Table of Contents

Access to and use of the Services (as defined below) is subject exclusively to the following terms and conditions (“Terms of Service”).

By signing up for a Customer Account on Makhulu.com, the Customer is fully accepting these Terms of Service, including the Privacy Policy (available at:https://www.Makhulu.com/privacy/), and, the Data Processing Addendum (“DPA”) (available at:https://www.Makhulu.com/dpa/). If the Customer does not accept these Terms of Service including the Privacy Policy, and the DPA, the Customer must immediately stop using the Services. If the Customer nonetheless uses the Services, it will be deemed to have agreed to be bound by these Terms of Service, including the Privacy Policy and the DPA.

If you have any questions or comments regarding these Terms of Service, please contact us via our online request form.

1. Definitions

a) The term “Makhulu”, “we”, “us” or “our” refers to Codebay Solutions Limited, a company incorporated in England and Wales with company number 5903966, whose registered office is at Magma House, 16 Davy Court Way, Castle Mound Way, Rugby, Warwickshire, CV23 0UZ, United Kingdom (trading as Makhulu).
b) The term “Makhulu.com” refers to our website Makhulu.com.
c) The term “Services” refers to all services provided by Makhulu from time to time, and may include but is not limited to, creating, maintaining and hosting a website, receiving booking information via our booking and payment system, managing reservations and payments and responding to Customer clients via our reservation system and managing content on third party channels via our channel manager, and the Makhulu Dynamic Pricing Feature.
d) The term “Customer” refers to either: a) the person who registers for a Customer Account on his/her own behalf; or b) the organization, where the person registers for a Customer account on behalf of an organization.
e) The term “Customer Account” refers to the account which the Customer creates on Makhulu.com in order to access and use the Services.
f) The term “Customer Website” refers to the website that is created by the Customer using our Services, including a permitted sub-domain of Makhulu.com (such as //[CUSTOMER].Makhulu.com or //checkout.Makhulu.com/[CUSTOMER AND LISTING DETAIL]).
g) The term “Property” refers to any form of accommodation, building, houseboat, apartment, room, apartment blocks, houses or any other dwellings or rental space that is displayed by the Customer on the Customer’s Website or a third-party channel and offered for rent using the Services.
h) The term “Content” means text, graphics, images, music, software, audio, video, information or any other form of data.
i) The term “Customer Content” refers to Content provided by the Customer as part of using the Services including but not limited to information (including photographs or illustrations) about a Property’s amenities, suitability, pricing or availability.
j) The term “Contract Term” means the period during which the Customer is subscribed to receive the Services and comprises the Initial Term and any Subsequent Term.
k) The term “Subscription Fee” means the fee payable for the Customer’s chosen subscription plan.
l) The term “Booking Fee” means, where applicable to the Customer’s chosen subscription plan, the fee payable on bookings made.
m) The term “Transaction Fee” means the fee payable on credit card and Paypal payments.
n) The term “Makhulu Dynamic Pricing Fee” means the fee payable for Customer’s use of the Makhulu Dynamic Pricing Feature.
o) The term “Initial Term” has the meaning given to it in clause 7.c).
p) The term “Subsequent Term” means each auto-renewed term under the Customer’s contract after the Initial Term has elapsed.
q) The term “Consumer” means an individual acting for purposes that are wholly or mainly outside that individual’s trade, business, craft or profession.
r) The term “Makhulu Dynamic Pricing Feature” means the functionality, if selected by Customer, which provides automatic updates to Property pricing data, further details of which are set out on our website from time to time.

2. Customer Account

a) To access and use the Services, the Customer must create a Customer Account with us. The Customer may be required to provide certain information as part of the registration process or continued use of the Services.
b) The Customer must be at least 18 years of age to be eligible to use the Services.
c) The Customer is responsible for maintaining the confidentiality of its Customer Account and for all activities and Content transmitted under its Customer Account.
d) The Customer is responsible for maintaining the confidentiality of its Customer Account, and shall not disclose its password to any third party. The Customer agrees to notify us immediately of any unauthorized use of a Customer Account or any other breach of security.
e) The Customer is responsible for all activities that occur, and Content that is transmitted, under its Customer Account.

