Terms of Use | Transaqo

1. Introduction

These Website Terms of Use (“Terms”) govern access to and use of:

the website available at transaqo.com, including its subdomains, pages, interfaces and content;
the Transaqo platform, accounts, dashboards, control panels, application programming interfaces, software development kits, checkout components, connectors, integrations, documentation and other software or technology made available under the Transaqo name; and
related support, communications, professional interactions and technology services,

collectively, the “Services”.

“Transaqo”, “we”, “us” and “our” refer to Transaqo, the provider and operator of the Website, platform, software, technology infrastructure and related services made available under the Transaqo name.

“Website” means transaqo.com and its subdomains.

“Platform” means the software, hosted interfaces, dashboards, APIs, SDKs, connectors, routing tools, orchestration functions, reporting tools, checkout components and related technology made available by Transaqo.

“You” and “your” mean the person accessing or using the Services and, where that person acts for a company, partnership, merchant, payment service provider, platform or other organisation, that organisation.

By accessing or using any part of the Services, creating an account, clicking an acceptance button, executing an Order Form or otherwise indicating acceptance, you confirm that you have read, understood and agreed to these Terms.

You must not access or use the Services if you do not agree to these Terms.

2. Business use

The Services are designed principally for business, commercial and professional use.

You may access or use the Services only if:

you are at least 18 years old and legally capable of entering into binding obligations;
you have authority to accept these Terms on behalf of any organisation for which you act;
your access and use are permitted under the laws applicable to you; and
you are not prohibited from receiving the Services under applicable sanctions, export-control or trade-restriction laws.

When you use the Services for or on behalf of an organisation, that organisation is bound by these Terms, and you represent that you have authority to bind it.

The Services are not directed to children or intended for personal household use.

3. Global application and mandatory local law

These Terms are intended to apply globally and to reflect generally recognised principles of contract, technology, intellectual property, privacy, electronic communications and consumer-protection law.

Local mandatory requirements apply to the extent that they cannot lawfully be excluded, restricted or modified by agreement.

Nothing in these Terms excludes any right, remedy, warranty, guarantee or liability that applicable law does not permit the parties to exclude.

4. Supplementary agreements and order of precedence

Particular Services may be governed by additional terms, including:

an Order Form;
subscription or pricing terms;
a master services agreement;
a software licence agreement;
a service-level agreement;
a statement of work;
a data processing addendum;
integration-specific conditions;
acceptable-use requirements;
documentation;
product-specific terms; or
other written terms accepted by you and Transaqo.

Together, these are “Supplementary Terms”.

If there is a conflict, the following order of precedence applies unless the relevant document expressly states otherwise:

an executed Order Form or statement of work;
an executed master services agreement or software licence agreement;
a data processing addendum, for matters concerning its subject matter;
other applicable Supplementary Terms;
these Terms; and
documentation and Website content.

Supplementary Terms apply only to the Services, transaction or subject matter they govern.

A purchase order or other document issued by you does not modify these Terms or any Supplementary Terms unless Transaqo expressly accepts the modification in writing.

5. Nature of Transaqo services

Transaqo is a technology infrastructure provider.

The Services may enable customers to connect to, communicate with, route instructions to, obtain information from or manage relationships with third-party banks, acquirers, payment service providers, payment methods, technology platforms and other service providers.

Unless expressly stated in applicable Supplementary Terms, Transaqo does not provide:

banking services;
merchant acquiring;
payment accounts;
money transmission or remittance;
electronic-money issuance;
deposit-taking;
credit or lending;
investment, brokerage or trading services;
custody or safeguarding of funds;
foreign-exchange services;
card-scheme membership;
legal, tax, accounting or regulatory advice; or
any other service requiring a financial-services licence, registration or authorisation.

Transaqo does not receive, hold, own, control, possess or settle customer or end-user funds merely because transaction-related data or technical instructions are transmitted through the Platform.

Payment authorisation, acceptance, rejection, processing, clearing, settlement, chargebacks, refunds and other regulated or financial functions are performed by the applicable third-party providers under their own terms, licences, systems and regulatory responsibilities.

The availability of a technical connection does not mean that a particular third-party provider has approved you, accepted you as a customer, authorised your business model or agreed to process any transaction.

6. Accounts and authorised users

Some Services require an account.

You must provide accurate, complete and current account information and keep it updated.

