Effective Date: Nov 2024 Welcome to CARITech. Please read these Terms and Conditions carefully before using our services or products offered through the Microsoft platform. By accessing or using our services, you agree to these Terms and Conditions. If you do not agree, please do not use our services. 1. Acceptance of Terms • By accessing CARITech’s product, you agree to comply with these Terms and Conditions. If you are using this service on behalf of a company, you agree that you have the authority to bind that company to these terms. 2. Use of the Service • Our service is intended for professional use in the financial and banking sectors. You agree not to use the service for any unlawful purpose, or in any way that could harm CARITech or its affiliates. 3. User Account and Security • Users may need to create an account to access our services. You are responsible for safeguarding your account credentials and agree to notify us immediately if you suspect any unauthorized access. 4. Intellectual Property Rights • All content, features, and functionality on CARITech’s platform, including but not limited to text, graphics, logos, and software, are the exclusive property of CARITech and are protected by copyright, trademark, and other laws. 5. Privacy Policy • CARITech values your privacy. Please refer to our Privacy Policy for information on how we collect, use, and disclose personal data. 6. Limitations of Liability • CARITech shall not be liable for any damages, direct or indirect, resulting from your use of or inability to use the service. This includes, without limitation, damages for loss of data, profits, or business interruption. 7. Amendments to Terms • CARITech reserves the right to modify these Terms and Conditions at any time. Changes will be posted on this page with the updated Effective Date. Continued use of the service signifies your acceptance of the new terms. 8. Governing Law • These Terms and Conditions are governed by the laws of Canada. Any disputes arising from or related to these terms shall be resolved in the courts of Canada. If you have questions, please contact us at info@cari-tech.com.