Terms and Conditions

These General Terms and Conditions ("Terms") govern all access to and use of the Devbox platform ("Platform") operated by Nsano Ltd ("Nsano," "we," "us," or "our"), a company incorporated under the laws of the Republic of Ghana and duly licensed by the Bank of Ghana as an Enhanced Payment Service Provider.

Devbox is Nsano's developer and business portal through which Nsano makes its suite of payment, collection, disbursement, merchant enablement, and related digital financial services available to businesses, developers, government entities, and non-governmental organizations across Africa.

By registering an Account, clicking "I Agree," or otherwise accessing or using the Platform, you ("User," "you," or "your") confirm that you have read, understood, and agreed to be bound by these Terms in their entirety.

Where the User is a corporate entity, the individual completing registration represents and warrants that they have the authority to bind that entity to these Terms.

1.1Definitions

In these Terms, the following words and expressions have the meanings set out below. Defined terms appear in title case throughout the document.

1.2Interpretation

1.2.1Words in the singular include the plural and vice versa.

1.2.2A reference to a statute or statutory provision is a reference to it as amended, extended, or re-enacted from time to time.

1.2.3Headings are for convenience only and do not affect interpretation.

1.2.4The words "include," "includes," and "including" shall be read as if followed by "without limitation."

1.2.5A reference to "writing" or "written" includes email unless the context requires otherwise.

1.2.6In the event of any conflict or inconsistency between these Terms and the API Terms or any Master Services Agreement accepted by the User before Go-Live, the API Terms and such Master Services Agreement shall prevail to the extent of the inconsistency in respect of production access and use of the Services and all production Transaction mechanics (including fees, deductions, settlement, reversals, refunds, chargebacks, reserves/holdbacks, netting/set-off, reconciliation, dispute windows, and rail/scheme/partner requirements), including Transaction Limits, unless otherwise expressly stated.

1.2.7In the event of any conflict between these Terms and any Schedule, the Schedule shall prevail in respect of the specific subject matter of that Schedule.

2.1Acceptance of Terms

2.1.1These Terms constitute a binding legal agreement between the User and Nsano. By registering an Account or accessing the Platform, the User irrevocably accepts these Terms and agrees to comply with them in full.

2.1.2Nsano reserves the right to amend these Terms at any time. Amended Terms may be published on the Platform and notified to Users by email or in-platform notification. Continued use of the Platform following the effective date of any amendment constitutes the User's acceptance of the amended Terms.

2.1.3Nsano shall provide not less than thirty (30) days prior written notice of any material amendment to these Terms. Amendments required by Applicable Law, Regulatory Authority direction, security needs, or third-party network, scheme, scheme or partner requirements may take immediately upon notice (or, where prior notice is not legally or operationally practicable, with notice provided as soon as reasonably practicable thereafter)

2.2Eligibility

2.2.1The Platform is available only to businesses and individuals acting in a commercial or professional capacity.

2.2.2By registering an Account, the User represents and warrants that:

2.2.3Nsano may request documentation at any time to verify a User's eligibility. Failure to provide requested documentation within a reasonable period may result in suspension or termination of the User's Account.

3.1Registration

3.1.1To access the Services, Users must register an Account by providing accurate, complete, and current information as required by the registration process, including but not limited to: legal name of the entity, registered business address, contact details, nature of business, applicable regulatory licenses or permits, and such other information as Nsano may require from time to time.

3.1.3The User shall maintain and promptly update their Account information to ensure it remains accurate, complete, and current at all times. Failure to do so constitutes a breach of these Terms.

3.1.4The User is solely responsible for maintaining the confidentiality of Account credentials, including passwords, API keys, and access tokens. The User must notify Nsano immediately at helpdesk@nsano.com upon becoming aware of any actual or suspected unauthorized access to or use of their Account.

3.1.5The User shall be solely responsible for all activities conducted through its Account, whether or not authorized by it.

3.1.6Nsano reserves the right to refuse any Account registration at its sole discretion, without obligation to provide reasons.

3.2KYC/KYB Verification

3.2.1As a condition of Account activation and continued access to the Services, the User is required to satisfactorily complete Nsano's KYC/KYB verification process, which may include submission of: certificate of incorporation or equivalent constitutional documents, proof of registered address, identification documents of beneficial owners and authorized signatories, applicable regulatory licenses, and such other documentation as Nsano may require from time to time.

3.2.2The User consents to Nsano conducting identity, regulatory compliance, and reputational due diligence checks as Nsano considers necessary or appropriate, including searches of applicable sanctions, Politically Exposed Persons (PEP), and adverse media databases.

3.2.3Nsano reserves the right to conduct periodic re-verification of Users at any time, including where required by Applicable Law, Regulatory Authority direction, or where Nsano identifies a material change in the User's risk profile.

3.2.4Failure to complete KYC/KYB verification to Nsano's satisfaction, or the provision of false, misleading, or materially incomplete information in connection therewith, will result in rejection or suspension of the User's Account.

3.2.5Nsano may report suspicious activities, transactions, or Users to relevant Regulatory Authorities, including the Financial Intelligence Centre, where required by Applicable Law or where Nsano considers it appropriate in the exercise of its compliance obligations.

4.1Grant of Access

4.1.1Subject to the User's compliance with these Terms, Nsano grants the User a limited, non-exclusive, non-transferable, revocable right to access and use the Platform and Services for the User's internal business purposes during the term of these Terms.

4.1.2This right of access does not include: (a) the right to sublicense or resell access to the Platform or Services to any third party without Nsano's prior written consent; (b) the right to use the Platform to develop a service that competes directly with the Platform; or (c) any right in or to Nsano's underlying technology, infrastructure, or Intellectual Property Rights.

4.2Stage 1 — Sandbox Environment

4.2.1Upon successful Account registration, every User is automatically granted access to the Sandbox environment. The Sandbox is a non-production, isolated testing environment. No real monetary transactions are processed within it, and no Sandbox output or simulation has any legal or financial effect.

4.2.2Access to and use of the Sandbox is governed by Schedule 2 (Sandbox Terms) to these Terms, which forms part of these Terms and is binding on all Users. By accessing the Sandbox, the User agrees to be bound by Schedule 2 in addition to these Terms.

