Terms of Service

Effective May 2023

Anrok SaaS Services Agreement

Welcome to Anrok, the website and online services of Anrok, Inc. (“Anrok”). By accessing Anrok’s services you are agreeing to this Anrok SaaS Services Agreement (“Agreement”) between Anrok, Inc., and the entity on whose behalf the individual access the Anrok service accepts this Agreement (“Customer”). Anrok and Customer may be referred to herein collectively as the “Parties” or individually as a “Party”.

We reserve the right, in our sole discretion, to make changes or modifications to this Agreement at any time and for any reason. We will alert you about any changes by email and/or upon renewal of any Order Form and by updating the “Last updated” date of this Agreement. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Agreement by your continued use of the Services after the date such revised Agreement is posted. For the most recent terms, visit: https://www.anrok.com/privacy-terms.

1. Definitions.

1.1 “Anrok IP” means the Platform Services, the Documentation, and any and all intellectual property provided to Customer or any Authorized User in connection with the foregoing. For the avoidance of doubt, Anrok IP includes Aggregated Data but does not include Customer Data.

1.2 “Authorized User” means Customer’s employees, consultants, contractors, and agents (i) who are authorized by Customer to access and use the Platform Services under the rights granted to Customer pursuant to this Agreement; and (ii) for whom access to the Platform Services has been purchased pursuant to this Agreement.

1.3 “Billable Sales” means sales subject to tax in a jurisdiction prior to the application of any statutory or buyer-specific exemptions, net of refunds or credits of billable sales issued by the customer during the current month.

1.4 “Customer Data” means information, data, and other content, in any form or medium, that is submitted, posted, or otherwise transmitted by or on behalf of Customer or an Authorized User through the Platform Services.

1.5 “Documentation” means Anrok’s end user documentation relating to the Platform Services.

1.6 “Harmful Code” means any software, hardware, or other technology, device, or means, including any virus, worm, malware, or other malicious computer code, the purpose or effect of which is to permit unauthorized access to, or to destroy, disrupt, disable, distort, or otherwise harm or impede in any manner any (i) computer, software, firmware, hardware, system, or network; or (ii) any application or function of any of the foregoing or the security, integrity, confidentiality, or use of any data processed thereby.

1.7 “Order Form” means an order form entered into by the Parties that incorporates this Agreement by reference.

1.8 “Personal Information” means any information that, individually or in combination, does or can identify a specific individual or by or from which a specific individual may be identified, contacted, or located, including without limitation all data considered “personal data”, “personally identifiable information”, or something similar under applicable laws, rules, or regulations relating to data privacy.

1.9 “Third-Party Products” means any third-party products provided with, integrated with, or incorporated into the Platform Services.

1.10 “Usage Limitations” means the usage limitations set forth in this Agreement including without limitation any limitations on the number of Authorized Users (if any), and the applicable product, pricing, and support tiers.

2. Access and Use of Platform Services.

2.1 Responsibility.

Customer is responsible for the acts of others utilizing its access to the Platform Services, including by not limited to Authorized Users, and will be held responsible for violations of the Platform Services by persons who gain access to the Platform Services using Customer’s account on the Platform Services (“Account”), shared access, or other through other means.

2.2 Provision of Access.

Subject to compliance with the Agreement, Anrok will make available to Customer during the Term of the Agreement, on a non-exclusive, non-transferable (except in compliance with Section 11.8), and non-sublicensable basis, access to and use of the Platform Services and Documentation, solely for use by Authorized Users. Such use is limited to Customer’s internal business purposes in compliance with applicable laws, and the features and functionalities specified in the Order Form.

2.3 Use Restrictions.

Customer shall not at any time, directly or indirectly, and shall not permit any Authorized Users to: (i) copy, modify, or create derivative works of any Anrok IP, whether in whole or in part, including without limitation by automated or non-automated “scraping”; (ii) rent, lease, lend, sell, license, sublicense, assign, distribute, publish, transfer, or otherwise make available the Platform Services or Documentation to any third party; (iii) reverse engineer, disassemble, decompile, decode, adapt, or otherwise attempt to derive or gain access to any software component of the Platform Services, in whole or in part; (iv) collect or harvest any Personal Information from the Platform Services; (v) impersonate another person or otherwise misrepresent its affiliation with a person or entity, conduct fraud, hide or attempt to hide its identity; (vi) remove any proprietary notices from any Anrok IP; (vii) access or use any Anrok IP for purposes of competitive analysis of Anrok or the Platform Services, the development, provision, or use of a competing software service or product, or any other purpose that is to Anrok’s detriment or commercial disadvantage; (viii) bypass or breach any security device or protection used by the Platform Services or access or use the Platform Services other than by an Authorized User through the use of valid access credentials; or (ix) input, upload, transmit, or otherwise provide to or through the Platform Services any information or materials that are unlawful or injurious, or that contain, transmit, or activate any Harmful Code.

2.4 Reservation of Rights.

Anrok reserves all rights not expressly granted to Customer in this Agreement. Except for the limited rights and licenses expressly granted under this Agreement, nothing in this Agreement grants, by implication, waiver, estoppel, or otherwise, to Customer or any third party any intellectual property rights or other right, title, or interest in or to the Anrok IP.

2.5 Suspension of Platform Services.

Anrok may, directly or indirectly, suspend or otherwise deny Customer's, or any Authorized User's access to or use of all or any part of the Platform Services, without incurring any resulting obligation or liability, if: (a) Anrok receives a judicial or other governmental demand or order, subpoena, or law enforcement request to do so; or (b) Anrok believes, in its good faith and reasonable discretion, that: (i) Customer or any Authorized User is or has been, involved in any fraudulent, misleading, or unlawful activities relating to or in connection with any of the Platform Services; or (iii) this Agreement expires or is terminated.

2.6 Aggregated Data.

Notwithstanding anything to the contrary in this Agreement, Anrok may monitor Customer’s use of the Platform Services and collect and compile data and information related to or derived from Customer Data or Customer’s use of the Platform Services that is used by Anrok in an aggregate and anonymized manner, including to compile statistical and performance information related to the Platform Services (“Aggregated Data”). Customer agrees that Anrok may (i) make Aggregated Data available to third parties including its other customers in compliance with applicable law, and (ii) use Aggregated Data to produce results for Customer, to maintain, evaluate, develop and improve the Platform Services, for any other internal business purposes of Anrok, and to the extent and in the manner otherwise not prohibited under applicable law.

