Terms and Conditions of Use

Last updated: 30 June 2026

Introduction and Legal Terms

By accessing or using our website, www.vargo.co.za, or any related platform or application (collectively, “the Platform”), or any of our services, you agree that you have read, understood, and agree to be bound to the terms and conditions contained herein (“Terms”). All rights in and to the content of the Platform always remain expressly reserved by Saltera (Pty) Ltd trading as Vargo (“Vargo”).

These Terms explain the terms and conditions applicable to how you will use the Platform. Please read these Terms carefully before using the Platform. We will assume you have read and understood these Terms if you continue to access or make use of our Platform.

Please pay specific attention to the BOLD paragraphs of these Terms. These paragraphs limit our risk or liability, constitute an assumption of risk or liability by you, impose an obligation on you to indemnify us or is an acknowledgement of any fact by you.

The terms “user”, “you" and “your” are used interchangeably in these Terms and accordingly refer to anyone using the Platform for any reason whatsoever. Accordingly, the terms “us”, “our” or “we” refers to Vargo or our possession.

Our Services

What Our Platform Offers

Vargo is a registered credit provider (NCR Registration Number: NCRCP24251) who provides short-term personal loans to qualifying consumers subject to the National Credit Act No. 34 of 2005 (“NCA”).

The Platform allows qualifying users to apply for, and if successful, obtain short-term personal loans from Vargo, subject to these Terms and the NCA. This is facilitated through the following services:

• Allowing users to create an account through our Platform;
• Allowing users to submit loan applications through our Platform;
• Subject to Vargo approving any loan application, allowing users to receive and sign the loan agreement;
• Allowing users to view current loan applications, previous loans from Vargo, their selected bank account and other personal details as well as copies of their loan agreement, settlement letter and statement of account; and
• Any other services available on the Platform from time to time,

(collectively, “Services”).

Our Process

When you create an account and submit a loan application through the Platform, you will be required to provide the information and supporting documents requested on the Platform (and/or as otherwise requested by Vargo from time to time). You must ensure that all information you provide is accurate, current, complete and not misleading.

Once we have received your loan application (and any additional information and/or supporting documents requested), Vargo will review and assess your application in accordance with its internal assessment processes and eligibility requirements and may conduct such checks and verifications as permitted by applicable law. You expressly consent to Vargo using any information provided by you for this purpose and to Vargo (and its operators, agents and service providers) obtaining, verifying, exchanging and processing information about you (including, where applicable, information held by credit bureaux and credit information held by credit bureaux) and conducting credit bureau checks/credit checks in order to assess your application, determine your eligibility and affordability, consider whether to grant you credit, and (if credit is granted) to manage, monitor and review the credit and your account. Vargo may approve or decline any application in its sole and absolute discretion, for any reason permitted by applicable law.

If your application is approved, we will send you a pre-agreement statement and quotation setting out the proposed credit terms (which quotation will be binding for 5 (five) business days). If you accept the quotation within that period, we will send the applicable loan agreement to you electronically for signature, enabling you to review and sign the loan agreement electronically (which will also be available in your account through the Platform and emailed to the address you provided).

Any loan advanced by Vargo to you will be regulated solely by the separate written/electronic loan agreement concluded between you and Vargo (the “Loan Agreement”). These Terms regulate your access to and use of the Platform and the Services, and do not constitute an offer of credit and do not set out the credit terms applicable to any loan.

All terms specific to any loan, including (without limitation) the approved loan amount, repayment term, interest rate, fees, charges, repayment method and any other conditions, will be set out in the Loan Agreement.

In the event of any conflict or inconsistency between these Terms and the Loan Agreement, the Loan Agreement will prevail to the extent of such conflict or inconsistency.

Service Disclaimers

Any functions, features and/or other services on the Platform are subject to change at any time and in our sole discretion. The available and applicable Services will be displayed on the Platform from time to time.

Users acknowledge and understand that data stored on the platform may be hosted by a third-party service provider who may be outside of the Republic of South Africa. We retain access to all data so provided. Please see our Privacy Policy for further information in this regard and how we process your personal information.

