·Xero (UK) Limited is a company incorporated in England and Wales whose registered office is at 5th Floor, 100 Avebury Boulevard, Milton Keynes, MK9 1FH, and whose company number is 06071722. Xero (UK) Limited is registered and regulated by the Financial Conduct Authority as an account information service provider under the Payment Services Regulations 2017 (registration number 805806). Xero Denmark A/S is a company incorporated in Denmark whose registered office is at Kuglegårdsvej 7, 1434 Copenhagen and whose company number is 42690562. Xero Denmark A/S is registered and regulated by the Danish Financial Supervisory Authority (Finanstilsynet) as an account information service provider under the Payments Act (Lov om betalinger) (registration number 45513) and, for customers in Ireland, is also regulated by the Central Bank of Ireland for conduct of business rules. Xero (UK) Limited and/or Xero Denmark A/S are referred to as Xero, we, our, or us (as the case requires).

·These terms of use for account information services (AIS terms) set out the terms on which we will provide account information services to you. When we say you or your in these AIS terms, we mean both you and any entity or firm you're authorised to represent. If you would like a paper or PDF copy of these AIS terms, please contact us through Xero Central and we can arrange for these to be sent to you.

·If you're a Xero subscriber or an invited user based in the United Kingdom or the European Union who uses our account information services, then these AIS terms will apply to you. If you're based in the United Kingdom, Xero (UK) Limited will provide our account information services to you. If you're based in the European Union, it will be Xero Denmark A/S. In addition, our terms of use covering our online and mobile accounting and financial products and services (what we call our generalterms) will also apply to you.

·If you're wondering what some of the words used in these AIS terms mean (like 'transaction information' and 'payment account') check out the key definitions below. We also use some words that are defined in our general terms (like subscriber and invited user) - check out the definitions for those words in our general terms.

·Account information services

11. What are they? As an account information service provider, Xero can, with your express permission, receive or access your transaction information from your payment account with a payment service provider in order to flow those transactions into your Xero account for simple and effective reconciliation. Once reconciled, the transaction information becomes consolidated information in your Xero account. We call this a bank feed.

22. How do I use them? If you wish to set up a bank feed and take advantage of the account information services Xero offers, you will need to explicitly agree to us receiving or accessing your transaction information and, if applicable, accessing your payment account using the authorisation or authentication method prescribed by your payment service provider. In some situations, you may be required from time to time to re-authorise us to access your payment account on your behalf.

33. How does Xero use your transaction information? Once we've retrieved your transaction information, we'll import it into your Xero account and use it to provide services to you in the normal way, as explained in our general terms. The same applies to any consolidated information we create out of that transaction information. We'll process personal data in accordance with our privacy notice.

44. How does Xero work with your payment service provider to access your transaction information? This is explained on Xero Central and will also be explained during the sign-up process.

55. What charges apply? We don't generally charge a fee for the use of account information services. However, we may charge for other services that we provide to you - see our general terms for further information. In some cases, your payment service provider may charge their own fee for providing transaction information. Where that's the case, the fee will either be invoiced by the payment service provider directly to you, or we'll collect the fee from you and pass that through to the payment service provider.

66. How do I stop using them? To stop using account information services, you will need to actively disconnect Xero's access to your transaction information. You can do this at any time, either by following the process prescribed by your payment service provider or by asking Xero to disconnect from your payment account(s). You can ask Xero to do this using the "bank accounts" section of the Xero product or by contacting us through support.xero.com. You may still use other Xero services without the account information services.

77. Accuracy: Any transaction information imported into your Xero account will be a reflection of the transaction information held by your payment service provider (eg, the information held in your online banking transactions). We aren't responsible for any inaccuracy or incompleteness of this information.

88. Liability relating to account information services: For the purposes of these AIS terms, our total aggregate liability to you arising out of or in connection with any unauthorised disclosure of your sensitive payment data by Xero, where that sensitive payment data is used to commit fraud, is limited to two times the total amount you paid us for your subscription in the 12 months immediately preceding the date on which the claim giving rise to the liability arose. In all other circumstances, the liability limitations in our general terms will apply to the provision of account information services.

99. Communications relating to account information services: As a technology company, we prefer to communicate with you online, meaning we will:

• ·communicate general messages with a notification on our website; and
• ·communicate messages specific to you, including in the event of actual or suspected fraud, to the email address you've provided us through your subscription.

