Terms of Service

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Coral Messaging, including all of its related applications, dashboards, or platforms (individually and collectively, the "Website"), is owned and operated by Coral Messaging, Inc. ("Coral Messaging"). By using, installing, or accessing the Website or the Services (as defined below), or by subscribing or clicking to accept these terms or any Customer Agreement that references them, the Customer agrees to be bound by the following terms of service, including Coral Messaging's Privacy Policy (collectively, these "Terms" or this "Agreement").

When Coral Messaging's Services are used on behalf of a company or other entity, "Customer" refers to that entity, which becomes bound by this Agreement. The person accepting this Agreement on behalf of the Customer represents and warrants that they possess the necessary legal power and authority to do so.

This version of the Terms has been prepared for the use of Coral Messaging services and incorporates the necessary adjustments to operate in compliance with applicable laws.

1. Website Terms

By accepting these Terms, the User represents that they are of legal age in their jurisdiction or have the necessary consent to allow their minor dependents to use this website.

The website must not be used for any illegal or unauthorized purpose, nor in a manner that violates any law, including, without limitation, intellectual property, anti-corruption, and data protection laws, applicable in the countries where Coral Messaging maintains operations. The transmission of viruses or any code of a destructive nature is prohibited. Breach of these Terms will result in the immediate termination of the Services.

Coral Messaging reserves the right to amend these Terms at any time. Any new features or tools which are added to the current website shall also be subject to these Terms. You can review the most current version of the Terms at any time on this page. We reserve the right to update, change or replace any part of these Terms by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Service following the posting of any changes constitutes acceptance of those changes. Any deviation from these Terms shall only be valid if and agreed upon by and between the Parties in writing. Material changes will be notified to the Customer at least thirty (30) days in advance by email or through the Dashboard, granting the Customer the right to terminate the Agreement without penalty if they do not agree with the new conditions.

2. General Conditions

Coral Messaging reserves the right to refuse Service to anyone, for any reason, at any time.

Customer content is transmitted using encryption in accordance with industry standards, as described in Coral Messaging's Information Security Policy, and may involve (a) transmissions across various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

It is prohibited to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service, use of the Service, or access to the Service, without express written authorization from Coral Messaging.

The Service is available only to individuals who are at least 18 (eighteen) years old.

3. Definitions

“Affiliate” means, with respect to any Party, any legal entity that Controls, is Controlled by, or is under common Control with such entity. “Control” means, with respect to the relevant entity, (i) the direct or indirect ownership or control of more than 50% of (a) the equity interests or (b) the voting rights in the general meeting or similar body of such entity, or (ii) the right or ability to appoint or remove a majority of the members of the board of directors or similar governing body of such entity with decisive voting power in such body.

“API” means application programming interface.

“Applications” means software-based tools that provide a visual interface designed to operate and utilize the Platform.

“Third-Party Applications” means third-party software applications based on the internet or enabled for offline use, APIs, source code, operating systems, databases (including code repositories and package managers), and other types of platforms that interoperate with the Service to enable its full range of functionality. For the avoidance of doubt, telecommunications network providers (such as (mobile) network operators or virtual (mobile) network operators) are excluded from this definition.

“Subscription” means the plan selected by the Customer for accessing and/or using the Services.

“Channels” means the services that enable point-to-point information exchange between the Customer and End Users of Messages, such as Chat, Voice, Video, and SMS.

“Customer” means any company, business, or other entity acting in the exercise of a profession or commercial activity for which Coral Messaging provides Services.

