Terms & Conditions

MoneyEstate is committed to providing a world-class marketing platform for estate agents, sellers, landlords and tenants while providing the best possible user experience for consumers.

This Agreement governs the provision of Services by MoneyEstate to you. The terms “you” and “your” refer to the person that obtains, uses or otherwise accesses the Services. It contains the general Terms and Conditions of Use for the Website located here(as amended by MoneyEstate from time to time).

The Services provide you with the functionality and platform to enable you to list your properties for sale or lease on the website located at MoneyEstate. Please note that the features and functionality that may be available as part of the Services or that are available on the Website may be different depending on the device or application used to access the Services or the Website (eg desktop vs mobile).


You acknowledge that your real estate listings software provider may take all action necessary for your listings to be transferred to MoneyEstate and uploaded to the Website.


If MoneyEstate decides, or is required, to modify or exit a Service (or part thereof), then MoneyEstate may, on reasonable notice to you: (a) transfer you to the modified service or an alternative service; or (b) cancel the Service. If the service to which MoneyEstate proposes to transfer you to is materially detrimental to you, then you may cancel the service, but you will not be entitled to any refunds or reimbursements of any Fees and charges paid for or in connection with that service.


A Service does not include:

(a) back up services; (b) customisation; (c) training; (d) attendance at your premises; or (e) correction of errors or defects, including those caused by: (i) faulty equipment or hardware provided by you; or

(ii) your negligent acts or omissions and any events beyond MoneyEstate’ reasonable control.

For users, by logging in, registering on, accessing or using the Website, all persons making use of the Website (“Users”) agree to be bound by these TC’s.
The Website is only available only to Users/Agents over the age of legal majority of 18 years who can form legally binding contracts.

MoneyEstate will: (a) provide the Services with due care and skill, but does not guarantee that they will be continuous or fault free; and (b) use suitably qualified personnel to provide the Services.


MoneyEstate does not guarantee, represent or warrant that:
(a) you or users of the Website will have continuous access to the Website;
(b) the Services will be complete or free from all viruses, defects or errors. You acknowledge and agree that the existence of any defects or errors in a Service does not constitute a breach of any agreement between you and MoneyEstate; and
(c) any information supplied or accessed using a Service is correct and complete or sufficient for your intended use.
MoneyEstate will not be liable in the event that the Website is unavailable for any reason, including but not limited to computer downtime attributable to malfunctions, upgrades, preventative or remedial maintenance activities or interruption in telecommunication supplies.