You are responsible for:

maintaining the confidentiality and security of account credentials, API keys, signing secrets, tokens and authentication devices;
ensuring that credentials are used only by authorised persons;
maintaining appropriate access controls and user permissions;
promptly disabling access for persons who are no longer authorised;
reviewing account activity and security notifications;
ensuring that authorised users comply with these Terms; and
all activities performed through your account, except to the extent caused directly by Transaqo’s breach of an applicable obligation.

Accounts and credentials are personal to the authorised user or customer and must not be sold, transferred, shared publicly or made available to unauthorised persons.

You must promptly notify security@transaqo.com if you suspect:

unauthorised access;
compromised credentials;
disclosure of an API key or signing secret;
misuse of an account;
a security vulnerability; or
any activity that could affect the security or integrity of the Services.

Transaqo may require credential rotation, multi-factor authentication, identity or authority verification, or other reasonable security measures.

7. Licence and permitted use

Subject to these Terms, applicable Supplementary Terms and payment of applicable fees, Transaqo grants you a limited, revocable, non-exclusive, non-transferable and non-sublicensable right to access and use the Services during the applicable service period for your lawful internal business purposes.

This right does not transfer ownership of any software, source code, documentation, interface, design, technology, method, database or intellectual property.

You may permit authorised employees, contractors and service providers to use the Services on your behalf, provided that:

their use is necessary for your permitted business purposes;
they are subject to confidentiality and security obligations at least as protective as those applicable to you;
you remain responsible for their acts and omissions; and
their use does not exceed the rights granted to you.

All rights not expressly granted are reserved by Transaqo and its licensors.

8. Acceptable use

You must use the Services lawfully, responsibly and in accordance with these Terms, Supplementary Terms and documentation.

You must not, directly or indirectly:

use the Services for unlawful, fraudulent, deceptive, abusive or malicious activity;
facilitate transactions, products or services prohibited by applicable law or applicable third-party provider rules;
interfere with the availability, integrity, performance or security of the Services;
introduce malware, ransomware, malicious code, harmful data or automated attacks;
conduct denial-of-service activity;
probe, scan or test vulnerabilities without prior written authorisation;
bypass access controls, rate limits, authentication mechanisms, consent mechanisms or technical restrictions;
access accounts, systems or data without authorisation;
reverse engineer, decompile, disassemble or attempt to derive source code, trade secrets, algorithms or non-public interfaces, except to the limited extent that applicable law expressly permits and does not allow the restriction to be waived;
copy, modify, translate, adapt, create derivative works from, distribute, sell, lease, sublicense or commercially exploit the Services except as expressly authorised;
remove or obscure copyright, trademark, attribution, proprietary or legal notices;
use the Services to create, train, test or improve a competing product or service without prior written authorisation;
scrape, crawl, harvest or systematically extract Website content, account information or personal information, except through an expressly authorised API;
use automated means in a manner that imposes an unreasonable or disproportionately large load on the Services;
impersonate another person or organisation;
misrepresent your identity, authority, regulatory status, relationship with Transaqo or relationship with a third party;
submit false, misleading, defamatory, infringing or unlawful information;
transmit data you are not authorised to transmit;
use the Services to send unsolicited or unlawful communications;
use the Services in violation of sanctions, export-control, anti-bribery, anti-corruption, anti-money-laundering or counter-terrorist-financing laws applicable to you;
use the Services in a way that creates an unreasonable security, legal, regulatory or reputational risk; or
assist or permit another person to do any of the foregoing.

Transaqo may publish or update additional acceptable-use requirements for particular Services.

9. Customer responsibilities

You are solely responsible for:

your business model, products, services and commercial activities;
your choice, configuration and use of payment providers and integrations;
obtaining and maintaining required licences, registrations, approvals and contractual permissions;
compliance with laws, card-scheme rules, payment-provider rules and industry standards applicable to you;
obtaining valid rights, notices and consents for data submitted to the Services;
configuring routing, cascading, retry, fraud, authentication and other rules;
assessing the legality and appropriateness of each transaction;
the accuracy and completeness of instructions, credentials and configuration data;
the acts and omissions of your authorised users;
maintaining your own business-continuity, backup and incident-response arrangements;
reviewing outputs before relying on them; and
independently determining whether the Services are suitable for your requirements.

Transaqo does not determine whether your activities are lawful, licensed, regulated or compliant merely by providing access to technology.

You must not describe Transaqo as your bank, acquirer, payment institution, money transmitter, fiduciary, custodian, regulator, agent or financial adviser unless a separate written agreement expressly establishes that relationship.

