1. Introduction

This Disclaimer of Warranties and Limitation of Liability ("Disclaimer") sets forth important disclaimers, limitations, and exclusions that apply to your use of the 1nga Business platform, including but not limited to the website located at business.1nga.store, mobile applications, APIs, and all related services, products, and content (collectively, the "Platform" or "Service"). This Disclaimer is incorporated into and forms part of the Terms and Conditions of Service, and by using the Platform, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.

This Disclaimer is designed to comply with applicable laws and regulations while protecting the legitimate interests of 1nga Business, its Affiliates, licensors, service providers, and their respective officers, directors, employees, agents, and representatives (collectively, the "1nga Business Parties"). Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, and accordingly, some of the limitations and exclusions set forth in this Disclaimer may not apply to you.

2. General Disclaimer

THE PLATFORM AND ALL SERVICES, PRODUCTS, CONTENT, INFORMATION, AND MATERIALS PROVIDED THROUGH THE PLATFORM ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. 1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, REGARDING THE PLATFORM, SERVICES, PRODUCTS, CONTENT, INFORMATION, OR MATERIALS, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, OR SUITABILITY.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCTS OR SERVICES OFFERED BY SUPPLIERS OR OTHER THIRD PARTIES THROUGH THE PLATFORM, AND 1NGA BUSINESS SHALL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND SUPPLIERS OR OTHER THIRD PARTIES.

3. Platform Availability and Performance

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES DO NOT WARRANT OR GUARANTEE THAT: (A) THE PLATFORM WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE AT ALL TIMES; (B) THE PLATFORM WILL OPERATE WITHOUT INTERRUPTION, DELAYS, OR DEFECTS; (C) THE PLATFORM WILL BE FREE FROM VIRUSES, MALWARE, TROJAN HORSES, WORMS, OR OTHER HARMFUL, DISRUPTIVE, OR DESTRUCTIVE CODE OR PROGRAMS; (D) THE PLATFORM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (E) THE PLATFORM WILL BE COMPATIBLE WITH YOUR DEVICE, SOFTWARE, OR NETWORK; (F) DEFECTS OR ERRORS IN THE PLATFORM WILL BE CORRECTED; OR (G) THE PLATFORM WILL BE FREE FROM UNAUTHORIZED ACCESS, HACKING, OR SECURITY BREACHES.

THE PLATFORM MAY BE UNAVAILABLE DUE TO: (A) SCHEDULED OR UNSCHEDULED MAINTENANCE; (B) SYSTEM UPDATES OR UPGRADES; (C) TECHNICAL FAILURES OR MALFUNCTIONS; (D) INTERNET OR TELECOMMUNICATIONS FAILURES OR DISRUPTIONS; (E) CYBERATTACKS, SECURITY BREACHES, OR DATA BREACHES; (F) FORCE MAJEURE EVENTS; OR (G) OTHER CIRCUMSTANCES BEYOND 1NGA BUSINESS'S REASONABLE CONTROL.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM OR IN CONNECTION WITH PLATFORM UNAVAILABILITY, INTERRUPTIONS, DELAYS, OR FAILURES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, LOSS OF BUSINESS OPPORTUNITIES, OR OTHER CONSEQUENTIAL OR INDIRECT DAMAGES.

4. Product Information and Descriptions

PRODUCT INFORMATION, INCLUDING BUT NOT LIMITED TO DESCRIPTIONS, SPECIFICATIONS, IMAGES, PRICING, AVAILABILITY, AND OTHER DETAILS, IS PROVIDED BY SUPPLIERS OR OBTAINED FROM THIRD-PARTY SOURCES, AND 1NGA BUSINESS DOES NOT VERIFY, GUARANTEE, OR WARRANT THE ACCURACY, COMPLETENESS, RELIABILITY, OR QUALITY OF SUCH INFORMATION.

PRODUCT INFORMATION IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND IS SUBJECT TO CHANGE WITHOUT NOTICE. PRODUCT DESCRIPTIONS, SPECIFICATIONS, IMAGES, AND OTHER INFORMATION MAY CONTAIN ERRORS, OMISSIONS, OR INACCURACIES, AND 1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY SUCH ERRORS, OMISSIONS, OR INACCURACIES.

