Welcome to KatalystIQ (“Platform”, “Service”), operated by Naga Info Solutions Pvt. Ltd. (“Company”, “we”, “our”, or “us”).

These Terms & Conditions (“Terms”) govern your access to and use of the KatalystIQ platform, website, applications, APIs, managed services, AI-powered tools, and any related services provided by the Company.

By accessing, registering for, purchasing, or using any part of the Platform, you acknowledge that you have read, understood, and agree to be legally bound by these Terms.

If you do not agree to these Terms, you must not access or use the Platform.

1. Definitions

For the purposes of these Terms:

Account means the registered profile used to access the Platform.

AI Provider means any third-party artificial intelligence provider connected to the Platform including, but not limited to, OpenAI, Anthropic, Google Gemini, or any future supported provider.

Customer, You, and Your refer to any individual or organization accessing or using the Platform.

Company refers to Naga Info Solutions Pvt. Ltd., the owner and operator of KatalystIQ.

Content means any information, documents, images, text, prompts, data, files, audio, video, code, or other materials uploaded or generated through the Platform.

Lead Machine refers to an automated workflow or AI-powered process configured within KatalystIQ for identifying, qualifying, enriching, or engaging prospective customers.

Platform refers collectively to:

• KatalystIQ website
• Web application
• APIs
• AI workflows
• Lead Machines
• Automation services
• Managed implementation services
• Future software modules

Subscription means any recurring paid access to the Platform.

Velocity means KatalystIQ Velocity, the Company’s professional implementation and managed services offering.

2. Acceptance of Terms

By using the Platform, you represent and warrant that:

• You are at least 18 years of age.
• You have the legal authority to enter into these Terms.
• If acting on behalf of a company or organization, you have authority to bind that organization.
• You will comply with all applicable laws and regulations.

These Terms constitute a legally binding agreement between you and the Company.

3. Changes to These Terms

We reserve the right to modify these Terms at any time.

Updated Terms become effective immediately upon publication unless otherwise stated.

Material changes may be communicated through:

• Email
• Platform notifications
• Website announcements

Your continued use of the Platform after changes become effective constitutes acceptance of the revised Terms.

If you disagree with any revised Terms, you must discontinue use of the Platform.

4. Description of Services

KatalystIQ is an AI-powered revenue growth platform that assists businesses with customer acquisition, sales automation, workflow automation, business intelligence, and AI-driven productivity.

Depending on your subscription, the Platform may include services such as:

• AI Lead Generation
• Lead Machines
• Buying Signal Detection
• AI Qualification
• AI Personalization
• AI SDR Workflows
• Workflow Automation
• CRM Integrations
• Email Automation
• LinkedIn Automation
• WhatsApp Integrations
• Voice AI Integrations
• Data Enrichment
• Knowledge Base Management
• Reporting & Analytics
• AI Agents
• API Access
• Future Platform Features

Platform capabilities may evolve over time as new functionality becomes available.

5. KatalystIQ Velocity Services

The Company also offers professional implementation services under the KatalystIQ Velocity brand.

Velocity may include services such as:

• Business discovery sessions
• AI strategy consulting
• Knowledge base creation
• Lead Machine development
• Workflow implementation
• CRM integration
• Third-party software integration
• Automation configuration
• AI prompt engineering
• Staff training
• Performance optimization
• Ongoing consulting

Velocity is a professional service and may be subject to separate Statements of Work, proposals, quotations, or service agreements.

Delivery timelines depend on project complexity and customer responsiveness.

6. Account Registration

To access certain Platform features, you may be required to create an Account.

You agree to provide accurate, complete, and current information during registration.

You are responsible for:

• Maintaining the confidentiality of your credentials
• Restricting access to your account
• All activities occurring under your account
• Promptly notifying us of unauthorized access

We reserve the right to suspend or terminate accounts containing false, misleading, or incomplete information.

7. Eligibility

The Platform is intended for businesses, organizations, entrepreneurs, consultants, and professionals.

You may not use the Platform if:

• Your use violates applicable laws.
• You have previously been suspended or terminated.
• You are prohibited from receiving our services under applicable sanctions or export laws.
• You intend to use the Platform for illegal, fraudulent, deceptive, or harmful purposes.

