1. Definitions
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2. Acknowledgement and Acceptance of Terms of Use
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3. Intellectual Property Rights
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4. Description of Services
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5. User’s Obligations
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6. Use of User Data
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7. Member Account
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8. Unused Balance
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9. Payment and Charges
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10. Modification of Terms of Use
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11. Emergency Services
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12. Content of Communications
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13. Proprietary Rights
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14. Indemnity
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15. Disclaimer of Warranties
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16. Limitation Of Liabilty
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17. Termination
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18. Notice
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19. Taxes
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20. Additional Terms for Hoiio Sms & Auto Top-up
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21. Privacy Policy
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22. General
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