Last Updated: August 8th, 2025

 Welcome to Tern Rewards!

 1.     Overview

 These Terms of Use (“Terms”), together with the documents and policies incorporated and referenced in these Terms, including the Privacy Policy, shall constitute an agreement (“Agreement”) between You (“You”, “Your”, “Yourself”), and Tern along with its affiliates, successors, and assigns (“Tern”, “We”, “Us”, or “Our”).

 By visiting Our Website (“Site”), and our mobile application (“App”) or any application or technology We make available (collectively referred to as the “Platform”), using any Service offered on the Platform, or otherwise accessing Our Platform, You indicate that You accept these Terms and that You agree to abide by them. If You do not agree to these Terms, please do not access Our Platform. You should read this Agreement carefully before starting to use the Platform.

 We reserve the right to update, change or replace any part of the Terms by posting updates and/or changes to the Platform. It is Your responsibility to check the Terms periodically for changes. By continuing to access or use the Platform after any modifications have been posted, You agree to be bound by the revised Terms. If You do not agree to the new terms, please discontinue Your use of the Platform.

 By agreeing to the Terms, You agree to resolve all disputes through binding individual arbitration, which means that You waive any right to have those disputes decided by a judge, and that You waive Your right to participate in class actions, class arbitrations, or representative actions.

 When You agree to these Terms and accept this Agreement, You do so on behalf of Yourself and any person that You entitle or authorize to use Your Tern’s account to the extent provided in these Terms. You are responsible for obtaining all consents and authorizations needed to accept this Agreement for others.

 2.     Definitions

 Service(s): means any feature, functionality, benefit, transaction, tool, or program made available to Users through the Platform, including but not limited to rent payment facilitation, rewards program, user account management, identity verification, and customer support services.

 Tenant(s): refers to any individual or party who is legally occupying a residential or commercial property under the terms of a valid Tenancy Agreement and who uses the Platform to make rental payments or access related services.

 Tenancy Agreement: means a valid and legally binding agreement between a landlord and a Tenant that governs the terms and conditions of the Tenant’s occupation of a property, including but not limited to the rental amount, payment terms, duration, and obligations of both parties.

 User(s): refers to any individual that accesses, registers for, or uses the Platform.

 Visitor(s): means an internet user who visits the Platform.

 3.     Using the Platform on Behalf of Another

 If You use the Platform on behalf of another natural person (“Individual”), You represent and warrant that You: (1) are duly authorized and empowered by and for that Individual to agree to these Terms and accept this Agreement on behalf of the Individual; and (2) do accept this Agreement on behalf of the Individual; unless the Individual has a separate paid contract with Tern, in which event the terms of that separate paid contract will control. You also represent and warrant that You are duly authorized and empowered to use the Platform on behalf of the Individual.

 4.     The Platform Description

 The Platform operates under the legal entity ‘TERN APP TECHNOLOGIES CO. L.L.C’, serving as a digital Platform that transforms rent payments by enabling tenants to pay seamlessly with their credit cards while earning double the rewards. By combining financial flexibility with innovative technology, Tern reimagines the tenant-landlord relationship, delivering a smarter, smoother, and more rewarding rental experience.

 By creating an account and subscribing to the Platform (“Subscription”), You are a User requesting Services from Us.

 5.     What You Represent

 You represent and agree to the following:

• Representations and Warranties: You hereby represent and warrant that: (a) You are resident of the United Arab Emirates (“U.A.E”); (b) You are at least eighteen (18) years old; (c) You have an active Tenancy Agreement; (d) You possess a valid UAE ID; (e) You have not been previously suspended or removed from the Platform; and (c) You will provide any requested documentation, including documentation necessary to verify Your identity and payment information.

• Age Restriction: You understand and acknowledge that the use of the Platform by individuals under the age of eighteen (18) is prohibited without parental supervision.

• Truthful Representation: You agree to provide accurate, truthful, and current information to the best of Your knowledge. You further represent that You have the necessary rights, authority, and power to agree to these Terms and perform the obligations required by this Agreement.

