1. IN RESPECT OF THESE TERMS OF USE

Please allocate an appropriate amount of time to ensure that you have thoroughly reviewed these terms of use. You verify that you have read, understood, consented to, and accepted these Terms of Use by registering for or using any aspect of the website.

You will be bound by the terms of the Pratico Speed service by utilizing it. These Terms of Use encompass an end-user licensing agreement and an electronic financial service. You are precluded from accessing or utilizing any aspect of the Service if you do not consent to these Terms of Use. You, the individual user ("You" or "Your"), are the subject of a legally binding agreement between Pratico Speed Technologies and these Terms of Use.

The date of publication is the effective date of these Terms of Use, and any modifications or updates are applicable.

2. DEFINITIONS AND EXPLANATIONS

Unless otherwise specified, the definition of "writing" in these Terms of Use does not include email. Additionally, the meaning of the subsequent words is illustrated by the phrases that precede them, such as "include," "in particular," "for example," and other comparable expressions, rather than being restricted. The English language is used to compose these Terms of Use. The original English content will prevail in the event that these Terms of Use are translated into a different language. In the event of a dispute, the local terms, if applicable; the specific terms, if applicable; and the residual portions of these Terms of Use will take precedence.

3. YOUR COMMITMENTS AND GUARANTIES

You hereby affirm your assent and consent to the following by signing this document:
3.1 You possess the legal capacity to ratify, approve, and comply with these Terms of Use.
3.2 You hereby acknowledge and assent to the stringent adherence to these Terms of Use and all pertinent laws. Additionally, you acknowledge that you are accountable for notifying us in the event that you violate any of the aforementioned regulations.
3.3 You are obligated to use the System and the Service exclusively for legitimate purposes and in accordance with their intended purposes.
3.4 You are responsible for ensuring that all personal information, documents, and credentials you provide to us or through the system are accurate, current, comprehensive, and free of fraud.
3.5 Only accounts and internet access points that have been granted permission to be used are permitted.
3.6 It is essential that you refrain from engaging in any deceptive, dishonest, or misleading behavior.
3.7 You are prohibited from disrupting or endangering the network that the System is connected to and operates on.

4. I AGREE TO THESE TERMS OF SERVICE

4.1 Before establishing an account with Us, downloading, or streaming, you acknowledge and consent to the comprehensive reading and comprehension of these Terms of Use, which are updated on a regular basis by Us. These terms will govern the functionality of the application and account.
4.2 By selecting the "Accept" icon on Our System, you will be considered to have accepted these Terms of Use and agreed to comply with them upon the completion of the application download.
4.3 By installing the application and establishing an account, you consent to the Terms of Use, which regulate the account's functionality. Additionally, you confirm that this agreement does not impact any other legal or equitable rights we may have in relation to the subject account.
4.4 The terms and conditions of these modifications are agreed to by your continued use of the service. We reserve the right to amend or alter these terms at any time. We will inform you of any modifications to the terms through the APP. 4.5 The Website may occasionally enhance the App. Until you have downloaded or streamed the most recent version of the application and have consented to any supplementary terms and conditions listed in these Terms of Use, your access to the Service may be restricted, subject to the update.
4.6 You are granting your consent to the collection and use of technical data related to the mobile device, as well as related software, hardware, and accessories for internet-based or wireless services, in order to enhance our offerings and provide you with services. This authorization is granted through the application or any of the services. We, our affiliates, and licensees are granted the right to convey, collect, preserve, process, and use your data in order to enhance our service, your experience with the app, and/or our credit scoring services.
4.7 You grant us permission to evaluate and evaluate your credit report by utilizing the App and Service. Furthermore, you acknowledge that we are authorized to disclose your credit information to the Credit Reference Bureau, which may include both positive and negative information.
4.8 You grant us irrevocable permission to contact you and your emergency contact to verify your details in the event that we are unable to contact you through other means or if we have not received your payment related to the Loan described in Clause 11, provided that you and your emergency contact have consented.