4.2.3The Sandbox environment is unrestricted as to time and transaction volume. A User may remain in the Sandbox for as long as necessary and conduct as many test transactions as required to complete their integration and testing. There are no transaction limits and no expiry period applicable to Sandbox access.

4.2.4Sandbox credentials must not be used in any production or live environment under any circumstances. Any attempt to use Sandbox credentials to initiate or process live Transactions shall constitute a material breach of these Terms.

4.2.5To progress beyond the Sandbox, the User must submit its KYC/KYB documentation in accordance with Clause 3.2. Submission of KYC/KYB documentation triggers the transition to Stage 2 (Pre-Production). A User may submit KYC/KYB documentation and progress to Pre-Production at any time.

4.2.6Access to the Sandbox does not constitute a commitment by Nsano to grant Go-Live approval and does not create any right or legitimate expectation of production access.

4.2.7The terms governing the transition from Sandbox access to production access, including Go-Live requirements and the credential transition process, are set out in Clause 11 of Schedule 2.

4.3Stage 2 — Pre-Production (Restricted Live)

4.3.1Pre-Production access is granted to a User following submission of KYC/KYB documentation and subject to Nsano's compliance review. Pre-Production is a restricted live environment where real monetary Transactions are processed during this stage, but the User operates under the restrictions set out in this Clause 4.3.

4.3.2Compliance review and 72-hour hold: Following submission of KYC/KYB documentation, the User will enter a mandatory compliance review period of not less than seventy-two (72) hours before any live Transactions may be processed. During this period, Nsano's compliance team will review the User's documentation and onboarding information. Nsano reserves the right to extend the compliance review period where additional information or verification is required.

4.3.3Compliance review outcomes: Following the 72-hour review window, one of three outcomes will occur:

(a)Approval — Nsano's compliance team approves the User. The User is granted Restricted Live access and may begin processing live Transactions subject to the limits in Clause 4.3.4;

(b)Rejection — Nsano notifies the User of the rejection and the reasons therefor. The User must address the identified issues and resubmit before reapplying; or

(c)Request for additional information — Nsano notifies the User that further documentation or clarification is required. The User remains in Pre-Production pending resolution of the outstanding requirements.

Where Nsano's compliance team does not issue a decision within 72 hours of receiving complete documentation, the User shall remain in Pre-Production pending clearance, for the duration of the 60-day Pre-Production period.

4.3.4Pre-Production restrictions: Upon compliance approval, the User may process live Transactions subject to the following restrictions:

(a)Daily transaction value limit: The User may not process more than GHS 5,000 (or the equivalent in local currency in the applicable Market, as determined by Nsano) in aggregate Transaction value per day;

(b)Per-transaction limit: No single Transaction may exceed GHS 100 (or the equivalent in local currency in the applicable Market, as determined by Nsano) in value; and

(c)Whitelist: The User may process Transactions only to or from a maximum of three (3) whitelisted phone numbers or account identifiers, as registered by the User through the Platform. The User may update its whitelist by submitting a written request to Nsano, subject to Nsano's approval.

4.3.5Pre-Production duration and automatic deactivation: Pre-Production access is granted for a maximum period of sixty (60) days from the date of compliance approval. Where a User has not progressed to Full Production within sixty (60) days, the User's Pre-Production API credentials will be automatically deactivated. Upon deactivation:

(a)the User's access reverts to the Sandbox environment automatically;

(b)all Pre-Production live access and Services revert to Sandbox level and no live Transactions may be processed;

(c)the User's Account information, KYC/KYB documentation, and onboarding data collected during Pre-Production are retained by Nsano — the User does not restart the onboarding process from the beginning; and

(d)the User may request reactivation of Pre-Production access at any time by contacting Nsano at devbox@nsano.com. Nsano will use reasonable endeavors to restore Pre-Production access promptly, subject to any outstanding compliance requirements being satisfied.

4.3.6Any attempt to circumvent the Pre-Production restrictions including by splitting Transactions, registering multiple Accounts, or using third-party accounts to bypass the whitelist shall constitute a material breach of these Terms and may result in immediate termination of the User's Account.

4.3.7Nsano shall not be liable for any loss arising from the User's inability to process Transactions above the Pre-Production limits during this stage.

4.4Stage 3 — Full Production (Go-Live)

4.4.1Full Production access is granted at Nsano's sole discretion following Nsano's compliance team's approval of the User's Account, based on completion of KYC/KYB, AML/CFT screening, technical review, risk assessment, acceptance of the API Terms and the Master Services Agreement, and any additional requirements Nsano reasonably notifies to the User. There is no minimum period a User must spend in Pre-Production before being eligible for Full Production. Access is determined solely by the outcome of the compliance review and the User's acceptance of the API Terms and the Master Services Agreement. Upon Full Production approval:

(a)the daily and per-transaction limits set out in Clause 4.3.4 are lifted immediately;

(b)the whitelist restriction set out in Clause 4.3.4(c) is removed; and

(c)the User's Transaction Limits are governed by the agreed commercial terms in the Master Services Agreement.

4.4.2Nsano reserves the right to revert a User from Full Production to Pre-Production restrictions at any time where Nsano identifies a fraud risk, compliance concern, or unusual transaction pattern in connection with the User's Account. The User shall be notified of any such reversion as soon as practicable.

4.5Platform Availability

4.5.1Nsano shall use commercially reasonable efforts to maintain the availability of the Platform. The Platform may be subject to periods of unavailability due to scheduled maintenance, emergency maintenance, system upgrades, or events beyond Nsano's reasonable control. Nsano shall use reasonable endeavors to provide advance notice of planned maintenance windows where practicable.

4.5.2Service availability commitments, where applicable, are set out in the Master Services Agreement. Nsano shall not be liable for losses arising from Platform unavailability except to the extent expressly provided in the Master Services Agreement.

5.1Service Suite

The Platform currently makes available the following categories of Services. The specific Services and service offerings available may vary by jurisdiction, based on the applicable regulatory requirements, market considerations, and services approved for offering in each jurisdiction. This list is illustrative and not exhaustive:

5.2Additional and Modified Services

5.2.1Nsano may from time to time introduce new Services or modify existing Services. New and modified Services shall be subject to these Terms and any additional terms notified to Users at the time of introduction or modification.