• Account Use: Tern is intended for personal, non-commercial use only. Business accounts or any commercial use of the program, including but not limited to using the Platform for rent collection or rewards management on behalf of third parties or organizations, is strictly prohibited.

 6.     Use of the Platform

 By visiting the Platform and/or using any Services through the Platform, You agree that:

(a) You will not use Our Platform for any illegal or unauthorized purpose nor may You, in the use of the Platform, violate any laws in Your jurisdiction (including but not limited to copyright laws).

 (b) You will not transmit any worms or viruses or any code of a destructive nature to the Platform.

 (c) You will not reproduce, duplicate, copy, sell, resell, or exploit any portion, use, or access to the Platform or any contact on the Platform, without Our prior written permission.

 (d) Users will provide Us with, including but not limited to, the following:

  i. Identity Data: includes name, nickname, age, gender, nationality, marital status, language, education and job;

  ii. Contact Data: includes country of residence, address, email address and telephone numbers;

  iii. Financial Data: includes bank account and payment card details;

  iv. Transaction Data: includes details of Services you have purchased from us;

  v. Rent Data: includes the information related to your rent of the Tenancy Agreement, including without limitation, the lease ID, rent amount, and due dates for the payments;

  vi. Technical Data: includes internet protocol (“IP”) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and Site, and other technology on the devices you use to access the Site;

  vii. Account Registration Data: includes certain information in connection with the account registration process such as whether You registered using any third-party services and whether You verified Your email address or phone number;

  viii. Usage Data: includes information about how You use Our Site;

  ix. Login Data: includes information regarding logins and activity conducted during that log in such as when You log in, the number of messages received or sent through the Site during that log in, and whether You have been assigned, started or completed a counseling goal. This does not include the content of any messages sent or received by You or the content of any counseling goals;

  x. Marketing and Communications Data: includes Your preferences in receiving marketing from Us and Our third parties and Your communication preferences (“Personal Data”).

 (e) Users also agree that We may use some information to contact them in the context of their request if necessary (in accordance with Our Privacy Policy). If Users do not provide Us with all the required information, they cannot be provided by any of the Services.

 (f) Users should create a profile for themselves (“User Profile”). In order to create Your Profile, Tern may ask You to provide the following details: (i) First name; (ii) Last Name; (iii) Email; (iv) Password; (v) Profile Picture; (vi) Emirates ID; (vii) Phone number; and (vii) Aaddress details

 7.     Account Creation and Login Credentials

• Application Process.

To become a member of the Tern Platform, You must complete the online registration form on the Tern Website or App and agree to these Terms. As part of the application process, You are required to upload an active Tenancy Agreement to verify Your eligibility.

• Verification of Information.

Tern reserves the right to verify the accuracy and completeness of the information provided during the registration process. Providing inaccurate or incomplete information may result in suspension or termination of Your account without prior notice.

• User Account Creation and Login Credentials.

 Upon successful registration, You will create a User Account by providing accurate personal information, including but not limited to Your personal data and user profile details. You agree to keep this information current and accurate throughout your membership.

 You are solely responsible for maintaining the confidentiality of your login credentials (“User Login Credentials”) and agree not to disclose them to unauthorized individuals. You accept full responsibility for all activities conducted under Your User Account, whether authorized by You or not.

 If You allow any person to access Your User Account, whether intentionally or unintentionally, You authorize that person to use the account and accept liability for all resulting transactions and activities, including unauthorized or fraudulent use.

• Lost, Stolen, or Compromised Credential and Reporting Unauthorized Activity.

 You must immediately notify Tern customer support at support@ternrewards.com if You suspect that Your User Account or Login Credentials have been lost, stolen, compromised, or accessed without Your authorization. Prompt notification is essential to limit Your liability for unauthorized transactions or activities.

 In addition, You should report any unauthorized transactions, discrepancies, or suspicious activity related to Your User Account as soon as You become aware of them.