  • YOUR COMMITMENT TO MONEYESTATE
    1.1. You are solely responsible for:
    (a) obtaining any telecommunication services and infrastructures (including Internet access) required to access and use the Services; and
    (b) ensuring that any communications through the Internet (including emails) is appropriately secured in transit and during delivery of such communications. MoneyEstate may use industry available encryption technology that is designed to encrypt communications to the Website, but you agree that MoneyEstate is not liable in any way for the security or otherwise of any such communication. 1.2. In using the Service, you must:
    (a) ensure the Submitted Materials are provided in the form required by MoneyEstate from time to time and contain the correct property and do not contain any information which you would not otherwise be permitted to publish through MoneyEstate;
    (b) only submit material to MoneyEstate by a method pre-approved by MoneyEstate (such as via an authorised XML provider);
    (c) comply with all policies specified or otherwise notified by MoneyEstate to you from time to time, including all policies set out in the Website;
    (d) provide MoneyEstate with such assistance as is reasonably necessary to provide you with the Service;
    (e) notify MoneyEstate in writing if you change any information required by MoneyEstate to provide a Service;
    (f) provide and update from time to time all hardware and software necessary to use a Service;
    (g) train your personnel in relation to the use of a Service and ensure your personnel comply with this Agreement;
    (h) pay any telecommunication charges incurred by you; and
    (i) assess the accuracy, reliability and completeness of any information obtained through a Service.
    1.3. You must not:
    (a) use a Service for any purpose other than those purposes outlined in this Agreement;
    (b) do anything which impairs the lawful use of a Service by any person;
    (c) use or provide any materials or information provided by MoneyEstate to you in connection with a Service to any other person without MoneyEstate’ prior written consent (which may be given or withheld at its discretion);
    (d) distribute, rent, lease, sell or re-sell, charge, sub-license, assign, transfer or otherwise deal with the Service;
    (e) insert any tag, code, cookie or other data tracking or collection device in an advertisement for the purpose of re-targeting MoneyEstate users on a third party site, network or exchange;
    (f) link, pool, correlate, resell, transfer, disclose or make available any advertising statistics the result of displaying the creative on MoneyEstate for the purposes of behavioral targeting or other type of re-targeting off the MoneyEstate network without MoneyEstate’ express written permission;
    (g) introduce or use any device, software or routine that interferes or attempts to interfere with the operation of a Service including but not limited to any device intended to copy any information published by MoneyEstate including any listing;
    (h) create or otherwise produce either directly or indirectly or wholly or partly any database which is substantially comprised of any information published by MoneyEstate; or
    (i) intentionally withdraw and relist listings with a view of influencing the search results available on the Website.
    1.4. You warrant to MoneyEstate that:
    (a) you have obtained and will maintain all licences, permits, approvals and consents necessary to enable you to operate as a real estate agent, property developer or builder and that are otherwise required for your business and its operations;
    (b) all Submitted Material, whether for the purposes of publication or not:
    (i) is accurate and complies with all relevant laws;
    (ii) does not infringe any person’s rights (including intellectual property rights), and that the use of all Submitted Material does not and will not infringe any person’s rights (including intellectual property rights);
    (iii) is not illegal, fraudulent, obscene, offensive, defamatory, or in any way unsuitable for people under the age of eighteen (18) years;
    (iv) is not misleading or deceptive or likely to mislead or deceive; or
    (v) not comprised of anything which may adversely reflect in the Website or any website on which the information is published; and
    (c) you will comply with all applicable laws in relation to your use of the Service, including all laws in relation to handling and use of personal information.
    1.5. You are solely responsible for ensuring that MoneyEstate has your correct contact details to enable MoneyEstate to provide you with the Services. You agree that MoneyEstate may use personal information provided by you or otherwise collected by us, directly or indirectly, from you in accordance with MoneyEstate’ Privacy Policy.
  • SPECIFIC TERMS RELATING TO LISTINGS
    2.1. In using the Service, you must:
    (a) only list real property for sale, rent or lease;
    (b) only list properties which are presently available for sale or lease and which you have been authorised to market for sale or lease;
    (c) not include any promotional web addresses or other promotional material that is not directly related to your listing and your services to lease and sale the property that is the subject of that listing;
    (d) not include any information that relates to a business or service that directly or indirectly competes with MoneyEstate and its related bodies corporate;
    (e) ensure that any Submitted Material in respect of a property, accurately represents the property in question and is free from borders, watermarks (unless otherwise allowed as an exception by MoneyEstate), agent location or contact details;
    (f) accurately indicate the location of the property being listed;;