3. Customer Responsibilities.

3.1 Third-Party Products.

Anrok may from time to time make Third-Party Products available to Customer or Anrok may allow for certain Third-Party Products to be integrated with the Platform Services to allow for the transmission of Customer Data from such Third-Party Products into the Platform Services. For purposes of this Agreement, such Third-Party Products are subject to their own Terms of Service. If Customer does not agree to abide by the applicable terms for any such Third-Party Products, then Customer should not install or use such Third-Party Products. By authorizing Anrok to transmit Customer Data from Third-Party Products into the Platform Services, Customer represents and warrants to Anrok that it has all right, power, and authority to provide such authorization. By connecting its Account with a Third-Party Product, Customer gives Anrok permission to access and use Customer’s information from that Third-Party Product as permitted by the Terms of Service of that Third-Party Product, and to store Customer’s log-in credentials for that Third-Party Product.

3.2 Customer Control and Responsibility.

Customer has and will retain sole responsibility for: (i) all Customer Data, including its content and use; (ii) all information, instructions, and materials provided by or on behalf of Customer or any Authorized User in connection with the Platform Services; (iii) Customer's information technology infrastructure, including computers, software, databases, electronic systems (including database management systems), and networks, whether operated directly by Customer or through the use of third-party services (“Customer Systems”); (iv) the security and use of Customer's and its Authorized Users' access credentials; and (v) all access to and use of the Platform Services directly or indirectly by or through the Customer Systems or the Customer’s or its Authorized Users' access credentials.

4. Fees, Taxes and Remittances.

4.1 Fees.

Customer must pay all fees.

4.2 Platform Usage Fees.

Customer shall pay Anrok the usage fees (“Fees”) on identified at www.anrok.com/pricing on Customer’s Billable Sales. Any fees for usage will be calculated and charged to the Customer at the end of each month for transactions processed on the Platform. Unless otherwise required by law, Fees paid by Customer are non-refundable. Anrok does not waive this provision if Anrok elects to refund all or part of fees paid by a Customer on an ad hoc basis.

4.3 Subscription Fees.

Customer shall pay Anrok the fees (“Fees”) identified in the applicable Order Form for the packages and subscriptions purchased during the Order Term. Such fees will be due and payable upon execution of the Order Form consistent with Section 4.3 of the Agreement. Unless otherwise specified on the Order Form, following the initial Term indicated on the Order Form, Customer’s subscription to the Platform Services will automatically renew for an identical Term at the then-current subscription fee, unless either Party gives the other written notice of termination at least thirty days prior to the expiration of the then-current Platform Services term. Unless otherwise set forth herein, Fees paid by Customer are non-refundable.

4.4 Payment Method.

Customer shall pay Anrok for all upfront Platform usage fees and subscription fees by ACH debit. Customer agrees and authorizes Anrok to debit Customer’s designated bank account for any usage fees as they become due. If Anrok is unable to collect fees due because of insufficient funds in the Customer’s bank account or for any other reason, Customer agrees to immediately pay the amount due plus any applicable exceptions processing fees, bank fees or charges for return items, plus interest at the rate of 1.5% per month, calculated daily and compounded monthly or, if lower, the highest rate permitted under applicable law, in addition to attorneys’ fees, court costs, and collection agency fees.

4.5 Taxes and Government Fees.

All Fees and other amounts payable by Customer under this Agreement are exclusive of taxes and similar assessments. Customer is responsible for all sales, use, and excise taxes, and any other similar taxes, duties, and charges of any kind imposed by any federal, state, or local governmental or regulatory authority on any amounts payable by Customer hereunder, other than any taxes imposed on Anrok’s income. To the extent that Anrok is required by law to pay any such taxes, duties, or other charges to any governmental or regulatory authority, Anrok may invoice Customer for such taxes, duties, or other charges and Customer will pay such invoiced amounts in accordance with this Agreement.

4.6 Remittances.

Customer understands that through its use of Anrok’s Platform Service, Anrok will process sales tax remittances as ACH entries (“Remittances”) on the Customer’s behalf through Anrok's partner bank (“Bank Partner”) and the NACHA system. Both parties agree to Anrok’s Remittance Services Agreement which covers the terms related to Anrok’s Remittances services located at www.anrok.com/privacy-terms.

5. Confidential Information.

5.1 Definition.

From time to time during the Term of the Agreement, either Party may disclose or make available to the other Party information about its business affairs, products, confidential intellectual property, trade secrets, third-party confidential information, and other sensitive or proprietary information, whether orally or in written, electronic, or other form or media that: (i) is marked, designated or otherwise identified as “confidential” or something similar at the time of disclosure or within a reasonable period of time thereafter; or (ii) would be considered confidential by a reasonable person given the nature of the information or the circumstances of its disclosure (collectively, “Confidential Information”). Except for Personal Information, Confidential Information does not include information that, at the time of disclosure is: (a) in the public domain; (b) known to the receiving Party at the time of disclosure; (c) rightfully obtained by the receiving Party on a non-confidential basis from a third party; or (d) independently developed by the receiving Party without use of, reference to, or reliance upon the disclosing Party’s Confidential Information.

5.2 Duty.

The receiving Party shall not disclose the disclosing Party’s Confidential Information to any person or entity, except to the receiving Party’s employees, contractors, and agents who have a need to know the Confidential Information for the receiving Party to exercise its rights or perform its obligations hereunder (“Representatives”). The receiving Party will be responsible for all the acts and omissions of its Representatives as they relate to Confidential Information hereunder. Notwithstanding the foregoing, each Party may disclose Confidential Information to the limited extent required in order to comply with the order of a court or other governmental body, or as otherwise necessary to comply with applicable law, provided that the Party making the disclosure pursuant to the order shall first have given timely written notice to the other Party and made a reasonable effort to obtain a protective order.

5.3 Return of Materials; Effects of Termination/Expiration.

On the expiration or termination of the Agreement, the receiving Party shall promptly return to the disclosing Party all copies, whether in written, electronic, or other form or media, of the disclosing Party’s Confidential Information, or destroy all such copies and, upon request, certify in writing to the disclosing Party that such Confidential Information has been destroyed. Each Party’s obligations of non-use and non-disclosure with regard to Confidential Information are effective as of the Effective Date and will expire three (3) years from the date of termination or expiration of this Agreement; provided, however, with respect to any Confidential Information that constitutes a trade secret (as determined under applicable law), such obligations of non-disclosure will survive the termination or expiration of this Agreement for as long as such Confidential Information remains subject to trade secret protection under applicable law.

