“AIBI” means the technology provider that makes available the Platform, Software and Services under these Terms.
“Client” means the person or entity that accepts these Terms, for whom an Account is opened, and that accesses or uses the Platform or receives the Services.
“Account” means the Client’s account in the Platform, whether created, opened, registered, activated, or generated by AIBI, by the Client, by an Authorised User, or automatically through the Platform, including through any self service sign up, checkout, onboarding, or activation process, for access to and use of the Platform and related Services.
“Authorised Person” means a person authorised to accept these Terms or otherwise act on behalf of the Client in relation to the Platform or Services.
“Authorised User” or “User” means any individual to whom the Client gives access to the Platform or Software, or who uses the Platform, Software, or Login Credentials on the Client’s behalf.
“Software and Services” means the Platform and the related software and services AIBI provides, including reporting, maintenance, hosting, support, consultation, training, and any additional services AIBI makes available.
“Data” means any data, information, notifications, records, credentials, or other materials provided, exported, transmitted, made available, or disclosed by or on behalf of the Client to AIBI in connection with the Platform or Services.
“Login Credentials” means the usernames, passwords, access details, tokens, or other credentials issued by AIBI or used for access to the Account, Platform, or Software.
“Reports” means any tailored, off the shelf, automated, generated, or other reports, outputs, or reporting results made available by AIBI through the Platform, Software, or Services.
“Recipient” means any person, entity, authority, counterparty, partner, or system to whom Data, reports, outputs, notifications, or related communications are sent, made available, or transferred in connection with the Services. “Recipients” means more than one of them.
“Third Party” means any person or entity other than AIBI and the Client, including external service providers, contractors, payment processors, software providers, API providers, telecommunications providers, utilities, partners, or other outside dependencies. “Third Parties” means more than one of them.
“AIBI Intellectual Property” means the Platform, reports, software, services, and all related components and materials, including APIs, UI designs, code, layouts, trade secrets, branding, graphics, related content, and all other intellectual property rights owned by AIBI, its partners, or its licensors.
“Fees” means all fees, charges, expenses, taxes, setup fees, monthly fees, per active account fees, hourly fees, and other amounts payable by the Client to AIBI under these Terms, Schedule B, or AIBI’s communications.
“Schedule B” means the pricing, fee, and charge schedule referred to in these Terms, setting out applicable Fees and other charges for the Software and Services.
“Due Date” means the date specified by AIBI for payment of an invoice, charge, or other amount due under these Terms, and if no date is specified, the date determined by AIBI in the applicable billing communication or invoice.
“Event of Default” means any event described in clause 22.2, including insolvency or similar proceedings, change in control or suspension of operations, enforcement against Client assets, failure to pay within 7 calendar days, and any other reason AIBI may reasonably determine. “Events of Default” means more than one of them.
“Force Majeure” means any cause beyond AIBI’s reasonable control that delays, prevents, or makes AIBI unable to perform its obligations, including failures of the Platform or Servers and other external or uncontrollable events.
“Business Day” means a day other than a Saturday, Sunday, or public holiday in Cyprus.
“Written Notice” means a notice given in writing in accordance with the notices clause, including by email, post, courier, airmail, or other written method AIBI permits under these Terms.
“Confidential Information” or “AIBI Confidential Information” means any non public information concerning AIBI, the Platform, the Software and Services, AIBI’s business, operations, technology, materials, records, communications, or other information that by its nature or context ought reasonably be treated as confidential.
“Authorised Contact” means a contact person designated by a party for dispute resolution, escalation, notices, or operational communications under these Terms. “Authorised Contacts” means more than one of them.
“Real Time” or “Real-Time” means near real time, with a delay of up to 5 minutes.
“VAT” means value added tax and any equivalent sales, consumption, or indirect tax payable at the applicable rate under applicable law.
“SLA” means a separate written service level agreement signed by AIBI that expressly sets out any agreed availability percentage, response time, or service level.
“Personal Data” means any Data that qualifies as personal data under applicable law.
“Non Personal Data” means any data that is not Personal Data, including data AIBI receives, accesses, observes, extracts, generates, or derives in connection with the Platform or Services, including aggregated data, analytics outputs, benchmarks, metadata, usage data, performance data, learnings, and transformations or derivatives of that data.

