Terms and Conditions

1. Welcome

Welcome to the Tanggram App and/or the Tanggram website (together, the “Services”), which are owned and operated by Tanggram Pty Ltd (hereinafter referred to as “Tanggram”, “We” or “Us” or “Our”) (ABN:18 625 016 480). Please take a few minutes to read the following terms and conditions to understand Your legal rights and obligations when using the Services. These terms (“Terms”) constitute a binding agreement between you ("You", "Your" or the "User") and Tanggram. The Terms govern the use of the Services provided by Us through Our Website (“Website”) or mobile phone App (“App”). “T-Points” means the cryptographic reward tokens offered by Tanggram Shopping Rewards Program. “Merchant” means a merchant listed on the Tanggram App that provides “shopping rewards” to Tanggram Users.

By browsing, accessing or using the Services, You acknowledge that You have read and understood the Terms, accept these Terms, and agree to be bound by them. If You don’t agree with or cannot comply with the Terms, then please stop using the Services.

Tanggram reserves the right to change these Terms from time to time, effective upon the posting of the modified terms, and Tanggram will make every effort to communicate these changes to You via email or notification via Tanggram Website (www.tanggram.com) and the App. It is likely the Terms of use will change over time. By using the Services, You agree the most current version of the Terms (they may change over time).

2. Description of the Service

The App is a fintech platform that enables Users to invest while you shop. Users get shopping rewards (hereinafter referred to as “Shopping Rewards” or “T-Points”) from Merchants for shopping through the App. The accumulated Shopping Rewards can be redeemed by purchasing units in Tanggram Investment Fund (Fund). Users may earn T-Points for further rewards when they refer to friends or meet Tanggram’s promotional requirements.

2.1. The Tanggram Investment Fund

The Fund is a retail managed investment scheme in the form of an Australian unit trust.

Our related party, Tanggram Capital Pty Ltd (ABN: 64 630 041 020), is the investment manager of the Fund (Investment Manager). The Investment Manager is a corporate authorised representative of (CAR No: 001278336) of DHF Investment Managers Pty Ltd (AFSL 509932). The Investment Manager's authority under its corporate authorised representative agreement with DHF Investment Managers Pty Ltd is limited to general advice regarding the Fund only. Any other advice provided is not provided pursuant to this agreement. Vasco Investment Managers Limited (Responsible Entity) is the responsible entity of the Fund and the issuer of its Product Disclosure Statement.

Our Services contain information about the potential issue of interests in the Fund, but are not intended to be used by any other persons in any other jurisdiction if and to the extent that to do so would be in breach of Australian laws, or the laws of any foreign jurisdiction.

Neither the Tanggram, Investment Manager, DHF Investment Managers Pty Ltd nor the Responsible Entity make any representation as to the accuracy, completeness, relevance or suitability of the information, conclusions, recommendations or opinions published through the Services (including, but not limited to any forecasts made). No liability is accepted by any of these entities or their respective directors, officers, employees, agents or advisors for any such information, conclusions, recommendations or opinions to the fullest extent possible under applicable laws.

The Services may publish forward looking statements regarding our intent, belief or current expectations with respect to market conditions. Readers are cautioned not to place undue reliance on these forward-looking statements. The Investment Manager does not undertake any obligation to revise any forward-looking statements to reflect events and circumstances after the date of this publication.

Neither the Investment Manager, DHF Investment Managers Pty Ltd nor the Responsible Entity guarantee the repayment of capital, the performance of any investment or the rate of return for the Fund. Past performance is not necessarily indicative of future performance.

2.2 General Advice Only

The Investment Manager does not take into account Users’ particular financial situation and gives no advice on the suitability of any financial product to users. Users should consider the appropriateness of the information in view of their own objectives, financial situation and needs before acting on the information provided pursuant to the Services.

3. General

3.1. Registration

3.1.1. You confirm that You are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms, and to abide by and comply with these Terms.

3.1.2. Tanggram reserves the right to discontinue or cancel Your registration, at Our sole discretion and without notice, including but not limited to the following reasons: (a) breach of any applicable law or breach of any of the Terms; (b) We deduce that Your conduct damage on Our name or reputation; or(c) We deduce that Your conduct violates Our or another party’s rights.

3.2. Usernames and Passwords

3.2.1. You agree and acknowledge that You are responsible to maintain the security and confidentiality of Your password, and Your Login email address, which allows You to access the Service. That Login email address and password, together with any other information You provide at signup quoted as Your “Registration Information”. You must keep Your “Registration Information” secure at all times. Do not:

• sharing Your “Registration Information” with anyone.

• using Your previous password or any password that is guessable easily.

• exposure the device You use to login to the Services in a place that can be easily accessed by others.

3.2.2. We assume all actions and activities from Your side with Your “registration information” was made by You or authorised by You. You are solely responsible for any activity that occurs on Your account. Please notify Tanggram via customer@tanggram.com immediately if You suspect there is any unauthorised use of Your account by any other internet user or any other breach of security.

3.3. Access of the Service

3.3.1. You must access and use Tanggram Website and App for lawful purposes and in accordance with these Terms and Conditions.

