Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using the Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately cease all use of the Service.

You represent and warrant that you are at least eighteen (18) years of age and possess the legal capacity to enter into binding agreements. If you are accessing or using the Service on behalf of a corporation, partnership, limited liability company, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms. In such cases, the terms "Customer," "you," and "your" shall refer to such entity, and the individual accepting these Terms personally guarantees that they have obtained proper authorization from the entity.

We reserve the right to modify, amend, or update these Terms at any time in accordance with Section 17 below. Your continued use of the Service following the posting of revised Terms constitutes your acceptance of and agreement to the modified Terms. It is your responsibility to review these Terms periodically to remain informed of any changes.

2. Description of Services

Varanic provides an institutional-grade counterparty credit monitoring and financial analysis platform delivered as a Software-as-a-Service ("SaaS") solution accessible via standard web browsers. The Service is designed for use by financial institutions, credit professionals, and institutional investors to evaluate and monitor the creditworthiness of counterparties and borrowers.

The Service includes, but is not limited to, the following capabilities:

• Counterparty Credit Monitoring: Continuous monitoring of counterparty financial health, including automated alerts for material changes in credit profiles and risk indicators.
• Financial Statement Analysis and Spreading: Automated and assisted spreading of financial statements into standardized templates for comparative analysis across counterparties and time periods.
• Automated SEC EDGAR Integration: Direct integration with the U.S. Securities and Exchange Commission's EDGAR database for retrieval of public filings including 10-K, 10-Q, 8-K, and other relevant disclosure documents.
• AI-Powered Data Extraction: Machine learning and natural language processing capabilities for automated extraction of financial data, key metrics, and material disclosures from structured and unstructured documents.
• Credit Scoring and Methodology: Proprietary credit scoring models and configurable risk assessment methodologies for quantitative evaluation of counterparty creditworthiness.
• Loan Servicing and Covenant Tracking: Tools for monitoring loan covenants, tracking compliance thresholds, and managing servicing workflows across credit facilities.
• Portfolio Risk Monitoring: Aggregated portfolio views with concentration analysis, sector exposure tracking, and risk-weighted asset calculations.
• Document Generation and Reporting: Automated generation of credit memos, risk reports, board-level summaries, and regulatory compliance documentation.
• Audit Trail and Compliance Tools: Comprehensive logging of all user actions, data modifications, and analytical outputs with tamper-resistant audit trails to support regulatory examination and internal compliance requirements.

The specific features available to you may vary based on your subscription tier as set forth in your applicable order form or subscription agreement. We reserve the right to modify, enhance, or discontinue features of the Service with reasonable notice to affected customers.

3. Account Registration and Security

To access the Service, you must register for an account by providing accurate, current, and complete information as prompted by the registration process. You agree to maintain and promptly update your account information to keep it accurate, current, and complete at all times. Providing false, misleading, or outdated information constitutes a breach of these Terms and may result in immediate termination of your account.

You are solely responsible for maintaining the confidentiality of your account credentials, including your username, password, and any multi-factor authentication tokens. You agree to accept full responsibility for all activities that occur under your account, whether or not authorized by you. You must immediately notify Varanic at [email protected] of any unauthorized use of your account, any breach of security, or any suspected compromise of your credentials.

For organizational accounts, the designated account administrator is responsible for managing user access, assigning appropriate roles and permissions, and ensuring that all users within the organization comply with these Terms. The organization remains liable for the actions of all authorized users operating under its account.

We reserve the right to suspend or disable your account, with or without notice, if we reasonably believe that your account has been compromised, is being used in violation of these Terms, or poses a security risk to the Service or other customers. We will make commercially reasonable efforts to notify you of any such suspension and to work with you to restore access once the security concern has been addressed.

4. Permitted Use and Acceptable Use Policy

The Service is licensed to you solely for your internal business purposes in connection with the evaluation, monitoring, and management of counterparty credit risk. You may not use the Service for any purpose other than those expressly permitted by these Terms and your applicable subscription agreement.

