You accept and acknowledge that BanQu will not be responsible for any communication failures, disruptions, errors, distortions, or delays you may experience when using the Services, however caused. We will not be responsible or liable to you for any loss, take no responsibility for, and will not be liable to you for any use of our Services, including but not limited to any loses, damages, or claims arising from: (a) user error or omissions in connection with any transaction initiated via the Services, (b) server failure or data loss, (c) unauthorized access to your account, or (d) any unauthorized third-party activities, including without limitation the use of viruses, phishing, bruteforcing, or other means of attack against the Services.</p> <p>Without limiting the foregoing, EVERYTHING ON THE SERVICES IS PROVIDED TO YOU ON AN “AS IS”, “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY AS TO THE ACCURACY, MATERIALITY, CURRENCY, COMPLETENESS, LEGAL OR GOVERNMENTAL COMPLIANCE, OR RELIABILITY OF ANY INFORMATION MADE AVAILABLE THROUGH THIS WEBSITE.