Terms of Use

These Terms of Use (“Terms”) form a legally binding agreement between you (“User,” “you,” or “your”) and Anexus Technologies Incorporated, an Ontario corporation doing business as Anexus Connect, with its registered office in Ontario, Canada (“Anexus Connect,” “we,” “us,” or “our”) governing your access to and use of:

• The website at https://www.anexusconnect.com (the “Website”),
• The application at https://app.anexusconnect.com (the “App”), and
• All related services, APIs, features, and functionality (collectively, the “Services”).

By accessing or using the Services, you agree to these Terms. If you do not agree, you must not use the Services.

1. Eligibility and Legal Capacity

You may use the Services only if:

• You are at least 18 years old or the age of majority in your jurisdiction
• You have the legal authority to enter into binding agreements
• You are not prohibited from using the Services under applicable law

If you are using the Services on behalf of a business, you represent that you have authority to bind that entity.

2. Account Registration and Security

2.1 Account Creation

To access core features, you must create an account and provide accurate, complete, and current information.

2.2 Account Responsibility

You are solely responsible for:

• Maintaining the confidentiality of your login credentials
• All activity conducted through your account
• Ensuring your account information remains accurate

2.3 Unauthorized Access

On our side, we protect accounts with industry-standard encryption, hashed password storage, secure session handling, and ongoing monitoring for suspicious activity. On your side, please keep your password private, use a unique strong password, and notify us immediately at support@anexustechnologies.com if you suspect any unauthorised access. If a loss results from a breach of your password security that we could not reasonably have prevented at the platform level, we are not liable for that loss, but we will still work with you to lock the account, investigate, and recover what we can.

2.4 Data Export and Account Deletion

Subject to applicable law and technical feasibility, you may submit a request to us at any time to obtain a copy of personal information associated with your account in a structured, commonly used, and machine-readable format (a “data export” request). We will respond to verified requests within a reasonable period and in accordance with our obligations under applicable privacy and data protection laws.

You may request closure of your account and deletion of personal information associated with your account at any time by contacting us using the contact information in Section 28. Upon verification of your identity and, where applicable, confirmation of the request, we will process account deletion and associated data deletion in accordance with applicable law.

Notwithstanding the foregoing, we may retain certain records where retention is required or permitted by law (including tax, accounting, fraud prevention, security, and dispute resolution obligations), or where data has been anonymized or aggregated such that it no longer reasonably identifies you. Data export and deletion requests may be subject to identity verification and reasonable limitations designed to protect the security and privacy of accounts and third parties.

3. Description of Services

The Services provide a SaaS platform that includes:

• Digital business card creation and sharing
• Public profile hosting (including media and links)
• Lead capture and contact exchange functionality
• Analytics and user interaction tracking
• CRM integrations (e.g., Salesforce, HubSpot)
• Calendar integrations (e.g., Google, Microsoft, Apple)
• Appointment scheduling and communication features
• AI-assisted responses and support tools
• Profile Shop: an optional feature that allows Users (each, a “Seller”) to list and sell digital products, services, bookings, or other offerings to other persons (each, a “Buyer”) via Stripe Connect (see Section 5)

We reserve the right to modify, suspend, or discontinue any feature at any time without liability.

4. Payments, Billing, and Subscriptions

4.1 Third-Party Payment Processing

Payments are processed by third-party providers, including Stripe.

• We do not store or process full payment card details
• Payment data is subject to Stripe's terms and privacy policy

4.2 Subscription Terms

If you purchase a subscription:

• You agree to recurring billing
• Billing cycles (monthly/annual) are disclosed at purchase
• Charges will be applied automatically unless canceled

4.3 Cancellation

You may cancel or unsubscribe from your subscription at any time, directly from your account.

• Cancellation can be done at any time from your account settings — no need to contact support
• Once canceled, your subscription will not renew and you will not be billed again
• Cancellation prevents future billing
• Access may continue until the end of the current billing period

4.4 Refunds

All payments are non-refundable, except where required by applicable law.

4.5 Payment Failure

We may suspend or terminate access if payment is declined or unpaid.

4.6 Free Trials and Promotional Plans

We may offer free trials, promotional discounts, or limited-time plans (each, a “Trial”). Unless we expressly state otherwise:

• You must provide valid payment information to begin a Trial that converts to a paid plan;
• At the end of the Trial period, your plan will automatically convert to the corresponding paid subscription at the then-current rate, and you authorize us (through Stripe) to charge that amount;
• To avoid being charged, you must cancel from your account settings before the Trial ends;
• Promotional rates apply only for the period stated at signup; after that, standard pricing applies;
• Only one Trial per User. We may decline Trials we believe are duplicates or abuse, including those originating from the same payment instrument, email, IP address, or device fingerprint.

4.7 Auto-Renewal Acknowledgement

All paid subscriptions automatically renew at the end of each billing period for another period of the same length, at the then-current price, until you cancel. By subscribing, you expressly authorize Anexus Connect (acting through Stripe) to charge your payment method on each renewal. Pricing in effect on the renewal date applies; we will give reasonable advance notice of any price change. You can view your renewal date and cancel at any time from your account settings.

4.8 Promotional Codes

Promotional codes are non-transferable, may not be redeemed for cash, may not be combined with other offers (unless we say otherwise), and may expire or be revoked at our discretion if we suspect fraud, abuse, or error. We are not responsible for codes that are mistyped, expired, or used after their stated validity window.

4.9 Currency, Pricing Errors, and Taxes

Subscription and hardware prices are displayed in the currency shown at checkout. We make commercially reasonable efforts to ensure pricing accuracy; however, in the event of an obvious pricing or descriptive error, we reserve the right to refuse or cancel any order placed at the incorrect price, even after order confirmation, and to issue a full refund of any amount already charged. You are responsible for any sales tax, GST, HST, PST, QST, VAT, or other taxes applicable to your purchase, which we will collect where required by law.

4.10 Scope of This Section

This Section 4 governs your subscription payments to us for access to the platform. Payments made by Buyers to Sellers through Profile Shop are governed separately by Section 5 (Profile Shop & Stripe Connect). Hardware purchases are also governed by Section 22 (Hardware Orders & Shipping) and the Return Policy.

5. Profile Shop & Stripe Connect Payments

5.1 What Profile Shop Is

Profile Shop is an optional platform feature that lets a User (the “Seller”) list and sell digital products, services, bookings, downloads, content access, or other lawful offerings (each, an “Offering”) to another person (the “Buyer”). Payments for Offerings are processed through Stripe Connect, operated by Stripe, Inc. and its affiliates (collectively, “Stripe”).

5.2 Our Role; No Merchant of Record

Anexus Connect provides technology and connectivity only. We are not:

• The seller, merchant, or merchant of record for any Offering;
• A party to the contract for sale between Buyer and Seller;
• An agent, broker, fiduciary, trustee, escrow agent, or payment processor;
• A holder of Buyer or Seller funds at any time;
• A guarantor of any Offering's quality, legality, safety, accuracy of description, delivery, fitness for purpose, or compliance with applicable law.

All Offerings are sold by the Seller to the Buyer directly. Stripe is the payment processor. Funds flow from the Buyer through Stripe to the Seller's Stripe Connected Account. We do not at any point custody, hold, or take title to Buyer or Seller funds.