“Inappropriate Content” means, collectively, any content that (i) is unsolicited, including, without limitation, "junk mail," "bulk email," spam, or other unsolicited material; or (ii) qualifies as spam under any applicable laws and regulations; or (iii) may cause the introduction of harmful computer programs or codes into the Platform or End User devices; or (iv) violates any legal, regulatory, self-regulatory, governmental, statutory, or telecommunications operator requirements or codes of conduct, or Third-Party Application Terms; or (v) is unlawful, pornographic, abusive, racist, obscene, offensive, threatening, harassing, defamatory, discriminatory, misleading, or inaccurate; or (vi) constitutes harmful or malicious content, including, but not limited to, hate speech and any other material that Coral Messaging reasonably believes degrades, intimidates, incites violence, or fosters prejudicial actions against any person based on gender, race, age, ethnicity, nationality, religion, sexual orientation, disability, geographic location, or any other discriminatory ground; or infringes the intellectual property rights of any person or entity; or (vii) is otherwise unlawful.

“Agreement” means these general Terms and any annexes, appendices, and addenda hereto.

“Customer Agreement” means any legal contract entered into between Coral Messaging and the Customer for the provision of all or part of our Services to the Customer.

“Effective Date” means the date on which (i) both Parties sign a Customer Agreement, (ii) the Customer registers an account on the Dashboard, or (iii) the Customer commences use of the Services.

“Confidential Information” means code, inventions, know-how, product plans, technical, financial, commercial, operational, or other information exchanged under this Agreement or learned during the performance of this Agreement, or that is identified as confidential at the time of disclosure or should reasonably be considered confidential based on the circumstances surrounding disclosure and the nature of the information disclosed. Confidential Information also includes information held in confidence by a Party, marked as such, or information, whether written or oral, that by its nature would be understood by a reasonable person under the circumstances to be confidential information of a Party.

“Integrations” means the interoperable and coordinated use of the Services within Third-Party Applications.

“Data Protection Legislation” means all relevant requirements of applicable privacy and data protection legislation in jurisdictions where the Customer, its Authorized Users, or End Users are located, including, among others, as applicable: in the European Union and the United Kingdom, the General Data Protection Regulation (EU Regulation 2016/679 - GDPR) and its national implementing laws; in Brazil, the General Data Protection Law (Law No. 13,709/2018); in Mexico, the Ley Federal de Protección de Datos Personales en Posesión de los Particulares; in Colombia, Law 1581 of 2012; in Peru, the Personal Data Protection Law (Law No. 29,733); in Argentina, the Personal Data Protection Law (Law No. 25,326); in Uruguay, Law No. 18,331; in Paraguay, Law No. 7,593/2025; in Ecuador, the Ley Orgánica de Protección de Datos Personales; in Chile, Law No. 19,628; in Panama, Law 81 on Personal Data Protection; in Costa Rica, Law No. 8,968; in the Dominican Republic, Law No. 172-13; in the United States, the California Consumer Privacy Act (CCPA/CPRA); as well as any other applicable law, regulation, rule, or guideline regarding data protection, privacy, information security, and processing of personal data in any relevant jurisdiction, present or future, in which the Customer or Data Subjects are established or located. For clarity, each specific jurisdictional reference shall apply only to End Users located in that jurisdiction or Customer Data relating to it.

“Message” or “Messages” means a set of systemized textual, numerical, graphic, or phonetic characters transmitted between the Customer and an End User via the Channels.

“Dashboard” means Coral Messaging's customer portal available on the Website.

“Party” or “Parties” means Coral Messaging and the Customer, individually or jointly.

“Platform” means Coral Messaging's cloud communications platform.

“Claim” means any claim, demand, lawsuit, or legal proceeding brought by a third party.

“Service” or “Services” means all services and subscriptions provided by Coral Messaging to the Customer, including, without limitation, the Platform, Dashboard, Software, API, Solutions, and Channels.

“Website” means Coral Messaging's web domains, available at www.coralmessaging.com.

“Solution” means pre-packaged and pre-configured components of the Platform designed to execute a predefined process and produce a specific result that utilizes the Platform and enables the Customer to communicate with its customers or among its employees via Channels.

“Subscription Fee(s)” means recurring monthly or annual fees charged to the Customer for the Subscription. If the Customer elects to upgrade its Subscription, the Subscription Fee corresponding to the higher plan will apply on a pro-rata basis for the remainder of the Services term. Any changes to Subscription Fees will apply starting on the renewal date of the Services.