    (g) immediately remove any properties which are no longer for sale or lease (for example properties which have been sold, leased or withdrawn from the market);
    (h) only list each property for sale or lease once on the Service;
    (i) provide to MoneyEstate in respect of each property at least the minimum required fields for publication, as set out in clause 6 of this Agreement and/or the Website;
    (j) ensure that you only list sale and rental listings for which you have been appointed by a vendor or lessor to sell and rent the relevant property; and
    (k) only list one listing per property lot address.
    2.2. MoneyEstate will not to the full extent permitted by law, be liable for error, misplacement, amendment, omission or failure to publish any listing.
  • MINIMUM INFORMATION
    3.1. The following information is the minimum information which you must submit to MoneyEstate in respect of each listing for publication on the Website:
    (a) street address;
    (b) property type (e.g. house, apartment);
    (c) title;
    (d) description;
    (e) number of bedrooms (except for vacant land);
    (f) number of bathrooms (except for vacant land);
    (g) number of car spaces (except for vacant land);
    (h) images (minimum of 1);
    (i) display price (may be numeric value or text, eg POA); and
    (j) status (e.g. current, sold, leased, withdrawn).
    3.2. Where you do not provide, or authorise MoneyEstate to publish, all of the above information set out above in a listing, MoneyEstate may not publish the listing on the Website.
    3.3. MoneyEstate reserves the right to update the minimum required information that must be provided in respect of each listing for publication on the Website by either updating this Agreement or updating the field requirements on the Website.
  • PROPERTY LISTING GUIDELINES
    4.1. MoneyEstate may, from time to time, set guidelines for how property listings will be returned in searches on the Websites.
    4.2. As at the date of this Agreement, information that MoneyEstate uses to determine the search results includes:
    (a) the provided values, property type, property attributions and relevant third party data and sources; and
    (b) for determining search results around price or price refinement, the search values that are provided within the XML feed or within the MoneyEstate agent dashboard separate to the advertised price.
    4.3. MoneyEstate reserves the right to update these guidelines from time to time by either updating this Agreement or making available the updated guidelines on the Website.
  • SPECIFIC TERMS RELATING TO LEADS
    5.1. You acknowledge and agree that:
    (a) MoneyEstate provides no warranties in relation to the number of leads (that is, enquiries for further information submitted by users of the Website) you may receive; and
    (b) MoneyEstate has no control over authenticity, accuracy or otherwise of any such leads.
    5.2. You must:
    (a) provide a valid email address in respect of each listing to which leads should be sent by MoneyEstate (or any third party with whom you have an agreement);
    (b) ensure that all leads are handled by a suitably trained person in a professional and expeditious manner; and
    (c) not sell, assign or otherwise provide whether electronically or otherwise any lead (or information derived from a lead) to any person.
    5.3. You acknowledge that:
    (a) MoneyEstate will use its best endeavours to deliver all leads to the nominated email address, or where this is not available, an alternate email address;
    (b) MoneyEstate will not be liable for any delay or failure to deliver leads to you which is caused by any technical or technological fault or failure or where any delay or failure to deliver a lead is due to any third party (such as a third party website which displays listings; and
    (c) in order to accurately record the number of leads delivered for each listing, MoneyEstate retains sole control over the contact details provided by you, and you will not attempt to include any unauthorised contact details in any listing.
  • SUBMITTED MATERIALS AND MONITORING OF CONTENT
    6.1. By uploading Submitted Materials you automatically grant (or warrant that the owner of such material expressly grants) to MoneyEstate a world-wide, non-exclusive, perpetual, royalty-free, irrevocable, transferable and sub-licensable licence to use, reproduce, adapt, modify, communicate, display, perform, store and distribute those Submitted Materials for the purposes of:
    (a) performing its obligations pursuant to this Agreement;
    (b) publishing the Submitted Materials and any information included in a listing on the Website (including any websites owned or operated by MoneyEstate, or on any website owned or operated by a third party with whom MoneyEstate has an agreement to provide, share or distribute listings, information or materials) and any related services, including search engines, or any other online or print based media;
    (c) creating statistics, databases and compilations for use by MoneyEstate and third parties, provided that MoneyEstate will not disclose your information in any matter that identifies your information as yours; and
    (d) sub-licensing your subscription information to a third party with whom MoneyEstate has a license agreement limited to the use of your subscription information as part of a real estate related application service. Such license shall apply with respect to any form, media or technology now known or later developed.
    6.2. Without limiting the foregoing, you agree that Submitted Materials may be used by MoneyEstate for purposes including marketing, research and development of goods and services.
    6.3. You warrant that:
    (a) MoneyEstate’ use of any Submitted Material contributed by you will not infringe the intellectual property rights (including the moral rights) of any third party or breach any obligations of confidence or any other law or regulation relating to the Submitted Materials; and