5.3 Stripe Connected Account Agreement

To use Profile Shop as a Seller, you must complete Stripe's onboarding process and create a Stripe Connected Account. You must accept and at all times remain in compliance with the Stripe Connected Account Agreement, the Stripe Services Agreement, and Stripe's Restricted Businesses list (collectively, the “Stripe Agreements”). The Stripe Agreements are between you and Stripe. We are not a party to them and cannot waive, modify, or override them.

Stripe may, at its sole discretion and without our consent, suspend, restrict, freeze, hold, reserve, reverse, refund, or close your Stripe Connected Account, place holds on payouts, or refuse to process transactions. We are not responsible for Stripe's decisions and shall have no liability arising from them.

5.4 Identity Verification, KYC, AML, and Sanctions

As part of using Profile Shop, you authorize Stripe (and where required, us) to collect, verify, and process identification information about you and your business (including under Know-Your-Customer (“KYC”), anti-money-laundering (“AML”), counter-terrorist-financing, and economic-sanctions laws). You agree to provide complete and accurate information promptly upon request. Failure to do so may result in suspension or termination of your Profile Shop access and your Stripe Connected Account.

5.5 Anexus Platform Fee

For each successful transaction processed through Profile Shop, we charge a platform fee of USD $1.00 (or the equivalent amount in the transaction's settlement currency, at Stripe's prevailing exchange rate) (the “Platform Fee”). The Platform Fee is collected automatically as a Stripe Connect application fee at the time of the transaction and is in addition to:

• Stripe's processing fees, currency-conversion fees, dispute fees, instant-payout fees, and any other fees Stripe charges you under the Stripe Agreements; and
• Any taxes, duties, or other amounts that may be owed in connection with the Offering or the transaction.

The Platform Fee is non-refundable, including in the event the Seller refunds the Buyer in whole or in part, except where a refund of the Platform Fee is expressly required by applicable law. By using Profile Shop, you (both as Seller and as Buyer, where applicable) authorize Anexus Connect to collect the Platform Fee from each transaction.

We may change the Platform Fee or introduce additional fees from time to time. We will provide at least 14 days' prior notice of any increase or new fee. Continued use of Profile Shop after the effective date of a fee change constitutes acceptance of the new fee.

5.6 Seller Obligations and Representations

By listing or selling any Offering through Profile Shop, the Seller represents, warrants, and covenants that:

• The Seller is the lawful owner of, or has all necessary rights, licences, and permissions to sell, the Offering;
• The Offering, its description, pricing, images, and all related representations are accurate, complete, and not misleading;
• The Offering, the Seller's business, and the Seller's use of Profile Shop comply with all applicable laws, regulations, and industry standards (including consumer-protection laws, advertising laws, intellectual-property laws, data-protection laws, tax laws, export-control laws, and the Stripe Restricted Businesses list);
• The Seller will deliver the Offering to the Buyer on the terms communicated to the Buyer and within a reasonable time;
• The Seller will provide accurate contact and support information to Buyers and respond to Buyer inquiries, complaints, and disputes in good faith;
• The Seller is responsible for setting prices, descriptions, refund policies, return policies, terms of sale, and any post-sale service or warranty;
• The Seller will not use Profile Shop to facilitate transactions for any prohibited category (including those listed in Section 5.7) or to circumvent any applicable law;
• The Seller is solely responsible for collecting, remitting, and reporting all sales taxes, value-added taxes, goods-and-services taxes, harmonized sales taxes, withholding taxes, income taxes, and any other taxes or duties arising from sales of the Seller's Offerings, and for any required tax filings (including, where applicable, recipient reporting such as 1099-K equivalents);
• The Seller will retain books, records, and documentation sufficient to comply with applicable law and Stripe Agreements.

5.7 Prohibited Offerings

To keep Profile Shop safe, legal, and trustworthy for Buyers, our payments partners, and other Sellers, we maintain a list of categories that may not be sold through the platform. We monitor for violations and act on credible reports. The Seller may not list, offer, or sell through Profile Shop any of the following:

• Anything on the Stripe Restricted Businesses list;
• Goods or services that are illegal in the Seller's jurisdiction, the Buyer's jurisdiction, Canada, or the United States;
• Counterfeit, pirated, stolen, or infringing goods or content;
• Firearms, ammunition, explosives, weapons, or weapons accessories;
• Controlled substances, prescription medications, drug paraphernalia, or any product whose sale requires a regulated licence the Seller does not hold;
• Tobacco, vaping products, or cannabis products (except where the Seller holds all required licences and complies with all applicable laws and Stripe's requirements);
• Adult content or services prohibited by Stripe;
• Gambling, lottery tickets, sweepstakes, or pyramid/Ponzi schemes;
• Money-services, money-transmission, currency exchange, cryptocurrency exchange, or financial products that the Seller is not licensed to provide;
• Securities, investment advice, or any product that constitutes a security or investment contract under applicable law;
• Misleading, deceptive, fraudulent, or "get-rich-quick" offerings;
• Goods or services that infringe any third party's intellectual-property, privacy, or publicity rights;
• Hate speech, harassment, or content promoting violence;
• Any Offering that we determine, in our sole discretion, poses a risk to Buyers, the platform, our reputation, our relationship with Stripe, or other Users.

Where we have a reasonable basis to believe a listing breaches this section, we may remove the listing and suspend or terminate the Seller's Profile Shop access. Wherever practical we will give the Seller notice and a chance to respond, but for fraud, illegal goods, an active threat to Buyers, or a Stripe or law-enforcement directive we may have to act first and notify after.

5.8 Refunds, Returns, Cancellations, and Buyer Disputes

Refund, return, cancellation, warranty, and post-sale service decisions sit with the Seller, who knows the product and the customer relationship. Every Seller is required by Section 5.6 to publish a clear refund and return policy that complies with applicable law in every jurisdiction they sell into, and to honour it in good faith.

How Anexus Connect helps when something goes wrong. If a Buyer cannot reach a Seller, or believes a Seller is acting in bad faith, the Buyer can contact us at support@anexustechnologies.com. We will look into the report, contact the Seller, and where we find a pattern of broken commitments we will act under Sections 5.7 and 5.14 (which can include removing listings or suspending the Seller). We do not act as a court or arbitrator between Buyer and Seller — that role legitimately belongs to Stripe's dispute process and, where relevant, consumer-protection authorities — but we also do not look away.

Where we will facilitate a refund. Where the Seller agrees, we can issue a Stripe Connect refund on the Seller's behalf to keep the experience smooth for the Buyer. As noted in Section 5.5, the Anexus Connect Platform Fee is non-refundable on completed transactions, except where applicable law requires otherwise.

Chargebacks and payment reversals. Chargebacks initiated by Buyers through their card network or bank are handled by Stripe under the Stripe Agreements. Because the funds went to the Seller, chargeback amounts, related Stripe fees, and any reversed amounts are the Seller's financial responsibility. Anexus Connect does not absorb or indemnify chargebacks — doing so would effectively make us guarantor of every transaction, which is not the role of a marketplace facilitator and would be unsustainable.

