Owner Perks

For you and your business

At TELUS, we know that running a small business can be difficult - that is why we are bringing you exclusive savings on products and services you know and love. Discover over $3,000¹ savings for you and your business from our partners.

How it works

1

if you don’t have an account

2

Choose the offer you are interested in

Select the offer you are interested in to see more details

3

Redeem the offer

Click on the offer and follow outlined steps to redeem

Perks for you and your business

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Perk for you

Perks for your business

Perks from TELUS

Showing 23 of 23 perks

Perks for your business

Enjoy a $200 gift card with purchase of a Moneris® Go terminal

Get a complimentary $200 gift card, redeemable at top online retailers when you sign up & get Moneris Go®. An out of box solution with wireless & Wi-Fi connectivity included so you can start selling right away.²

Redeem and go

Perks for your business

Perk for you

Save 2.5 cents/litre³ when you sign up for SuperPass.

Petro‑Canada SuperPass™ is perfect for small or enterprise fleet management. A convenient one card solution with online fuel management and 24/7 dedicated service.

Perks for your business

Save 15%⁴ on expert virtual assistant services

Partner with a Virtual Guru and transform your workday with a Virtual Assistant—from admin to executive support and more. Exclusive TELUS offer: Enjoy 15%⁴ off your first three months.

Perks for your business

Perk for you

Save up to 40% off your accommodation with Booking.com

Whoever you are, whatever you’re looking for, Booking.com has the perfect place for you. With over 28 million listings worldwide including homes, apartments, and other unique places to stay⁵.

Perk for you

Perks for your business

Stay on Budget® when choosing your car rental

Save up to 35% off base rates with Budget® Pay Now. Plus, check additional offers and benefits often available.⁶

Perk for you

Perks for your business

Upgrade your rental with Avis®

Save up to 30% off base rates with Avis® Pay Now. Plus, get a complimentary upgrade to enjoy your ride even more.⁷

Perks for your business

Pay $0 for your first 4 months of Sage Payroll & HR⁸

Run your small business efficiently and easily with powerful Sage Payroll and HR solutions. Get your first 4 months of Sage Payroll and HR for $0 ⁸ when you sign up as a new customer.

Perk for you

Perks for your business

Make the most of your business spending with Avion® Visa

Earn 35K Avion Welcome points upon approval⁹ + 2x points on up to $10,000 in net purchases within the first year¹⁰ (up to 60K points!¹¹). Plus, no annual fee for the 1st year⁹. Apply by Jan 31, 2025.

Perks for your business

Spend $25 and get $10 back¹² when shipping with ClickShip!

Take advantage of a full suite of eCommerce integrations and shipping features like bulk shipping and shipping rules. Try Clickship’s simple to use shipping platform with quick ship features.

Perks from TELUS

Get a $100 bill credit when you successfully refer a business to TELUS

Refer a business to TELUS and you’ll get a $100 bill¹³ credit when they activate a business smartphone plan. Plus, give them access to amazing mobility offers.

Limited time offer

Perks for your business

Get a $40 Amazon gift card when you request a free quote¹⁴

Enjoy low-cost, custom-tailored business insurance from Zensurance from only $19/mo. For a limited time, get a $40 Amazon gift card when you apply for a free quote. No purchase required.

Perks for your business

Enjoy 5% off on commercial insurance with TruShield¹⁵

Protect the small business you’ve worked so hard to build, with coverage tailored to your unique business needs and easy to understand policies from TruShield.

Perk for you

HelloFresh - Save up to $290 over 7 weeks

As a TELUS Business customer, save up to $290 on meal kits when you sign up for HelloFresh. Enjoy Canada’s #1 meal kit that makes home cooking easy and affordable. ¹⁶

Perks for your business

Start a free trial and get 75% off the first three months.¹⁷

AutoEntry is the fastest way to capture, categorize and publish your financial documents straight to your accounting software. Save time by automating data entry of receipts, invoices, and expenses.

Perk for you

Perks for your business

Give your team a competitive edge — and save over 20%.

Your people are your greatest asset. Equip them with a digital Globeandmail.com Group Subscription for trusted insight from Canada’s most award-winning newsroom. Easy to manage. Unlimited potential.

Perk for you

Enjoy your favorite publications free for 3 months

Unlock unlimited access to hundreds of newspapers and magazines, all in the Cafeyn app. Enjoy offline reading, free downloads, and personalized reading recommendations.

Perk for you

Staying north or heading south?

