Terms of Use – Bujeti

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Current as of February 10, 2025

Terms and conditions

By accessing our website, you are agreeing to be bound by these terms of use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws.

1. About these terms

These Terms of Use (“Terms”) govern access to and use of the digital platforms, including website (www.bujeti.com) and mobile application (collectively, the “Platform”), and all services, features, tools, and functionalities made available through the Platform (collectively, the “Services”) owned and/or operated by Bujeti Limited (“Bujeti ”, “Company” "we", "us" or "our").

2. Who we are

Bujeti is a technology company that offers businesses in Africa a finance control centre capable of managing expenses, automating payments, and issuing corporate cards for total control and visibility, among others. You may view the full range of our products here.

3. How you accept these terms

These Terms form a comprehensive binding agreement between each User of the Platform or Services (“User”, “you”, or “your”). By accessing, browsing, registering on, or using the Platform or Services in any manner,, you confirm that you have read and understood these Terms, and that you accept these Terms and agree to comply with them. If you do not agree to these Terms, you must not access or use the Platform.

Where you are using the Platform on behalf of a company, partnership, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and all references to “you” or “your” shall be construed accordingly.

We reserve the right to update or modify these Terms at any time, in line with these Terms. Any updated version will be made available on the Platform, and continued use of the Platform after such update constitutes acceptance of the revised Terms.

4. Definitions

For the purposes of these Terms:

“Account” means a registered user account created on the Platform by a User for the purpose of accessing and using the Services.

“Authorised User” means any individual authorised by a Business to access and use the Platform on its behalf, including administrators, employees, contractors, or agents.

“Bank Account” means any centralised or external business bank account linked to the Platform for the purpose of tracking balances, initiating payments, or monitoring transactions.

“Business” means any company, partnership, sole proprietorship, or other legal entity that registers for and uses the Platform.

“Content” includes all means all data, information, instructions, transaction details, documents, text, images, video, audio, graphics, and other materials published on the Platform.

“Linked Account” means any Bank Account, wallet, or financial account connected to the Platform by a User.

“Platform Policies” means any policies published on the Platform or otherwise communicated to the User as they relate to the use of the Platform.

“Tax Vault” means a designated wallet, account, or feature on the Platform that allows Users to segregate and hold funds earmarked for tax obligations.

“Third-Party Services” has the meaning ascribed to it in clause 8 of these Terms.

“Third-Party Service Provider” means the third-parties who provide Third-Party Services.

“User Content” means all Content submitted, uploaded, generated, or transmitted by the User or its Authorised Users through the Platform.

5. Who can use the Platform and how to sign up

5.1. Who can use the platform

Use of the Platform is restricted to legally registered business entities and other organisations capable of entering into binding contracts under applicable law. Individuals may access and use the Platform solely in their capacity as Authorised Users. In such case, such individuals must not be less than 18 years of age.

5.2. How to sign up

To access the Platform, users must create an Account by providing complete, accurate, and up-to-date information as may be required from time to time, including business, identity, and compliance-related information. The Company reserves the right to request additional information or documentation for verification and regulatory purposes. You are responsible for configuring your information technology, computer programmes and platform to access our Platform and Services. You are responsible for implementing and maintaining appropriate security measures for your devices, accounts, and any systems you use to access our Platform and Services.

5.3. Checking and verifying your information

Account registration and continued access to the Platform are subject to applicable know-your-customer (KYC), anti-money laundering (AML), counter-terrorism financing (CTF), and other regulatory checks. The Company may delay, restrict, suspend, or refuse account registration where required information is not provided or verification cannot be completed to its satisfaction.

5.4. You must keep your account details safe

Users are responsible for maintaining the confidentiality of their login credentials and for all activities carried out through their Account, whether such activities were authorized or not. The Company shall not be liable for any loss arising from unauthorised access resulting from the User’s failure to safeguard their credentials.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

Each Authorised User must access the Platform using their own unique login credentials. The sharing of login credentials between individuals, including employees or contractors of the same Business, is strictly prohibited and constitutes a security breach. Any loss, damage or misuse arising from shared credentials shall be the sole responsibility of the User.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at contact@bujeti.com.