5.9 Reserves, Holds, and Reversals

Payments are processed and routed by Stripe, so reserves, holds, payout delays, and reversals can be triggered either by Stripe (under the Stripe Agreements you accepted when onboarding) or by us, in the limited set of circumstances described here. We will only restrict Seller access to Profile Shop, suspend listings, or pause our cooperation with a payout where we have a reasonable, good-faith basis to believe one of the following is occurring: suspected fraud or illegal activity, a breach of these Terms or the Stripe Agreements, an unusually high dispute rate, or a credible risk to Buyers or the platform. When we do, we will tell the Seller why and what is needed to resolve it, and we will lift the restriction as soon as the underlying concern is addressed. To the maximum extent permitted by law, we are not liable for losses caused by restrictions we apply in good faith under this section.

5.10 Taxes

Anexus Connect does not provide tax advice, does not calculate or remit Seller taxes, and does not act as a marketplace facilitator for tax-collection purposes except where expressly required by law. The Seller is solely responsible for determining, collecting, remitting, and reporting all taxes arising from the Seller's Offerings, including (without limitation) sales taxes, GST, HST, PST, QST, VAT, excise taxes, withholding taxes, income taxes, and any equivalent foreign taxes. The Seller agrees to indemnify Anexus Connect from any claim, assessment, penalty, or interest arising from the Seller's failure to do so.

We may, where required by law (for example, certain marketplace-facilitator tax obligations in specific U.S. states or foreign jurisdictions), calculate, collect, and remit tax on certain transactions, in which case we will disclose this at checkout or in the Seller dashboard. Sellers must keep their tax-residence and registration information current.

5.11 Buyer Acknowledgements

If you are a Buyer purchasing an Offering through Profile Shop, here is how the relationship works so there are no surprises:

• Your contract for the goods or services is with the Seller, not with Anexus Connect. We provide the storefront, payment routing, and platform safety controls — the Seller is the merchant of record.
• We do not independently verify every Seller or every Offering. We require Sellers to make accurate, lawful, and honest representations (Section 5.6), we publish prohibited categories (Section 5.7), and we act on credible reports of bad behaviour — but we cannot warrant any individual Seller's identity, reputation, business practices, or ability to deliver. Review the Seller's listing, refund policy, and reviews before purchasing.
• Your payment is processed by Stripe; any payment dispute is governed by the rules of your card network and Stripe's dispute process.
• Refunds, returns, support, and warranty claims should be directed to the Seller first. If you cannot reach the Seller, or if the Seller is acting in bad faith, contact us at support@anexustechnologies.com and we will look into it under Section 5.8.
• Anexus Connect's Platform Fee is shown at checkout and is part of the total amount you pay. The Platform Fee is non-refundable on completed transactions, except where applicable law requires otherwise.

5.12 No Investment Advice; No Financial Services

Nothing on Profile Shop constitutes investment, financial, legal, tax, or other professional advice from Anexus Connect. We do not offer banking, money-transmission, brokerage, escrow, lending, or insurance services. We do not hold deposits.

5.13 Indemnification by Seller (Profile Shop)

In addition to the indemnification provisions in Section 15, the Seller agrees to defend, indemnify, and hold harmless Anexus Connect and its affiliates, officers, directors, employees, agents, and Stripe from and against any and all claims, demands, losses, liabilities, damages, judgments, settlements, penalties, fines, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) any Offering listed or sold by the Seller; (b) any dispute, chargeback, refund, or claim between the Seller and any Buyer; (c) the Seller's breach of any representation, warranty, or covenant in these Terms or the Stripe Agreements; (d) the Seller's violation of any law or third-party right; (e) any taxes, duties, or assessments owed by the Seller; and (f) any content, communication, or conduct of the Seller.

5.14 Suspension and Termination of Profile Shop

We may, at any time and in our sole discretion, with or without notice, suspend or terminate the Seller's access to Profile Shop, remove any listing, or refuse to process any transaction where we believe (a) the Seller has breached these Terms or the Stripe Agreements; (b) the Seller's activity poses a risk to Buyers, other Users, the platform, our relationship with Stripe, or our reputation; (c) we are required to do so by law, by Stripe, or by a regulatory or governmental authority; or (d) the Seller's Stripe Connected Account has been restricted, suspended, or terminated. Suspension or termination does not affect amounts already owed by the Seller (including chargebacks, reversals, and Stripe fees).

5.15 Survival

Sections 5.5 (Platform Fee), 5.6 (Seller Obligations), 5.7 (Prohibited Offerings), 5.8 (Refunds & Disputes), 5.9 (Reserves & Reversals), 5.10 (Taxes), 5.13 (Indemnification), and 5.14 (Suspension) survive termination of these Terms or the Seller's access to Profile Shop.

6. User Content and Data Ownership

5.1 Ownership

You retain all ownership rights to content you upload, including:

• Profile data
• Images, videos, and links
• Business information

5.2 License to Us

You grant us a non-exclusive, worldwide, royalty-free license to:

• Store
• Process
• Display
• Transmit

your content solely to operate and provide the Services.

5.3 Responsibility

You are solely responsible for your content. You represent that:

• You have all necessary rights to the content
• Your content does not violate laws or third-party rights

5.4 Prohibited Content

You may not upload content that is:

• Illegal, harmful, or abusive
• Fraudulent or misleading
• Infringing intellectual property rights

We may remove content at our discretion.

5.5 How We Protect Your Data — and Why You Should Keep Your Own Copies

What we do. Your data is stored on encrypted, professionally-managed infrastructure with multiple layers of protection: encryption at rest, encrypted backups, redundant storage, monitored access controls, and the security measures described in our Privacy Policy. We take operational backups so that we can recover from infrastructure failure on our side.

What we are not. We are not a personal backup service. Our backups exist to keep Anexus Connect running — they are not a substitute for an independent copy of data you consider critical to your business. We strongly recommend you periodically export your contacts, leads, and profile data (we provide an export tool in Settings) and keep your own copy.

The limit. If data loss happens because of something we caused through our negligence, we will work to recover what we can and the responsibility framework in Section 14 applies. To the maximum extent permitted by law, we are not liable for data loss caused by your own actions (such as account deletion or accidental overwrites), by third-party service failures outside our control, by force-majeure events, or by Service discontinuation — which is precisely why we recommend keeping your own copies.

5.6 Feedback License

If you provide us with feedback, ideas, suggestions, feature requests, or bug reports (collectively, “Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable, transferable license to use, copy, modify, distribute, and exploit such Feedback for any purpose, including incorporating it into the Services, without any obligation, compensation, or attribution to you. We may freely act on Feedback without owing you anything, and Feedback is provided on a non-confidential basis.

5.7 Anti-Scraping and Automated Access

You may not (and you may not permit any third party to): (a) use any robot, spider, scraper, or other automated means to access, copy, harvest, or index any portion of the Services or any user profiles, contacts, listings, or content; (b) reverse engineer, decompile, disassemble, attempt to derive the source code of, or attempt to extract the underlying ideas of the Services, except to the extent expressly permitted by applicable law; (c) circumvent or interfere with any security measure, rate limit, authentication, or technical limitation of the Services; (d) use the Services or any output from the Services to train, fine-tune, develop, evaluate, or improve any machine-learning or artificial-intelligence model, dataset, or service, without our prior written consent; (e) access the Services using credentials you did not register; or (f) use any part of the Services as a means to build a competing product or service.

7. CRM and Third-Party Integrations

6.1 Authorization

When you connect third-party services:

• You authorize us to access data via APIs
• You confirm you have the right to grant such access

6.2 Token Storage

We may store access tokens securely in encrypted form for integration purposes.

