Welcome to our Membership Terms and Conditions page. Yes, this is the page which is full of fine print and details that bores us all to tears; but, unfortunately, we need to have to protect us from the 1%. In a nutshell, if you’re wondering what it encompasses – it means that we don’t give anyone your details, we are fiercely protective of our members privacy. Also, If you display behaviours that contradict our code of conduct, we have the right to terminate your membership without warning. So play nice and be fair. It also includes details about your account with Chirpy.
1 Our Agreement
1.1 We provide an online community service described in clause 2 below (Chirpy Plus) to people over 55 and businesses and other persons that meet our criteria and sign up to our Membership terms (each a Member). Chirpy Plus provides:
(a) a collaborative, online community designed, primarily to assist those people over 55;
(b) a range of services to those Members that subscribe for a Chirpy Plus account;
1.4 You are responsible for deciding if you want to access or use third party apps or sites that link from the Chirpy Services. Third-party apps and sites have their own legal terms and privacy policies, and you may be giving others permission to use your information in ways we would not. Except to the limited extent, it may be required by applicable law, we are not responsible for these other sites and apps – use these at your own risk.
2 Chirpy Plus
2.1 Chirpy Plus comprises the communications and other features and services we make available to Members on our website from time to time. Currently, these features include the meeting place, members classifieds, games, Chirpy Safety Alert, Bingo and other notifications and communications, and other benefits and features available within our website to Members. We may change, alter or discontinue any component of Chirpy Plus at any time in our sole discretion without notice or explanation.
2.3 We reserve the right to limit your use of Chirpy Plus including your coins or rewards or other benefits associated with Your Account, your ability to contact other Members or your number of connections. We also reserve the right to restrict, suspend or terminate Your Account if we believe that you may be in breach of this agreement or law or are otherwise misusing Chirpy Plus.
2.4 In addition to the services described in 1.1 and 1.2, we provide a web-based application (“Safety Alert”) where you send a message to your friends or loved ones. This service does not replace the 111 or 911 emergency call services and is not an emergency SOS.
2.6 We may change, alter or discontinue any Safety Alert Service at any time in our sole discretion without notice or explanation. For as long as you use our Safety Alert Services, you consent to downloading and installing updates to our Safety Alert Services (including automatically).
2.7 You must provide certain devices, software and data connections to use the Services, which we otherwise do not supply. You are also responsible for all carrier data plan and other fees and taxes associated with your use of the Safety Alert Services.
2.8 There are important differences between Safety Alert and your mobile and fixed-line telephone and SMS services. Safety Alert does not provide monitoring or support, nor is it designed to ensure your safety or wellbeing. Safety Alert does not provide access to emergency services or emergency services providers (such as police, fire or hospital) or otherwise connect you to public safety answering points. You should ensure you can contact your relevant emergency services provider through a mobile, fixed-line telephone, or other services.
2.9 We rely on a number of third-party service providers to facilitate the Safety Alert Services. As such, we do not promise, nor are we responsible for, continuous availability of the Safety Alert Services or the successful sending or receipt of your communications when using the Safety Alert Services.
3 Your Account
3.1 You may register for a Chirpy Plus account ("Your Account") by completing and submitting the membership registration form on our website, and complying with our other requirements under this agreement and as we notify you from time to time.
3.2 You will be asked to choose a user ID and password. Your user ID must not be liable to mislead and must comply with the content rules set out in this clause 4.
3.3 Chirpy Plus is only available for use by persons that are over 55 years of age.
3.4 To use Chirpy Plus, you agree and confirm that:
(a) you are over 55 years of age;
(b) you will only have one Your Account; and
(c) you are not already restricted by us from using Chirpy Plus.
3.5 You must register for a Safety Alert account to use the Safety Alert Services (“Your Account”) using accurate data, provide your current mobile number, and if you change it, update this mobile number.
3.6 To enable your use of the Safety Alert Services, you provide us with the phone numbers of your contacts (including other Safety Alert users). You confirm that you are authorised to provide us with such numbers to allow us to provide the Safety Alert Services.
3.7 Your right to use Chirpy Plus and Safety Alert is personal to you – that means as between you and others (including your spouse) Your Account belongs to you. You acknowledge and agree that you are responsible for all activity under or arising out of Your Account. Without limiting the foregoing:
(a) You may not authorise others to use Your Account
(b) You must notify us via email to firstname.lastname@example.org immediately if you become
aware of any unauthorised use of Your Account or any unauthorised disclosure of your user ID, password or any other details of Your Account.