5.5. You must keep your information accurate and up-to-date

Users undertake to promptly update their Account information where any change occurs and acknowledge that failure to maintain accurate information may result in suspension or termination of access to the Platform and Services.

6. User Obligations and Acceptable Use

6.1. What you must do

The User agrees to:

(a) use the Platform solely for lawful business purposes and in compliance with all applicable laws, these Terms, and in accordance with the documentation, guidelines, and policies made available by the Company from time to time;

(b) ensure that all information provided to the Company in connection with the registration, use, and operation of the Platform is accurate, complete, and kept up to date;

(c) maintain the confidentiality and security of its login credentials and promptly notify the Company of any unauthorised access, suspected compromise, or misuse of its account;

(d) ensure that only duly authorised employees, officers, contractors, or representatives access and use the Platform on its behalf, and remain fully responsible for all actions carried out through its Account, whether authorised or not;

(e) where the Platform makes available configurable controls, including but not limited to role-based permissions, approval workflows, transaction limits, alerts or blocking rules, be solely responsible for configuring, enabling, monitoring and enforcing such controls. Any failure to implement or properly use such controls shall be at the User’s risk.

(f) ensure sufficient funds are available in Linked Accounts to cover transactions initiated through the Platform and any applicable fees or charges;

(g) promptly cooperate with any reasonable requests made by the Company for information, verification, or documentation in connection with regulatory, compliance, security, or risk-management requirements; and

(h) promptly notify the Company promptly and in any event without undue delay, upon becoming aware of any suspected fraud, unauthorised access, misuse or suspicious activity relating to its Account or use of the Platform. Failure to provide timely notice may limit the Company’s ability to investigate or assist and shall not give rise to any liability on the part of the Company.

6.2. What you must not do

The User shall not, and shall ensure that its Authorised Users do not:

(a) use the Platform for any fraudulent, unlawful, or misleading purpose, or in a manner that violates applicable financial, anti-money laundering, counter-terrorism financing, tax, or sanctions laws;

(b) submit false, inaccurate, or misleading information, or impersonate any person or entity;

(c) attempt to gain unauthorised access to the Platform, any linked systems, or other Users’ accounts, or interfere with the integrity, security, or performance of the Platform;

(d) attempt to circumvent any limits, approval controls, or security measures on the Platform;

(e) use the Platform to process transactions on behalf of third parties without the Company’s prior written consent;

(f) misuse the Platform by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our Platform is stored or any server, computer or database connected to our Platform. You must not attack our Platform via a denial-of-service attack or a distributed denial-of service attack. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

(g) introduce any virus, malware, or other harmful code into the Platform, or engage in any activity that may disrupt or degrade the Platform’s operation;

(h) copy, modify, reverse engineer, decompile, or attempt to derive the source code of any part of the Platform, except to the extent expressly permitted by law;

(i) You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our site or any services provided via, or in relation to, our site. This includes using (or permitting, authorising or attempting the use of:

Any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the site or any data, content, information or services accessed via the same.
Any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations;

(j) use the Platform in a manner that may expose the Company, its partners, or service providers to legal, regulatory, reputational, or operational risk.

Without prejudice to any other rights or remedies available to the Company, any breach of this clause may result in the suspension, restriction, or termination of the User’s access to the Platform, in accordance with these Terms.

6.3. What happens when you breach these Terms

Any violation of these Terms may result in:

(a) Immediate suspension or termination of access;

(b) Legal consequences including liability for damages or regulatory penalties;

7. Your Authorisation and Consent

7.1. Your authorization to us

The User authorises the Company to act on instructions provided through the Platform by the User or any duly authorised administrator, employee, agent, or representative of the User. The User acknowledges that the Company is entitled to rely on such instructions without further enquiry.

