Welcome to the website, products, application programming interface, AI agents, software tools, integrations, data, documentation, and online services (collectively, our “Service”) of Khloee ApS (“Khloee”, “we”, “our”, or “us”). Our Service includes all content, data, information, reports, communications, or other output transmitted by or through the Service from Khloee to you (“Khloee Data”), as well as our AI debt collection agents and various integrations with third-party programs that you may install and utilize.

This page explains the terms and conditions by which you may use our Service (the “Terms”). The Terms (or, if applicable, your written agreement with us) and any Order Form(s) (defined below) together with all documents referenced herein form the “Agreement” between you and us. When you access or use our Service, or by clicking a button or checking a box marked “I Agree” (or something similar), you signify that you have read, understood, and agree to be bound by the Agreement whether or not you are a registered user of our Service. You also acknowledge that you have read and understood how your personal information will be collected, used, and shared, as set forth in our Privacy Notice.

We reserve the right to modify these Terms and will provide notice of material changes as described below. These Terms apply to all visitors, users, and others who access our Service (“Users”).

PLEASE READ THESE TERMS CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION. THESE TERMS CONTAIN A MANDATORY INDIVIDUAL ARBITRATION AGREEMENT IN SECTION 14.2 AND CLASS ACTION/JURY TRIAL WAIVER PROVISION IN SECTION 14.3 THAT REQUIRE, WITH ONLY SPECIFIED EXCEPTIONS OR UNLESS YOU OPT OUT PURSUANT TO THE INSTRUCTIONS IN SECTION 14.2, THE EXCLUSIVE USE OF FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS ONLY TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS, COLLECTIVE, PRIVATE ATTORNEY GENERAL OR REPRESENTATIVE ACTIONS OR PROCEEDINGS.

Please note that if you are an individual and you access or use our Service on behalf of a company or other entity, such as your employer (together with its affiliates, an “Organization” or “Customer”)), then: (i) the Agreement is a contract between us and you and us and that Organization; (ii) you represent and warrant that you have the authority to bind that Organization to the Agreement; (iii) your acceptance of the Agreement will bind such Organization to the terms of this Agreement; and (iv) the terms “you” and “your”, as used in these Terms, refer to both you and such Organization.

1. How We Administer Our Service

1.1 Eligibility

This is a contract between you and Khloee. You must read and agree to these Terms before using the Service. If you do not agree, you may not use the Service. You may use our Service only if you can form a legally binding contract with us (and on behalf of your Organization, as applicable), and only in compliance with the Agreement and all applicable local, state, national, and international laws, rules, and regulations. Our Service is designed for business-to-business use and you represent that you are accessing it in a professional or commercial capacity.

1.2 Service Accounts

Your account on our Service (your “Service Account”) gives you access to our Service that we may establish and maintain from time to time. We may maintain different types of Service Accounts for different types of users. A subscription allows you to access the Services. A subscription may be procured through the Services interface, or in some cases, via an order form entered into between you and Khloee (each an “Order Form”).

You must provide accurate and complete information to register for an account. You may not share your account credentials or make your account available to anyone else and are responsible for all activities that occur under your Service Account. You should notify us immediately of any breach of security or unauthorized use of your Service Account.

1.3 AI Collection Agent Service

Our Service, including our AI-powered debt collection agents, is dependent upon understanding Customer inputs (including but not limited to debtor data, invoice information, communication templates, and configuration settings) and providing outputs that can assist Customers in their accounts receivable and debt collection activities. These inputs may be performed, and outputs provided, through integrations with your existing systems.

To provide the Service, Khloee processes and stores your data, communications, and agent interactions in real time, enabling our AI agents to conduct collection activities on your behalf. By using the Service, you acknowledge and agree that Khloee may store communications and inputs initiated on, through, or involving our Service, and that Khloee may use these communications and inputs to monitor, develop, and improve our Service.

You hereby grant to Khloee a non-exclusive, worldwide, royalty-free right and license to process your communications, inputs, and responses to provide the Services to you and your Users, including to prevent or address service or technical problems therein.