3. Limitation of Business Activity

a) We do not own or manage Properties and we do not act as real estate agents or travel agents for our Customers or their customers. We only provide a platform that allows Customers to create, edit and display listings for Properties on Customer Websites or third-party channels, and to manage the booking and reservation of Properties. We do not take part in, or responsibility for, any rental transactions, booking arrangements or any property management issues. We are not a party to any rental contract.
b) The Customer acknowledges that (with the exception of Customer Content that is Account Data as defined in clause 12. a) ii.) Makhulu has no obligation to store, maintain or provide the Customer with a copy of any Customer Content. It is the Customer’s sole responsibility to back up its Content. See our Privacy Policy Makhulu.com/privacy/ for more information about our treatment of personal data.
c) The Customer is solely responsible for the operation of the Customer Website, including the business that is conducted in relation to the Properties, the statements and representations made by the Customer about the Properties, any interaction between the Customer and its users on the Customer Website, and the content (including user-generated content) which is posted to or transmitted via the Customer Website.
d) The Customer further acknowledges that we have no control over any Content transmitted on the Customer Website or the third party channels (including initiation of the transmission or determination of the receiver of the transmission) and do not monitor or review such Content.
e) The Customer shall ensure that the scope of our role in relation to the Customer Website as described in this clause 3 shall be clearly communicated to users of its Customer Website and that no statement made on the Customer Website or otherwise to the Customer’s users misrepresents, or is likely to misrepresent, this.

4. Use of the Services

a) The Customer agrees to access and use the Services only to advertise Properties for rent. Any other use of the Services is expressly prohibited.
b) The Customer agrees to comply with all applicable laws and regulations with respect to its activities under these Terms of Service.
c) The Customer’s use of the Makhulu Dynamic Pricing Feature is subject to the additional terms set out in our Knowledge Base article.
d) The Customer shall own all right, title and interest in and to the Customer Content and Content uploaded by the Customer’s users, and shall have the sole responsibility for the legality, reliability, integrity, accuracy and quality of such Content.
e) The Customer warrants that it will provide and maintain correct and up-to-date information about the state, features, price, and availability of the Properties, and not to mislead the Customers’ users about the same or any other detail about the Properties. The Customer acknowledges that information provided about the Properties will be made available to the public and may be sent to our partner websites for the purpose of advertising the Property.
f) The Customer is further solely responsible for ensuring that the Customer Website complies with applicable law and for drafting, displaying and enforcing the terms of use and privacy policy for the Customer Website.
g) If the Customer operates in a similar business to ours, we reserve the right to refuse to provide our Services to them and to terminate these Terms of Service immediately without notice
h) We may modify, replace, refuse access to, suspend or discontinue the Services, partially or entirely, at any time and at our sole discretion.
i) The Services are provided by us or our licensors or affiliates. Part of the Services shall be provided through software developed by the entity Rental Ninja S.L., which is integrated into Makhulu.com (the “VPS”). Accordingly, by using the Services, the Customer agrees that it has read and fully accepts the terms of service of the VPS (available at: https://pm.Makhulu.com/terms/) and accepts that any claim, legal remedy or civil liability that may derive directly or indirectly from the use of such VPS, must be directed exclusively against Rental Ninja S.L..

5. Trial Period

a) Customers that use the Services within a free trial period acknowledge and agree that the Services will, or may, automatically “time out” (that is to say, cease to operate) at the end of the trial period if the Customer has not at that time paid the applicable Fees.
b) During the free trial period, we may terminate our contract with the Customer at any time and for any reason by giving notice to the Customer.
c) Without limiting the generality of clause 3 b), we reserve the right to delete any Content stored by us in relation to an expired trial period, without liability to the Customer.