The authorisations and consents granted under this section remain in effect for as long as the User maintains an account on the Platform or continues to use the services, unless withdrawn or canceled in line with these Terms.

The User acknowledges that the Company may rely on Platform records, audit logs and activity histories as conclusive evidence of instructions given and actions taken through the Account.

7.2. Access to your bank and financial data

When a User opts for the Bujeti Bank Connect product, the User expressly authorises the Company, and its approved third-party service providers, to:

(a) connect to, access, retrieve, and process information relating to the User’s Linked Accounts;

(b) view transaction data and balances for the purpose of providing real-time tracking, payments, and financial visibility; and

7.3. Making and executing payments

The User consents to the initiation, processing, and execution of payments, transfers, and card transactions in accordance with instructions submitted via the Platform. The User acknowledges that once a transaction has been initiated and processed, it may not be reversed except as permitted by applicable law or the relevant Third-Party Service Provider. The Company shall use its reasonable and best endeavours to investigate the issue upon notification by the Company of any erroneous or fraudulent transaction and, where practicable, assist the User in seeking a correction or reversal through the relevant financial institution or other Third-Party Service Provider.

Due to the nature of the Services, all payments are final and non-refundable except where required by applicable law. The Company may respond to chargebacks by providing relevant user and transaction data to payment providers. Repeated or fraudulent chargebacks may result in account restriction, suspension, or reporting to financial authorities.

The Company does not guarantee the reversal, cancellation, or recovery of any transaction once it has been authorised and processed. You acknowledge that the Company does not control the underlying banking systems, card networks, or third-party payment processors through which transactions are executed. Accordingly, the Company shall not be responsible or liable for any loss arising from erroneous or fraudulent transactions initiated through a User’s Account, or other circumstances beyond the Company’s reasonable control.

Any alerts, flags or blocking mechanisms made available on the Platform operate solely based on rules and policies configured by the User and do not constitute monitoring, supervision or verification by the Company of the legitimacy, appropriateness or lawfulness of any transaction. The Company does not assume any duty to detect, prevent, or report fraudulent or unauthorised activity unless expressly agreed in writing.

7.4. How taxes are set up and managed

Where the User elects to configure tax obligations on the Platform, the User authorises the Company to apply the User’s instructions to calculate, segregate, and allocate funds into a designated Tax Vault. The User acknowledges that the Company does not provide tax advice and that responsibility for accurate tax filings and remittances remains solely with the User.

8. Our fees/charges and how we bill

8.1. Fees and Charges

The User agrees to pay all applicable fees and charges for the use of the Platform and related Services as may be published on the Platform here, communicated to the User, or otherwise agreed from time to time (“Fees”).

The Company may revise Fees from time to time, with prior notice to the User, unless such changes in Fees are made pursuant to applicable laws or regulatory directives. Continued use of the Platform after such notice shall constitute acceptance of the revised Fees. Changes in Fees shall apply only to new billing cycles and shall not affect existing subscriptions, unless otherwise required by law or regulatory directive, in which case notice will be provided as soon as reasonably practicable.

Failure to pay applicable Fees when due may result in the suspension or restriction of the User’s access to the Platform, without prejudice to the Company’s other rights under these Terms or applicable law.

8.2. How we bill

Fees shall be billed and collected in the manner specified on the Platform, which may include automatic deductions from the User’s linked bank account, wallet, card, or other payment method as approved by the Company. The User authorises the Company to debit the applicable Fees as and when due, subject to applicable law.

8.3. Third-Party Charges

Certain services on the Platform may involve third-party providers, including banks, card networks, or payment processors. The Company shall not be responsible for any fees, charges, or costs imposed by such third parties, which shall be borne solely by the User.

