1.            Definitions and interpretation

1.1         Definitions

In these Terms of Trade:

Additional Charge means:

(a)          fees or charges for additional work performed at the Customer’s request or reasonably required as a result of the Customer’s conduct, calculated in accordance with the Supplier’s then current prices; and

(b)          expenses incurred by the Supplier, at the Customer’s request or reasonably required as a result of the Customer’s conduct.

Business Day means a day that is not a Saturday, Sunday or public holiday in the place where the Services are principally being carried out or the Goods provided.

Customer means the person identified on a Quote or Order as the customer and includes the Customer’s agents and permitted assigns.

Goods means any goods supplied by the Supplier including those supplied in the course of providing Services.

Intellectual Property Rights means intellectual property rights at any time protected by statute or common law, including copyright, trade marks, patents and registered designs.

Subject to payment of all invoices due in respect of the Goods or Services, the Supplier grants to the Customer a perpetual, non-exclusive licence to use the works created or produced by the Supplier in connection with the provision of Goods or Services under these Terms of Trade for the purposes contemplated by the Order.

Loss includes, but is not limited to, costs (including, but not limited to, party to party legal costs and the Supplier’s legal costs), expenses, lost profits, award of damages, personal injury and property damage.

Order means a purchase order for Goods or Services placed by a Customer in response to a Quote and as varied in writing from time to time by the parties.

PPS Law means:

(a)          the Personal Property Security Act 2009 (Cth) (PPS Act) and any regulation made at any time under the PPS Act (each as amended from time to time); and

(b)          any amendment made at any time to any other legislation as a consequence of a PPS Law.

Quote means a written description of the Goods or Services to be provided and an estimate of the Supplier’s charges for the performance of the required work.

Services means the services to be provided by the Supplier to the Customer in accordance with a Quote and these Terms of Trade.

Supplier means the entity specified as the supplier of Goods or Services on the Quote and includes the Supplier’s agents and permitted assigns.

1.2         Interpretation

In these Terms of Trade, unless the context otherwise requires:

(a)          a reference to writing includes email and other communication established through the Supplier’s website (if any);

(b)          the singular includes the plural and vice versa;

(c)          a reference to a clause or paragraph is a reference to a clause or paragraph of these Terms of Trade;

(d)          a reference to a party to these Terms of Trade or any other document or arrangement includes that party’s executors, administrators, successors and permitted assigns;

(e)          where an expression is defined, another part of speech or grammatical form of that expression has a corresponding meaning;

(f)           headings are for ease of reference only and do not affect the meaning or interpretation of these Terms of Trade; and

(g)          if the date on which any act, matter or thing is to be done falls on a day which is not a Business Day, that act, matter or thing:

(i)            if it involves a payment other than a payment which is due on demand must be done on the preceding Business Day; and

(ii)           in all other cases, must be done on the next Business Day.

 

2.            Engagement

(a)          These Terms of Trade apply to all transactions between the Customer and the Supplier relating to the provision of Goods and Services, including all quotations, contracts and variations. These Terms of Trade take precedence over Terms of Trade contained in any document of the Customer or elsewhere.

(b)          The variation or waiver of a provision of these terms or a party’s consent to a departure from a provision by another party is ineffective unless in writing signed by the parties.

(c)          The Supplier may amend any details in a Quote by notice in writing to the Customer. Such amended details supersede any relevant prior detail in dealings between the parties.

 

3.            Quotes

(a)          The Supplier may provide the Customer with a Quote. Any Quote issued by the Supplier is valid for 30 days from the date of issue.

(b)          Quotes are based upon the cost of materials available at the time of preparation of the Quote and assume the timely supply by the Customer of necessary material and instructions to the Supplier.

(c)          Following provision of a Quote to the Customer, the Supplier is not obliged to commence work until the Customer has accepted the Quote by submitting an Order in the ways described at clause 4 (a).

(d)          An indication in a Quote of the time frame for the provision of the Goods or Services is an estimate only and is not a fixed time frame. Subject to any obligations in respect of consumer guarantees under the Australian Consumer Law, this estimate is not binding upon the Supplier.

(e)          By requesting a Quote the Customer warrants that the Supplier will have clear and clean access to property at which the Goods or Services will be delivered and / or supplied.

