12.3 nothing in these terms shall exclude or restrict skype 's liability for -lrb- a -rrb- death or personal injury , -lrb- b -rrb- loss resulting from skype 's wilful default or gross negligence , -lrb- c -rrb- fraud or deliberate misrepresentation , or -lrb- d -rrb- any liability which can not be limited or excluded by applicable law .