6. Prohibited Use

a) The Customer shall not:
– license, sell, rent, lease, transfer, assign, distribute, display, disclose or otherwise commercially exploit, or otherwise make the Services available to any third party;
– access all or any part of the Services in order to build a product or service which competes with the Services;
– attempt to copy, modify, create derivative works of, display, transmit or distribute all or any part of the software applications used by us as part of the Services (except as may be allowed by any applicable law incapable of exclusion); or
– attempt to reverse compile, disassemble, reverse engineer or otherwise reduce to human-perceivable form all or any part of the software applications used by us as part of the Services (except as may be allowed by any applicable law incapable of exclusion).

b) Except where expressly otherwise permitted in these Terms of Service, the Customer is prohibited from:
– using or accessing Makhulu.com and the Services in a manner that unfavorably affects the performance or proper functioning of Makhulu.com and the Services, or any computer systems or networks used by Makhulu.com and the Services;
– impersonating anyone, or from misrepresenting or misstating facts about affiliation with any person, or from forging headers or manipulating identifiers so as to disguise the origin of the content transmitted through the Customer Websites;
– using, displaying, mirroring or framing Makhulu.com, or any individual element within Makhulu.com or the Services, Makhulu’s name, any Makhulu trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without our express written consent;
– using any robot, spider, other automatic device or manual process to monitor, download, copy or keep a database copy of the Customer Content and Content made available through the Services and Makhulu.com;
– sending any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters or other forms of solicitation;
– and the Customer agrees to include similar provisions which are no less onerous than those stated in this clause 6. b) in its terms and conditions with its users.

c) The Customer agrees not to post, upload, publish, submit or transmit any Customer Content that:
– infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy;
– violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability;
– is fraudulent, false, misleading, deceptive, defamatory, obscene, pornographic, vulgar or offensive;
– promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group;
– is violent or threatening or promotes violence or actions that are threatening to any person or entity; or
– promotes illegal or harmful activities or substances,
– and the Customer shall include similar provisions which are no less onerous than those stated in this clause 6. c) in its terms and conditions with its users.

d) The Customer agrees not to display any behavior towards any of our employees, directors, officers, agents and representatives, that:
– violates any applicable law or regulation or would give rise to civil liability;
– is inappropriate, defamatory, obscene, pornographic, vulgar, offensive or otherwise detrimental;
– promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group;
– is violent or threatening.

e) We reserve the right to withhold, remove and/or delete any Customer Content, with or without notice, where we reasonably suspect that such Customer Content breaches these Terms of Service, and the Customer shall indemnify us against all damages, losses and expenses arising as a result of any action or claim that the Customer Content posted to, or linked to, the Customer Website or a third party channel breaches these Terms of Service.

f) We further reserve the right to modify any Customer Content in connection with the optimization of the Customer Website. Further information about this right and other rights which the Customer grants to us in relation to Customer Content is set out in clause 13. c).

7. Fees, Payments, Refunds

a) Subject to clause 5 (Trial Period), our Services are provided for the fees described for each subscription plan onhttps://www.Makhulu.com/pricing/, including but not limited to Subscription Fees, Transaction Fees, Booking Fees, and Makhulu Dynamic Pricing Fees (collectively, “Fees”), and the Customer is liable for such Fees. Fees are exclusive of value-added tax. The Fees described for each subscription plan on https://www.Makhulu.com/pricing/ apply to new Customers or existing Customers who change subscription plans but may not reflect the Fees payable by existing Customers on legacy plans. More information about when our Fees apply and how they are calculated can be found on our website (as updated from time to time). The Customer agrees that it has read this information and understands how Booking Fees, Transaction Fees and Makhulu Dynamic Pricing Fees may apply to its use of the Services.

b) We reserve the right to change these Fees and introduce new charges in connection with the Services at any time, upon at least 30 days prior notice to the Customer, which notice may be provided by e-mail to the email address associated with the Customer Account. Fee changes will take effect in the Customer’s Subsequent Term.