Users acknowledge and agree that submitting a loan application through the Platform does not create any obligation on Vargo to approve, advance, or provide any loan or other credit to the user. All loan applications are subject to Vargo's internal assessment processes and eligibility requirements, and Vargo may approve or decline any loan application in its sole and absolute discretion, for any reason permitted by applicable law. Where Vargo elects to approve any loan, such approval will be subject to such terms and conditions as Vargo may determine in its sole and absolute discretion, including (without limitation) the loan amount, interest rate, fees, repayment term, security (if any), and any supporting documentation or verifications required. Any indication on the Platform that a user may qualify, any estimated loan terms, or any pre-assessment outcome is provided for convenience only, is not binding on Vargo (unless otherwise specified in writing), and does not constitute an offer of credit. Any loan will only be concluded once the parties have entered into a separate written/electronic loan agreement, on the terms set out therein.

Special Offers

From time to time, Vargo may (in its sole discretion) introduce special or promotional offers. These will be governed by separate terms and conditions, which may be published on the Platform at the time of launch.

Automated Processing and AI Tools

We may use automated processing tools, artificial intelligence, machine learning, analytics, speech-to-text, call recording analysis, quality assurance tools, chatbots, virtual assistants and similar technologies from time to time in connection with the Platform and our services. These tools may be used to process your personal information, communications, call recordings, voice data, transcripts, application information, account information, repayment history and other information relating to your use of the Platform, for purposes including (without limitation) operating and improving the Platform, customer support, sales and collections communications, credit and affordability assessment, fraud prevention, risk management, quality assurance, staff training, compliance, record-keeping and account administration and you hereby consent to such use.

These tools may be operated by us or by third-party service providers, including providers located or hosting information outside South Africa, in which case we will take steps required by applicable law to protect your personal information. Automated tools may assist us by generating recommendations, summaries, classifications, scores, draft responses or workflow actions, but we will not make decisions about you which have legal consequences or substantially affect you solely on the basis of automated processing, unless permitted by law and subject to any safeguards required by law. Where consent is required for any specific processing activity, we will request it in the manner required by law.

Insurance

Vargo may, as a condition to the approval and/or advancement of any loan, require that the user maintains appropriate insurance of a type and on terms specified by Vargo from time to time, subject always to: (i) compliance with the NCA (including any applicable regulations); and (ii) the terms of the applicable written/electronic loan agreement concluded between the user and Vargo. Where insurance is required, the requirement, minimum parameters (as applicable) and any timing for providing proof of cover will be communicated to the user in writing.

Vargo does not: (i) arrange, negotiate, enter into, administer, collect premiums for, or claim under any insurance policy on behalf of any user; (ii) provide any financial advice, financial service, intermediary service, recommendation, opinion or guidance in relation to insurance products, insurers, policy terms, suitability, affordability, exclusions or benefits; or (iii) act as an agent or representative of the user or of any insurer. Any decision to obtain insurance, the selection of any insurer or product, and the terms and performance of any insurance policy are the user's responsibility. Vargo may provide the user with factual information and/or contact details of one or more independent insurance providers that offer insurance products of a type that may meet any relevant requirement. Any such information is provided for convenience only and must not be construed as advice, a recommendation, or an endorsement of any provider or product. Any insurance policy (if obtained) is concluded directly between the user and the insurer, and the insurer remains solely responsible for disclosures, advice (if any), underwriting, policy administration and claims.

For the avoidance of doubt, unless expressly stated in the Loan Agreement, the existence, absence, validity or performance of any insurance policy will not limit or reduce the user's obligations to Vargo under any loan, including the obligation to repay all amounts due.

Registering a Profile with the Platform

Free Use: You are welcome to browse our Platform and the public pages for free without needing to create a profile. Free access means that you will have limited access to features and functions of the Platform.

Creating a Profile: To make use of certain of the Services, we require you to create a profile with us. To protect your privacy and security, we take reasonable steps to verify your identity by requiring your password together with your phone number to grant you access to your profile and information. Please update your information yourself through your profile or contact us to view or change your personal information provided.