 To the extent permitted by law, You accept responsibility for all transactions initiated through Your account unless You have timely notified Tern and We have had a reasonable opportunity to act on such notice. Upon receiving your notification, Tern may, at its sole discretion, attempt to reverse or recover any unauthorized or erroneous transactions; however, Tern assumes no liability for such transactions or any recovery efforts.

• Account Information Maintenance.

 Users are responsible for keeping their account information accurate and up to date. Tern shall not be liable for any issues or losses arising from outdated or incorrect account information.

• Account Suspension and Termination.

 Tern reserves the right to suspend or terminate any User Account or without prior notice for violations of these Terms, suspected fraud, misuse of the Platform, or any other reason deemed appropriate by Tern.

 8.     Prohibited Uses

 We want to make sure that You use the Platform responsibly and follow the rules. Therefore, You are not allowed to use the Platform:

(a) For any illegal or unlawful purposes.

 (b) To encourage others to participate in any unlawful activities.

 (c) To violate any applicable laws or regulations.

 (d) To steal or use the intellectual property rights content or trademarks of others, without permission.

 (e) To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate against anyone on the basis of gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability.

 (f) To give inaccurate information or otherwise submit false or misleading information.

 (g) To upload or transmit viruses or other malicious code that could affect the Platform or the internet.

 (h) To collect or track other Users' personal information without their consent.

 (i) To engage in spamming, phishing, or any other fraudulent activities.

 (j) To use the Platform for any obscene or immoral purposes.

 (k) To attempt to interfere with or circumvent the security features of the Platform or other websites.

 (l) To impersonate any person or entity or falsely state or otherwise misrepresent Your affiliation with a person or entity.

 (m) To invade another person’s privacy in any way, including posting another person’s personal details without their prior permission.

 (n) To use the Website for sales and marketing purposes.

 (o) To manipulate identifiers in order to disguise the origin of any User Content submitted.

 (p) To act in a manner that affects other Users’ ability to engage in real time exchanges.

9.     Accuracy, Completeness, and Timeliness of Information

 We are not responsible if any information made available on the Platform is not accurate, complete, or current. The material on the Platform is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information. Any reliance on the material on the Platform is at Your own risk.

The Platform may contain certain historical information. Historical information, necessarily, is not current and is provided for Your reference only. We reserve the right to modify the contents of the Platform at any time, but We have no obligation to update any information on the Platform. You agree that it is Your responsibility to monitor changes to the Platform.

We reserve the right but are not obligated to, limit the access of the Services to any person, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis. All descriptions of the Services, including pricing are subject to change at any time without notice, at Our sole discretion. We reserve the right to discontinue any Service at any time. Any Service made on the Platform is void where prohibited. We do not warrant that the quality of any Services purchased or obtained by You will meet Your expectations.

10.  Rewards Program

• Eligible Transactions. Users may earn points on qualifying transactions, including but not limited to rent payments, retail purchases, dining, travel, and other categories as determined by Tern from time to time.

• Points Accrual Rates. The rate at which points are earned may vary depending on the transaction type and participating merchants. Tern reserves the right to amend earning rates at its sole discretion and without prior notice.

• Exclusions. Certain transactions, such as cash advances, fees, or any non-qualifying purchases, may be excluded from earning points. Tern will determine the eligibility of transactions at its discretion.

• Termination of Participation Tern reserves the right to suspend or terminate a User’s participation in the Rewards Program at any time, without prior notice, in the event of a breach of these Terms and Conditions, suspected fraud, misuse of the program, or for any other reason deemed necessary by Tern in its sole discretion.

  
  

11.  Redeeming Points

• Redemption Options. Accumulated points may be redeemed for a range of rewards, including but not limited to travel, merchandise, gift cards, or statement credits. The availability of rewards may vary and is subject to change at Tern’s discretion.

• Redemption Process. Points can only be redeemed through the official Tern Website or mobile App. All redemptions are subject to availability and may require Users to accept additional terms and conditions.

