12. Limitation of Liability
Our liability to you under our Contract shall be limited. This shall apply to matters raised against us both in contract and fort.
The limit of our liability shall be equal to the amount payable by you to us in the 12 months before the date of the events giving rise to your claim against us.
However, our liability shall not be limited for those matters that we are not able to limit as dictated by the law of our Contract, and in regard to those matters, our liability shall be unlimited.