You expressly agree that you shall not:

• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, data structures, or underlying architecture of the Service or any component thereof.
• Use automated tools, bots, scrapers, or similar technologies to access the Service in a manner that exceeds normal human-driven usage patterns, except through APIs that we have explicitly provided and documented for programmatic access.
• Circumvent, disable, or interfere with any security features, access controls, rate limits, or usage restrictions implemented within the Service.
• Share, transfer, or disclose your account credentials to any third party, or allow any unauthorized person to access the Service using your account.
• Upload, transmit, or introduce any malicious code, viruses, worms, Trojan horses, ransomware, or other harmful software to or through the Service.
• Use the Service, or any data, analyses, or outputs derived from the Service, to develop, train, or improve any product or service that competes with the Service or any other offering of Varanic.
• Resell, sublicense, redistribute, or otherwise make the Service or any output thereof available to any third party without our prior written consent.
• Use the Service in any manner that violates applicable federal, state, local, or international laws, rules, or regulations, including but not limited to securities laws, banking regulations, and data protection legislation.

We reserve the right to investigate and take appropriate action against any violation of this Section, including without limitation, suspending or terminating your access to the Service and reporting suspected illegal activity to law enforcement authorities.

5. Intellectual Property

The Service, including but not limited to all software, source code, object code, algorithms, data models, credit scoring methodologies, user interfaces, designs, graphics, trademarks, service marks, logos, documentation, and all other intellectual property embodied in or associated with the Service, is and shall remain the exclusive property of Varanic LLC and its licensors. These Terms do not convey to you any right, title, or interest in or to the Service except for the limited license expressly granted herein.

Subject to your compliance with these Terms and payment of all applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service during the term of your subscription solely for your permitted internal business purposes. This license does not include the right to access, view, or obtain any source code of the Service.

All trademarks, service marks, trade names, and trade dress associated with the Service, including but not limited to "Varanic" and the Varanic logo, are the property of Varanic Technologies, LLC. You may not use any of our trademarks without our prior written consent, except to the extent necessary to reasonably identify the Service as the source of outputs generated through your authorized use.

We welcome feedback, suggestions, and ideas from our customers. However, any feedback you provide regarding the Service shall be deemed non-confidential, and we shall have a royalty-free, worldwide, irrevocable, perpetual license to use, modify, and incorporate such feedback into the Service without any obligation to you.

6. Data Ownership

As between you and Varanic, you retain all right, title, and interest in and to any financial data, documents, reports, and other information that you upload, submit, or otherwise transmit to the Service ("Customer Data"). We claim no ownership interest in your Customer Data.

You grant Varanic a limited, non-exclusive, worldwide license to access, use, process, store, copy, and display your Customer Data solely to the extent necessary to provide, maintain, and improve the Service, to provide customer support, and to comply with applicable law. This license is limited to the duration of your subscription and a reasonable wind-down period following termination.

6.1 Aggregated and Derived Data

In the course of providing the Service, Varanic generates aggregated, anonymized, and de-identified data derived from Customer Data that cannot reasonably be used to identify you, any specific counterparty, or any portfolio entity ("Aggregated Data"). Aggregated Data includes, without limitation: (a) statistical benchmarks and industry-level financial metrics computed across multiple customers; (b) extraction accuracy rates, data quality scores, and model performance metrics derived from user corrections and validation signals; (c) anonymized patterns in financial reporting, restatement frequency, and document structure; and (d) aggregate usage and feature adoption metrics.

You acknowledge and agree that Varanic owns all right, title, and interest in and to Aggregated Data. Varanic may use Aggregated Data without restriction for purposes including, but not limited to: improving and training the Service's data extraction and analysis models; developing new products, features, and data offerings; conducting and publishing research; generating industry benchmarks; and creating derivative data products — provided that such Aggregated Data does not reveal your confidential information or the identity of any specific entity within your portfolio.

The rights granted to Varanic with respect to Aggregated Data are perpetual, irrevocable, and survive any termination or expiration of your subscription or these Terms. For clarity, Aggregated Data is not Customer Data.

Benchmark contribution is opt-in. Customer Data is contributed to cross-customer industry benchmarks only when you have explicitly enabled contribution via the "Industry Benchmarks" toggle in Account Settings. New accounts are created with contribution disabled by default; you may enable, disable, or review the setting at any time. When contribution is disabled, Varanic still computes Aggregated Data internally for model improvement and internal analytics as described above, but your data is excluded from the cross-customer benchmark pool.

6.2 User Corrections and Feedback

When you correct, edit, validate, or otherwise modify data extracted by the Service, you grant Varanic a perpetual, irrevocable, non-exclusive, royalty-free, worldwide license to use such corrections and feedback — in anonymized and de-identified form — to improve the accuracy of the Service's extraction models, enhance data quality algorithms, and develop derivative insights. This license applies solely to the correction patterns, accuracy signals, and metadata associated with such edits, not to the underlying financial values themselves, which remain Customer Data subject to Section 6.

