These Terms and Conditions (“Terms”) govern your access to and use of the invoicing, billing, payment request, and account administration software platform, website, and related services provided by Denefits LLC (“Denefits”, “we”, “us”, or “our”).

These Terms form a legal agreement between you and Denefits LLC. By accessing, registering for, subscribing to, or using the Service, you agree to be bound by these Terms and our Privacy Policy available at https://denefitsapp.ca/privacy-policy.

If you are using the Service on behalf of a company, partnership, or other organisation, you confirm that you have authority to bind that organisation to these Terms.

Denefits provides software services only. Where payment functionality is made available through the Service, payment processing is provided by third-party payment service providers, such as Stripe, under their own terms and privacy policies.

1. Definitions

1.1 “Administrator”

means a Subscriber-authorised user with permission to manage the Subscriber’s account, subscription, billing settings, and user access, and to designate additional Authorised Users on behalf of the Subscriber.

1.2 “Agreement”

means these Terms and Conditions together with the Privacy Policy and any order form, subscription plan, pricing page, or other documents expressly incorporated by reference.

1.3 “Authorised User”

means an individual who is authorised by the Subscriber to access and use the Service on the Subscriber’s behalf, including its employees, contractors, consultants, or other permitted personnel.

1.4 “Confidential Information”

means any non-public information disclosed by one party to the other in connection with this Agreement that is identified as confidential or that would reasonably be understood to be confidential by its nature, including business information, technical information, software, product plans, security information, customer information, pricing, and other proprietary materials. Confidential Information does not include information that:

(a) is or becomes publicly available without breach of this Agreement;

(b) was lawfully known to the receiving party before disclosure;

(c) is lawfully received from a third party without restriction; or

(d) is independently developed without use of the disclosing party’s Confidential Information.

1.5 “Content”

means any data, text, documents, invoices, contact information, communications, files, or other materials submitted, uploaded, transmitted, or stored by or on behalf of the Subscriber or its Authorised Users through the Service.

1.6 “Primary Subscriber”

means the person or entity that creates the account for the Service and is treated by Denefits as the main contractual customer unless otherwise agreed in writing.

1.7 “Client”

means a customer, contact, invoice recipient, or other third party whose information is entered into or managed through the Service by the Subscriber or an Authorised User.

1.8 “Service”

means the Denefits software platform, website, applications, features, tools, integrations, and related support services made available by Denefits from time to time.

1.9 “Subscriber”

means the person or legal entity that purchases, registers for, or otherwise uses the Service under this Agreement.

1.10 “Security Emergency”

means any actual or suspected event, act, omission, or vulnerability that:

(a) may materially compromise the security, confidentiality, availability, or integrity of the Service;

(b) may result in unauthorised access to the Service, Content, or Denefits systems; or

(c) may materially disrupt the Service, other users, or the infrastructure used to provide the Service.

2. Limited License and Use of the Service

2.1 Licence Grant

Subject to these Terms, Denefits LLC grants the Subscriber a non-exclusive, non-transferable, limited licence to access and use the Service for its internal business purposes during the subscription period.

2.2 Ownership of Content

Denefits does not review, pre-screen, or monitor Content uploaded to the Service and does not claim ownership of such Content. The Subscriber retains all rights, title, and interest in and to its Content.

2.3 Restrictions on Use

The Subscriber and its Authorised Users agree not to:

• Copy, reproduce, distribute, or resell any part of the Service without prior written consent
• Use the Service for any unlawful purpose
• Interfere with or disrupt the integrity or performance of the Service
• Attempt to gain unauthorised access to the Service or related systems

2.4 Prohibited Technical Actions

Authorised Users must not:

• Modify, reverse engineer, decompile, or adapt the Service
• Attempt to extract source code or underlying algorithms
• Misrepresent any affiliation with Denefits or the Service

2.5 Acceptable Use

The Service must not be used to:

• Infringe intellectual property rights
• Transmit unlawful, harmful, abusive, or offensive material
• Violate any applicable laws or regulations

2.6 Prohibited Content and Activities

The Subscriber and Authorised Users must not use the Service to:

• Send unsolicited communications (spam)
• Transmit malicious software, viruses, or harmful code
• Engage in fraudulent or misleading activities

2.7 Intellectual Property Rights

All intellectual property rights in the Service, including software, design, and functionality, remain the exclusive property of Denefits LLC.