6. Intellectual Property Ownership; Feedback.

6.1 Anrok IP.

Customer acknowledges that, as between Customer and Anrok, Anrok owns all right, title, and interest, including all intellectual property rights, in and to the Anrok IP and, with respect to Third-Party Products, the applicable third-party providers own all right, title, and interest, including all intellectual property rights, in and to the Third-Party Products.

6.2 Customer Data.

Anrok acknowledges that, as between Anrok and Customer, Customer owns all right, title, and interest, including all intellectual property rights, in and to the Customer Data. Customer hereby grants to Anrok a non-exclusive, royalty-free, worldwide license to reproduce, distribute, and otherwise use and display the Customer Data and perform all acts with respect to the Customer Data as may be necessary for Anrok to provide the Platform Services to Customer, and a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to reproduce, distribute, modify, and otherwise use and display Customer Data incorporated within the Aggregated Data. Customer may export the Customer Data at any time through the features and functionalities made available via the Platform Services.

6.3 Feedback.

If Customer or any of its employees or contractors suggests or recommends changes to the Anrok IP or the Platform Services or any comments, questions, suggestions, or the like (“Feedback”), Anrok is free to use such Feedback. Customer hereby assigns to Anrok on Customer's behalf, and on behalf of its employees, contractors and/or agents, all right, title, and interest in, and Anrok is free to use, without any attribution or compensation, for any purpose whatsoever.

7. Warranty Disclaimer.

7.1 Warranty Disclaimer.

EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, THE ANROK IP IS PROVIDED “AS IS” AND ANROK HEREBY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. ANROK SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. ANROK MAKES NO WARRANTY OF ANY KIND THAT THE ANROK IP, OR ANY PRODUCTS OR RESULTS OF THE USE THEREOF, WILL MEET CUSTOMER’S OR ANY OTHER PERSON’S REQUIREMENTS, OPERATE WITHOUT INTERRUPTION, OR ACHIEVE ANY INTENDED RESULT. CUSTOMER ACKNOWLEDGES AND AGREES THAT ANROK DOES NOT PROVIDE LEGAL OR PROFESSIONAL TAX OPINIONS OR LEGAL OR MANAGEMENT ADVICE. CUSTOMER AGREES THAT CUSTOMER USES AND RELIES UPON THE PLATFORM SERVICES, AT CUSTOMER’S OWN RISK AND ACKNOWLEDGES THAT ANROK CANNOT GUARANTEE THAT ANY DATA OR INFORMATION CONTAINED IN THE PLATFORM SERVICES OR ON ANY ANROK WEBSITE IS COMPLETE, ACCURATE, OR CURRENT.

8. Indemnification.

8.1 Anrok Indemnification.

a) Anrok shall defend, indemnify, and hold harmless Customer from and against any and all losses, damages, liabilities, costs (including reasonable attorneys’ fees) (“Losses”) incurred by Customer resulting from any third-party claim, suit, action, or proceeding (“Third-Party Claim”) that the Platform Services, or any use of the Platform Services in accordance with this Agreement, infringes or misappropriates such third party’s U.S. copyrights or trade secrets; provided that Customer promptly notifies Anrok in writing of the claim, cooperates with Anrok, and allows Anrok sole authority to control the defense and settlement of such claim.

b) If such a claim is made or appears possible, Customer agrees to permit Anrok, at Anrok’s sole discretion: to (i) modify or replace the Platform Services, or component or part thereof, to make it non-infringing; or (ii) obtain the right for Customer to continue use. If Anrok determines that neither alternative is reasonably commercially available, Anrok may terminate this Agreement, in its entirety or with respect to the affected component or part, effective immediately on written notice to Customer. If Anrok is unable to (i) satisfactorily modify or replace the Platform Services, or component or part thereof, to make it non-infringing; or (ii) obtain the right for Customer to continue use, Customer may terminate the contract with a proportional reimbursement for any remaining months of pre-paid services and/or fees.

c) This Section 8.1 will not apply to the extent that the alleged infringement arises from: (i) use of the Platform Services in combination with data, software, hardware, equipment, or technology not provided by Anrok or authorized by Anrok in writing; (ii) modifications to the Platform Services not made by Anrok; (iii) Customer Data; or (iv) Third-Party Products.

8.2 Customer Indemnification.

Customer shall defend, indemnify, hold harmless, Anrok from (i) and against any Losses resulting from any Third-Party Claim that the Customer Data, or any use of the Customer Data in accordance with this Agreement, infringes or misappropriates such third party’s U.S. intellectual property or other rights and Customer’s violation of any laws; in each case provided that Customer may not settle any Third-Party Claim against Anrok unless Anrok consents to such settlement, and further provided that Anrok will have the right, at its option, to defend itself against any such Third-Party Claim or to participate in the defense thereof by counsel of its own choice; and (ii) any failure to comply with the obligations of section 4.5; in each case provided that Customer may not settle any Third-Party Claim against Anrok unless Anrok consents to such settlement, and further provided that Anrok will have the right, at its option, to defend itself against any such Third-Party Claim or to participate in the defense thereof by counsel of its own choice.

8.3 Sole Remedy.

THIS SECTION 8 SETS FORTH CUSTOMER’S SOLE REMEDIES AND ANROK’S SOLE LIABILITY AND OBLIGATION FOR ANY ACTUAL, THREATENED, OR ALLEGED CLAIMS THAT THE PLATFORM SERVICES INFRINGE, MISAPPROPRIATE, OR OTHERWISE VIOLATE ANY INTELLECTUAL PROPERTY RIGHTS OF ANY THIRD PARTY.