2.1 These Terms and Conditions govern your access to and use of the AIBI Platform and services, including the browser based platform interface, reports, maintenance, hosting, support, consultation, training, and any additional services AIBI makes available.
2.2 You accept these Terms by any of the following: creating an Account, accessing or using the Platform, authorising an Authorised Person to act for you, paying any fees, or continuing to use the Platform after updates. If you do not agree, do not use the Platform or services.
2.3 Only an Authorised Person may accept these Terms on behalf of the Client. The Client is responsible for all actions of its Authorised Persons and Users.
2.4 Capitalised terms have the meanings given in the Definitions used for AIBI’s Platform and services.
2.5 AIBI may amend these Terms at any time, with notice where AIBI chooses to provide it. If you keep using the Platform after the effective date of the change, you are treated as having accepted the change.
2.6 Any client purchase order terms, vendor onboarding terms, or similar client terms are rejected and have no effect unless AIBI expressly accepts them in writing.

3.1 AIBI provides the Software and Services described for the Platform and reporting system, including tailor made reports, off the shelf automated reports, and consultation and training, plus maintenance, hosting, and support where applicable.
3.2 AIBI provides services only in respect of the current Platform release and may upgrade the Platform at intervals at AIBI’s sole discretion.
3.3 The Client must provide access to Data and required access credentials or information. Reports cannot be generated until AIBI has the needed access.
3.5 Scheduled maintenance may make the Platform inaccessible, including weekend maintenance or urgent maintenance.
3.6 Exclusions: AIBI is not required to provide support for issues caused by Platform modifications not made or approved by AIBI, use outside AIBI specifications, or issues caused by client hardware, client software, or third party software or services.

4.1 AIBI may open, create, register, activate, or generate an Account for the Client in the Platform, and an Account may also be created, registered, activated, or generated by the Client, an Authorised User, or automatically through the Platform, including through any self service sign up, checkout, onboarding, or activation process. AIBI may issue or enable Login Credentials in the manner AIBI considers appropriate.
4.2 The Client must keep Login Credentials confidential, must not disclose them to any third party, and must notify AIBI immediately if it knows or suspects the credentials may have been exposed.
4.3 The Client is fully responsible for all activity under its Login Credentials and for any credentials it issues to its own users through the Software. AIBI bears no responsibility for unauthorised access occurring through transmission networks or misuse by the Client’s people.
4.4 If AIBI receives information from a source it considers reliable that the Client’s Login Credentials may be compromised, or if misuse is suspected, AIBI may deactivate the Account temporarily or permanently, with or without notice.

5.1 The Client must provide AIBI with manager access to the trading platform and information about the company for billing purposes.
5.2 The Client must provide AIBI with reasonable access to the Client’s systems, software, and Data, and must ensure reasonable access to and cooperation by the Client’s personnel and any third party representatives.
5.3 AIBI will make the Platform available from the commencement of service, but AIBI has no obligation to generate any Reports or deliver any outputs until the Client has provided AIBI with access to the Data and any required information in the form and manner AIBI requires.
5.4 The Client must provide all necessary cooperation to facilitate provision of the Services and must make known in time all useful and necessary Data and information required for adequate provision of the Services.
5.5 AIBI is not responsible for any inaccuracy in reports or services due to the Client's data pollution or provision of inaccurate data.

6.1 The Client represents and warrants on a continuing basis that all Data and all information it provides is complete, accurate, legal, valid, authentic, up to date, and provided in a timely manner, and that the Client has the right to provide it.
6.2 AIBI is entitled to rely and act on any Data exported from the Client’s databases or otherwise provided by the Client without any further inquiry, verification, or investigation.
6.3 AIBI has no obligation to carry out any investigation, legal or otherwise, in respect of any Data or notifications provided by the Client, even if AIBI applies validations or health checks. The Client holds AIBI harmless from any liability resulting from the Client’s failure to provide complete and accurate Data or notifications, regardless of any other circumstances.
6.4 The Client remains solely responsible and liable for the submission of Data under its reporting obligations, and the regulatory liability for accuracy and completeness of reports rests with the Client irrespective of any delegation to or submission by AIBI.
6.5 The Client is liable for any error it makes in composing or transmitting Data or notifications to AIBI, and AIBI bears no responsibility for confirming correctness, accuracy, or completeness unless AIBI expressly agrees otherwise in writing.
6.6 AIBI may set and amend deadlines for receipt of Data and notifications. AIBI has no obligation to provide Services for late Data and bears no responsibility if it does provide Services in relation to late Data.
6.7 The Client acknowledges that AIBI may make assumptions or apply interpretations to Data in scope for reporting. AIBI cannot be held liable for anything that arises from such assumptions.