    (b) in relation to moral rights, you have obtained all necessary consents which will allow MoneyEstate to perform all or any acts or omissions which, but for the consent, would be considered an infringement of the author’s moral rights under the Copyright Act.
    6.4. MoneyEstate reserves the right to amend, edit, block or immediately remove Submitted Material without notice to you that it considers is or may be, in its sole discretion where you have breached a warranty or term set out above.
    6.5. Despite any other provision to the contrary, MoneyEstate reserves the right in its absolute discretion, and without any liability to you or any other person, to:
    (a) publish and/or communicate to the public any materials (including Submitted Materials), including where you have breached this Agreement;
    (b) determine the timing of publication of the Submitted Materials;
    (c) take and exercise sole editorial control (including placement of watermarks) in relation to all Submitted Materials (including listings) to be published on the Website or otherwise in connection with the Services; and
    (d) take down, remove or otherwise cease publishing and communicating to the public any materials (including Submitted Materials).
    6.6. Notwithstanding clause 6.5, MoneyEstate is under no obligation to monitor Submitted Material to ensure it complies with any law, guideline or requirements or that it is generally suitable for publication.
    6.7. You waive any moral rights you may have in relation to the Submitted Material. You agree to any act or omission by MoneyEstate or on its behalf where such act or omission would, but for your waiver and consent in this clause, constitute a breach of your moral rights in relation to the Submitted Material.
    6.8. You acknowledge and agree that MoneyEstate:
    (a) is not responsible for any aspect of your or any third party’s website(s), including the currency, accuracy or otherwise of any information or data on those websites; and
    (b) MoneyEstate does not guarantee or warrant that: (i) the Website will be continuously available or available at all; (ii) you or your listing as part of the Service will receive any impressions, click throughs or like metrics; or (iii) there will be any traffic levels (including hits and exposures) to the Website.
    6.9. While MoneyEstate will use its best endeavours to store your information in its database, it provides no warranty as to such storage and will not be liable in the event that there is a corruption, deletion or failure to store any information which relates to you including any listing or any inability to access such information. Accordingly, MoneyEstate strongly recommends that you keep a permanent record of all information and data which relates to you.
  • CONFIDENTIALITY AND PRIVACY
    7.1. Each party acknowledges and agrees that MoneyEstate’ Confidential Information includes: (a) the provisions of this Agreement; and (b) all information provided by MoneyEstate to you under this Agreement, including MoneyEstate’ technical, operational, and commercial information in relation to the supply of Services.
    7.2. A party must not disclose the other party’s Confidential Information to any person except:
    (a) to its professional advisers and its personnel on a “need to know” basis, but only if those persons have agreed to keep the Confidential Information confidential in accordance with the terms of this Agreement;
    (b) with the other party’s prior written consent, but only to the extent that such consent is given;
    (c) if required by law, or any regulatory authority or stock exchange, but only to the minimum extent required to satisfy the law or rules of the regulatory authority or stock exchange; or
    (d) if it is in the public domain, other than as a result of a breach of this Agreement by the recipient (with the “recipient” being the party receiving the Confidential Information from the party disclosing it).
    7.3. You acknowledge and agree that:
    (a) you must ensure that you do not, and do not allow any other person (including your users) to access or use the Services in a manner contrary to the requirements of any laws;
    (b) you are solely responsible for obtaining all necessary consent with respect to the collection, use, access, disclosure and storage of personal information (including sensitive information) in relation to your access or use of the Services; and
    (c) you will ensure that any person whose information is disclosed to MoneyEstate in the course of accessing or using the Services, or otherwise in connection with this Agreement, acknowledges that MoneyEstate handles personal information (as that term is defined in the Privacy Act according to MoneyEstate’ Privacy Policy, as amended by MoneyEstate from time to time.
    7.4. You agree that MoneyEstate’ Confidential Information includes all MoneyEstate account information, including user identification details and password information. You agree: (a) to immediately change any account information if the security of the account has been compromised in any way; and (b) that you are responsible for all transactions entered under your account, including all use of your user identification details or passwords.
    7.5. You acknowledge and agree that we may collect and use personal information as described in MoneyEstate’ privacy policy available at https://www.MoneyEstate.com.ng/privacy-policy/ (as amended by MoneyEstate from time to time).
  • PLACING OF ADVERTISEMENTS BY CLIENTS ON MONEYESTATE PORTALS
    Each client acknowledges and agrees that:
  • it must comply with MONEYESTATE’s procedures and deadlines for the placement of advertisements on the Portals and MONEYESTATE will only be bound by orders that MONEYESTATE has confirmed in writing and MONEYESTATE shall not submit proof of publication to the client;
