1. Definitions and Interpretation
1.1 In these Terms, unless the context otherwise requires, the following expressions have the following meanings:
means an account required to access and/or use certain areas of Our Site;
means a User who re-sells through Our Site;
means a user of Our Site, including Seller;
means any Content added to Our Site by a User;
means a User, or Seller as the context requires;
means Reflaunt Pte. Ltd a limited company registered in Singapore under company number UEN 201819230E whose registered address is 81 Ayer Rajah Crescent, #03-41, Singapore (139967) ;
means a commission percentage fee We apply to each re-sale made on Our Marketplace network;
means a transaction fee applied by Our Marketplace network to each re-sale made;
means the online store credit added to the Seller’s personal account with the Retailer once an Item/bag is successfully re-sold/bought back;
means the automated price reduction service offered to Sellers;
means the pick-up service provided by the Third Party selected by the Supplier;
means items of the Seller that are placed with the carrier selected by Us and shipped together under one pre-paid shipping label per parcel (unless otherwise instructed by Us).
means a list of online retailers of pre-loved designer styles and other fashion items with which the Supplier has established commercial agreements;
means anyone who buys the items listed in Our Marketplace network
means a pre-loved designer item for resale advertised through a Listing on Our Marketplace Network;
means a listing on Our Marketplace network advertising an item or items for sale which appears on Your digital wardrobe;
means a fashion marketplace within Our network of trusted third party marketplaces for Buyers and Sellers;
means the retailer stated on Our Site who we have partnered with to offer our services;
means this website, ‹‹www.netaporter.reflaunt.com››;
means any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer that appears on, or forms part of, Our Site.
2. Information About Us
2.1 Our Site is owned and operated by Reflaunt Pte. Ltd, a limited company registered in Singapore under company number UEN 201819230E, whose registered address is 81 Ayer Rajah Crescent, #03-41, SINGAPORE (139967).
3. Access to and Use of Our Site
3.1 Access to Our Site is free of charge.
3.2 It is the Seller responsibility to make any and all arrangements necessary in order to access Our Site.
3.3 Access to Our Site is provided “as is” and on an “as available” basis. We may alter, suspend, or discontinue Our Site (or any part of it) at any time and without notice. Subject to the remainder of these Terms, We will not be liable to You in any way if Our Site (or any part of it) is unavailable at any time and for any period.
3.4 Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third-party sites. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.
4.1 Certain parts of Our Site (including the ability to re-sell through a Marketplace) require an Account in order to use them.
4.2 When creating an Account, the information You provide must be accurate and complete. If any of Your information changes at a later date, it is Your responsibility to ensure that Your Account is kept up to date.
4.3 We require that You use the same email address on Your Account that is used for your personal account set up with the Retailer to ensure successful application of store credit
4.4 We require that You choose a strong password for Your Account, consisting of a combination of lowercase and uppercase letters, number and symbols.
4.5 It is Your responsibility to keep Your password safe.
4.6 If You believe Your Account is being used without Your permission, please contact Us immediately at firstname.lastname@example.org. We will not be liable for any unauthorized use of Your Account.
4.7 You must not use anyone else’s Account.
4.8 All personal information provided in Your Account will be collected, used, and held in accordance with Your rights and Our obligations under the law. If You wish to suspend or delete Your Account, You may do so at any time by sending an email to email@example.com, specifying the email address used when the account was created. If You delete Your Account, We will remove Your information from Our systems and will remove Your User Content from Our Site (but may use anonymised data for our own marketing purposes). If You suspend Your Account, nothing will be deleted, but You will cease to be visible to other Users on Our Site. Deleting Your Account will also remove access to any areas of Our Site requiring an Account for access.
5. Our Site
Our Site is provided solely as an online venue for Sellers.
You hereby acknowledge and agree that:
5.1 Buyers are not making purchases from Us and are not entering into a contract with Us. A Buyer’s purchase is from the Seller in question and their contract is with that Seller;
5.2 You are required to comply with these Terms, which include provisions covering important matters such as payment methods, processing times, and delivery methods.
