Ayoba Connect Terms

PLEASE READ THE FOLLOWING BUSINESS TERMS CAREFULLY BEFORE USING AYOBA CONNECT. THESE BUSINESS TERMS FORM A LEGALLY BINDING AGREEMENT BETWEEN YOU AND AYOBA AND GOVERN YOUR USAGE OF AYOBA CONNECT. THESE BUSINESS TERMS INCORPORATE BY REFERENCE THE AYOBA USER TERMS AND CONDITIONS

YOU MAY SELECT TO PARTICIPATE IN ONE OF THE BELOW LIMITED OFFERS AS A FIRST TIME USER OF AYOBA CONNECT. PLEASE NOTE YOU MAY ONLY SELECT ONE FREE OFFER WHICH WILL BE FINAL. YOU WILL NOT BE ENTITLED TO PARTICIPATE IN ADDITIONAL FREE OFFERS AFTER YOU HAVE SELECTED AND UTILISED THE OFFER. AYOBA CONNECT PRICING WILL APPLY UPON EXPIRY OF WHICHEVER OFFER YOU HAVE SELECTED.

A. EBANQO OFFER

Special conditions related to the limited in time eBanqo offer (‘eBanqo offer’)

This is a special limited time offer made available by Ayoba until further notice, and can be withdrawn by Ayoba at any time in our discretion.
You will receive two months free access to Ayoba Connect, following your successful sign up and following of the eBanqo customer process.
Charges will apply from 1001 messages, such that messages consumed up to 1000 in this period will not be charged
You are required to announce this offer to your users, via any channels you deem appropriate. Ayoba suggests to use outbound newsletters and social media. You are requested to tag @ayoba_messaging and @eBanqo on all public messaging.

B. AYOBA OFFER Special conditions related to the limited in time ayoba offer (‘ayoba offer’)

This is a special limited time offer made available by Ayoba until further notice, and can be withdrawn by Ayoba at any time in our discretion.
You will receive one months free access to Ayoba Connect, following your successful sign up and following of the ayoba customer process.
Charges will apply from 1001 messages, such that messages consumed up to 1000 in this period will not be charged

C. CHENOSIS OFFER Special conditions related to the limited in time Chenosis offer (‘Chenosis offer’)

This is a special limited time offer made available by Ayoba until further notice, and can be withdrawn by Ayoba at any time in our discretion.
You will receive three months free access to Ayoba Connect, following your successful sign up and following of the Chenosis customer process.
Charges will apply from 1001 messages, such that messages consumed up to 1000 in this period will not be charged

Ayoba Connect Agreement

1.1. Progressive Tech Holdings (Registration No. 117490 C2/GBL) is a company incorporated under the laws of Mauritius ("Ayoba, “we", "us" or "our"), that enables rich, conversational experiences between Businesses and Business customers (who are Ayoba end-users) (“Customer(s)”) through the Ayoba business platform, comprising of features, services, and API’s designed and developed for Businesses ("Ayoba Connect").

1.2. By downloading or using Ayoba Connect, you warrant and agree that you are authorised to bind the company or business you represent (“you” and “your” or “Business”) to these Ayoba Connect terms (“Business Terms”).

1.3. We may sometimes update these Business Terms. When we do this, we will post the revised Business Terms on our website https://www.ayoba.me/web/ayoba-connect-terms?lang=en. It is your responsibility to read the updated Business Terms and understand the changes to them. If you disagree with anything in the updated Business Terms, you must not use Ayoba Connect. If you continue to use Ayoba Connect following the update, we will treat this as confirmation that you have read, understood and agreed to the updated Business Terms.

1.4. We may translate these Business Terms into multiple languages. If there are any differences between the English version and any other language version of these Business Terms, the English version will be the controlling one (to the extent this is permitted by applicable laws and regulations).

IF YOU DO NOT AGREE TO ANY OF THESE BUSINESS TERMS, YOU MUST NOT USE AYOBA CONNECT YOUR CONTINUED USE OF AYOBA CONNECT CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THESE BUSINESS TERMS.

Registration

2.1. When registering your Business account, submit to us certain information that will be used to identify and/or verify the Business which includes your valid legal Business phone number, Business name, and other information we require. You must promptly notify us of any updates to the verification information submitted You may elect to use your own front-end interface or an interface which Ayoba will make available to you.