  • although every effort will be made to meet the wishes of the client, no undertaking can be given in this regard in respect of the date of publication, the form and conditions of the entry/is the number of copies and place of publication;
  • no variation (cancellation or alteration) shall be effective unless it is recorded in writing and signed by both parties and if so must reach MONEYESTATE one week prior to publication date of the issue for which advertisement has been placed/booked;
  • advertisement orders are accepted subject to editorial space being available;
  • adverts will only be placed after full payment in terms of the order has been received by the MONEYESTATE, unless a specific credit arrangement has been entered into with the client;
  • if there is any cancellation of any period of advertising in terms of a confirmed order by the client, the discount will cease to apply for the entire duration of the advertising period until cancellation date. The remaining pro-rata balance will be paid back to the client if pre-payment has been received by the client;
  • it is responsible for, and hereby undertakes to pay MONEYESTATE for all expenses which MONEYESTATE may incur arising out of the client’s default, including all costs of tracing the client, collection commission and all legal costs as between attorney and client;
  • MONEYESTATE is entitled to withhold or withdraw any advertisement from publication and to cancel any advertisement order that has been accepted;
  • any advertisement considered unsuitable for publication by reason of its appearance, import, age, content or wording may be revised or refused or withdrawn from publication;
  • it shall have no claim against MONEYESTATE whatsoever by virtue of any failure to publish or for publication on dates other than those stipulated by the client, or any typographical or any other errors of any kind or for any loss or damages in consequence of any of the above;
  • MONEYESTATE reserves the right to suspend issue on any day and to increase or decrease the usual number of editions printed without notice and the costs will be changed accordingly and clients will be advised;
  • space is sold to the client for the purpose of making announcements concerning his own business and also may not be used for attacking or making comparisons with other clients, firms institutions or persons;
  • should it not meet its frequency or volume commitment, MONEYESTATE may charge the top rate. This also applies when a contract is cancelled prior to completion;
  • should it exceed its monthly commitment, no reduction shall be rebated for advertising which has already appeared. However, the contract may be revised by the client’s request where after the lower rate shall apply;
  • any client or advertising practitioner placing an advertisement in any MONEYESTATE publication indemnifies that publication against any liability whether in respect of damages, cost or otherwise that it may incur as a result of the publication of that advertisement;
  • MONEYESTATE is hereby indemnified against the publication of any misuse of photos due to public domain;
  • any advertising must conform to Government, Advertising Standards Authority and MONEYESTATE’s requirements for the acceptance of advertisements;
  • where advertisements are booked and material arrives after deadline or fails to arrive, the space may still be charged for by MONEYESTATE;
  • it is the responsibility of the client to report any errors in advertisements within two days of publication;
  • it has received a copy of the advertisement tariff card of MONEYESTATE;
  • the deadlines of MONEYESTATE may be varied at any time;
  • If MONEYESTATE fails to insert or place a booked advertisement, the said booking will be included in calculating the contract fulfillment;
  • no liability for any errors in translation will be accepted by MONEYESTATE;
  • the booking of advertisements pursuant to this contract must be in writing duly signed by the client or his agent and specify the publication/s in which the advertisement should appear and dates of publication;
  • copyright on all advertising material originated by MONEYESTATE is owned by MONEYESTATE regardless of whether published or not.
  • MONEYESTATE’ LIABILITY TO YOU
    9.1. Other than as set out in this Agreement, and to the full extent permitted by law, MoneyEstate excludes all warranties, liabilities, rights, remedies, conditions and guarantees arising under or in respect of this Agreement and the Services, whether in contract, tort (including negligence), statute or any other cause of action.
    (a) to the extent that any liability may not lawfully be excluded but may be limited, MoneyEstate’ sole liability is limited to, at its discretion: (i) the supplying of the relevant services again; or (ii) the payment of the cost of having the relevant services supplied again; and
    (b) subject to paragraph (a) above and only where MoneyEstate’ liability is not otherwise excluded or limiting in this Agreement, if a claim or cause of action arises out of or in connection with this Agreement (whether arising in contract, tort (including negligence), indemnity or breach of statute), MoneyEstate’ liability for all claims or causes of action in the aggregate is limited, in respect of all claims or causes of action, to the sum of Fees paid or payable in respect of the Services to which the claim or cause of action relates.
    9.2. In no event will MoneyEstate be liable to you or any other person for loss of use, production, profit, revenue, business, data, contract or anticipated savings or for delay or for any financing costs or increase in operating costs or any economic loss for any indirect or consequential loss or damage.