7.1 AIBI may, at its discretion and without explanation, withdraw the whole or any part of the Platform or Services, and may add, change, modify, update, remove, or limit any component or functionality temporarily or permanently.
7.2 Maintenance may be performed on weekends or urgently when it cannot be postponed, and during maintenance the Platform will not be accessible.
7.3 The Client is solely responsible for having and maintaining the minimum compatible equipment and stable internet access required to use the Platform, and for all costs associated with that equipment and access.
7.4 AIBI may change or withdraw any communications facilities it provides, with notice where AIBI decides to provide notice, and where exceptional circumstances as determined by AIBI preclude notice, without notice. 
7.5 AIBI provides services in respect of the current Platform release, and upgrades and updates may be applied at intervals at AIBI’s sole discretion.

8.1 The Platform may be unavailable from time to time due to scheduled maintenance, urgent maintenance, upgrades, fixes, outages, or changes. Maintenance is typically performed on weekends or when AIBI decides it cannot be postponed. During maintenance the Platform will not be accessible.
8.2 Any availability percentage, response time, or service level is a target only unless AIBI expressly agrees a separate written SLA signed by AIBI. In any case, downtime caused by third party providers, networks, or dependencies is excluded and AIBI does not guarantee the proper functionality or uptime of third party services or software.
8.3 AIBI may suspend access to the Platform at any time to protect the Platform, AIBI, the Client, or any Recipient, or where AIBI suspects misuse, security risk, or breach.

9.1 The Client must use the Platform and Services only for its internal business benefit and only as permitted by these Terms. The Client must not use the Platform or AIBI Intellectual Property for unlawful or unauthorised purposes or on behalf of any other entity.
9.2 The Client must not attempt to reverse engineer, copy, bug fix, update, transfer, reproduce, republish, broadcast, or otherwise modify the Platform or any part of it, and must not circumvent security measures or attempt unauthorised access.
9.3 The Client must not use any software that applies artificial intelligence analysis to AIBI’s Platform or systems, must not intercept or monitor communications not intended for it, and must not use spiders, viruses, worms, trojans, or other harmful code or instructions.
9.4 AIBI may investigate suspected breaches and may suspend or terminate access immediately, with or without notice, if AIBI believes a breach has occurred or is likely.

10.1 The Platform, all reports, software and services, and all components and materials (including APIs, UI designs, code, layouts, trade secrets, branding, graphics, and related content) are the sole and exclusive intellectual property of AIBI, AIBI's partners, or its licensors and are protected by applicable intellectual property laws.
10.2 The Client receives no ownership interest and no rights of any kind in AIBI Intellectual Property. These Terms convey only a limited right to use the Platform as permitted, and nothing constitutes a waiver of AIBI’s intellectual property rights.
10.3 AIBI grants the Client a limited, non exclusive, non transferable, revocable licence to use the Platform solely to transmit Data to AIBI and to view outputs in the Platform, subject to continuous compliance. AIBI may revoke the licence at any time by suspending or terminating access.
10.4 The Client must not remove or obscure proprietary notices. The Client may store and print information made available in the Platform for internal use only, but must not alter, publish, transmit, distribute, reproduce, commercially exploit it, or provide it to any third party without AIBI’s express written consent.

11.1 The Client’s licence and access rights are personal to the Client and are non transferable and revocable. The Client may not assign, resell, sublicense, or otherwise transfer any rights, access, or benefits under these Terms, whether in whole or in part, without AIBI’s prior written consent.
11.2 The Client must not provide, market, distribute, or make available the Platform or any portion of the Software and Services (including any third party components) to any third party, unless AIBI expressly permits it in writing.
11.3 The Client must not copy, reproduce, modify, create derivative works from, reverse engineer, or otherwise attempt to derive the source code, methods, or underlying ideas of the Platform or Services.
11.4 AIBI may suspend or terminate access immediately if it suspects a breach of this clause, or any attempt to use the Platform to build, benchmark, or support a competing product or service.