·These AIS terms are provided in English and all information and notifications under these AIS terms will also be in English.

1010. Complaints and redress: If you have a complaint relating to our account information services, please contact us through support.xero.com and we will do our best to fix the problem. If you're not happy with our response, and are based in the United Kingdom, you may be able to refer your complaint to the Financial Ombudsman Service. If you are based in the European Union, please refer to the Financial Dispute Resolution Network for guidance about who you may be able to refer your complaint to.

1111. Variation and termination: For information on how and when these AIS terms may be varied or terminated by Xero, see our general terms.

1212. Governing law and jurisdiction: These AIS terms are governed by the laws of England and any disputes relating to them will be subject to the exclusive jurisdiction of the courts of England.

1313. Definitions:

·consolidated information means a form of information created using your transaction information, as part of the account information service.

·payment account means an account that is used for the execution of payment transactions, such as a current account.

·payment service provider means an entity which provides payment services as set out in the Payment Services Regulations 2017 (eg, a bank).

·sensitive payment data means your information that could reasonably be used to carry out fraud, including your personalised security credentials (but excluding, in relation to your payment account(s), the name of the account holder and the account number).

·transaction information means the information we access from your payment account(s) concerning your payment transactions.

·Terms and conditions

·No purchase or payment necessary to enter or win. A purchase or payment will not affect your chances of winning a prize. You have not yet won. Void where prohibited by law. Subject to all federal, state, and local laws, regulations and ordinances.

11. This giveaway (Giveaway) is conducted by the Xero entity for the region in which you are a resident of (as set out in the list at the bottom of these Terms and Conditions) (Xero, we, our or us), and is open from 8am, 16 July, 2024 GMT, until 7pm, 9 August, 2024 GMT. (Giveaway Period). Xero may, at its sole discretion, extend the Giveaway Period. By entering the Giveaway, an entrant (Entrant, you or your) agrees to be bound by these terms and conditions (the T&Cs) and the additional terms and conditions set out in Schedule 1 for residents of the United States (the Additional Terms, and collectively, with the Terms when applicable, the Terms).

·Eligibility

22. To be eligible to enter the Giveaway, an Entrant must (a) at the start of the Giveaway Period, be the age of majority in your Region; (b) be confirmed by Xero to be an existing subscriber to Xero's services preceding the Giveaway Period; and (c) for the duration of the Giveaway Period, be a resident of one of the following regions (Regions):

• 1Australia
• 2United Kingdom
• 3United States (excluding Puerto Rico and the U.S. Virgin Islands and other U.S. territories and possessions)
• 4New Zealand

·(an Eligible Entrant).

33. Eligibility for the Giveaway is subject to all applicable federal, state and local laws, rules and regulations (Laws). You are responsible for confirming if your participation in the Giveaway or acceptance of the Prize violates any Laws or contract between you and any third party. Employees of Xero, or any affiliates thereof, and members of their immediate families are not eligible to enter the Giveaway.

·How to Enter

44. To enter the Giveaway, an Eligible Entrant must, during the Giveaway Period, complete the Payments Power Users survey which can be found in an email invitation from Xero, and elect to be entered into the survey by providing your details at the completion of the survey (Entry Criteria). Following which, you will be deemed to have registered as a participant in this Giveaway and accepted these Terms.

55. There will be a limit of one (1) entry per Entrant. No purchase is required to enter the Giveaway. Submissions for entry into the Giveaway received other than during the Giveaway Period, duplicate submissions, or submissions that are incomplete, illegible, or that do not conform to, or satisfy, any condition of the Terms and any submissions received by automated means or means that subvert the entry process described in the Terms will be void. Xero will determine in its sole discretion, what constitutes a valid entry. Proof of submission will not be deemed to be proof of receipt of entry by Xero. Xero has no obligation to notify you if your submission is void. No communication or correspondence will be exchanged with any Entrant except with those selected as a potential Giveaway Winner.

66. If you opt to access the Giveaway via your wireless mobile device, data rates may apply for each message sent or received according to the terms and conditions of your service agreement with your wireless carrier.