1.4 AI Output Accuracy

Artificial intelligence and machine learning are rapidly evolving fields. We are constantly working to improve our Service to make it more accurate, reliable, safe, and beneficial. Given the probabilistic nature of machine learning, use of our Service may, in some situations, result in output that is not fully accurate. When you use our Service you understand and agree:

Output may not always be accurate. You should not rely on output from our Service as a sole source of truth or factual information, or as a substitute for professional legal, financial, or compliance advice. You must evaluate output for accuracy and appropriateness for your use case, including using human review as appropriate, before acting on output from the Service. You are solely responsible for ensuring that all collection activities conducted through the Service comply with applicable laws and regulations, including but not limited to fair debt collection practices legislation in your jurisdiction.

1.5 Beta Products

Occasionally, we may offer features identified as “beta,” “pre-release,” or words with similar meanings (each, a “Beta Product”). Beta Products are made available on an “as is” and “as available” basis and, to the extent permitted under applicable law, without any warranties or contractual commitments we make for other Services.

2. Subscription, License, and Restrictions

2.1 Access to Our Service

Subject to your compliance with the Agreement and during the applicable Subscription Term, you may access and use our Service for your own business purposes, as applicable, all in accordance with the Agreement and associated documentation we provide you.

2.2 Software License

To the extent you receive any scripts, pixels, cookies (collectively, “Scripts”), or downloadable software, agents, SDKs, APIs, or other code provided by us in connection with our Services (together with the Scripts, the “Downloadable Software”), we grant to you a non-sublicensable, non-transferrable, non-exclusive, limited license to use the object code version of the Downloadable Software solely as reasonably necessary for your use of our Services in accordance with the Agreement. Unless expressly stated otherwise, all licenses to Downloadable Software are to machine-readable object code. No license is granted in the source code of any Downloadable Software.

2.3 Restrictions and Acceptable Use

You may not use our Service for any illegal, harmful, or abusive activity. Except to the extent a restriction is prohibited by law, you agree not to do, and not to assist, permit, or enable any third party to do, any of the following:

(a) disassemble, reverse engineer, decode, or decompile any part of our Service;

(b) use any robot, spider, scraper, data mining tool, or any other automated means to access, collect, copy, or record our Service, except as expressly permitted;

(c) copy, rent, lease, sell, loan, transfer, assign, sublicense, resell, distribute, modify, alter, or create derivative works of any part of our Service or Khloee Data;

(d) use our Service in any manner that impacts the stability of our servers, the operation or performance of our Service, or any User’s use of our Service;

(e) use our Service or Khloee Data in any manner or for any purpose that violates or promotes the violation of any applicable law, regulation, or right of any person, including intellectual property rights and rights of privacy;

(f) use or display our Service or Khloee Data in competition with us, to develop competing products or services, for benchmarking or competitive analysis, or otherwise to our detriment;

(g) use our Service to harass, threaten, intimidate, or otherwise engage in conduct that violates fair debt collection practices or consumer protection laws in any jurisdiction;

(h) input false, misleading, or fraudulent debtor data or claim information into the Service;

(i) attempt to interfere with, compromise the system integrity or security of, or decipher any transmissions to or from, the servers running our Service;

(j) use our Service to send communications that violate applicable anti-spam, telecommunications, or debt collection communication laws;

(k) transmit viruses, worms, or other software agents through our Service;

(l) impersonate another person or misrepresent your affiliation with a person or entity, or use our Service for any invasive or fraudulent purpose;

(m) share passwords or authentication credentials for our Service, or otherwise circumvent access controls; or

(n) identify or refer to us or our Service in a manner that could reasonably imply an endorsement, relationship, or affiliation with or sponsorship between you and us, without our prior express written consent.

3. Your Content

As between us and you, you (or your licensors) will own any and all information, data, documentation, debtor records, invoice data, and other content, in any form or medium, that is collected, downloaded, or otherwise received, directly or indirectly, from you (or on your behalf) by or through our Service (“Your Content”). For an Organizational account, we may assume, in our sole discretion, that all of Your Content belongs to that Organization.