“Fees” means the prices paid by the Customer for access to and use of the Service.

“Third-Party Application Terms” means terms and conditions and/or usage policies that directly or indirectly apply to the use of Third-Party Applications.

“Taxes” means any and all taxes, fees, charges, telecommunications provider surcharges, withholding taxes, or similar assessments applicable locally, federally, or statutorily, including, but not limited to, ISS, ICMS, PIS/COFINS, VAT (VAT/GST), sales tax, and/or use tax.

“End User” means any natural person who receives communications sent by the Customer or its Affiliates via the Services.

“Beta Version” means new services, features, or functionalities (such as an API, Application, Solution, Channel, or other feature) within the Services enabled for Customer use for testing purposes, for technical, commercial, or any other use.

4. Services

Products or Services are available exclusively online through the website.

Coral Messaging reserves the right, but is not obligated, to limit the sale of its products or services to any person, geographic region, or jurisdiction, and to discontinue any product at any time.

There is no guarantee that the quality of products, services, or information obtained will meet the Customer's expectations, or that any errors in the Services will be corrected.

5. Usage Rights and Restrictions

Subject to this Agreement, Coral Messaging grants the Customer a non-exclusive, non-transferable, non-sublicensable, revocable, and limited license to use during the applicable Subscription term, to install and use the Services solely for Customer's internal business purposes, pursuant to the applicable Customer Agreement.

Although the Services may be globally accessible, their provision and use are subject to applicable economic sanctions, embargo, and export control laws and regulations enforced by governmental authorities worldwide and those applicable in Coral Messaging's countries of operation. The Customer represents, warrants, and covenants to comply with, and ensure that its Authorized Users and End Users comply with, all applicable trade control and sanctions laws, including but not limited to: (i) Regulations and sanctions administered by the United States Government (Office of Foreign Assets Control - OFAC, Export Administration Regulations - EAR of the Department of Commerce, among others); (ii) Economic sanctions and trade restrictions imposed by the European Union, the United Kingdom (HM Treasury), and the United Nations Security Council (UNSC); (iii) In Brazil, Law No. 13,810/2019 and Decree No. 10,082/2019, governing financial sanctions imposed by the UN Security Council, and rules issued by the Central Bank of Brazil and COAF; and (iv) In Colombia, guidelines from the Superintendencia de Sociedades and UIAF (SAGRILAFT); (v) in Argentina, Law No. 25,246 and RePET rules; in Chile, provisions of the Unidad de Análisis Financiero (UAF); (vi) in Peru, UIF-Perú guidelines; (vii) and equivalent regulations issued by financial intelligence and anti-money laundering authorities across other Latin American jurisdictions; as well as all equivalent laws regarding foreign trade, financial restrictions, and export controls in effect in the jurisdiction of seat or operation of Customer, Provider, or where Services are used.

The Customer warrants that neither it nor its shareholders, Affiliates, or Authorized Users are listed on any sanctioned or restricted parties list maintained by such authorities, nor are they located, incorporated, or resident in countries or territories subject to comprehensive embargoes.

The Customer must register for a Coral Messaging account to access the Services. Account information must be accurate, current, and complete, and will be governed by Coral Messaging's Privacy Policy. The Customer is solely responsible for all use of its Service account.

The Customer warrants that it and its employees and contractors whom Customer has authorized to access the Services on its behalf ("Authorized Users"): (a) are over 18 years of age; (b) have not been previously suspended or removed from the Services; and (c) will comply with all applicable laws when using the Services.

The Customer will be responsible for the use and compliance with these Terms by its Authorized Users, as well as for maintaining the confidentiality of its access credentials, and must notify Coral Messaging within twenty-four (24) hours of any security breach or unauthorized use of its account.

The Customer shall not and agrees not to permit any third party to rent, copy, transfer, or sublicense Coral Messaging Technology; integrate it into another product or service; use it for the benefit of a third party; reverse engineer it, except to the extent expressly permitted by applicable law; or bypass its security measures.

