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You agree to assume all risk and liability arising from your use of these Third-Party Apps and Services and that Microsoft is not responsible for any issues arising out of your use of them.

Microsoft is not responsible for information provided by third parties.8. Unless accompanied by a separate Microsoft licence agreement (for example, if you are using a Microsoft application that is included with and a part of Windows, then the Microsoft Software Licence Terms for the Windows Operating System govern such software), and except as provided in section 13(b)(i) below for applications available through the Office Store, the Windows Store or the Xbox Store, any software provided by us to you as part of the Services is subject to these Terms.10.

All parts of these Terms apply to the maximum extent permitted by relevant law.

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Any rights not expressly granted in these Terms are reserved. Never disregard professional medical advice or delay in seeking it because of information you accessed on or through the Services. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely.

Certain software used in certain Microsoft website servers is based in part on the work of the Independent JPEG Group. Stock quotes and index data (including index values). Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

The airtime value of the bundle will be depleted from the alternative device and the bundle will be credited to this device.

Once you have Airtime, dial *141*2*999# to buy a Data Bundle. Dial *141*3*22# to transfer a MTN data bundle from an alternative device to this device.

See section 13(b) for additional terms for applications acquired through the Office Store, the Xbox Store or the Windows Store.

You should review any additional terms and privacy policies before acquiring or using any Third-Party Apps and Services. Microsoft does not license any intellectual property to you as part of any Third-Party Apps and Services.

For free or paid consumer Skype-branded Services, Luxembourg law governs the interpretation of these Terms and claims for their breach, regardless of conflict of law principles.

The laws of the province or country where you live govern all other claims (including consumer protection, unfair competition and tort claims).

It supersedes any prior agreements between you and Microsoft regarding your use of the Services.

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