13.1 AIBI may use any non personal data (including any assigned data under clause 12) for any purpose. Any data AIBI is exposed to is considered AIBI's property and AIBI may use it as it pleases.
13.2 AIBI may share any non personal data with any third party as AIBI considers necessary or useful, including for functionality, development, analytics, commercialisation, partnerships, and service delivery, and the Client consents to such sharing.
13.3 AIBI may retain non personal data indefinitely, including after termination, and may continue using it without restriction.

14.1 The Client acknowledges that most of AIBI’s Software and Services are automated or rely on automated systems. The Client is solely responsible to ensure that no unwanted personal data is shared with the Software, Platform, or any connected systems.
14.2 The Client represents and warrants that the Data it provides does not constitute personal data. If any Data qualifies as personal data under applicable law, the Client warrants that it has the right and authority to allow AIBI to process it and that it has fulfilled all obligations, including providing required notices, obtaining consents, and making any required filings or reports to authorities.
14.3 The Client consents to transmittal of personal data outside the European Economic Area where this occurs in the operation of the Software and Services, including onward transfers to Recipients and Third Parties.
14.4 To the extent applicable, data subjects may request access or rectification of their personal data held by AIBI, and AIBI may charge an administrative fee where applicable.
14.5 AIBI has the right to audit the Client’s compliance with its data protection obligations and may require disclosure within five calendar days of any documentation or information AIBI or its auditors consider necessary.

15.1 The Software and Services may include, rely on, or relate to third party proprietary information, intellectual property, software, and APIs. Third party services and products remain the property and responsibility of their respective owners.
15.2 AIBI cannot and does not guarantee the proper functionality or uptime of any third party service or software, including telecommunications, utilities, hosting, or Recipients’ systems, and AIBI is not responsible for any acts, defaults, interruptions, unavailability, or omissions of such third parties.
15.3 AIBI may use contractors to perform some or all of the services at any time and without notice, and may delegate obligations to third parties without further consent from the Client.

16.1 The Client shall pay AIBI the fees and other charges set out in Schedule B or otherwise communicated by AIBI for the Software and Services, including any setup fees, monthly fees, per active account fees, and hourly fees for custom reports, consultation, and training.
16.2 All fees are calculated, invoiced, and charged in Euro (EUR), United States Dollars (USD) or United States Dollars Tethered cryptocurrency (USDT). Fees quoted may be inclusive or exclusive of VAT depending on the specific agreement or invoice.
16.3 Infrastructure fees are invoiced and payable monthly in advance, with the first payment payable on the commencement date or first activation of access, whichever is earlier.
16.4 The Client shall bear the cost of expenses incurred by AIBI in connection with requested services or actions reasonably undertaken to protect the interests of the Client, to the extent not already included in Schedule B.
16.5 AIBI may modify fees with advance notice as provided in the agreement mechanics, and continued use after the effective date constitutes acceptance.

17.1 The Client authorises AIBI to charge the Client’s selected payment method (including credit or debit card) for all Fees, expenses, taxes, and other amounts due, on a recurring basis (including monthly in advance where applicable).
17.2 AIBI may invoice electronically and may use third party payment processors. The Client is responsible for ensuring that billing details remain current and valid.
17.3 Fees are charged in EUR, USD, or USDT (or converted to EUR before invoicing where applicable).
17.4 If a payment attempt fails, AIBI may reattempt charges and may suspend or terminate access until all outstanding amounts are paid in full.

18.1 All amounts due are exclusive of VAT, sales tax, or other applicable taxes, which are payable by the Client in addition at the applicable rate and in the manner prescribed by law.
18.2 All payments must be made without set off or counterclaim, free and clear of and without deduction or withholding for any taxes, levies, duties, charges, or withholdings of any kind imposed in any jurisdiction.
18.3 If any deduction or withholding is required by law, the Client remains liable to pay AIBI the full amount that AIBI would have received had no deduction or withholding been made.