Subject to Customer’s compliance with the terms of this Agreement, Coral Messaging may provide Customer with certain Services for free or on a trial basis or with "alpha", "beta" or other early-stage Services, integrations or features ("Beta Version"). This section and any relevant additional terms will apply to any Beta Version (even if a Beta Version is provided for a fee) and supersedes any contrary provision in this Agreement. Coral Messaging may use good faith efforts in its discretion to assist Customer with Beta Versions. Without limiting the other disclaimers and limitations in this Agreement, TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, CUSTOMER AGREES THAT ANY BETA VERSION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY, SUPPORT, MAINTENANCE, STORAGE, SLA OR INDEMNITY OBLIGATIONS OF ANY KIND. WITH RESPECT TO BETA VERSIONS, CUSTOMER FURTHER ACKNOWLEDGES AND AGREES THAT BETA VERSIONS MAY NOT BE COMPLETE OR FULLY FUNCTIONAL AND MAY CONTAIN BUGS, ERRORS, OMISSIONS AND OTHER PROBLEMS FOR WHICH CORAL MESSAGING WILL NOT BE RESPONSIBLE. ACCORDINGLY, ANY USE OF A BETA VERSION IS AT CUSTOMER’S SOLE RISK. You may choose to use Beta Versions in your sole discretion. Coral Messaging makes no guarantees or promises with respect to the continued availability of any Beta Version or that future versions of a Beta Version will be released or will be available under the same commercial or other terms. Coral Messaging may discontinue Beta Versions at any time, in our sole discretion, and decide not to make a Beta Version generally available. Notwithstanding anything to the contrary herein, Coral Messaging may terminate Customer’s right to use any Beta Version at any time for any reason or no reason in Coral Messaging’s sole discretion, without liability.

6. Legal Compliance

The Customer represents and warrants that its use of the Service will comply with applicable laws and regulations governing its business in its respective jurisdiction, and is responsible for verifying the suitability of the Service for its specific use purposes, including adherence to data protection laws such as those of Brazil (Law No. 13,709/2018), Mexico, Colombia, Peru, Argentina, Uruguay, Paraguay, or any other jurisdiction in which it operates.

The Service may not be used for unlawful, discriminatory activities, or in violation of applicable consumer protection, competition, or trade laws in Customer's jurisdiction, such as Brazil's Consumer Defense Code (Law No. 8,078/1990), Argentina's Consumer Protection Law No. 24,240 and Civil and Commercial Code, or in the United States, the Federal Trade Commission Act, Fair Credit Reporting Act, and Equal Credit Opportunity Act, or equivalent laws in the applicable jurisdiction, without prejudice to Provider's duty to maintain the Service in compliance with legal and regulatory requirements directly applicable to it as a service provider.

7. Data Protection

When Customer is located in, or provides Services/transmits data from End Users located in, any jurisdiction with comprehensive privacy legislation (including, without limitation, Latin America, such as Brazil, Mexico, Colombia, Peru, Argentina, Uruguay, Paraguay, Ecuador, Chile, Panama, Costa Rica, and the Dominican Republic, the European Union, the United Kingdom, and the United States), Customer and Coral Messaging undertake to strictly comply with the requirements of applicable Data Protection Legislation.

For purposes of applicable Data Protection Legislation (including LGPD in Brazil, GDPR in Europe/UK, Law No. 25,326 in Argentina, and CCPA/CPRA in the US):

The Customer acts as Data Controller (Data Controller or Business – which in Argentina corresponds to the Data Controller or File Manager under Law No. 25,326), maintaining full control, decision-making authority, and responsibility over Customer Data and End User Data transmitted to the Platform; and
Coral Messaging acts as Data Processor (Data Processor or Service Provider – which in Argentina corresponds to the Data Processor under Law No. 25,326), processing data exclusively on behalf of the Customer and in accordance with its documented instructions and the terms of this Agreement.