3.3.2. Your right to access and use the App is personal to You and is not transferable by You to any other person or entity.

3.3.3. While We endeavour to ensure the Service are available twenty four (24) hours a day, We are not under any obligation to do so, and We will not be liable to You if the Services are unavailable at any time or for any period. We will notify You with the Service suspension period for repairs, maintenance or the introduction of new facilities or services, but Your access to the Services may also be occasionally suspended or restricted at any time without notice to You.

3.4. Information collected

3.4.1. Accurate records enable Tanggram to provide the highest level of Service to You. You must provide true, accurate, current and complete information about Your accounts. In order for the Service to function effectively, You must also keep Your Registration Information up to date and accurate. If You do not do this, the accuracy and effectiveness of the Service to You will be affected.

3.4.2 By providing Us with Your email address, You agree to receive all required notices electronically to that email address. Notices will be provided in HTML (or, if Your system does not support HTML, in plain-text) in the text of the email or in the appropriate page on Our App.

3.5. Service fee

The Service is available to you free of charge. Tanggram reserves the right to introduce a fee for the use of the Service. If Tanggram decides to introduce such a fee, Tanggram shall inform you accordingly and allow you to either continue or terminate your use of the Service.

4. Third Party links, offers and activities

4.1. All third-party products and/or services including names, services, company names and logos mentioned on the Tanggram are affiliated with their respective owners, which are in no way associated or affiliated with Tanggram. These information, by trade name, trademark, service provider, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by Tanggram.

5. Intellectual Property Rights

5.1. All intellectual property in relation to the Website, the App and the content and material on the Website or App (including the software, design, text, data, icons, logos, copyrights, trademarks, concepts sound recordings and graphics comprised in the Website) (“Intellectual Property”) belongs to Tanggram, respective owners, advertisers or affiliates.

5.2. Tanggram retains all right, title, and interest in and to the Website/App and all related content and Intellectual Property, and nothing You do on or in relation to the Website/App, or any of the related content will transfer any rights, in intellectual property or otherwise, to You, or license to You any such rights unless expressly stated otherwise.

5.3. You agree not to do anything that interferes with or breaches the intellectual property rights in the content. You agree not to copy, modify, create a derivative work, reverse engineer, reverse assemble, attempt to discover the source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any content on the Website and App.

5.4. You may download and view content or print a copy of the material on the Website and App for personal, non-commercial Use, provided that You do not modify the content in any way (including any copyright notice).

5.5. The content of Tanggram belongs to Evertang Group Pty Ltd (ABN: 36 623 915 846) or its software or content suppliers. Tanggram grants You the right to view and Use the Services subject to these terms. You may download or print a copy of the information provided through the Services for Your personal, internal and non-commercial Use only. Any distribution, reprint or electronic reproduction of any content from Tanggram in whole or in part for any other purpose is expressly prohibited without Our prior written consent.

6. Access to the Interface

6.1. You agree that You will not:

• Use any tools, program, algorithm or methodology to access, acquire, copy or monitor the App or any portion of the App, without Tanggram’s express written agreement, which may be withheld in Tanggram’s sole discretion;

• Violate or attempt to violate the computer systems which support the Website or App. You must not hack into the Website, App, Tanggram's computer systems or the computer systems of other Users’ Website or App, which includes but not limits unauthorised access, malicious damage and/or interference and includes, without limitation, spamming, propagating viruses, worms or other types of malicious programs, deliberate attempts to overload a computer system, broadcast attacks or any other method designed to damage or interfere with the operation of a computer system or Website/App.

• Collect, store or upload personal information of other Users of the Services;

• Impersonate or falsely represent Your association with any individual or entity;

• Post, communicate or transmit or Use any material of any kind for commercial purposes, or which contains any promotional material or advertising, or any other forms of unsanctioned solicitation, including without limitation junk mail, spam, chain letters, or unsolicited mass distribution of email;

• Delete, circumvent or alter any author attribution, legal notices, rights management information or technological protection measures;

• Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the App or the Services. Furthermore, Tanggram does not warrant that the functions contained in the Website and Service, such as hyperlinks, will be uninterrupted or error free, that defects will be corrected or that Tanggram or Our hosting server, are free of viruses or bugs.

7. Limitation of Liability

7.1. To the fullest extent permitted by law, in no event shall Tanggram, its officers, directors, employees, or agents, be liable to You for any direct, indirect, incidental, special, punitive, losses or expenses or consequential damages whatever resulting from any

• errors, mistakes, or inaccuracies of content,

• personal injury or property damage, of any nature whatever, resulting from Your access to and Use of Our services,

• any unauthorised access to or Use of Our secure servers and/or any and all personal information and/or financial information stored therein,

• any interruption or cessation of transmission to or from Our services,

• any bugs, viruses, hack attacks, or the like, which may be transmitted to or through Our services by any third party, and/or

• any errors or omissions in any content or for any loss or damage of any kind incurred as a result of Your Use of any content posted, emailed, transmitted, or otherwise made available via the services, whether based on warranty, contract, tort, or any other legal theory, and whether or not the company is advised of the possibility of such damages.