9. Limitations of Liability.

EXCEPT FOR: (I) A PARTY’S BREACH OF ITS CONFIDENTIALITY OBLIGATIONS; (II) A PARTY’S INDEMNITY OBLIGATIONS; OR (III) A PARTY’S GROSS NEGLIGENCE, FRAUD, OR WILLFUL MISCONDUCT (“Excluded Liabilities”), (A) IN NO EVENT WILL EITHER PARTY BE LIABLE UNDER OR IN CONNECTION WITH THIS AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, AND OTHERWISE, FOR ANY: (1) CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES OR LOST PROFITS; OR (2) LOSS OF GOODWILL OR REPUTATION, IN EACH CASE REGARDLESS OF WHETHER SUCH PARTY WAS ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES OR SUCH LOSSES OR DAMAGES WERE OTHERWISE FORESEEABLE; AND (B) IN NO EVENT WILL EITHER PARTY’S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, AND OTHERWISE EXCEED THE TOTAL FEES PAID AND/OR PAYABLE TO ANROK UNDER THIS AGREEMENT IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM; PROVIDED THAT, NOTWITHSTANDING THE FOREGOING, EACH PARTY’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO ANY EXCLUDED LIABILITIES WILL NOT EXCEED THE TOTAL FEES PAID AND/OR PAYABLE TO ANROK BY CUSTOMER UNDER THIS AGREEMENT IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM.

10. Term and Termination.

10.1 Term.

The term of this Agreement begins on the Effective Date and, will continue in effect until terminated by either party pursuant to Section 10.2 (“Term”). The term of each Order Form shall be as set forth therein (“Order Term”).

10.2 Termination.

In addition to any other express termination right set forth in this Agreement:

a) either Party may terminate this Agreement, effective on written notice to the other Party, if the other Party materially breaches this Agreement, and such breach: (i) is incapable of cure; or (ii) being capable of cure, remains uncured thirty (30) calendar days after the non-breaching Party provides the breaching Party with written notice of such breach; or

b) either Party may terminate this Agreement, effective immediately upon written notice to the other Party, if the other Party: (i) becomes insolvent or is generally unable to pay, or fails to pay, its debts as they become due; (ii) files or has filed against it, a petition for voluntary or involuntary bankruptcy or otherwise becomes subject, voluntarily or involuntarily, to any proceeding under any domestic or foreign bankruptcy or insolvency law; (iii) makes or seeks to make a general assignment for the benefit of its creditors; or (iv) applies for or has appointed a receiver, trustee, custodian, or similar agent appointed by order of any court of competent jurisdiction to take charge of or sell any material portion of its property or business.

c) Customer may terminate this agreement with 30 days written notice to Anrok. All notices of termination shall be sent in writing to notices@anrok.com.

10.3 Effect of Expiration or Termination.

Upon expiration or earlier termination of this Agreement, Customer shall immediately discontinue use of the Anrok IP and, without limiting Customer’s obligations under Section 4, Customer shall delete, destroy, or return all copies of the Anrok IP. No expiration or termination will affect Customer’s obligation to pay all Fees that may have become due before such expiration or termination.

10.4 Survival.

This Section 10.4 and Sections 1, 4, 5, 6, 7, 8, 9, 10.3, and 11 survive any termination or expiration of this Agreement. No other provisions of this Agreement survive the expiration or earlier termination of this Agreement.

11. Miscellaneous.

11.1 Entire Agreement.

This Agreement, together with any Order Forms and other documents incorporated herein by reference, constitutes the sole and entire agreement of the Parties with respect to the subject matter of this Agreement and supersedes all prior and contemporaneous understandings, agreements, and representations and warranties, both written and oral, with respect to such subject matter. In the event of any inconsistency between the statements made in the body of this Agreement, the related Exhibits, an Order Form, and any other documents incorporated herein by reference, the following order of precedence governs: (i) the applicable Order Form, (ii) this Agreement; and (iii) any other documents incorporated herein by reference.

11.2 Notices.

All notices, requests, consents, claims, demands, waivers, and other communications hereunder (each, a “Notice”) must be in writing and addressed to Anrok at: Anrok, Inc., 548 Market St PMB 66708 San Francisco, CA 94104-5401 (or to such other address that may be designated by Anrok and to Customer at the most current e-mail or other address on file with Anrok). All written Notices must be delivered by personal delivery or nationally recognized signed for on delivery courier.

11.3 Force Majeure.

In no event shall either Party be liable to the other Party, or be deemed to have breached this Agreement, for any failure or delay in performing its obligations under this Agreement, if and to the extent such failure or delay is caused by any circumstances beyond such Party’s reasonable control, including but not limited to acts of God, flood, fire, earthquake, explosion, war, terrorism, invasion, riot or other civil unrest, strikes, plague, labor stoppages or slowdowns or other industrial disturbances, or passage of law or any action taken by a governmental or public authority, including imposing an embargo.

11.4 Amendment and Modification.

Except as set forth in the second paragraph above, no amendment to or modification of this Agreement is effective unless it is in writing and signed by an authorized representative of each Party. No waiver by any Party of any of the provisions hereof is effective unless explicitly set forth in writing and signed by the Party so waiving.

11.5 Waiver.

No failure or delay by either Party in exercising any right or remedy available to it in connection with this Agreement will constitute a waiver of such right or remedy. No waiver under this Agreement will be effective unless made in writing and signed by an authorized representative of the Party granting the waiver.

11.6 Severability.

If any provision of this Agreement is invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability will not affect any other term or provision of this Agreement or invalidate or render unenforceable such term or provision in any other jurisdiction.

11.7 Governing Law; Submission to Jurisdiction.

This Agreement is governed by and construed in accordance with the internal laws of the State of California without giving effect to any choice or conflict of law provision or rule that would require or permit the application of the laws of any jurisdiction other than those of the State of California. Any legal suit, action, or proceeding arising out of or related to this Agreement or the licenses granted hereunder must be instituted in the federal courts of the United States or the courts of the State of California in each case located in San Francisco, California and each Party irrevocably submits to the exclusive jurisdiction of such courts in any such suit, action, or proceeding.

11.8 Assignment.

Customer may not assign any of its rights or delegate any of its obligations hereunder, in each case whether voluntarily, involuntarily, by operation of law or otherwise, without the prior written consent of Anrok. Any purported assignment or delegation in violation of this Section will be null and void. No assignment or delegation will relieve the assigning or delegating Party of any of its obligations hereunder. This Agreement is binding upon and inures to the benefit of the Parties and their respective permitted successors and assigns.