5.2.2Nsano reserves the right to modify, suspend, or discontinue any Service or Platform feature at any time. Where practicable, Nsano will provide Users with not less than thirty (30) days' prior written notice of any material modification or discontinuation. Shorter notice may apply where required by Applicable Law, Regulatory Authority direction, or changes by third-party network partners outside Nsano's control.

5.2.3Nsano shall not be liable for any modification, suspension, or discontinuation of Services made in accordance with these Terms.

5.3Third-Party Networks

5.3.1Certain Services depend on the availability and performance of third-party networks and infrastructure, including telecommunications networks, card schemes (including Visa and Mastercard), mobile money platforms, and banking partners. Nsano does not control such third-party networks and shall not be responsible for any failure, delay, or degradation of Services attributable to a third-party network provider.

5.3.2Third-party network providers may from time to time amend their rules, fees, or operational requirements in ways that affect the Services. Nsano shall use reasonable endeavors to notify Users of material changes where it has advance knowledge of such changes.

6.1General Obligations

The User agrees and undertakes at all times to:

6.1.1use the Platform and Services only for lawful purposes and in accordance with these Terms, the Master Services Agreement, and Applicable Law;

6.1.2obtain and maintain all licenses, permits, regulatory approvals, and authorizations required under Applicable Law in connection with the User's business and its use of the Services;

6.1.3ensure that all information provided to Nsano whether during Account registration, KYC/KYB verification, or otherwise is accurate, complete, and not misleading at all times;

6.1.4comply with all Applicable Laws relating to anti-money laundering, counter-terrorist financing, and sanctions, including maintaining its own KYC procedures in respect of its End Users;

6.1.5implement and maintain appropriate technical and organizational security measures to protect the Platform, API credentials, and User Content;

6.1.6ensure that End Users whose transactions are processed through the Platform have provided all necessary authorizations required under Applicable Law, including prior consent to payment deductions in the case of automated or recurring payment services;

6.1.7notify Nsano promptly of any actual or suspected security breach, fraud, unauthorised access, or misuse of the Platform or Services; and

6.1.8cooperate fully with any investigation or inquiry by Nsano or a Regulatory Authority in connection with the User's use of the Services.

6.2Specific Prohibitions

The User shall not, and shall not attempt to, or permit any third party to:

6.2.1use the Platform or Services for or in connection with any Prohibited Business (see Clause 7 and Schedule 1);

6.2.2reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, underlying algorithms, or architecture of the Platform, APIs, or Fusion infrastructure;

6.2.3circumvent, bypass, or disable any security, technical, or access controls of the Platform;

6.2.4interfere with, disrupt, or compromise the integrity, security, or proper operation of the Platform or its associated networks and systems;

6.2.5upload, transmit, or introduce any malicious code, malware, ransomware, or other harmful software into the Platform;

6.2.6gain or attempt to gain unauthorized access to any part of the Platform, or to the accounts or data of any other User;

6.2.7misrepresent the User's identity, credentials, or affiliations, or provide any false, inaccurate, or misleading information to Nsano;

6.2.8use the Platform to process transactions on behalf of any third party as a payment aggregator or sub-merchant manager without Nsano's prior written consent;

6.2.9share or disclose API credentials, including production and Sandbox keys, with any unauthorized third party; or

6.2.10use the Platform in any manner likely to damage Nsano's reputation, commercial standing, or regulatory alignment.

7.1Prohibition

7.1.1Nsano strictly prohibits the use of the Platform and Services by or in connection with the business types and activities set out in Schedule 1 (Prohibited Business Types), which is incorporated into and forms part of these Terms.

7.1.2By registering an Account and accepting these Terms, the User represents and warrants that neither it nor any of its End Users is engaged in a Prohibited Business. This representation is ongoing, and the User shall immediately notify Nsano if it becomes aware that it or any of its End Users has become engaged in a Prohibited Business.

7.1.3Where Nsano determines, in its sole discretion, that a User is engaged in or facilitating a Prohibited Business, Nsano reserves the right to: (a) immediately suspend the User's Account and access to the Services without prior notice; (b) terminate these Terms and the User's Account in accordance with Clause 15; (c) withhold, delay, reserve and set off any amounts due to the User for as long as reasonably necessary to investigate or resolve suspected fraud, chargebacks, reversals, disputes, breaches, compliance concerns or amounts owed by the User, subject to Applicable Law and the API Terms; (d) report the matter to the relevant Regulatory Authority or law enforcement agency; and (e) take such further action as Nsano considers necessary in the circumstances.

7.2Facilitation

7.2.1A User that knowingly enables or facilitates, or that fails to take reasonable steps to prevent, the use of the Platform by an End User engaged in a Prohibited Business shall itself be treated as engaged in that Prohibited Business for the purposes of these Terms.

7.3Updates to Schedule 1

7.3.1Nsano reserves the right to update Schedule 1 at any time to reflect changes in Applicable Law, regulatory guidance, card scheme rules, third-party network or partner requirements, security needs, or Nsano's risk appetite. Users will be notified of material updates with not less than fourteen (14) days' prior written notice, except where an immediate update is required by Applicable Law, Regulatory Authority direction, security needs, or third-party network, or partner requirements.

8.1Nsano shall conduct such compliance reviews, due diligence checks, KYC/KYB verification, AML and counter-terrorist financing (CTF) screening, sanctions screening, and other verification activities as it considers necessary or as required by Applicable Law, in connection with the User's Account, business activities, and Transactions processed through the Platform.

8.2The User shall promptly provide any information, documentation, or assistance reasonably requested by Nsano in connection with such compliance activities. Failure to provide requested information within a reasonable period may result in suspension or termination of the User's Account.

8.3The User acknowledges that Nsano is subject to regulatory oversight by the Bank of Ghana and other Regulatory Authorities, and that Nsano's compliance obligations may from time to time require it to take actions affecting the User's access to the Services, including suspension, restriction, or termination of an Account, without prior notice and without liability to the User.

8.4Nsano reserves the right to file reports with and disclose information about a User or its transactions to, any Regulatory Authority, law enforcement agency, or financial intelligence unit where required by Applicable Law or where Nsano determines it is appropriate in the exercise of its compliance obligations.

9.1Fees

9.1.1The fees applicable to the Services are as set out in the fee schedule agreed between the parties at onboarding or Go-Live, or as otherwise communicated to the User in writing by Nsano from time to time. Nsano reserves the right to revise its fees upon not less than thirty (30) days' prior written notice to the User.