8. Customer Responsibilities

You agree to:

• Provide accurate business information.
• Maintain current billing information.
• Secure your login credentials.
• Use the Platform responsibly.
• Ensure compliance with applicable laws.
• Obtain all necessary permissions before processing third-party data.
• Maintain backups of important information where appropriate.

You are solely responsible for all activities performed using your Account.

9. Acceptable Use

You agree to use KatalystIQ only for lawful business purposes.

You must not use the Platform to:

• Violate any law or regulation.
• Send spam or unsolicited communications.
• Harvest personal information unlawfully.
• Impersonate another person or organization.
• Distribute malware or malicious software.
• Engage in phishing or fraud.
• Interfere with Platform operations.
• Circumvent security mechanisms.
• Attempt unauthorized access.
• Reverse engineer the Platform except where permitted by law.
• Upload unlawful, defamatory, obscene, or infringing content.
• Use the Platform to facilitate illegal activities.

Violation of this section may result in immediate suspension or termination without prior notice.

10. Customer Content

You retain ownership of all data, documents, prompts, files, business information, customer records, and other materials you upload to the Platform.

By uploading Content, you grant the Company a limited, non-exclusive, worldwide license to:

• Store
• Process
• Display
• Transmit
• Analyze
• Backup

such Content solely for the purpose of providing and improving the Services.

You represent and warrant that:

• You own the Content or have the necessary rights to use it.
• Uploading the Content does not infringe the rights of any third party.
• Your Content complies with applicable laws.

The Company does not claim ownership of your Content.

11. Subscription Plans

KatalystIQ offers subscription plans that provide access to the Platform and its capabilities.

Subscription plans may differ based on factors including, but not limited to:

• Monthly lead processing capacity
• Included platform resources
• Support levels
• Enterprise services
• Other commercial considerations published by the Company

Unless explicitly stated otherwise, all Platform features are available across all subscription plans. Subscription tiers are primarily differentiated by processing capacity and related service limits rather than feature availability.

The Company reserves the right to introduce, modify, or discontinue subscription plans at any time.

12. One-Time Implementation Services

Access to the Platform may require an initial implementation and onboarding process.

Implementation services may include:

• Business discovery workshops
• Knowledge base creation
• AI configuration
• Lead Machine development
• Workflow creation
• CRM integrations
• Third-party integrations
• Testing and quality assurance
• User onboarding
• Team training

Implementation services are billed separately unless otherwise agreed in writing.

Implementation fees are generally non-refundable once work has commenced.

13. Subscription Fees

Subscription fees are charged in advance on a recurring basis.

Unless otherwise stated:

• Fees are billed monthly or annually.
• Subscription fees are exclusive of applicable taxes.
• Prices may change upon renewal with prior notice.
• Currency will be specified during checkout or in your quotation.

Failure to pay subscription fees may result in suspension or termination of Services.

14. Payment Terms

You authorize the Company or its payment processors to charge your selected payment method for all applicable fees.

You agree to maintain:

• Valid payment information
• Current billing details
• Sufficient funds for recurring charges

If payment fails, we may:

• Retry the payment
• Suspend access
• Limit Platform functionality
• Terminate the subscription after reasonable notice

You remain responsible for all outstanding amounts.

15. Automatic Renewal

Unless cancelled before the renewal date, subscriptions automatically renew for successive billing periods.

By subscribing, you authorize recurring billing until cancellation.

You may cancel future renewals through your account or by contacting us.

Cancellation prevents future billing but does not automatically entitle you to a refund for the current billing period.

16. Cancellation

Customers may cancel their subscription at any time.

Upon cancellation:

• Access continues until the end of the paid subscription period unless otherwise specified.
• No additional recurring charges will be applied after cancellation.
• Platform access may be suspended or removed after expiration.

Implementation services already delivered remain payable.

17. Refund Policy

Unless required by applicable law or expressly agreed in writing:

• Subscription fees are non-refundable.
• Partial billing periods are not refunded.
• Unused subscriptions are not refundable.
• One-time implementation fees are non-refundable after work has commenced.
• Consulting services are non-refundable once delivered.