6.3 Data Responsibility

• You retain ownership of all third-party data
• We do not control or verify third-party data

6.4 Third-Party Risk

We carefully select the third-party partners we integrate with — established CRMs (HubSpot, Pipedrive, Salesforce, Zoho, and others), payment providers (Stripe), AI providers, and infrastructure vendors — and we monitor those integrations as part of the Services. When we change a partner or one of their APIs changes in a way that affects you, we will tell you and help you adapt.

However, those third parties operate their own platforms under their own terms, and decisions they make are outside our control. To the maximum extent permitted by law, we are not responsible for:

• Failures or downtime of the third-party service itself;
• Data loss that originates inside the third-party platform (for example, a Seller's CRM administrator deleting records);
• Changes those providers make to their APIs, pricing, terms, or policies.

If a third-party failure breaks an integration, our team will work to restore it, route around it where possible, and keep you informed. Where appropriate, we will help you export and migrate to an alternative.

8. Acceptable Use Policy

You agree not to:

• Use the Services for unlawful purposes;
• Reverse engineer, hack, or disrupt the platform;
• Interfere with system integrity or security;
• Use the Services for spam, harassment, or abuse;
• Misuse analytics, tracking, or automation features;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• Upload, transmit, or distribute viruses, malware, worms, logic bombs, or any other malicious code;
• Probe, scan, or test the vulnerability of any system or network without our prior written authorization (security researchers may contact us before testing);
• Send bulk unsolicited messages or commercial electronic messages in violation of Canada's Anti-Spam Legislation (“CASL”) or any equivalent law;
• Use the Services to collect personal information about others without lawful basis or required consents;
• Resell, sublicense, white-label, or otherwise commercially exploit access to the Services without our prior written consent;
• Bypass, disable, or attempt to defeat any usage limit, paywall, feature gate, or access control;
• Use the Services in a manner that causes excessive load on our infrastructure, including by issuing API or HTTP requests at a rate that materially exceeds normal human use;
• Use the Services in connection with any activity prohibited by Section 5.7 (Prohibited Offerings) or Section 6.5–6.7;
• Use the Services to facilitate, plan, or carry out any criminal activity, including human trafficking, child exploitation, sanctions evasion, terrorism financing, or money laundering;
• Use any output of the Services to train, fine-tune, develop, evaluate, or improve any machine-learning or artificial-intelligence system.

We may, in our sole discretion and without prior notice, suspend or terminate accounts, remove content, throttle access, refer matters to law enforcement, or take other action we believe appropriate to address violations of this Section.

9. Data Use and Compliance Responsibilities

If you use the platform to collect personal data:

• You are responsible for complying with applicable privacy laws
• You must obtain required consents from individuals
• You must not misuse collected data

We are not responsible for your compliance with data protection laws.

10. Analytics and Tracking Disclaimer

The Services include analytics — views, clicks, taps, engagement summaries, and similar usage metrics — designed to help you understand how your profile is performing. We work to make these metrics useful and accurate, with appropriate de-duplication, bot filtering, and source attribution.

However, web analytics is inherently approximate. Browser privacy features, ad-blockers, mobile-network reuse of IP addresses, and changes by Apple, Google, and other platform providers all affect what we can measure. Please use our analytics as one input into your decisions, not as audited financial data. To the maximum extent permitted by law, we are not liable for business decisions you make solely in reliance on analytics figures without applying your own judgement.

11. AI Features

The Services include features that use artificial-intelligence and large-language-model technologies (collectively, “AI Features”), some of which are provided by third-party AI providers acting as our service providers.

11.1 The nature of AI output

We invest in selecting reliable AI providers, prompt-engineering for quality, and applying safety controls — but generative AI is, by its nature, probabilistic. Because of that, AI Features are provided as-is, without warranty of accuracy, completeness, fitness for a particular purpose, or non-infringement. Treat AI output as a helpful starting draft to be reviewed by you, not as a finished or authoritative answer.

11.2 You Acknowledge

• AI output may be inaccurate, incomplete, biased, outdated, fabricated, or contain errors;
• AI Features are not a substitute for professional advice (including legal, medical, financial, tax, or other regulated advice). You must independently verify any AI output you rely on for any material decision;
• AI output is generated based on statistical patterns and does not reflect the views, opinions, or recommendations of Anexus Connect;
• You are solely responsible for the prompts you submit and for the content you choose to use, publish, send, or otherwise act upon based on AI output;
• You must not submit confidential, regulated, sensitive, or third-party personal information to AI Features without lawful basis and any required consents;
• Prompts and AI output may be processed by third-party AI providers (e.g., OpenAI, Anthropic, Google, or similar providers) under their own terms and privacy policies. Where those providers offer enterprise-style data-use protections, we will use commercially reasonable efforts to elect them; however, we cannot guarantee how third-party providers use submitted data.

11.3 Ownership and Use of AI Output

Subject to the rights of third-party AI providers under their terms, you may use AI output generated for your account for your lawful purposes; however, you acknowledge that similar or identical AI output may be generated for other users, and we make no representation that any AI output is exclusive to you. AI output is not deemed a "work" authored by Anexus Connect.

11.4 No Use of Anexus Output to Train Models

You may not use any portion of the Services, or any AI output generated through the Services, to train, fine-tune, develop, evaluate, or improve any machine-learning or artificial-intelligence model, dataset, product, or service, without our prior written consent.

11.5 Responsibility for how AI output is used

We provide AI Features in good faith and stand behind the engineering that powers them. Final judgement about what to send, publish, or rely on, however, sits with you — you know your audience, your industry rules, and the consequences of a given message in a way the model does not. To the maximum extent permitted by law, Anexus Connect is not liable for any decision, communication, or transaction you make in reliance on AI output without independently verifying it.

11.6 Pricing and Billing Model for AI Features

AI Features are sold on a credit-based usage model, separate from your subscription plan. To use AI Features you purchase AI credits in your account, and each AI action — for example, an AI-drafted follow-up email, an AI profile rewrite, or an AI lead-advisor query — consumes one or more credits depending on the action’s complexity, length, and the underlying provider cost. Current credit costs per action, available credit packs, prices, refresh terms, and any included credits are disclosed in the app at the time of purchase and may be updated from time to time.

Credits are non-refundable except where required by applicable consumer-protection law. Unused credits may be subject to an expiry period disclosed at purchase. Where we expressly grant trial, promotional, or plan-included credits, those credits may carry separate terms (for example, monthly expiry, non-transferability, or non-rollover) disclosed when they are granted.

The underlying costs of running AI Features — including charges from third-party AI providers, compute, and supporting infrastructure — are real and can change quickly as the AI industry evolves. Because of that, we reserve the right to change how AI Features are priced or billed in the future. Without limiting that right, possible future changes include:

• Adjusting the credit cost per AI action, including increasing the credits required for a specific AI capability (for example, longer-form generation, image generation, document analysis);
• Changing credit pack pricing, pack sizes, refresh cadence, or expiry terms;
• Introducing per-user, per-day, or per-month usage caps on credit consumption, including converting some AI Features to a metered allowance;
• Restricting specific AI Features to higher-priced subscription plans, or bundling a recurring credit allotment into a specific plan;
• Replacing the credit model with a different pricing model — for example, a flat AI add-on, an AI-specific subscription tier, or a true pay-as-you-go meter — at our discretion, subject to the notice and decline protections below.