10. Customer Data

“Customer Data” means data, records, files, content, instructions, configurations, credentials and other information submitted to or processed through the Services by or for you, excluding Transaqo technology, system-generated operational data and information independently obtained by Transaqo.

As between you and Transaqo, you retain your rights in Customer Data.

You grant Transaqo a non-exclusive, worldwide right to host, copy, transmit, process, display, modify in technical form and otherwise use Customer Data only as reasonably necessary to:

provide, maintain and secure the Services;
follow your instructions;
perform applicable agreements;
prevent fraud, misuse and security incidents;
comply with law;
enforce legal rights; and
create aggregated or anonymised information that no longer identifies you or an individual.

You represent and warrant that:

you have all rights, permissions and lawful grounds required to provide and process Customer Data;
Customer Data and its use as instructed by you do not violate law or third-party rights;
required privacy notices have been provided;
required consents have been obtained;
your instructions are lawful; and
Customer Data does not contain prohibited or unnecessary information.

Transaqo does not acquire ownership of Customer Data through these Terms.

11. Personal data processed on behalf of customers

Where Transaqo processes personal data solely on behalf of a customer, the customer ordinarily acts as controller, business or equivalent responsible organisation, and Transaqo acts as processor, service provider, contractor or equivalent recipient.

Such processing is governed by:

the customer’s documented instructions;
applicable Supplementary Terms;
any applicable data processing addendum; and
applicable data protection law.

The customer is responsible for determining the lawful basis, purposes, retention requirements and content of notices relating to that processing.

Transaqo may process personal information for its own legitimate operational, security, contractual, legal and business purposes as described in the Privacy Policy. For such purposes, Transaqo acts as controller, business, organisation or equivalent responsible party.

Depending on the selected configuration and integrations, the Services may process or transmit payment-related technical information, including:

merchant or transaction references;
amounts and currencies;
status information;
provider identifiers;
payment-method information;
tokens;
masked account or card details;
authentication results;
routing information;
fraud and risk signals;
provider responses; and
related technical metadata.

You must not submit full payment-card data, card security codes, bank login credentials, private encryption keys or other highly sensitive authentication information except through a component expressly designated and documented for that purpose.

You are responsible for determining whether your configuration is subject to payment-card, security, banking-secrecy or other industry requirements.

You must comply with all applicable standards and contractual requirements, including any applicable Payment Card Industry Data Security Standard obligations.

The technical transmission of payment-related information does not cause Transaqo to receive, hold or control the underlying funds.

13. Third-party services and integrations

The Services may connect to or interoperate with third-party services.

Third-party services are governed by the third party’s own:

agreements;
privacy policies;
technical requirements;
pricing;
service levels;
eligibility criteria;
compliance requirements; and
operating rules.

You are responsible for obtaining and maintaining any third-party account, contract, credential, approval or licence required for an integration.

You authorise Transaqo to exchange data with a selected third party as reasonably necessary to provide the requested integration.

Transaqo is not responsible for:

a third party’s acts or omissions;
approval or rejection of your account;
transaction acceptance or decline;
settlement, reserves or chargebacks;
third-party pricing or fees;
changes to a third-party API;
interruption or withdrawal of third-party services;
a third party’s data handling;
regulatory actions affecting a third party; or
the accuracy of information supplied by a third party.

References to third-party providers do not guarantee the continuing availability, certification or production readiness of an integration.

Transaqo may add, change, suspend or discontinue an integration where reasonably necessary because of technical, contractual, security, legal, regulatory or third-party changes.

14. APIs, SDKs and documentation

Use of APIs, SDKs, connectors and technical documentation is subject to these Terms and any product-specific Supplementary Terms.

You must:

protect API credentials and signing secrets;
use only documented or authorised endpoints;
comply with rate limits and security requirements;
validate responses and handle errors appropriately;
maintain appropriate retry and idempotency controls;
avoid excessive or abusive requests;
implement updates reasonably required for compatibility or security; and
promptly discontinue use of deprecated or withdrawn interfaces when instructed.

Documentation, examples and sample code may contain simplified assumptions and must be independently reviewed and tested for your implementation.

Transaqo may update APIs, SDKs and documentation. Where reasonably practicable, Transaqo will provide notice of material incompatible changes through the Website, account, documentation or applicable communication channel.

15. Availability, maintenance and changes

Transaqo may maintain, update, enhance, modify or replace the Services.