5. THE MANNER IN WHICH YOU UTILIZE THE SERVICE

5.1 Our service is exclusively accessible to individuals who are eighteen years of age or older. In order to confirm the current status and validity of your Mobile Money account, we reserve the right to contact the appropriate mobile money provider.
The application for your account will be displayed in the application. You acknowledge and agree that the approval of your account application by us does not establish a contractual relationship between you and the Mobile Money Providers, with the exception of the terms and conditions that may occasionally apply to Your Mobile Money Account.
5.3 We reserve the right to reject or withdraw Your loan application without providing a reason or prior notice, at Our sole and absolute discretion.
5.4 We reserve the right to approve, decline, or modify the terms of any loan in accordance with our ongoing assessment of your credit profile. The application will display the complete interest amount and loan terms for each loan application.

6. YOUR METHODS FOR APPLYING THE SYSTEM

All rights are reserved and granted.
6.1 You are granted a non-transferable, limited, revocable, and royalty-free license to access and use the System exclusively for the purpose of receiving the service that We offer, provided that you comply with these Terms of Use, the Territory, and our licensors (if any).
6.2 We and our licensors, if any, reserve all rights that are not expressly granted to you under these Terms of Use. These Terms of Use do not grant you any ownership rights to the System, regardless of whether they are complete or partial.

Violation of the law:
6.3 You are prohibited from:
6.3.1 To guarantee that the System is accessible to an additional individual, or to distribute, assign, sublicense, sell, resell, transfer, or execute any other action for commercial purposes;
6.3.2 Access or reverse engineer the fundamental software for any purpose, or modify or create works derived from the System.
6.3.3.3 Make an attempt to access the System or related systems or networks without authorization; copy any concepts, features, functions, or graphics from the System; use the System to develop a competing product or service; create a product using concepts, features, functions, or graphics from the System; or initiate an automated program or script that could generate multiple server requests per second or that unduly burdens or impairs the functionality and/or performance of the System.
6.3.4 Execute any procedure or program to achieve replication or a solution for the System's navigational structure, presentation, or content. Furthermore, it may be implemented to index, "data mine," or acquire.
6.3.5 Post, distribute, or reproduce any copyrighted content, trademarks, or other proprietary information without the owner's prior permission, or remove any copyright, trademark, or other proprietary rights notices from the System.
6.3.6 The transmission or storage of any content for fraudulent or illicit purposes;
6.3.7 transmit spam or unsolicited emails, or in any other manner cause distress, inconvenience, or fraudulent reservations;
6.3.8 retain or distribute content that is unlawful, tortious, or infringes upon intellectual property rights;
6.3.9 Disseminate content that contains harmful programs, scripts, files, or code, such as software viruses, worms, and trojan horses.
6.3.10 The System or its data is compromised or tampered with.
6.3.11 To establish an affiliation with an individual or organization, employ false statements;
6.3.12 willfully misrepresent your stance; or
Misrepresents any substantive information about you that could potentially impact our future business interactions.
6.3.14 to in any way tarnish the reputation of our company or any of our group organizations;
6.3.15 Make an attempt to decode any transmissions to or from the servers that host any service; in addition, acquire or collect any data or information from our systems or any service.

7. YOUR ACCOUNT

7.1 In order to access the System as a user, you must establish and maintain an account as an App user.
7.2 You are responsible for all activities that take place on your account. I am yours:
7.2.1 A solitary account is sufficient.
7.2.2 You are accountable for safeguarding the privacy and security of the data associated with your account.
7.2.3 It is illegal for you to grant access to your account to another individual or transmit the account itself or any data to another individual.
7.2.4 You are required to promptly notify us if you believe that your account has been accessed or used in an illicit manner.
7.3 We reserve the right to restrict or prevent access to Your Account and/or the functionality provided by the application, in addition to our other rights and remedies:
7.3.1 If we determine that any of these Terms of Use have been violated, we may, at our sole discretion,
7.3.2 during the course of an investigation;
7.3.3 In the event that you are liable for any taxes, transaction fees, interest, or principle that are owed to us or any of our group entities;
7.3.4 In the event that these terms of use are terminated for any reason; or
7.3.5 at any other time, provided that it is consistent with our reasonable assessment.