(c) You must not use any other person’s Chirpy Plus account or Safety Alert account unless you have that person’s express permission to do so.
(d) You must not use Your Account or your user ID for or in connection with the impersonation of any other person.
(e) You agree not to disrupt, modify or interfere with Chirpy Plus, Safety Alert our website or any associated software, hardware and servers in any way and you agree not to impede or interfere with others’ use of Chirpy Plus. You further agree not to alter or tamper with any information or materials on, or associated with, Chirpy Plus or Safety Alert.
(f) You must treat your user ID, password and all other information associated with Your Account as confidential, and you must not disclose it to any third party.
(g) Chirpy Plus servers automatically save all messages for your safety. We do not actively read our members messages/correspondence unless another member brings an issue to our attention. We then look at the messages in question and judge for ourselves, using our code of conduct and Terms and Conditions, to see whether the member in question is acting inappropriately. If we deem their messages/actions to break our criteria, they will be dealt with accordingly.
3.8 You agree to pay us the applicable fees and taxes specific to Your Account. Failure to pay amounts due will result in the termination of Your Account and we will have no liability to you in that regard. Also, you agree that:
(a) Your purchase may be subject to foreign exchange fees or differences in prices based on location.
(b) We may store and continue billing your payment method (such as your credit card) even after it has expired, to avoid interruptions in the Services we provide to you and to use to pay for other Services you may purchase from us from time to time.
(c) Your recurring payments will be charged automatically at the start of each subscription period for the fees and taxes applicable to that period. To avoid future charges, Your cancellation request must be received 48 hours before the next subscription period or renewal date
(d) All of your purchases are subject to our refund policy. We do not provide refunds on any fees or charges, including partially used periods or bank/merchant fees. Refer to paragraph
11. for specific information re cancellation of your account.
(e) We may calculate taxes payable by you based on the billing information that you provide us at the time of purchase.
4 Your Content
4.1 Our Acceptable Use Policy sets out some important guidelines and rules regarding your content, advertisements and communications that utilise any of the services we offer from time to time. It is important that you read our Acceptable Use Policy and watch for each update to that policy, to ensure that your use of Chirpy Plus complies with your obligations to us. You confirm that all works and materials (including text, graphics, images, and files) that you submit to us or our website for storage or publication under Your Account (your content) will always comply with our Acceptable Use Policy.
4.2 You may edit your content to the extent permitted using the editing functionality made available on our website.
4.3 You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to reproduce, store, adapt, publish, and distribute your content under or in respect of Your Account.
4.4 Without prejudice to our other rights under these terms and conditions, if you breach any provision of this agreement in any way, or if we reasonably suspect that you have breached this Agreement in any way, we may delete, unpublish or edit any or all of your content without liability to you. We may also moderate any or all of your content, as we determine appropriate in our sole discretion.
4.5 You must also comply at all times with our Acceptable Use Policy, which sets out some important guidelines and rules regarding your content and communications that utilise any of the services we offer from time to time.
4.6 Chirpy Coins. We may change the redemption and distribution values of Chirpy Coins at any time without notice. The most up to date values of Chirpy Coins will be shown on the Chirpy Coin page on the Chirpy website for members. When you wish to redeem your Chirpy Coins as per these values, we will remove the number of redeemed Chirpy Coins from your account at a convenient time after we have sent you your requested voucher.
5 Other content, sites and apps
5.1 By using Chirpy Plus, you may encounter content or information that might be inaccurate, incomplete, delayed, misleading, illegal, offensive or otherwise harmful. We generally do not review content provided by our Members or others. You agree that we are not responsible for others’ (including other Members’) content or information. We cannot always prevent this misuse of our services, and you agree that we are not responsible for any such misuse.
5.2 You are responsible for deciding if you want to access or use third party apps or sites that link from our website. Third party apps and sites have their own legal terms and privacy policies, and you may be giving others permission to use your information in ways we would not. Except to the limited extent, it may be required by applicable law, we are not responsible for these other sites and apps – use these at your own risk.