11.9 Export Regulation.

The Platform Services utilize software and technology that may be subject to U.S. export control laws, including the U.S. Export Administration Act and its associated regulations. Customer shall not, directly or indirectly, export, re-export, or release the Platform Services or the underlying software or technology to, or make the Platform Services or the underlying software or technology accessible from, any jurisdiction or country to which export, re-export, or release is prohibited by law, rule, or regulation. Customer shall comply with all applicable federal laws, regulations, and rules, and complete all required undertakings.

11.10 Equitable Relief.

Each Party acknowledges and agrees that a breach or threatened breach by such Party of any of its obligations under Section 5 or, in the case of Customer, Section 2.3, may cause the other Party irreparable harm for which monetary damages would not be an adequate remedy and agrees that, in the event of such breach or threatened breach, the other Party will be entitled to equitable relief, including an injunction and specific performance. Such remedies are not exclusive and are in addition to all other remedies that may be available at law, in equity or otherwise.

11.11 Publicity.

Anrok may identify Customer as a user of the Platform Services and may use Customer’s name, logo, and other trademarks in Anrok’s customer list, press releases, blog posts, advertisements, and website (and all use thereof and goodwill arising therefrom shall inure to the sole and exclusive benefit of Customer). If Customer would not like Anrok to exercise the foregoing publicity rights, Customer must email hello@anrok.com stating that it does not wish to be used as a reference.

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Privacy Notice

Effective Date: May 2024

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This Privacy Notice explains how Anrok, Inc. (“Company”, “we”, “us” or “our”) collects, uses, discloses, and otherwise processes Personal Information (as defined below) in connection with our website (the “Site”) and the related content, platform, services, mobile applications and other functionality offered on or through the online services (collectively, the “Services”).

We may provide different or additional privacy notices in connection with certain activities, programs, and offerings. We may also provide additional “just-in-time” notices that may supplement or clarify our privacy practices or provide additional choices regarding the Personal Information we collect.

What is Personal Information

When we use the term “Personal Information” in this Privacy Notice, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual. It does not include aggregated or deidentified information that is maintained in a form that is not reasonably capable of being associated with or linked to an individual.

Our Collection of Personal Information

Sometimes we collect Personal Information automatically when an individual interacts with our Services and sometimes, we collect the Personal Information directly from an individual. At times, we may collect Personal Information about an individual from other sources and third parties, even before our first direct interaction.

Personal Information Collected from Site Visitors and Account Holders

We may collect the following Personal Information submitted to us by visitors to our Site and account holders:

Contact Information, including the name, email address, phone number and communication preferences.

Inquiry Information, including the information provided in custom messages sent through the forms or contact information provided on our Site.

Anrok Account Information, including the name, company name, employer, job title, industry, customer ID, mailing address, tax registration numbers, revenue, filing frequency, email address, country and state (if applicable), log-in credentials, profile information, payment and purchase history information, and any other information you provided to us.

Survey Information, including information provided in any questions submitted through surveys, or content of any testimonials.

Billing information, such as the name, payment information and payment account details.

Personal Information Automatically Collected

As is true of most digital platforms, we and our third-party providers may also collect Personal Information from an individual’s device, browsing actions and site usage patterns automatically when visiting or interacting with our Site, which may include log data (such as internet protocol (IP) address, operating system, browser type, browser id, the URL entered and the referring page/campaign, date/time of visit, the time spent on our Site and any errors that may occur during the visit to our Site), analytics data (such as the electronic path taken to our Site, through our Site and when exiting our Site, as well as usage and activity on our Site) and location data (such as general geographic location based on the log data we or our third-party providers collect).

We and our third-party providers may use (i) cookies or small data files that are stored on an individual’s computer and (ii) other related online technologies, such as web beacons, pixels, embedded scripts, software developer kits, third-party libraries, location-identifying technologies and logging technologies (collectively, “cookies”) to automatically collect the Personal Information described in the above paragraph.

Some cookies help us maintain the security of our Site and your account, prevent crashes, fix bugs, save your preferences, and assist with basic site functions. We also use cookies from third parties and service providers for analytics purposes. For example, our Site uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”), to collect and view reports about the traffic on our Site. More information about the use of Google Analytics for these analytical and non-advertising purposes can be obtained by visiting Google’s privacy policy (https://policies.google.com/privacy). It is possible to opt out from Google Analytics by going to tools.google.com/dlpage/gaoptout or by downloading the Google Analytics Opt-out Browser Add-on. Google's advertising settings can be adjusted by visiting adssettings.google.com.

To manage cookies, an individual may change their browser settings to: (i) notify them when they receive a cookie, so the individual can choose whether or not to accept it; (ii) disable existing cookies; or (iii) automatically reject cookies. Please note that doing so may negatively impact an individual’s experience using our Site, as some features and offerings may not work properly or at all. Depending on an individual’s device and operating system, the individual may not be able to delete or block all cookies. In addition, if an individual wants to reject cookies across all browsers and devices, the individual will need to do so on each browser on each device they actively use. An individual may also set their email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether they have accessed our email and performed certain functions with it.

Personal Information from Third Parties

We may also obtain Personal Information from third parties; which we often combine with Personal Information we collect either automatically or directly from an individual.

We may receive the same categories of Personal Information as described above from the following third parties:

Your Employer / Company: If your company or employer engages with our Services, we may receive information from the organization such as name and contact information.

Social Media Networks: When an individual interacts with our Services through various social media networks, such as when someone follows us or shares our content on Google, Twitter, or other social networks, we may receive some information about individuals that they permit the social network to share with third parties. The data we receive is dependent upon an individual’s privacy settings with the social network. Individuals should always review and, if necessary, adjust their privacy settings on third-party websites and social media networks and services before sharing information and/or linking or connecting them to other services. For more information about the privacy practices of those social media networks, please review the privacy policies and settings of the social media networks that you use.

Service Providers: Our service providers that perform services solely on our behalf (such as survey and marketing providers, data analytics providers or fraud prevention service providers) collect Personal Information and often share some or all of this information with us.

Information Providers: We may from time to time obtain information from third-party information providers to correct or supplement Personal Information we collect. For example, we may obtain updated contact information from third-party information providers to reconnect with an individual.

Publicly Available Sources: We collect Personal Information about individuals that we do not otherwise have, such as contact information, employment-related information, and interest-in-services information, from publicly available sources. We may combine this information with the information we collect from an individual directly. We use this information to contact individuals, to send advertising or promotional materials or to personalize our Services and to better understand the demographics of the individuals with whom we interact.