6. What Can and Cannot be Sold
6.1 The following are permitted on Our Marketplace network: Ready-To-Wear, Bags, Shoes, Jewelry, Accessories and Small Leather Goods in “brand new", "excellent" and "very good" condition as per our definitions. The items must be washed or dry cleaned, have no holes, marks or significant alternations, and ready to be sent to a new home. The item does not have to be originally purchased from the Retailer.)
6.2 The following are not permitted on Our Marketplace network:
- counterfeit or non-genuine items;
- luxury watches, swimwear, beachwear, activewear, bras, lingerie, tights, socks, hair accessories, handmade pieces or designer items that have been altered;
- Items in exhotic material
- Tailored products
- Handmade pieces or designer items that have been altered
- Items that have not been acquired legally
- Items whose sale is contrary to the law
- Items with a hygiene or health risk
- Products with offensive imagery
6.3 You must sell a minimum of three items to use this service. This helps us deliver the best service to you and contributes to a reduction in the amount of CO2 generated by each shipment. Please note that we are constantly monitoring this service and piloting multiple new solutions that may result in future changes to our service conditions.
6.4.1 If you are selling a designer bag for instant store credit, the following are permitted: any pre-loved bag(s) that is in “excellent and brand new condition” as per our definitions and is present in the list of brands below. The item does not have to be originally purchased from the Retailer.
● Alexander McQueen
● Bottega Veneta
● Louis Vuitton
● Miu Miu
● Saint Laurent
● Salvatore Ferragamo
● Stella McCartney
6.4.2 The following are not permitted:
● any item(s) which is not identifiable as bag(s);
● any bag(s) which does not comply with the requirements at 6.2.
7. Item Acceptance Conditions
7.1 Upon receipt, We will evaluate each Item to determine, in our sole discretion, its authenticity, quality, and value. The Item’s condition will affect the valuation.
7.2 We only accept Items that: (a) We determine in our sole discretion to be eligible for the service per the conditions described in points 6.1 and 6.4.1 (b) that We determine in our sole discretion to be authentic; and (c) for which the representations and warranties You make in the "Your Representations, Warranties, and Indemnification" section below are true.
7.3 Please refer to the definitions below
- Brand new: The piece has never been worn or used and is as good as brand new.
- Excellent: The piece has barely been used or worn and has minimal signs of usage.
- Very good: The piece has been used or worn and has some signs of wear.
- Good: The piece has been used or worn and has moderate signs of wear.
- Moderate: The piece has obvious signs of wear (hard scratches, stains).
7.4. You can only resell items included within the category and brand list provided in the resale journey.
7.5. Any products included in the Approved Shipment that were not requested on the Platform will not be insured against potential loss.
7.6 Items that do not meet the above requirements will not be accepted and will be either: (1) returned to the Seller at the Seller’s expense of $15 per Item piece (capped at $45 for a single shipment or (2) with the Seller’s approval, We will donate the Seller’s items to a charity of our choice.
8. Unauthenticated, Counterfeit or Stolen Items
8.1 You are responsible for ensuring the authenticity of all Items You provide to Us. If We cannot confirm the authenticity of any Item You have provided, we shall have the right in our sole discretion to refuse to accept the Item. You can request a return as outlined in section 7.6.
8.2 If We determine at any time that an Item is counterfeit, We shall notify You that We have made such a determination and You will have an opportunity to provide proof of purchase/other proof of authenticity acceptable to Us.
8.3 You acknowledge and understand that We are subject to laws and regulations relating to claims that consigned items are counterfeit, have been stolen, or otherwise violate applicable law. We take such reports seriously and will cooperate with law enforcement in all investigations.
8.4.1 The Seller is responsible for all risk or loss or damage to the Item until We take physical possession of it. An item is considered to be in Our physical possession only once it reaches Our warehouse.
8.4.2 We accept the risk of loss or damage of items only when (i) We take physical possession of the item(s), or (ii) You use Our approved, pre-paid shipping label and Approved Shipment and the label is processed into Our approved shipping vendor’s tracking system.
