IF YOU DO NOT AGREE WITH ANY PART OF OUR TERMS OF SERVICE OR OUR PRIVACY POLICY, THEN PLEASE DO NOT USE ANY OF THE SERVICES.

This Terms of Service Agreement (“Terms”) creates a legally binding agreement between you, as the user, (“You”, “Your”) and Sanem Digital RUA Limited, including its subsidiaries Sanem Digital RUA CANADA Inc, Sanem Digital RUA US LLC, Sanem Digital RUA Aotearoa Ltd, Sanem Digital RUA Australia Pty Ltd (“RUA”, “We”, “Us”, “Our”). By accessing, downloading and/or using all or any part of website, applications, products and services, and other digital platforms (the “Services”), you and anyone or any entity that you represent indicate your acceptance of these Terms. You accept and agree to these Terms and any additional terms, rules and conditions issued by RUA from time to time.

By accessing, downloading and/or using all or any part of the Services you consent to the collection, use, disclosure and other handling of information as described in our Privacy Policy.

YOU AGREE THAT BY USING THE SERVICES YOU ARE AT LEAST 18 YEARS OF AGE AND YOU ARE LEGALLY ABLE TO ENTER INTO A CONTRACT.

You represent to us that you and your financial institutions, or any party that owns or controls you or your financial institutions, are not subject to sanctions or otherwise designated on any list of prohibited or restricted parties.

The Services are licensed to you, not sold. RUA grants you a personal, limited, non-transferable, revocable and non-exclusive license to use the Services to which you have access for your non-commercial use, subject to your compliance with this Agreement. You may not access, copy, modify or distribute any element of the Services unless expressly authorised by RUA or permitted by law. You may not reverse engineer or attempt to extract or otherwise use source code or other data from the Services, unless expressly authorised by RUA or permitted by law. You may access and use the Services in accordance with this Agreement. You agree to comply with the terms of this Agreement and all laws, rules and regulations applicable to your use of the Services. If you do not agree to these Terms, you may not access, download and/or use the Services.

RUA or its licensors own and reserve all other rights, including all right, title and interest in the Services and associated intellectual property rights.