• Minimum Redemption Thresholds. Some rewards may require a minimum number of points to be eligible for redemption. Minimum thresholds and applicable terms will be disclosed on the Tern Platform.

• Expiration of Points. Points may expire if not redeemed within a specified period. Users will be notified of expiration timelines via their account or other communication channels provided by Tern.

12.  Payment and Billing Information

Payment

• Access to the Platform or certain features thereof may require payment of fees (“Subscription Fees”), which may include transaction fees, payment processing fees, and fees for special services. By using the Services, You agree to pay all applicable Subscription Fees when due. All payments must be made exclusively through the Platform.

• You will have the opportunity to review and accept any Subscription Fees before being charged. Subscription Fees may change periodically and will be updated on the Platform accordingly. Tern may offer temporary promotions or introduce new Services with adjusted fees; such changes will become effective upon posting on the Platform or notifying Users.

• You authorize Tern to charge Your credit or debit card (as updated by You) automatically in AED or any other applicable currency.

 Payment Gateway.

• You agree and guarantee that: (a) You will not use the Payment Gateway for money laundering, and You will report any suspicious activity or parties knowingly engaged in money laundering; (b) Your use complies with all laws and regulations in Your jurisdiction; (c) all usage is in compliance with the Payment Gateway’s terms and policies; and (d) Tern will ask You to provide the following payment details: Your card number, Your CVV and the expiration date of Your card upon checkout.

 Use of Credit/Debit Card.

• To minimize the risk of unauthorized access, Your credit/debit card details will be encrypted by a UAE Central Bank regulated Payment Service Provider. Once We receive Your request, We may request a pre-authorization on Your card to ensure that there are sufficient funds to complete the transaction. Credit/Debit cards are subject to verification and authorization by the card issuing entity. If the entity does not authorize the payment, We shall not be liable for any delay or failure to deliver the Service and We will be unable to conclude any contract with You. All UAE issued Visa or MasterCard debit and credit cards will be accepted for payment in Your chosen currency.

 Updating Your Account.

• You agree to provide current, complete, and accurate purchase and account information for all purchases made on Our Platform. You agree to promptly update Your account and other information so that We can complete Your transactions and contact You as needed. 

Restrictions on Use.

• We reserve the right to refuse, limit, or cancel any Service request You place with Us at Our sole discretion, including those made under the same account, credit card, email address, or mobile number. Such refusals or cancellations may occur before the Service is fulfilled and may be made without refund. In the event We change or cancel any Service, We will attempt to notify You using the contact information You provided at the time of the request.

 Fees and Charges.

 Transaction Fees: Earning and redeeming reward points on the Tern Platform and using credit cards and other forms of payment for Rent on the Tern Platform is generally free of charge. However, certain special redemption options or services may require a fee. If any fees apply, we will clearly inform You before You complete the transaction.

  Late Payment Fees: If applicable, late payment fees related to rent or other services will be disclosed and must be paid according to the Landlord terms and the Tenancy Agreement.

 Program Fees: Any membership or account maintenance fees will be clearly communicated.

13.  Refunds and Defective Products

 All redemptions, sales, and rent payments are final once processed. However, if a product provided by Tern is defective, please contact support@ternrewards.com within forty-eight (48) hours of receipt (or longer if required by law). Upon verification, We will either replace the defective product or issue a full refund.

14.  Correct Errors

 We understand that mistakes happen, and We want to make sure that You have the ability to correct any errors that may occur while entering Your Personal Data. If You do make an error, please don't hesitate to contact Our customer service team through support@ternrewards.com or directly through Our Platform, and We will be happy to help You correct it.

In case You are subscribing to Our Platform and You detect an error in Your request after the completion of the Subscription payment process, You should immediately contact Us via email at support@ternrewards.com to correct the error.

15.  Third-Party Links

 Certain content and services available via Our Platform may include materials and content from third parties.

 Third-party links or content videos on the Platform may direct You to third-party websites that are not affiliated with Us. We are not responsible for examining or evaluating the content or accuracy and We do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third parties.