8.4. Fees are exclusive of taxes

All Fees are exclusive of applicable taxes unless expressly stated otherwise. The User is responsible for any taxes, levies, or statutory charges arising from its use of the Platform, except where the Company is required by law to deduct or remit such taxes.

8.5. What happens when you do dispute a charge

Where the User reasonably disputes any charge, the User shall notify the Company promptly. The Company shall use reasonable endeavours to review and clarify the charge.

9. We are not responsible for websites we link to

The Platform may integrate with, connect to, or rely on services provided by third parties, including but not limited to banks, card networks, payment processors, financial institutions, tax authorities, identity verification providers, data aggregation services, and other service providers (“Third-Party Services”).

The availability, performance, accuracy, and reliability of Third-Party Services are subject to the terms, conditions, policies, and operational capabilities of the relevant third parties. The Company does not control, endorse, or assume responsibility for any Third-Party Services, and makes no representations or warranties in relation to their availability, functionality, or continued operation.

By using the Platform and enabling any Third-Party Service, the User authorises the Company to access, transmit, store, and process data, instructions, and transaction information as required to facilitate the relevant integration. The User acknowledges that such access and processing may be subject to the terms and privacy practices of the relevant third party.

The Company shall not be liable for any loss, delay, error, interruption, or failure arising from or attributable to any Third-Party Service, including system outages, processing delays, inaccurate data, declined transactions, or regulatory actions taken by third-party providers or authorities.

Where Third-Party Services impose fees, limits, restrictions, or additional requirements, such terms shall apply directly between the User and the relevant third party. The Company shall not be responsible for any charges, penalties, or consequences arising from the User’s use of Third-Party Services.

The Company reserves the right, at any time and without liability, to modify, suspend, replace, or discontinue access to any Third-Party Service where required by law, regulation, security concerns, or operational considerations.

10. How suspension, termination and cancellations work

10.1. User-Initiated Cancellations

Users may cancel active subscriptions through their account settings at any time. Access to the subscribed content will continue until the end of the current billing cycle. No prorated or partial refunds will be issued for unused time. Cancellation will take effect from the next billing cycle. Bujeti will not be responsible for any content loss or subscription disruption caused by voluntary account closure or inactivity by the User.

10.2. Platform-Initiated Suspension or Termination

Bujeti reserves the right to suspend, restrict, or permanently terminate access to any account, subscription, or content if you:

(a) violate these Terms or any Platform Policy;

(b) engage in fraud, abuse, or conduct harmful to other Users;

(d) provide false, misleading, or incomplete information.

(e) Fail to update your Account information after being requested to do so.

No refunds will be issued for termination based on violations. You may appeal a decision by contacting contact@bujeti.com

11. How Intellectual Property and User Content are handled

11.1. Our intellectual property rights

All intellectual property rights in and to the Platform, including the software, source code, object code, architecture, design, interfaces, databases, algorithms, trademarks, logos, trade names, documentation, and all related Content (other than User Content) (collectively, the “Platform IP”), are and shall remain the exclusive property of the Company or its licensors. Nothing in these Terms grants the User any ownership interest in the Platform IP.

11.2. How you may use material on our Platform

Subject to compliance with these Terms and other Platform Policies, the Company grants the User a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for its internal business purposes during the term of these Terms.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site. Our status (and that of any identified contributors) as the authors of our Content on our Platform must always be acknowledged (except where the Content is User Content).

If you print off, copy, download, share or repost any part of our site in breach of these Terms , your right to use our Platform will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

The User shall not:

(a) copy, modify, adapt, translate, or create derivative works from the Platform or Platform IP. Therefore, you must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text;

(b) reverse engineer, decompile, disassemble, or otherwise attempt to extract the source code;

(d) remove, obscure, or alter any proprietary notices.

must always be acknowledged.

11.3. Who Owns User Content?

Whenever you make use of a feature that allows you to upload User Content to our Platform, or to make contact with other Users of our Platform, you must comply with these Terms as they relate to User Content.

