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Terms & Conditions

/ Property Management Software for Dealers / By

All Policies:
Registration, Pricing, Subscription | Payments, Payment Methods, Offers | Refund, Cancellation, Shipping, Delivery | Terms & Conditions | Privacy Policy

Introduction
This website “dhaxo” , including any subdomains thereof, and any other websites through which its services are made available, our mobile, tablet and other smart device applications, and application program interfaces etc, (hereinafter collectively referred to as “”dhaxo””) is owned, hosted and operated by DHAXO LIMITED, a company incorporated with The Registrar of Companies for England and Wales under the Companies Act 2006 and having its registered office in UK. These terms and conditions, privacy policy and community guidelines regulating use of these Services constitute a legally binding agreement between “dhaxo”and the User (the “Agreement”).

“dhaxo”and/or any other website(s) linked to this website is an online information and communications service provided to you, subject to your compliance with the terms and conditions set forth below.

“dhaxo” may amend/modify these terms and conditions at any time, and such modifications shall be effective immediately upon posting of the modified terms and conditions on “dhaxo”. You may review the modified terms and conditions periodically to be aware of such modifications and your continued access or use of “dhaxo”, shall be deemed conclusive proof of your acceptance of these terms and conditions, as amended/modified from time to time. “dhaxo” may also suspend the operation of “dhaxo” for support or technical upgradation, maintenance work, in order to update the content or for any other reason.

If you utilize “dhaxo”in a manner inconsistent with these terms and conditions, “dhaxo” may terminate your access, block your future access and/or seek such additional relief as the circumstances of your misuse may be deemed to be fit and proper.

Definitions
The term Subscriber would include any person, whether an individual or a legal entity who has subscribed to the Apps as Products or Services of “dhaxo” (whether on a paid or free basis), and to whom the access to “dhaxo” is restricted by the use of a sign in username/email and a password. The username/email and password are either allotted by “dhaxo” or chosen by the Subscriber or agreed upon by “dhaxo”. It is made abundantly clear that only the authorized User has the right to access the App, Products or Services so offered by “dhaxo”.

The term Browser/Visitor will mean and include a person who utilizes any of the App, Products or Services offered by “dhaxo”, without the need or a requirement to create an account i.e. visits non-restricted portions of “dhaxo”.

The use and access to “dhaxo” shall be subject to these terms and conditions and community guidelines. For the purposes of this Agreement, any person who does not have a legal or a contractual right to access the App, Products or Services, but does so, will fall within the definition of an ‘unauthorized user’ and will nevertheless be subject to the terms and conditions regulating the usage of “dhaxo”, and expressly so with respect to respecting the intellectual property rights of the “dhaxo”, and abiding by terms and conditions below mentioned.

The terms ‘User’ and ‘Customer’ would include both the App, Products or Subscriber/Advertiser(s) and Browser/Visitor(s).

The terms ‘Service’ or ‘Services’ would mean to include the interactive online information service offered by “dhaxo” on the internet through which the user may access information carried by “dhaxo” in the database maintained by it. The terms would also include to mean the search tools through which the User can search through the hosted databases and information using a number of search tools that are present with a selection matching their search criteria. The term would also include services by way of space used by customers for advertisements such as listings and banners. Users then select one or more of the items presented to view the full document/ record. The term Service does not extend to “dhaxo” acting as an agent either express or implied on behalf of any User/Customer and is merely acting as a medium of information exchange.

Submission and administration of listings/advertisements
User agrees not to submit any correct descriptions, photographs, financial, contact or other information contained in each App’s data to “dhaxo” unless the User submitting such a Listing/Advertisement has acquired and received all necessary rights and authorizations from the owner, including from the photographer and/or copyright owner of any photographs, to publish and advertise the said details on the User’s website or on “dhaxo”. Similarly, “dhaxo” does not take any ownership, directly or indirectly towards any person whatsoever, with respect to banners hosted on its website by its customers, which are strictly in the nature of sale & it has not carried out any independent verification on the authenticity or compliance requirements, as may have been required under any law for the time being in force, of such images/ banners/ listings. Some listings may contain third party video content (“Video Content”) provided for general informational purposes only and such content does not constitute a recommendation or solicitation or intends to influence any type of purchase or decision. No guarantees are made by “dhaxo” or the providers of the video content as to its accuracy or completeness. In case a User is violating any rule, User’s Account will be terminated instantly.