Vetting of Information: To be eligible to join the Platform and/or access the Services, we may request you to provide us with copies of, and/or information relating to, certain documents and information required for customer due diligence and verification purposes, including as may be required under the Financial Intelligence Centre Act, 2001 and any other applicable anti-money laundering, counter-terrorist financing and "know your customer" (KYC) requirements. This may include (without limitation) proof of identity and age, proof of residential address, contact details, tax and/or residency information, banking and account ownership details, employment and income information, source of funds and/or source of wealth information, and any other information or supporting documentation that Vargo may reasonably require from time to time (including for ongoing due diligence, monitoring, and to comply with legal, regulatory and risk management obligations). You expressly consent to us using third-party service providers and external suppliers (including verification service providers, KYC/identity verification vendors, fraud prevention services, payment/bank account verification services and credit bureaux, where applicable) to verify and validate any information and supporting documentation you provide, and to us sharing and exchanging information with such third parties to the extent necessary to perform such verification and related checks as permitted by applicable law. We use this information to, amongst others, verify the information provided during registration, verify user identity, assess eligibility for and provision of the Services, and to conduct checks and verifications as permitted by applicable law.

You hereby expressly authorise and consent to use, either directly or through a duly authorised third-party service provider, using your identity number and any other information reasonably required to obtain, verify, access and process your bank account statements and related banking information for the purposes of assessing your creditworthiness, conducting affordability assessments, preventing fraud, administering these Terms and any Loan Agreement, and complying with applicable legal and regulatory obligations. You acknowledge that such information may be obtained electronically from your bank or from a service provider authorised to facilitate the retrieval of banking information, and consent to the processing of such information in accordance with applicable data protection laws.

Accurate Information: When signing up to and/or making use of our Platform you agree to provide accurate, current and complete information and to update this information as and when it changes. Vargo may reject any document that is incomplete, illegible, expired, inconsistent or not reasonably acceptable to Vargo, and may require re-submission, certification and/or verification (including by contacting third parties) before onboarding is approved. The user warrants that all such information provided is true, accurate, current and not misleading, that it has all rights, permissions and consents necessary to provide such material to Vargo and for Vargo to display and use it on the Platform for the purposes of operating the Platform and providing the Services and that the use and publication of such material will not infringe any third-party rights (including intellectual property, confidentiality and privacy rights).

Warranty: By sharing your personal information with us, you warrant that the person using the Platform is you and that you are a natural person. You are responsible for the information you provide, and all the actions taken on the Platform. Please see our Privacy Policy for more details on how we use and process personal information.

Unlawful Access: Please let us know if you have reason to believe that your profile is no longer secure (for example, in the event of a loss, theft or unauthorised disclosure or use of your username, password, or any other relevant information) to avoid possible liability for any unauthorised charges to your account.

Responsibilities and Warranties

Platform Warranties: by using the Platform and/or the Services, you warrant that -

• you have read and agreed to these Terms and will use the Platform and Services in accordance with them and in good faith;
• you have not made any misrepresentations and the information provided in the registration process and/or during the use of the Platform about you and your status is true, accurate and complete in every aspect;
• you are a natural person above the age of 18 (eighteen) years old and have the legal capacity to understand, agree with and be bound with these Terms;
• you have the authority and consent to sign-up to our Platform and share personal information with us and indemnify Vargo against any third-party claims that may arise in respect the sharing of personal information;
• you will not post, upload, replicate or transmit any abusive content on the Platform that is or could reasonably be considered to be threatening, harassing, defamatory, abusive, racist, sexist, discriminatory, in breach of confidence, in breach of privacy or restrict any user in any way from properly using the Platform;
• you will not send any unsolicited electronic messages or use any software, routine or device to interfere or attempt to interfere electronically or manually with the operation or functionality of the Platform including but not limited to uploading or making available files containing corrupt data or viruses via whatever means or deface, alter or interfere with the front end ‘look and feel’ of the Platform or the underlying software code;
• you will not infringe the intellectual property or other rights of any third party or the Platform or transmit content that you do not own or do not have the right to publish or distribute;
• you will not use the Platform for any commercial purpose other than as expressly provided for by Vargo herein;
• you will not use the Platform to breach any applicable law or regulation or perform or encourage any illegal activity including (without limitation) promoting or facilitating money laundering or financial crimes; and/or
• you will not facilitate or assist any third party to do any of the above,

failing which, such action will automatically and immediately be deemed to be a material breach of these Terms, allowing Vargo to manifest all of our rights in the case of breach, including but not limited to denying you access to the Platform/Services, reporting your actions to an applicable authority or instituting legal proceedings against you.