6.1 Chirpy will run various competitions at various times and can close off any competition at any time.
6.2 Each competition will have their own Terms and Conditions.
7 Ownership and branding
7.1 As between the parties, we own all Intellectual Property Rights in every aspect of Chirpy Plus and SOS, including in respect of the Trade Marks, our website, and any documents or materials we may provide (Chirpy Plus Materials and Our Materials).
7.2 We hereby grant to you a non-exclusive, sub-licensable, perpetual, royalty-free licence to use our Intellectual Property Rights to the extent necessary for the sole purpose of using Chirpy Plus and Safety Alert in accordance with this agreement. Other than as expressly granted by this agreement, you acquire no rights in or to Chirpy Plus or Safety Alert.
7.3 You must use reasonable endeavours to prevent any infringement of our Intellectual Property Rights and you must promptly report to us any such infringement that comes to your attention.
7.4 You consent to us referring to you and this agreement in any publicity or advertising material. You hereby grant to us a non-exclusive, sub-licensable, perpetual, royalty-free licence to use your business name and trademarks in the Chirpy Plus Material or Our Materials.
8 Confidentiality and Publicity
8.1 Each party undertakes not to use the other party’s Confidential Information other than to exercise and perform its rights and obligations under this agreement (Permitted Purposes).
8.2 In relation to your Confidential Information:
(a) we will treat as confidential all of your Confidential Information supplied under this agreement. We will not divulge any such Confidential Information to any person, except to our own employees and then only to those employees who need to know it for the Permitted Purposes. We will ensure that our employees are aware of, and comply with, this clause 8; and
(b) we may provide any subcontractor with such of your Confidential Information as it needs to know for the Permitted Purposes, provided that such subcontractor has first entered into a written obligation of confidentiality owed to us in terms similar to clause 8.2.
8.3 In relation to our Confidential Information:
(a) you must treat as confidential all of our Confidential Information (wherever it may be contained or embodied, and however it may be supplied to you);
(b) you must not, without our prior written consent, divulge any part of our Confidential Information to any person other than your employees who need to know it for the Permitted Purposes;
(c) you undertake to ensure that the persons mentioned in clause 8.3(b) are made aware, before the disclosure of any part of our Confidential Information, that the same is confidential and that they owe a duty of confidence to you in terms similar to clause 8.3 (which you must ensure is adhered to).
8.4 The restrictions imposed by this clause 8 shall not apply to the disclosure of any Confidential Information which:
(a) is now in, or subsequently comes into, the public domain other than as a result of a breach of this clause 8;
(b) before any negotiations or discussions leading to this agreement, was already known by the receiving party and was not obtained or acquired in circumstances of confidentiality; or
(c) is required by law or regulation to be disclosed to any person authorised to receive the same (after consultation, if practicable, with the disclosing party to limit the disclosure to the extent necessary).
8.5 Any infringement of Chirpy Plus IP, including the copying of our branding, imagery, marketing, themes could face financial penalties up to $20,000 plus legal fees.
9.2 The personal information we collect may include information about people who are Members, employees, directors or principals of yours. We ask you to help us to make sure that these people are aware that our arrangements with you may involve the collection of personal information about them.
9.3 You will be added to Chirpy Plus newsletter subscriber list so we can send you updates from time to time. However, you will have the ability to unsubscribe from this newsletter when you receive it.
9.4 You agree that we will provide notices to you in the following ways: (1) a notice within Chirpy Plus website or services, or (2) a message sent to the contact information you provided us (e.g., email, mobile number, physical address).
9.5 Chirpy Plus allows messaging and sharing of information in many ways, such as your profile, links to news articles, classified postings and referrals. Information and content that you share or post may be seen by other Members or visitors to our website. Where we have made settings available, we will honour the choices you make about who can see content or information.
10 Cancellation, suspension and termination of Your Account
You may cancel Your Account
10.1 Cancelling Your Account entirely: If you choose to cancel Your Account, you may do so by cancelling directly on the site.
You may also do so by notifying email@example.com. We will aim to process your cancellation request within 2 working days following receipt of your email notification. You will only be able to delete your payment method at the end of your current billing cycle. We will end the corresponding billing at the end of your current billing cycle. Refer to Paragraph 3 regarding our no refund policy and cancelling in time before your next billing cycle starts. i.e. if you wish the support team at Chirpy to cancel your account, you must email firstname.lastname@example.org at least 2 working days before your next billing cycle begins.