“dhaxo” shall place the information relating to properties at defined sections of “dhaxo” or such other mirror or parallel site(s). “dhaxo” reserves, in a manner consistent with reasonable commercial business practices, the right to remove all or any part of the Properties posted on the User’s website or on “dhaxo” without notice. “dhaxo” accepts no responsibility for checking/verifying the accuracy of reports or data files submitted by the User. While “dhaxo” shall take all reasonable efforts for data backup and business resumption, the User will be solely responsible for retaining back-up copies of all information, photographs and other materials furnished/submitted to “dhaxo”.

Users, who are using Apps through “dhaxo”, must verify details on their own. The ‘verified’ tag visible on listing at “dhaxo” merely indicates the verification of the existence of the property in the manner it has been advertised. At no point shall the ‘verified’ tag be construed to be a verification of any documentation, ownership details or pricing details of the listing.

Registration & Subscription, Pricing & Payments, Refund & Cancellation, Shipping & Delivery Policies

  • Registration: User can register and access subscription, which will continue until expired or terminated. To use the our app and services user must have Internet access and select plan with your choice of subscription with one or more Payment Methods. “Payment Method” means a current, valid, accepted method of payment, as may be updated from time to time, and which may be used to pay for subscription amount. User can cancel subscription and delete account any time.
  • Subscription: We offer a number of subscription plans, including add on services offered within Apps.
  • Pricing: Our Pricing starts from GBP 25 per month. As we are developing products for customers/users to provide them best services in various industries, we are allowing users to subscribe in our Apps as Basic & Add on Services. Pricing may vary from industry to industry and product to product. We have 2 subscription plans:
    • Monthly GBP 25
    • Yearly GBP 275
  • Promotional Offers: We may offer special promotional offers, plans or subscriptions (“Offers”) from time to time. Offer eligibility is determined by us at its sole discretion and we reserve the right to revoke an Offer and put user account on hold in the event that we determine you are not eligible. Users of households with an existing or recent subscription may not be eligible for certain introductory Offers. We may use information such as device ID, method of payment or an account email address used with an existing or recent subscription to determine Offer eligibility. The eligibility requirements and other limitations and conditions will be disclosed when you sign-up for the Offer or in other communications made available to you.
  • Payment Amount: The subscription amount for the service and any other charges you may incur in connection with your use of the service, such as taxes and possible transaction fees, will be charged and subscribed by user by Payment Method indicated on the “Profile” page. The length of your subscription payment amount will depend on the type of subscription that you choose when you signed up for the service. In some cases your payment date may change, for example if your Payment Method has not successfully settled, when you change your subscription plan or if your subscription began on a day not contained in a given month.
  • Payment Methods: To use our service on subscription basis, you must provide one or more Payment Methods. In case your primary Payment Method is declined or no longer available to us for payment of your subscription fee, you remain responsible for any uncollected amounts. If a payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and you do not cancel your account, we may suspend your access to the service until you make pre-payment of service with a valid Payment Method. For some Payment Methods, the issuer may charge you certain fees, such as foreign transaction fees or other fees relating to the processing of your Payment Method. Local tax charges may vary depending on the Payment Method used. Check with your Payment Method service provider for details.
  • Updating your Payment Methods: You can update your Payment Methods by going to the “Profile” page. We may also update your Payment Methods using information provided by the payment service providers. Following any update, you can use subscription to continue the applicable Payment Method(s).
  • Cancellation and Refund: You can cancel your subscription at any time, and you will continue to have access to the App and its service through the end of your subscription period. To the extent permitted by the applicable law, payments are non-refundable and we do not provide refunds or credits for any partial membership periods or unused services or content. To cancel, go to the “Profile” page and follow the instructions for cancellation. If you cancel your subscription, your account will automatically close at the end of your current subscription period. To see when your account will close, click “My Plan” on the “Profile” page.
  • Changes to the Price and Subscription Plans: We may change our subscription plans and the price of our service from time to time; however, any price changes or changes to your subscription plans will apply from next subscription period not on current active period.
  • Shipping/Delivery Policies: We are not selling and delivering any physical goods, We are only dealing with app based subscriptions.
  • Payments for the Services offered by “dhaxo” shall be on a 100% advance basis. The payment for Service once subscribed to by the subscriber is not refundable and any amount paid shall stand appropriated. Refund if any will be at the sole discretion of “dhaxo”. “dhaxo” offers no guarantees whatsoever for the accuracy or timeliness of the refunds reaching the Users card/bank accounts. User acknowledges and agrees that “dhaxo”, at its sole discretion and without prejudice to other rights and remedies that it may have under the applicable laws, shall be entitled to set off the amount paid or payable by a subscriber/user against any amount(s) payable by User to “dhaxo” under any other agreement or commercial relationship towards other products/services. “dhaxo” gives no guarantees of server uptime or applications working properly. All is on a best effort basis and liability is limited to refund of amount only. “dhaxo” undertakes no liability for free Services. “dhaxo” reserves its right to amend / alter or change all or any disclaimers or terms of agreements at any time without any prior notice. All terms / disclaimers whether specifically mentioned or not shall be deemed to be included if any reference is made to them.
  • “dhaxo” uses the maximum care as is possible to ensure that all or any data / information in respect of electronic transfer of money does not fall in the wrong hands. For completing online transactions involving payments a user is directed to a Payment Gateway, “dhaxo” does not store or keep credit card data. Since the transaction happens on a third-party network not controlled by “dhaxo”, once a credit card transaction has been completed, the payment information is not accessible to anyone at “dhaxo” after completion of the on-line transaction at the Payment Gateway, this ensures the maximum security.
  • “dhaxo” shall not be liable for any loss or damage sustained by reason of any disclosure (inadvertent or otherwise) of any information concerning the user’s account and / or information relating to or regarding online transactions using credit cards / debit cards and / or their verification process and particulars nor for any error, omission or inaccuracy with respect to any information so disclosed and used whether or not in pursuance of a legal process or otherwise.
  • Though “dhaxo” payment reconciliation team works on a 24 x 7 basis, “dhaxo” offers no guarantees whatsoever for the accuracy or timeliness of the refunds reaching the Subscribers card/bank accounts. This is on account of the multiplicity of organizations involved in processing of online transactions, the problems with Internet infrastructure currently available and working days/holidays of financial institutions. Refunds in the event of wrong/objectionable account and related content being posted on the site would be at the discretion of “dhaxo”. If you utilize “dhaxo” in a manner inconsistent with these terms and conditions, “dhaxo” may terminate your access, block your future access and/or seek such additional relief as the circumstances of your misuse may be deemed to be fit and proper.