By using the Service, the Customer represents, warrants, and covenants to: (i) Have obtained all valid and express consents or grounded processing on another legal basis or legally appropriate mechanism provided for in applicable Data Protection Legislation (national or international), ensuring the lawfulness of sending and transferring personal data to Coral Messaging; (ii) Have collected, stored, used, and transferred data in full compliance with law and its own public privacy policy, maintaining appropriate authorizations to allow Coral Messaging to receive, process, and store such data; (iii) Not use the Service to collect, manage, or process sensitive personal data (as defined by applicable law, such as health data, biometrics, genetics, religious beliefs, or strictly protected financial data), unless expressly agreed in a written addendum; and (iv) Have reviewed and accepted Coral Messaging's Privacy Policy and security terms, agreeing to defend, indemnify, and hold harmless Coral Messaging against any claim, administrative sanction, fine, or damage arising from the Customer's breach of the representations and obligations under this Section.

As between the Parties, Customer retains all rights, title, and interest in and to any text, image, content, or data submitted or incorporated into the Services, including chat logs and End User Data ("Customer Data"). Customer grants Coral Messaging a non-exclusive, worldwide, royalty-free license to collect, use, copy, store, transmit, and modify Customer Data solely to the extent necessary to:

(a) Provide the Services in compliance with this Agreement, the Data Processing Addendum (DPA), if applicable, and Coral Messaging's Privacy Policy;

(b) Detect, investigate, monitor, prevent, and mitigate security incidents, spam, fraud, abuse, and unlawful use of the Services; and

The Customer grants Coral Messaging general authorization to engage third parties (sub-processors) in providing the Services. The Customer will verify the policies and rules of the subprocessors they accept or contract for integration with the Services, exempting Coral from any obligation to change these Terms, provide extraordinary notice, or monitor third-party policies.

When contracting subprocessors, Coral Messaging will ensure that such sub-processors assume contractual data protection obligations substantially equivalent to those set forth in this Agreement.

Whenever required by Customer or applicable law, the Parties may enter into a separate Data Processing Addendum/Agreement (DPA) or incorporate full Processor clauses into this Agreement. In the event of a conflict between this Agreement and the DPA entered into between the Parties, the provisions of the DPA shall prevail with respect to the processing of personal data.

Coral Messaging adopts and maintains appropriate technical, administrative, and organizational measures to protect Customer Data against unauthorized access, destruction, loss, alteration, or improper disclosure, as detailed in its Information Security Policy.

Customer Data retention shall occur for the duration of the Customer's Subscription. Upon termination of the Service, Customer Data will be deleted or anonymized in accordance with Coral Messaging’s policies and standards, unless retention is required to comply with a legal or regulatory obligation.

Customer agrees that Coral Messaging may generate usage data and aggregate it through irreversible anonymization processes. Such anonymous and aggregated data constitutes technology and exclusive intellectual property of Coral Messaging, and may be used for any commercial purpose, development of new products, metrics analysis, or artificial intelligence model training, provided that the impossibility of identifying Customer or End Users is guaranteed.

8. International Data Transfers

The Customer acknowledges and authorizes that, due to the global nature of the Services and cloud infrastructure, Coral Messaging may process and transfer Customer Data and End User Data outside of their country of origin (including transfers to/from Brazil, Latin America, the United States, and the European Economic Area/United Kingdom).

All international data transfers will be carried out in strict compliance with applicable Data Protection Legislation, supported by accepted legal mechanisms, such as Standard Contractual Clauses (SCCs) approved by competent authorities (including ANPD Standard Clauses in Brazil, AAIP in Argentina, and the European Commission in the EU); Adequacy Decisions legally recognized; or valid international privacy certifications (such as the EU-U.S. Data Privacy Framework - DPF or equivalents).

The Parties expressly acknowledge that certain components of technological infrastructure and third-party telecommunication services (including, but not limited to, AWS, Meta, Microsoft, GitHub, Datadog, and global telecom operators) are provided under standardized, unified, and globally non-negotiable terms and policies. In such cases:

Operations, audits, and international transfers promoted by such providers will be governed by their own public terms, audited global security certifications, and pre-integrated data processing addenda (DPAs);
Coral Messaging's obligation regarding these specific providers is restricted to monitoring their public lists of sub-processors and notifying Customers about relevant changes to their policies that could directly affect the Services.