If we make a material change to how AI Features are priced or billed, we will:

• Give you reasonable advance notice — at least thirty (30) days where practical — by email and/or in-app notification before the change takes effect;
• Apply the change to your account no earlier than the start of your next renewal period, unless you are on a free plan, are signing up after the change is announced, or you expressly accept the change sooner;
• Allow you to decline the change by cancelling your subscription under Section 4.3 before the change takes effect, without penalty beyond the unused portion of any pre-paid period (which we will refund pro rata where required by applicable consumer-protection law).

Nothing in this Section 11.6 limits your statutory rights under applicable consumer-protection law (including Ontario's Consumer Protection Act and equivalent provincial statutes), or our obligation to honour the subscription terms you have already paid for. Where consumer-protection law gives you a stronger right — for example, the right to refuse a unilateral change to a fixed-term contract, or a longer notice period — that right prevails over this Section.

12. Service Availability and Reliability

12.1 What we commit to

Keeping the Services available is core to what we do. To that end:

• We monitor our infrastructure continuously and respond to incidents as a priority.
• We apply security patches and dependency updates promptly.
• We target 99.5% monthly availability for the App and the API, measured outside of scheduled maintenance windows and events beyond our reasonable control (see Section 18).
• Where we plan maintenance that we expect to cause noticeable disruption, we will give reasonable advance notice through the App, by email, or on our status communications, and will schedule the work outside peak hours where the work permits.
• For incidents that materially affect the Services, our team will work to restore them as quickly as practicable, and we will keep affected users informed of the status and the expected resolution.

12.2 Honest limits

That said, like every platform on the internet, we cannot — and do not — guarantee continuous uptime, error-free operation, or uninterrupted access. Outages, latency, bugs, third-party dependency failures, security incidents, and the realities of distributed systems can and do happen. By using the Services, you acknowledge these realities and understand that the Services are not designed for, and must not be relied on for, use cases where any interruption or error could cause death, personal injury, environmental damage, or other critical harm.

12.3 Maintenance and updates

We may perform maintenance, deploy updates, or change features at any time in order to keep the Services secure, compliant, and improving. We aim to minimise disruption when we do.

12.4 Status and support

For an incident report, or to reach us about a current disruption, contact support@anexustechnologies.com. We target an initial response within one business day, and faster for incidents we have classified as affecting many users.

13. Account Suspension, Termination, and Service Discontinuation

13.1 Suspension or Termination by Us (for cause)

We may suspend or terminate your access if:

• You violate these Terms
• You misuse the Services
• Required by law

13.2 Termination by You

You may terminate your account at any time by submitting a request through the contact methods identified in Section 28, including a request for account closure and deletion as described in Section 2.4. Termination of your account does not relieve you of obligations accrued prior to termination or limit any provisions of these Terms that by their nature should survive termination.

13.3 Discontinuation of the Services

We are committed to providing you with uninterrupted access to the Services. That said, for reasons including wind-down of our business, a sale or transfer of the business, or a deliberate strategic change in direction, we may need to discontinue the Services in whole or in part. If we did decide to discontinue the Services in their entirety, the commitments below would apply. We will:

• Provide at least twelve (12) months' prior written notice (the “Discontinuation Notice Period”) by email to the address on file with your account, by in-App notice, and by a prominent notice on the Website;
• Continue to operate the Services on a substantially comparable basis throughout the Discontinuation Notice Period;
• Make data export tools available, or provide an export upon request, so that you may retrieve your account data (including profile content, contacts, and analytics) at any time during the Discontinuation Notice Period;
• Stop accepting new paid subscriptions, new hardware orders, and new Profile Shop transactions at a reasonable date during the Discontinuation Notice Period, which we will disclose in the notice.

13.4 Refunds on Discontinuation

If we discontinue the Services:

• Subscriptions: we will refund any prepaid subscription fees for the portion of the subscription period that falls after the effective discontinuation date, on a pro-rata basis. No refund is due for any portion of the subscription period during which the Services were available to you.
• Hardware (NFC cards): physical cards delivered to you are non-refundable once shipped — they are tangible goods you received. While they will continue to function during the Discontinuation Notice Period, you acknowledge and agree that NFC tap, QR scan, and Apple Wallet pass functionality depend on our live servers and may stop working after the discontinuation date. We make no commitment to maintain the cards' digital functionality beyond the discontinuation date.
• Personalized engraving and other custom work: non-refundable once production has started.
• Profile Shop: Buyer payments already made to Sellers are not affected by our discontinuation — they remain transactions between Buyer, Seller, and Stripe under Stripe's terms. The Anexus Connect Platform Fee is non-refundable on completed transactions, consistent with Section 5.5. Pending Buyer disputes, refunds, and chargebacks remain the responsibility of the Seller.
• We are not obligated to refund any amount in excess of what you actually paid us in the twelve (12) months preceding the effective discontinuation date, except where a higher refund is required by applicable consumer-protection law.

13.5 What Discontinuation Does Not Affect

Even after the Services are discontinued:

• Sections of these Terms that by their nature should survive (including Limitation of Liability, Indemnification, Arbitration, and Governing Law) remain in effect;
• Your obligations and ours that accrued before the discontinuation date (including any unpaid amounts and any open Profile Shop chargebacks) survive;
• We will continue to handle any personal information we still hold in accordance with the Privacy Policy and applicable law, including completing any pending data-export or deletion requests.

13.6 Assignment to a Successor

Instead of (or in addition to) discontinuing the Services, we may assign or transfer the Services, your account, and any related agreements to a successor entity (for example, in connection with a sale of the business, merger, or reorganization). If we do so, we will provide notice of the transfer, and the successor will assume our obligations under these Terms in respect of your account.

13.7 Limited Functionality Outside the Notice Period

For events outside our reasonable control (including those described in Section 18, Force Majeure), or in the event of insolvency, bankruptcy, court order, regulatory action, or comparable circumstances, we may be unable to provide twelve (12) months' notice. In such cases, we will provide as much advance notice as is reasonably practicable and will use commercially reasonable efforts to honour pro-rata refunds and data-export obligations to the extent we are able to do so under applicable law.

13.8 Corporate Continuity

All obligations under these Terms are owed by Anexus Technologies Incorporated (or its successor under Section 13.6) as a corporate entity. Nothing in these Terms creates personal liability for the founders, directors, officers, employees, or contractors of Anexus Connect, except to the extent such liability is required by applicable law and cannot be limited by agreement.

14. Limitation of Liability

14.1 What we accept responsibility for

We are responsible for operating the Services with reasonable care, for honouring the commitments we make in these Terms and in the Privacy Policy, and for the security measures we have in place. If we cause direct harm through our negligence or failure to meet those obligations, we will deal with it fairly, including through the dispute and refund processes described in these Terms.

14.2 What is outside our liability

To the maximum extent permitted by law, and subject to Section 14.4 below, Anexus Connect is not liable for:

• Indirect, incidental, special, exemplary, punitive, or consequential damages;
• Loss of profits, revenue, anticipated savings, goodwill, business opportunity, or data, whether direct or indirect;
• Service interruptions, errors, or third-party failures of the kind described in Sections 7 and 12;
• Decisions you make in reliance on AI output without independently verifying it (Section 11.5);
• Conduct of other users or third parties (including Buyers, Sellers, and integration providers) that we did not direct or authorise.