This app is available on Apple App Store & Google Play Store.

Use of Information
User agrees to treat all information obtained from the Service, including listings, member directory, and any information otherwise made available to User in the Service (“Content”) as proprietary to “dhaxo”. User agrees that Content reserved for members will be maintained as confidential and shall be protected as a trade secret of “dhaxo”. “dhaxo” does not ensure the accuracy of, endorse or recommend any Content and a User uses such Content at the User’s own risk. A User may access the listings/advertisements in the Service solely to obtain initial information from which further evaluation and investigation may commence. User shall limit access to and use of listings to personal and internal use, and shall not use listings obtained from the Service for further distribution, publication, public display, or preparation of derivative works or facilitate any of these activities in any way.

User shall not use or reproduce any Content that is obtained from the Service, or that is otherwise made available to User in the Service, for or in connection with any other listing/advertising Service or device. User further shall not use the Service provided by the company in any other manner for or in connection with any other listing Service or device. Users violating these specific terms, specifically those Users searching the Service in an abusive or excessive manner, by automated or manual means, shall be subject to immediate termination of their membership without notice.

Intellectual property rights
All logos, brands, trade marks and Service marks (“Marks”) appearing in “dhaxo” are the properties either owned or used under license by “dhaxo” and / or its associates. All rights accruing from the same, statutory or otherwise, wholly vest with “dhaxo” / its associates. The access to “dhaxo” does not confer upon the User any license or right to use in respect of these Marks and therefore the use of these Marks in any form or manner, whatsoever is strictly prohibited. Any violation of the above would constitute an offence under the prevailing laws of UK.