Temporary interruption may occur because of:

scheduled or emergency maintenance;
security requirements;
infrastructure failure;
telecommunications failure;
third-party service interruption;
legal or regulatory requirements;
abuse prevention;
events beyond reasonable control; or
deployment of fixes and updates.

Any service levels or support commitments apply only if stated in applicable Supplementary Terms.

Transaqo may change or discontinue features where reasonably necessary, taking into account applicable contractual obligations.

16. Fees, taxes and payment

Fees, billing periods, usage limits, payment terms and renewal conditions are stated in the applicable Order Form, pricing page, account interface or Supplementary Terms.

Unless otherwise stated:

fees are stated exclusive of applicable taxes;
you are responsible for sales, use, value-added, withholding and similar taxes, excluding taxes based on Transaqo’s net income;
fees are non-refundable except where required by law or expressly agreed;
usage exceeding an agreed allowance may be charged at the applicable rate;
overdue amounts may result in suspension or termination; and
you must provide accurate billing information.

Where tax withholding is legally required, you must provide appropriate documentation and cooperate in applying any available exemption or reduced rate.

17. Confidentiality

“Confidential Information” means non-public information disclosed by one party to the other that is marked confidential or that a reasonable person would understand to be confidential in the circumstances.

Confidential Information does not include information that the recipient can demonstrate:

was lawfully known without restriction before disclosure;
becomes public through no breach of obligation;
is received lawfully from a third party without confidentiality restriction;
is independently developed without use of the disclosed information; or
is approved for release in writing.

The recipient must:

use Confidential Information only for the relationship between the parties;
protect it using at least reasonable care;
disclose it only to persons who need to know it and are subject to appropriate confidentiality duties; and
not disclose it to another person except as permitted by agreement or law.

A legally compelled disclosure is permitted where the recipient, to the extent lawful, provides advance notice and reasonable assistance.

Confidentiality obligations continue for five years after disclosure, except for trade secrets, credentials, source code and information protected for a longer period by law, which remain protected while they retain that status.

18. Intellectual property

The Services and all related intellectual property are owned by or licensed to Transaqo.

Protected materials include:

software and source code;
APIs and SDKs;
connectors;
algorithms;
routing logic;
system architecture;
databases and data structures;
dashboards and interfaces;
text and documentation;
graphics, designs and illustrations;
trademarks, names and logos;
templates, reports and workflows;
know-how and methods; and
improvements and derivative works.

Except for the limited rights expressly granted, no intellectual-property right is transferred to you.

You must not register or use a name, mark, domain, social-media identifier or other designation that is identical or confusingly similar to Transaqo branding.

19. Third-party intellectual property

Third-party company names, product names, logos, icons, payment-method marks and other identifiers remain the property of their respective owners.

They are displayed or referenced for identification, interoperability, technical-reference or informational purposes.

Unless expressly stated, their appearance does not imply:

ownership;
partnership;
agency;
sponsorship;
certification;
approval;
endorsement; or
affiliation.

You must respect all applicable third-party intellectual-property rights when using the Services.

20. Feedback

If you provide ideas, comments, suggestions, enhancement requests or other feedback concerning the Services, you grant Transaqo a worldwide, perpetual, irrevocable, transferable, sublicensable and royalty-free right to use, reproduce, adapt, develop, commercialise and otherwise exploit that feedback without restriction or compensation.

This section does not transfer ownership of Customer Data or intellectual property clearly identified as pre-existing and belonging to you.

21. Aggregated and anonymised information

Transaqo may generate statistical, aggregated or anonymised information concerning operation and use of the Services.

Transaqo may use such information for:

service operation;
security;
analytics;
capacity planning;
research;
benchmarking;
product development; and
publication of general industry insights,

provided that the information does not identify you or an individual and is not reasonably capable of being re-identified.

22. Privacy and cookies

Personal information is handled in accordance with the Transaqo Privacy Policy.

Cookies and similar technologies are addressed in the Transaqo Cookie Policy and, where available, the Cookie Settings interface.

Where Transaqo processes personal data on your behalf, additional terms may be contained in a data processing addendum.

You must not use the Services to process personal information unlawfully.

23. Security and responsible disclosure

Transaqo uses reasonable technical and organisational measures intended to protect the Services and personal information.

No system can be guaranteed completely secure.