6.3 Data Export and Retention

Upon termination or expiration of your subscription, you shall have a period of thirty (30) calendar days to export your Customer Data from the Service using the available export functionality. We will provide reasonable assistance in facilitating such export upon request. Following the expiration of the thirty-day export window, we reserve the right to delete your Customer Data from our active systems in accordance with our data retention policies, subject to any legal obligations requiring longer retention. For the avoidance of doubt, deletion of Customer Data does not affect Varanic's rights in Aggregated Data or anonymized correction data as described in Sections 6.1 and 6.2.

7. Third-Party Data and SEC EDGAR Disclaimer

The Service integrates with and retrieves data from third-party sources, including the U.S. Securities and Exchange Commission's Electronic Data Gathering, Analysis, and Retrieval system ("SEC EDGAR"). Data obtained from SEC EDGAR consists of publicly available filings and disclosures submitted by reporting companies to the SEC.

Varanic does not guarantee the accuracy, completeness, timeliness, or reliability of any data obtained from SEC EDGAR or any other third-party source. Third-party data is provided on an "as available" basis and may be subject to delays, omissions, errors, or inaccuracies attributable to the original source. We are not responsible for any errors or omissions in third-party data, nor for any actions taken in reliance upon such data.

Where the Service uses artificial intelligence or machine learning to extract, interpret, or analyze data from third-party filings, such AI-generated outputs are provided for informational purposes only and should be independently verified against original source documents before being used for credit decisions, regulatory reporting, or any other material business purpose. AI-generated analyses may contain errors, misinterpretations, or omissions, and should not be relied upon as the sole basis for any financial or business decision.

You acknowledge and agree that your use of third-party data accessed through the Service is subject to any applicable terms, conditions, and restrictions imposed by the original data provider, including the SEC's terms of use for EDGAR data.

8. No Financial or Investment Advice Disclaimer

The Service is an analytical tool designed to assist qualified financial professionals in evaluating counterparty credit risk. Nothing in the Service, including any credit scores, risk assessments, financial analyses, alerts, reports, or other outputs generated by the platform, constitutes or should be construed as investment advice, financial advice, legal advice, tax advice, or a recommendation to make or refrain from making any particular investment, lending, or business decision.

Varanic LLC is not a registered investment advisor, broker-dealer, financial institution, credit rating agency, or nationally recognized statistical rating organization ("NRSRO") under applicable securities laws. The credit scores and risk assessments provided through the Service are proprietary analytical outputs and do not constitute credit ratings for purposes of any applicable regulation.

You are solely responsible for your own investment, lending, and business decisions. You should consult with qualified financial advisors, legal counsel, accountants, and other professional advisors before making any financial decision based, in whole or in part, on information or analyses obtained through the Service. The Service is intended to supplement, not replace, the judgment of experienced credit professionals operating within appropriate institutional risk management frameworks.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VARANIC TECHNOLOGIES, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE PRACTICE.

WITHOUT LIMITING THE FOREGOING, VARANIC MAKES NO WARRANTY OR REPRESENTATION THAT: (A) THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM THE USE OF THE SERVICE, INCLUDING ANY CREDIT SCORES, RISK ASSESSMENTS, OR FINANCIAL ANALYSES, WILL BE ACCURATE, RELIABLE, OR COMPLETE; (D) ANY DEFECTS IN THE SERVICE WILL BE CORRECTED; OR (E) THE SERVICE WILL BE COMPATIBLE WITH ANY PARTICULAR HARDWARE, SOFTWARE, OR NETWORK CONFIGURATION.

You acknowledge that the Service processes large volumes of financial data using automated extraction and analytical techniques, and that such processes may occasionally produce errors or inaccuracies. You assume full responsibility for verifying the accuracy of any output of the Service before relying upon it for any material business purpose.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF VARANIC TECHNOLOGIES, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS (COLLECTIVELY, THE "VARANIC PARTIES") ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, SHALL NOT EXCEED THE TOTAL FEES ACTUALLY PAID BY YOU TO VARANIC FOR THE SERVICE DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

IN NO EVENT SHALL THE VARANIC PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITIES, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COST OF PROCUREMENT OF SUBSTITUTE SERVICES, OR ANY OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE AND WHETHER OR NOT VARANIC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF THE THEORY OF LIABILITY, INCLUDING WITHOUT LIMITATION BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL OR EQUITABLE THEORY, AND SHALL SURVIVE THE TERMINATION OR EXPIRATION OF THESE TERMS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.