·Prize and Timing

77. The prize is a gift card issued by www.tremendous.com worth (Prize). Depending on the Winner's Region, the value of the Prize will be:

• 1United States: $250 USD
• 2Australia: $375 AUD
• 3United Kingdom: £200 GBP
• 4New Zealand: $400 NZD

·There is one (1) Prize available to be won in each Region. The Prize will be awarded in a manner of Xero's choosing, in its own discretion. The Prize cannot be replaced if lost or stolen and is not transferable, for sale, re-sale or auction. Xero gives no warranties, representations or advice in respect of the Prize and it is provided on an "as is" basis. No prize substitutions, except by Xero, who reserves the right to substitute the Prize with another prize of comparable or greater value if the Prize is not available for any reason as determined by Xero in its sole discretion. The odds of winning a Prize depends on the number of entries that meet the Entry Criteria.

88. For each Region, Xero will select one (1) Eligible Entrant at random from the entries that have met the Entry Criteria in that Region (Winner). There will be a total of four (4) Winners (one from each Region). The Winner will be notified by Xero and will be advised as to how the Prize will be made available to them. In order receive their Prize, the Winner will be required to (a) within seven (7) days of email notification by Xero, reply to Xero via email, confirming the Winner's e-mail address, full mailing address and phone number; and (b) where applicable, sign and return a Release Form (or similar document) to be provided by Xero, which, among other things: releases the Released Parties (as defined in Section 13) from any and all liability in connection with this Giveaway, the Winner's participation therein and the acceptance, use or misuse of the Prize and confirms the Winner's consent to the publication, reproduction and/or other use of their firm name in any publicity or advertising carried out by Xero in connection with the Giveaway (together the Prize Claim Steps). The Winner must also complete any and all additional documents (e.g., legal or tax-related documents) provided by Xero (if any) in connection with the awarding of the Prize and return them as instructed within the time frame specified or Winner may forfeit Prizes at Xero's sole discretion. Once eligibility has been verified and Xero receives the Winner's requested information, Xero will arrange to award the Prize. If the potential Winner is unable to participate in or accept the Prize or any portion of the Prize for any reason, Xero will have no further obligation to the potential Winner. Prize or Prize Claim Steps returned as undeliverable will result in forfeiture of the Prize. In addition, Xero reserves the right to, in its sole discretion, select an alternate Winner in the event that any potential winner fails to comply with the Terms.

99. Winner is responsible for any and all applicable federal, state, territorial, local or foreign taxes (and the reporting thereof), if any, and for all other unspecified expenses, fees, charges, or duties associated with acceptance or use of the Prize. It is the individual Winner's responsibility to understand and abide by any federal, state, territorial, local or foreign tax laws that may apply to receipt of the Prize.

1010. Xero's decisions on all matters relating to this Giveaway (including but not limited to registration of Participants and determination of the Winner, the awarding of the Prize and the operation of the Giveaway) will be final and no correspondence will be entered into regarding any of the foregoing.

1111. By entering the Giveaway you agree to the Terms set forth herein, Xero's Privacy Notice and to comply with all applicable Laws. You agree that the responses you provide as part of the Giveaway will be collected and used by Xero in accordance with Xero's Terms of Use and Xero's Privacy Notice. By registering as a participant in the Giveaway, you consent to the collection, use and disclosure of your personal information for the purposes of administering the Giveaway. You further agree that Xero may use any responses or other feedback you provide for any purpose, without any restriction, and you hereby consent to such use, and you understand that no payment or other compensation will be paid to you or your firm in connection with such use. Xero may publish or make available details of the Giveaway, including the name and region of the Winner. You can object to your details being published or made available, or reduce the amount of information published or made available, by emailing privacy@xero.com - note Xero may still be required to provide your details if required by law.

1212. Neither Xero nor its subsidiaries or affiliates, nor any of their respective Representatives (defined below) are responsible for (a) theft, alteration, destruction or unauthorized access to entries; (b) problems downloading or uploading any Giveaway-related information or data to or from any website or platform; (c) any other technical failures or malfunctions of, or experienced by, any electronic equipment, computer systems, servers, or service or other providers, phone lines, the public internet; or (d) failure of any electronic mail entry to be received by Xero on account of technical problems which may limit your ability to participate in this Giveaway.