The Company may issue discretionary refunds on a case-by-case basis without creating an obligation to do so in future cases.

18. Fair Usage Policy

Certain subscription plans may be marketed as “Unlimited.”

Unlimited plans are intended for legitimate business use.

To ensure reliable performance for all customers, unlimited plans remain subject to a Fair Usage Policy.

Examples of activity that may be considered excessive include:

• Abnormally high automated processing
• Platform abuse
• Excessive resource consumption
• Attempts to bypass platform limitations
• Activities that negatively affect overall platform performance

Where Fair Usage limits are exceeded, the Company may:

• Contact the Customer
• Recommend a more suitable plan
• Apply reasonable usage controls
• Suspend abusive activity
• Require migration to an enterprise agreement

The Company will make reasonable efforts to work collaboratively with Customers before applying restrictions.

19. Bring Your Own AI Providers (BYO AI)

KatalystIQ supports integration with third-party AI providers.

Customers may connect their own accounts with providers including, but not limited to:

• OpenAI
• Anthropic
• Google Gemini
• Future supported providers

The Company does not control:

• AI pricing
• Token usage
• API availability
• AI-generated content
• AI provider policies

Customers are solely responsible for maintaining active accounts with their chosen AI providers and paying all associated fees directly to those providers.

20. Third-Party Services

The Platform integrates with numerous third-party products and services.

Examples include:

• CRM platforms
• Email providers
• Communication platforms
• Voice providers
• Messaging providers
• Data enrichment providers
• Marketing platforms
• Calendar systems
• Cloud storage providers

These services are governed by their own terms and privacy policies.

The Company is not responsible for:

• Third-party outages
• Pricing changes
• API limitations
• Service interruptions
• Policy changes
• Data loss caused by third-party providers

21. Third-Party Fees

Certain Platform functionality depends on external providers.

Examples include:

• AI usage
• Email sending
• Voice calls
• SMS
• WhatsApp messaging
• Data enrichment
• CRM subscriptions
• Cloud infrastructure
• Domain services

Unless expressly stated otherwise, such costs are not included in Platform subscription fees.

Customers remain solely responsible for all charges imposed by third-party providers.

22. Platform Availability

The Company aims to provide reliable Platform availability but does not guarantee uninterrupted service.

Availability may be affected by:

• Scheduled maintenance
• Emergency maintenance
• Third-party outages
• Internet disruptions
• Infrastructure failures
• Security incidents
• Force majeure events

The Company may temporarily suspend access to perform maintenance, upgrades, or emergency repairs.

Reasonable efforts will be made to minimize disruption whenever practicable.

23. Beta Features

From time to time, the Company may release beta, preview, experimental, or early access features.

Beta features:

• May contain bugs
• May change without notice
• May be discontinued
• May not be suitable for production use

Beta features are provided “as is” without warranties of any kind.

Customers use beta functionality at their own risk.

24. Platform Updates

The Company continuously improves the Platform.

Updates may include:

• New functionality
• Performance improvements
• Security enhancements
• AI model updates
• User interface improvements
• Bug fixes
• Feature modifications

The Company may modify or discontinue features without prior notice where reasonably necessary to maintain, improve, or secure the Platform.

25. License to Use the Platform

Subject to these Terms and payment of all applicable fees, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for your internal business purposes.

This license does not grant ownership of the Platform or any intellectual property rights.

You may not:

• Sell or resell the Platform.
• Lease or sublicense access.
• Copy or reproduce the Platform except as permitted by law.
• Modify or create derivative works.
• Reverse engineer, decompile, or disassemble the Platform except where expressly permitted by applicable law.
• Remove copyright, trademark, or proprietary notices.
• Use the Platform to develop a competing product or service.

Any rights not expressly granted remain reserved by the Company.

26. Intellectual Property

The Platform and all associated intellectual property are owned exclusively by the Company or its licensors.

This includes, without limitation:

• Software
• Source code
• User interfaces
• Platform design
• Branding
• Logos
• Documentation
• AI workflows
• Lead Machine templates
• Prompt libraries
• Algorithms
• Reports
• Dashboards
• Training materials
• Website content

Nothing contained in these Terms transfers ownership of any intellectual property to the Customer.