11. Indemnification

You agree to indemnify, defend, and hold harmless Varanic Technologies, LLC and its officers, directors, employees, agents, affiliates, successors, and assigns (collectively, the "Indemnified Parties") from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

• Your use of the Service, including any actions taken or decisions made based on data, analyses, or outputs obtained through the Service.
• Your Customer Data, including any claims that Customer Data infringes or misappropriates the intellectual property rights or other rights of any third party.
• Your violation or breach of any provision of these Terms, including but not limited to the Acceptable Use Policy set forth in Section 4.
• Your violation of any applicable law, regulation, rule, or order, or the rights of any third party.

Varanic shall provide you with prompt written notice of any claim subject to indemnification hereunder, provided that the failure to provide such notice shall not relieve you of your indemnification obligations except to the extent you are materially prejudiced by such failure. Varanic shall provide reasonable cooperation in the defense of any such claim at your expense. You shall not settle any claim without the prior written consent of Varanic if the settlement would impose any obligation upon Varanic or would not include a full and unconditional release of all Indemnified Parties.

12. Confidentiality

"Confidential Information" means any non-public information disclosed by one party ("Disclosing Party") to the other party ("Receiving Party"), whether orally, in writing, or by any other means, that is designated as confidential or that a reasonable person would understand to be confidential given the nature of the information and the circumstances of disclosure. Confidential Information includes, without limitation, business plans, customer data, financial information, technical specifications, algorithms, source code, product roadmaps, pricing, and security practices.

The Receiving Party agrees to: (a) hold the Disclosing Party's Confidential Information in strict confidence; (b) not disclose Confidential Information to any third party except to employees, contractors, and agents who have a legitimate need to know and are bound by confidentiality obligations no less restrictive than those set forth herein; and (c) use the Disclosing Party's Confidential Information solely for the purposes contemplated by these Terms.

The foregoing obligations shall not apply to information that: (a) is or becomes publicly available through no fault of the Receiving Party; (b) was rightfully known to the Receiving Party prior to disclosure without restriction on use or disclosure; (c) is independently developed by the Receiving Party without reference to the Disclosing Party's Confidential Information; or (d) is rightfully obtained by the Receiving Party from a third party without restriction on use or disclosure. Additionally, the Receiving Party may disclose Confidential Information to the extent required by applicable law, regulation, or court order, provided that the Receiving Party gives the Disclosing Party prompt written notice (to the extent legally permissible) and reasonable assistance to seek a protective order or other appropriate remedy.

The confidentiality obligations set forth in this Section shall survive termination or expiration of these Terms for a period of three (3) years.

13. Data Privacy

Varanic is committed to protecting the privacy of your personal information and Customer Data. Our collection, use, storage, and disclosure of personal information are governed by our Privacy Policy, available at /privacy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in the Privacy Policy.

All Customer Data is processed, stored, and transmitted in accordance with our Privacy Policy and applicable data protection laws. We implement appropriate technical and organizational measures to protect Customer Data against unauthorized access, alteration, disclosure, or destruction, as described in our Security documentation.

For customers subject to the General Data Protection Regulation ("GDPR") or the UK General Data Protection Regulation, Varanic will process personal data in accordance with applicable data protection laws. To the extent Varanic processes personal data on your behalf as a data processor, the parties agree to enter into a Data Processing Agreement that sets forth the obligations of each party with respect to the processing of personal data, including the categories of data subjects, the types of personal data processed, the purposes of processing, and the technical and organizational security measures in place. You may request a copy of our Data Processing Agreement by contacting us at [email protected].

14. Term and Termination

These Terms shall remain in effect for the duration of your subscription to the Service. The specific subscription term, including start date, end date, and renewal provisions, shall be as set forth in your applicable order form or subscription agreement. Unless otherwise specified, subscriptions shall automatically renew for successive periods equal to the initial subscription term unless either party provides written notice of non-renewal at least sixty (60) days prior to the end of the then-current term.

Either party may terminate these Terms upon written notice if the other party materially breaches any provision of these Terms and fails to cure such breach within thirty (30) calendar days after receiving written notice specifying the nature of the breach.

