These Terms of Use (the “Terms”), dated as of October 25, 2017, are entered into by and between Aera Payment & Identification AS (“Aera”), and you. Your use or accessing of the API, or downloading of the API documentation, confirm your acceptance and acknowledgement of being legally bound by these Terms of Use. If you are acting on behalf of an entity that has entered into an agreement with Aera containing separate terms of use of Aera documentation (including this API documentation), applicable terms of use will be governed by such an agreement and not by these Terms of Use.

Aera and you hereby agree as follows:

Use of the API

Subject to the terms of these Terms of Use, you will utilise the API, and make sure all applications/usage will remain, in compliance with the terms and conditions set out in this API documentation.

Permitted Uses of the AP and Confidentiality.

You will only use or access the API and related documentation in accordance with the limited license granted to you according to sub-clause "Using the API" below. Your use of and access to the API shall be treated in strict confidence, and any information related thereto and which is not already publicly known shall be kept confidential and not be shared with anyone other than the entity on whose behalf you are acting, and only on a need-to-know basis to relevant personnel employed or hired by that entity.

Prohibited Uses of the API

You must never do any of the following:

•Distribute or allow access to the API to anyone other than the entity on whose behalf you are acting, or create an application programming interface that enables access to Aera Content.
•Implement features or business practices that unlawfully harm the professional reputation or relationships of Aera. •Use Aera Content received from the API in any manner that facilitates bias, discrimination, or data “redlining,” whether intentional or inadvertent, based on sensitive or protected categories or characteristics. •Impersonate Aera or intentionally misrepresent Aera or other third party when requesting or publishing information. •Copy, reformat, reverse-engineer, or otherwise modify the API, Access Credentials, or any Aera Content. •By use of the API Promote or operate any product or service that competes with the Aera Services. •Interfere with or disrupt Aera services, Aera servers or networks connected to Aera services.

API License

Using the API

As part of the terms and conditions set out in this API documentation ,Aera grants you a non-exclusive, non-transferable, and non-sublicensable (except as expressly permitted herein) license to use the API only in accordance with the instructions set out in terms and conditions set out in this API documentation and strictly for the purpose of performing such activities which are agreed between Aera and you or between Aera and the entity on whose behalf you are acting, as applicable.

Access Credentials

Aera will provide you with Access Credentials that permit you to access the API. The Access Credentials are the property of Aera and may be revoked if: you share them with any third party (other than as allowed in the terms and conditions set out in this API documentation )if they are compromised, if you violate the API Terms or any terms set out in this documentation ,or if Aera terminates the terms and conditions set out in this API documentation

API Call Limitations

The number of API calls you will be permitted to make during any given time period may be limited as decided by Aera from time to time.

Intellectual Property

Aera Materials

Aera owns all rights, title, and interest, including all intellectual property rights, in and to, the Aera
API; all elements, components, and executables of the Aera API (“Aera Materials”). Except for the licenses granted in the terms and conditions set out in this API documentation ,Aera does not grant you any right, title, or interest in the Aera Materials.

Feedback

You may, but is not required to, provide suggestions, comments, ideas, or know-how, in any
form, to Aera related to Aera products, services or technology (“Feedback”). To the extent you provide Feedback to Aera, you grant Aera the right to use such Feedback without any right to compensation from Aera.