No rights are granted other than those expressly set out in these Terms.

2.8 Public Content

Where the Subscriber chooses to make Content publicly available through the Service, it acknowledges that such Content may be accessible to third parties.

The Subscriber is solely responsible for determining whether such sharing is appropriate.

Denefits reserves the right to remove Content that violates these Terms.

2.9 Service Modifications

Denefits may update, modify, or improve the Service from time to time.

Where changes materially affect functionality, reasonable notice will be provided where practicable.

Continued use of the Service constitutes acceptance of such updates.

2.10 Service Availability and Maintenance

Denefits may suspend access to the Service for maintenance, upgrades, or operational reasons.

Where reasonably practicable, advance notice will be provided.

Denefits may suspend access without notice in the event of a security or operational emergency.

2.11 Data Storage

Content is stored on secure infrastructure with appropriate safeguards.

The Subscriber is responsible for maintaining its own backups where required.

2.12 Use of Data

The Subscriber grants Denefits a limited, non-exclusive, royalty-free right to process Content solely for the purpose of:

• Providing the Service
• Maintaining and improving platform functionality

Denefits may generate aggregated and anonymised data for analytics and service improvement.

2.13 Subscriber Responsibility

The Subscriber is responsible for:

• Configuring the Service according to its business and legal requirements
• Ensuring compliance with applicable laws and regulations
• Verifying that the Service meets its intended use

2.14 Nature of the Service (VERY IMPORTANT – STRIPE SAFE)

Denefits provides a software platform that enables Subscribers to create, send, manage, and monitor invoices, payment requests, account records, customer communications, and related workflow automation. Denefits does not act as a payment processor, merchant of record, lender, money services business, trustee, escrow agent, or financial intermediary, and does not receive, hold, control, settle, or transmit funds on behalf of Subscribers or their customers. Any payment functionality made available through the Service is provided by independent third-party payment service providers, such as Stripe, under their own terms and policies.

3. Access to the Service

3.1 Eligibility and Access

The Service may only be accessed and used by the Subscriber and its Authorised Users.

Authorised Users must provide accurate and complete information, including:

• Full name
• Valid email address
• Any other information reasonably required to provide the Service

3.2 Account Credentials

Each Authorised User will be assigned unique login credentials to access the Service.

• Login credentials must be kept secure and confidential
• Credentials must not be shared with any other person
• The Subscriber is responsible for maintaining the confidentiality of all account credentials

3.3 Administration of Accounts

The Primary Subscriber will act as the initial Administrator and may:

• Add or remove Authorised Users
• Assign Administrator roles
• Manage subscription settings

Administrators are deemed to have authority to act on behalf of the Subscriber in relation to the Service.

3.4 Responsibility for Users

The Subscriber is responsible for:

• All activities carried out under its account
• Actions of all Authorised Users
• Ensuring that all users comply with these Terms

3.5 Ownership of Content

All Content uploaded or submitted to the Service remains the property of the Subscriber.

Upon termination or cancellation of the Service, Denefits will provide reasonable assistance to allow retrieval of Content, subject to applicable retention policies.

3.6 Prohibited Access Methods

The Subscriber and Authorised Users must not:

• Access or use the Service through automated means not authorised by Denefits
• Use bots, scripts, scraping tools, or similar technologies to access the Service
• Attempt to bypass security or access controls

3.7 API Access

Where Denefits provides access via an Application Programming Interface (“API”):

(a) Use of the API is subject to these Terms and any additional documentation provided by Denefits

(b) The Subscriber is responsible for all activity conducted through its API usage

(c) Excessive or abusive use of the API may result in temporary or permanent suspension of access

(d) Denefits may modify, limit, or discontinue API access at any time where reasonably necessary

(e) Denefits is not responsible for the performance, security, or reliability of third-party applications that integrate with the Service

3.8 Security and Access Control

The Subscriber must:

• Implement appropriate internal security measures
• Notify Denefits immediately of any unauthorised access or security breach
• Take reasonable steps to prevent misuse of the Service

3.9 Nature of Access (STRIPE SAFE CLAUSE)

Access to the Service is provided solely for the purpose of using Denefits’s software platform. Denefits:

• Does not control transactions between the Subscriber and its customers
• Does not act as a payment processor or financial intermediary
• Does not hold or manage funds

Any payment-related functionality is provided by third-party providers (such as Stripe) under their own terms.