Material default by a party
10.2 A party will be in material default under this agreement if:
(a) it fails to properly or promptly perform any material obligation under this agreement that is incapable of remedy;
(b) it fails to properly or promptly perform any material obligation under this agreement that is capable of remedy, but fails to remedy that failure within 10 working days of receiving written notice (inclusive of the date of receipt) from the other party requiring the failure to be remedied;
(c) it suspends or ceases its primary, or all of its, business activities for more than five consecutive working days;
(i) goes into receivership or has a receiver, trustee and manager (or either of them) (including a statutory manager) appointed in respect of all or any of its property;
(ii) is unable to pay its debts as they fall due, or is presumed to be unable to pay its debts as they fall due, in terms of Applicable Companies Law (whether or not that party is incorporated under that Applicable Companies Law); or
(iii) makes an assignment for the benefit of, or enters into or makes any arrangement or composition with, its creditors;
(e) any resolution is passed or any proceeding is commenced for its winding up or liquidation (whether on a voluntary or involuntary basis); or
(f) any event analogous to those listed in paragraphs 9.2.(d)(i), (d)(ii) or (d)(iii) occurs.
11 Right to suspend or terminate
11.1 If a party is in material default as specified in clause 10.2, the other party may terminate this agreement by written notice.
11.2 Without prejudice to our other rights under this agreement, if you breach this agreement in any way, or if we reasonably suspect that you have breached this Agreement in any way, we may:
(a) send you one or more formal warnings;
(b) temporarily suspend your access to our website or Your Account;
(c) permanently prohibit you from accessing our website or Your Account;
(d) block computers using your IP address from accessing our website or Your Account;
(e) contact any or all of your internet service providers and request that they block your access to our website;
(f) commence legal action against you, whether for breach of contract or otherwise; and/or
(g) suspend or delete Your Account.
11.3 Where we suspend or prohibit or block your access to our website or Your Account, you must not take any action to circumvent such suspension or prohibition or blocking (including creating and/or using a different Chirpy Plus account).
11.4 If a Force Majeure Event under clause 14.1 continues for more than 15 consecutive working days, or for an aggregate of 30 working days in any six month period, then the party not claiming the benefit of the Force Majeure Event will be entitled to terminate this agreement.
11.5 Either party may cancel Your Account and/or terminate this agreement at any time, for any or no reason. Where you wish to cancel Your Account, you may do so by notifying cancellation by email to email@example.com. We will aim to process your cancellation request within 2 working days following receipt of your email notification. Refer to paragraphs 4.8 c) and d) and 11.1
Access to all accumulated Chirpy Points and other points and credits accrued to Your Account will be lost on termination of your Account and cannot be granted back to you.
Consequences of termination
11.6 On lawful termination of this agreement:
(a) you will cease using the Chirpy Plus Materials and all other Intellectual Property Rights of ours;
(b) each party will promptly return to the other party all other property and items provided to that party for the purposes of this agreement; and
(c) you must not solicit any Members for any purpose that may be adverse to our business interests.
Survival of rights and remedies
11.7 Termination of this agreement will not affect:
(a) any party pursuing whatever rights and remedies that may be available to it under this agreement, at law or in equity as a result of such termination which accrued up to and including the termination date; and
(b) the provisions of this agreement which expressly, or by their nature, survive termination, including clause 5 (Your Content), clause 7 (Ownership and branding), clause 8 (Confidentiality and Publicity), clause 10.2 (Suspension and termination), clause 12 (Our liability) and clause 14 (General).
12 Important Confirmations
12.1 You represent and warrant to us that:
(a) you have full power and capacity to execute, deliver and perform your obligations under this agreement;
(b) you have not taken any action, nor have any other steps been taken or legal steps been commenced or threatened against you, for your liquidation, dissolution or re-organisation; and
(c) you will at all times comply with all applicable laws and regulations with respect to your activities.
12.2 You hereby indemnify us against all liabilities, costs, expenses, damages and losses suffered or incurred by us arising out of any non-compliance by you with clause 10.1.