8. YOUR PERSONAL INFORMATION

You consent to the use and processing of your personal data in accordance with the Privacy Policy, which is updated periodically and can be accessed at this location, by consenting to this agreement.

9. INQUIRIES YOU HAVE SUBMITTED

9.1 You hereby grant us irrevocable permission to act on any Requests that we receive from you or that you may claim to be from you by utilizing the System. Furthermore, you acknowledge and accept responsibility for any such actions.
9.2 We retain the right to reject any request related to your loan application, regardless of whether you have previously obtained a loan from us, at our sole discretion.
9.3 We reserve the right to accept and comply with any Request that is incomplete or ambiguous, irrespective of the cause, if we determine that the information can be resolved without your involvement, at our sole discretion.
9.4 Despite the fact that the Request was sent, initiated, or otherwise conveyed in error or fraudulently, we will be deemed to have acted appropriately and fulfilled all of our obligations to you. As long as you have provided the instructions, you will be held accountable for the request if we have responded in good faith.
9.5 We reserve the right to delay acting on or in compliance with all or any portion of Your Request until you provide us with additional information or confirmation, whether in writing or otherwise, at our sole discretion.
9.6 You authorize Us to fulfill all or a portion of Your Requests. Furthermore, you agree to release and indemnify Us from any claims, losses, damages, costs, and expenses that may result from Our compliance with Your Requests or from our failure to exercise the discretion that has been granted to Us.
9.7 You acknowledge that, to the fullest extent permitted by applicable law, we will not be held liable for any unauthorized drawing, transfer, remittance, disclosure, activity, or incident on Your account that is the result of Your knowledge or manipulation of Your account PIN, password, or ID, regardless of whether it was the result of Your negligence.
9.8 We are authorized to enforce any instructions regarding Your Account that may be required by a court order, competent authority, or agency in accordance with the Applicable Law.
9.9 In the event of a dispute, these Terms of Use will take precedence over any requests that We receive from you.

10. REQUIREMENTS

10.1 You are responsible for the safe and efficient operation of Your Mobile Device at your own expense, as it requires access to the System and the Service.
10.2 It is your responsibility to guarantee that your mobile device functions at its highest capacity. We are not liable for any computer viruses or other issues that may arise from the use of the system, the service, or the mobile device, as well as for any errors or malfunctions that may result from the mobile device's malfunction. We will not be held responsible for any delays or losses that may be caused by any service provider that provides you with network access. You will be responsible for any expenses that may occur.
10.3 The application may be accessed using your mobile device. It is your responsibility to verify that you have downloaded the appropriate application for your mobile device. We are not responsible if your device is incompatible or if you do not have the most recent version of the application for it.
10.4 You are obligated to promptly notify us and comply with the instructions we have provided in the event that your mobile device is lost, stolen, damaged, or no longer in your possession. It is conceivable that the disclosure of Your account information and credentials to another individual, as well as the potential impact on our legal rights and/or remedies, could result if this occurs. In the event that a third party obtains knowledge of your account information and credentials, we shall not be held responsible. You agree to indemnify us and protect us from any potential losses by using your account information and credentials.
10.5 You are solely responsible for the selection of an appropriate internet and mobile plan, as well as for the payment of any fees imposed by your mobile service provider, including SMS, internet data, and phone fees. The system may necessitate a substantial amount of data usage, and you will be held entirely accountable for all associated costs and usage. It is your responsibility to be aware of this.
10.6 You are obligated to comply with all policies, regulations, and instructions specified in these Terms of Use and any other document that We provide when using the System and the Service.
10.7 You are obligated to take all requisite precautions to prevent the unauthorized use of the Service and the System. We therefore require that you or an individual acting on your behalf review and verify any correspondence that we send to you. This will ensure that any unauthorized access or use of the system is detected. If the following occurs, you are obligated to notify us immediately:
10.7.1 You have reason to suspect that your credentials have been compromised or are in the possession of an individual who is not authorized to do so.
10.7.2 You have reason to believe that unauthorized use of the Service has occurred, may have occurred, or may have occurred, and that a transaction may have been compromised or submitted fraudulently.
10.7.3 You are obligated to adhere to any security protocols that we may occasionally notify you of, as well as any other protocols that may occasionally be relevant to the Service. You are aware that the confidentiality of your account may be jeopardized if you fail to adhere to the recommended security protocols. Individuals who have been granted authorization by you are the sole users of the service, Requests, and any associated responsibilities. You are responsible for ensuring this.