9.1.2Unless otherwise expressly stated, all fees are exclusive of applicable taxes, levies, withholding taxes, and duties, which shall be payable by the User in addition to the stated fees.

9.1.3Sandbox access is currently provided free of charge. Nsano reserves the right to introduce fees for Sandbox access upon not less than thirty (30) days' prior written notice to Users.

9.2Charges and Payment

9.2.1The User shall pay all applicable fees and charges for the Services in accordance with the applicable fee schedule displayed on the Platform or otherwise communicated to the User. Unless otherwise agreed in writing, charges shall be applied and deducted in real time as the relevant Services are used or transactions are processed.

9.2.2Where applicable, transaction fees and other charges may be deducted directly from the relevant transaction proceeds, wallet balance, account balance, or settlement amount. The applicable charges and deductions will be reflected in the User’s transaction records, statements, or other reporting made available through the Platform.

9.2.3The User is responsible for ensuring that sufficient funds or transaction proceeds are available to meet all applicable charges. Nsano may decline, suspend, or delay the processing of a transaction or provision of the relevant Services where there are insufficient funds to cover the applicable charges, subject to Applicable Law.

9.2.4All charges shall be payable in the currency specified in the applicable fee schedule or otherwise communicated by Nsano. Where the User is required by Applicable Law to withhold or deduct any tax or other amount from a payment or charge due to Nsano, the User shall promptly notify Nsano and provide all relevant documentation reasonably required to enable Nsano to claim any available exemption, relief, or reduction.

9.2.5The User acknowledges and agrees that acceptance of these Terms constitutes acceptance of the applicable charging and deduction mechanisms described in this Section 9.2.

9.3Disputed Charges

9.4.1In the event that the User disputes any charge, it must notify Nsano in writing at [insert relevant email address] within fourteen (14) days becoming aware of such discrepancy, setting out in reasonable detail the nature of the dispute and the amount in question. Failure to dispute a charge within this period will be deemed acceptance of the charge.

9.4.2The parties will use reasonable endeavors to resolve any disputed charges within thirty (30) days of the dispute being raised. Undisputed amounts remain payable in full, notwithstanding any ongoing dispute.

10.1Nsano's Intellectual Property

10.1.1All Intellectual Property Rights in and to the Platform, APIs, Fusion infrastructure, software, documentation, trademarks, trade names, logos, designs, and all related technology and materials are and shall remain the exclusive property of Nsano or its licensors. Nothing in these Terms transfers any Intellectual Property Rights to the User.

10.1.2The User may not use Nsano's name, logos, trademarks, or branding in any marketing, communications, or public-facing materials without Nsano's prior written consent.

10.2User's Intellectual Property and Data Use

The User retains all Intellectual Property Rights in its own applications, software, User Content, and materials developed independently of the Platform. By using the Platform, the User grants Nsano a limited, non-exclusive, royalty-free license during the term of these Terms to collect, host, process, transmit, store, retain, use, analyze, and disclose User Content, Transaction data, API call logs, integration patterns, error rates, usage metrics, and related information as necessary to provide, maintain, support, secure, improve, and develop the Platform and Services, comply with Applicable Law, conduct audits and compliance reviews, and prevent or address fraud, security incidents, and abuse.

10.3Feedback

In the event the User provides Nsano with feedback, suggestions, or ideas regarding the Platform or Services, the User grants Nsano a perpetual, irrevocable, royalty-free, worldwide license to use such feedback for any purpose without restriction or compensation to the User.

11.1Each party ("Receiving Party") agrees to: (a) keep confidential all Confidential Information received from the other party ("Disclosing Party"); (b) use Confidential Information only for the purposes of performing its obligations or exercising its rights under these Terms; and (c) apply at least the same degree of care to protecting such Confidential Information as it applies to its own confidential information of similar sensitivity, and in any event not less than reasonable care.

11.2The Receiving Party shall not disclose Confidential Information to any third party without the prior written consent of the Disclosing Party, except: (a) to its employees, directors, agents, and professional advisers who have a need to know and are bound by equivalent confidentiality obligations; (b) as required by Applicable Law, a court of competent jurisdiction, or a Regulatory Authority, provided that the Receiving Party gives the Disclosing Party reasonable prior notice of such required disclosure where permitted by law; or (c) as expressly permitted by these Terms.

11.3The obligations under this Clause 11 shall not apply to information that: (a) is or becomes publicly available through no fault of the Receiving Party; (b) was already known to the Receiving Party prior to disclosure, as evidenced by written records; (c) is independently developed by the Receiving Party without reference to the Confidential Information; or (d) is received lawfully from a third party not under any obligation of confidentiality in respect of that information.

11.4Confidentiality obligations under this Clause 11 shall survive the termination or expiry of these Terms for a period of five (5) years.

12.1Compliance with Data Protection Law

12.1.1Each party shall comply with its respective obligations under Applicable Law in connection with the processing of personal data in relation to the Services, including the Data Protection Act, 2012 (Act 843) and any applicable regulations, guidelines, or directives issued by the Data Protection Commission of Ghana or equivalent Regulatory Authority in other jurisdictions where the Platform will be accessed.

12.1.2Nsano's collection, processing, and use of personal data in connection with the Platform is further described in Nsano's Privacy Policy, which is available on the Platform and incorporated into these Terms by reference.

12.2User's Data Processing Obligations

12.2.1The User represents and warrants that it has obtained all necessary consents, authorizations, and legal bases required under Applicable Law for the processing of personal data of its End Users through the Platform, including any consent required for Nsano to process such data as part of providing the Services.

12.2.2The User shall not transmit to Nsano any personal data that the User is not legally authorized to process or share. The User shall ensure that any personal data transmitted to or through the Platform is accurate, up to date, and limited to what is necessary for the stated purpose.

12.2.3The User authorizes Nsano to process the User’s personal data to the extent necessary to provide the Services, comply with Applicable Law, monitor and prevent fraud and security incidents, perform audits and compliance reviews, and retain records as required by Applicable Law. Where required by Applicable Law, the parties shall enter into a separate data processing agreement setting out the terms applicable to such processing of personal data by Nsano on behalf of the User in connection with the Services.