14.3 Aggregate cap

To the maximum extent permitted by law, our total aggregate liability arising out of or relating to these Terms or the Services, in any twelve (12) month period, will not exceed the greater of (a) the amount you actually paid us under these Terms during that twelve-month period, or (b) CAD $100. This cap is essential to the bargain — we have priced the Services on the assumption that it applies.

14.4 What this section does not limit

Nothing in this Section 14 limits or excludes any liability that cannot lawfully be limited or excluded, including liability for fraud, fraudulent misrepresentation, wilful misconduct, gross negligence, death or personal injury caused by our negligence, or rights you have under mandatory consumer-protection legislation.

15. Indemnification

You agree to indemnify and hold harmless Anexus Connect from claims arising out of:

• Your use of the Services
• Your content
• Your violation of these Terms

16. Disclaimer of Warranties

16.1 What we do invest in

Quality, security, and reliability are at the centre of how we operate. We use industry-standard encryption (TLS in transit, AES-256-GCM at rest for sensitive fields), enforce access controls, monitor our systems, apply security updates promptly, and continuously improve the Services. Where we discover an issue affecting users, we work to fix it as a priority.

16.2 Formal disclaimer

That said, no provider can offer absolute legal warranties about a complex online service. To the maximum extent permitted by applicable law:

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES, INCLUDING ALL CONTENT, FEATURES, AND FUNCTIONALITY, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE.

Specifically, while we work toward each of the following, we do not warrant that:

• The Services will be uninterrupted, secure, timely, or error-free;
• The results obtained from use of the Services will be accurate or reliable;
• Any defects or errors will be corrected within a specific timeframe;
• The Services or the servers that make them available are free of viruses or other harmful components;
• Third-party services or integrations (CRM, calendar, payment, AI providers) will perform as expected.

No advice or information, whether oral or written, obtained from us or through the Services shall create any warranty not expressly stated in these Terms.

16.3 Statutory rights preserved

Nothing in this Section 16 excludes or limits any warranty, condition, guarantee, or right that applies to you on a mandatory basis under consumer-protection legislation (for example, under the Consumer Protection Act of your province in Canada, or under comparable legislation elsewhere). Where such a right applies, it applies in addition to — not instead of — the commitments we set out in these Terms.

17. Binding Arbitration and Class Action Waiver

17.1 Agreement to Arbitrate

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a "Dispute") shall be resolved exclusively by final and binding arbitration, except that either party may bring an individual action in small claims court for disputes within that court's jurisdiction.

17.2 Arbitration Procedure

Arbitration shall be conducted in Ontario, Canada under the rules of the ADR Institute of Canada (ADRIC), or for users outside Canada, under the rules of the American Arbitration Association (AAA) Consumer Arbitration Rules. The arbitration shall be conducted by a single arbitrator. The language of the arbitration shall be English.

17.3 Class Action Waiver

YOU AND ANEXUS CONNECT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. Unless both parties agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

17.4 30-Day Right to Opt Out

You may opt out of this arbitration agreement by notifying us in writing at support@anexustechnologies.com within 30 days of first accepting these Terms. Your notice must include your full name, account email, and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other provision of these Terms.

17.5 Survival

This Section 17 survives any termination of your account or these Terms.

18. Force Majeure

We will not be liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, riots, civil disturbances, government actions, labor disputes, supplier failures, third-party service-provider outages (including Stripe, hosting, AI, CRM, and calendar providers), pandemics, internet or telecommunications outages, or cyberattacks. Our performance obligations under these Terms are suspended for the duration of such event.

19. Governing Law and Jurisdiction

These Terms, and any dispute arising out of or in connection with them, are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Subject to Section 17 (Arbitration), you and Anexus Connect submit to the exclusive jurisdiction of the courts located in Ontario, Canada for any matter that is not subject to arbitration.

20. Changes to Terms

We may update these Terms from time to time. When we make changes, we will update the "Effective date" at the top of this page. For material changes, we will provide reasonable advance notice (for example, by email to your account address, an in-app notice, or a prominent notice on the Website) at least 14 days before the changes take effect.

Your continued use of the Services after the effective date of revised Terms constitutes your acceptance of those Terms. If you do not agree to the revised Terms, you must stop using the Services and may close your account before the changes take effect.

21. General Provisions

21.1 Entire Agreement

These Terms, together with our Privacy Policy, Return Policy, and any other legal notices or agreements published on the Services, constitute the entire agreement between you and Anexus Connect and supersede all prior or contemporaneous communications and proposals (whether oral, written, or electronic) on the subject.

21.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable while preserving the original intent.

21.3 No Waiver

Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. No waiver is effective unless made in writing and signed by an authorized representative of Anexus Connect.

21.4 Assignment

You may not assign or transfer these Terms or any rights under them, in whole or in part, without our prior written consent. We may assign these Terms or any of our rights at any time, including in connection with a merger, acquisition, reorganization, or sale of assets. Any unauthorized assignment by you is void.

21.5 Survival

Sections that by their nature should survive termination (including, without limitation, Sections on User Content licensing, Disclaimer of Warranties, Limitation of Liability, Indemnification, Arbitration, Governing Law, and these General Provisions) will survive termination of these Terms or your account.

21.6 Relationship of the Parties

Nothing in these Terms creates an agency, partnership, joint venture, employment, or franchise relationship between you and Anexus Connect. You have no authority to bind Anexus Connect or to act on its behalf.

21.7 Third-Party Beneficiaries

These Terms are for the benefit of you and Anexus Connect only. They are not intended to confer rights on any third party.

21.8 Export Controls and Sanctions

You represent that you are not located in, under the control of, or a resident of any country or on any list maintained by the Government of Canada, the United States, or other applicable jurisdiction that restricts the export or use of software services. You agree to comply with all applicable export-control and sanctions laws.

21.9 Notices

We may give notice by email to the address associated with your account, by posting on the Services, or by any other method we reasonably select. You may give us notice by emailing support@anexustechnologies.com. Notice is effective when sent (for email) or posted (for in-Service notices).

21.10 Headings

Section headings in these Terms are for convenience only and do not affect interpretation.

21.11 Language

These Terms are written in English. Any translation is provided for convenience; the English version controls in case of any conflict.

21.12 Right to Refuse Service

We reserve the right, in our sole discretion, to refuse service, terminate accounts, remove or edit content, or cancel orders for any reason, including (without limitation) suspected fraud, abuse, breach of these Terms, or where we believe such action is necessary to protect our users, our staff, or our platform.

22. Hardware Orders, Cards, and Shipping

22.1 Order Acceptance

All hardware orders (including NFC cards in Metal Black, Stainless Steel, and the Phone Tap Card, and any engraving, packaging, or accessories — collectively, the “Hardware”) are subject to acceptance by us. We may, in our sole discretion and at any time before shipment, decline, cancel, or limit any order, including (without limitation) where we suspect fraud, suspect a billing error, suspect a pricing error, are out of stock, or are unable to fulfil for any other reason. If we cancel an order, we will refund any amount already charged.

22.2 Personalized Engraving and Custom Work

Hardware that includes personalized engraving, custom artwork, signatures, logos, or other made-to-order customization is non-returnable and non-refundable once production has begun, except where the Hardware is defective on arrival or where required by applicable law. You are responsible for the accuracy of the artwork, names, titles, and other content you submit for engraving. You represent that you own or have all necessary rights to any logo, mark, signature, or other content you submit and that its engraving on the Hardware does not infringe any third-party right. You will approve a digital proof before production; once you approve the proof, you are responsible for the content as approved.