PRODUCT IMAGES ARE FOR ILLUSTRATIVE PURPOSES ONLY AND MAY NOT ACCURATELY REPRESENT THE ACTUAL PRODUCT. COLORS, SIZES, WEIGHTS, DIMENSIONS, AND OTHER PRODUCT ATTRIBUTES MAY VARY FROM WHAT IS DISPLAYED ON THE PLATFORM. YOU ACKNOWLEDGE THAT YOU SHOULD VERIFY PRODUCT SPECIFICATIONS AND DETAILS WITH THE SUPPLIER BEFORE PLACING AN ORDER.

PRODUCT AVAILABILITY, PRICING, AND SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE, AND 1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES DO NOT GUARANTEE THAT PRODUCTS WILL BE AVAILABLE AT THE TIME OF ORDER PLACEMENT OR AT ANY TIME THEREAFTER.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY DISCREPANCIES BETWEEN PRODUCT INFORMATION DISPLAYED ON THE PLATFORM AND ACTUAL PRODUCTS, OR FOR ANY LOSS OR DAMAGE ARISING FROM RELIANCE ON PRODUCT INFORMATION.

5. Third-Party Content and Services

THE PLATFORM MAY CONTAIN CONTENT, INFORMATION, PRODUCTS, OR SERVICES PROVIDED BY THIRD PARTIES, INCLUDING BUT NOT LIMITED TO SUPPLIERS, SUPPLIERS, LOGISTICS PROVIDERS, PAYMENT PROCESSORS, ADVERTISING NETWORKS, AND OTHER THIRD PARTIES. 1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES DO NOT ENDORSE, WARRANT, OR GUARANTEE THE ACCURACY, RELIABILITY, QUALITY, OR SUITABILITY OF SUCH THIRD-PARTY CONTENT, INFORMATION, PRODUCTS, OR SERVICES.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES ARE NOT RESPONSIBLE FOR, AND SHALL NOT BE LIABLE FOR, ANY THIRD-PARTY CONTENT, INFORMATION, PRODUCTS, OR SERVICES, OR FOR ANY LOSS OR DAMAGE ARISING FROM OR IN CONNECTION WITH YOUR USE OF OR RELIANCE ON SUCH THIRD-PARTY CONTENT, INFORMATION, PRODUCTS, OR SERVICES.

YOUR INTERACTIONS WITH THIRD PARTIES, INCLUDING BUT NOT LIMITED TO SUPPLIERS, SUPPLIERS, LOGISTICS PROVIDERS, AND PAYMENT PROCESSORS, ARE SOLELY BETWEEN YOU AND SUCH THIRD PARTIES, AND 1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM OR IN CONNECTION WITH SUCH INTERACTIONS.

6. Business and Financial Information

INFORMATION PROVIDED ON THE PLATFORM, INCLUDING BUT NOT LIMITED TO MARKET INFORMATION, PRICING TRENDS, BUSINESS ADVICE, FINANCIAL INFORMATION, AND OTHER BUSINESS-RELATED CONTENT, IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, LEGAL, OR BUSINESS ADVICE.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES ARE NOT FINANCIAL ADVISORS, INVESTMENT ADVISORS, TAX ADVISORS, LEGAL ADVISORS, OR BUSINESS CONSULTANTS, AND NO INFORMATION PROVIDED ON THE PLATFORM SHOULD BE CONSTRUED AS SUCH ADVICE.

YOU SHOULD SEEK PROFESSIONAL ADVICE FROM QUALIFIED ADVISORS, INCLUDING BUT NOT LIMITED TO FINANCIAL ADVISORS, INVESTMENT ADVISORS, TAX ADVISORS, LEGAL ADVISORS, AND BUSINESS CONSULTANTS, BEFORE MAKING ANY FINANCIAL, INVESTMENT, TAX, LEGAL, OR BUSINESS DECISIONS.