Connected Devices: The Platform is only available on compatible devices connected to the internet. It is your responsibility to obtain these devices and any connectivity necessary to use the Platform. We do not guarantee that the Platform, or any portion thereof, will function on any particular hardware or device.

Access to Platform in Breach: Without prejudice to any of our other rights (whether at law or otherwise), we reserve the right to deny you access to the Platform where we believe (in our sole reasonable discretion) that you are in breach of any of these Terms.

Data Processing

We will store and process all data you provide to us when signing up to our Services and through your account when using the Services, in accordance with applicable data protection legislation (including the Protection of Personal Information Act 4 of 2013 (“POPIA”)) and our Privacy Policy.

You hereby grant us the right to use and process your data as a responsible party and/or an operator (as defined under POPIA) for the purpose of providing our Services to you. We will process, store and maintain your data for such period of time necessary to provide our Services to you as our customer (subject to any other retention in terms of our data retention policy contained in our Privacy Policy).

Please see our Privacy Policy for more information on how we process personal data.

Messages and Advertising

Data Messages between You and Vargo

Data messages, including email messages, you send to us will be considered as received only when we acknowledge or respond to these messages.

Data messages we send to you will be regarded as received when the data message enters your email server inbox and is capable of being retrieved and processed by you.

We reserve the right not to respond to any email or other data message that contains obscene, threatening, defamatory or otherwise illegal, unlawful or inappropriate content, and to take appropriate action against the sender of such email or data message if necessary.

Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy or safety of any message sent by email or over the internet.

Hyperlinks, Deep Links, Framing

The Platform may include links to other websites ("other sites"). We do not own or endorse these other sites and are not responsible for the information, material, products, or services contained on or accessible through these other sites. Any hyperlinks do not imply any endorsement, agreement on or support of the content or products of these other sites.

We do not own the content on any other site which may be shown on the Platform. Should the owner of any content showcased on the Platform want the content to be removed, please contact us to request the removal of such content.

Your access and use of the other sites remain solely at your own risk and on the terms set by the operator of any other site.

Intellectual Property

Platform IP: All website layout, website content, material, illustrations, information, data, software, icons, text, graphics, layouts, images, sound clips, advertisements, video clips, user interface design and layout, trade names, logos, trademarks, designs, copyright and/or service marks, together with the underlying software code, (“the intellectual property”) are owned (or co-owned or licenced, as the case may be) by Vargo, our shareholders, associates and/or partners, whether directly or indirectly, and as such, are protected from infringement by domestic and international legislation and treaties.

User submitted IP: All rights to any intellectual property you provide to us will remain with you, but for which you have provided us with a non-exclusive, non-transferable licence to use such intellectual property to provide you with our Services including the use of our Platform.

No Modification of IP: Subject to the rights afforded to you in these Terms, all other rights to all intellectual property on the Platform are expressly reserved. You may not copy, download, print, modify, alter, publish, broadcast, distribute, sell or transfer any intellectual property, editorial content, graphics or other material or the underlying software code whether in whole or in part, without our written consent first being granted, which consent may be refused at our discretion. No modification of any intellectual property or graphics is permitted. Should you breach these provisions, we and/or the rightful intellectual property rights owner may launch legal proceedings against you for a breach of contract, resulting in a claim of damages against you.

Updates: We reserve the right to make improvements or changes to the intellectual property, information, videos, graphics, and other materials on the Platform/Services, or to suspend or terminate the Platform and/or any Services, at any time without notice; provided that any transactions or functions already concluded, will not be affected by such suspension or termination (as the case may be).

Third Party IP: Where any intellectual property has been licensed to us or belongs to any third party, all rights of use will also be subject to any terms and conditions which that licensor or third party imposes from time to time, and you agree to comply with such third-party terms and conditions.

User License: Subject to adherence to the Terms, we grant to you a personal, non-exclusive, non-assignable and non-transferable license to use and display all content and information on any machine of which you are the primary user. However, nothing contained on the Platform or in these Terms should be construed as granting any licence or right to use any intellectual property without our prior written permission.

User Requested Features: If any user of the Platform requests any new or additional feature, app, function or service in respect of the Platform or the Services, we may choose (but shall not be obliged to) develop and/or provide such feature, app, function or service. In such case, all intellectual property rights in relation thereto shall vest in and be solely owned by Vargo notwithstanding any such request by any user and/or any ideas shared by such user.