c) The Customer may subscribe to a one (1) month, twelve (12) month or twenty-four (24) month term with us (the “Initial Term”) and payment of the Subscription Fee (where applicable) must be made in advance. The Services will be available to the Customer immediately after we have received the payment of the Subscription Fee (where applicable). Where no Subscription Fee is payable for the Customer’s chosen subscription plan, the Services will be available to the Customer when it has completed the subscription process.

d) The Customer can opt to upgrade or downgrade the Services to any other subscription plan that we are offering for sale at any time during the Contract Term. In the event of a subscription plan upgrade or downgrade, the new Subscription Fee will be immediately payable, the Subsequent Term will immediately begin and the Customer will be charged in full, pro-rated for the remaining part of the Initial Term or Subsequent Term, as the case may be.

e) The Initial Term (and any Subsequent Term) will automatically renew for a Subsequent Term until and unless explicitly canceled by the Customer. Contract renewals must be paid for by credit card or Paypal. The Customer acknowledges that we will not send it a notice before the Initial Term or Subsequent Term is renewed and that it is the Customer’s responsibility to cancel the contract with us if the Customer no longer wishes to receive the Services. Cancellation must be issued via the Customer Account or by contacting us via our online request form. Any cancellation issued via the Customer Account must be done at least one (1) day prior to the end of the Contract Term. Any cancellation issued via email must be done five (5) days prior to the end of the contract term to allow for adequate processing time. Where the Customer is a Consumer, a 14-day cooling-off period applies (the ‘Cooling-off Period’), during which the Customer is entitled to a refund of the Subscription Fee. For the avoidance of doubt, this Cooling-off Period shall apply to each Subsequent Term as well as to the Initial Term. The Customer should contact us via our online request form if it is a Consumer and wishes to get a refund during the Cooling-off Period. We reserve the right to deduct from the refund of the Subscription Fee an appropriate amount to cover our reasonable costs, including, but not limited to, administrative costs and onboarding costs.

f) Services canceled at the Customer’s request prior to the completion of the Contract Term are not subject to a refund.

g) If the Customer fails to comply with any of the provisions of these Terms of Service and we terminate the Services prior to the completion of the Contract Term, we will not refund any Fees.

h) The Customer agrees to us, or our third-party service providers, storing the Customer’s payment card information and charging that payment card (i) Fees for any applicable Services billed on a monthly, yearly or biyearly basis, (ii) any other Fees for additional services the Customer may purchase from us as an add-on to the Services provided in the Customer’s subscription plan, (iii) any increase in a Subscription Fee pursuant to clause 7. b) or d) of these Terms of Service, and (iv) any applicable taxes in connection with the Customer’s use of the Services. If the payment card the Customer provides expires or fails to make the payment and the Customer does not provide new payment card information or cancel the Customer Account, we may, without liability to the Customer, disable the Customer Account and access to all or part of the Services and we shall be under no obligation to provide any or all of the Services until a new payment card is provided or payment of a due amount is able to be charged.

i) All Fees shall be paid in U.S. dollars, British pounds or EU euros.

j) In the event that Makhulu offers any promo or discount code, the granting and utilization thereof shall be contingent upon the Customer refraining from changing any aspects of their subscription with Makhulu. This includes, without limitation, modifications to subscription recurrence (e.g., from Yearly to Biyearly), rentals count (e.g., from 1 to 2 rentals), or the plan type (e.g., from Professional to Ultimate). Any modification to any of the number of rentals, plan name or recurrency will result in the automatic loss of the discount, with Makhulu reserving the right to recover any amount that it would have been entitled to charge without the application of the discount.