27. Customer Intellectual Property

The Customer retains ownership of:

• Business information
• Documents
• Logos
• Brand assets
• Sales materials
• Knowledge bases
• Customer databases
• Uploaded content
• Proprietary workflows created independently of the Platform

The Company acquires no ownership rights over Customer intellectual property.

28. Feedback

Customers may voluntarily provide suggestions, ideas, feature requests, recommendations, or other feedback regarding the Platform.

By submitting feedback, you grant the Company a perpetual, worldwide, royalty-free, irrevocable license to use, modify, publish, commercialize, and incorporate such feedback without restriction or compensation.

The Company is under no obligation to implement any feedback received.

29. Confidential Information

Each party may receive confidential information from the other during the course of the business relationship.

Confidential Information includes, but is not limited to:

• Business plans
• Sales strategies
• Customer lists
• Pricing information
• Technical documentation
• Product roadmaps
• Software architecture
• Trade secrets
• Financial information
• API credentials
• Internal processes

Confidential Information does not include information that:

• Is publicly available through no fault of the receiving party.
• Was already lawfully known before disclosure.
• Is independently developed without reference to confidential information.
• Is lawfully obtained from another source.

Each party agrees to:

• Protect confidential information using reasonable care.
• Use confidential information only for purposes related to the Services.
• Limit disclosure to employees, contractors, or advisers with a legitimate need to know.

These obligations survive termination of the Agreement.

30. Data Processing

The Platform processes Customer data solely to provide the Services.

Processing activities may include:

• Storage
• Retrieval
• AI analysis
• Workflow execution
• Reporting
• Integrations
• Automation
• Backups
• Security monitoring

The Company will process Customer data only in accordance with applicable privacy laws and its Privacy Policy.

Customers remain responsible for ensuring they have lawful authority to process any personal data submitted to the Platform.

31. Customer Data Responsibility

Customers are solely responsible for:

• The accuracy of uploaded data.
• Obtaining necessary permissions.
• Complying with applicable privacy laws.
• Managing user access.
• Maintaining appropriate internal security practices.

The Company does not verify the legality or accuracy of Customer data.

32. Data Retention

Customer data will generally remain available while an active subscription exists.

Following termination or expiration of Services, the Company may:

• Retain data for a reasonable period to facilitate account recovery or legal compliance.
• Delete Customer data after applicable retention periods.
• Anonymize certain information for analytics and service improvement.

Customers are encouraged to export important data before terminating their subscription.

The Company is not responsible for data retained beyond applicable retention periods unless required by law.

33. Security

The Company implements reasonable administrative, technical, and organizational measures designed to protect Customer data.

Security measures may include:

• Encryption in transit where supported
• Authentication controls
• Access controls
• Infrastructure monitoring
• Backup procedures
• Security updates
• Vulnerability management

No internet-based system is completely secure.

Accordingly, the Company cannot guarantee absolute security.

Customers remain responsible for:

• Strong passwords
• Multi-factor authentication where available
• Secure endpoint devices
• Internal access controls

34. AI-Generated Content

The Platform utilizes artificial intelligence provided by both the Company and third-party AI providers.

AI-generated outputs may include:

• Lead recommendations
• Sales messaging
• Prospect insights
• Personalization suggestions
• Workflow recommendations
• Business analysis
• Generated documents
• Marketing content

AI-generated content may:

• Contain inaccuracies
• Be incomplete
• Become outdated
• Produce unexpected results
• Require human review

Customers remain solely responsible for reviewing, validating, and approving all AI-generated outputs before relying on or distributing them.

The Company does not guarantee the accuracy, completeness, or suitability of AI-generated content.

35. AI Decision-Making

The Platform is intended to assist human decision-making and should not replace professional judgment.

Customers remain solely responsible for decisions relating to:

• Sales
• Marketing
• Customer engagement
• Hiring
• Compliance
• Business strategy
• Financial decisions
• Legal obligations

The Company is not responsible for business outcomes resulting from Customer reliance on AI-generated recommendations.

36. Compliance with Communication Laws

Customers are solely responsible for ensuring that all communications initiated through the Platform comply with applicable laws.