4.            Orders

(a)          An Order for the provision of Goods or Services may be made by the Customer to the Supplier in writing or verbally and must include the payment of a deposit as indicated on the Quote. If no deposit amount is entered on the Quote then the deposit to be paid by the Customer to the Supplier is 10% of the value of the Quote.

(b)          Placement of an Order by the Customer signifies acceptance by the Customer of these Terms of Trade and the most recent Quote.

(c)          An Order placed by the Customer must clearly identify the Goods or Services ordered and the Supplier’s Quote. Any costs incurred by the supplier in reliance on incorrect or inadequate information may result in the imposition of an Additional Charge.

(d)          The Supplier may in its absolute discretion refuse to provide Goods or Services where:

(i)            Goods are unavailable for any reason whatsoever;

(ii)           credit limits cannot be agreed upon or have been exceeded; or

(iii)          payment for Goods or Services previously provided to the Customer has not been received by the Supplier.

(e)          An Order cannot be cancelled without the prior written consent of the Supplier. Where an Order is cancelled, the Customer indemnifies the Supplier against any Losses incurred by the Supplier as a result of the cancellation, including, but not limited to the Customer forfeiting any applicable Deposit referred to at subclause (6) to the Supplier and the Supplier retains all rights at law an equity in relation to any further Loss.

 

5.            Variations

(a)          The Customer may request that its Order be varied by providing a request in writing to the Supplier. A request for a variation must be agreed to in writing by the Supplier in order to have effect.

(b)          If the Customer wishes to vary its requirements after a Quote has been prepared or after the placement of an Order, the Supplier reserves the right to vary the Quote to include any Additional Charge in respect of any extra costs incurred or additional work carried out due to the variation, in accordance with its then current charge rates. A revised Quote issued by the Supplier in respect of the requested variation supersedes the original Quote.

(c)          The Supplier has an automatic extension of time for the provision of the Goods or Services equal to the delay caused by the variation.

 

6.            Invoicing and payment

(a)          The Supplier may in its absolute discretion, issue an invoice to the Customer in any one or more of the following ways:

(i)            prior to commencing the provision of the Goods or Services, for an amount equal to the Quote and Additional Charges where the Supplier has not previously carried out work for the Customer or where the Supplier chooses to do so;

(ii)           at the end of each week before the Order is completed, the Supplier may issue one or more invoices for a proportion or the whole of the amount of the Quote (the proportion to be calculated at the Supplier’s discretion either for work done to that point, work in the future or both) and require that proportion of the Quote be paid in advance of any further Goods or Services being provided; or

(iii)          upon completion of the provision of the Goods or Services or any time thereafter, for an amount equal to the Quote or the balance of the Quote outstanding, any Additional Charges and any amount not previously invoiced, or if no Quote was provided, for an amount representing the Supplier’s charge for the work performed in completing the Order and for any Additional Charges.

(b)          The amount payable in an invoice is as per the Quote and any Additional Charges.

(c)          The Customer must pay an invoice issued by the Supplier to the Supplier within 14 days of a valid tax invoice being issued to the Customer.

(d)          If any invoice is due but unpaid, the Supplier may withhold the provision of any further Goods or Services until overdue amounts are paid in full.

(e)          The Supplier may in its complete discretion apply any payment received from the Customer to any amount owing by the Customer to the Supplier.

(f)           The Customer is not entitled to retain any money owing to the Supplier notwithstanding any default or alleged default by the Supplier of these Terms of Trade, including (but not limited to) the supply of allegedly faulty or defective Goods, provision of Services to an inadequate standard or a delay in the provision of Goods or Services. Nothing in this paragraph affects the Customer’s rights for any alleged failure of a guarantee under the Australian Consumer Law.

(g)          The Customer is to pay the Supplier on demand interest at the rate of 10% per annum on all overdue amounts owed by the Customer to the Supplier, calculated daily.

(h)          All costs and expenses associated with collecting overdue amounts, including (but not limited to) legal fees and internal costs and expenses of the Supplier, are to be paid by the Customer as a debt due and payable under the Terms of Trade.

(i)            The Customer and the Supplier agree to comply with their obligations in relation to Goods and Services Tax (GST) under the A New Tax System (Goods and Services Tax) Act 1999 and any other applicable legislation governing GST.

