These Terms & Conditions ("Terms") are provided by Renaissance Financial Holdings Limited or any subsidiary and/or affiliate thereof or other entity through which the Services are provided ("Renaissance Capital") to you ("you") and relate to certain electronic services and information ("Services") to which you will have electronic access through the Renaissance Capital website on the Internet ("Site").

If you are a client of Renaissance Capital, these Terms are in addition to, and do not modify or otherwise supersede any other agreement or arrangement between you and Renaissance Capital governing the conduct of your relationship with Renaissance Capital. However, in the event that you enter into any additional Renaissance Capital Internet Access Agreement ("Access Agreement") with Renaissance Capital, such Access Agreement may, as provided in such Access Agreement, supersede these Terms.

The information provided on this Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Renaissance Capital to any registration requirement within such jurisdiction or country.

This Site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer by Renaissance Capital to buy or sell any security or other financial instruments which may be referenced in this Site or provide any investment advice or service. Offers can only be made where lawful under applicable law. If you wish to learn more about information contained on this Site, you may contact Renaissance Capital.

1. Disclaimer of Warranty and Limitation of Liability

The Services on this Site are provided "AS IS". Renaissance Capital does not warrant the accuracy of the materials provided herein, either expressly or impliedly, for any particular purpose and expressly disclaims any warranties of merchantability or fitness for a particular purpose. Renaissance Capital will not be responsible for any loss or damage that could result from interception by third parties of any information made available to you via this Site.

Although the information provided to you on this Site is obtained or compiled from sources we believe to be reliable, Renaissance Capital cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither Renaissance Capital, nor any of its directors, officers or employees, nor any third party vendor will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this Site, or resulting from the act or omission of any other party involved in making this Site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of this Site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Renaissance Capital or of any vendor providing software or services support.

In no event will Renaissance Capital, its directors, officers, employees and third party vendors be liable to you for any direct, indirect, special, consequential or incidental damages, or any other damages of any kind, even if Renaissance Capitalor any other party have been advised of the possibility thereof.

Your attention is drawn to the Disclaimer section below.

2. User Consent

You acknowledge and agree that any use of the Services may involve the transmission to you of information that may be considered personal financial information, including but not limited to the identity, number and value of securities. You consent to the transmission by electronic means of such information through the Services; such consent shall be effective and irrevocable at all times that you use the Services.

If you use a Service, you agree and consent to receive Renaissance Capital's website access privacy policy, notices and all other information electronically, and to such end Renaissance Capital may post privacy policies or notices on this Site. You understand that telephone calls to Renaissance Capital may be monitored or recorded for any purpose, and hereby consent to such monitoring or recording.

3. Copyright or Other Notices

If you download any information or software from this Site, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

4. Use of Links

Should the viewer leave this Site via a link contained herein, and view content that is not provided by Renaissance Capital, the viewer does so at their own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Renaissance Capital. Renaissance Capital is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or punitive. Renaissance Capital makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

5. Jurisdiction Use

The information provided on this Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Renaissance Capital to any registration requirement within such jurisdiction or country. Neither the Cyprus Securities and Exchange Commission, the Bermuda Monetary Authority nor the Registrar of Companies of Bermuda has approved the contents of this Site and any statement to the contrary express or otherwise, would constitute a material misstatement and an offence. Use of this Site in the United Kingdom (UK) and the rest of Europe is approved by Renaissance Capital Limited, which are regulated by the Financial Conduct Authority. Some products and services may not be available in all jurisdictions or to all clients.

6. Modification and Termination

You agree that Renaissance Capital (or any entity, subsidiary and/or affiliate thereof) may modify, change, or discontinue the Services in whole or in part, at any time without notice to you. You agree that Renaissance Capital may immediately terminate its provision of the Services to you if you breach these Terms, if you have jeopardized the proper and efficient operation of the Services, or if you engage in activity which is contrary to Renaissance Capital policies. For the avoidance of doubt, any unauthorized use of the Services, whatsoever, shall result in automatic termination of these Terms.