Our Use of Personal Information

We collect and use Personal Information for various purposes, including to:

Fulfill or meet the reason the information was provided, such as to fulfill our contractual obligations, to deliver the Services you have requested and to process transactions and process payments, to send notifications related to the customer account;
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Manage our organization and its day-to-day operations, including to create, maintain, and otherwise manage the customer account and maintain records related to business process management;

Communicate with individuals, including via email, push notification, text message, social media and/or telephone calls;

Request individuals to complete surveys about our organization, organizations we partner with, and Services;

Send marketing, advertising, and promotional communications about our Services, product offerings or events, to individuals, including through email, direct mail, phone or text message;

Administer, improve and personalize our Services, including by recognizing an individual and remembering their information when they return to our Site;

Process payment for our Services;

Facilitate client benefits and services, including customer support through our command center services;

Identify and analyze how individuals use our Site and Services;

Conduct research and analytics on our client base and our Services;

Improve and customize our Site and Services to address the needs and interests of our client base and other individuals we interact with;

Test, enhance, update and monitor the Site and Services, or diagnose or fix technology problems;

Help maintain the safety, security and integrity of our property and Services, technology assets and business, including to detect, investigate, prevent, or take action against security incidents;

Defend, protect or enforce our rights or applicable policies, contracts, terms of service and agreements;

Prevent, investigate or provide notice of fraud or unlawful or criminal activity; and

Comply with legal and regulatory obligations, establish or exercise our rights, and defend against a legal claim.

Where an individual chooses to contact us, we may need additional information to fulfill the request or respond to inquiries. We may provide additional privacy disclosures where the scope of the inquiry/request and/or Personal Information we require fall outside the scope of this Privacy Notice. In that case, the additional privacy disclosures will govern how we may process the information provided at that time.

We retain Personal Information we collect where we have an ongoing legitimate business need to do so (for example to comply with applicable legal, tax or accounting requirements). When we have no ongoing legitimate business need to process Personal Information, we will either delete or aggregate it or, if this is not possible due to practical or legal requirements, then we will securely store such Personal Information. If you wish to delete your account or request that we no longer use your Personal Information to provide you with Services, contact us by emailing privacy@anrok.com.

As required by applicable law, we collect and process information about individuals in the EEA and UK only where we have a legal basis for doing so. Our legal bases depend on the Services used and how these are used. We process Personal Information on the following legal bases:

The individual has consented for us to do so for a specific purpose;

We need to process the information to provide the Services, including to operate the Services, provide customer support and personalized features and to protect the safety and security of the Services;

It satisfies a legitimate interest (which is not overridden by the individual's data protection interests), such as preventing fraud, ensuring network and information security, enforcing our rules and policies, protecting our legal rights and interests, research and development, personalizing the Services, and marketing and promoting the Services; or

We need to process the information to comply with our legal obligations.

Our Disclosure of Personal Information

We may disclose Personal Information in the following ways:

Your Employer / Company: If your company or employer engages with our Services, we may disclose your information to the organization such as name and contact information.

Survey Providers: We share Personal Information with third parties who assist us in delivering our survey offerings and processing the responses.

Marketing Providers: We coordinate and share Personal Information with our marketing providers in order to communicate with individuals about the Services we make available.

Customer Service and Communication Providers: We share Personal Information with third parties who assist us in providing our customer services and facilitating our communications with individuals that submit inquiries.

Other Service Providers: In addition to the third parties identified above, we engage other third-party service providers that perform business or operational services for us or on our behalf, such as website hosting, infrastructure provisioning, IT services, analytics services, administrative services.

Other Business As Needed To Provide Services: We may share Personal Information with third parties that an individual engages with through our Services or as needed to fulfill a request or transaction including, for example, payment processing services.

Social Media Networks: Our Site and Services have features such as plugins, widgets, and/or other tools made available by social media networks that may result in information being collected or disclosed between us and such parties. Their use of your information is not governed by this privacy notice.

Business Transaction or Reorganization: We may take part in or be involved with a corporate business transaction, such as a merger, acquisition, joint venture, or financing or sale of company assets. We may disclose Personal Information to a third-party during negotiation of, in connection with or as an asset in such a corporate business transaction. Personal Information may also be disclosed in the event of insolvency, bankruptcy or receivership.

Legal Obligations and Rights: We may disclose Personal Information to third parties, such as legal advisors and law enforcement:
- in connection with the establishment, exercise, or defense of legal claims;
- to comply with laws or to respond to lawful requests and legal process;
- to protect our rights and property and the rights and property of others, including to enforce our agreements and policies;
- to detect, suppress, or prevent fraud;
- to protect the safety and security of our users;
- to protect the health and safety of us and others; or
- as otherwise required by applicable law.

Otherwise With Consent or Direction: We may disclose Personal Information about an individual to certain other third parties or publicly with their consent or direction. For example, with an individual’s consent or direction we may post their testimonial on our Site or service-related publications.

How We Protect Personal Information

Personal Information is maintained on our servers or those of our service providers, and is accessible by authorized employees, representatives, and agents as necessary for the purposes described in this Privacy Notice.

We maintain a range of physical, electronic, and procedural safeguards designed to help protect Personal Information. While we attempt to protect your personal information in our possession, we cannot guarantee at all times the security of the information as no method of transmission over the internet or security system is perfect.

If you choose to remain logged in, you should be aware that anyone with access to your device will be able to access your account and we therefore strongly recommend that you take appropriate steps to protect against unauthorized access to, and use, of your account. Please also notify us as soon as possible if you suspect any unauthorized use of your account or password.

Your Privacy Rights

Depending on your location and subject to applicable law, you may have the following rights regarding the Personal Information we process:

to know what Personal Information we hold and process about you and to access such Personal Information;

to correct any inaccurate Personal Information we may have about you;

to erase your Personal Information;

to cease or to restrict the processing of your Personal Information;

to request to furnish you with the Personal Information which you provide us in a structured, commonly used, and machine-readable format; and

to object to or restrict the processing of your Personal Information.

If we have collected and processed your Personal Information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent.

You can opt out of receiving marketing emails from us by following the unsubscribe link in the emails or by emailing privacy@anrok.com. If you choose to no longer receive marketing information, we may still communicate with you regarding such things as your security updates, product functionality, responses to service requests, or other transactional, non-marketing purposes.