This includes, where applicable:

• Email marketing laws
• Anti-spam legislation
• Telemarketing regulations
• SMS regulations
• WhatsApp Business policies
• LinkedIn terms of service
• Consumer protection laws
• Privacy legislation

Customers must obtain all required permissions and consents before contacting individuals.

37. Anti-Spam Policy

The Platform may be used for legitimate business outreach.

Customers agree not to use the Platform to:

• Send unsolicited bulk communications in violation of applicable law.
• Send deceptive or misleading messages.
• Conceal sender identity.
• Harvest email addresses unlawfully.
• Circumvent unsubscribe mechanisms.
• Conduct phishing or fraudulent campaigns.

The Company reserves the right to suspend accounts engaged in abusive communication practices.

38. API Usage

Where API access is provided, Customers agree to:

• Keep API credentials secure.
• Avoid excessive requests that negatively affect Platform performance.
• Use APIs only for authorized purposes.
• Comply with published technical documentation.
• Avoid attempts to bypass API limitations or security mechanisms.

The Company may modify, suspend, or discontinue APIs at any time.

39. Third-Party Platform Policies

Certain integrations depend upon external platforms such as CRM systems, AI providers, email providers, messaging services, and social networks.

Customers agree to comply with all applicable third-party terms of service.

The Company is not responsible for:

• Suspension of third-party accounts.
• Changes to third-party APIs.
• Restrictions imposed by external providers.
• Account bans resulting from Customer activities.

40. Privacy Policy

The Company’s collection and use of personal information are governed by the KatalystIQ Privacy Policy.

By using the Platform, you acknowledge that you have read and understood the Privacy Policy.

In the event of any inconsistency between these Terms and the Privacy Policy regarding personal data handling, the Privacy Policy shall govern to the extent of such inconsistency.

41. Suspension of Services

The Company may suspend access to the Platform immediately, with or without prior notice, if:

• These Terms are violated.
• Payment obligations are not met.
• Fraudulent or illegal activity is suspected.
• Customer activity presents a security risk.
• Customer use negatively impacts Platform stability.
• Required by law or regulatory authorities.
• Necessary to protect the Platform, other customers, or third parties.

Where reasonably practicable, the Company will notify the Customer of the suspension and provide an opportunity to remedy the issue.

Suspension does not relieve the Customer of any payment obligations accrued prior to suspension.

42. Termination

The Company may terminate this Agreement immediately if:

• The Customer materially breaches these Terms.
• Payment remains outstanding after reasonable notice.
• The Customer engages in unlawful conduct.
• Fraudulent or abusive activity is detected.
• Continued access creates legal, security, or operational risks.

Customers may terminate their subscription in accordance with the cancellation provisions of these Terms.

Termination does not affect rights or obligations that accrued prior to termination.

43. Effect of Termination

Upon termination:

• Customer access to the Platform may be revoked.
• API credentials may be disabled.
• Integrations may cease functioning.
• Future subscription renewals will stop.
• Certain Customer data may be deleted in accordance with the Data Retention Policy.

Termination does not relieve either party from obligations intended to survive termination, including but not limited to:

• Payment obligations
• Confidentiality
• Intellectual property rights
• Limitation of liability
• Indemnification
• Governing law
• Dispute resolution

44. Service Availability

The Company aims to provide reliable and continuously improving services.

However, the Platform is provided on a commercially reasonable efforts basis.

The Company does not guarantee:

• Continuous availability
• Error-free operation
• Uninterrupted access
• Compatibility with every third-party service
• Availability of specific features
• Future availability of beta functionality

Scheduled maintenance, upgrades, emergency repairs, and events beyond the Company’s control may affect service availability.

45. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Platform and all related services are provided on an “AS IS” and “AS AVAILABLE” basis.

The Company expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy
• Reliability
• Availability
• Performance
• Compatibility

The Company does not warrant that:

• The Platform will meet every business requirement.
• AI-generated outputs will always be accurate.
• Lead recommendations will result in sales.
• Sales campaigns will achieve particular outcomes.
• Revenue growth will occur.
• Integrations will remain permanently available.

Customers acknowledge that business outcomes depend upon numerous factors outside the Company’s control.