4. Confidentiality

4.1 Confidential Information

Each party agrees to:

• Treat all Confidential Information as confidential
• Use such Confidential Information solely for the purpose of performing its obligations under this Agreement
• Not disclose Confidential Information to any third party without prior written consent, except as permitted under these Terms

4.2 Protection of Content and Data

Denefits LLC will:

• Treat all Content as confidential
• Implement appropriate technical and organisational measures to protect such Content
• Only access or use Content as necessary to provide and maintain the Service

Denefits LLC may disclose or process Content only:

(a) as required to provide the Service;

(b) where required by applicable law or regulatory authority;

(c) to trusted service providers (such as hosting or infrastructure providers) who are bound by confidentiality and data protection obligations; or

(d) where authorised by the Subscriber in writing.

4.3 Data Protection Compliance (IMPORTANT ADDITION)

Each party agrees to comply with applicable privacy and data protection laws in Canada in connection with its collection, use, disclosure, storage, and processing of personal information. To the extent applicable, this may include the Personal Information Protection and Electronic Documents Act (Canada) (“PIPEDA”) and applicable provincial privacy laws, including Québec’s Act respecting the protection of personal information in the private sector.

4.4 Exclusions from Confidentiality

Confidential Information does not include information that:

• Is publicly available without breach of this Agreement
• Was lawfully known prior to disclosure
• Is received from a third party without restriction
• Is independently developed without use of Confidential Information

5. Security and Access

5.1 Security Measures

Denefits LLC implements appropriate technical and organisational measures to ensure the security of the Service and protect data against unauthorised access, loss, or misuse. These measures include:

(a) secure authentication mechanisms, including password management controls;

(b) encryption of data in transit using industry-standard protocols;

(c) secure handling and storage of authentication credentials; and

(d) adherence to recognised industry security practices.

5.2 Subscriber Responsibilities

The Subscriber is responsible for:

• Maintaining the confidentiality of login credentials
• Ensuring the accuracy of account information
• Restricting access to authorised users only

The Subscriber remains responsible for all activities carried out under its account.

5.3 Credential Protection

The Subscriber shall:

• Implement appropriate internal policies to prevent unauthorised access
• Promptly notify Denefits of any suspected or actual unauthorised use of credentials or security incidents

5.4 Infrastructure and Hosting Security

Denefits and its trusted service providers implement industry-standard security measures, including:

(a) secure data storage and transmission practices;

(b) network security controls such as firewalls and access restrictions;

(c) regular system monitoring, updates, and vulnerability management; and

(d) use of reputable hosting providers with appropriate security certifications where applicable.

Denefits may, upon reasonable request, provide general information regarding its security practices.

5.5 Security Incident Notification

Denefits will notify the Subscriber without unreasonable delay after becoming aware of a security incident involving personal information or Content where notification is required by applicable law or where the incident is reasonably likely to materially affect the Subscriber.

5.6 Incident Response

In the event of a security incident, Denefits will:

(a) take reasonable steps to investigate the incident;

(b) take appropriate measures to mitigate and remediate the impact; and

(c) cooperate with the Subscriber where reasonably required to address the incident.

5.7 Limitation of Responsibility

While Denefits implements appropriate security measures, the Subscriber acknowledges that no system is completely secure. The Subscriber remains responsible for:

• Its own internal security practices
• Proper configuration and use of the Service
• Safeguarding access to its systems and devices

6. Legal Compliance

6.1 Disclosure Required by Law

Denefits LLC will treat all Content and Confidential Information as confidential, subject to applicable laws.

