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2.1

These Terms and Conditions apply to individuals who are consumers for purposes of the Consumer Protection Act 2008 (the "CPA").

2.2

These Terms and Conditions contain provisions that appear in similar text and style to this clause and which:

1. May limit the risk or liability of nu or a third party; and/or

2. May create risk or liability for the individual; and/or

3. May compel the individual to indemnify nu or a third party; and/or

4. Serve as an acknowledgement, by the individual, of a fact.

2.3

Please be aware that these Terms and Conditions require your careful attention as they are important. It is crucial to thoroughly read and understand them.

2.4

If there is any provision in these Terms and Conditions that you do not understand, it is your responsibility to ask nu to explain it to you before you accept the Terms and Conditions by continuing to use the App.

2.5

Nothing in these Terms and Conditions is intended or must be understood to unlawfully restrict, limit or avoid any right or obligation, as the case may be, created for either you or nu in terms of the CPA.