9. Customer Obligations

The Customer represents and warrants that it fully complies with all applicable state, federal, and international laws, and that it will not use the services in a manner that violates, or causes Coral Messaging to violate, any obligation arising from electronic marketing, financial data protection, or anti-spam laws applicable in its jurisdiction, such as, in the United States, the Federal Trade Commission's Telemarketing Sales Rule, the Telephone Consumer Protection Act, the Health Insurance Portability and Accountability Act, the Gramm-Leach-Bliley Act, and the CAN-SPAM Act; in Canada, Anti-Spam Legislation ("CASL"); in Brazil, the General Data Protection Law and the Internet Civil Framework; in Argentina, Law No. 25,326 and Law No. 26,951 (National "Do Not Call" Registry); and in other Latin American jurisdictions covered by this Agreement, equivalent Data Protection Legislation and consumer protection and electronic communications rules of each country.

The Customer further warrants that: (a) it owns the Customer Data it provides to Coral Messaging, or has legal rights or express authorization to provide it; (b) possession or use of Customer Data by Coral Messaging will not infringe any contract, statute, or regulation; and (c) Customer will use the Services only to interact with its own actual End Users.

The Services are intended to send electronic communications only to current End Users of Customer who have consented to receive them. The Customer is solely responsible for its regulatory compliance, and use of the services does not guarantee such compliance.

10. Customer Identification and Account Information

The Customer agrees to provide current, complete, and accurate purchase and account information, and to update it in a timely manner to facilitate completion of transactions and contact as necessary.

Coral Messaging reserves the right to refuse or cancel any order, at its sole discretion.

11. Third-Party Links

Certain content, products, and services available via the Service may include third-party materials. Coral Messaging is not responsible for examining or evaluating the content or accuracy of such materials, nor does it assume any liability for them. Careful review of third-party policies and practices is recommended before engaging in any transaction with them.

12. Third-Party Products and Applications; WhatsApp Policy

If Customer chooses to use applications, integrations, or products not developed by Coral Messaging ("Third-Party Products"), Customer acknowledges that such products may access its instance of the services, including Customer Data, and that their use may require entering into separate terms with that third party. Coral Messaging is not a party to such terms nor responsible for them.

The Customer must comply at all times with terms and policies set by WhatsApp, including its Business Policy and messaging limits, available at whatsapp.com/legal. WhatsApp has sole discretion to approve or reject message templates and suspend Customer access for policy non-compliance, with Coral Messaging assuming no liability for such suspensions. Upon registering with Coral Messaging, Customer owns the corresponding phone number.

13. Errors and Omissions

Occasionally, there may be information on the website or Service containing typographical errors, inaccuracies, or omissions. Coral Messaging reserves the right to correct them and to update or cancel orders at any time without prior notice.

14. Prohibited Uses

In addition to other prohibitions set forth in these Terms, and without prejudice to Section 1, using the website, its content, or the Service to harass, defame, discriminate against, or intimidate any person; to collect personal information of third parties without authorization; or to interfere with security measures of the Service is prohibited.

Coral Messaging reserves the right to terminate Customer access to the Service for violating these restrictions, including when use violates Meta platform policies, available at developers.facebook.com/policy.

15. Disclaimer of Warranties; Limitation of Liability

The Service is provided "as is" and "as available," without warranties of any kind, express or implied.

In no event shall Coral Messaging, its directors, employees, affiliates, or suppliers be liable for indirect, incidental, punitive, or consequential damages arising from the use of the Service, even if advised of the possibility of such damages. In jurisdictions that do not allow the exclusion or limitation of liability for incidental or consequential damages, such liability shall be limited to the maximum extent permitted by applicable law or limited to the value of the Agreement, which value shall be the average of the last 6 (six) months in force. This limitation of liability shall not apply to cases of willful misconduct or gross negligence of either Party, infringement of intellectual property rights, breach of confidentiality obligations, or indemnification obligations provided in this Agreement.