You must maintain security appropriate to your use of the Services, including:

strong authentication;
least-privilege access;
credential rotation;
secure endpoint configuration;
staff access controls;
monitoring;
incident response; and
secure development practices where applicable.

A suspected vulnerability should be reported to security@transaqo.com.

A report does not authorise:

destructive testing;
access to unrelated data;
social engineering;
denial-of-service activity;
persistence in a system;
public disclosure before remediation; or
violation of law.

24. Compliance, sanctions and export controls

You must comply with all laws applicable to your use of the Services.

You must not use or make the Services available:

in violation of sanctions or export controls;
to a prohibited or restricted person;
for a prohibited end use;
in connection with bribery or corruption;
to conceal unlawful proceeds;
to facilitate terrorism or unlawful activity; or
in a manner that would cause Transaqo to violate applicable law.

Transaqo may request information reasonably necessary to conduct compliance, security or risk assessments.

Transaqo may refuse, restrict or suspend Services where reasonably necessary to comply with law, protect security or manage material risk.

25. Suspension

Transaqo may suspend or restrict access where reasonably necessary because of:

actual or suspected violation of these Terms;
a security incident or material vulnerability;
unauthorised access;
non-payment;
unlawful or high-risk activity;
a legal, regulatory or official requirement;
a third-party provider restriction;
risk to the Services or another user;
inaccurate or misleading account information; or
an emergency requiring immediate action.

Where reasonably practicable, Transaqo will provide notice and an opportunity to remedy the issue.

Immediate action may be taken where delay could cause harm, violate law or compromise security.

26. Termination

You may stop using the Website at any time.

Account and paid-Service termination rights are governed by applicable Supplementary Terms. Where no Supplementary Terms apply, either party may terminate an ongoing Service by providing reasonable written notice.

Transaqo may terminate access immediately for:

material breach;
unlawful conduct;
serious security risk;
repeated acceptable-use violations;
insolvency;
sanctions or legal restrictions; or
non-payment that remains uncured after notice.

Upon termination:

your right to use the affected Services ends;
you must discontinue use and delete Transaqo credentials and non-public materials, subject to lawful retention;
outstanding fees remain payable;
Customer Data will be handled in accordance with applicable agreements and the Privacy Policy; and
provisions intended by their nature to survive will remain effective.

27. Third-party websites and content

The Website may contain links to third-party websites, repositories, documentation or services.

Transaqo does not control and is not responsible for their:

content;
availability;
security;
privacy practices;
accuracy;
legality; or
terms.

Access to a third-party resource is at your own risk and does not constitute endorsement.

28. Disclaimers

To the fullest extent permitted by law, the Services are provided “as is” and “as available”.

Transaqo disclaims all express, implied, statutory and other warranties, including warranties of:

merchantability;
satisfactory quality;
fitness for a particular purpose;
title;
non-infringement;
accuracy;
completeness;
uninterrupted availability;
error-free operation;
security;
compatibility;
regulatory suitability; and
achievement of a particular commercial result.

Transaqo does not warrant that:

every provider or payment method will be available;
a provider will approve or retain you;
a transaction will be authorised, completed or settled;
routing or cascading will increase approval rates;
fraud or chargebacks will be prevented;
the Services will satisfy every legal or regulatory requirement applicable to you;
third-party data will be accurate;
every error or vulnerability will be corrected immediately; or
the Services will operate without interruption.

Website statements concerning capabilities, performance, savings, implementation, availability or outcomes are general descriptions and do not constitute guarantees unless expressly included in applicable Supplementary Terms.

You are responsible for conducting your own legal, regulatory, technical, security and commercial assessment.

29. Limitation of liability

To the fullest extent permitted by law, Transaqo and its personnel, licensors, service providers and representatives will not be liable for:

indirect, incidental, special, exemplary, punitive or consequential loss;
loss of profit, revenue, business, opportunity, goodwill or anticipated savings;
loss, corruption or unauthorised disclosure of data;
business interruption;
cost of substitute services;
payment-provider decisions;
failed, rejected, delayed or reversed transactions;
settlement delays;
chargebacks, fines, assessments or reserves;
third-party acts or omissions; or
losses that could reasonably have been avoided through appropriate backup, security, configuration or business-continuity measures.

Where liability arises from a paid Service and is not governed by a different limitation in Supplementary Terms, Transaqo’s total aggregate liability arising from or relating to that Service will not exceed the fees paid or payable by you for the affected Service during the twelve months immediately preceding the event giving rise to the claim.