12.3KYC Data

12.3.1Personal data processed through the KYC Service API is subject to heightened obligations under Applicable Law. The User shall implement appropriate safeguards for the handling of identity verification data and shall not retain, repurpose, or use such data for any purpose other than the specific KYC/KYB verification for which it was lawfully obtained.

12.4Data Security and Breach Notification

12.4.1Each party shall implement and maintain appropriate technical and organizational security measures to protect personal data against unauthorized access, loss, destruction, alteration, or disclosure, consistent with the nature and sensitivity of the data and the requirements of Applicable Law.

12.4.2The User shall notify Nsano promptly, and in any event within twenty-four (24) hours, of any actual or suspected personal data breach involving User Content or End User data processed through the Platform, providing sufficient detail to enable Nsano to assess its own regulatory notification obligations.

13.1The User shall implement and maintain appropriate technical and organizational security measures to protect its systems, devices, credentials, API keys, and any information accessed through or associated with the Platform, commensurate with the sensitivity of the information and the nature of the User's business.

13.2Nsano may from time to time impose additional security requirements, controls, or standards on Users and will notify Users of any such requirements with reasonable advance notice where practicable.

13.3The User shall immediately notify Nsano at helpdesk@nsano.com upon becoming aware of any actual or suspected: (a) security or data breach; (b) fraud incident; (c) unauthorized access to the Platform or the User's Account; (d) compromise of API credentials, passwords, or access tokens; or (e) any other incident that may affect the integrity or security of the Platform or other Users.

13.4Where a security incident is attributable to the User's failure to comply with its obligations under this Clause 13 or Clause 6, the User shall bear full liability for any resulting loss or damage and shall indemnify Nsano in accordance with Clause 18.

14.1The Platform interfaces with and relies on third-party networks and service providers, including commercial banks, mobile network operators, mobile money platforms, card schemes (including Visa and Mastercard), telecommunications providers, government identity verification systems, and technology vendors. The availability and performance of certain Services are dependent on such third-party providers.

14.2Nsano does not control third-party providers and makes no representation or warranty in respect of their availability, performance, security, or conduct. Nsano shall not be liable to the User for any loss, delay, failure, or degradation of Services attributable to a third-party provider, including but not limited to: failed or delayed Transactions caused by mobile money network outages; card scheme rule changes that affect Transaction processing; bank partner system failures or settlement delays; and telecommunications network interruptions affecting SMS or USSD Services.

14.3Third-party providers may from time to time amend their rules, fees, or technical requirements in ways that materially affect the Services. Where Nsano receives advance notification of such changes, it shall use reasonable endeavors to notify affected Users in a timely manner.

14.4The Platform may contain links to or integrations with third-party websites, platforms, or services. Nsano does not endorse and is not responsible for the content, privacy practices, or terms of any third-party website or service.

15.1Term

These Terms shall commence on the date the User registers an Account and shall continue until terminated by either party in accordance with this Clause 15.

15.2Suspension

15.2.1Nsano may suspend or restrict the User's access to the Platform or any Service immediately and without prior notice where:

15.2.2Nsano shall not be liable for any loss or damage arising from a suspension undertaken in good faith in accordance with this Clause 15.2. Where practicable and where permitted by Applicable Law, Nsano shall notify the User of a suspension and the reason therefor as soon as reasonably possible following the suspension.

15.3Termination by the User

15.3.1The User may discontinue or deactivate any Product or Service associated with its Account at any time through the functionality made available on the Platform. No separate written notice or termination request is required. Where the Platform does not provide functionality to deactivate a particular Product or Service, the User may simply cease using the relevant Product or Service.

15.3.2Discontinuation or deactivation of a Product or Service shall not affect any fees, charges, liabilities, or other obligations accrued by the User prior to the date of discontinuation or deactivation. The User remains responsible for settling any outstanding amounts due to Nsano.

15.3.3Where the User ceases to use the Platform or signs out of its Account without formally deactivating a Product or Service, this shall not, in itself, constitute termination of these Terms or relieve the User of any obligations that survive such cessation of use.

15.4Termination by Nsano

15.4.1Nsano may terminate these Terms and the User's Account at any time by giving thirty (30) days' written notice to the User.

15.4.2Nsano may terminate these Terms and the User's Account immediately and without prior notice if:

15.5Consequences of Termination

15.5.1Upon termination of these Terms for any reason: (a) all access rights granted to the User under these Terms shall immediately cease; (b) all outstanding fees and amounts due to Nsano shall become immediately payable; (c) the User must immediately cease all use of the Platform and return or securely destroy any Confidential Information of Nsano in its possession; and (d) Nsano shall have the right to withhold, delay, reserve or set off settlement amounts due to the User for as long as reasonably necessary to investigate or resolve suspected fraud, chargebacks, reversals, disputes, breaches, compliance concerns or amounts owed by the User, subject to Applicable Law and the API Terms.

15.5.2Following termination, Nsano shall use commercially reasonable efforts to provide the User with access to its transaction records and settlement data for a period of thirty (30) days, after which Nsano may delete or archive such data in accordance with its data retention policies and Applicable Law.

15.6Survival

15.6.1The following Clauses shall survive the termination or expiry of these Terms for any reason: Clause 1 (Definitions and Interpretation), Clause 9 (Fees and Payment — to the extent of any outstanding amounts), Clause 10 (Intellectual Property), Clause 11 (Confidentiality), Clause 12 (Data Protection and Privacy), Clause 15.5 (Consequences of Termination), Clause 17 (Disclaimers), Clause 18 (Limitation of Liability), Clause 19 (Indemnity), and Clause 21 (Governing Law and Dispute Resolution).

16.1Neither party shall be liable for any failure or delay in performing its obligations under these Terms to the extent that such failure or delay is caused by a Force Majeure Event. A "Force Majeure Event" means any event or circumstance beyond a party's reasonable control, including acts of God, natural disasters, epidemics or pandemics, war, civil unrest, directives from government or a Regulatory Authority, cyberattacks on national infrastructure, widespread telecommunications or power failures, or third-party network failures that are not reasonably foreseeable.

16.2A party claiming Force Majeure must: (a) notify the other party in writing promptly upon becoming aware of the Force Majeure Event, describing its nature and expected duration; and (b) take all reasonable steps to mitigate the impact of the Force Majeure Event and resume performance as soon as reasonably practicable.