8.4.3 If an item is damaged, stolen, or lost while in Our possession or during Approved Shipment and the loss is confirmed by the courier, it will be treated as Sold and We will refund the resale value of the item. If the item is priced, the price will be based on the amount disclosed. If the item is not priced, We will pay the Seller an estimated purchase price. Such Estimated Purchase Price will be determined by Our sole discretion based on the information provided and the item’s estimated price net of all commissions, cost of shipping and duties. This payment represents the amount You would have received in the normal course of a sale, less any discounts or promotions applied under this Agreement.
8.4.4If an item is damaged or lost before being in Our possession, the Seller must open a dispute with the shipping provider.
8.4.5 In the event You request return of an item, and it is damaged during shipping, We will evaluate the damage at Our sole discretion and if We can validate, and ultimately agree with, Your damage claim, We will provide a refund based on Our sole discretion
9. Descriptions Policy and Pricing.
9.1 We aim to assist with the sale of each Item at the highest price within a reasonable period. Our pricing algorithm considers several criteria such as brand, category, retail price, condition, demand and availability of a User’s Items on Our Marketplace network. We cannot guarantee a price for each Item and the sale of an Item is subject to the terms and conditions of the marketplaces we engage through Our Marketplace network.
9.2 We will display Items through Our Marketplace network and to the extent applicable, will at Our sole discretion, display and make available an Item for sale at a physical retail location through one of our partners.
9.3 A seller can reduce the price of an Item until such time as the order is accepted by a Buyer.
9.4 When a Seller submits a collection request, items are shipped to our warehouse for a full inspection, photo shooting, and curation. Once this process is completed, the Seller will receive via email a Consignment Agreement, which lists all items that have been accepted and/or rejected for resale. The Seller will have to approve the pricing in the Consignment Agreement before items are put on sale. If the Seller does not approve the pricing in the Consignment Agreement for any item, it will be treated as a rejected item. For rejected items, the Seller can choose to have them returned for a fee or donated to a cause at Our discretion.
9.5 When a Seller submits a proposal to sell a designer bag for instant store credit, they will receive a preliminary quote for the bag within 48 hours, which provides an estimated range of value the Seller will be expected to earn from the sale. The Seller can accept or decline this initial offer. If the Seller accepts, they agree to ship the bag by scheduling a complimentary collection, choosing between pick-up or drop-off in a preferred drop-off location. Once the bag reaches the warehouse, Our team of experts will inspect it and make a final offer. If the Seller rejects the offer, the bag can be returned to the Seller’s address for a fee.
10. Smart-Pricing Feature
10.1 Once their piece has been reviewed and accepted for listing, the Seller can choose whether to use the Smart Pricing Feature or not, which automatically and progressively reduces the payout of items over time. With this feature, the payout of your pieces are progressively reduced over time by 15% every 45 days, with a maximum price reduction of 3 x 15%. In the absence of a selection made by the Seller, the Smart-Pricing Feature is activated by default.
11. Re-Selling, Store Credit and Fees
11.1 An Item shall be treated as sold at the point at which a Buyer places an order in respect of an Item in accordance with the terms and conditions of a Marketplace within Our network and the Seller accepts the order, or at the point at which We accept Your buyback proposal.
11.2 When making a purchase from a Seller, the Buyer expressly agrees to the terms of the relevant Marketplace within Our network. The Buyer shall have a designated number of days, depending on the marketplace’s conditions, from the date of receipt of an Item to return their purchase.
11.3 The Seller’s store Credit which the Seller will receive upon the successful completion of a sale of an Item, or upon the successful completion of a buyback request, will be net of any and all Commission and Transaction fees that We apply to an Item. The Seller’s expected net pay-out amount (issued in the form of store Credit or a cash payment) will be indicated to the Seller prior to the Seller’s acceptance for a Listing to be published and before the Seller’s Item is sold.
11.4 The Seller’s Store Credit can be used in the Retailer’s online store and are subject to the Retailer’s T&Cs.
11.5 Store credit will be automatically uploaded on the Seller’s account in the currency of the country where the Seller registered. If this currency differs from the one of the country where items are picked up or dropped off, the amount will be converted. Similarly, if the Seller wishes to change it to a different currency for example to Euros, it may be subject to a currency conversion.