Indemnities and Disclaimers

Disclaimers

The Platform and Services, including intellectual property appearing therein, are provided "as is" and "as available". We make no representations or warranties, express or implied, including but not limited to warranties as to the accuracy, correctness, or suitability of either the Platform or the Services.

All content, information, and/or opinions of users made available on the Platform in relation to any of the Services are those of the authors and not Vargo. While we make every reasonable effort to present such information accurately and reliably on the Platform we do not endorse, approve, or certify such information, nor guarantee the accuracy or completeness of such information on the Platform.

We take reasonable security measures to ensure the safety and integrity of the Platform and to exclude viruses, unlawful monitoring and/or access from the Platform offline. However, we do not warrant or represent that your access to the Platform will be uninterrupted or error-free or that any information, data, content, software, or other material accessible through the Platform will be free of bugs, viruses, worms, trojan horses or other harmful components. Your access to and use of the Platform remains solely at your own risk, and you should take your own precautions accordingly.

Indemnities

To the extent legally permissible, Vargo, its shareholders, directors, employees, partners, and affiliates, accept no liability whatsoever for any loss, costs, expenses, fines, or damages, including but not limited to direct or indirect loss or damages, including any economic loss, consequential loss, loss of profits or any form of punitive damages (and you indemnify Vargo accordingly) arising from any breach by you of these Terms or any Loan Agreement.

This clause will survive termination of these Terms.

Dispute Resolution

Disputes between you and Vargo

Negotiation - Should any dispute, disagreement or claim arise between you and Vargo concerning the use of the Platform or the Services, the parties shall endeavour to resolve the dispute amicably, by negotiation, and with the best interests of both parties in mind.

Jurisdiction - Notwithstanding the above, both parties' consent to the jurisdiction of an appropriate South African court. Either party may also always use the dispute resolution services of any applicable legislative tribunal or ombud, as provided for in applicable legislation.

No publication - The parties both agree that in no circumstance will either party publicise the dispute on any social media or other public platforms. The parties understand that any publicity of this nature can cause serious damage to the other party, which damage may result in a financial claim against the infringing party. For the avoidance of doubt, the foregoing will not prevent Vargo from disclosing any information to any credit bureaux or as otherwise contemplated in these Terms or any Loan Agreement.

Disputes between Users and Third Parties

Private Dispute: Should a dispute arise between a user and any third party service provider, said dispute is between these parties exclusively. Vargo is not responsible for fulfilling any function in any way or engaging in the dispute in any way.

Notification: Notwithstanding the above, the user must inform Vargo of the dispute for Vargo to log the issues experienced, and to try assist both parties in whatever way it deems fit but is under no obligation to do so.

Termination of Use

In addition to our other rights herein, we reserve the right to:

1. Restrict and/or terminate your use of our Platform and/or Services without notice if you breach any of these Terms or where there are reputational concerns; or
2. For any other reason in our sole discretion provided that we give reasonable notice to you where reasonably practicable.

If you wish to terminate your agreement with these Terms, you may do so by closing your account and ending use of our Platform. Such termination will however not have any effect on the continued functioning or enforceability of any lawful rights which we may have at the time of such termination.

In the event of termination of your agreement with these Terms, we may remove (or disable) your account access to the Platform. For the avoidance of doubt, any termination of these Terms and/or removal of your access to the Platform will not terminate, affect or prejudice any Loan Agreement concluded between you and Vargo, and all rights and obligations under any such Loan Agreement will continue in full force and effect until fully discharged in accordance with its terms and applicable law (provided that your access to the Platform may be limited).

Notices and Service Address

Each of the parties chooses their service address for the purposes of the giving of any notice, the serving of any process and for any other purposes arising from these Terms as being:

• in the case of Vargo, at the email address specified under “Platform Information” below; or
• in the case of the user, at the e-mail address, cell phone number, and/or physical address provided when registering with us.

Each of the parties will be entitled from time to time, by written notice to the other to vary its service address to any other address which is not a post office box or poste restante, provided that the change will become effective only 14 (fourteen) calendar days after service of the notice in question.

Notwithstanding the above, any notice given in writing in English, and actually received by the party to whom the notice is addressed, will be deemed to have been properly given and received, notwithstanding that such notice has not been given in accordance with this clause.