WE CLAIM NO OWNERSHIP RIGHTS OVER YOUR CONTENT. However, you understand that certain portions of our Service may allow certain Users, debtors, or third parties to view, receive, and interact with communications generated by our AI agents on your behalf.

You further grant, and you represent and warrant that you have all rights necessary to grant, to us a non-exclusive, worldwide, royalty-free right and license to use, copy, store, modify, distribute, and display Your Content: (i) to maintain and provide our Service to you, including generating AI-powered collection communications; (ii) solely in de-identified form, to improve our products and services and for our other business purposes, such as data analysis, model training, and identifying usage trends; and (iii) to perform such other actions as described in our Privacy Notice or as authorized by you.

In connection with Your Content, you affirm, represent, and warrant that: you have obtained all necessary consents and authorizations to submit debtor data and information to our Service; Your Content and our use thereof will not violate any law or infringe any rights of any third party; and Your Content does not include any information classified by any governmental body as sensitive or classified information.

YOU ARE RESPONSIBLE FOR YOUR CONTENT AND FOR ENSURING COMPLIANCE WITH ALL LAWS IN ALL JURISDICTIONS THAT MAY APPLY TO YOUR DATA, INCLUDING BUT NOT LIMITED TO ALL APPLICABLE INTERNATIONAL, FEDERAL, STATE, PROVINCIAL, AND LOCAL LAWS RELATING TO DATA PRIVACY, DATA SECURITY, FAIR DEBT COLLECTION, AND CONSUMER PROTECTION. KHLOEE DOES NOT PROVIDE LEGAL ADVICE AND MAKES NO REPRESENTATIONS AS TO THE ADEQUACY OF THE SERVICES TO SATISFY ANY LEGAL OR COMPLIANCE REQUIREMENTS WHICH MAY APPLY TO YOUR USE CASE.

4. Our Intellectual Property

You acknowledge and agree that our Service, and all materials and content displayed or made available on our Service (other than Your Content), and all software, AI models, algorithms, code, technology, and intellectual property underlying and included in or with our Service, and all intellectual property rights therein throughout the world (collectively, our “Intellectual Property”), are our (or our licensors’) sole and exclusive property. Except as explicitly provided herein, nothing in the Agreement will be deemed to create a license in or under any intellectual property rights.

Feedback. You may choose to, or we may invite you to, submit comments, feedback, or ideas about our Service (“Feedback”). By submitting any Feedback, you agree that we will own such Feedback and that we are free to use the Feedback without any additional compensation to you, and/or to disclose the Feedback on a non-confidential basis or otherwise to anyone.

5. Data Processing and Security

5.1 Personal Data

“Personal Data” means any data or information that: (i) is linked or reasonably linkable to an identified or identifiable natural person; or (ii) is otherwise “personal data,” “personal information,” “personally identifiable information,” or similarly defined under applicable privacy and data protection laws. Except as otherwise outlined in a separate agreement between you and Khloee, Khloee will process Personal Data in connection with the provision of the Services in accordance with our Privacy Notice and any applicable Data Processing Agreement.

5.2 Security

We have implemented commercially reasonable technical and organizational measures designed to secure your data and information from accidental loss and from unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your data for improper purposes. You acknowledge that you provide your data at your own risk.

5.3 Use of AI Models

Our Service utilizes artificial intelligence and machine learning models, including third-party large language models, to power our debt collection agents. We may use de-identified and aggregated data derived from Your Content to train, improve, and develop our AI models and Service. You acknowledge that the AI-generated communications and actions taken by our agents are produced by probabilistic models and should be subject to appropriate human oversight as determined by you.

6. Third-Party Services

Our Service may include or integrate with third-party software, products, or services (“Third-Party Services”), such as email delivery platforms, telephony providers, payment processors, CRM systems, and accounting software. Third-Party Services are subject to their own terms and conditions, and we are not responsible for them. Your use of any Third-Party Service is at your own risk, and you should review the applicable terms and privacy policies before enabling any integration.