 We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure You understand them before You engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products, content, practices, should be directed to the third-party.

16.  Intellectual Property

 This Platform contains material, and content which is owned by or licensed to Tern. This material and content include, but is not limited to Platform materials, design, logos, layout, look, appearance, videos, information, learning content, learning boards vision boards, HR tools, surveys, and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these Terms. The Platform may be used only by You, and You may not rent, lease, lend, sub-license, or transfer the Platform or any data residing on it or any of Your rights under these Terms to anyone else.

 You may not develop or derive for commercial sale any data in machine-readable or other form that incorporates or uses any substantial part of the Platform. You may not transfer to or store any data residing or exchanged over the Platform to any electronic network for use by more than one User unless You obtain prior written permission from Tern. Except as otherwise expressly provided, You shall not sell, modify, reproduce, copy, display, perform, distribute, transfer, use, publish, license, or create derivative works from any content contained in the Platform. The use of the Platform’s content on any other Platform or in a networked computer environment for any purpose is prohibited. You shall not copy or adapt the coding that Tern creates to generate its pages. You shall not upload, post, or otherwise make available on the Platform any material protected by copyright, trademark, or other proprietary right without the express permission of the owner of the copyright, trademark, or other proprietary right. Tern does not have any express burden or responsibility to provide You with indications, markings, or anything else that may aid You in determining whether the material in question is copyrighted or trademarked. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, proprietary rights, or any other harm resulting from such a submission.

 Subject to any third-party rights in any preexisting content included within Your User Content, You retain ownership of any rights You may have in Your User Content, and submitting Your User Content to the Platform does not transfer ownership of Your rights. You hereby grant Tern an unrestricted, assignable, sub-licensable, royalty-free license throughout the universe to reproduce, distribute, publicly display, communicate to the public, publicly perform (including by means of digital audio transmissions and on a through-to-the-audience basis), make available, create derivative works from, retransmit from external sites, and otherwise exploit and use all or any part of all User Content (“User Content”) You post to or through the Platform by any means and through any media and formats now known or hereafter developed, for the purposes of (i) advertising, marketing, and promoting Tern and the Platform; (ii) displaying and sharing Your User Content to other Users of the Platform; and (iii) providing the Service as authorized by these Terms.

 You acknowledge that We may not always identify paid services, sponsored content, or commercial communications as such. You further grant Tern a royalty-free license to use Your User’s name, image, voice, and likeness to identify You as the source of any of Your User Content. You must not post any User Content on or through the Platform or transmit to Tern any User Content that You consider to be confidential or proprietary. Any User Content posted by You to or through the Platform or transmitted to Tern will be considered non-confidential and non-proprietary, and treated as such by Tern, and may be used by Tern in accordance with this Agreement without notice to You and without any liability to Tern. The foregoing provisions apply equally to and are for the benefit of Tern, its subsidiaries, affiliates, and its third-party content providers and licensors and each shall have the right to assert and enforce such provisions directly or on its own behalf.

17.  Warranty Disclaimer for the Platform

 Your access to the Platform and/or Your use of any of its Services is at Your sole risk.

 You acknowledge that We may use third-party suppliers for hardware, software, connectivity, and all business requirements to get You the Services. The acts and omissions of those third-party suppliers may be outside of Our control and You can’t hold Us liable for any loss or damage suffered as a result of any act or omission of any third party.

 We do not warrant that: (i) the Platform will meet Your specific requirements; (ii) Our access to the Platform or any of its Services will be uninterrupted, timely, secure, or error-free; (iii) the Platform will be accurate or reliable; (iv) the quality of any Services, information, or other material purchased or obtained by You through the Platform will meet Your expectations; or (v) any errors in the Platform will be corrected.

 The information presented or contained in Tern or provided through the Platform (“Materials”) is presented for the purpose of providing Services.

 The Materials and other information contained in the Platform are compiled from a variety of sources.