2.2. Your Business’ account name must not: (a) be false, misleading, deceptive, or defamatory; (b) parody a third party or include character symbols, excessive punctuation, or trademark designations; or (c) infringe any trademark, violate any right of publicity, or otherwise violate anyone’s rights.

2.3. You must not have been previously suspended or removed from Ayoba Connect, or engaged in any activity that could result in suspension or removal.

2.4. We reserve the right to reclaim account names on behalf of any business or individual that holds legal claim in those names

2.5. You are responsible for all carrier data plans, Internet fees, and other fees and taxes associated with your use of Ayoba Connect.

Permitted Usage

3.1. You represent and warrant that you will use Ayoba Connect solely for commercial, business, authorised purposes, and not for personal use.

3.2. You may only contact Customers on the Ayoba App if: (a) they have given you their contact number; and/or (b) you have received opt-in permission from the User confirming that they wish to receive subsequent messages from you on the Ayoba App.

3.2.1. The opt-in must (a) clearly state that the person is opting in to receive messages from you over the Ayoba App and (b) clearly state your business name.

3.2.2. You are solely responsible for determining the method of opt-in, that you have obtained opt-in in a manner that complies with laws applicable to your communications, and that you have otherwise provided notices and obtained permissions that are required under applicable law. To help ensure a strong user experience, review the best practices suggested below.

3.2.3. Customers will see the Business account as a contact, once you are registered and start sending messages.

3.3. You understand and agree that messages between Business accounts and Customers are not end-to-end encrypted. While we do not attempt to screen or monitor Business Content and messages we may, subject to applicable law, review the Business Content you share when it violates these Business Terms and we become aware of it.

3.4. You must respect all requests (either on or off the Ayoba App) by a User to block, discontinue, or otherwise opt out of communications from you via the Ayoba App, including removing that person from your Ayoba contacts list. Once the report is fully investigated, we may suspend or terminate your access to Ayoba Connect if necessary.

3.5. We may modify, suspend, or terminate Business’ access to or use of Ayoba Connect and these Business Terms at any time and for any reason, permissible by applicable law, including if we determine, in our sole discretion, that Business violates or encourages others to violate the Business Terms, receives excessive negative feedback, or creates harm, risk, or possible legal exposure for us, our users, or others.

Prohibited Usage

4.1. You may not use Ayoba Connect to impersonate another business or entity, misrepresent your affiliation with a business or entity or otherwise mislead Customers as to the nature of your business or activity on our products.

4.2. We prohibit organisations and/or individuals engaged in terrorist or organised criminal activity from using Ayoba Connect.

4.3. We prohibit the use of Ayoba Connect to facilitate or organise criminal activity, including exploiting or causing physical, financial, or other harm to people, businesses, or animals.

4.4. We prohibit the use of Ayoba Connect for operating, buying, selling, promoting, or otherwise facilitating the exchange of illegal products or services.

4.5. We prohibit use of Ayoba Connect for buying, stalking, selling, promoting, or otherwise facilitating the exchange of certain regulated or restricted goods and services, as determined in our sole discretion, including:

4.5.1. Firearms

4.5.2. Alcohol and tobacco

4.5.3. Drugs, whether prescription, recreational, or otherwise

4.5.4. Medical and healthcare products

4.5.5. Endangered species (wildlife and plants)

4.5.6. Live non-endangered animals excluding livestock

4.5.7. Hazardous goods and materials

4.5.8. Real, virtual, or fake currency, including ICOs and binary options

4.5.9. Body parts or fluids

4.5.10. Business models, goods, items, or services that we determine maybe or are fraudulent, misleading, offensive, or deceptive, or may be or are exploitative, inappropriate, or exert undue pressure on targeted groups

4.5.11. Real-money gambling

4.5.12. Adult products and services

4.5.13. Dating services

4.5.14. Multi-level marketing

4.5.15. Payday loans, paycheck advances, P2P lending, debt collection, and bail bonds

4.6. We prohibit the use of Ayoba Connect by Political Parties, Politicians, Political Candidates, and Political Campaigns, Law Enforcement Agencies, Military Services, National Security and Intelligence Agencies.

4.7. We prohibit the use of Ayoba Connect by companies offering services related to politics, political candidates, political campaign strategy, political campaigning services, private companies that provide voting solutions and systems for elections, and exclusive government service providers.

These prohibitions apply irrespective of the global or local licenses, registrations, or other approvals your business may hold.