MARKET PRICES, TRENDS, AND INFORMATION ARE FOR REFERENCE ONLY AND ARE NOT GUARANTEED TO BE ACCURATE, CURRENT, OR COMPLETE. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS, AND 1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM RELIANCE ON MARKET INFORMATION OR PRICING TRENDS.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL 1NGA BUSINESS OR THE 1NGA BUSINESS PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO: (A) LOSS OF PROFITS, REVENUE, DATA, OR USE; (B) LOSS OF BUSINESS OPPORTUNITIES OR GOODWILL; (C) BUSINESS INTERRUPTION; (D) LOSS OF REPUTATION; (E) COST OF SUBSTITUTE PRODUCTS OR SERVICES; (F) PERSONAL INJURY OR PROPERTY DAMAGE; (G) EMOTIONAL DISTRESS; OR (H) ANY OTHER DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF 1NGA BUSINESS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF 1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES FOR ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, THE PLATFORM, OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT PAID BY YOU TO 1NGA BUSINESS IN THE TWELVE (12) MONTHS PRECEDING THE DATE OF THE CLAIM; OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS UNDER APPLICABLE LAW, INCLUDING BUT NOT LIMITED TO STATUTORY CONSUMER RIGHTS.

8. Product Quality and Suitability

1NGA BUSINESS DOES NOT MANUFACTURE, PRODUCE, OR DIRECTLY SUPPLY PRODUCTS, AND PRODUCT QUALITY, SUITABILITY, AND CONFORMITY ARE THE SOLE RESPONSIBILITY OF SUPPLIERS. 1NGA BUSINESS FACILITATES TRANSACTIONS BETWEEN BUSINESS USERS AND SUPPLIERS BUT DOES NOT GUARANTEE, WARRANT, OR ASSUME RESPONSIBILITY FOR PRODUCT QUALITY, SUITABILITY, SAFETY, OR CONFORMITY.

YOU ACKNOWLEDGE THAT: (A) YOU ARE RESPONSIBLE FOR VERIFYING PRODUCT QUALITY, SUITABILITY, AND CONFORMITY BEFORE PURCHASE; (B) YOU SHOULD CONDUCT DUE DILIGENCE ON SUPPLIERS AND PRODUCTS; (C) YOU SHOULD OBTAIN SAMPLES OR INSPECT PRODUCTS BEFORE PLACING LARGE ORDERS; (D) PRODUCT QUALITY MAY VARY BETWEEN SUPPLIERS AND PRODUCT BATCHES; AND (E) 1NGA BUSINESS IS NOT RESPONSIBLE FOR PRODUCT QUALITY ISSUES.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM PRODUCT QUALITY ISSUES, DEFECTS, OR NON-CONFORMITY, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, BUSINESS INTERRUPTION, OR OTHER CONSEQUENTIAL DAMAGES.

9. Delivery and Logistics

DELIVERY TIMES, METHODS, AND COSTS ARE DETERMINED BY SUPPLIERS AND LOGISTICS PROVIDERS, AND 1NGA BUSINESS DOES NOT GUARANTEE OR WARRANT DELIVERY TIMES, METHODS, OR COSTS. DELIVERY TIMES PROVIDED ON THE PLATFORM ARE ESTIMATES ONLY AND ARE NOT GUARANTEED.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR: (A) DELAYS IN DELIVERY CAUSED BY THIRD-PARTY LOGISTICS PROVIDERS, CARRIERS, CUSTOMS AUTHORITIES, OR OTHER THIRD PARTIES; (B) DELAYS CAUSED BY FORCE MAJEURE EVENTS, INCLUDING BUT NOT LIMITED TO NATURAL DISASTERS, WAR, TERRORISM, GOVERNMENT ACTIONS, OR PANDEMICS; (C) DELAYS CAUSED BY INCORRECT OR INCOMPLETE DELIVERY ADDRESS INFORMATION; (D) LOSS OR DAMAGE TO PRODUCTS DURING SHIPPING OR DELIVERY; OR (E) OTHER DELIVERY-RELATED ISSUES BEYOND 1NGA BUSINESS'S REASONABLE CONTROL.

YOU ACKNOWLEDGE THAT: (A) YOU ARE RESPONSIBLE FOR PROVIDING ACCURATE AND COMPLETE DELIVERY ADDRESS INFORMATION; (B) YOU ARE RESPONSIBLE FOR COMPLIANCE WITH IMPORT AND EXPORT LAWS AND REGULATIONS; (C) YOU ARE RESPONSIBLE FOR PAYING ALL CUSTOMS DUTIES, TAXES, AND FEES; AND (D) RISK OF LOSS AND TITLE TO PRODUCTS TRANSFER TO YOU UPON DELIVERY.