7. Payments, Billing, and Subscription Plans

7.1 Fees

For Customers that purchase a subscription to use our Services, fees are specified through your online account, Order Form, or otherwise communicated to you by Khloee, and must be paid in advance unless otherwise agreed. Payment obligations are non-cancelable once incurred. Except as expressly stated in the Agreement, fees paid are non-refundable. Fees are stated exclusive of any taxes, levies, duties, or similar governmental assessments (collectively, “Taxes”). You will be responsible for paying all Taxes associated with your purchases, except for those taxes based on our net income.

7.2 Billing Policies

We may add new services for additional fees, or amend fees for existing services, at any time in our sole discretion by giving you at least thirty (30) calendar days’ written notice, such increase to take effect at the beginning of the next billing cycle. If you are unhappy with the increase, you may give notice to terminate the Agreement by providing at least thirty (30) calendar days’ written notice prior to the next billing date.

7.3 Payment Processing

We use a third-party payment processor (“Payment Processor”), currently Stripe, Inc., to process payments. We do not view or store your full credit card or other payment method information. You acknowledge and agree that we are not responsible for any breaches of payment method security by the Payment Processor.

7.4 Cancellation

YOU CAN CANCEL YOUR SUBSCRIPTION AT ANY TIME BY PROVIDING US WITH AT LEAST THIRTY (30) CALENDAR DAYS’ NOTICE PRIOR TO YOUR NEXT SUBSCRIPTION BILLING DATE. YOU MUST CANCEL YOUR SUBSCRIPTION BEFORE IT RENEWS IN ORDER TO AVOID BEING CHARGED FOR THE NEXT CYCLE’S FEES. If you cancel your subscription, the cancellation will become effective at the end of the then-current Subscription Period and you will continue to have access to your subscription through that date.

7.5 Refunds

EXCEPT AS OTHERWISE EXPRESSLY SET FORTH IN THE AGREEMENT, UNLESS REQUIRED BY APPLICABLE LAW, WE DO NOT PROVIDE REFUNDS FOR ANY SUBSCRIPTION; NOR DO WE PROVIDE CREDIT, REFUNDS, OR PRORATED BILLING FOR SUBSCRIPTIONS THAT ARE CANCELED MID-CYCLE.

8. Term and Termination

8.1 Subscription Term

A subscription continues until terminated or canceled. The Agreement remains effective until all subscriptions ordered under the Agreement have expired or been terminated, or the Agreement itself terminates. Termination of the Agreement will terminate all subscriptions.

8.2 Auto-Renewal

All subscriptions automatically renew for additional periods equal to the preceding Subscription Period. The pricing during any automatic renewal will be the then-current price communicated to you by us. Either party can give the other notice of non-renewal at least thirty (30) calendar days before the next billing date to stop a subscription from automatically renewing.

8.3 Termination for Cause

Khloee or you may terminate the Agreement on notice to the other party if the other party materially breaches the Agreement and such breach is not cured within ten (10) calendar days after the non-breaching party provides notice of the breach. We may also suspend or terminate your access immediately if: (a) you materially breach these Terms; (b) we determine your use exposes us or others to risk of liability or harm; or (c) to comply with law or government requests.

8.4 Effects of Termination

Termination or expiration will not affect any rights or obligations, including payment of amounts due, that have accrued under the Agreement up to the date of termination or expiration. Upon termination of the Agreement, we will delete all of Your Content from our systems within thirty (30) days, unless we are legally required to retain it. The provisions that are intended by their nature to survive termination will survive, including confidentiality obligations, limitations of liability, disclaimers, and indemnification.