4.7.1. Organisations must not wrongfully discriminate or suggest a preference for or against people because of a personal characteristic, included but not limited to, race, ethnicity, color, national origin, citizenship, religion, age, sex, sexual orientation, gender identity, family status, marital status, disability, or medical or genetic condition. Organizations must comply with all applicable laws prohibiting discrimination.

4.7.2. Messages must not contain offensive content, for example sexually explicit materials or nudity, determined at our sole discretion.

4.7.3. If you use commerce catalogs on Ayoba Connect or provide any other commerce experiences to sell or otherwise facilitate the exchange of goods or services prohibited herein, then we may prohibit you from using Ayoba Connect with immediate effect.

4.7.4. Business shall not (nor assist others to) violate any applicable law, contract, intellectual property, or other third-party right, and Business is solely responsible for its conduct while using our Ayoba Connect. Business must not directly, indirectly, or through automated or other means: (a) use Ayoba Connect for personal, family, or household purposes; (b) instigate, engage in, or encourage any harassing, threatening, intimidating, predatory, or stalking conduct, or any other conduct that would be illegal or otherwise inappropriate, such as promoting violent crimes, endangering or exploiting children or others, or coordinating harm; (c) use or attempt to use another user’s account without prior authorization from that user and Ayoba; (d) impersonate or register on behalf of any person or entity or otherwise misrepresent your affiliation with a person or entity, perpetrate fraud, or publish falsehoods or misleading statements; (e) collect information of or about other users in any impermissible or unauthorized manner; (f) use Ayoba Connect other than for its intended purpose or interfere with, disrupt, negatively affect, or inhibit other users; (g) damage, disable, overburden, or impair our Ayoba Connect; (h) send, distribute, or post spam, unsolicited electronic communications, chain letters, pyramid schemes, or illegal or impermissible communications; (i) post, upload, or share any content which is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, hateful, ethnically or racially offensive, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent, or is in our sole judgment objectionable; (j) encourage or provide instructions for a criminal offense; (k) distribute any viruses, corrupted data, or other harmful, disruptive, or destructive files or content; (l) expose Ayoba or others to any type of harm or liability.

Business Content

5.1. Any information, materials, communications, correspondence and other content that is created, stored, sent, uploaded, submitted or communicated by you to your Customers via Ayoba Connect (collectively, the "Business Content").

5.2. You understand and agree that a) we will not verify or approve any Business Content, and b) we are not responsible for the suitability, accuracy, availability, correctness or completeness of any Business Content.

5.3. The views and opinions expressed by you in any Business Content do not represent our views or opinions; and we are not responsible for, and will have no liability for, any Business Content which is offensive, or which violates any laws or your rights or the rights of others.

5.4. Although we have no obligation to screen or monitor Business Content, we may, subject to applicable law, review Business Content you share when it violates these Business Terms and we become aware of it. We also need and do use information reported to us by other customers (such as when they block you or disclose your messages to us as part of a complaint) to determine whether you have breached these Business Terms.

5.5. We may take any action that we deem necessary where we identify Business Content or user behaviour that contravenes these Business Terms, including, for example, suspending or deleting Business’ access to the Ayoba Connect. We may also contact and report user behaviour information to law enforcement agencies in accordance with applicable laws.

Third-Party Services

6.1. Ayoba Connect may allow Business to access, use, or interact with websites, apps, content, and other products and services that are not provided through Ayoba Connect ("Third Party Services''). Please note that when Business uses these other Third Party Services, their own terms and privacy policies will govern Business’s use of those Third Party Services.

6.2. We provide access to these Third Party Services for convenience purposes only and we do not endorse such Third Party Services and we will not be liable or responsible for any of the services offered to you by such Third Parties. We make no representations or warranties regarding the Third Party Services and you shall use such Services, links, websites and the Third Party Services at your sole risk and agree to disclaim us from all risk or liability which you may suffer in this regard.

Commercial arrangements

7.1. You agree to pay Ayoba for access to the Ayoba Connects according to the list pricing and commercial model as set forth in our Ayoba Connect Pricing, and we will invoice you under your Ayoba Connect account.