If you have a concern about how we collect and use Personal Information, please contact us. You also have the right to contact your local Data Protection Authority if you prefer, such as:

Data Protection Authorities in the European Economic Area (EEA): https://edpb.europa.eu/about-edpb/board/members_en;
Swiss authorities: https://www.edoeb.admin.ch/edoeb/en/home/deredoeb/kontakt.html ;
UK authority: https://ico.org.uk/global/contact-us/.

International Data Transfers

‍The Site and Services are provided and hosted in the United States. If you are using the Site or Services from outside the United States, your Personal Information may be processed in a foreign country, where privacy laws may be less stringent than the laws in your country. By submitting your personal information to us you agree to the transfer, storage, and processing of your personal information in a country other than your country of residence including, but not necessarily limited to, the United States.

Additional Information for U.S. Residents

Categories of Personal Information We Collect and Our Purposes for Collection and Use

You can find a list of the categories of Personal Information that we collect in the “Our Collection of Personal Information” section above.

In the last 12 months, we collected the following categories of Personal Information depending on the Services used:

Identifiers and account information, such as the username and email address;
Commercial information, such as information about transactions undertaken with us;
Internet or other electronic network activity information, such as information about activity on our Site and Services.
Geolocation information based on the IP address.
Audiovisual information in pictures, audio, or video content that you may choose to submit to us.
Professional or employment-related information or demographic information, but only if you explicitly provide it to us, such as by filling out a survey.
Inferences we make based on other collected data, for purposes such as recommending content and analytics.

For details regarding the sources from which we obtain Personal Information, please see the “Personal Information from Third Parties” section above.

We collect and use Personal Information for the business or commercial purposes described in the “Our Use of Personal Information” section above.

Categories of Personal Information Disclosed and Categories of Recipients

We disclose the following categories of Personal Information for business or commercial purposes to the categories of recipients listed below:

We disclose identifiers with businesses, service providers, and third parties, such as analytics providers and social media networks.
We disclose Internet or other network activity with businesses, service providers, and third parties, such as analytics providers and social media networks.
We disclose geolocation information with businesses, service providers, and third parties such as advertising networks, analytics, and social media.
We disclose payment information with businesses and service providers who process payments.
We disclose commercial information with businesses, service providers, and third parties, such as analytics providers and social media networks.
We disclose audiovisual information with businesses and service providers who help administer customer service and fraud or loss prevention services.
We disclose inferences with businesses and service providers who help administer marketing and personalization.

Privacy rights

Right to Opt-Out of Cookies and Sale/Sharing: Although we do not sell Personal Information for monetary value, our use of cookies and automated technologies may be considered a “sale” / “sharing” in certain states, such as California.

The categories of Personal Information disclosed that may be considered a “sale” / “sharing” include identifiers, device information, Internet or other network activity, geolocation data, and commercial data.

The categories of third parties to whom Personal Information was disclosed that may be considered “sale”/ “sharing” include data analytics providers and social media networks.

We do not have actual knowledge that we sell or share the personal information of individuals under 16 years of age.

If you are a resident of the State of Nevada, Chapter 603A of the Nevada Revised Statutes permits a Nevada resident to opt out of future sales of certain covered information that a website operator has collected or will collect about the resident.

Right to Limit the Use of Sensitive Personal Information: We only collect sensitive Personal Information, as defined by applicable privacy laws, for the purposes allowed by law or with your consent. We do not use or disclose sensitive personal information except to provide you the Services or as otherwise permitted by law. We do not collect or process sensitive Personal Information for the purpose of inferring characteristics.

Right to Access, Correct, and Delete Personal Information: Depending on your state of residence in the U.S., you may have:

(i) the right to request access to and receive details about the Personal Information we maintain and how we have processed it, including the categories of Personal information, the categories of sources from which Personal Information is collected, the business or commercial purpose for collecting, selling, or sharing Personal Information, the categories of third parties to whom Personal Information is disclosed, and the specific pieces of personal information collected;

(ii) the right to delete Personal Information collected, subject to certain exceptions;

(iii) the right to correct inaccurate Personal Information.

When you make a request, we will verify your identity by asking you to sign into your account or if necessary by requesting additional information from you. You may also make a request using an authorized agent. If you submit a rights request through an authorized agent, we may ask such agent to provide proof that you gave a signed permission to submit the request to exercise privacy rights on your behalf. We may also require you to verify your own identity directly with us or confirm to us that you otherwise provided such agent permission to submit the request. Once you have submitted your request, we will respond within the time frame permitted by the applicable law.

If you have any questions or concerns, you may reach us using the methods described under "Your Rights and Choices" or by emailing us at privacy@anrok.com.

Depending on your state of residence, you may be able to appeal our decision to your request regarding your Personal Information. To do so, please contact us by emailing us at privacy@anrok.com. We respond to all appeal requests as soon as we reasonably can, and no later than legally required.

We do not discriminate against customers who exercise any of their rights described in our Privacy Notice.

California Shine the Light: Customers who are residents of California may request information concerning the categories of personal information (if any) we disclose to third parties or affiliates for their direct marketing purposes. If you would like more information, please submit a written request to us at this address: privacy@anrok.com

Do Not Track signals: Most modern web browsers give you the option to send a 'Do Not Track' signal to the sites you visit, indicating that you do not wish to be tracked. However, there is currently no accepted standard for how a site should respond to this signal, and we do not take any action in response to this signal.

Children’s Personal Information

Our Services are not directed to, and we do not intend to, or knowingly, collect or solicit Personal Information from children under the age of 13. If an individual is under the age of 13, they should not use our Services or otherwise provide us with any Personal Information either directly or by other means. If a child under the age of 13 has provided Personal Information to us, we encourage the child’s parent or guardian to contact us to request that we remove the Personal Information from our systems. If we learn that any Personal Information we collect has been provided by a child under the age of 13, we will promptly delete that Personal Information.

Links to Third-Party Websites or Services

Our Site and Services may include links to third-party websites, plug-ins and applications. Except where we post, link to or expressly adopt or refer to this Privacy Notice, this Privacy Notice does not apply to, and we are not responsible for, any Personal Information practices of third-party websites and online services or the practices of other third parties. To learn about the Personal Information practices of third parties, please visit their respective privacy notices.