11. FINANCIAL TERMINOLOGY IS IMPLEMENTED

Interest and transaction fees
11.1 The application will disclose the interest that you are required to pay in conjunction with any loan. We reserve the right to establish and collect Transaction Fees that are associated with your use of the service, as well as to habitually modify or alter those fees while you wait.. The Transaction Fees that are paid for any new service application will be displayed on the App if we decide to begin charging Transaction Fees or, if applicable, modify or revise Our Transaction Fees.
11.2 You acknowledge that you are responsible for the full payment of all amounts due under these Terms of Use, without any setoffs, counterclaims, deductions, or withholdings, unless otherwise required by law. To ensure that we receive the full amount that would have been paid had there been no deduction or withholding required, you are required to promptly provide the relevant additional amounts as soon as any deduction or withholding is required.
11.3 We reserve the right to impose penalty interest on the amount that was lent to you if you fail to make any payments that are due to Us by the due date. This interest will be disclosed in the application.

Taxes
11.4 When determining any payments that you are obligated to make in connection with these Terms of Use and Loan, no taxes that you are responsible for paying are taken into account. You agree to pay us an additional sum that is equivalent to the payment multiplied by the applicable tax rate in the event that taxes are due on the payment. You are obligated to adhere to this condition in addition to making the payment or whenever We issue such a demand, irrespective of the termination of the connection.
11.5 By adopting this agreement, you grant us the authority to withhold funds from your account in the event that we are required to do so by law, in compliance with agreements with tax authorities, or to comply with any applicable order or sanction of a tax authority or to adhere to internal policies.

Disbursements
11.6 You are obligated to pay the principle, interest, transaction fees, and tax that you owe us in relation to these Terms of Use and Loan by utilizing the payment options that are available and displayed on the application, either before or on the periodically designated due date.
11.7 The local currency must be used for all transactions that take place within the territory.

12. THE PERSON'S PERSPECTIVE

12.1 When you: This is the default event.
12.1.1 Failure to pay any amount or installment (including all accrued interest, Transaction Fees, and tax) due for a loan granted under these terms of use for fifteen (15) consecutive days, unless the failure to pay is solely the result of a technical issue or an administrative error; or filing for bankruptcy.
12.2 We may, at any time, without limiting any other right or remedy that may be granted to us under applicable law, following the occurrence of an ongoing event of default:
12.2.1 These terms of use will be terminated in accordance with Clause 13 of this document.
12.2.2 Ensure that the loan, as well as all interest, transactions fees, taxes, and any other outstanding amounts under these Terms of Use, are promptly due and payable.

The penalty interest specified on the application will be imposed as a consequence of your inability to make a payment.