Denefits may disclose information where required to do so by law, regulation, court order, or competent authority, including law enforcement or regulatory bodies.

Where legally permitted, Denefits will make reasonable efforts to notify the Subscriber prior to such disclosure, to allow the Subscriber to seek appropriate protective measures.

Any disclosure will be limited to the minimum information required to comply with the legal obligation.

6.2 Handling of Legal Requests

Denefits will only respond to valid and lawful requests for information that comply with applicable legal requirements.

Requests for disclosure of data must be submitted through appropriate legal channels in accordance with applicable laws.

Denefits reserves the right to verify the validity and scope of any request before responding.

6.3 Costs of Compliance

To the extent permitted by law, Denefits may recover reasonable costs associated with responding to legal or regulatory requests for information.

Such costs may include administrative, technical, and legal expenses incurred in processing the request.

6.4 Compliance with Applicable Laws

Each party agrees to comply with all applicable laws and regulations in connection with its use of the Service, including applicable privacy, electronic communications, consumer protection, tax, and commercial laws in Canada.

6.5 Nature of the Service

Denefits provides a software platform that enables Subscribers to create, send, manage, and monitor invoices, payment requests, account records, customer communications, and related workflow automation. Denefits does not act as a payment processor, merchant of record, lender, money services business, trustee, escrow agent, or financial intermediary, and does not receive, hold, control, settle, or transmit funds on behalf of Subscribers or their customers. Any payment functionality made available through the Service is provided by independent third-party payment service providers, such as Stripe, under their own terms and policies.

7. Data Backup and Retention

7.1 Backup and Data Recovery

Denefits LLC maintains reasonable backup procedures designed to support the restoration of Content in the event of data loss or system failure.

However, Denefits does not guarantee that all data can be recovered in all circumstances. Subscribers are responsible for maintaining their own backups where necessary.

7.2 Data Retention After Termination

Following cancellation or termination of the Service, the Subscriber may request access to retrieve its Content for a period of up to 30 days, unless otherwise required by law.

After this period, Denefits may securely delete the Content in accordance with its data retention policies.

8. Payments, Billing and Subscription

8.1 Subscription Fees

Subscribers must provide a valid payment method for all paid subscriptions. All fees:

• are charged in advance on a recurring basis (monthly or annually);
• are exclusive of applicable taxes (including VAT), unless otherwise stated; and
• are payable in accordance with the selected subscription plan.

The Subscriber is responsible for any applicable taxes based on its location.

8.2 Billing Cycle

Subscriptions are billed:

• Monthly: every 30 days
• Annually: on the anniversary of the subscription start date

Free trials, where offered, will convert into paid subscriptions unless cancelled before the end of the trial period.

8.3 Payment Processing

Payments are processed securely by third-party payment providers (such as Stripe).

Denefits does not store payment card details and does not process payments directly.

8.4 Refund Policy

Subscription fees are generally non-refundable.

However, refunds may be considered at Denefits’s reasonable discretion, including in cases of:

• billing errors;
• duplicate payments; or
• other exceptional circumstances.

Nothing in this section affects any statutory rights under applicable law.

8.5 Cancellation

Subscribers may cancel their subscription at any time.

• Cancellation will take effect at the end of the current billing cycle
• No further charges will be applied after cancellation
• Access to the Service will continue until the end of the paid period

8.6 Subscription Changes

Subscribers may upgrade or downgrade their subscription at any time.

• Upgrades may result in immediate prorated charges
• Downgrades will take effect at the next billing cycle

Changes may affect available features, capacity, or access to certain Content.

8.7 Price Changes

Denefits may update subscription pricing from time to time.

Reasonable notice will be provided prior to any changes. Continued use of the Service after such notice constitutes acceptance of the updated pricing.

8.8 Taxes

Where required by applicable law, Denefits may charge and collect applicable sales taxes, including Goods and Services Tax (GST), Harmonized Sales Tax (HST), or other applicable federal or provincial taxes in Canada.

