Payments by you to Henama International (Bamboo Socks) may be made through an electronic and automated collection and remittance service (the “Payment Gateway” & “Internet Banking”) hosted by Henama International’s designated bank. The Payment Gateway / Internet Banking service is provided to you in order to facilitate access to view and pay your bills / fees online. Henama International makes no representation of any kind, express or implied, as to the operation of the Payment Gateway. By accepting / agreeing to these Terms and Conditions, the User expressly agrees that his / her use of the aforesaid online payment Service is entirely at own risk and responsibility of the User.