10. Payment Processing

PAYMENT PROCESSING IS HANDLED BY THIRD-PARTY PAYMENT PROCESSORS AND FINANCIAL INSTITUTIONS, AND 1NGA BUSINESS DOES NOT PROCESS PAYMENTS DIRECTLY. 1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR: (A) PAYMENT PROCESSING ERRORS OR DELAYS CAUSED BY PAYMENT PROCESSORS OR FINANCIAL INSTITUTIONS; (B) PAYMENT FAILURES OR DECLINES; (C) CURRENCY CONVERSION ERRORS OR EXCHANGE RATE FLUCTUATIONS; (D) FRAUDULENT OR UNAUTHORIZED TRANSACTIONS; OR (E) OTHER PAYMENT-RELATED ISSUES BEYOND 1NGA BUSINESS'S REASONABLE CONTROL.

YOU ACKNOWLEDGE THAT: (A) YOU ARE RESPONSIBLE FOR ENSURING THAT YOUR PAYMENT INFORMATION IS ACCURATE AND COMPLETE; (B) YOU ARE RESPONSIBLE FOR MAINTAINING THE SECURITY OF YOUR PAYMENT INFORMATION; (C) PAYMENT PROCESSING IS SUBJECT TO THE POLICIES AND PROCEDURES of PAYMENT PROCESSORS AND FINANCIAL INSTITUTIONS; AND (D) 1NGA BUSINESS IS NOT RESPONSIBLE FOR PAYMENT PROCESSING ISSUES.

11. Intellectual Property

1NGA BUSINESS STRIVES TO ENSURE THAT ALL CONTENT ON THE PLATFORM DOES NOT INFRINGE UPON INTELLECTUAL PROPERTY RIGHTS, BUT 1NGA BUSINESS DOES NOT GUARANTEE OR WARRANT THAT CONTENT IS FREE FROM INTELLECTUAL PROPERTY INFRINGEMENT. CONTENT MAY CONTAIN ERRORS, OMISSIONS, OR INACCURACIES, AND MAY BE UPDATED OR REMOVED WITHOUT NOTICE.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY INTELLECTUAL PROPERTY INFRINGEMENT CLAIMS ARISING FROM CONTENT PROVIDED BY SUPPLIERS, USERS, OR OTHER THIRD PARTIES, OR FOR ANY LOSS OR DAMAGE ARISING FROM SUCH CLAIMS.

IF YOU BELIEVE THAT YOUR INTELLECTUAL PROPERTY RIGHTS HAVE BEEN INFRINGED, YOU SHOULD CONTACT 1NGA BUSINESS IMMEDIATELY IN ACCORDANCE WITH APPLICABLE LAW AND 1NGA BUSINESS'S INTELLECTUAL PROPERTY POLICY. 1NGA BUSINESS WILL INVESTIGATE SUCH CLAIMS AND TAKE APPROPRIATE ACTION IN ACCORDANCE WITH APPLICABLE LAW.

12. Links to Third-Party Websites

THE PLATFORM MAY CONTAIN LINKS TO THIRD-PARTY WEBSITES, SERVICES, OR APPLICATIONS THAT ARE NOT OWNED OR CONTROLLED BY 1NGA BUSINESS. 1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES ARE NOT RESPONSIBLE FOR THE CONTENT, PRIVACY PRACTICES, OR TERMS OF SERVICE OF SUCH THIRD-PARTY WEBSITES, SERVICES, OR APPLICATIONS.

LINKS TO THIRD-PARTY WEBSITES, SERVICES, OR APPLICATIONS DO NOT CONSTITUTE AN ENDORSEMENT, SPONSORSHIP, OR RECOMMENDATION BY 1NGA BUSINESS, AND 1NGA BUSINESS SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR USE OF OR RELIANCE ON SUCH THIRD-PARTY WEBSITES, SERVICES, OR APPLICATIONS.

YOU ACKNOWLEDGE THAT YOU ACCESS THIRD-PARTY WEBSITES, SERVICES, OR APPLICATIONS AT YOUR OWN RISK AND THAT YOU SHOULD REVIEW THE TERMS OF SERVICE AND PRIVACY POLICIES OF SUCH THIRD PARTIES BEFORE PROVIDING ANY INFORMATION OR ENGAGING IN ANY TRANSACTIONS.