Notwithstanding the foregoing, Varanic may terminate or suspend your access to the Service immediately and without prior notice if: (a) you fail to pay any fees when due and such failure continues for more than ten (10) days after written notice; (b) your use of the Service poses an imminent security threat to the Service or other customers; (c) your use of the Service constitutes or facilitates illegal activity; or (d) termination is required to comply with applicable law or a court order.

Upon termination or expiration of these Terms for any reason: (a) your right to access and use the Service shall immediately cease; (b) you shall have thirty (30) calendar days to export your Customer Data, after which we may delete it from our active systems; (c) any outstanding fees for the remainder of the then-current subscription term shall become immediately due and payable; and (d) the following Sections shall survive termination: Intellectual Property, Data Ownership, Disclaimer of Warranties, Limitation of Liability, Indemnification, Confidentiality, Governing Law, and Severability and Entire Agreement.

15. Governing Law and Dispute Resolution

These Terms and any disputes arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of laws principles.

Any dispute arising out of or relating to these Terms or the Service shall first be subject to good-faith negotiation between the parties for a period of not less than thirty (30) days following written notice describing the dispute. If the dispute is not resolved through negotiation, either party may pursue its remedies in the state or federal courts located in Wilmington, Delaware. Each party irrevocably consents to the exclusive personal jurisdiction and venue of such courts for the purpose of resolving any dispute relating to these Terms or the Service.

The prevailing party in any litigation arising out of these Terms shall be entitled to recover its reasonable attorneys' fees and costs.

16. Force Majeure

Neither party shall be liable for any failure or delay in the performance of its obligations under these Terms (other than payment obligations) to the extent such failure or delay is caused by events beyond the party's reasonable control, including but not limited to: acts of God, natural disasters, epidemics or pandemics, war, terrorism, government actions or orders, labor disputes, utility or telecommunications failures, cyberattacks (except where caused by the affected party's failure to implement reasonable security measures), or failures of third-party service providers or internet infrastructure.

The affected party shall provide prompt written notice to the other party describing the event and its expected duration, and shall use commercially reasonable efforts to mitigate its effects and resume performance as soon as practicable. If a force majeure event continues for more than sixty (60) consecutive days, either party may terminate the affected subscription upon written notice.

17. Modification of Terms

Varanic reserves the right to modify, amend, or replace these Terms at any time. We will provide at least thirty (30) days' prior written notice before any modified Terms become effective. Notice may be provided through the Service interface, by email to the address associated with your account, or by posting the updated Terms on our website with a revised effective date.

For changes that materially affect your rights or obligations under these Terms, including but not limited to changes to pricing, limitation of liability, data handling practices, or scope of permitted use, we will provide specific notice via email to the primary account contact and, where applicable, the billing contact on file for your account.

Your continued use of the Service after the thirty-day notice period constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must cease using the Service before the end of the notice period. In such case, the prior version of the Terms shall continue to govern your use through the end of your then-current subscription term, after which your subscription will not be renewed.

18. Severability and Entire Agreement

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable. If such modification is not possible, the provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

These Terms, together with the Privacy Policy, any applicable order forms, subscription agreements, and Data Processing Agreements, constitute the entire agreement between you and Varanic with respect to the subject matter hereof and supersede all prior and contemporaneous agreements, proposals, representations, warranties, and understandings, whether written or oral, relating to such subject matter. In the event of a conflict between these Terms and an applicable order form or subscription agreement, the order form or subscription agreement shall control to the extent of the conflict.

No waiver of any provision of these Terms shall be effective unless made in writing and signed by an authorized representative of the waiving party. The failure of either party to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any breach of these Terms shall be deemed a waiver of any subsequent or prior breach.

You may not assign, transfer, or delegate your rights or obligations under these Terms without the prior written consent of Varanic. Varanic may assign these Terms, in whole or in part, without your consent in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets, provided that the assignee agrees to be bound by these Terms. Any purported assignment in violation of this Section shall be null and void. Subject to the foregoing, these Terms shall bind and inure to the benefit of the parties and their respective successors and permitted assigns.

19. Contact Information

If you have any questions, concerns, or notices regarding these Terms of Service, please contact us at:

All notices to Varanic under these Terms must be sent to the email addresses specified above and shall be deemed received upon confirmation of delivery. We will endeavor to respond to all inquiries within a reasonable timeframe.