“dhaxo” respects the Intellectual Property Rights of all, it has and will continue to adhere to all the laws applicable in UK in this respect. “dhaxo” shall protect and respect the Intellectual Property Rights of the users as well as third parties to the best of its ability. In a case where a User(s) are found to be using “dhaxo” as a platform to infringe the Intellectual Property Rights of others, “dhaxo” will be free to terminate this Agreement forthwith without any notice to the user.

By allowing Users to access “dhaxo”, “dhaxo” grants the Users a limited, non-exclusive, non-assignable, revocable license (the “License”) to access and use the Services, provided that the User is in compliance with the terms and conditions of the Agreement.

Restrictions/Prohibitions

The following actions will inter alia constitute a misuse of “dhaxo” and are strictly prohibited:

Links to third party web sites
“dhaxo” may provide links to other third-party World Wide Web sites or resources. “dhaxo” makes no representations whatsoever about any other Web site you may access through “dhaxo”.

Disclaimer and warranties
“dhaxo” is an intermediary as defined under sub-clause (w) of Section 2 of the Information Technology Act, 2000.

THE CONTENT OF “dhaxo” IS PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED.

“dhaxo” and third party providing materials, services or content to this website, disclaims all warranties, express or implied, statutory or otherwise including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement of third party rights, completeness or accuracy of the information, update or correctness of the information, freedom from computer viruses, other violation of rights regarding services, products, material and contents of “dhaxo”.

Views expressed by the Users are their own, “dhaxo” does not endorse the same and shall not be responsible for them. No claim as to the accuracy and correctness of the information on the site is made although every attempt is made to ensure that the content is not misleading/ offensive/ inappropriate. In case any inaccuracy is or otherwise improper content is sighted on the website, please report it to report abuse.

It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, Services, products and other related information listed on the website. “dhaxo” does not warrant that the access to website will be uninterrupted or error-free or that defects in website will be corrected.

“dhaxo” offers no guarantee no warrantees that there would be satisfactory response or any response at all, once the listing/banner is put on display. Any payments made to “dhaxo” are solely for the purposes of display of the property advertised.

Users are strongly advised to independently verify the authenticity of any Pre-Launch offers received by them. “dhaxo” does not endorse investment in dealing with App Users any shall be doing so entirely at their risk and responsibility.

No information contained herein shall constitute an invitation or an offer to invest in “dhaxo” or any of its Affiliates. Further, nothing contained in “dhaxo” should be construed as a recommendation to use any product, process, equipment or formulation, in conflict with any patent, or otherwise and “dhaxo” makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise.

“dhaxo” is controlled and operated from UK and “dhaxo” makes no representation that the materials are appropriate or will be available for use in other parts of the World. If you use “dhaxo” from outside UK, you are entirely responsible for compliance with all applicable local laws as well as international conventions and treaties.

“dhaxo” offers products, Services, content and various other functionalities through “dhaxo” and its affiliate sites to specific regions worldwide. The Services offered in one region may differ from those in other regions due to availability, local or regional laws or legal impediments and other considerations/factors. “dhaxo” does not make any warranty or representation that a User in one region may also obtain the Services as provided in another region. Information on “dhaxo” may contain references to products, programs or Services that are not announced or available in your country. Such references do not in any manner imply that “dhaxo” intends to announce, launch or provide such products, programs or Services in your country.

Limitation of liability
“dhaxo” will not be liable for any damages of any kind arising out of or relating to the use or the inability to use “dhaxo”, its content or links, including but not limited to damages caused by or related to errors, omissions, interruptions, defects, delay in operation or transmission, computer virus, line failure and all other direct, indirect, special, incidental, punitive, loss of profit, exemplary or consequential damages whether based on warranty, contract, tort or any other legal theory including Force Majeure, and whether or not, such organizations or entities were intimated or advised of the possibility of such damages.

“dhaxo” assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure, theft or destruction or unauthorized access to or alteration of User’s data/information. “dhaxo” shall not be responsible for any problem or technical malfunction on-line-systems, servers or providers, computer equipment, software, failure of e-mail or players on account of technical problem or traffic congestion on the Internet or at any website or combination thereof, including injury or damage to any User and/or Members or to any other person’s computer related to or resulting from participating or downloading materials/information from the website.