19.1 Unless AIBI specifies otherwise, payment is due by the Due Date.
19.2 If any amount is not paid in full by the Due Date, AIBI may charge compound interest at 0.2% per calendar day from the Due Date until paid in full, whether before or after judgment. 19.3 If the Client fails to pay in accordance with these Terms, AIBI may, without limiting any other rights, suspend or terminate the provision of any or all Services without notice and may terminate the agreement and hold the Client liable for any expenses incurred.
19.4 Upon termination, all amounts payable by the Client become immediately due and payable.
19.5 AIBI is authorised to charge the Client’s credit card or debit card. AIBI is authorised to retry any failed transaction. If any failed transaction results in bank charges, processing fees, or similar costs, the Client accepts that AIBI may pass those costs on to the Client. If a transaction fails multiple times, AIBI may retry payment again at such later time or times as AIBI considers appropriate. During any such period, AIBI may, at its discretion, continue to make the Services available to the Client as a grace period. Any applicable late fees previously referred to in these Terms may be charged after that grace period.

20.1 The Client must raise any billing dispute promptly and in any event must continue to pay all amounts when due, without set off or counterclaim.
20.2 The Client must not initiate any chargeback, card dispute, or payment reversal for any charge relating to the Software and Services. Any chargeback or reversal (whether successful or not) is treated as non payment and a material breach. 
20.3 If a chargeback or reversal occurs, the Client must immediately reimburse AIBI for the disputed amount plus any chargeback fees, processor fees, administrative costs, and enforcement or recovery costs incurred by AIBI.
20.4 AIBI may suspend or terminate access immediately for any payment dispute activity or non payment, and interest may continue to accrue on unpaid sums until paid in full.
20.5 In the case of a chargeback of any financial dispute where a third party is involved, the Client gives AIBI full permission to provide all and any information to the Third Party or Parties in order for the Third Party to have a full and clear picture.
20.6 If a dispute arises and AIBI agrees to settle the dispute or grant any discount, credit, waiver, refund, concession, or other accommodation, any such action shall be treated as a one time exception only and shall not amend this Agreement, create any precedent, waive any rights, or establish any ongoing obligation or course of dealing.

21.1 The subscription is a monthly subscription. The Client may cancel the subscription at any time.
21.2 All sales are final. If the client chooses to unsubscribe, the next payment will be stopped and the platform will be available until the end of the current billing month.
21.3 Fees paid in advance are non refundable except where AIBI expressly confirms otherwise in writing. Where AIBI does provide any refund, it may exclude setup expenses and any non refundable prepayments.
21.4 If AIBI modifies Fees, the Client may terminate only by giving notice within 20 calendar days of the fee change notice, with any calculation based on the prior fee structure.

22.1 AIBI may suspend or terminate the Services or the agreement immediately and without prior notice if, in AIBI’s opinion, any Client warranty ceases to be true, or the Client breaches any obligation, including in any Event of Default.
22.2 Events of Default include (without limitation) insolvency or similar proceedings, change in control or suspension of operations, enforcement actions against Client assets, failure to pay within 7 calendar days, and any other reason AIBI may reasonably determine. 22.3 On termination, all amounts payable become immediately due and payable. AIBI may stop providing services, take no further action on pending Data, set off mutual obligations, and close the Account.
22.4 The Client accepts that AIBI may notify any Recipient of termination and cessation of reporting.

23.1 Upon any termination or suspension, all amounts payable by the Client become immediately due and payable, and AIBI may stop providing services, stop acting on new Data, close the Account, and set off mutual obligations. AIBI may also notify any Recipient that the agreement and reporting have ended.
23.2 Any provisions intended to survive termination will survive, and AIBI may retain records and communications (including recorded calls) as AIBI’s property, and handle Client Data in line with AIBI’s data rights.

24.1 Client must keep AIBI Confidential Information strictly confidential during and after the term and protect it with all necessary measures. AIBI may treat Client information as confidential while still using it for operating, administering, improving, research and statistical purposes, and marketing, and may disclose Client information and Data where needed to provide services, to Recipients, to contractors and advisers, to defend AIBI’s legal rights, and where required by law or authorities. Confidentiality obligations survive expiry or termination.