13.CONCLUSION AND DURATION

13.1These terms of use will remain in force until they are completely implemented in accordance with their terms. 13.2 We reserve the right to terminate these Terms of Use and to discontinue the use of the System, the Service, and Your Account in whole or in part:
13.2.1 by giving you notice at any time for any reason;
13.2.2 If you violate any of these Terms of Use, your termination will be immediate and will not effect our other rights and remedies, regardless of whether or not you receive notice.
13.2.3 In the event that your mobile money provider or mobile network operator terminates your account or agreement for any reason;
13.2.4 Your Account may be suspended or terminated for technical issues or safety concerns, when the Service's functionality or contents necessitate regular updating or upgrading, or when Your Account is dormant or inactive.
13.2.5 If we are required to comply with a directive or request issued by a government, court, regulator, or other competent authority, or
13.2.6 In the event that we, at our sole discretion, elect to suspend or terminate the Service for any reason, whether commercial or otherwise.
13.3 In the event that these Terms of Use are terminated or expire, you will be required to: Upon termination, you are obligated to promptly pay us any applicable taxes, principal, interest, and transaction fees—in any case, within three days. I will promptly pay and commit these funds. The application must be promptly and completely removed from your mobile device.
13.4 Nevertheless, the termination will not impact the accumulated rights and obligations of either party.
13.5 The parties will no longer be subject to any rights or obligations under the Terms of Use after their termination, with the exception of the provisions of the relevant clauses and any other clauses that are specifically or naturally maintained. Despite the termination of the Terms of Use, these clauses will remain in effect and will not impact the rights or obligations of either party at the time of termination.

14. INDEMNITY AND LIABILITY ARE NOT INCLUDED

Recipients
14.1 You hereby consent to the defense, indemnification, and holding harmless of us, our licensors, and the affiliates of each of these parties, as well as their respective officers, directors, members, employees, and agents, from all claims, costs, losses, liabilities, and expenses (including legal fees and costs) that arise from or are related to:
14.1.1 Any violation of these terms of use or any relevant legal requirements; and
14.1.2 The fashion in which you employ the system and/or the service, which encompasses:
14.1.2.1 Any claims made by a third party as a result of your use of the System and/or Service;
14.1.2.2 Any loss or damage that arises from your use, abuse, or possession of third-party software, such as operating systems, browser software, and other software packages or programs;
14.1.2.3 any security breach, unauthorized access to Your account, erasure or access to Your data, or damage, theft, or destruction of any of Your mobile devices; and
14.1.2.4 Any loss or damage that we may incur as a consequence of violating these Terms of Use. These may include, but are not limited to, the submission of fraudulent information, the malfunction or unavailability of third-party systems or facilities, and the inability of a third party to complete a transaction.

Release of liability
14.2 We shall not be held responsible for any losses you may suffer if the Service is interrupted or unavailable for any reason beyond Our control, or if any of Your mobile devices fails to function. These include, but are not limited to, the System's error, delay, or non-availability, force majeure, or error, power interruption, unfavorable weather or atmospheric conditions, or failure of any public or private telecommunications system.
14.3 You acknowledge that the application has not been specifically designed to meet your specific requirements. As a result, it is your obligation to verify that the application's features and functionalities as they are described satisfy your needs.
14.4 The application is intended for personal use only. We are not liable for any interruption of business, loss of profit, or opportunity to lose business, and the App is not intended for commercial, business, or resale use. Please be informed of this.
14.5 You acknowledge that We shall not be held liable for any losses or damages that are related to or originate from:
14.5.1 Any issue or defect in the application or any service that occurs as a result of the customization or modification of the application;
14.5.2any error or issue with the application that is the result of your violation of these terms of use;
14.5.3 Your violation of Clause 6;
14.5.4 Your mobile money account is insufficiently funded.
14.5.5 Failure, malfunction, interruption, or unavailability of the system, your mobile device, the network, or a mobile money system; a lawsuit or other encumbrance that impedes payments or transfers; your inability to provide comprehensive or sufficient instructions for payments or transfers related to your account.
14.5.6 any unauthorized or fraudulent use of the service, your mobile device, or the system; or
14.5.7 Your failure to comply with these terms of use, as well as any guidelines or instructions that we may have provided to you regarding the use of the system and the service.
14.6 We shall not be held liable for any indirect or consequential loss or damage of any kind, regardless of the cause, even if we are aware of the possibility of such loss or damage.
14.7 Our maximum liability in relation to the App, the System, the Service, or these terms of use shall not exceed the transaction fees you pay to us in connection with the first event giving rise to a claim under these terms of use, unless otherwise specified in these terms of use, to the extent permitted by applicable law and unless otherwise stated in these terms of use. 14.8 You are obligated to inform us of any claims you may have against us in relation to the App, the System, the Service, or these Terms of Use within six (6) months of the events that gave rise to such claims, unless otherwise specified in these Terms of Use. Failure to comply with this claim will result in the forfeiture of all rights and remedies to the utmost extent permitted by law.
14.9 We explicitly disclaim all liability for:
14.9.1Other communications infrastructure issues that are beyond our control and may impact the timeliness or veracity of the content you access through the application or the communications you transmit;
14.9.2any delays or losses in the delivery of communications or content that you access as a result of the use of a mobile network service provider, an Internet access service provider, or a browser or other third-party software that is beyond our control.
14.9.3Viruses that may be transmitted to your mobile device or other property through the application or service or by accessing any content contained within the app or service;
14.9.4 the unauthorized use or interception of any data or communication before it reaches the application or our servers from the application;
14.9.5 In the utmost extent permitted by applicable law, any unauthorized use or access to the data we hold about you or your transactions, unless such use or access is the result of our neglect, malfeasance, or violation of the laws protecting your data,.
14.9.6 Any content that has been obtained from external sources.