16.3If a Force Majeure Event continues for more than sixty (60) consecutive days, either party may terminate these Terms upon fourteen (14) days' written notice to the other party, without liability to either party (save for amounts already accrued and outstanding).

17.1THE PLATFORM AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NSANO EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, UNINTERRUPTED OR ERROR-FREE OPERATION, AND NON-INFRINGEMENT.

17.2Nsano does not warrant that: (a) the Platform will be available at all times or free from errors, defects, or interruptions; (b) any defect or error will be corrected within a specific timeframe; (c) the Platform will meet the User's specific requirements; or (d) the Platform will be compatible with all systems, browsers, devices, or networks used by the User.

17.3The User acknowledges that interruptions to the Platform may occur due to scheduled or emergency maintenance, system upgrades, third-party network failures, telecommunications outages, regulatory requirements, or events beyond Nsano's reasonable control.

18.1Exclusion of Certain Losses

18.1.1To the maximum extent permitted by Applicable Law, Nsano shall not be liable to the User for any: (a) loss of profits, revenue, or anticipated savings; (b) loss of business, contracts, or opportunities; (c) loss of goodwill or reputation; (d) loss or corruption of data or systems; or (e) indirect, special, incidental, consequential, or punitive damages or losses, however arising and whether or not Nsano has been advised of the possibility of such loss or damage.

18.2Aggregate Liability Cap

18.2.1Subject to Clause 18.3, Nsano's total aggregate liability to the User under or in connection with these Terms, whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise, shall not exceed the total fees paid or payable by the User to Nsano in the one (1) calendar month immediately preceding the event or series of related events giving rise to the claim.

18.3Exceptions

18.3.1Nothing in these Terms shall limit or exclude either party's liability for: (a) death or personal injury caused by that party's negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be excluded or limited under Applicable Law.

18.4Third-Party Network Failures

18.4.1Without limiting Clause 14, Nsano shall not be liable for any loss or damage arising from failures, delays, errors, or decisions attributable to third-party networks, card schemes, mobile money platforms, banking partners, or telecommunications providers, including failed Transactions resulting from third-party system downtime or network errors.

19.1The User shall indemnify, defend, and hold harmless Nsano and its Affiliates, directors, officers, employees, agents, and representatives (each an "Indemnified Party") from and against any and all claims, actions, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) ("Losses") arising from or in connection with:

19.2Nsano shall notify the User promptly of any claim for which indemnification may be sought. Nsano may control the defense and settlement of any third-party claim for which indemnification may be sought, and the User shall provide reasonable cooperation in connection with such defense. The User shall not settle any such claim in a manner that admits liability or imposes any obligation on Nsano without Nsano's prior written consent. The User's indemnification obligations shall not apply to the extent that Losses are directly caused by Nsano's own fraud, gross negligence, or wilful misconduct.

20.1Entire Agreement

20.1.1These Terms, together with the API Terms, Schedule 1 (Prohibited Business Types), Schedule 2 (Sandbox Terms), the Privacy Policy, and any other documents incorporated by reference, constitute the entire agreement between the parties with respect to the Platform and Services, and supersede all prior negotiations, representations, understandings, and agreements between the parties relating to the same subject matter.

20.2Amendments

20.2.1Subject to Clause 2.1.2 and Clause 2.1.3, Nsano may amend these Terms at any time . The User's continued use of the Platform following the effective date of any amendment constitutes acceptance of the amended Terms.

20.3Severability

20.3.1If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed from these Terms. The remaining provisions shall continue in full force and effect. The parties shall endeavor to replace any severed provision with a valid provision that, as closely as possible, achieves the commercial intent of the original provision.

20.4Waiver

20.4.1No failure or delay by either party in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy. A waiver of any breach shall not be construed as a waiver of any subsequent breach of the same or any other provision.

20.5Assignment

20.5.1The User may not assign, transfer, novate, or sub-contract any of its rights or obligations under these Terms without Nsano's prior written consent. Any purported assignment without such consent shall be void.

20.5.2Nsano may assign or transfer its rights and obligations under these Terms to any Affiliate, successor entity, or acquirer of all or substantially all of Nsano's business or assets, upon written notice to the User.

20.6Relationship of the Parties

Nothing in these Terms creates or implies any partnership, joint venture, agency, employment, or fiduciary relationship between the parties. Each party is an independent contractor and neither party has authority to bind the other in any manner.

20.7Anti-Bribery and Corruption

20.7.1Each party shall comply with all applicable anti-bribery, anti-corruption, and anti-fraud laws. The User must not offer, give, receive, or agree to receive any bribe, facilitation payment, kickback, or other improper advantage in connection with these Terms, the Services, or any dealings with Nsano or any Regulatory Authority.

20.8Notices

20.8.1All formal notices required or permitted under these Terms shall be in writing and delivered: (a) by email to the address provided by the User at registration (for notices to the User) or to devbox@nsano.com (for notices to Nsano), with notices deemed received on the day of transmission absent a delivery failure notification; or (b) by courier or registered post to the registered address of the relevant party, with notices deemed received on the third Business Day following dispatch.

20.8.2Each party shall be responsible for maintaining current and accurate contact details. Nsano shall not be responsible for any failure of a notice to reach the User as a result of the User's failure to update its contact information.

20.9No Third-Party Rights

These Terms do not confer any rights on any third party. The parties do not intend any provision of these Terms to be enforceable by any person who is not a party to them.

21.1Governing Law

21.1.1These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Republic of Ghana, without regard to its conflict of law principles.

21.2Amicable Resolution

21.2.1In the event of any dispute, controversy, or claim arising out of or in connection with these Terms, the parties shall first attempt to resolve the matter amicably through good-faith negotiations. Either party may initiate the amicable resolution process by delivering a written notice of dispute to the other party. The parties shall have thirty (30) days from the date of such notice, or such longer period as they may agree in writing, to resolve the dispute amicably before referring it to arbitration.

21.3Arbitration

21.3.1If the dispute is not resolved amicably within the period specified in Clause 21.2.1, it shall be finally and conclusively settled by arbitration in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798) of Ghana. The arbitration shall be conducted as follows:

21.4Interim Relief

21.4.1Notwithstanding Clause 21.3, either party may seek urgent injunctive, interim, or conservatory relief from a court of competent jurisdiction in Ghana at any time, without waiving its right to arbitration and without this constituting a breach of the arbitration agreement.