25.1 Client is responsible for the completeness, accuracy, legality, and timely delivery of Data and holds AIBI harmless from liability arising from incomplete or inaccurate Data, errors in composing or transmitting Data, and Client failures to perform required investigations or obligations.
25.2 Client must protect AIBI and the Platform from harmful transmissions and security issues originating from Client systems, and Client bears responsibility for actions and instructions of its authorised persons and users.
25.3 Client will reimburse AIBI for losses, claims, damages, costs, and expenses arising from Client Data, Client use of the Platform and Services, and Client breaches.

26.1 The Platform and Services are provided on an “as is” and “as available” basis, to the maximum extent permitted by law, and AIBI makes no representations or warranties of any kind, whether express, implied, statutory, or otherwise.
26.2 Without limiting clause 26.1, AIBI gives no warranty that any Data, outputs, or reports are complete, accurate, fit for a particular purpose, or suitable for reliance, and assumes no liability for losses arising from use of, reliance on, or interpretation of any Data or outputs, even where validations or health checks are applied.
26.3 AIBI does not guarantee the proper functionality, uptime, or availability of any third party services, software, APIs, telecommunications, utilities, Recipients’ systems, or other external dependencies.

27.1 The Client uses the Platform and Services entirely at its own risk. The Client is solely responsible for all decisions, actions, submissions, and outcomes arising from or related to use of the Platform, reports, or any outputs.
27.2 The Client remains solely responsible and liable for submission of Data under its reporting obligations and for regulatory compliance, and acknowledges that any services related to reporting are provided only to facilitate the Client’s reporting, with regulatory liability for accuracy and completeness resting with the Client in all cases.
27.3 AIBI is entitled to rely on Data provided by the Client without inquiry, verification, or investigation. The Client bears all risk of errors, omissions, late delivery, or invalidity of any Data or communications it sends.
27.4 The Client is responsible for security of its credentials and transmissions and accepts that AIBI bears no responsibility for unauthorised access occurring through networks, transmission methods, or misuse by the Client’s people.
27.5 AIBI acts solely as a technology provider. The Client is solely responsible for its AML procedures, KYC procedures, sanctions compliance, reporting obligations, and all other legal or regulatory obligations applicable to its business. AIBI does not undertake, assume, or accept any responsibility for the Client’s compliance with such obligations and shall not be liable for any regulatory breach, violation, penalty, investigation, or enforcement action relating to the Client.
27.6 AIBI is solely a technology provider. AIBI is not a financial institution and is not regulated by any financial regulator. The Client remains solely responsible for its own legal, regulatory, AML, KYC, sanctions, reporting, and compliance obligations.

28.1 In the absence of gross negligence or wilful misconduct, AIBI shall not be liable for any loss, claim, liability, expense, or damage arising from any action taken or omitted in connection with provision of the Platform or Services.
28.2 AIBI shall in no circumstances be liable for consequential, special, incidental, or indirect losses, including loss of profits, loss of opportunity, and related costs or expenses.
28.3 AIBI’s cumulative liability shall not exceed the fees paid to AIBI under the agreement for the previous quarter.
28.4 Without limiting clauses 28.1 to 28.3, AIBI is not liable for loss or damage (direct or indirect) arising from force majeure, reliance on Client provided information, third party acts or outages, transmission errors, government or regulatory actions, termination or suspension, Recipient system failures, Client hardware or mismanagement, communications disruptions, unauthorised access during transmissions, or instructions from the Client’s authorised persons.
28.5 If the Client suffers loss due to any excluded event, AIBI may (but is not obliged to) take steps it deems appropriate to attempt recovery, and may charge the Client any costs or expenses incurred in doing so, unless AIBI is liable by virtue of gross negligence or wilful misconduct.

29.1 AIBI will not be liable if delayed in, prevented from, or unable to perform any obligations due to Force Majeure. Force Majeure includes any cause beyond AIBI’s reasonable control, including failures of the Platform or Servers and other events listed in the definitions.
29.2 During a Force Majeure event, AIBI may suspend or limit the Platform or Services and may change delivery timelines, with no liability to the Client.