12. Pick-Up Service
12.1 We provide complimentary Pick-Up and drop off service for all Items on Our Site.
12.2 We accept Items from You on a consignment basis only. The Seller is responsible for all risk or loss or damage to the Item until We take physical possession of it. An item is considered to be in Our physical possession only once it reaches Our warehouse.
12.3 The items must be shipped using only one approved, pre-paid shipping label per parcel and Approved Shipment. We will not accept any risk of loss or damaged items if the Seller does not comply with the Approved Shipment criteria.
12.4 If an item is damaged, stolen, or lost while in Our possession or during Approved Shipment and the loss is confirmed by the courier, it will be treated as Sold and We will refund the resale value of the item. If the item is priced, the price will be based on the amount disclosed. If the item is not priced, We will pay the Seller an amount determined by Our sole discretion based on the information provided and the item’s estimated price net of all commissions, cost of shipping and duties. This payment represents the amount You would have received in the normal course of a sale, less any discounts or promotions applied under this Agreement.
12.5 If an item is damaged or lost before being in Our possession, the Seller must open a dispute with the shipping provider
12.6 In the event You request return of an item, and it is damaged during shipping, We will evaluate the damage at Our sole discretion and if We can validate, and ultimately agree with, Your damage claim, We will provide a refund based on Our sole discretion.
13. Consignment Agreement
13.1 Our Service is offered for free to Sellers who wish to sell items that have been accepted by Us in accordance with Clause 7 and 8 of these Terms.
13.2 The consignment period for each Item begins on the date We accept the item for consignment and ends 365 days thereafter, even if these Terms have been terminated during that time by the Seller or Us. At any time prior to the expiry of the consignment period, and subject to this provision, the Seller may request in writing by email to: firstname.lastname@example.org that We return the item, so long as the Item has not already been sold. Once We receive the Seller’s return request, we will use commercially reasonable efforts to remove the Item from Our Site and from any of our Marketplaces if applicable, before it is sold. It is the Seller’s responsibility to ensure that We have the Seller’s most current contact information and mailing address.
13.3 If the return request is made 180 days or less from the date We accepted the Item, We will return the item within 30 days. We will charge the Seller $15 per piece (capped at $45 for a single shipment). If the return request is made more than 180 days after we have accepted the Item, the Item will be returned within 30 days at Our expense and no fees will be added. If an Item remains unsold at the end of the consignment period, We will contact the Seller and, at the Seller’s option and Our expense: (i) return the Item to the Seller (ii) donate the Item to a charity of Our choice.
13.4 If at the end of the consignment period We are unable after using commercially reasonable efforts to contact the Seller at the email or physical address We have for the Seller on file, the item may be donated to a charity of Our choice.
14. Selected Bags from Pre-Approved Designer
14.1 Our Service is offered for free to Sellers who wish to sell bag(s) that have been accepted by Us in accordance with Clause 6, 7 and 8 of these Terms.
15. Intellectual Property Rights
15.1 All Content included on Our Site and the copyright and other intellectual property rights in that Content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content is protected by applicable intellectual property laws and treaties.
15.2 Subject to sub-Clause 9.2, You may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use Content from Our Site unless given express written permission to do so by Us or the relevant User.
15.3 You may:
15.3.1 access, view, and use Our Site in any web browser (including, but not limited to, in-app web browsers);
15.3.2 download Our Site (or any part of it) for caching;
15.3.3 print pages from Our Site;
15.3.4 download extracts from pages on Our Site; and
15.3.5 save pages from Our Site for later and/or offline viewing.
15.4 The owner and author of any Content) must always be acknowledged when re-using that Content.
16. Rules and Acceptable Usage Policy
16.1 When using Our Site, You must do so lawfully, fairly, and in a manner that complies with the provisions of this Clause 10. Specifically:
16.1.1 You must ensure that You comply fully with all local, national, or international laws, and/or regulations (including but not limited to those which may apply to the item(s) You wish to sell);
16.1.2 You must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent;
16.1.3 is in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.