7.2. We have the right to update the Ayoba Connect Pricing annually which will be communicated to you 30 days prior to the update, and changes to list prices and pricing rules will take effect the first day of the calendar month following such changes to the Rate Card. Fees under this Agreement may be invoiced and must be paid in USD, unless we support invoicing and receiving payment in your local currency. Fees will be settled in full and any late payments are subject to a service charge equal to the prime rate or the maximum amount allowed by law, whichever is less.

7.3. We will offer you a grace period of at least 3 (three) months, calculated from the date on which your Business account is live on the Ayoba App, which may be extended in our sole discretion for additional periods. During this grace period we will not charge you for the Ayoba Connect service.

Communications You permit Ayoba to use your contact information to send you electronic communications including: (a) notices about your account, password changes, payment authorisations, and other transactional information; (b) notices about updates to our Business Terms; and (c) information about products, services and promotions offered by Ayoba where permitted by applicable law. API documents will be shared with you through the Connect portal (accessible here https://devapi.ayoba.me/business/api-docs/). If you do not wish for Ayoba to communicate with you regarding (c) above, you may opt-out of future communications by writing to Ayoba as specified in the “Contact Us” section below.
Business Security

9.1. Business may only allow authorised individuals acting on behalf of Business to access and use its Ayoba Connect account for purposes authorised under these Business Terms.

9.2. Business is responsible for all activities occurring under its Ayoba Connect account. Business must: (a) maintain the security of its account credentials; (b) keep its devices and Ayoba Connect account safe and secure; (c) prevent unauthorized use of or access to Chat 4 Business; and (d) immediately notify us if Business discovers or suspects any security breaches related to our Ayoba Connect or if Business discovers or suspects any such unauthorised access or use.

9.3. Business will not share or ask Customers to share full length individual payment card numbers, financial account numbers, personal ID card numbers, or other sensitive identifiers.

9.4. Business will implement and follow generally recognised industry standards and best practices for data and information security to protect Business’s data, network, and systems from unauthorised access, use, or copying. 9.5. Business must promptly delete any user’s information it obtained through Ayoba Connect if we determine, in our reasonable discretion, that Business breached its obligation to protect and prevent unauthorised use or access to its devices, account, or systems, or otherwise breached these Business Terms.

Licenses and Intellectual Property

10.1. You grant us a worldwide, non-exclusive, sub-licensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and publicly perform or display Business Content that you upload, submit, store, send, or receive on or through Ayoba Connect, solely for the purposes of providing, operating, developing, promoting, updating, and improving Ayoba Connect, and researching and developing new services, features, or uses.

10.2. You represent and warrant that you have all rights necessary to grant us the license to Business Content, and that our use of it, as permitted by these Business Terms, will not violate any right of, or cause injury to, any person or entity.

10.3. Your’ Rights. Except for the license you grant to us above, you retain all ownership and other rights in and to your Business Content.

10.4. Our License to Business. Subject to your compliance with these Business Terms, we grant you a limited, revocable, non-exclusive, non-sublicensable, and non-transferable license to use Ayoba Connect solely as authorised in these Business Terms. You can only use our trademarks as expressly permitted by our Ayoba User Terms and Conditions or with our prior written permission.

10.5. Our Rights. Except for the express license granted in these Business Terms, we grant no other licenses or rights to Business by implication or otherwise. Unless otherwise indicated, we own all copyrights, trademarks, domains, logos, trade dress, trade secrets, patents, and other intellectual property rights associated with our Business Services.

10.6. Restrictions. Except as otherwise permitted by us in writing, Business must not directly, indirectly, or through automated or other means: (a) distribute, sell, resell, or rent Ayoba Connect to third parties; (b) distribute or make Ayoba Connect available over a network to be used by multiple devices at the same time, except as authorised through tools and configurations that we have expressly provided for your use via Ayoba Connect; and (c) copy, reproduce, distribute, publicly perform or display, modify, or make derivative works based upon all or portions of Ayoba Connect. Business must not directly, indirectly, or through automated or other means: (d) remove any proprietary rights notices or markings; (e) reverse engineer any aspect of Ayoba Connect or do anything that may discover source code; (f) scrape or extract data from Ayoba Connect; (g) develop or use any applications that interact with Ayoba Connect without our prior written consent; and (h) create software or APIs that function substantially the same as Ayoba Connect and offer them for use by third parties in an unauthorised manner on or utilising the Ayoba App platform or Ayoba Connect.

10.7. You indemnify us against any loss or damage that we may suffer or incur arising from or in connection with any breach by you of our intellectual property rights.