Updates to This Privacy Notice

We will update this Privacy Notice from time to time. When we make changes to this Privacy Notice, we will change the date at the beginning of this Privacy Notice. If we make material changes to this Privacy Notice, we will notify individuals by email to their registered email address, by prominent posting on this Site or our Services, or through other appropriate communication channels. All changes shall be effective from the date of publication unless otherwise provided.

Contact Us

If you have any questions or requests in connection with this Privacy Notice or other privacy-related matters, please send an email to privacy@anrok.com or you can otherwise contact us by mail at Anrok, Inc., 548 Market St PMB 66708 San Francisco, CA 94104-5401.

Remittances Services Agreement

Last Updated: June 2024

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This Anrok Remittances Services Agreement (“Remittance Agreement”) together with the Anrok Terms of Service available at https://anrok.com/terms-of-service (“Terms”), set forth the terms and conditions under which Anrok, Inc., ("Anrok" or "we") a Delaware corporation, agrees to provide to Customer certain automated clearing house ("ACH") services in connection with Customer's use of Anrok's Platform Service. Defined terms in the Terms have the same meaning in this Remittance Agreement. We reserve the right, in our sole discretion, to make changes or modifications to this Remittance Agreement at any time and for any reason. We will alert you about any changes by email and/or upon renewal of any Order Form and by updating the “Last updated” date of this Remittance Agreement. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Remittance Agreement by your continued use of the services set forth below after the date such revised Remittance Agreement is posted.

Customer understands that through its use of Anrok’s Platform Service, Anrok will process sales tax remittances as ACH entries (“Remittances”) on the Customer’s behalf through Anrok's partner bank (“Bank Partner”) and the ACH system operated by the National Automated Clearinghouse Association ("NACHA"). Accordingly, Customer authorizes Anrok and its Bank Partner to process debit entries on Customer’s behalf to the bank account Customer identified to Anrok in such amounts necessary, up to the limits set forth in each return authorized on the platform, to (i) fund Customer’s sales tax obligation(s) to the applicable jurisdictions identified by the Customer via Anrok’s Platform Service; (ii) verify the Customer's bank account through one or more test deposits or debit authorizations; (iii) pay any other amount that is owing under this Remittance Agreement or in connection with Customer's use of Anrok’s service, and (iv) authorize Anrok and its Bank Partner to correct any errors in any authorized ACH. Customer acknowledges and agrees that Customer's tax obligations may exceed the amounts set forth in Schedule A and that Anrok owes no liability to Customer if its tax obligations exceed that amount.

Anrok and its Bank Partner are not responsible for determining whether the bank accounts of any Customer have restrictions on ACH debits. Customer understands that if Customer does not have sufficient funds in its bank account to pay for a Remittance, then Anrok and its Banking Partner will not be able to pay out the Remittances to the applicable jurisdictions and neither Anrok nor its Bank Partner will be liable for any consequences or claims directly or indirectly arising from such failure. In the event of a failed ACH debit, Anrok and its Bank Partner may (i) debit the bank account or any other account owned in whole or in part by Customer to pay disbursements, fees or charges, sales taxes, or other amounts due; (ii) refuse to pay any unremitted Remittances to the applicable tax agencies, in which case the Remittance liability will become Customer’s sole responsibility; (iii) refuse to perform further Platform Services; or (iv) immediately terminate this Remittance Agreement. For any amounts due and unpaid, Anrok may assess finance charges on such amounts and recover certain fees and costs of collection associated with such amounts in accordance with Section 4.3 of the Terms.

In addition, Customer agrees to the following related to the processing of ACH payments for Remittances:

Customer agrees to be subject to and comply with this Remittance Agreement, the NACHA Rules, and all other applicable laws, rules and regulations as the Originator under the NACHA Rules. Customer further acknowledges it has a copy of the current version of the NACHA Rules. For Customer's reference, Customer may be able to access the NACHA rules at https://www.nachaoperatingrulesonline.org/;
Customer authorizes the Bank Partner to process each Remittance Customer instructs Anrok to transmit to the Bank Partner on its behalf pursuant to the Terms;
Customer will notify Anrok and its Bank Partner in a timely manner of any changes to information relating to its registration, standing or other company information that may impact its ability to legal operate within a jurisdiction.
Customer will not originate any Remittances on the Anrok Platform in violation of applicable laws.
Customer will not originate Remittances on behalf of, or for the benefit of, any entity or person other than the Customer itself.
Customer will maintain documents and authorizations related to Remittances transmitted to Anrok and its Bank Partner. Anrok and its Bank Partner will have the right to conduct audits of Customer and any Remittances, including to audit the Customer’s compliance this Remittance Agreement, with the Terms, the NACHA Rules, and all applicable laws;
Customer represents and warrants to Anrok and its Bank Partner that no Remittances submitted to Anrok will result in Remittances that would violate the sanctions program of the Office of Foreign Assets Control of the U.S. Department of the Treasury;
Customer represents and warrants to Anrok and its Bank Partner that it is compliant with and shall continue to comply with (i) applicable laws and rules relating to the privacy, confidentiality or security of Personal Information; and (ii) all provisions of Customer's information security policies, procedures and guidelines that apply to this Remittance Agreement. Customer will provide Anrok or its Bank Partner with copies of its policies and procedures, including those related to Protected Information, within three (3) Business Days of Anrok's written request.
Customer agrees to maintain a comprehensive written information security program that includes technical, physical, and administrative/organizational safeguards designed to (i) ensure the security and confidentiality of Personal Information and information made available to Customer or received from Anrok or its Bank Partner under this Remittance Agreement; (ii) protect against any anticipated threats or hazards to the security and integrity of such information; (iii) protect against any actual or suspected unauthorized processing, loss, or acquisition of such information; (iv) ensure the proper disposal of such information; and (v) regularly test or otherwise monitor the effectiveness of such safeguards.
Customer acknowledges that Anrok may establish an exposure limit for Customer related to the dollar amount of Remittances that may be transmitted by Customer to Bank Partner pursuant to this Remittance Agreement across multiple settlement dates and that Anrok may review and adjust such exposure limit periodically.

This Remittance Agreement remains in full force and effect until we notify Customer of its termination. Anrok and its Bank Partner may terminate or suspend this Remittance Agreement for breach of this Remittance Agreement or applicable laws and Anrok and its Bank Partners reserve the right to limit or refuse to process a Remittance for Customer.