22.3 Shipping, Risk of Loss, and Title

We ship Hardware promptly from our Ontario fulfilment facility and provide a tracking number for every order. Carrier delivery estimates are best-efforts indications based on carrier service levels — actual delivery times can vary, particularly during peak periods, customs processing, or extreme weather. Title to and risk of loss for Hardware pass to you when the Hardware is delivered to the carrier for shipment, which is standard for online retail. After that point, the carrier is in possession of the package; if it arrives damaged or goes missing in transit, please contact us at support@anexustechnologies.com — in most cases we can lodge a carrier claim on your behalf and work with you on a replacement under our Return Policy. We currently ship to addresses within Canada only; international shipping is on our roadmap.

22.4 NFC Hardware — How We Build Them and Where the Limits Are

We build our NFC cards to be carried daily — Metal Black and Stainless Steel are precision-machined, the Phone Tap Card is built to live on the back of your phone with a thin, abrasion-resistant body, and every batch is tested for tap reliability across major iOS and Android devices before it ships. With normal use, you can expect a card to keep working for years.

One thing worth knowing up front: each card has a small NFC chip and antenna embedded inside it. The chip is what makes tap, QR scan, and Apple Wallet pass work. Because it sits inside the card, the chip is protected from everyday handling — but the card itself is thin enough to bend, and a bent card means a damaged chip. Bending can happen from sitting on the card in a back pocket for long periods, pressing it against hard objects in an over-stuffed wallet, or flexing it on purpose. Once the chip's internal traces or antenna are broken this way, the card can stop being readable by phones even though it still looks intact. This is how NFC technology is built rather than a manufacturing issue, and bend-related damage falls outside our Return Policy warranty. Carry the card flat — in a wallet card slot, a card holder, or your phone case — and it should last you years.

That said, the chips themselves are small electronics. To get the most out of yours:

• Keep them within ordinary conditions. Like any consumer electronic, NFC chips can be damaged by extreme heat (above ~70°C / 160°F), extreme cold, prolonged moisture, bending, cutting, drilling, microwaving, or strong magnetic fields. They are not designed for industrial environments or laundering.
• Tap success varies by device. Reading an NFC tag depends on the other person's phone — its NFC antenna, operating system version, whether NFC is enabled, and how thick the case or wallet is. Most modern iPhones (XS and newer) and Android phones tap reliably; a few older or budget devices have weaker antennas. If a tap doesn't work, we point users to our How to tap guide.
• Digital functionality depends on our servers. Tap and QR scan resolve to a URL hosted by us, so the same uptime commitments in Section 12 apply. If we ever discontinue the Services, Section 13.4 explains what happens to existing cards.
• Wallet passes depend on Apple, Google, and Samsung. We follow each platform's published specifications and update our wallet integration when they change. If a Platform Provider changes or restricts wallet functionality, our integration may be affected in ways that are outside our control.

If a card stops working through no fault of yours within the warranty period, our Return Policy covers a free replacement.

22.5 Metal Black Finish — Wear, Patina, and Long-Term Appearance

The Metal Black card carries a hard anodized black finish bonded to precision-machined stainless steel. Like other premium coated metals — phones, watches, fountain pens — this finish develops character over time: edge wear, surface marks, or small bare spots can appear, particularly if the card is dropped, dragged across abrasive surfaces, or carried loose with keys, coins, or other metal objects. Where the finish wears through, the stainless-steel substrate underneath may become visible, and the card's appearance may change accordingly. This is an inherent characteristic of anodized and coated metals — not a manufacturing defect — and is not covered under our Return Policy unless the finish damage was present on arrival. Our brushed Stainless Steel option does not have a separate coating and so does not develop the same exposed-substrate contrast, but it too will acquire scratches, polish marks, and a natural patina from daily carry. We share this up front so you can choose the finish that best fits how you carry your card.

22.6 Returns and Replacements

Returns and replacements are governed by our Return Policy, which is incorporated into these Terms by reference. In the event of any conflict between the Return Policy and these Terms with respect to Hardware, the Return Policy controls for the specific subject matter it addresses.

22.7 Hardware Warranty

We stand behind the cards we ship. The warranty we offer is set out in our Return Policy, which covers manufacturing defects and chip failure under ordinary use, and is in addition to any rights you have on a mandatory basis under consumer-protection law (including Ontario's Consumer Protection Act and equivalent provincial statutes). Beyond those commitments, and to the maximum extent permitted by law, the Hardware is sold without further express or implied warranties — including merchantability, fitness for a particular purpose, or durability beyond ordinary expected use — because we cannot stand behind cards that have been damaged by misuse, lost, modified, or used in ways beyond what they were designed for.

23. Intellectual Property and Limited License to You

23.1 Our IP

The Services, including all software, code, design, layout, graphics, logos, text, images, audio, video, "look and feel," features, documentation, and trademarks (including "Anexus,""Anexus Connect," and any associated word marks, logos, and trade dress), and any improvements, derivative works, modifications, and translations thereof (collectively, the "Anexus IP"), are owned by Anexus Technologies Incorporated or its licensors and are protected by Canadian, U.S., and international copyright, trademark, trade-secret, patent, and other intellectual-property laws. Nothing in these Terms transfers any ownership of the Anexus IP to you.

23.2 Limited Licence to You

Subject to your compliance with these Terms, we grant you a personal, limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to access and use the Services for your own internal business or personal purposes during the term of your account. This licence ends automatically when your account is terminated, when the Services are discontinued, or when your right to use the Services is otherwise withdrawn.

23.3 Restrictions on Use

You may not (and may not allow any third party to):

• Copy, modify, translate, adapt, port, or create derivative works of the Services or the Anexus IP, except to the extent expressly permitted by applicable law;
• Distribute, transmit, broadcast, publicly display, publicly perform, publish, license, rent, lease, sell, sublicense, assign, or otherwise commercialize the Anexus IP;
• Remove or alter any proprietary notices, branding, watermarks, or attribution from any part of the Services;
• Use the Anexus IP, our name, or our trademarks in any way that suggests endorsement, sponsorship, partnership, or affiliation we have not granted in writing;
• Take any action that infringes, dilutes, tarnishes, or otherwise harms the Anexus IP or our reputation.

23.4 Reservation of Rights

All rights not expressly granted to you in these Terms are reserved by Anexus Connect and its licensors.

24. Copyright Complaints, Notice and Counter-Notice

24.1 Canada — Notice and Notice (Copyright Act, ss. 41.25–41.27)

We comply with the notice-and-notice regime under the Copyright Act (Canada). If you believe content on the Services infringes your Canadian copyright, you may send a written notice that complies with subsection 41.25(2) of the Copyright Act to support@anexustechnologies.com. On receipt of a compliant notice, we will forward it electronically to the User responsible for the content, where it is reasonably possible to do so, and retain records as required by law. Forwarding a notice is not an admission that the alleged infringement is real, and we are not required to remove the content under the notice-and-notice regime.

24.2 United States — DMCA

For copyright owners under U.S. law, we will respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act (17 U.S.C. § 512). A valid DMCA notice must include:

• A physical or electronic signature of the copyright owner or an authorized representative;
• Identification of the copyrighted work claimed to be infringed;
• Identification of the material that is claimed to be infringing, with information reasonably sufficient for us to locate it (URLs preferred);
• Your contact information (name, address, telephone, email);
• A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law;
• A statement, under penalty of perjury, that the information in the notice is accurate and that you are the owner or are authorized to act on the owner's behalf.

