5.1. You will not, nor allow third parties on your behalf to: (i) make and distribute copies of the FiGO Application; (ii) attempt to copy, reproduce, alter, modify, transfer, exchange or translate the FiGO Application; (iii) reverse engineer, disassemble or decompile the FiGo Application software save to the extent that you cannot be prohibited from doing so under applicable law; or (iv) create derivative works of the FiGO Application of any kind whatsoever.
5.3. If you are not the bill payer for the mobile telephone or handheld device being used to access the FiGO Application, you will be assumed to have received permission from the bill payer for using the FiGO Application.