1313. To the extent permitted by law, Xero and its affiliates and each of their respective directors, officers, employees, representatives, and agents (together, the Representatives, and together with Xero and its affiliates, the Released Parties) shall not be liable in any way (including, without limitation, in negligence), for any loss or damage whatsoever suffered (including, without limitation, direct, indirect or consequential loss, or the right to have damages multiplied or increased) or for any loss or damage or personal injury suffered or sustained in connection with the Giveaway, or acceptance, possession, or use or misuse of the Prize, and you hereby release the Released Parties from any claims or damages arising out of or related to your participation and/or entry in the Giveaway and/or your receipt, acceptance, possession or use or misuse of the Prize awarded in this Giveaway. For the avoidance of doubt, and without prejudice to the generality of the foregoing, you release the Released Parties from any loss, damages or cause of action in relation to (a) any technical errors associated with the Giveaway; (b) unauthorized human intervention in the Giveaway; and (c) any other errors or problems in connection with the Giveaway, including, without limitation, errors that may occur in the administration of the Giveaway.

1414. In the event that Xero receives an insufficient number of entries that meet the Entry Criteria and/or Xero is prevented from awarding a Prize or continuing with the Giveaway as contemplated herein by any event beyond its control, including without limitation, fire, flood, natural or man-made epidemic of health of other means, satellite, technical or equipment failure, then Xero shall have the right to modify, suspend, or terminate the Giveaway. If the Giveaway is terminated before the designated end date, Xero will (if possible) award the Prizes from among the entries that meet the Entry Criteria or the US Entry Criteria, as applicable, received as of the date of the event giving rise to the termination.

1515. Xero reserves the right, in its sole discretion, to cancel, modify or suspend the Giveaway if any fraud or any other factor impairs the integrity or proper functioning of the Giveaway, for any other reason whatsoever without liability. In the event of termination of the Giveaway, Xero may award the Prize from among the eligible entries received up to the time of the suspension or termination, whichever date occurred first.

1616. If there's any part or provision of these Terms that is declared illegal or unenforceable by a court of competent jurisdiction, then the remainder of these Terms shall remain in full force and effect.

1717. This Giveaway is in no way sponsored, endorsed or administered by any social media platforms on which the Giveaway may have been promoted and/or publicized and/or used to announce the Winner. Any questions or comments regarding a Giveaway must be directed to Xero and not to any social media platforms.

1818. You acknowledge that a copy of these Terms has been provided to you. If you have any questions regarding the Giveaway, or if you would like confirmation of the Giveaway Winner once they are named, please contact Xero at: researchoperations@xero.com.

1919. The following list sets out, for the Region you reside in, the applicable Xero entity and the laws that govern the Terms and the Giveaway. By participating, you irrevocably consent and submit to the jurisdiction of such courts. Country: Australia

·Xero entity and registered office: Xero Australia Pty Limited 1/6 Elizabeth Street Hawthorn Melbourne VIC 3122 Governing Law: Victoria, Australia Country: United Kingdom

·Xero entity and registered office: Xero (UK) Limited Bank House 171 Midsummer Boulevard Milton Keynes, MK9 1EB Governing Law: England Country: United States

·Xero entity and registered office:

·Xero, Inc. 1615 Platte Street Suite 400 Denver, CO 80202 Governing Law: State of Colorado, USA Country: New Zealand

·Xero entity and registered office: Xero (NZ) Limited 19-23 Taranaki Street Wellington Central, Wellington 6011 New Zealand Governing Law: New Zealand

Schedule 1Schedule 1 - US Additional Terms

11. The following additional terms and conditions (US Schedule) apply to Giveaway Entrants located in the United States of America. If there is a conflict between this US Schedule and the T&Cs, this US Schedule will control. Capitalized, but undefined terms in this US Schedule have the meanings given to them in the T&Cs.

22. The Giveaway is open from 12am, 16 July, 2024 PDT, until 11am, 9 August, 2024 PST (the Giveaway Period). Xero may, at its sole discretion, extend the Giveaway Period.

33. There are two methods of entry, both of which are online. An Eligible Entrant must complete one of the following steps during the Giveaway Period:

• 1Enter via survey. To enter, you must during the Giveaway Period, complete the Payments without invoices Survey which can be found in an email invitation from Xero, and elect to be entered into the survey by providing your details at the completion of the survey.
• 2Enter via email. To enter, you must email researchoperations@xero.com stating that you wish to be entered into the Drawing (the effective time and date for an email entry in order to be eligible is the date and time of receipt of the email by Xero).

·(the US Entry Criteria) after which you will be deemed to have registered as a participant in this Giveaway and accepted these Terms.

44. You agree that unless you are prohibited from law in doing so, you promise you will bring any and all disputes, claims and causes of action against the Released Parties, without resort to any form of class action. Each Entrant agrees to fully indemnify Released Parties from any and all claims by third parties relating to the Giveaway, without limitation.