For the purposes of the Consumer Protection Act, 2019 (CPA), the term Consumer will be limited to paid Customers who have not subscribed to “dhaxo” for purposes of commercial gain (business purposes) and their intent to utilize the services for individual use only. Unless otherwise specified and notwithstanding anything contained in any other agreement or arrangement, by whatever name called, the performance obligation of “dhaxo” (service provider) is to provide access of its on-line portal to the customer for the duration of the subscription period & reference to any usage, by whatever name called or any other performance obligation, if any, is to provide the upper limit for consumption, which by itself, does not create any additional performance obligation upon “dhaxo”.

“dhaxo” will not be liable on account of any inaccuracy of information on this web site. Any breach of privacy or of the information provided by the consumer to “dhaxo” to be placed on the website by technical or any other means is not the responsibility of “dhaxo” and “dhaxo” does not guarantee confidentiality of information provided to it by any person acquiring/using all/any information displayed on “dhaxo” website or any of its other websites / domains owned and operated by “dhaxo”.

Termination
“dhaxo” may, without notice in its sole discretion, and at any time, terminate or restrict your use or access to “dhaxo” (or any part thereof) for any reason, including, without limitation, that “dhaxo” based on its judgement and perception believes you have violated or acted inconsistently with the letter or spirit of these terms and conditions or any applicable law.

Indemnification
Submissions and unauthorized use of any information(s)/materials contained on “dhaxo” may violate copyright laws, trademark laws, the laws of privacy and publicity, certain communications statutes and regulations thereto and other applicable laws, statutes and its rules and regulations. You alone are responsible for your actions or the actions of any person using your username/email and/or password.

You agree to defend, indemnify, and hold harmless, “dhaxo” and/ or its associates, subsidiaries, their officers, directors, employees, affiliates, licensees, business partners and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of “dhaxo” material or your breach of these terms and conditions or any applicable law.

“dhaxo” will not be party to any legal proceedings between parties contracted through these Services. In case “dhaxo” is sought to implicated in any legal proceedings, costs will be recovered from the party that names “dhaxo” as a party to such proceedings. “dhaxo” shall abide with any court order served on it through due process.

Privacy Policy
The Privacy Policy of the Platform explains how we may use your personal data, we will at all times respect and ensure adherence to the privacy policy, additionally various settings are provided to help you to be able to control the manner in which others may be able to view your information as chosen by you to be displayed on your profile and the manner in which you may have chosen to be contacted. Any feedback provided by a User shall be deemed as non-confidential to the user.

Terms of use for Users

  • When you indicate your interest in a Listing or express interest in related services on “dhaxo”, you authorize “dhaxo” to contact you (even though you may have registered with NDNC/DNC), and are sending your profile consisting of your personal details and application information including relevant documents to “dhaxo”, and you are requesting and authorizing “dhaxo” to make available such information contained in your response to the applicable Advertiser/seller(s) for such Real Estate Listing(s). You provide consent for your data to be provided to such Advertisers/service providers and others , who may further contact you over the phone/email/whatsapp etc. Please note that our privacy policy does not govern the use of your data by third parties once it is shared.
  • In addition, by using “dhaxo”, you agree that “dhaxo” is not responsible for the content of the Advertiser’s/user’s application form, messages, screener questions, testing assessments; required documents, or their format or method of delivery.
  • You consent to your application, documents and any responses sent to you by the Advertiser/user or vice versa through “dhaxo”  being processed and analyzed by “dhaxo” according to these terms of use and “dhaxo”’s Privacy Policy. “dhaxo” shall store and process such information regardless of whether the user that had been advertised earlier continues to remain available or not. “dhaxo” may use your application materials (including public profile consisting of your personal details and responses to advertiser/user’s questions) to determine whether you may be interested in a Listing, and “dhaxo” may reach out to you about such Listing (even though you may have registered with NDNC).
  • Information you post in public areas of “dhaxo” sites or applications or make visible in your profile, may be accessed, used, and stored by others around the world, including those in countries that might not have legislation that guarantees adequate protection of personal information as defined by your country of residence. While “dhaxo” takes measures to safeguard your information from unauthorized access or inappropriate use, “dhaxo” does not control these third parties and we are not responsible for their use of information you give to us. Accordingly, you should not post sensitive information or any other information you would not want made public, to any portion of “dhaxo” or application or to a public website.
  • Additionally, it shall be the sole responsibility of the user to ensure that it uses the ‘Opt-out’ options as it deems fit to debar / refuse access of the data fed by it, to users. “dhaxo” shall not be responsible for such insertions / data being accessed by its subscribers or users whose access has not been specifically blocked /debarred by the user while using the privacy settings.
  • In order to use “dhaxo”, you may sign in using your Facebook/Google login. If you do so, you authorize us to access and use certain Facebook/Google account information, including but not limited to your public Facebook profile and posts. For more details regarding the information we collect from you and how we use it, please visit our Privacy Policy.