13 Our liability
13.1 We do not warrant or make any representation regarding the use or promotion, or the results of the use or promotion, of Chirpy Plus, Safety Alert or regarding the acts or omissions of Members. Except as otherwise set out in this agreement, we expressly disclaim all warranties, express and implied to the fullest extent permitted by law. Without limiting the foregoing, although efforts are made to ensure Chirpy Plus Material, and Our Material on our website is current, complete and accurate, to the extent permitted by law:
(a) Chirpy Plus, Chirpy Plus Material, and Our Material is provided without any guarantees, conditions or warranties, express or implied;
(b) we exclude all representations and warranties relating to the subject matter of this agreement, Chirpy Plus, Safety Alert, our website and the use of our website, and the acts or omissions of Members;
(c) save to the extent that this agreement expressly provides otherwise, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of Chirpy Plus website services, Safety Alert or our website.
13.2 We will not in any circumstances be liable whether in contract, tort (including for negligence and breach of statutory duty howsoever arising), misrepresentation (whether innocent or negligent), restitution or otherwise, for any loss (whether direct or indirect) of profits, business, business opportunities, data, information, revenue, turnover, reputation, goodwill, anticipated savings or wasted expenditure (including management time), provided always that nothing in this agreement will limit or exclude any liability:
(a) for death or personal injury resulting from negligence;
(b) for fraud or fraudulent misrepresentation; or
(c) to the extent that such limitation or exclusion is not permitted under applicable law.
13.3 Subject to clause 11.2, our total aggregate liability in contract, tort (including negligence and breach of statutory duty howsoever arising), misrepresentation (whether innocent or negligent), restitution or otherwise, arising in connection with the performance or contemplated performance of this agreement or any collateral contract shall be limited to AU$50.
13.4 You acknowledge and accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge and agree that:
(a) we are a limited liability entity;
(b) you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with this agreement (other than in respect of any liability that we may have for the acts and omissions of our officers and employees).
14.1 If any dispute arises between the parties out of or in connection with this Agreement (Dispute), either party may, by written notice to the other party, summon a meeting of the parties to the Dispute. Each party will promptly designate a representative with authority to settle the Dispute to attend the meeting(s). The authorised representatives will meet promptly as many times as necessary to discuss the matter and to negotiate in good faith to resolve the Dispute.
14.2 If the Dispute is not resolved within 10 working days of a written notice first being given pursuant to clause 13.1, the Dispute will be referred to arbitration before an arbitrator under the Arbitration Act 1996.
14.3 Nothing in this clause 13 prevents a party seeking urgent relief in a court of competent jurisdiction.
15.1 Force Majeure: Notwithstanding any other provision of this agreement, neither party will be liable for any failure or delay in complying with any obligation imposed on such party under this agreement if:
(a) the failure or delay is due to a Force Majeure Event;
(b) that party, on becoming aware of the Force Majeure Event, promptly notifies the other party in writing of the nature of, the expected duration of, and the obligation(s) affected by, the Force Majeure Event; and
(c) that party uses its best endeavours to mitigate the effects of the Force Majeure Event and perform that party’s obligations on time despite the Force Majeure Event,
in each case without limiting clause 9.5.
15.2 No partnership: Nothing in this agreement shall establish any partnership or joint venture between any of the parties, constitute a party the agent of the other party or authorise a party to make or enter into any commitments for the other party, except as expressly authorised by you or us (as the case may be).
15.3 Enforceability: If any part of this agreement is held by any court or administrative body of competent jurisdiction to be illegal, void or unenforceable, that determination shall not impair the enforceability of the remaining parts of this agreement.
15.4 Notices: All notices to be given under this agreement may be in writing and delivered by hand, registered mail or e-mail (provided the notice is attached to the e-mail as a pdf document) to the relevant party at the addresses specified on the front page of this agreement. Receipt will be deemed to have occurred:
(a) for hand delivery, at the time of actual delivery to the recipient’s address;
(b) for registered mail, 3 working days after posting;
(c) for e-mailed pdf documents, the earlier of the sender’s receipt of confirmation of successful delivery, or one day after the e-mail first leaves the sender’s network for delivery to the recipient’s address (provided the sender does not receive any indication of failure or delay in delivery within one day after that dispatch).
15.5 Compliance with laws: Each party will, in performing its obligations under and in connection with this agreement, comply with all relevant legislation and other laws.