18.  Limitation of Liability

 You waive and shall not assert any claims or allegations of any nature whatsoever against Tern, its parent, affiliates or subsidiaries, their sponsors, suppliers, contractors, advertisers or other partners, licensors, any of their successors or assigns, or any of their respective officers, directors, agents, employees or interns arising out of or in any way relating to Your access or use of the Platform, including, without limitation, any claims or allegations related to infringement of proprietary rights, or allegations that any of the mentioned above parties (“Related Parties”) has or should indemnify, defend or hold harmless You or any third party from any claim or allegation arising from Your use or other exploitation of any third party products or the Platform. Without limiting the foregoing, neither Tern nor any other Related Parties shall be liable for any direct, special, indirect, or consequential damages, or any other damages of any kind, including but not limited to loss of use, loss of property, or otherwise, arising out of or in any way connected to the access to the Platform and the use of or inability to use any or all of the Services, including without limitation any damages caused by or resulting from Your reliance on the Platform or other information obtained from or accessible via Tern or any other Related Parties, or that result from mistakes, errors, omissions, interruptions, deletion of files or data or email, defects, viruses, delays in operation or transmission or any failure of performance, whether or not resulting from acts of God, force majeure, communications failure, theft, destruction or unauthorized access to Our or any other Related Parties’ records, programs or services.

 MOREOVER, TERN SHALL NOT BE HELD LIABLE FOR USER/AND OR OTHER INFORMATION DETAILS THAT ARE PROVIDED OUTSIDE THE SCOPE OF THE PLATFORM INCLUDING, BUT NOT LIMITED TO, THE TERN WEBSITE AND DIFFERENT CHANNELS OF COMMUNICATION LIKE PHONE AND EMAIL CONVERSATIONS OR EVEN PHYSICAL/LIVE COMMUNICATION. TERN SHALL NOT BE HELD LIABLE FOR ANY BAD BEHAVIORS OF A USER DURING THEIR USE OF THE PLATFORM.

19.  Community Guidelines

 You are responsible for Your communications and Your use of the Platform. You may not, under any circumstances, do any of the following: (a) use simultaneous, unattended or continuous connections to Tern with one account; (b) post or transmit any message which is libelous or defamatory; (c) post or transmit any message, data, image or program which is indecent, obscene or pornographic; (d) post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion; (e) use the Platform to threaten, harass, stalk, abuse, or otherwise violate the legal rights (including rights of privacy and publicity) of others; (f) intercept or attempt to intercept email or other private communications not intended for You; (g) send email to other Users for any purpose including personal communication, or to advertise or offer to sell unsolicited goods or services to other Users, use as a mass unsolicited distribution medium to communicate a generally unsolicited message, or use Your email account as an address to which Users need to respond (except as otherwise expressly permitted by Tern); (h) send unsolicited email messages through third-party mail servers in order to relay Your email or hide the origination of Your email to others; (i) upload or download files that contain software or other material protected by intellectual property laws, rights of privacy or publicity, or any other applicable law unless You own or control the rights to such files or have received all necessary consents; (j) delete any author attributions, legal notices or proprietary designations or labels in a file that You upload to Tern; (k) falsify the source or origin of software or other material contained in a file that You upload to Tern; (l) use Tern in a manner that adversely affects the availability of its resources to other Users; (m) falsely purport to be an employee or agent of Tern; (n) cause repeated disruptive incidents; (o) act, or fail to act, in Your use of Tern, in a manner that is contrary to applicable law or regulation; or (p) engage in any other activity deemed by Tern to be in conflict with the spirit or intent of this Agreement. In addition, You may not post or transmit any message which is harmful, threatening, abusive, or hateful. It is not the intent of Tern to discourage Users from taking controversial positions or expressing vigorously what may be unpopular views in Tern. Nonetheless, Tern reserves the right to take such action as it deems appropriate in cases where We are used to disseminate statements that are deeply and widely offensive and/or harmful. Each time You upload a file on Tern, You represent and warrant that You own or otherwise control the rights or have the necessary consents to do so. Your failure to observe any of the foregoing limitations or obligations may result in civil or criminal liability.