Terms of conditions specific for users/ banks/ Payment Gateways

  • You will comply with all applicable Data Protection Laws in relation to the Processing of personal data; and not process personal data which is irrelevant, in an unlawful manner and excessive with regard to agreed purposes as defined in the privacy policy and these terms and conditions
  • You shall implement adequate technical and organizational controls to protect the shared personal data obtained from “dhaxo”  against unauthorized or unlawful processing and against accidental loss, destruction, damage, alteration or disclosure
  • You agree to provide reasonable assistance as is necessary to facilitate the handling of any Data Security Breach (as applicable the privacy law as applicable) in an expeditious and compliant manner
  • You agree that the responsibility for complying with a the request of an individual with respect to his/her personal data lies with the Party which holds/processes the personal data collected/shared
  • You warrant and represent that the institution shall not disclose or transfer Personal Data obtained from “dhaxo” to any sub-processors without ensuring that adequate and equivalent safeguards to the Personal Data.
  • You shall retain or process shared personal data for no longer than is necessary to carry out the agreed purposes.

Arbitration
If any dispute arises between a user/users and “dhaxo” arising out of use of the website or thereafter, in connection with the validity, interpretation, implementation or alleged breach of any provision of these terms and conditions, the dispute shall be referred to a sole Arbitrator who shall be an independent and neutral third party. Decision of the Arbitrator shall be final and binding on both the parties to the dispute. The place of arbitration shall be London UK. The Arbitration & Conciliation Act, 1996, shall govern the arbitration proceedings.

Severability of provisions
THIS AGREEMENT between you and “dhaxo” governs your use of “dhaxo”. If any provision of these “dhaxo” terms and conditions or part thereof is inconsistent with or is held to be invalid/void by or under any law, rule, order or regulation of any Government or by the final adjudication of any court, such inconsistency or invalidity shall not affect the enforceability of any other provision of the terms and conditions.

Waiver
The failure of “dhaxo” to exercise or enforce any right or provision of the terms and conditions of use shall not constitute a waiver of its right to enforce such right or provision subsequently.

Governing law
By accessing “dhaxo” you agree that the laws prevailing in UK shall be the governing laws in all matters relating to “dhaxo” as well as these terms and conditions.

Jurisdiction
Courts at London, UK, UK alone shall have the exclusive jurisdiction in all matters relating to “dhaxo” and these terms and conditions, irrespective of the territory and jurisdiction of your access to “dhaxo”.

“dhaxo” does not routinely monitor your postings to the web site but reserves the right to do so. However, if “dhaxo” becomes aware of an inappropriate use of “dhaxo” or any of its Services, “dhaxo” will respond in any way that, in its sole discretion, “dhaxo” deems appropriate. You acknowledge that “dhaxo” will have the right to report to law enforcement authorities any actions that may be considered illegal, as well as any information it receives of such illegal conduct. When requested, “dhaxo” will co-operate fully with law enforcement agencies in any investigation of alleged illegal activity on the Internet.

“dhaxo” reserves all other rights.

Grievances
In case you have any complaints and/or grievances in relation to any grievances, you can send your complaints at  director@dhaxo.com

Amendment
Please report any violations of these terms and conditions to “dhaxo” at director@dhaxo.com
Effective from: 22th Nov 2023

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