7.            Additional Charges

(a)          The Supplier may require the Customer to pay Additional Charges in respect of Costs incurred by the Supplier as a result of reliance on inadequate or incorrect information or material provided by the Customer or information or material supplied later than required by the Supplier in order for it to provide the Goods or Services within the specified time frame (if any).

(b)          The imposition of Additional Charges may also occur as a result of cancellation by the Customer of an Order where cancellation results in Loss of the Supplier, storage costs for goods not collected from the Supplier within 2 weeks of the date on which the Customer is notified by the Supplier that the Goods available for collection, couriers, packing and handling, Government or council taxes or charges, additional work required by the Customer or any other occurrence which causes the Supplier to incur costs in respect of the Customer’s Order additional to the quoted cost.

 

8.            Acceptance of Goods

If the Customer fails to advise the Supplier in writing of any fault in Goods or failure of Goods to accord with the Customer’s Order upon collection or delivery the Customer is deemed to have accepted the Goods and to have accepted that the Goods are not faulty and accord with the Customer’s Order. Nothing in this paragraph affects the Customer’s rights for any alleged failure of a guarantee under the Australian Consumer Law.

 

9.            Title and risk

(a)          Risk in Goods passes to the Customer immediately upon collection / delivery.

(b)          Property in Goods supplied to the Customer pursuant to these Terms of Trade does not pass to the Customer until all money (including money owing in respect of other transactions between the Supplier and the Customer) due and payable to the Supplier by the Customer have been fully paid.

(c)          Where Goods are supplied by the Supplier to the Customer without payment in full of all moneys payable in respect of the Goods and any Services provided by the Supplier in respect of those Goods, the Customer:

(i)            is a bailee of the Goods until property in them passes to the Customer;

(ii)           irrevocably appoints the Supplier its attorney to do all acts and things necessary to ensure the retention of title to goods including the registration of any security interest in favour of the Supplier with respect to the Goods under applicable law;

(iii)          must be able, upon demand by the Supplier, to separate and identify as belonging to the Supplier Goods supplied by the Supplier from other goods which are held by the Customer;

(iv)          must not allow any person to have or acquire any security interest in the Goods;

(v)           agrees that the Supplier may repossess the Goods if payment is not made within 14 days (or such longer time as the Supplier may, in its complete discretion, approve in writing) of the supply of the Goods; and

(vi)          the Customer grants an irrevocable licence to the Supplier or its agent to enter the Customer’s premises in order to recover possession of Goods pursuant to this paragraph. The Customer indemnifies the Supplier in respect of any damage to property or personal injury which occurs as a result of the Supplier entering the Customer’s premises.

(d)          Where Goods are supplied by the Supplier to the Customer without payment in full of all moneys payable in respect of the Goods and any Services provided by the Supplier in respect of those Goods, and the Customer makes a new object from the Goods, whether finished or not, or the Customer mixes the Goods with other goods or the Goods become part of other goods (New Goods), the Customer agrees with the Supplier that the ownership of the New Goods immediately passes to the Supplier. The Customer will hold the New Goods on trust for the Supplier until payment of all sums owing to the Supplier whether under these Terms of Trade or any other contract have been made and the Supplier may require the Customer to store the New Goods in a manner that clearly shows the ownership of the Supplier.

(e)          For the avoidance of doubt, under paragraph (d), the ownership of the New Goods passes to the Supplier at the beginning of the operation or event by which the Goods are converted into, are mixed with or become part of other goods.

(f)           Where Goods are supplied by the Supplier to the Customer without payment in full of all moneys payable in respect of the Goods and any Services provided by the Supplier in respect of those Goods, the Customer acknowledges that the Supplier has a right to register and perfect a personal property security interest.

(g)          If:

(i)            a PPS Law applies or commences to apply to these Terms of Trade or any transaction contemplated by them, or the Supplier determines (based on legal advice) that this is the case; and

(ii)           in the Supplier’s opinion, the PPS Law:

(A)          does or will adversely affect the Supplier’s security position or obligations; or

(B)          enables or would enable the Supplier’s security position to be improved without adversely affecting the Customer.

the Supplier may give notice to the Customer requiring the Customer to do anything (including amending these Terms of Trade or execute any new Terms and Conditions) that in the Supplier’s opinion is necessary, to the maximum possible extent, to overcome the circumstances contemplated in paragraph (ii)(A) or improve the security position as contemplated in paragraph (ii)(B). The Customer must comply with the requirements of that notice within the time specified in the notice. If having completed everything reasonably practicable as required under this paragraph, in the Supplier’s opinion the Supplier’s security position or obligations under or in connection with these Terms of Trade have been or will be materially adversely affected, the Supplier may by further notice to the Customer cancel these Terms of Trade, in which case the Customer must pay to the Supplier any money owed to the Supplier by the Customer immediately.