13. User-Generated Content

USER-GENERATED CONTENT, INCLUDING BUT NOT LIMITED TO REVIEWS, RATINGS, COMMENTS, PHOTOGRAPHS, AND VIDEOS, DOES NOT REFLECT THE VIEWS, OPINIONS, OR ENDORSEMENTS OF 1NGA BUSINESS OR THE 1NGA BUSINESS PARTIES. 1NGA BUSINESS DOES NOT ENDORSE, WARRANT, OR GUARANTEE THE ACCURACY, RELIABILITY, OR QUALITY OF USER-GENERATED CONTENT.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM USER-GENERATED CONTENT, INCLUDING BUT NOT LIMITED TO DEFAMATORY, LIBELOUS, OR OTHERWISE OBJECTIONABLE CONTENT.

1NGA BUSINESS RESERVES THE RIGHT, BUT IS NOT OBLIGATED, TO MONITOR, REVIEW, EDIT, MODIFY, OR REMOVE USER-GENERATED CONTENT AT ANY TIME AND FOR ANY REASON, AND 1NGA BUSINESS SHALL NOT BE LIABLE FOR ANY FAILURE TO MONITOR, REVIEW, EDIT, MODIFY, OR REMOVE USER-GENERATED CONTENT.

14. Regulatory Compliance

YOU ARE SOLELY RESPONSIBLE FOR COMPLIANCE WITH ALL APPLICABLE LAWS, REGULATIONS, AND INDUSTRY STANDARDS IN YOUR JURISDICTION AND IN ALL JURISDICTIONS WHERE YOU CONDUCT BUSINESS, INCLUDING BUT NOT LIMITED TO: (A) INTERNATIONAL TRADE LAWS AND REGULATIONS; (B) EXPORT AND IMPORT CONTROL LAWS; (C) CUSTOMS LAWS AND REGULATIONS; (D) TAX LAWS AND REGULATIONS; (E) DATA PROTECTION AND PRIVACY LAWS; (F) CONSUMER PROTECTION LAWS; (G) PRODUCT SAFETY AND LABELING REQUIREMENTS; (H) ANTI-CORRUPTION AND ANTI-BRIBERY LAWS; (I) ANTI-MONEY LAUNDERING LAWS; (J) SANCTIONS AND EMBARGO LAWS; AND (K) ANY OTHER APPLICABLE LAWS OR REGULATIONS.

1NGA BUSINESS DOES NOT PROVIDE LEGAL, CUSTOMS, TAX, OR REGULATORY ADVICE, AND YOU SHOULD CONSULT WITH QUALIFIED ADVISORS, INCLUDING BUT NOT LIMITED TO LEGAL ADVISORS, CUSTOMS BROKERS, TAX ADVISORS, AND REGULATORY COMPLIANCE SPECIALISTS, TO ENSURE COMPLIANCE WITH ALL APPLICABLE REQUIREMENTS.

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH APPLICABLE LAWS, REGULATIONS, OR INDUSTRY STANDARDS, INCLUDING BUT NOT LIMITED TO FINES, PENALTIES, LEGAL FEES, OR OTHER COSTS.

15. Force Majeure

1NGA BUSINESS AND THE 1NGA BUSINESS PARTIES SHALL NOT BE LIABLE FOR ANY FAILURE OR DELAY IN PERFORMANCE UNDER THESE TERMS OR IN CONNECTION WITH THE PLATFORM DUE TO CIRCUMSTANCES BEYOND THEIR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO: (A) ACTS OF GOD, NATURAL DISASTERS, OR SEVERE WEATHER CONDITIONS; (B) WAR, TERRORISM, CIVIL UNREST, OR ACTS OF GOVERNMENT; (C) PANDEMICS, EPIDEMICS, OR PUBLIC HEALTH EMERGENCIES; (D) STRIKES, LABOR DISPUTES, OR WORK STOPPAGES; (E) INTERNET OR TELECOMMUNICATIONS FAILURES OR DISRUPTIONS; (F) POWER OUTAGES OR UTILITY FAILURES; (G) CYBERATTACKS, SECURITY BREACHES, OR DATA BREACHES; (H) SUPPLY CHAIN DISRUPTIONS; (I) CURRENCY FLUCTUATIONS OR ECONOMIC CRISES; OR (J) ANY OTHER CIRCUMSTANCES THAT ARE BEYOND 1NGA BUSINESS'S REASONABLE CONTROL AND THAT COULD NOT HAVE BEEN PREVENTED OR MITIGATED THROUGH REASONABLE PRECAUTIONS.