The User retains ownership of its User Content, subject to the rights granted under these Terms. User grants the Company a worldwide, non-exclusive, royalty-free licence to access, use, monitor, host, store, process, reproduce, transmit, and display User Content solely for the purposes of:

(a) providing, operating, maintaining, and improving the Platform and Services;

(b) processing payments, approvals, tax configurations, and transactions;

(d) preventing fraud, misuse, and security incidents.

We have the right to disclose your identity to any third party who is claiming that any User Content posted or uploaded by you to our Platform constitutes a violation of their intellectual property rights, or of their right to privacy.

If the User provides suggestions, ideas, or feedback regarding the Platform (“Feedback”), the Company may use such Feedback without restriction, obligation, or compensation to the User. Any Feedback provided shall not be considered confidential.

You are solely responsible for securing and backing up your User Content.

11.4. Your assurances

The User represents and warrants that:

(a) it owns or has all necessary rights, licences, and consents to submit and use the User Content on the Platform;

(b) the User Content does not infringe any third-party intellectual property, privacy, or proprietary rights; and

11.5. Content and Use - What you must not do

The User shall not submit User Content that:

(a) is unlawful, fraudulent, misleading, or deceptive;

(b) infringes intellectual property or confidentiality obligations;

(d) violates any applicable financial, data protection, or regulatory requirements.

The Company reserves the right to remove or restrict access to User Content that violates these Terms or applicable law. If you consider that some User Content has been mistakenly removed or blocked from the Services, or if you wish to complain about Content on the Platform, please contact us on contact@bujeti.com. We will promptly review our decision to remove or retain such Content.

11.6. Third-Party Intellectual Property

All third-party intellectual property rights remain the property of their respective owners and may be subject to additional terms.

12. How you may use material on our site?

12.1. Our intellectual property rights

BUJETI PROVIDES THE PLATFORM AND SERVICES ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. WE DO NOT GUARANTEE THAT OUR PLATFORM, OR ANY CONTENT OR SERVICES ON IT, WILL ALWAYS BE AVAILABLE OR BE UNINTERRUPTED. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, OR AVAILABILITY OF UNINTERRUPTED SERVICE.BUJETI MAKES NO WARRANTY OR REPRESENTATION REGARDING THIRD-PARY SERVICES AND SHALL HAVE NO LIABILITY FOR THEM.

WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), BREACH OF STATUTORY DUTY, OR OTHERWISE, EVEN IF FORESEEABLE, ARISING FROM OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES INCLUDING LOSS OF ANTICIPATED SAVINGS AND LOSS OF BUSINESS OPPORTUNITY, GOODWILL OR REPUTATION.

THE USER ACKNOWLEDGES AND AGREES THAT THEY ARE SOLELY RESPONSIBLE FOR ENSURING THE ACCURACY AND COMPLETENESS OF ALL INSTRUCTIONS INITIATED VIA THE PLATFORM, AND ANY OTHER INFORMATION PROVIDED FOR THE EXECUTION OF TRANSACTIONS THROUGH THE PLATFORM. BUJETI SHALL NOT BE LIABLE FOR ANY LOSS, DELAY, OR FAILURE IN PROCESSING INSTRUCTIONS DUE TO ERRORS, INACCURACIES, OR OMISSIONS ON THE PART OF THE USER. ONCE A TRANSACTION HAS BEEN PROCESSED IN ACCORDANCE WITH THE DETAILS PROVIDED BY THE USER, BUJETI SHALL HAVE NO OBLIGATION TO REVERSE, REFUND, OR RECOVER FUNDS ERRONEOUSLY TRANSFERRED DUE TO INCORRECT OR OUTDATED INFORMATION SUPPLIED BY THE USER. ANY ATTEMPTS TO RECOVER FUNDS WILL BE MADE AT OUR SOLE DISCRETION AND SUBJECT TO APPLICABLE LAWS. WE DO NOT GUARANTEE THE SUCCESSFUL RECOVERY OF SUCH FUNDS.