16.2 We reserve the right to suspend or terminate Your access to Our Marketplace and Our Site if You materially breach the provisions of this Clause 10 or any of the other provisions of these Terms. Further actions We may take include, but are not limited to:
16.2.1 removing Your Listing(s) from Our Site;
16.2.2 issuing You with a written warning;
16.2.3 legal proceedings against You for reimbursement of any and all relevant costs resulting from Your breach on an indemnity basis;
16.2.4 further legal action against You as appropriate;
16.2.5 disclosing such information to law enforcement authorities as required or as We deem reasonably necessary; and/or
16.2.6 any other actions which We deem reasonably necessary, appropriate, and lawful.
16.3 We hereby exclude any and all liability arising out of any actions that We may take in response to breaches of these Terms.
17.1 If there is a dispute between You and Us, We shall have no obligation to pay any Store Credit or other amounts due to You, including without limitation, amounts unrelated to the dispute, unless and until the dispute is resolved. We may withhold any Store Credit due to You (including any due for sold Items not subject to the dispute) in full or partial satisfaction of any amounts You owe to Us.
18. Account Cancellation Rights
18.1 You may close Your Account and cancel Your agreement with Us by sending an email to email@example.com.
19. Our Liability to You
19.1 We will be responsible for any foreseeable loss or damage that You may suffer as a result of Our breach of these Terms or as a result of Our negligence.
19.2 To the fullest extent permissible by law, We will not otherwise be liable to You for any loss of profit, loss of business, interruption to business, or for any loss of business opportunity.
19.3 Nothing in these Terms seeks to limit or exclude Our liability for death or personal injury caused by Our negligence (including that of Our employees, agents, or subcontractors); or for fraud or fraudulent misrepresentation.
19.4 We use all reasonable skill and care to ensure that Our Site is free from viruses and other malware. Subject to sub-Clause 21.2, however, We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect Your hardware, software, data, or other material that occurs as a result of Your use of Our Site or any other site referred to on Our Site.
19.5 We neither assume nor accept responsibility or liability arising out of any disruption or non-availability of Our Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.
20. Viruses, Malware and Security
20.1 We exercise all reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware. We do not, however, guarantee that Our Site is secure or free from viruses or other malware and accept no liability in respect of the same.
20.2 You are responsible for protecting Your hardware, software, data, and other material from viruses, malware, and other internet security risks.
20.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.
20.4 You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.
20.5 You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.
21.Events Outside of Our Control (Force Majeure)
21.1 We will not be liable for any failure or delay in performing Our obligations to You where that failure or delay results from any cause that is beyond Our reasonable control. Such causes include, but are not limited to: power failure, internet service provider failure, industrial action by third parties, civil unrest, fire, explosion, flood, storms, earthquakes, subsidence, acts of terrorism, acts of war, governmental action, epidemic or other natural disaster, or any other event that is beyond Our reasonable control.
21.2 If any event described under this Clause 19 occurs that is likely to adversely affect Our performance of any of Our obligations to You:
21.2.1 We will inform You as soon as is reasonably possible;
21.2.2 Our obligations under these Terms will be suspended and any time limits that We may be bound by will be extended accordingly;
21.2.3 We will inform You when the event outside of Our control is over and provide details of any new dates, times, or availability of services as necessary;
21.2.4 If the event outside of Our control occurs and continues for more than thirty (30) days and You wish to exercise Your right to cancel You may do so by sending us a relevant email.
22. Disclaimers and Legal Rights
22.1 Nothing on Our Site constitutes advice on which You should rely. Information and other materials on Our Site are provided for general information purposes only.
22.2 Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet Your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure. If, as a result of Our failure to exercise reasonable care and skill, any digital content from Our Site damages Your device or other digital content belonging to You (if You are a consumer) You may be entitled to certain legal remedies. For more details concerning Your rights and remedies as a consumer, please contact Your local Citizens Advice Bureau or Trading Standards Office.