16. Indemnification

The Customer agrees to indemnify, defend, and hold harmless Coral Messaging, its parents, affiliates, partners, officers, agents, and employees from any claim brought by a third party arising out of its breach of these Terms or violation of any law or rights of a third party.

17. Severability

If any provision of these Terms is deemed unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed severed from these Terms, without affecting the validity and enforceability of remaining provisions.

18. Termination

These Terms shall remain in effect until terminated by either party.

Coral Messaging may terminate this Agreement at any time, without prior notice, if it determines a breach of any provision of these Terms, without prejudice to amounts owed up to the date of termination.

Obligations and liabilities of the parties incurred prior to termination shall survive termination.

19. Text Message Communication

If Customer desires to communicate with its End Users via text messaging, it obligates itself to use the Service in full compliance with all applicable laws and regulations regarding electronic communications and consent, including, among others: in the United States, the Telephone Consumer Protection Act ("TCPA"); in Canada, the Personal Information Protection and Electronic Documents Act ("PIPEDA") and Anti-Spam Law ("CASL"); in Brazil, the General Data Protection Law and Internet Civil Framework; in Argentina, Law No. 25,326, Law No. 26,951 (National "Do Not Call" Registry), and the Civil and Commercial Code; and in Mexico, Colombia, Peru, Argentina, Uruguay, and Paraguay, equivalent Data Protection Legislation and consumer protection and electronic communications rules of each country or others in which Coral Messaging and/or Customer operate.

In most jurisdictions covered by this Agreement, contacting a consumer by text message, phone, or email without prior consent constitutes a legal violation.

Customer shall not contact any person through the services without having obtained corresponding consent required by applicable law, nor send messages to anyone who has expressed opposition or replied "STOP" or an equivalent phrase to a previous message.

Customer, and not Coral Messaging, is solely responsible for the content of its messages and for compliance with applicable law; Coral Messaging acts merely as a provider of technical delivery services.

Customer agrees to indemnify, defend, and hold harmless Coral Messaging against any claim arising from an alleged legal violation on its part or breach of warranties contained in this section.

20. Governing Law

These Terms, and any separate agreement under which services are provided, shall be governed exclusively by the internal laws of the State of New York, without regard to conflict of law rules. State and federal courts located in Manhattan, New York, shall have exclusive jurisdiction to resolve any dispute arising from this Agreement. Each party waives its right to a jury trial regarding any action arising under this Agreement.

Notwithstanding the foregoing, nothing in this section limits the authority of a data protection authority, nor the application of mandatory rules regarding data protection or consumer protection of the country in which Customer, its Authorized Users, or End Users are located, to the extent such rules cannot be excluded by agreement between the parties.

21. Fees and Payment

Unless otherwise specified in the applicable Customer Agreement, services are provided on a recurring subscription basis, and Customer agrees to pay Coral Messaging the corresponding fees ("Fees").

All references to currency herein mean US Dollars, unless a different currency is expressly made available or agreed upon, either in the applicable Customer Agreement or through local currency billing options offered by Coral Messaging on its platform or checkout process, for invoicing in Customer's local jurisdiction.

Subscription Fees are non-refundable and non-creditable, unless otherwise stated in the Customer Agreement. Coral Messaging's Fees do not include taxes, and Customer shall pay applicable taxes or fees, except those based on Coral Messaging's income.

Coral Messaging reserves the right to increase Fees for any Service upon sixty (60) days' prior written notice, effective at the start of Customer's next Subscription term.

22. Disclaimers

Neither Coral Messaging nor its suppliers grant warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement.

Coral Messaging does not provide legal advice to its Customers regarding data privacy or compliance with applicable law in any jurisdiction, and use of the Services does not guarantee such compliance, which must be strictly observed by Customers.

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