(h)          Where the Customer is the owner of land, realty or any other asset capable of being charged, the Customer agrees to mortgage and/or charge all of the Customer’s joint and/or several interest in the said land, realty or any other asset to the Supplier or the Supplier’s nominee to secure all amounts and other monetary obligations payable under the terms and conditions. The Customer acknowledges and agrees that the Supplier (or the Supplier’s nominee) shall be entitled to lodge where appropriate a caveat, which caveat shall be released once all payments and other monetary obligations payable hereunder have been met.

(i)            Should the Supplier elect to proceed in any manner in accordance with this clause and/or its sub-clauses, the Customer shall indemnify the Supplier from and against all the Supplier’s costs and disbursements including legal costs on a solicitor and own Customer basis.

(j)            To give effect to the provisions of subclauses 9 (h) and (i) inclusive hereof the Customer hereby irrevocably nominates, constitutes and appoints the Supplier or the Supplier’s nominee as the Customer’s true and lawful attorney to execute mortgages and charges (whether registrable or not) including such other terms and conditions as the Supplier and/or the Supplier’s nominee shall think fit in the Supplier’s absolute discretion against the joint and/or several interest of the Customer in any land, realty or asset in favour of the Supplier and in the Customer’s name as may be necessary to secure the said Customer’s obligations and indebtedness to the Supplier and further to do and perform all necessary and other acts including instituting any necessary legal proceedings, and further to execute all or any documents in the Supplier’s absolute discretion which may be necessary or advantageous to give effect to the provisions of this clause.

 

10.        Intellectual Property Rights

(a)          The Customer warrants that it owns all Intellectual Property Rights pertaining to its Order for Goods or Services or has a licence to authorise the Supplier to reproduce or use all copyright works or other materials the subject of Intellectual Property Rights supplied by the Customer to the Supplier for the purposes of the Order. Further, the Customer indemnifies and agrees to keep indemnified the Supplier against all Losses incurred by the Supplier in relation to or in any way directly or indirectly connected with any breach of any other Intellectual Property Rights in relation to any material supplied by the Customer.

(b)          Unless specifically agreed in writing between the Supplier and the Customer, all Intellectual Property Rights in any works created by the Supplier on behalf of the Customer vest in and remain the property of the Supplier.

(c)          Subject to payment of all invoices due in respect of the Goods or Services, the Supplier grants to the Customer a perpetual, non-exclusive licence to use the works created or produced by the Supplier in connection with the provision of Goods or Services under these Terms of Trade for the purposes contemplated by the Order.

 

11.        Agency and assignment

(a)          The Customer agrees that the Supplier may at any time appoint or engage an agent to perform an obligation of the Supplier arising out of or pursuant to these Terms of Trade.

(b)          The Supplier has the right to assign and transfer to any person all or any of its title, estate, interest, benefit, rights, duties and obligations arising in, under or from these Terms of Trade provided that the assignee agrees to assume any duties and obligations of the Supplier owed to the Customer under these Terms of Trade.

(c)          The Customer is not to assign, or purport to assign, any of its obligations or rights under these Terms of Trade without the prior written consent of the Supplier.

 

12.        Default by Customer

(a)          Each of the following occurrences constitutes an event of default:

(i)            the Customer breaches or is alleged to have breached these Terms of Trade for any reason (including, but not limited to, defaulting on any payment due under these Terms of Trade) and fails to remedy that breach within 14 days of being given notice by the Supplier to do so;

(ii)           the Customer, being a natural person, commits an act of bankruptcy;

(iii)          the Customer, being a corporation, is subject to:

(A)          a petition being presented, an order being made or a meeting being called to consider a resolution for the Customer to be wound up, deregistered or dissolved;

(B)          a receiver, receiver and manager or an administrator under Part 5.3A of the Corporations Act 2001 being appointed to all or any part of the Customer’s property and undertaking;

(C)          the entering of a scheme of arrangement (other than for the purpose of restructuring);

(D)          any assignment for the benefit of creditors;

(iv)          the Customer purports to assign its rights under these Terms of Trade without the Supplier’s prior written consent; or

(v)           the Customer ceases or threatens to cease conduct of its business in the normal manner.