UNLESS OTHERWISE AGREED, OUR MAXIMUM AGGREGATE LIABILITY UNDER THESE TERMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO US, IF ANY, IN THE THREE (3) MONTHS PRECEDING THE DATE OF THE CLAIM.

We may suspend or withdraw or restrict the availability of all or any part of our Platform or Services for business, operational or regulatory reasons. We will endeavour to give you reasonable notice of any suspension or withdrawal of Service, where practicable.

You are also responsible for ensuring that all persons who access our Platform through you are aware of these Terms and other applicable terms and conditions, and that they comply with them.

12.2. Do not rely on information on our Platform

The Content on our Platform is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the Content on our Platform.

Although we make reasonable efforts to update the information on our Platform, we make no representations, warranties or guarantees, whether express or implied, that the Content on our site is accurate, complete or up-to-date.

12.3. Your Indemnity obligations

You agree to fully indemnify, defend, and hold harmless, Bujeti, its affiliates, directors, officers, employees, agents, licensors, partners, and successors (collectively, the “Indemnified Parties”) from and against any and all claims, demands, liabilities, damages, losses, costs, expenses, fines, penalties, and legal fees (including but not limited to attorney’s fees and costs of defense) arising out of or in connection with:

(a) Any actual or alleged breach of these Terms by you or any person acting on your behalf.

(b) Your violation of any Applicable Laws or third-party rights, including intellectual property rights, privacy rights, or contractual obligations.

(c) Any unauthorized, negligent, fraudulent, or unlawful use of any Service or the Platform, products, or proprietary information of Bujeti by you or anyone accessing the Services through your account including where arising from failure to implement or enforce internal controls or security practices

(d) Any claims, suits, or proceedings brought against the Indemnified Parties due to your actions, omissions, or misrepresentations.

This indemnity obligation shall be in addition to any other indemnities provided under these Terms.

12.4. We are not responsible for websites we link to

13. How we may use your personal information

Bujeti respects your privacy and is committed to protecting your personal and business information in line with applicable data protection and privacy laws. The collection, use, storage, and disclosure of information provided by you when using the Platform shall be in line with our Privacy Policy, which forms an integral part of these Terms and is incorporated herein by reference. By using the Platform or Services, you consent to Bujeti’s collection and use of your information in accordance with the Privacy Policy.

The Company may create and use anonymised or aggregated data derived from Platform usage for analytics, reporting, product improvement, and statistical purposes, provided that such data does not identify any specific User or individual.

Where applicable, the User acknowledges and consents to the transfer, storage, and processing of data across jurisdictions, subject to appropriate safeguards and applicable data protection laws.

Where the Services integrate Third-Party Services, you agree and acknowledge that data may be shared to the extent required to fulfill such integrations. You are encouraged to review the privacy practices of these Third-Party Service Providers.

14. Which country's laws apply to any disputes?

These Terms and the rights and obligations of the Parties hereunder shall be governed by and interpreted and construed in accordance with the laws of the Federal Republic of Nigeria.

In the event of a controversy, claim or dispute arising out of or relating to this Terms, the parties shall attempt in good faith to resolve such controversy, claim or dispute promptly by negotiation between the parties or their authorized representatives. You shall, before exploring any other remedy in law, notify us of the dispute or complaint through the contact details specified in these Terms. If parties are unable to resolve the controversy, claim or dispute, the parties shall be to the exclusive jurisdiction of the courts of the Federal Republic of Nigeria unless otherwise agreed in writing.

15. We may make changes to these Terms

We reserve the right to amend, revise, or replace these Terms at any time. In the event of material changes, we will notify Users through appropriate channels. Your continued use of the Services or the Platform following the effective date of any changes constitutes acceptance of the updated Terms.