20.  Indemnification

 You agree to indemnify, defend, and hold harmless Tern and its Related Parties harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of Your breach of the Terms or the documents they incorporate by reference, or Your violation of any law or the rights of a third party.

YOU HEREBY RELEASE US AND AGREE TO HOLD TERN HARMLESS FROM ANY AND ALL CAUSES OF ACTION AND CLAIMS OF ANY NATURE RESULTING FROM THE USE OF THE PLATFORM, INCLUDING (WITHOUT LIMITATION) ANY ACT, OMISSION, OPINION, RESPONSE, ADVICE, SUGGESTION, INFORMATION, AND/OR SERVICE OF ANY USER AND/OR ANY OTHER CONTENT OR INFORMATION ACCESSIBLE THROUGH THE PLATFORM. YOU UNDERSTAND, AGREE, AND ACKNOWLEDGE THAT THE PLATFORM IS PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, NON-INFRINGEMENT, SECURITY, FITNESS FOR A PARTICULAR PURPOSE, OR ACCURACY. THE USE OF THE PLATFORM IS AT YOUR OWN RISK. TO THE FULLEST EXTENT OF THE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED OR IMPLIED. YOU UNDERSTAND, AGREE, AND ACKNOWLEDGE THAT WE SHALL NOT BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES.

21.  Severability

 In the event that any provision of the Terms is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from the Terms, such determination shall not affect the validity and enforceability of any other remaining provisions.

 The headings used in the Agreement are included for convenience only and will not limit or otherwise affect the Terms.

22.  Termination

 These Terms, as amended, will be effective commencing with Your first use, of the Platform and will remain in full force and effect throughout Your use of the Platform and/or its Services.

 Notwithstanding any of these Terms, Tern reserves the right, without notice and in its sole discretion, to terminate Your usage of the Platform, and to block or prevent Your access to and use of the Platform. Tern reserves the right to refuse service to anyone for any reason at any time. In the event of termination of access to the Platform for any reason, You have no right to obtain a copy of any data or communications You stored or effected via the Platform or any other data. You are free to terminate Your use of the Platform at any time.  You can simply choose to stop visiting or using any aspect of the Platform. 

 Additionally, You understand and acknowledge that administrators associated with the Customer may have access to Your User Account and may suspend, modify, or terminate Your User Account and/or Your access to the Tern materials at any time and for any reason.

23.  Force Majeure

Tern will not be held liable for any delay or failure to perform any obligation related to the Platform if the delay or failure is due to unforeseen events that are beyond Our reasonable control, including, without limitation, acts of God, strikes, blockade, war, terrorism, riots, natural disasters, epidemic, pandemic, or governmental action, and other industrial disputes, breakdown of information communication technology systems or network access, flood, fire, explosion or accident.

24.  Entire Agreement

 The failure of Us to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision.

The Terms and any policies or operating rules posted by Us on the Platform or in respect to the Services, constitute the entire agreement and understanding between You and Us and govern Your access and use of the Platform, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between You and Us (including, but not limited to, any prior versions of the Terms).

 Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.

25.  Terms Modification

 We reserve the right to review and modify the Terms at any time. You are subject to the Terms in effect at the moment in which You access the Platform or use any of its Services, except when by law or decision of governmental entities We must make changes retroactively to said policies, Terms, or Privacy Policy. In this case, the possible changes will also affect requests made previously by You.

26.  Governing Law and Jurisdiction

• Governing Law. This Agreement shall be governed by, and all disputes arising under or in connection with this Agreement shall be resolved in accordance with the federal laws of the United Arab Emirates.

• Dispute Resolution. Any disputes arising from or related to these Terms shall be resolved through binding arbitration in accordance with UAE arbitration laws.

27.  Contact Information.

 Your comments and suggestions related to this Agreement or to any of Our Platforms are always welcome. You may contact Us through the following email: support@ternrewards.com