For claims relating solely to free access to the public Website, Transaqo’s total aggregate liability will not exceed USD 100 or its equivalent.

The limitations apply regardless of the legal theory and even if a party was advised that loss was possible.

Nothing excludes or limits liability to the extent it cannot lawfully be excluded or limited, including liability for fraud, fraudulent misrepresentation, wilful misconduct or any other liability that mandatory law requires to remain unrestricted.

30. Indemnification

To the extent permitted by law, you will defend, indemnify and hold harmless Transaqo and its personnel, service providers and representatives from third-party claims, losses, damages, liabilities, penalties and reasonable costs arising from:

your products, services or business activities;
your Customer Data;
your violation of law or third-party rules;
your infringement of third-party rights;
your misuse of the Services;
your unlawful instructions;
your breach of these Terms;
your failure to obtain required notices, rights or consents; or
acts and omissions of your authorised users.

You are not responsible to the extent a claim was directly caused by Transaqo’s breach, gross negligence or wilful misconduct.

Transaqo will provide reasonable notice of an indemnified claim and may participate in its defence. You must not settle a claim in a manner that admits wrongdoing by or imposes obligations on Transaqo without written consent.

31. Force majeure

Neither party is liable for delay or failure caused by circumstances beyond its reasonable control, including:

natural disasters;
fire or flood;
epidemic or pandemic;
war, terrorism or civil unrest;
labour disruption;
government action;
sanctions;
utility or telecommunications failure;
Internet disruption;
cloud or infrastructure failure;
widespread cyberattack; or
failure of a critical third-party provider.

The affected party must use reasonable efforts to reduce the impact and resume performance.

This section does not excuse payment obligations already due.

32. Notices

Legal notices to Transaqo must be sent to legal@transaqo.com.

Privacy notices and requests must be sent to privacy@transaqo.com.

Security reports must be sent to security@transaqo.com.

Transaqo may provide notices to you through:

your account;
the Platform;
the Website;
email;
documentation; or
another contact method supplied by you.

You are responsible for maintaining current contact information.

Electronic notices satisfy written-notice requirements to the extent permitted by law.

33. Governing principles and disputes

A dispute governed by an Order Form, master services agreement or other Supplementary Terms is subject to the governing-law and dispute provisions contained in that document.

Where no separate governing-law or dispute provision applies, the dispute will be determined under the substantive and procedural laws identified by the competent court or tribunal under applicable conflict-of-law rules.

Proceedings may be brought before a court, tribunal or authority having competent jurisdiction under applicable law.

Nothing in these Terms:

creates exclusive jurisdiction where none has been validly agreed;
prevents either party from seeking urgent injunctive or protective relief;
restricts access to a regulator or authority having lawful jurisdiction; or
limits mandatory rights concerning jurisdiction or applicable law.

Before commencing formal proceedings, the parties should make reasonable good-faith efforts to resolve the dispute by contacting legal@transaqo.com and allowing a reasonable period for response.

34. Changes to these Terms

Transaqo may update these Terms to reflect changes in:

the Services;
law or regulation;
security requirements;
technology;
third-party relationships; or
business practices.

Material changes may also be communicated through the Website, Platform, account or email.

Changes apply prospectively unless a different result is required by law.

Continued use after changes take effect constitutes acceptance where permitted by law. Where affirmative acceptance is legally or contractually required, Transaqo may request it before continued use.

35. General provisions

These Terms and applicable Supplementary Terms constitute the agreement concerning their subject matter.

If a provision is held invalid or unenforceable, it will be limited or modified to the minimum extent necessary, and the remaining provisions will continue in effect.

A failure or delay in enforcing a right is not a waiver.

You may not assign or transfer your rights or obligations without Transaqo’s prior written consent. Transaqo may assign these Terms in connection with a merger, acquisition, restructuring, financing, transfer of business or transfer of the relevant Services, subject to applicable law.

No partnership, joint venture, employment, fiduciary, agency or franchise relationship is created by these Terms.

No third party has a right to enforce these Terms unless applicable law expressly provides otherwise.

Headings are for convenience and do not affect interpretation.

The words “including” and “includes” mean “including without limitation”.

An electronic acceptance or signature has the same effect as a handwritten signature to the extent permitted by law.

36. Contact

Questions concerning these Terms may be submitted to:

Legal: legal@transaqo.com

Privacy: privacy@transaqo.com

Security: security@transaqo.com

Website: transaqo.com