For the avoidance of doubt, in relation to any Loan Agreement concluded between the user and Vargo, the notices and service address provisions (including any chosen domicilium citandi et executandi and methods of delivery) set out in that Loan Agreement shall take precedence over, and shall apply in substitution for, this “Notices and Service Address” clause to the extent of any conflict or inconsistency.

Platform Information

Site owner: Saltera (Pty) Ltd trading as Vargo
Registration Number: 2025/921931/07
Legal status: Private Company
Description of business: Short-term personal credit provider
Platform address: www.vargo.co.za
Email address: support@vargo.co.za
Telephone number: +27 71 301 1094
Address: 12 Stibitz Street, Westlake, Cape Town, Western Cape, 7945
Postal address: 12 Stibitz Street, Westlake, Cape Town, Western Cape, 7945

General

Relationship Between the Parties - The relationship of the parties, inter se, shall be governed by these Terms and nothing contained herein shall be deemed to constitute a partnership, joint venture, employer/employee relationship, agency relationship, or the like between them. No party shall, by reason of the actions of the other party, incur any personal liability as a co-partner to any third party.

Force Majeure - If either party is prevented, whether in whole or in part, or delayed from performing any of its duties, functions or obligations under these Terms, whether timeously or at all, due to an event out of their control (which for the purposes hereof shall mean war, political riots, civil commotions, electrical load-shedding or surges, legal prohibitions or restrictions, epidemics, pandemics, governmental lockdowns, fire, floods or other similar natural disasters), then such failure shall not constitute a breach under these Terms, and the obligation to perform shall be suspended to the extent and during the continuance of such prevention provided that the relevant party shall use their reasonable commercial endeavours to minimise any delay occasioned.

Change Without Notice - The Platform, Services and these Terms are subject to change by us without notice. These Terms are updated or amended from time to time and will be effective once we upload the amended Terms to the Platform. Your continued access or use of the Platform constitutes your acceptance to be bound by these Terms, as amended. It is your responsibility to read these Terms periodically to ensure you are aware of any changes.

Entire Agreement - This document contains the entire agreement between the parties in relation to the subject matter hereof. Save as contemplated above (“Change Without Notice”), no alteration, cancellation, variation of, or addition hereto will be of any force or effect unless reduced to writing and signed by all the parties to these Terms or their duly authorised representatives.

No Indulgence - No indulgence, leniency or extension of time granted by Vargo shall constitute a waiver of any of its rights under these Terms and, accordingly, Vargo shall not be precluded as a consequence of having granted such indulgence, from exercising any rights against any user which may have arisen in the past or which might arise in the future.

Importation of Words - Words importing the singular will include the plural and vice versa. Words importing one gender will include the other genders, and words importing persons will include partnerships, trusts, and bodies corporate, and vice versa.

Headings as Reference - The headings to the paragraphs in these Terms are inserted for reference purposes only and will not affect the interpretation of any of the provisions to which they relate.

Governing Law - Your access and/or use of the Platform and/or the Services, any downloaded material from it and the operation of these Terms (including any transaction concluded pursuant thereto) shall be governed by and construed in accordance with the laws of the Republic of South Africa.

Breach – Subject to applicable law, in the event of a user breaching these Terms, the user shall be liable for all legal costs (on the scale as between attorney and client) (including collection commission) which may be incurred by Vargo in relation to the breach.

Severability - Each sentence, paragraph, term, clause and provision of these Terms and any portion thereof shall be considered severable and if for any reason, any such sentence, paragraph, term, clause or provision is held to be invalid, contrary to, or in conflict with any applicable present or future law or regulation or in terms of a final, binding judgment issued by any court, it shall to that extent be deemed not to form part hereof and shall not impair the operation of, or have any effect upon such other sentence, paragraph, term, clause or provision hereof as may otherwise remain valid or intelligible, which shall continue to be given full force and effect and bind the parties hereto.

Prohibited Provision - No term or condition of these Terms is intended to breach any peremptory provisions of any consumer protection legislation and any regulations thereto ("Prohibited Provision"). Any breach of any such Prohibited Provision shall be governed by the “Severability” provisions above.

Third Party Benefits - Third parties may accept and enforce the benefits of these Terms to the extent expressly provided, but only with the written consent of Vargo. Nothing in these Terms grants any other rights to third parties beyond those explicitly stated.