15. WEBSITES THAT ARE NOT ASSOCIATED WITH THE ORGANIZATION

15.1 The App or the Service may include references and connections to other mobile applications or websites that are operated and maintained by third parties. These hyperlinks are a source of information on subjects that may be of interest to you. Any products, services, data, commodities, ideas, or perspectives that may be located on any third-party website or application to which we provide a link are not endorsed or recommended by us.
15.2 We do not offer any explicit or implied guarantees regarding the accuracy, comprehensiveness, dependability, or appropriateness of the materials on any Third-Party Sites or Applications. We are unable to guarantee that any Third-Party site or application will be free of any copyright, trademark, or other claim of infringement. Furthermore, we are unable to guarantee that third-party websites or applications will be free of viruses or other infections.
15.3 You are aware that third-party websites and applications may have different privacy policies and offer less security than ours. The decision to access or utilize any Third-Party website or application, as well as to purchase or utilize any products or services that are advertised or sold there, is entirely at your discretion.

16. I CONSENT TO RECEIVE COMMERCIAL COMMUNICATIONS DIRECTLY.

By utilizing the services, you have authorized us to send you direct marketing emails. If you would prefer not to receive marketing communications from us, you may indicate your preference in the box located on the relevant message.

17. DISPUTE RESOLUTION

17.1 These Terms of Use will be governed by the statutes of Uganda and are subject to the Data Protection and Privacy Act, 2019, unless the law in Your Territory requires otherwise. This encompasses any and all disputes that may arise in relation to these Terms of Use, including any alleged transgression or challenge to the validity or enforceability of these Terms of Use or any section thereof. In that case, these Terms of Use will be governed by the legislation of Your Territory.
17.2 Unless the parties hereto have otherwise agreed, any query, disagreement, or dispute originating from or related to these Terms of Use shall be referred to a single arbitrator for final resolution, unless otherwise explicitly stated in this document. Alternatively, the Chairman of the Uganda Branch of the Chartered Institute of Arbitrators ("Institute") may grant the request of any party within seven days of the other party notifying the dispute chairman.
17.3 The Ugandan Arbitration and Conciliation Act will regulate the arbitration process in Uganda.
17.4 The arbitrator's decision will be legally binding on the parties to the utmost extent possible.
17.5 Neither party is prohibited from pursuing legal action to obtain preliminary injunctive relief or interim measures from a court of competent jurisdiction prior to the arbitrator's final decision or award.