8. Termination

a) The contract may be terminated by the Customer without cause, as per our cancellation procedures. a) Our contract with the Customer shall commence on the date the Customer creates a Customer Account and shall continue until terminated in accordance with this clause 8.
b) Our contract with the Customer may be terminated by the Customer, without cause, by following the cancellation procedures set forth in clause 7. e).
c) Our contract with the Customer may be terminated by us, without cause, at any time and (subject to clause 4. f)) upon one month’s notice to the Customer.
d) Our contract with the Customer may be terminated by us at any time, upon notice to the Customer (including via email), if: – the Customer fails to comply with any of the provisions of these Terms of Service; – the Customer fails to pay any Fee when it becomes due and fails to make payment within 30 days of the date the Fee became due; – the Services are discontinued; or – we lose the right to provide the Customer with the Services or where the provision of the Services or a particular Service becomes unlawful.
e) Upon termination: – the Customer shall immediately cease use of the Services; – the Customer acknowledges we have the right to delete all data, files, or other information that is stored in the Customer’s Account; – we reserve the right to request payment for outstanding, properly-incurred Fees, make deductions in whole or in part from any refund that the Customer may be entitled to by law, or charge compensation to cover our reasonable costs upon termination of the contract; and – any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination, including the right to claim damages in respect of any breach of the agreement which existed at or before the date of termination shall not be affected.

9. Links to Third-Party Websites

a) Makhulu.com contains links to third-party websites that are controlled and maintained by others. The Customer accesses such third-party websites at its own risk. We make no representation or commitment and shall have no liability or obligation whatsoever in relation to the content or use of, or correspondence with, any such third party website, or any transaction completed, and any contract entered into by the Customer, with any such third party. Any contract entered into and any transaction completed via any third-party website is between the Customer and the relevant third party, and not us. We recommend that the Customer refers to the third party’s website terms and conditions and privacy policy prior to using the relevant third party website. We do not endorse or approve any third-party website nor the content of any of the third-party websites made available via the Services.
b) Makhulu.com may also contain the services of third parties (including but not limited to domain registration services) which will be provided to the Customer pursuant to such third parties’ terms and conditions. We will provide the Customer with links to these third parties’ terms and conditions. The Customer’s acceptance of these terms and conditions may be required to make all services via Makhulu.com available to the Customer.
c) The Services may rely on information and data held by third party sources (“Third Party Sources”). We are not responsible or liable for the availability or accuracy of such Third Party Sources, or the content available from such Third Party Sources. We cannot be responsible for the accuracy of the information that is input into the Services or data we receive from the Third Party Sources. To the fullest extent permitted by law, and subject to any other provision in these Terms of Service, we do not accept any responsibility or liability arising out of the provision of the Services, and shall not be responsible or liable for any of the following matters: (a) the inputting of information by Customer; (b) the accuracy, quality and integrity of data retrieved from Third Party Sources; and (c) back-ups of Customer’s account information or any other data.

10. Disclaimer

a) The Customer acknowledges that the Services have not been developed to meet its individual requirements and that it is, therefore, the Customer’s responsibility to ensure that the facilities and functions of the Services meet the Customer’s requirements.
b) We are not responsible for any delays, delivery failures, or any other loss or damage resulting from the transfer of data over communications networks and facilities, including the internet, and the Customer acknowledges that the Services may be subject to limitations, delays and other problems inherent in the use of such communications facilities.
c) The Services and Makhulu.com are provided on an “AS IS”, “AS AVAILABLE” basis. The entire risk arising out of use or performance of the Services remains with the Customer. Unless otherwise specified, we cannot guarantee and do not promise any specific results from use of the Services.
d) We make no warranty that the functionality of the Services will be uninterrupted or error-free, that defects will be corrected or that the Services or the servers that make it available are free of viruses or anything else which may be harmful or destructive.
e) The Customer acknowledges that, as is the case with software of this nature and while we do everything we can to prevent this, we cannot rule out that the Services may from time-to-time experience bugs and in these situations, the Customer may lose potential bookings or obtain overbookings. The Customer agrees that we are not responsible for refunding the cost of any lost potential booking or overbooking. We will use reasonable endeavors to repair any bugs that the Customer notifies us of.
f) We make no warranty that the Customer Content will not be lost or corrupted and, with the exception of Customer Content which is Account Data (as defined in clause 12. a) ii.), we shall not be responsible for any loss, destruction, alteration, unauthorized disclosure or corruption of Customer Content. See our Privacy Policy Makhulu.com/privacy for more information about our treatment of personal data.
g) Except as expressly stated in these Terms of Service, to the fullest extent permitted by law, all other warranties, representations, conditions and all other terms of any kind whatsoever implied by statute or common law are excluded from these Terms of Service.
h) Customer further acknowledges and agrees that it is not acting upon the advice or direction of Makhulu or any of its parents, subsidiaries, affiliates, officers, directors, investors, partners, employees, agents, or licensors, none of whom advise or direct Customer, or Customer’s communications, transactions, or interactions with third parties. Unless otherwise specified in these Terms of Service, Makhulu, Makhulu’s affiliates, suppliers and licensors make no warranty or representation in respect of any advice or information, whether oral or written, given to Customer or obtained by Customer through its use of the Services.