The Subscriber is solely responsible for determining, reporting, and remitting any taxes arising from its use of the Service, including taxes related to its products, services, invoices, customer transactions, and applicable jurisdictions.

8.9 Third-Party Costs

The Subscriber is responsible for any external costs associated with using the Service, including:

• internet access
• data usage
• third-party service charges

9. Cancellation and Termination

9.1 Cancellation by Subscriber

The Subscriber may cancel its subscription at any time through the Service or by contacting support.

Cancellation will take effect at the end of the current billing period.

Only an Administrator is authorised to request or perform cancellation of the subscription.

9.2 Effect of Cancellation

Upon cancellation:

• The subscription will remain active until the end of the current billing cycle
• No further charges will be applied after cancellation
• Access to the Service will be discontinued at the end of the billing period

9.3 Suspension or Termination by Denefits

Denefits may suspend or terminate access to the Service where:

(a) the Subscriber materially breaches these Terms;

(b) use of the Service poses a security risk or threatens the integrity of the platform; or

(c) required to comply with applicable law or regulatory obligations.

Where reasonably practicable, Denefits will provide notice prior to suspension or termination.

9.4 Breach and Cure Period

Where a breach does not pose an immediate security or legal risk, Denefits will:

• notify the Subscriber of the breach; and
• provide a reasonable opportunity (typically up to 30 days) to remedy the issue.

If the breach is not resolved within this period, Denefits may suspend or terminate access to the Service.

9.5 Data Access Following Termination

Following cancellation or termination, the Subscriber may request access to retrieve its Content for a period of up to 30 days, unless otherwise required by law.

After this period, Denefits may securely delete the Content in accordance with its data retention policies.

9.6 Immediate Suspension

Denefits may suspend access to the Service immediately and without prior notice where necessary to:

• prevent unauthorised access or security threats;
• protect other users or the platform; or
• comply with legal or regulatory obligations.

10. Limitation of Liability

10.1 Excluded Liability

Nothing in these Terms shall limit or exclude liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation; or
• any other liability which cannot be limited or excluded under applicable law.

10.2 General Limitation

Subject to Section 10.1, Denefits LLC shall not be liable for:

• any indirect, incidental, special, or consequential loss or damage;
• loss of profits, revenue, business, or goodwill;
• loss of data (except to the extent caused by Denefits’s failure to implement reasonable security measures); or
• any loss arising from the use of, or inability to use, the Service.

10.3 Liability Cap

To the maximum extent permitted by law, Denefits’s total aggregate liability arising out of or in connection with the Service shall not exceed the total fees paid by the Subscriber to Denefits in the six (6) months preceding the event giving rise to the claim.

10.4 Service Disclaimer

The Service is provided on an “as is” and “as available” basis. Denefits does not guarantee that:

• the Service will be uninterrupted or error-free;
• the Service will meet all of the Subscriber’s requirements; or
• all data will be recoverable in all circumstances.

10.5 Subscriber Responsibility

The Subscriber is responsible for:

• maintaining appropriate backups of its Content;
• ensuring the suitability of the Service for its intended use; and
• the security of its own systems, devices, and access credentials.

10.6 Third-Party Services

Denefits is not responsible for services provided by third parties, including payment providers such as Stripe.

Any use of third-party services is subject to their respective terms and policies.

10.7 Allocation of Risk

The limitations and exclusions of liability in this section reflect a fair allocation of risk between the parties and are a fundamental part of the agreement between them.

11. Disclaimer of Warranties

11.1 General Disclaimer

To the extent permitted by law, the Service is provided on an “as is” and “as available” basis.

Denefits LLC does not provide any guarantees, warranties, or representations that the Service will:

• meet all of the Subscriber’s specific requirements;
• be uninterrupted, timely, secure, or error-free; or
• produce any particular results or outcomes.

11.2 No Implied Warranties

To the maximum extent permitted by applicable law, Denefits excludes all implied warranties, including:

• fitness for a particular purpose;
• satisfactory quality; and
• non-infringement.

Nothing in this section limits any rights that cannot be excluded under applicable law.

11.3 Compatibility and Performance

Denefits does not warrant that the Service will be compatible with all systems, devices, or third-party software.