Send valid DMCA notices to: support@anexustechnologies.com (subject: "DMCA Notice").

24.3 Counter-Notice

If your content was removed or access disabled because of a DMCA notice and you believe it was a mistake, you may submit a counter-notice that meets the requirements of 17 U.S.C. § 512(g) to the same address. We will forward the counter-notice to the complaining party as required by law.

24.4 Repeat-Infringer Policy

We will, in appropriate circumstances, suspend or terminate the accounts of Users who are determined to be repeat infringers. We may also remove content or restrict accounts at any time where we receive multiple credible complaints or otherwise have a reasonable basis to believe infringement is occurring.

24.5 Misrepresentation

Submitting a knowingly false copyright notice or counter-notice may subject you to liability under applicable law. Please consider consulting legal counsel before submitting a notice.

25. Communications, Electronic Notices, and Anti-Spam (CASL)

25.1 Transactional Communications

By creating an account or making a purchase, you consent to receive transactional and service-related communications by email, in-App notice, or other electronic means. These include (without limitation) account confirmations, billing notices, security alerts, password resets, order updates, refund notices, dispute notices, policy-change notices, and notices required by law. You may not opt out of transactional communications while your account remains active.

25.2 Marketing and Commercial Electronic Messages

We will only send commercial electronic messages (marketing, promotions, newsletters, product announcements, etc.) where we have your express or implied consent under Canada's Anti-Spam Legislation (“CASL”), the U.S. CAN-SPAM Act, the EU ePrivacy Directive, or other applicable laws, as relevant to you. By signing up for our newsletter or opting in at signup, you provide express consent. Every commercial message we send will:

• Identify the sender and our business contact information;
• Include a working, prominent unsubscribe mechanism;
• Honour unsubscribe requests promptly (and in any event within ten (10) business days for CASL).

25.3 SMS / Text Messages

If we offer SMS or text-message communications, the carrier's standard message and data rates may apply. You may opt out at any time by replying STOP (or following the instructions in any message) to the originating number.

25.4 Electronic Notices to You

You agree that we may give you notice by email to the address associated with your account, by an in-App notice, or by a posting on the Website, and that such notice is sufficient and effective for all purposes under these Terms. It is your responsibility to keep your email address current. If your email becomes invalid and we are unable to deliver notice, the notice is nevertheless deemed effective when sent.

26. Apple Wallet, Google Wallet, and Other Mobile Platforms

26.1 No Affiliation

Anexus Connect is not affiliated with, sponsored by, or endorsed by Apple Inc., Google LLC, Samsung Electronics Co., Ltd., or any other operating-system, device, or wallet-platform provider (collectively, “Platform Providers”). References to Apple Wallet, Apple Watch, Google Wallet, iCloud, Google Calendar, Microsoft Outlook, and similar services describe interoperability only.

26.2 Wallet Passes

When you add an Anexus pass to Apple Wallet, Google Wallet, or another wallet, we generate the pass to each platform's published specification and deliver it to the Platform Provider, which then stores and renders it on your device. After that handoff, pass behaviour — when it shows, how it updates, whether NFC or QR is presented — is controlled by the Platform Provider, your device, and your wallet settings. Because those layers are outside our control, we cannot warrant that wallet-pass functionality will be uninterrupted, that updates will be received within any particular timeframe, or that wallet support will continue indefinitely. If a Platform Provider changes or restricts wallet functionality, our integration may be affected — when that happens, we update our implementation as quickly as practicable.

26.3 Platform Providers Are Not Third-Party Beneficiaries — Except as Required

Where Apple, Google, or another Platform Provider's terms require that its end-user licence agreement (“EULA”) or platform terms be incorporated, those terms apply between you and the Platform Provider, not between you and Anexus Connect. In the event of a conflict between such Platform Provider terms and these Terms with respect to a specific platform, the Platform Provider's terms control as between you and that Platform Provider.

26.4 Platform Provider Decisions Are Outside Our Control

We work to keep our integrations with each Platform Provider current and reliable, but we cannot make commitments on their behalf. To the maximum extent permitted by law, Anexus Connect is not responsible for the acts, omissions, failures, downtime, changes, or policies of any Platform Provider. If a Platform Provider deprecates or restricts a feature we rely on (for example, wallet pass support), our team will work to find an alternative, but the loss of that platform-dependent functionality does not give rise to a claim against Anexus Connect.

27. Quebec Language, Electronic Acceptance, and Severability of Class-Action Waiver

27.1 Quebec — Choice of Language and Right to a French Copy

English version controls. The parties have expressly required that these Terms and all related documents (including the Privacy Policy and Return Policy) be drafted in English.

Choix de la langue. Les parties ont expressément exigé que la présente convention ainsi que tous les documents qui s'y rapportent (y compris la politique de confidentialité et la politique de retour) soient rédigés en anglais.

Right to a French translation. If you are a resident of Quebec, you have the right to request a French-language translation of these Terms, the Privacy Policy, and the Return Policy, in keeping with the spirit of Quebec's Charter of the French Language (including amendments under An Act respecting French, the official and common language of Québec, commonly "Bill 96"). To request one, contact us at support@anexustechnologies.com with the subject line "French translation request." We will provide a French version at no cost.

Droit à une traduction française. Si vous résidez au Québec, vous avez le droit de demander une version française des présentes conditions, de la politique de confidentialité et de la politique de retour. Pour en faire la demande, écrivez-nous à support@anexustechnologies.com avec l'objet « Demande de traduction française ». Nous vous fournirons gratuitement une version française.

27.2 Electronic Acceptance and Records

You consent to enter into electronic contracts and to receive electronic records and electronic signatures in lieu of paper documents. By clicking "I agree," creating an account, completing a purchase, or otherwise using the Services after notice of these Terms, you indicate your acceptance of these Terms. Electronic records of your acceptance and account activity (including timestamps, IP addresses, and device identifiers) constitute valid and binding evidence in any proceeding.

27.3 Quebec — Carve-Out from Class-Action Waiver

Notwithstanding Section 17.3 (Class Action Waiver), if you are a "consumer" within the meaning of the Consumer Protection Act (Quebec) or are otherwise resident in Quebec and the class-action waiver would be unenforceable against you, the waiver does not apply to you and you retain any rights to class-action remedies provided by Quebec law. The remainder of Section 17 (Arbitration) continues to apply to the maximum extent permitted by law.

27.4 Other Mandatory Consumer Protections

Nothing in these Terms is intended to exclude, restrict, or modify any non-excludable right or remedy you have as a consumer under the laws of your province or country of residence (including, in Canada, Ontario's Consumer Protection Act, 2002, Quebec's Consumer Protection Act, British Columbia's Business Practices and Consumer Protection Act, and equivalent legislation in other provinces). To the extent a provision of these Terms is unenforceable against you because of such mandatory protection, that provision is modified to the minimum extent necessary to comply with the mandatory law and the remainder continues in effect.

28. Contact Information

For questions:

Email:support@anexustechnologies.com

• Website:https://www.anexusconnect.com
• App:https://app.anexusconnect.com

Our Privacy Policy explains how we handle personal information.

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