While availing any of the payment method/s offered on Hi Life, we will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to You due to:
I. Lack of authorization for any transaction/s; or
II. Exceeding the preset limit mutually agreed by You and between your "Bank/s"; or
III. Any payment issues arising out of the transaction, or
IV. Decline of transaction for any other reason/s.