46. Limitation of Liability

To the fullest extent permitted by applicable law, the Company’s total aggregate liability arising out of or relating to these Terms shall not exceed the total subscription fees actually paid by the Customer to the Company during the twelve (12) months immediately preceding the event giving rise to the claim.

In no event shall the Company be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages, including but not limited to:

• Loss of profits
• Loss of revenue
• Loss of business opportunities
• Loss of goodwill
• Business interruption
• Loss of data
• Loss of anticipated savings
• Loss of customers
• Reputational damage

This limitation applies regardless of the legal theory upon which the claim is based.

47. Customer Indemnification

The Customer agrees to defend, indemnify, and hold harmless the Company, its directors, employees, contractors, affiliates, and partners from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or relating to:

• Violation of these Terms.
• Customer Content.
• Customer misuse of the Platform.
• Breach of applicable laws.
• Infringement of third-party rights.
• Communications sent through the Platform.
• Data uploaded by the Customer.
• Unauthorized use of third-party services.

The Company reserves the right to assume exclusive control of any matter subject to indemnification.

48. Force Majeure

The Company shall not be liable for delays or failures in performance caused by events beyond its reasonable control, including but not limited to:

• Natural disasters
• Floods
• Earthquakes
• Fires
• Epidemics or pandemics
• Government actions
• Civil unrest
• Terrorist acts
• Labor disputes
• Utility failures
• Internet outages
• Cloud infrastructure failures
• Cyberattacks
• AI provider outages
• Third-party API failures

Performance shall be suspended for the duration of the force majeure event.

49. Export Controls and Sanctions

Customers agree to comply with all applicable export control laws, trade restrictions, and economic sanctions.

The Platform may not be used:

• In jurisdictions prohibited by applicable law.
• By sanctioned individuals or entities.
• For prohibited military, nuclear, or unlawful purposes.

The Company reserves the right to restrict access where required by law.

50. Assignment

Customers may not assign, transfer, sublicense, or otherwise transfer their rights or obligations under these Terms without the Company’s prior written consent.

The Company may assign or transfer these Terms in connection with:

• Corporate restructuring
• Merger
• Acquisition
• Sale of assets
• Business reorganization

51. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.

52. Dispute Resolution

The parties agree to attempt to resolve disputes through good-faith negotiations before initiating legal proceedings.

If a dispute cannot be resolved amicably within a reasonable period, either party may pursue remedies available under applicable law.

Unless otherwise required by applicable law, the courts having jurisdiction over the registered office of the Company shall have exclusive jurisdiction over disputes arising from these Terms.

53. Electronic Communications

By creating an account or using the Platform, you consent to receive communications electronically, including:

• Service notifications
• Billing notices
• Security alerts
• Legal notices
• Product updates
• Support communications

Electronic communications satisfy any legal requirement that communications be in writing.

54. Entire Agreement

These Terms, together with the Privacy Policy, any applicable Statements of Work, quotations, subscription agreements, order forms, and other written agreements between the parties, constitute the entire agreement regarding the use of the Platform.

They supersede all prior oral or written communications relating to the subject matter.

55. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

The invalid provision shall be interpreted, to the extent possible, in a manner that most closely reflects the original intent.

56. Waiver

Failure by the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or any other rights.

Any waiver must be in writing and signed by an authorized representative of the Company.

57. Independent Relationship

Nothing contained in these Terms creates:

• A partnership
• Joint venture
• Agency relationship
• Employment relationship
• Franchise

between the Company and the Customer.

Each party acts as an independent contractor.

58. Survival

The following provisions survive termination of these Terms to the extent necessary to give them effect:

• Intellectual Property
• Confidentiality
• Payment Obligations
• Limitation of Liability
• Indemnification
• Governing Law
• Dispute Resolution
• Data Retention
• Privacy
• Any other provisions intended by their nature to survive termination.

59. Contact Information

If you have questions regarding these Terms & Conditions, please contact:

Naga Info Solutions Pvt. Ltd.

KatalystIQ

Website: https://katalystiq.io

Email:support@nagainfo.com

60. Acceptance

By accessing or using the KatalystIQ Platform, creating an account, purchasing a subscription, or using any related services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.