9. Confidentiality

Each party (the “Receiving Party”) agrees to hold in confidence all non-public information disclosed by the other party (the “Disclosing Party”) that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information (“Confidential Information”). The Receiving Party will not use the Disclosing Party’s Confidential Information except as necessary to exercise its rights and fulfill its obligations under the Agreement. The Receiving Party will use reasonable measures to protect against unauthorized disclosure, and will not disclose Confidential Information to any third party except to its employees, contractors, and agents who have a need to know and are bound by obligations of confidentiality at least as protective as those herein.

10. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED “AS IS.” EXCEPT TO THE EXTENT PROHIBITED BY LAW, WE AND OUR AFFILIATES AND LICENSORS MAKE NO WARRANTIES (EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE) WITH RESPECT TO THE SERVICES, AND DISCLAIM ALL WARRANTIES INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, NON-INFRINGEMENT, AND QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF ANY COURSE OF DEALING OR TRADE USAGE.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ACCURATE, OR ERROR FREE, OR THAT ANY CONTENT WILL BE SECURE OR NOT LOST OR ALTERED. YOU ACCEPT AND AGREE THAT ANY USE OF OUTPUTS FROM OUR SERVICE IS AT YOUR SOLE RISK AND YOU WILL NOT RELY ON OUTPUT AS A SOLE SOURCE OF TRUTH OR FACTUAL INFORMATION, OR AS A SUBSTITUTE FOR PROFESSIONAL LEGAL, FINANCIAL, OR COMPLIANCE ADVICE.

KHLOEE DOES NOT GUARANTEE ANY SPECIFIC COLLECTION OUTCOMES, RECOVERY RATES, OR DEBTOR RESPONSE RATES. THE EFFECTIVENESS OF THE SERVICE DEPENDS ON MANY FACTORS OUTSIDE OUR CONTROL, INCLUDING THE QUALITY OF DATA PROVIDED, DEBTOR CIRCUMSTANCES, AND APPLICABLE LEGAL REQUIREMENTS.

11. Limitation of Liability

NEITHER WE NOR ANY OF OUR AFFILIATES OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, OR DATA OR OTHER LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR AGGREGATE LIABILITY UNDER THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID FOR THE SERVICE THAT GAVE RISE TO THE CLAIM DURING THE 12 MONTHS BEFORE THE LIABILITY AROSE OR ONE HUNDRED DOLLARS ($100).

THE LIMITATIONS IN THIS SECTION APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. Some jurisdictions do not allow the disclaimer of certain warranties or the limitation of certain damages, so some or all of the terms above may not apply to you, and you may have additional rights. In that case, these Terms only limit our responsibilities to the maximum extent permissible in your jurisdiction.

12. Indemnification

12.1 By Customer

To the extent permitted by law, you will indemnify, defend, and hold harmless Khloee, our affiliates, and our personnel from and against any costs, losses, liabilities, and expenses (including attorneys’ fees) from third-party claims arising out of or relating to: (a) your use of the Services in violation of this Agreement, including violation of applicable debt collection, consumer protection, or data privacy laws; (b) Your Content; (c) any collection activities conducted through the Service; or (d) your violation of these Terms or applicable law.

12.2 By Khloee

Khloee will indemnify, defend, and hold you harmless against any liabilities, damages, and costs (including reasonable attorneys’ fees) payable to a third party arising out of a third-party claim alleging that the Service itself (excluding Your Content and your configuration thereof) infringes any third-party intellectual property right.

12.3 Indemnification Procedure

A party seeking indemnity will provide the indemnifying party with prompt written notice upon becoming aware of any claim, reasonable cooperation in the defense or investigation of the claim, and allow the indemnifying party sole control of defense and settlement of the claim, provided that the party seeking indemnity is entitled to participate in its own defense at its sole expense. The indemnifying party may not enter into any settlement that imposes liability on the other party without the other party’s prior written consent.