22.3 We make reasonable efforts to ensure that Our Content on Our Site is complete, accurate, and up-to-date. We do not, however, make any representations, warranties, or guarantees (whether express or implied) that the Content is complete, accurate, or up-to-date.
23.1 You warrant to Us that:
● you are over 18 years of age;
● you own the Item and you have the legal right to sell your Item;
● the product information you provide to us shall be complete, accurate and truthful;
● neither the product information nor Your Item violate any law, statute or regulation;
● the product information is not defamatory, libelous, unlawfully threatening or unlawfully harassing;
● neither the product information nor your Item are obscene or pornographic and do not contain child pornography;
● the Item is in a clean and hygienic condition, free from any marks or stains;
● the Item is free from infestations, such as by moths, other insects, larvae and other live organisms.
24. Communication and Contact Details
24.2 We will never send You marketing emails of any kind without Your express permission. If You do give Us permission, You may opt-out at any time. Any and all marketing emails sent by Us include an unsubscribe link.
24.3 If You wish to contact Us with general questions or complaints, You may contact Us by email at: firstname.lastname@example.org, or by post at: 81 Ayer Rajah Crescent, #03-41, SINGAPORE (139967)
24.4 For matters relating to Our Marketplace including, but not limited to, these Terms, transactions, Buyers, and Sellers, please contact Us by email at: email@example.com, or by post at: 81 Ayer Rajah Crescent, #03-41, SINGAPORE (139967)
24.5 For matters relating to cancellations, please contact Us by email at: firstname.lastname@example.org, or by post at: 81 Ayer Rajah Crescent, #03-41, SINGAPORE (139967), or refer to the relevant Clauses above.
25. Data Protection
25.1 All personal information that We may use will be collected, processed, and held in accordance with the provisions of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”) and Your rights under the GDPR, or any applicable local regulation.
25.3 You may not add any User to a mailing list or use their data for marketing or other purposes. You may only use another User’s personal data for additional purposes with their consent.
25.4 If a Seller and Us are found to be joint data controllers of any Buyers’ personal data, and We are sued, fined, or otherwise incur any expense because of something a Seller has done with a Buyer’s personal data, the Seller agrees to indemnify Us for any expenses incurred by Us in connection with the Seller’s actions in respect of that personal data.
26. Other Important Terms
26.1 We may transfer (assign) Our obligations and rights under these Terms to a third party (this may happen, for example, if We sell Our business). If this occurs, You will be informed by Us in writing. Your rights under these Terms will not be affected and Our obligations under these Terms will be transferred to the third party who will remain bound by them.
26.2 You may not transfer (assign) Your obligations and rights under these Terms without Our express written permission.
26.3 If any of the provisions of these Terms are found to be unlawful, invalid or otherwise unenforceable by any court or other authority, those provision(s) shall be deemed severed from the remainder of these Terms. The remainder of these Terms shall be valid and enforceable.
26.4 No failure or delay by Us in exercising any of Our rights under these Terms means that We have waived that right, and no waiver by Us of a breach of any provision of these Terms means that We will waive any subsequent breach of the same or any other provision.
26.6 In the event of any conflict between the current version of these Terms and any previous version(s), the current version shall prevail unless it is specifically stated otherwise.
26.7 We may revise these Terms from time to time in response to changes in relevant laws and other regulatory requirements. If any changes to these Terms are to Your material disadvantage, You may cancel as set out in sub-Clause 16.2.3.
27. Law and Jurisdiction
27.1 These Terms and Conditions, and the relationship between You and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with the laws of Singapore.
27.2 If You are a consumer, You will benefit from any mandatory provisions of the law in Your country of residence. Nothing in the sub-clause above takes away or reduces Your rights as a consumer to rely on those provisions.
27.3 If You are a consumer, any dispute, controversy, proceedings or claim between You and Us relating to these Terms and Conditions, or the relationship between You and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of Singapore, as determined by Your residency.
27.4 If You are a business, any disputes concerning these Terms and Conditions, the relationship between You and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the non-exclusive jurisdiction of the courts of Singapore.