Data Practices

11.1. Your communication with Customers using Ayoba Connect is subject to the privacy policy, available at http://ayoba.me/privacy-policy which forms part of these Business Terms and is binding on you.

11.2. You understand and agree that we collect, store, and use: (a) information from your business account and registration; (b) usage, log, and functional information generated from your use of Ayoba Connect; (c) performance, diagnostics, and analytics information; (d) information related to your technical or other support requests; and (e) information about you from other sources such as other customers, businesses and third-party companies.

11.3. You agree that we may share your information, including Business Content, if we have good-faith belief that it is reasonably necessary to: (a) respond pursuant to applicable law or regulations, to legal process, or government requests; (b) enforce these Business Terms and any other applicable terms and policies, including for investigations of potential violations; (c) detect, investigate, prevent, and address fraud and other illegal activity, or security or technical issues; or (d) protect the rights, property, and safety of our users. Ayoba will never share the MSISDN of Customers with any third party. Ayoba also has no obligation to share the MSISDN of our users who are not your Customers.

Availability Ayoba Connect may be interrupted, including for maintenance, repairs, upgrades, or network or equipment failures and we make no warranties in this regard. We reserve the right to discontinue some or all of our Ayoba Connect, in our sole discretion, including certain features and the support for certain devices and platforms. Events beyond our control may affect Ayoba Connect, such as events in nature and other force majeure events.
Limitation of Liability

13.1. You must only use Ayoba Connect if you have ensured that your use of Ayoba Connect complies with all legal and statutory requirements applicable to your Business – it is your sole responsibility to determine your legal obligations. Ayoba Connect is not intended for intra-company usage. We also make no representations or warranties that Ayoba Connect meet the needs of entities regulated by laws and regulations with heightened confidentiality requirements for personal data, such as healthcare, financial, or legal services entities. Business must provide all necessary data disclosures and notices (such as maintaining a privacy policy or labelling marketing messages). Ayoba is not liable for any acts or omissions by Business that breach any applicable laws. Business must also honour and comply with all Ayoba user requests to stop or opt-out of receiving certain or all types of messages from Business. You acknowledge and agree that Ayoba users may block the Business, or report Business actions or messages to us to notify us that Business is violating our terms and policies.

13.2. Ayoba Connect is provided "as is" and on an "as available" basis with no representations or guarantees as to performance or functionality. To the fullest extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to Ayoba Connect or any information or material on it, whether express or implied, including, for example, fitness for purpose, merchantability, freedom from viruses or other contaminating or destructive properties, availability, loss of data or non-infringement.

13.3. You understand and agree that: a) communications sent over the internet are not guaranteed to be completely secure and may be subject to possible interception, monitoring, delay, disruption, loss or alteration; and (b) we are not responsible for, and will have no liability in respect of, any interception or monitoring of communications or Business Content by third parties, or any delay or failure in transmitting communications or Business Content, or loss or alteration of any communications or Business Content sent or submitted through Ayoba Connect

13.4. To the fullest extent permitted by law, our total liability to you for any losses, damages, liabilities, costs, expenses or charges, whether in contract, tort, including negligence, or otherwise in connection with Ayoba Connect and these Business Terms will not be greater than USD $50. This means that, in the event that you successfully pursue a claim against us, you will not be able to receive more than USD $50 unless the laws in your country do not allow this.

13.5. To the fullest extent permitted by law, we will not be liable to you for: a) any losses, damages, liabilities, costs, expenses (including but not limited to legal fees) or charges (whether arising in contract, tort, including negligence, or otherwise); and/or b) any indirect, special, incidental or consequential damages or losses, including (but not limited to) loss of revenue, profit, business, reputation, anticipated savings or goodwill, arising from or in connection with: a) your use or attempted use of Ayoba Connect; b) your inability to use the Ayoba Connect; c) any failure, interruption, unavailability, delay, defect, error or omission in Ayoba Connect; and/or d) any other matters arising otherwise in connection with the Ayoba Connect or these Business Terms, regardless of whether we had been advised of or were aware of the possibility of such losses or damages being incurred.

13.6. Nothing in these Business Terms limits or excludes or limits our liability for fraud or fraudulent misrepresentation, personal injury or death caused by negligence, or any other liability that cannot be limited or excluded by law.