18. IN SUMMARY

18.1 We shall not be held responsible for any performance failure or delay that is the result of circumstances that are beyond our reasonable control.
18.2 Please refrain from disclosing any sensitive information to any individual related to our operations, affairs, customers, clients, or suppliers, as well as any of our affiliates.
18.3 You acknowledge and agree that we have the right to assign or transfer the creditor's rights of the Loan at our sole discretion, without providing you with prior notice. Your obligations under these Terms will not be impacted by the aforementioned transfer. The payment must be made in accordance with the instructions specified in the application.
18.4We reserve the right to amend these Terms of Use at our sole discretion. However, you acknowledge that it is your responsibility to conduct regular evaluations of the Terms of Use. You will be considered to have consented to the aforementioned modifications by continuing to use the system and service.
18.5 The rights and remedies that are granted to each party under these Terms of Use are cumulative, not exclusive. They may only be explicitly and in writing renounced. The absence of prompt exercise or exercise of any right does not necessarily imply that it has been renounced.
18.6 The parties have reached a mutual understanding and acceptance of the totality of the information contained in these Terms of Use. Any prior agreements or comprehensions regarding this subject matter are rendered null and void. Furthermore, the parties hereby retract any implied statements of fact. The parties have not relied on any statement, representation, guarantee, understanding, undertaking, promise, or assurance of any individual when they enter into these Terms of Use, except as explicitly stated in these Terms of Use or as inferred by applicable law. Each party irrevocably and unequivocally waives all claims, rights, and remedies that it may have had in the past with respect to any of the aforementioned matters. These Terms of Use do not restrict or exclude liability for fraud or any other liability that is subject to applicable law.
18.7 You are prohibited from assigning, sublicensing, transferring, subcontracting, or otherwise disposing of any of Your rights or obligations under these Terms of Use without our prior written agreement. We may at any time assign, sublicense, transfer, sublet, or otherwise manage our rights or responsibilities under these Terms of Use without prior notice or consent, with the exception of situations where Applicable Law requires it.
18.8 If any court or appropriate authority determines that any portion of these Terms of Use is unlawful, void, or unenforceable under applicable law, the remaining portions will remain in full force and effect. To the utmost extent practicable, the relevant section of these Terms of Use will be replaced with a provision that is legal, valid, and enforceable, and is equivalent to the substituted portion.
18.9 These Terms of Use are not applicable to or enforceable by any individual who does not participate in them.
18.10 A notice may be sent to the email address you have specified in your account or by disseminating a general notice on the system or the application. You are required to notify us via email at servico_ug@praticospeed.com.
18.11 Complaints and suggestions regarding the system and service may be submitted to servico_ug@praticospeed.com.

19. DISCIPLINE, INTERACTIONS WITH CONSUMERS, AND LOAN COLLECTION PROCEDURES

It is essential that all employees consistently demonstrate and advocate for professionalism and morality when interacting with consumers, regardless of their debt status.
Loan collectors, recovery agents, and customer service agents are prohibited from degrading, assaulting, denigrating, defaming, or menacing customers and their contacts in order to resolve complaints or collect loans. Employees who engage in any of the aforementioned activities will be held accountable for the consequences of their actions, as they are acting independently.

20. CLIENTS' EXPECTATIONS OF BEHAVIOR

Confidentiality and Security of Data and Privacy
The protection of our clients' data should be our primary concern. We implement electronic, procedural, and physical safeguards to ensure the security of the data we receive from our clients.
We guarantee that we will make every reasonable effort to safeguard the privacy of any information that we acquire or obtain during the provision of our services. This information will not be disclosed, made available to third parties, or used for any purpose other than the development of our service, unless it is publicly available or required by law or our licensing terms.

In order to guarantee that we only communicate with authorized individuals when responding to inquiries, issues, and requests, and to deliver exceptional s ervice to our customers, we have the ability to capture and store personal data.

21. THE PROVISION OF CUSTOMER INFORMATION

To guarantee that all of our clients and agents receive accurate, comprehensive, and current information, we will comply with industry standards by utilizing language that is easy to understand, concise, and user-friendly. We assure consumers that they will receive a prompt response to any inquiries they may have regarding our services. This complimentary resource will encompass the subsequent details:

（1）The organization's website provides access to its current service agreements, which include the fees, terms, and conditions for all public services.