30.1 AIBI may verify the Client’s compliance with its obligations, representations, warranties, and other requirements under these Terms, including, where applicable, obligations relating to data protection, payment matters, use restrictions, and lawful use of the Platform.
30.2 For that purpose, the Client shall promptly provide all information, records, documents, access, and reasonable assistance that AIBI or its employees, agents, contractors, advisers, or auditors may reasonably request.
30.3 Unless a shorter period is required by law, regulation, security concerns, payment processor requirements, or urgent operational reasons, the Client shall provide the requested materials within five (5) calendar days of request.
30.4 Any information disclosed or obtained in connection with such verification shall be treated as confidential, without prejudice to AIBI’s rights to use or disclose such information where permitted under these Terms or required by law, regulation, court order, payment processor rules, or a competent authority.
30.5 The Client shall cooperate fully with any audit, verification, investigation, or review that AIBI reasonably undertakes in connection with these Terms, the Platform, the Services, any Third Party provider requirements, any payment dispute, any suspected breach, or any legal or regulatory request.

31.1 AIBI may sell, transfer, assign, or novate to a third party any or all of its rights, benefits, or obligations under these Terms, or the performance of the entire agreement, by giving ten (10) Business Days prior written notice to the Client. No client consent is required.
31.2 In connection with any such transfer, the Client agrees that AIBI may disclose and or transfer all Client data and information (including without limitation personal data, recordings, correspondence, due diligence and identification documents, files and records, the Data) and may transfer the Account as required.
31.3 The Client may not assign, resell, or sublicense any of its rights, duties, or obligations without AIBI’s prior consent.
31.4 AIBI may use contractors to perform some or all services at any time and without notice.

32.1 AIBI may amend these Terms at any time, with notice where AIBI chooses to provide it.
32.2 If the Client does not agree to an amendment, the Client must stop using the Platform and Services before the amendment takes effect. Continued access to or use of the Platform or Services after the effective date of the amendment constitutes acceptance of the amendment.
32.3 AIBI may implement changes without prior notice where required by law or where the change reflects a change in AIBI’s agreement or collaboration with a Recipient, where applicable.

33.1 Any notice from the Client to AIBI under these Terms, other than routine Data communications and operational communications, must be given by Written Notice to AIBI’s contact details designated for that purpose, as updated by AIBI from time to time.
33.2 AIBI may communicate with the Client for any purpose connected with the Account, the Platform, the Services, billing, support, security, administration, compliance, disputes, or the parties’ relationship by email, telephone, SMS, messaging application, including WhatsApp or Telegram, voice note, video call, post, courier, platform notification, website notice, or any other contact method or channel the Client has provided, used, or made available.
33.3 Unless these Terms expressly provide otherwise, communications shall be deemed received as follows: 
(a) email, SMS, messaging application message, voice note, platform message, or other electronic communication, when sent or made available by AIBI to the relevant address, number, account, profile, or channel last provided or used by the Client;
(b) post, registered mail, or airmail, upon recorded delivery or attempted delivery to the relevant address last provided by the Client;
(c) courier, upon signature, recorded delivery, or attempted delivery; and
(d) website notice or platform notice, when posted or made available.
33.4 The Client must keep all contact details, billing details, and communication channels current and accurate. AIBI may rely on the latest contact details, account details, usernames, numbers, addresses, and channels it has on file or that the Client has used in communications with AIBI.
33.5 AIBI may monitor, record, retain, review, and use communications with the Client, its Authorised Persons, and its Users, including telephone calls, video calls, voice notes, online meetings, chat messages, emails, SMS messages, messaging application communications, including WhatsApp or Telegram, and any other electronic or verbal communications, for operational, evidential, quality assurance, training, support, security, dispute resolution, compliance, and record keeping purposes. Any such recordings, transcripts, logs, screenshots, and records shall belong to AIBI and may be relied on as evidence to the extent permitted by law.
33.6 The Client agrees that AIBI may contact the Client for service related announcements, administration, billing, support, product updates, market research, and, subject to applicable law, marketing purposes. The Client may opt out of non essential marketing communications at any time.

34.1 If any dispute, claim, or disagreement arises out of or in connection with these Terms, the parties shall first attempt in good faith to resolve it through discussions between their respective Authorised Contacts.
34.2 If the dispute is not resolved within a reasonable period after being referred to the Authorised Contacts, either party may escalate the matter to senior management for further good faith discussions.
34.3 These Terms and any non contractual obligations arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Republic of Cyprus.
34.4 The courts of the Republic of Cyprus shall have exclusive jurisdiction to settle any dispute, claim, or controversy arising out of or in connection with these Terms.