13.7. This clause 14 (as well as every other term and condition in these Business Terms) apply to the fullest extent permitted by applicable laws. You may have additional rights under those laws, which differ or supplement the rights described above. If this is the case, nothing in this clause 14 (or anything else in these Business Terms) should be interpreted to mean that you have forfeited these rights, where the law does not allow this.

Indemnity

14.1. Business agrees to defend and indemnify us against any liabilities, costs, expenses, damages and losses (including any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties and legal and other costs and expenses (together “Claim”) suffered or incurred by us as a result of or in connection with: a) any breach by Business of these Business Terms; and/or b) any Business Content Business sends, uploads, submits or otherwise communicates using Ayoba Connect.

14.2. We have the right to solely control, and Business will fully cooperate in the defence or settlement of any Claim.

Suspension and Termination

15.1. We have the right to limit or remove your access to the Ayoba App if you use or operate a service which utilises the Ayoba App in violation of the Business Terms, such as contacting Customers at scale in an unauthorised manner.

15.2. We will give you 30 days' prior notice (unless a legal or regulatory obligation requires us to terminate the services in a shorter time frame, or you have repeatedly breached your obligations under these Business Terms) and the relevant reasons for termination (except if we are legally restricted from giving reasons or if you have repeatedly breached these Business Terms).

15.3. Business may contact us using our complaints system at support@ayoba.me. to clarify the reasons for our termination or suspension of your account.

15.4. If we are able to resolve the issue in your favour, resulting in reactivating your account, then we will reinstate Ayoba Connect to you within a reasonable time.

15.5. Upon termination, we will remove your account profile from your Ayoba Connect account, and retain data associated with your account for up to 90 days. Copies of your information may also remain after the 90 days for a limited time in the backup storage that we use to recover lost data in the event of a disaster, software error, or other data loss event.

15.6. If we terminate your account for violations of relevant Business Terms, we may prohibit you from all future use of Ayoba products and services.

Abnormal and unforeseen circumstances We are not responsible if we do not comply with any of these Business Terms, or if the Ayoba Connect malfunctions or does not operate as expected: a) due to circumstances beyond our reasonable control; or b) due to our obligations under any laws or regulations.
Confidential Information Our communications with you may contain Ayoba confidential information. Ayoba confidential information includes any of our materials, communications, and information that we provide to you or Business that are marked confidential or that would normally be considered confidential by a reasonable person under the circumstances. If you receive any such confidential information, you will not disclose it to any third party without our prior written consent. Ayoba confidential information does not include information that you independently developed, was rightfully given to you by a third-party without a confidentiality obligation, or becomes public through no fault of your own. You may disclose Ayoba confidential information when compelled to do so by law if you provide us reasonable prior notice, unless a court orders that we not receive notice.
Publicity

Except as permitted by us, Business will not make any public statements regarding these Business Terms and Business’ relationship between us. Business agrees to cooperate with us in responding to any customer, press, or governmental inquiries that either party may receive, in the manner directed by us.

Governing law

19.1. These Business Terms and any dispute or Claim (including any non-contractual disputes or claims) arising from or in connection with them, or their subject matter or formation, will be governed by and interpreted in accordance with the laws of England and Wales.

19.2. The courts of England and Wales will have exclusive jurisdiction to settle any dispute or claim (including any non-contractual disputes or claims) arising from or in connection with these Business Terms or their subject matter or formation.

19.3. Ayoba Connect will not be used in any country where such distribution or use would violate local law. We reserve the right to limit our Ayoba Connect in any country at any time, to the extent permissible by applicable law.

Additional provisions

20.1. If, for any reason, we fail to enforce any right or remedy under these Business Terms, this will not constitute a waiver of, and will not restrict in any way, our right to exercise that or any other right or remedy.

20.2. If any provision of these Business Terms is found to be illegal, void, invalid or unenforceable (in whole or in part) by any law, rule, order or regulation or by the final determination of any court of competent jurisdiction, such invalidity or unenforceability will not have an effect on the other part of that provision or the other provisions of these Business Terms which will remain in full force and effect.

20.3. Unless a mutually executed agreement between us and the Business states otherwise, these Business Terms make up the entire agreement between us and the Business regarding Ayoba Connect and supersede any prior written or oral agreements.

20.4. You may not novate, assign, cede, delegate, or otherwise transfer any of your rights or obligations under these Business Terms to anyone else without our prior written consent, and any attempt to do so is void.