The Subscriber is responsible for ensuring that its systems meet any required specifications for use of the Service.

11.4 Third-Party Services

Denefits does not make any warranties in relation to third-party services, including payment providers such as Stripe.

Such services are governed by their own terms and conditions.

11.5 Subscriber Responsibility

The Subscriber acknowledges that:

• use of the Service is at its own risk;
• it is responsible for evaluating the suitability of the Service for its business needs; and
• it is responsible for maintaining appropriate backups and safeguards.

12. Indemnification

12.1 Indemnity by Subscriber

The Subscriber agrees to indemnify and hold harmless Denefits LLC from and against any losses, liabilities, damages, costs, or expenses (including reasonable legal fees) arising out of or in connection with:

(a) any breach of these Terms by the Subscriber or its Authorised Users;

(b) any misuse of the Service by the Subscriber or its Authorised Users; or

(c) any Content submitted, uploaded, or used through the Service that infringes the rights of a third party or violates applicable laws.

Denefits will provide reasonable notice of any such claim and allow the Subscriber to manage the defence, provided that such defence is conducted in a reasonable and lawful manner.

12.2 Indemnity by Denefits

Denefits LLC shall indemnify the Subscriber against any third-party claim that the normal use of the Service infringes a valid intellectual property right, provided that:

(a) the Subscriber promptly notifies Denefits of the claim;

(b) Denefits is given reasonable control over the defence and settlement of the claim; and

(c) the Subscriber provides reasonable assistance where required.

Denefits may, at its option:

• modify the Service so that it becomes non-infringing;
• obtain a licence to continue providing the Service; or
• terminate the affected part of the Service and provide a pro-rata refund for any unused subscription period.

12.3 Exclusions

Denefits shall not be liable for any claim arising from:

(a) modifications made to the Service by or on behalf of the Subscriber;

(b) use of the Service in combination with products or services not provided by Denefits;

(c) use of the Service in a manner not in accordance with these Terms; or

(d) Content or data provided by the Subscriber.

12.4 General Conditions

Each party must:

• take reasonable steps to mitigate any losses;
• cooperate in good faith in the defence of any claim; and
• not settle any claim in a manner that imposes liability on the other party without prior written consent.

13. Third-Party Payment Integrations

13.1 Third-Party Payment Providers

Denefits may offer integrations with independent third-party payment service providers, such as Stripe, to enable Subscribers to request or accept payments from their customers through those providers. All payment processing services are provided directly by the applicable third-party provider under its own terms, policies, underwriting requirements, and onboarding criteria.

13.2 Role of Denefits

Denefits:

• provides software tools to facilitate invoicing and payment workflows;
• does not act as a payment processor, merchant of record, or financial intermediary; and
• does not process, hold, or control funds belonging to the Subscriber or its customers.

All funds are processed and settled directly by the payment provider.

13.3 Subscriber Responsibilities

The Subscriber is responsible for:

• complying with all applicable laws and regulations related to payments and transactions;
• complying with the terms of the payment provider (such as Stripe);
• ensuring that all information provided to the payment provider is accurate and complete; and
• managing disputes, refunds, and customer communications related to payments.

The Subscriber is solely responsible for its underlying goods, services, invoices, customer relationships, transaction legitimacy, applicable disclosures, tax treatment, and compliance with all applicable laws.

13.4 Fees and Charges

Any fees related to payment processing are determined and charged by the payment provider in accordance with their terms.

Denefits may charge separate subscription fees for use of the Service, as outlined in Section 8.

13.5 Data Sharing

To enable payment functionality, certain information may be shared with the payment provider in accordance with the Privacy Policy.

The payment provider processes such information as an independent data controller under its own privacy policy.

13.6 Disputes and Chargebacks

Any disputes, chargebacks, payment reversals, or payment-related claims are handled by the applicable third-party payment service provider in accordance with that provider’s terms. Denefits is not responsible for the outcome of such matters.

13.7 Availability of Payment Features

Denefits may enable, modify, or discontinue payment-related integrations at any time.