（2）The specifications of services that are subject to the Commission's tariff or pricing regulation must be included on service tariff pages that are accessible. These documents must be accessible through our application.

（3）The terms of service will be readily evident on the website and all other platforms that consumers use to acquire services.

22. RATES AND PRICES

Prior to the execution of a service contract, the follow information will be provided to the consumer:
22.1 the appropriate levies and contributions;
22.2 the substance of the allegations;
22.3 the method employed to determine each element or component of a relevant charge;
22.4 the frequency of the charge or any other factors that affect the charge;
22.5 The specifications of any changes and the method by which the customer will be notified of them via the app in the event that the fees or any of its components fluctuate over time.

23. REFUSE TO ENGAGE IN TELEPHONE SALES

23.1 We will not engage in unsolicited telemarketing unless it is explicitly disclosed. Here are the steps we follow:
23.1.1 At the beginning of the communication, we will clearly state the specific purpose of the exchange.
23.1.2 Identify on whose behalf the communication is made or if it is us.
23.1.3 Provide a detailed description of any service or product involved in the communication.
23.1.4 The recipient has the right to terminate the agreement within seven days of receiving the communication by calling the customer service number, provided that the product or service has not been supplied and used. The licensee must explicitly inform the recipient of this information during the communication.
23.2 We will adhere to the client's "call" or "do-not-call" preferences, as well as any supplementary rules or guidelines that any other appropriate authority may periodically issue, whether at the time of executing a services contract or subsequent to it.
23.3 Ensure that, without referring to the first subsection of this section:
23.3.1 The consumer is not subjected to any unsolicited voice calls or brief message services without their consent.
23.3.2 The consumer must be able to consistently accept or decline unsolicited voice conversations or brief message services.
23.3.3 We have simplified all of these procedures to enable clients to either opt in or out of receiving unsolicited voice calls or brief message services, or to specify the specific type of unsolicited communications or short message services they wish to receive

24.ENGAGING IN TELEPHONE CONVERSATIONS

We ensure that the caller is provided with sufficient information regarding the Licensee's name and/or other distinctive identity in the event that they attempt to conduct an unsolicited transaction.
24.1 the principal objective of the uninvited transaction;
24.2 a comprehensive description of the service or product;
24.3 Any conditions or prerequisites that validate the unsolicited sale.
Customers may anticipate hearing up to three chimes and two (2) attempts per day when they attempt to make a voice call.

25. THE OFFER'S RESTRICTIONS WILL BE SPECIFIED IN THE ADVERTISEMENTS

25.1 to a particular group of individuals;
25.2 to a specific region, territory, or location within the country;
25.3 within a predetermined time frame; or
25.4 As a result of the scarcity of resources, instruments, or other materials.

26. WE ASSURE YOU THAT WE WILL CONSISTENTLY...

26.1 In order to verify the bill, the consumer must have unrestricted access to the bill or other pertinent information.
26.2 It is accountable for the oversight of a client's bill and associated expenses for a minimum of one year (12 months). The term "bill" or "billing" denotes the methods of recording and processing that a Licensee implements within the framework of the responsibilities outlined in this section.

27. THE PROCEDURE FOR SUBMITTING A COMPLAINT

We guarantee that the procedures they have implemented to receive and resolve complaints will not discourage consumers from submitting them. Please utilize the email address servico_ug@praticospeed.com to submit complaints.

28. CUSTOMER'S OBLIGATIONS

If customers submit a signed service agreement or an express affirmation of the service terms in any form, they will be held accountable for our terms of service.
Customers will be deemed to have accepted our terms of service upon commencing use of our services, as we have furnished them with adequate information to verify their consent to our terms.
In the event that consumers default on a loan or other financial asset, they will not be obligated to pay any fees to us or our appointed representatives for providing the names of their spouses, family members, and emergency contacts.