Where an event of default occurs, except where payment in full has been received by the Supplier, the Supplier may:

(vi)          terminate these Terms of Trade;

(vii)        terminate any or all Orders and credit arrangements (if any) with the Customer;

(viii)       refuse to deliver Goods or provide further Services;

(ix)          pursuant to clause 9(c), repossess and re-sell any Goods delivered to the Customer, the payment for which has not been received; or

(x)           retain (where applicable) all money paid on account of Goods or Services or otherwise.

(b)          In addition to any action permitted to be taken by the Supplier under paragraph (b), on the occurrence of an event of default all invoices will become immediately due and payable.

 

13.        Termination

Once a Customer has received their first Quote from the Supplier placed their first Order which is accepted by the Supplier then these Terms of Trade (as amended) will continue to govern all Quotes provided by the Supplier and Orders placed by the Customer and Accepted by the Supplier until terminated.

 

In addition to the express rights of termination provided in these Terms of Trade, a party may terminate these Terms of Trade by giving 30 days written notice to the other party from the last legitimately placed Order.

 

14.        Exclusions and limitation of liability

(a)          The Customer expressly agrees that use of the Goods and Services is at the Customer’s risk. To the full extent allowed by law, the Supplier’s liability for breach of any term implied into these Terms of Trade by any law is excluded.

(b)          All information, specifications and samples provided by the Supplier in relation to the Goods or Services are approximations only and, subject to any guarantees under the Australian Consumer Law, small deviations or slight variations from them which do not substantially affect the Customer’s use of the Goods or Services will not entitle the Customer to reject the Goods upon delivery, or to make any claim in respect of them.

(c)          The Supplier gives no warranty in relation to the Services provided or supplied. Under no circumstances is the Supplier or any of its suppliers liable or responsible in any way to the Customer or any other person for any loss, damages, costs, expenses or other claims (including consequential damages and loss of profits or loss of revenues), as a result, direct or indirect of any defect, deficiency or discrepancy in the Goods or Services including in their form, content and timeliness of deliveries, failure of performance, error, omission, defect, including, without limitation, for and in relation to any of the following:

(i)            any Goods or Services supplied to the Customer;

(ii)           any delay in supply of the Goods or Services; or

(iii)          any failure to supply the Goods or Services.

(d)          Any advice, recommendation, information, assistance or service given by the Supplier in relation to Goods and/or Services is given in good faith and is believed to be accurate, appropriate and reliable at the time it is given, but is provided without any warranty or accuracy, appropriateness or reliability. The Supplier does not accept any liability or responsibility for any Loss suffered as a result of the Customer’s reliance on such advice, recommendation, information, assistance or service.

(e)          To the fullest extent permissible at law, the Supplier is not liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the provision of or failure to provide Goods or Services, or otherwise arising out of the provision of Goods or the Services, whether based on Terms of Trade, negligence, strict liability or otherwise, even if the Supplier has been advised of the possibility of damages.

(f)           The Australian Consumer Law may give to the Customer certain guarantees. Where liability for breach of any such guarantee can be limited, the Supplier’s liability (if any) arising from any breach of those guarantees is limited with respect to the supply of Goods, to the replacement or repair of the Goods or the costs of resupply or replacement of the Goods or with respect to Services to the supply of Services again or cost of re-supplying the Services again.

 

15.        Indemnity

(a)          The Customer indemnifies and keeps indemnified the Supplier, its servants and agents in respect of any claim or demand made or action commenced by any person (including, but not limited to, the Customer) against the Supplier or, for which the Supplier is liable, in connection with any Loss arising from or incidental to the provision of Goods or Services, any Order or the subject matter of these Terms of Trade including, but not limited to any legal costs incurred by the Supplier in relation to meeting any claim or demand or any party/party legal costs for which the Supplier is liable in connection with any such claim or demand. This provision remains in force after the termination of these Terms of Trade.

16.        Force majeure

(a)          If circumstances beyond the Supplier’s control prevent or hinder its provision of the Goods or Services, the Supplier is free from any obligation to provide the Goods or Services while those circumstances continue. The Supplier may elect to terminate this agreement or keep the agreement on foot until such circumstances have ceased.