Access to payment functionality may be subject to approval by the payment provider.

14. Communications

14.1 Consent to Communications

By providing your contact details, including your phone number and email address, you agree to receive communications from Denefits LLC for purposes including:

• account management;
• service updates;
• billing notifications; and
• customer support.

14.2 Marketing Communications

Where required by applicable law, including Canada’s Anti-Spam Legislation (CASL), Denefits will send commercial electronic messages only with the required consent or as otherwise permitted by law. Recipients may unsubscribe or withdraw consent at any time using the unsubscribe mechanism provided or by contacting support.

14.3 SMS Communications

Where SMS notifications are enabled, Denefits may send service-related messages such as:

• account alerts;
• reminders; and
• transactional updates.

Standard network and messaging charges may apply depending on your mobile provider.

You may opt out of SMS communications at any time by contacting support or following the instructions provided in the message.

14.4 Accuracy of Information

The Subscriber confirms that any contact details provided are accurate and up to date and that it has the authority to provide such contact details.

15. General

15.1 Support

Technical support is available to Authorised Users with active subscriptions via email or other support channels made available by Denefits.

15.2 Use of Third-Party Providers

Denefits may use third-party service providers to deliver the Service, including hosting, infrastructure, and communication tools.

Such providers are engaged in accordance with applicable data protection and confidentiality requirements.

15.3 Third-Party Services

The Service may allow integration with third-party services.

Denefits:

• does not control such third-party services;
• does not endorse them; and
• is not responsible for their performance or availability.

Use of third-party services is subject to their own terms and policies.

15.4 Data Transmission Risk

While Denefits implements appropriate security measures, the Subscriber acknowledges that data transmitted over the internet may be subject to risks.

Denefits will take reasonable steps to protect data but cannot guarantee absolute security.

15.5 No Waiver

Failure by either party to enforce any provision of these Terms shall not constitute a waiver of that provision.

15.6 Entire Agreement

These Terms constitute the entire agreement between the parties and supersede any prior agreements or understandings.

15.7 Changes to Terms

Denefits may update these Terms from time to time.

Where changes are material, reasonable notice will be provided.

Continued use of the Service after such notice constitutes acceptance of the updated Terms.

15.8 Assignment

The Subscriber may not assign or transfer its rights or obligations under these Terms without prior written consent.

Denefits may assign these Terms as part of a merger, acquisition, or corporate reorganisation.

15.9 Governing Law

These Terms and any dispute arising out of or relating to these Terms or the Service shall be governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. The parties attorn to the exclusive jurisdiction of the courts located in British Columbia, Canada.

16. SMS and Messaging Terms

16.1 Consent to Receive Messages

By providing a mobile number or electronic contact information and opting in where required, you agree to receive service-related electronic communications from Denefits in connection with your account and use of the Service, including account notifications, billing notices, technical updates, support communications, and invoice-related workflow messages. Commercial electronic messages will be sent in accordance with applicable law, including CASL where applicable.

16.2 Eligibility

You confirm that:

• you are the account holder or authorised user of the mobile number provided; and
• you are at least 18 years of age or the age of majority in your jurisdiction.

16.3 Message Frequency

Message frequency may vary depending on your use of the Service and account activity.

16.4 Charges

Standard network and messaging charges may apply depending on your mobile service provider.

Denefits does not charge for sending SMS messages but is not responsible for any charges applied by your network provider.

16.5 Opt-Out

You may opt out of receiving SMS messages at any time by:

• following the instructions provided in the message; or
• contacting support at support@denefits.com

Once opted out, you will no longer receive SMS communications unless you opt in again.

16.6 Support

If you require assistance, you may contact us at:

support@denefits.com

16.7 Data Protection

Any personal data collected through messaging services will be processed in accordance with our Privacy Policy.

We do not sell your personal data or share it with third parties for their direct marketing purposes.

16.8 Changes to Messaging Services

Denefits may modify or discontinue messaging services at any time.

Where changes are material, reasonable notice will be provided where practicable.

16.9 General

By opting in to receive messages, you confirm that you have read and agree to these Terms and our Privacy Policy.