15.6 Costs: Each party will pay its own costs of and incidental to the negotiation, preparation, execution and enforcing, or attempting to enforce, this agreement.
15.7 Further assurances: Each party will make all applications, execute all documents and do all acts and things reasonably required to implement and to carry out its obligations under this agreement.
15.8 Assignment: This agreement is personal to you. You must not (directly or indirectly) assign, novate, transfer or otherwise dispose of any of your rights under or interest in, or any of your obligations or liabilities under, or in connection with, or arising out of, this agreement except with our prior written consent.
15.10 Rights cumulative: All rights and remedies of the parties, under this agreement, in law or at equity, are cumulative and may be exercised concurrently or separately. The exercise of one remedy is not an election of that remedy to the exclusion of other remedies.
15.11 Governing law: This agreement is governed by, and construed in accordance with, the laws of New Zealand and Australia, and the parties submit to the non-exclusive jurisdiction of the New Zealand and Australian courts.
15.12 Statutory and Regulatory Disclosures: Chirpy Plus Limited is registered in New Zealand.
15.13 Our Details: You can contact us by writing to firstname.lastname@example.org
16 Definitions and interpretation
16.1 Definitions: The following definitions apply in this agreement –
Acceptable Use Policy means our acceptable use policy found here (and also linked at the bottom menu on our website), as updated from time to time.
Applicable Companies Law means in New Zealand the Companies Act 1993 and in Australia the Corporations Act 2001 (Cth).
Applicable GST Law means in New Zealand the Goods and Services Tax Act 1985 and in Australia the A New Tax System (Goods and Services Tax) Act 1999 (Cth).
Applicable Privacy Law means in New Zealand the Privacy Act 1993 and in Australia the Privacy Act 1988 (Cth).
Confidential Information means information of commercial value, in whatever form or medium, which has been kept confidential by the party from whom the information originates and which has not come into the public domain during the term of this agreement in breach of any obligation of confidence, including information relating to the terms of this agreement, the Chirpy Plus programme or any of its constituent parts, or any such parts, commercial or technical know-how, technology, information pertaining to business operations and strategies, and information pertaining to Members, pricing and marketing.
Dispute has the meaning set out in clause 13.1.
Force Majeure Event means an event or occurrence:
(a) which is beyond our or your (as the case may be) reasonable control; and
(b) which we or you (as the case may be) could not have taken reasonable measures to prevent,
but will not include strikes, lock-outs or any other form of a labour dispute or any other form of delay caused by contractual or labour relations with personnel or suppliers, or inability to perform due to lack of funds.
GST means goods and services tax, payable in accordance with Applicable GST Law.
Intellectual Property Rights means trademarks, rights in domain names, copyright, patents, registered designs, circuit layout, rights in computer software, databases and lists, rights in inventions, confidential information, know-how and trade secrets and all other intellectual property, in each case whether registered or unregistered (including applications for the grant of any of the foregoing) and all rights or forms of protection having equivalent or similar effect anywhere in the world, including the goodwill associated with the foregoing and all rights of action, powers and benefits in respect of the same.
Minimum Age means 55 years old (or such other minimum age as the law requires in order for us to provide Chirpy Plus to you without parental consent) or older.
our website means the Chirpy Plus website located at chirpyplus.com.au and at chirpyplus.co.nz
Paid Service has the meaning set out in clause 4.8.
Permitted Purpose has the meaning set out in clause 8.1.
Your Account has the meaning set out in clause 4.1.
Your content has the meaning set out in clause 5.1.
Trade Marks means our trademarks used in connection with Chirpy Plus, including the words “Chirpy Plus” and associated logos and devices.
Working day means a day other than a Saturday, Sunday or public holiday in New Zealand or Australia when banks are open for business.
Chirpy Plus has the meaning set out in the recitals on the front page of this agreement.
Chirpy Plus Materials has the meaning set out in clause 7.1.
15.2 Interpretation: In this agreement, unless the context indicates otherwise:
(a) Words in the singular include the plural and those in the plural include the singular.
(b) References to including or includes shall be deemed to have the words “without limitation” inserted after them.
(c) Except where a contrary intention appears, a reference to a clause, Schedule or annex is a reference to a clause of, or Schedule or annex to, this agreement.
(d) Writing or written includes faxes but neither e-mail nor any other form of electronic communication, except where expressly provided to the contrary.