11. Limitation of Liability

a) Nothing in these Terms of Service excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability which cannot be excluded or limited by law.
b) Subject to clause 11. a), we will not be liable, whether in tort (including negligence or breach of statutory duty), contract, misrepresentation, restitution or otherwise for any: – loss of profits, – loss of business, – depletion of goodwill – loss or corruption of data or information, or – any indirect, special, incidental or consequential loss or damage, – arising out of or in connection with the Customer’s use of the Services.
c) Subject to clause 11. a), our total aggregate liability in contract, tort (including negligence or breach of statutory duty), misrepresentation, restitution or otherwise, arising in connection with the performance or contemplated performance of the Services shall be limited to the total Fees paid for by the Customer during the 12-month period immediately preceding the date on which the claim arose.

12. Personal Data

a) The Customer acknowledges that:
– the Customer shall be the data controller and we shall be a data processor in respect of any personal data which we process on the Customer’s behalf when performing the Services (“Service Data”); and
– we shall be the data controller in respect of any personal data submitted or collected in association with the Customer Account (“Account Data”).

b) With regards to Service Data:
– the Customer acknowledges and agrees that the personal data may be transferred or stored outside the EEA or the country where the Customer is located in order to carry out the Services and our other obligations under this agreement;
– the Customer shall ensure that the Customer is entitled to transfer the relevant personal data to us so that we may lawfully use, process and transfer the personal data in accordance with these Terms of Service on the Customer’s behalf;
– the Customer shall ensure that the relevant third parties have been informed of, and have given their consent to, such use, processing, and transfer as required by all applicable data protection legislation;
– we shall process the personal data only in accordance with these Terms of Service, our Privacy Policy (available at Makhulu.com/privacy) and any lawful instructions reasonably given by the Customer from time to time.
– With regards to Account Data, our Privacy Policy (available at Makhulu.com/privacy) sets out the terms on which we process personal data and which are hereby incorporated into these Terms of Service.

c) To the extent that Makhulu processes any Controller Personal Data (as defined in the DPA) contained in Customer Content that is subject to the GDPR (as defined in the DPA), on the Customer’s behalf, in the provision of the Services, the terms of the Data Processing Addendum available at https://www.Makhulu.com/dpa/ (“DPA”), which are hereby incorporated by reference, shall apply and the Customer and we agree to comply with such terms.

13. Intellectual Property Rights and Customer Content

a) The Customer acknowledges and agrees that Makhulu and/or its licensors own all intellectual property rights in the Services and the logo, design, material, and software on Makhulu.com. Except as expressly stated herein, this agreement does not grant the Customer any rights to or in patents, copyright, database rights, trade secrets, trade names, trademarks (whether registered or unregistered), or any other rights or licenses in respect of the Services.

b) The Customer represents and warrants that it is the owner or permitted licensee of the Customer Content, including all intellectual property rights consisting in it, and agrees to indemnify us immediately on demand against any cost, loss or liability which we may incur by reason of the Customer’s breach of that warranty.

c) The Customer grants us the following limited license with respect to the Customer Content: a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free license, with the right to sublicense, to use, view, copy, adapt, modify, distribute, license, transfer, publicly display, publicly perform, transmit, stream, broadcast, and otherwise exploit such Customer Content only in connection with the provision of Makhulu.com (including any and the Services) and optimization of the Customer Website.