    9.3. The parties agree that the time within any claim or cause of action may be brought arising out of or in connection with this Agreement (other than for a failure to pay any Fees) is limited to 3 months from the date the claim or cause of action arose or the date on which the claim or cause of action should reasonably have been discovered.
    9.4. For the purposes of this clause, the term MoneyEstate or party will mean MoneyEstate or a party to this Agreement, its officers, employees, contractors and agents, whether individually or collectively.
    9.5. Notwithstanding any other provision of this Agreement, MoneyEstate liability under or in connection with this Agreement will be reduced to the extent the loss or damage is caused by you or any person affiliated with you (including you related bodies corporation, representatives and personnel).
    9.6. You indemnify MoneyEstate, its officers, agents and contractors against all actions, claims and demands (including the cost of defending or setting any actions, claims and demands) arising out of any deliberate, unlawful or negligent act or omission by you.
  • SUSPENSION OF THE SERVICE
    10.1. MoneyEstate may limit, suspend or cancel the provision of a Service at any time:
    (a) without notice to you:
    (i) in the event of an emergency;
    (ii) if the supply or use of a Service is, or is likely to become, unlawful; or
    (iii) if, in MoneyEstate reasonable opinion, the provision of a Service is likely to cause death, personal injury or damage to property; and
    (b) by notice to you:
    (i) if you do not pay any amounts due for that Service on time;
    (ii) if your use of a Service interferes (or may interfere) with the Website, and you fail to rectify the situation; or
    (iii) if an administrator, receiver, liquidator or provisional liquidator is appointed to you, or you resolve to enter into any settlement, moratorium or similar arrangement for the benefit of your creditors, or you are otherwise unable to pay your debts when they are due.
    10.2. Where provision of a Service has been suspended or cancelled under clause 10.1, MoneyEstate may require you to pay additional charges to resume the provision of the Services.
  • TERMINATION OF THIS AGREEMENT
    11.1. MoneyEstate may immediately terminate this Agreement for cause on notice to you if you:
    (a) fail to pay the Fees or any other fees or charges under this Agreement by the due date for payment;
    (b) breach any provision of this Agreement that is not capable of remedy;
    (c) breach any provision of this Agreement that is capable of remedy and you fail to remedy such breach with 14 days of MoneyEstate notice to do so;
    (d) assign or purport to assign this Agreement; or
    (e) are or become insolvent.
    11.2. MoneyEstate may immediately terminate this Agreement on notice to you and without any liability if:
    (a) in relation to international listing syndication, any agreement between MoneyEstate and a third party to provide, share or distribute listings terminates or expires; or
    (b) MoneyEstate ceases to operate the relevant Service for any reason.
    11.3. You may cancel a Service or terminate this Agreement on 10 days written notice to MoneyEstate or as otherwise provided on the Website for that Service, but you agree that you are not entitled to any refund or reimbursement of any Fees.
    11.4. On the termination of this Agreement:
    (a) you must pay all outstanding fees to MoneyEstate;
    (b) you must return or destroy (at MoneyEstate option) all MoneyEstate intellectual property in your possession or control including but not limited to any application files; and
    (c) both MoneyEstate and you will continue to comply with all obligations expressed herein to continue to apply after the expiration or termination of this Agreement or that otherwise by their nature continue to apply after the expiration or termination of this Agreement.
    11.5. Termination of this Agreement will not prejudice any accrued rights or liabilities of a party.
  • INTELLECTUAL PROPERTY RIGHTS
    12.1. Nothing in this Agreement transfers ownership in, or otherwise grants any rights in, any intellectual property rights of MoneyEstate, except any rights expressly granted to you under this Agreement.
    12.2. All intellectual property rights in a Service and all information generated, compiled, arranged, stored or otherwise developed by MoneyEstate, including any listing, belong to MoneyEstate.
  • AMENDMENTS TO AGREEMENT
    13.1. MoneyEstate may amend this Agreement from time to time, with or without notice to you. However, MoneyEstate will endeavor to provide a notice of any such amendments on the Website.
    13.2. If you continue to use the Service, on or after the date of any amendments to this Agreement, then you are taken to have agreed to these amendments. If you do not agree with these amendments and these amendments have a material detrimental impact on you, then you may terminate this Agreement on notice to MoneyEstate without payment of any early termination fees.
  • FEES
    14.2. You must pay the Fees in monthly installments, payable in advance and commencing at the time that you register as a user of the online agent portal.
    14.3. MoneyEstate may vary the Fees payable for any MoneyEstate Services (including by imposing Fees on MoneyEstate Services which were previously not subject to Fees) at any time by providing 30 days written notice to you.
    14.4. If you fail to pay any Fees by the required time, MoneyEstate may:
    (a) limit or cease your access and use of the Services;
    (b) charge you interest at 10% (per annum) calculated on the daily amount outstanding; and/or
    (c) engage a third party collection agency to recover the outstanding fees, and charge you any expense (including legal fees) incurred by MoneyEstate in recovering the outstanding fees from you.