7.2. You specifically acknowledge that Tanggram shall not be liable for the content or the defamatory, offensive, or illegal conduct of any third party and that the risk of harm or damage from the foregoing rests entirely with You.

8. Warranties and Disclaimer

8.1. We understand that, in some jurisdictions, warranties, disclaimers and conditions may apply that cannot be legally excluded. If that is true in Your jurisdiction, then to the extent permitted by law, Tanggram limits its liability for any claims under those warranties or conditions to either supplying You the services again (or the cost of supplying You the services again).

8.2. The Service is controlled and offered by Tanggram from its facilities and makes no representations that the Service is appropriate or available for in any locations. Those who access or use the Service from other jurisdictions do so at their own volition and are responsible for compliance with local law.

8.3. Tanggram does not provide financial advice. Since the Investment Manager of the Fund provides general financial product advice about the Fund only, You should use the information available through the Services at Your own risk and should consult Your financial advisor prior to entering into any products listed on the App.

8.4. Merchant Promotions and Rewards

8.4.1. Prices are current at the time of display but are subject to change and unless otherwise specified, all prices that appear throughout our Website or the App are in Australian dollars (AUD) and are inclusive of GST where applicable.

8.4.2. The content appearing in the App relating to the Merchant’s products and/or services including photographs, business description, offer details, terms and conditions of the Rewards and contact details are generally made available to us by the Merchants. Whilst we make all reasonable efforts to correct any errors or omissions as soon as practicable after being notified of their existence. We cannot guarantee that the Service will be free of faults and we do not accept liability for any errors or omissions. In the event of an error or fault, you should report it by email to customer@tanggram.com.au where there is inconsistency between the content on the Website and the App, the content on the App always prevails.

8.4.3. The Merchant may specify their own terms and conditions that apply to their Rewards. In addition. You must always check the conditions before deciding to redeem the Rewards. The Merchants have the discretion to refuse to honour the Rewards if you have not complied with the conditions.

8.4.4. When You redeem the Rewards, the goods and services are provided to You directly by the Merchant and not by Us. The Merchants are solely responsible for complying with all applicable laws. To the extent permitted by law (including the Australian Consumer Law), We make no warranty or representation regarding the standard of any goods or services to be supplied by the Merchants and We are not responsible for the actions or inactions of the Merchants. The Service also contains links to external websites (i.e. Merchant’s websites, or their social media pages) which are not under our control. We do not accept any responsibility for the content presented on such websites or any damage that you may sustain as a result of visiting them. By linking to such sites, we are in no way suggesting an endorsement of or relationship with that organisation.

8.4.5. Despite Our best endeavours, the details of the Merchants and/or the Rewards may change from time to time and often due to reasons beyond our control (for example, a Merchant has gone out of business or a Promotion is ceased due to the changes in their business operation). And Tanggram is not responsible for these information changes.

9. Termination

9.1. We may terminate Your account in our sole and absolute discretion without notice to You, including if:

• We suspect you have reached these Terms or any applicable law;

• We reasonably suspect you have committed fraud;

• We believe there has been a security breach or unauthorised use of Your account.

• required by applicable laws (such as anti-money laundering and counter terrorism financing laws, or sanctions laws); or

• We determine that Your conduct impacts on Our name or reputation or violates Our rights or those of another party;

9.2. Following termination of Your Account, You may forfeit all entitlements and benefits associated with Your Account including any unclaimed Shopping RewardsT-Points remaining in Your account, We may contact You by email for further investigation, however, We will have no further obligations or liabilities to You. Upon termination, all of Your user content will remain and may be dealt with by Us as We think fit.

10. Purchase of Goods and Services

10.1. You purchase the goods and services from the Merchants only, and all the payment is made and authorised by you. If You believe You have been overcharged or charged incorrectly You shall review your transactions history and order history first and contact us directly if you have any further questions.

10.2. We display Merchants’ information for promoting Merchants’ business, and reallocate the Shopping Rewards from Merchants to You as long as You collect the Rewards using Tanggram App. You acknowledge that the Merchant is solely responsible for the provision of any goods and services.

11. Using of T-Points

11.1. You can earn the T-Points from shopping Group Buy deals, T-Points Catch deals, in the “Socializing” function and through Tanggram future promotions subject to availability.

11.2. The T-Points earned can be used to exchange for Tanggram merchants goods and services via T-Pay or it can be redeemed into fund units available in the Tanggram App. The T-Points cannot be redeemed for cash, bartered or sold.

12. Privacy Policyios/tanggram/Supporting/Expo.plist

12.1. We undertake the obligation of Tanggram's Privacy Policy. You agree to provide accurate and complete information when You register with Tanggram, and You agree to update such information to keep it accurate and complete. You acknowledge that Tanggram may store, collect and use Your information in accordance with our Privacy Policy.

13. Jurisdiction and Agreement

13.1. These Terms are governed by the laws in force in the State of Victoria, Australia and You irrevocably agree to submit to the exclusive jurisdiction of the courts of Victoria, Australia in respect of any dispute arising from these Terms of Service.