(b)          Circumstances beyond the Supplier’s control include, but are not limited to, unavailability of materials or components, strikes, lockouts, riots, natural disasters, fire, war, acts of God, Government decrees, proclamations or orders, transport difficulties and failures or malfunctions of computers or other information technology systems.

 

17.        Lifetime warranty of VermicuHIDE

(a)          The VermicuHIDE process is one of the Goods and Services that the Supplier supplies.

(b)          The Supplier provides a lifetime warranty that the VermicuHIDE process will not detach or delaminate from the surface to which the VermicuHIDE process has been directly applied to. Any  detachment of the surfaces that the VermicuHIDE process has been applied to from any other substrates are expressly not covered by this warranty.

(c)          The VermicuHIDE process specifically changes a textured surface into a smooth one and makes no claim to “flattening” or “levelling” the existing surface. Existing ceilings are often not flat from the original construction process and can not be levelled using the VermicuHIDE system, as it is not a levelling process designed to make the ceiling completely flat. Therefore, variations of existing ceiling heights and flatness, visible or non-visible, are not covered by this warranty. 

(d)          The warranty is provided for the benefit of the Customer only and this benefit cannot be sold or assigned. The Customer’s right to the benefit of the warranty ceases once the Customer ceases to be the owner (or lessee) of the property (as the case may be) at which the Goods or Services were delivered and / or supplied by the Supplier.

(e)          The warranty strictly applies to the VermicuHIDE process supplied by the Supplier only and does not apply to any other structures, surfaces, paint or any other material that the VermicuHIDE is applied to or around or the degradation of those materials or structures including such factors as movement, water ingress or other unexpected contaminants compromising the VermicuHIDE process.   

(f)          The warranty specifically excludes any associated costs including, but not limited to furniture removal costs, cornicing, storage, cleaning or painting.

(g)           To invoke the warranty, a Customer must contact the Supplier in writing and inform them of the Defect. The Supplier will inspect the defect within 45 days. If the Supplier agrees that the defect is covered under warranty then the Supplier will undertake remedial works within a further 45 days. The Supplier will provide a quote in respect of all works that fall outside the remedial warranty works in accordance with clause 3 of these terms and conditions and these terms and conditions shall apply to that work.

 

18.        Asbestos

(a)          If the Customer requires the Supplier to supply Goods or Services at a premises that was built, or partially built, or has any construction material dating prior to 1990 then the Customer must arrange asbestos testing of the premises to a standard required by the Supplier.

(b)          The Customer must provide the Supplier with an asbestos test from a provider which is accredited under the National Association of Testing Auhtorities, Australia (NATA).

(c)          The Supplier has an arrangement with HazSure Consultants of Milton, Queensland who conduct asbestos testing. If the Customer chooses to engage HazSure for the asbestos testing through the Supplier then the Customer must:

(i)            Pay the Supplier any fee upfront which is demanded by the Supplier for the asbestos testing; and

(ii)           Follow all instructions from HazSure for taking the samples to be tested.

19.        Other matters

(a)          These Terms of Trade are governed by the laws of the state where the Supplier’s registered office is situated and each party irrevocably submits to the non-exclusive jurisdiction of the courts of such state.

(b)          These Terms of Trade and any Quotes and written variations agreed to in writing by the Supplier represent the whole agreement between the parties relating to the subject matter of these terms.

(c)          These Terms of Trade supersede all oral and written negotiations and communications by and on behalf of either of the parties.

(d)          In entering into these Terms of Trade, the Customer has not relied on any warranty, representation or statement, whether oral or written, made by the Supplier or any of its employees or agents relating to or in connection with the subject matter of these Terms of Trade.

(e)          If any provision of these Terms of Trade at any time is or becomes void, voidable or unenforceable, the remaining provisions will continue to have full force and effect.

(f)           A party’s failure or delay to exercise a power or right does not operate as a waiver of that power or right.

(g)          A notice required or permitted to be given by one party to another must be in writing to the address (or email address) shown on a Quote.

(h)          A notice or other communication is taken to have been given (unless otherwise proved) if mailed, on the second Business Day after posting; or if sent by e-mail before 4 pm on a Business Day, the next Business Day at the place of receipt.

(i)            A party may only change its postal or email address for service by giving notice of that change in writing to the other party.