DEFINATIONS:
“Confidential Information” means:
(a) all confidential, non-public or proprietary information, regardless of how the information is stored or delivered, exchanged between the parties or their representatives (or in our case, provided by MoneyEstate, its related bodies corporate, its affiliates, and any entity owned by MoneyEstate) before, on or after the date of this Agreement relating to the business, technology or other affairs of the discloser of the information; and
(b) in MoneyEstate case, all information disclosed by a third party which MoneyEstate is required to keep confidential,
but does not include information:
(c) that is or becomes part of the public domain other than through breach of this Agreement or an obligation of confidence owed to the discloser;
(d) which the recipient can prove by contemporaneous written documentation was: (i) already known to it at the time of disclosure by the discloser (unless such knowledge arose from disclosure of information in breach of an obligation of confidentiality); or (ii) independently developed by the recipient without reference to the Confidential Information of the discloser; or
(e) which the recipient acquires from a source other than the discloser or any of its representatives where such source is entitled to disclose it on a non-confidential basis.
“Fee” means the fees and charges payable for the Services under this Agreement.
“Service” means the service, as selected by you, set out in the relevant product description on the Website, as amended by MoneyEstate from time to time.
“Submitted Material” means all editorial content, listings, information, photographs, videos and other material you upload and submit to the Website in your use of a Service.

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