— END OF GENERAL TERMS AND CONDITIONS —

This document is to be read together with Schedule 1 (Prohibited Business Types) and Schedule 2 (Sandbox Terms)

This Schedule sets out the categories of business, industry, activity, and customer type that are prohibited on the Platform. The list reflects Nsano's obligations under Applicable Law (including the Payment Systems and Services Act, 2019 (Act 987), the Anti-Money Laundering Act, 2020 (Act 1044), and Bank of Ghana regulatory directives), applicable card scheme rules, and Nsano's own risk appetite as a licensed Payment Service Provider.

This Schedule applies to:

The following eleven (11) categories of business and activity are prohibited on the Platform. Each category includes a description of the prohibited activity.

3.1Facilitation

A User that knowingly enables, facilitates, or turns a blind eye to the use of the Platform by an End User engaged in a Prohibited Business shall itself be treated as engaged in that Prohibited Business for the purposes of the General Terms and Conditions.

3.2Partial Prohibition

Where a User's business straddles a prohibited and a non-prohibited activity, Nsano will assess the User's eligibility on a case-by-case basis. Users must disclose the full nature of their business activities during onboarding. Nsano reserves the right to restrict a User's access to specific Services while permitting access to others, where a partial prohibition is warranted.

3.3Exceptions

Where this Schedule expressly contemplates a case-by-case exception (see categories 4 and 10), any request for exception must be submitted in writing to Nsano's Compliance team at helpdesk@nsano.com Nsano is under no obligation to grant any exception and may impose additional conditions, enhanced due diligence requirements, or transaction limits as a condition of any approval.

3.4Updates

Nsano reserves the right to update this Schedule at any time in accordance with Clause 6.2 of the General Terms and Conditions. The current version of this Schedule is available on the Platform at all times. Users are responsible for reviewing this Schedule periodically and ensuring their continued compliance.

1.1This Schedule 2 ("Sandbox Terms") sets out the specific terms governing the User's access to and use of the Devbox Sandbox environment ("Sandbox"). It forms part of the Terms.

1.2The Terms apply in full to all Users of the Platform, including Users accessing the Sandbox. This Schedule supplements those terms with provisions specific to the Sandbox environment. Nothing in this Schedule derogates from or limits the User's obligations under the Terms.

1.3Acceptance of the Terms at Account registration constitutes simultaneous acceptance of these Sandbox Terms. Where a User proceeds to Go-Live, these Sandbox Terms continue to apply to any ongoing Sandbox access, alongside the terms of the Masters Services Agreement API/Services Terms and Conditions accepted at Go-Live.

2.1The Sandbox is a non-production, isolated testing environment made available by Nsano to enable Users to evaluate, develop, and test integrations with the Platform and APIs prior to Go-Live.

2.2The Sandbox environment simulates the functionality of the Devbox production environment but does not replicate it in all respects. In particular, the User acknowledges and accepts that:

2.3No real monetary value is created, transferred, credited, or debited through the Sandbox at any time. Any figures, balances, or transaction confirmations generated within the Sandbox are fictitious and have no legal or financial effect.

3.1Grant of Access

3.1.1Subject to the User's acceptance of the General T&C (including these Sandbox Terms) Nsano shall grant the User access to the Sandbox environment by issuing Sandbox API credentials.

3.1.2Sandbox access is granted automatically after successfully creating an account and may be made subject to additional technical, compliance, or onboarding requirements as communicated by Nsano from time to time.

3.1.3Sandbox access does not constitute a commitment by Nsano to grant production access or Go-Live approval and does not create any expectation or entitlement to the same.

3.2Access Period

3.2.1Sandbox access is unrestricted as to time and transaction volume. There are no transaction limits and no expiry period applicable to Sandbox access. A User may remain in the Sandbox environment for as long as necessary to complete integration development and testing.

3.2.2A User may progress to Pre-Production at any time by submitting KYC/KYB documentation in accordance with Clause 3.2 of the General Terms and Conditions. There is no minimum Sandbox period and no requirement to reach any transaction threshold before progressing.

3.3Credential Security

3.3.1Sandbox API credentials (including API keys, access tokens, and client secrets) are issued solely for the User's internal use in connection with integration development and testing. The User shall:

3.3.2Nsano shall not be liable for any loss, damage, or disruption arising from the User's failure to maintain the security of Sandbox credentials. The User shall bear full liability for all activities conducted through the Sandbox using its credentials, whether authorized by it or not.

4.1The User may use the Sandbox exclusively for the following non-production purposes:

4.2All use of the Sandbox shall comply with the General T&C, these Sandbox Terms, and all Applicable Law.

5.1Use of Test Data

5.1.1The User shall use only fictitious, synthetic, or anonymized data when testing within the Sandbox. Nsano will make test datasets and simulated credentials available to facilitate this.

5.1.2The User must not upload, transmit, input, or otherwise introduce into the Sandbox any:

5.1.3Where Nsano has given prior written authorization for the use of real personal data in the Sandbox for a specific testing purpose (for example, in the case of the KYC API), such use shall be strictly limited to the scope of the authorization and shall be subject to the data protection obligations set out in Clause 9 of the General T&C and any applicable data processing agreement.

5.2Sandbox Data Handling and Use by Nsano

5.2.1Nsano may collect, use, retain, analyze, and disclose data generated through the User's Sandbox activities, including API call logs, integration patterns, error rates, usage metrics, and related information, as necessary to provide, maintain, support, secure, improve, and develop the Platform and Services, prevent fraud and abuse, conduct compliance activities, and comply with Applicable Law.

5.2.2Nsano does not warrant the confidentiality, security, or preservation of any data stored in the Sandbox. The Sandbox is not designed or maintained to the same security and data retention standards as the production environment. Users must not store any sensitive, confidential, or personal data in the Sandbox except as expressly authorized under Clause 5.1.3.

5.2.3Nsano reserves the right to delete, reset, or modify any data stored in the Sandbox at any time and without prior notice. The User is solely responsible for maintaining copies of any data, configurations, or test results that it wishes to preserve.

6.1Nsano shall use reasonable endeavors to maintain the availability of the Sandbox. The Sandbox is provided on a best-efforts basis and is not subject to any guaranteed uptime, availability, or service level commitments.