14. Insurance Products and Services

In certain states, insurance services are provided through Makhulu Insurance Services Inc. (CA License #6014335) (“LIS”), an insurance agency affiliate of Codebay Solutions Ltd. with its principal place of business at 1700 W Irving Park Road Suite 209A, Chicago, IL 60613 (see the insurance producer license information for such states here). LIS acts in partnership with On Demand Insurance Agency, LLC (dba Safely), an unaffiliated insurance agency that offers insurance business on behalf of Obsidian Specialty Insurance Company (NAIC# 16871) and may be paid a commission, fee, or other compensation for its services. In those states where LIS is not licensed as an insurance producer, insurance products or services offered on Makhulu.com are offered by licensed independent insurance agents not employed by, or affiliated with Makhulu, and Makhulu is not liable for their conduct and representations.

All insurance policies, contracts, plans and product benefits, coverages, exclusions, premium, and other fees are subject to the terms, exclusions, limitations, and conditions of the actual insurance contract and any related forms provided by the applicable insurance company at the time of purchase, and shall not be deemed to be modified, supplemented, or otherwise changed by any information set forth on Makhulu.com or any linked website. For complete descriptions of the terms, conditions, and exclusions of insurance coverage or other products or services, please contact the applicable licensed insurance producer and/or refer to the additional terms, conditions, notices, and other documentation provided by the applicable insurance company.

15. Indemnity

The Customer agrees to indemnify and hold Makhulu and its directors and employees harmless from and against all claims, actions, proceedings, liabilities, damages, losses, expenses, and costs (including without limitation court costs and reasonable legal fees) which arise from, relate to, or are connected with the Customer’s use of the Services.

16. Force Majeure

a) Subject to clause 15. b), we shall not be liable to the Customer for any breach or delay in the performance of our obligations under these Terms of Service where such breach or delay is caused by an event outside of our control.

b) We will take reasonable steps to minimize the effect of the delay or breach.

17. Changes to the Terms & Conditions

We reserve the right to change these Terms of Service at any time and, where appropriate, upon giving the Customer notice via email to the email address associated with the Customer Account in advance. We advise the Customer to review these Terms of Service on a regular basis in case of any changes. The Customer’s continued use of the Services following any changes shall be deemed to be the Customer’s acceptance of such changes.

18. Severance

If any of the provisions or part provisions contained in these Terms of Service should be determined to be invalid, illegal, or unenforceable for any reason by any court of competent jurisdiction, then such provision or part-provision shall be severed, and the remaining provisions and part-provisions shall survive and remain in full force and effect and continue to be binding and enforceable.

19. Non-Waiver

Our failure to enforce at any time or for any period any one or more of the provisions of these Terms of Service shall not be a waiver of them or the rights attaching to any of them.

20. Notices

Unless specified otherwise, any notices or other communications to the Customer permitted or required under these Terms of Service will be provided electronically and given by Makhulu via email, Makhulu Platform notification, messaging service (including SMS), and any other contact method we enable and you provide.

21. Assignment

a) The Customer shall not, without our prior written consent, assign, transfer, charge, sub-contract or deal in any manner with any or all of its rights or obligations under this agreement.

b) We may at any time assign, transfer, charge, sub-contract or deal in any other manner with all or any of its rights or obligations under this agreement.

22. Third Party Rights

These Terms of Service do not confer any rights on any person or party (other than the parties to this agreement and, where applicable, their successors and permitted assigns) pursuant to the Contracts (Rights of Third Parties) Act 1999.

23. Governing Law and Jurisdiction

These Terms of Service and any dispute or claim arising out of or in connection with them are governed by English law, with exclusive jurisdiction of the English courts.