13. Regulatory Compliance and Customer Obligations

You acknowledge that debt collection activities are subject to extensive regulation in many jurisdictions. You are solely responsible for:

(a) ensuring that your use of the Service complies with all applicable debt collection, consumer protection, data privacy, and communication laws in every jurisdiction where you operate or where debtors are located;

(b) obtaining all necessary licenses, permits, and registrations required to conduct debt collection activities in your jurisdictions;

(c) the accuracy and legality of all debtor data, claim information, and other content you provide to the Service;

(d) configuring the Service appropriately, including communication frequency limits, time-of-day restrictions, and opt-out mechanisms, to comply with applicable law;

(e) implementing appropriate human oversight of AI-generated collection communications and actions; and

(f) maintaining your own records and compliance documentation as required by applicable law.

KHLOEE IS A TECHNOLOGY PROVIDER AND DOES NOT ITSELF ENGAGE IN DEBT COLLECTION. YOU ARE THE PRINCIPAL IN ALL COLLECTION ACTIVITIES CONDUCTED THROUGH THE SERVICE, AND KHLOEE ACTS SOLELY AS YOUR TECHNOLOGY SERVICE PROVIDER. KHLOEE DOES NOT PROVIDE LEGAL ADVICE AND IS NOT A LAW FIRM OR COLLECTION AGENCY.

14. Dispute Resolution

14.1 Informal Dispute Resolution

Khloee wants to understand and address your concerns prior to formal legal action. Before filing a claim against the other party, each party agrees to try to resolve Disputes informally by contacting the other party. If a Dispute is not resolved within sixty (60) days of notice, either party may proceed as set forth below.

14.2 Mandatory Arbitration

You and Khloee agree to resolve any Disputes through final and binding arbitration, except as set forth below. The arbitration will be administered by a mutually agreed-upon arbitration body under its then-prevailing rules. The arbitration will be conducted in English. The arbitrator’s decision will be final and binding. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

Opt-Out. You can decline this arbitration agreement by notifying Khloee in writing within thirty (30) days of first accepting these Terms. Such notice must be sent to our registered address.

14.3 Class Action/Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND KHLOEE EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND.

15. Changes to These Terms

We reserve the right, at our sole discretion, to change or modify portions of these Terms at any time. If we do this, we will post the changes on this page and will indicate at the top of this page the date these Terms were last revised. We will also notify you, either through the Service user interface, in an email notification, or through other reasonable means. Your continued use of the Service after the date any such changes become effective constitutes your acceptance of the new Terms. If you do not agree to abide by these or any future Terms, do not use or access the Service.

16. General Provisions

16.1 Entire Agreement

The Agreement constitutes the entire agreement between you and Khloee with respect to the subject matter hereof and supersedes all prior or contemporaneous understandings regarding such subject matter.

16.2 Governing Law

This Agreement will be governed by the laws of Denmark without regard to its conflict of law provisions. Subject to Section 14, all claims arising out of or relating to this Agreement will be brought in the courts of Copenhagen, Denmark.

16.3 Severability

If any provision of these Terms is held to be unenforceable, such provision will be modified to reflect the parties’ intention and only to the extent necessary to make it enforceable, and the remaining provisions of the Agreement will remain in full effect.

16.4 Assignment

You may not assign or transfer the Agreement, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer the Agreement without such consent will be null. We may freely assign or transfer the Agreement without restriction. Subject to the foregoing, the Agreement will bind and inure to the benefit of the parties, their successors, and permitted assigns.

16.5 Waiver

No waiver of any provision of these Terms will be deemed a further or continuing waiver of such provision or any other provision, and Khloee’s failure to assert any right or provision under these Terms will not constitute a waiver of such right or provision.

16.6 Notices

Notices must be sent via email, first class, airmail, or overnight courier and are deemed given when received. Notices to you may also be sent to the applicable account email address and are deemed given when sent. Notices to Khloee should be sent to our registered business address or to the email address specified in your Order Form.

16.7 Force Majeure

Neither party will be liable for any delay or failure to perform its obligations (other than payment obligations) due to causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics, or interruptions in third-party telecommunications or internet services.

16.8 Relationship of the Parties

The parties are independent contractors. The Agreement does not create a partnership, franchise, joint venture, agency, fiduciary, or employment relationship between the parties.