IN THE EVENT OF A FORCE MAJEURE EVENT, 1NGA BUSINESS WILL ENDEAVOR TO MINIMIZE THE IMPACT ON USERS AND TO RESUME NORMAL OPERATIONS AS SOON AS REASONABLY POSSIBLE, BUT 1NGA BUSINESS SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM SUCH FORCE MAJEURE EVENTS.

16. Changes and Updates

1NGA BUSINESS RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO MODIFY, SUSPEND, OR DISCONTINUE THE PLATFORM, OR ANY PORTION THEREOF, AT ANY TIME AND FOR ANY REASON, WITH OR WITHOUT NOTICE. 1NGA BUSINESS MAY ADD, REMOVE, OR MODIFY FEATURES, FUNCTIONALITY, OR CONTENT AT ANY TIME, AND 1NGA BUSINESS IS NOT OBLIGATED TO MAINTAIN SPECIFIC FEATURES OR FUNCTIONALITY.

1NGA BUSINESS MAY UPDATE THIS DISCLAIMER FROM TIME TO TIME TO REFLECT CHANGES IN PRACTICES, LEGAL REQUIREMENTS, OR FOR OTHER REASONS. MATERIAL CHANGES TO THIS DISCLAIMER WILL BE POSTED ON THE PLATFORM WITH AN UPDATED "LAST UPDATED" DATE, AND YOUR CONTINUED USE OF THE PLATFORM FOLLOWING SUCH CHANGES CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES.

17. Jurisdiction-Specific Disclaimers

17.1 South Africa

This Disclaimer is governed by the laws of the Republic of South Africa, and certain disclaimers and limitations may be subject to the Consumer Protection Act, 2008 and other applicable consumer protection laws. Consumer rights under applicable South African law are not affected by this Disclaimer, and consumers may have additional rights that cannot be excluded or limited.

17.2 European Union

If you are located in the European Union, certain disclaimers and limitations may be subject to the Unfair Contract Terms Directive and other applicable consumer protection laws. Consumer rights under applicable European Union law are not affected by this Disclaimer, and consumers may have additional rights that cannot be excluded or limited.

17.3 United States

If you are located in the United States, certain disclaimers and limitations may be subject to state consumer protection laws and the Magnuson-Moss Warranty Act. Consumer rights under applicable United States law are not affected by this Disclaimer, and consumers may have additional rights that cannot be excluded or limited.

17.4 Other Jurisdictions

If you are located in other jurisdictions, local consumer protection laws may apply, and certain disclaimers and limitations may not be enforceable. You should consult with legal advisors in your jurisdiction to understand your rights and obligations.

18. Contact Information

For questions, concerns, or requests regarding this Disclaimer, please contact 1nga Business at:

Email: business@1nga.com

Address: 16A Katalina Avenue, Rhodesfield Kempton Park

Phone: 0710906662

Business Hours: 9h00 to 17h00

19. Acknowledgment

BY USING THE PLATFORM, YOU ACKNOWLEDGE THAT: (A) YOU HAVE READ AND UNDERSTOOD THIS DISCLAIMER; (B) YOU ACCEPT THE DISCLAIMERS, LIMITATIONS, AND EXCLUSIONS SET FORTH IN THIS DISCLAIMER; (C) YOU USE THE PLATFORM AT YOUR OWN RISK; (D) YOU WILL NOT HOLD 1NGA BUSINESS OR THE 1NGA BUSINESS PARTIES LIABLE BEYOND THE LIMITATIONS SET FORTH IN THIS DISCLAIMER, EXCEPT AS MAY BE REQUIRED BY APPLICABLE LAW; AND (E) YOU UNDERSTAND THAT SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY, AND ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.