6.2Nsano may at any time, and without incurring any liability to the User:

6.3Nsano has no obligation to ensure compatibility between successive versions of the Sandbox or between the Sandbox and the production environment. The User is responsible for re-testing its integration following any Sandbox update that may affect its integration.

7.1All Intellectual Property Rights in and to the Sandbox, including all software, test environments, API specifications, documentation, simulated data sets, and related tools and materials, are and shall remain the exclusive property of Nsano and its licensors. Nothing in these Sandbox Terms transfers any Intellectual Property Rights to the User.

7.2The User retains all Intellectual Property Rights in the integration code, applications, and technical materials that it develops using the Sandbox. By using the Sandbox, the User does not acquire any rights in Nsano's underlying technology or infrastructure.

7.3Where the User provides feedback, bug reports, or suggestions regarding the Sandbox to Nsano, Clause 8.3 of the General T&C shall apply to such Feedback.

8.1THE SANDBOX IS PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NSANO EXPRESSLY DISCLAIMS ALL WARRANTIES IN RESPECT OF THE SANDBOX, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF:

8.2Nsano does not warrant that the Sandbox will meet the User's specific integration requirements, or that testing in the Sandbox will guarantee a successful Go-Live. Results achieved in the Sandbox are indicative only and may not reflect production behavior.

9.1To the maximum extent permitted by Applicable Law, Nsano shall not be liable to the User for any loss or damage of any kind arising from or in connection with the User's access to or use of the Sandbox, including but not limited to:

9.2The User's use of the Sandbox is at its own risk. Nothing in this Clause limits Nsano's liability to the extent it cannot be excluded under Applicable Law, as set out in Clause 18.3 of the General T&C.

9.3The User shall indemnify Nsano in accordance with Clause 19 of the General T&C in respect of any loss, damage, or liability suffered by Nsano arising from the User's breach of these Sandbox Terms, including any breach resulting from the User's introduction of real personal data or live credentials into the Sandbox without authorization.

10.1The Onboarding Journey

10.1.1The Sandbox is Stage 1 of a three-stage onboarding journey that governs all Users of the Platform. Completion of Sandbox testing does not automatically entitle the User to production access. The full journey is as follows:

10.1.2The User may progress from Sandbox to Pre-Production at any time by submitting KYC/KYB documentation. There is no minimum Sandbox period and no requirement to reach any testing threshold before progressing.

10.2Pre-Production Credential Deactivation and Reversion

10.2.1Where a User has been granted Pre-Production access but has not progressed to Full Production within sixty (60) days of the compliance approval date, the User's Pre-Production API credentials will be automatically deactivated by the Platform.

10.2.2Following automatic deactivation, the User's access reverts to the Sandbox environment. There are no restrictions on how long the User may remain in the Sandbox following reversion. The User does not restart the onboarding process as all Account information and KYC/KYB documentation collected during Pre-Production are retained by Nsano. All Pre-Production live access and Services revert to Sandbox level pending reinstatement.

10.2.3The User may request reinstatement of Pre-Production access at any time following deactivation by contacting Nsano at devbox@nsano.com. Nsano shall use reasonable endeavors to restore Pre-Production access promptly upon receipt of such a request, subject to any outstanding compliance requirements being satisfied. The User does not need to re-submit KYC/KYB documentation unless Nsano specifically requests updated or additional documentation.

10.2.4Nsano shall use reasonable endeavors to notify the User by email at least seven (7) days before Pre-Production credential deactivation. The User is responsible for monitoring the status of its Account and progressing its onboarding within the permitted timeframes.

10.3Go-Live Requirements

10.3.1Before granting Full Production access, Nsano's compliance team shall complete its review within seventy-two (72) hours of the User submitting all required KYC/KYB documentation. Following the 72-hour review, and subject to Nsano's sole discretion, one of three outcomes will occur:

(a)Approval — Nsano grants Full Production access after the User has received and accepted the API Terms and the Master Services Agreement. All Restricted Live limits are immediately lifted and the User proceeds to Stage 3;

(b)Rejection — Nsano notifies the User of the rejection and the reasons therefor. The User must address the identified issues and resubmit before reapplying; or

(c)Request for additional information — Nsano notifies the User that further documentation or clarification is required. The User remains in Pre-Production pending resolution of the outstanding requirements.

Where Nsano does not issue a decision within 72 hours of receiving complete documentation, the User shall remain in Pre-Production, subject to the Restricted Live limits for the remainder of the 60-day Pre-Production period.

10.3.2Nsano reserves the right to approve or reject any Go-Live application at its sole discretion. Nsano is not obliged to provide reasons for a rejection, though it shall endeavor to communicate the basis for any rejection in general terms.

10.3.3In addition to the compliance review, Nsano may require the User to satisfy any or all of the following before granting Full Production access:

10.4Credential Transition

10.4.1Upon Full Production approval, Nsano will issue the User with Production API credentials. Nsano may, at its discretion, maintain the User's Sandbox access in parallel with production access to facilitate ongoing development and testing of new features.

10.4.2Pre-Production credentials are automatically deactivated upon Full Production approval. The User must update all integrations to use Production credentials before initiating any live Transactions.

11.1Nsano may suspend or terminate the User's Sandbox access immediately and without prior notice if:

11.2Upon termination of Sandbox access for any reason, the User's Sandbox API credentials will be immediately deactivated. Nsano shall delete all data associated with the User's Sandbox environment within thirty (30) days of termination, unless required to retain it under Applicable Law.

11.3Termination of Sandbox access does not affect any accrued rights or obligations of the parties, nor does it affect the User's obligations under the General T&C in respect of any other matter.

12.1These Sandbox Terms are governed by the same governing law and dispute resolution provisions as the General T&C, as set out in Clause 21 thereof.

12.2In the event of any inconsistency between these Sandbox Terms and the General T&C in respect of Sandbox-specific matters, these Sandbox Terms shall prevail.

12.3Nsano may update these Sandbox Terms at any time in accordance with Clause 2.1 of the General T&C. The current version of these Sandbox Terms will be published on the Platform.

12.4These Sandbox Terms shall survive any termination of the User's Sandbox access to the extent necessary to give effect to provisions that by their nature should survive, including Clauses 5, 6, 8, 9, 10, and 12.