Unlock powerful benefits when you open Canadian and U.S. RBC¹⁸ bank accounts. Benefits on both sides of the border? That’s a win-win.

Perks for your business

Keep Your Company in Good Standing. Manage Your Business Free¹⁹ for 1 Year with Ownr.

Keep your corporation’s minute book up to date and never miss filing your mandatory annual legal return with the government.

Perks for your business

Get 20% off when you digitally incorporate your business.²⁰

Start and grow your business with Ownr’s all-in-one platform for small business. Thousands of businesses trust Ownr to incorporate.

Perk for you

Perks for your business

Get started for free and save 30% on every employee invited to the program.

Elevate your employee benefits program with perks and savings. WorkPerks provides a growing list of offers on life’s essentials, seasonal promotions, and more, from brand names and local favourites.²¹

Perks for your business

Save 25% on CFIB Membership

Join CFIB today and enjoy a 25% discount on your first year of membership. CFIB supports your business with policy advocacy, personalized advice from knowledgeable advisors, and exclusive savings opportunities.²²

Perks from TELUS

Get exclusive deals on TELUS Home Services.

TELUS Business customers with 13+ employees are eligible for the best deals in the market on TELUS Home Services. Available to both new and existing customers.

Perks from TELUS

Get your business featured today

ShopWithOwners.ca is a new online platform to help business owners across Canada gain exposure to customers looking for local finds and gifts during the holiday season.

Apply today

View terms and conditions

TELUS Business customers’ access to over $3,000 in savings, is based on the potential total savings from the sum of all partners’ offers and are subject to the terms and conditions of each offer. The value of each offer is subject to change at the discretion of each partner. Visit Owner Perks website for savings details on each partner's offer. TELUS will not be a party to the contract between the customer and the partner, if an offer is successfully accepted. TELUS is not responsible for the provision of partner's products or services to the customer. TELUS makes no representations or warranties to the customer with respect to the partner's product(s) or service(s). All representations and warranties, including those implied by law, are hereby disclaimed. Offers may be modified or withdrawn by such partners at any time without notice. Network logos and names are trademarks of their respective owners. All copyrights for images, artwork and trademarks are the property of their respective owners.
Conditions apply. In order to qualify you must sign up as a new Moneris merchant, order a Moneris Go device and process a transaction within 30 days. Offer limited to one (1) per merchant. Digital gift cards can be redeemed online at various retailers. Click
here
for complete offer details.
Offer available to new SuperPass customers only who have not held a SuperPass account in the last 12 Months. All fuel purchases made with an account which has been established in connection with this offer will be subject to a discount of $0.025 per litre. Discounts apply only to purchases made at participating Petro-Canada retail sites and are not applicable to purchases made at cardlock (Petro-Pass) locations. Offer is non-transferable, and subject to credit approval in Petro-Canada’s discretion. Receipt of this offer is not a pre-approval of any application for credit with Petro-Canada, and acceptance of any such application is not guaranteed. SuperPass cardholder terms and conditions apply. You must click on the Apply Now button above to activate and be eligible for this offer. Offer subject to change or termination in Suncor’s discretion on reasonable notice.
This offer is valid for first-time Virtual Gurus customers and is subject to change without notice. The discount will apply for the first three months of your subscription, after which you will be charged full price. This offer is valid for new Virtual Gurus customers only. Offer valid through May 1, 2025.
You are not allowed to copy, circulate, distribute or cite the perk we provide.
The savings of up to 35% applies to Budget Pay Now rates and is applicable only to the time and mileage charges of the rental. Offer does not apply to car group X. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Travel Program Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Offer is available for U.S. and Canadian residents only for rentals at participating locations in the U.S. and Canada. Offer may not be used in conjunction with any other BCD number, promotion or offer.Weekly rates require a minimum five day rental period. Weekend rate available Thursday noon; car must be returned by Monday 11:59 p.m., or higher rate will apply. A Saturday night keep and an advance reservation may be required. Offer is subject to vehicle availability at the time of rental and may not be available on some rates at some times, including some online rates at Budget.com. Car rental return restrictions may apply. Offer subject to change without notice. Holiday and other blackout periods may apply. Renter must meet Budget age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge may apply for renters under 25 years old.
The savings of up to 30% applies to Avis Pay Now rates and is applicable only to the time and mileage charges of the rental. Offer does not apply to car group X. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Travel Program Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Offer is available for U.S. and Canadian residents only for rentals at participating locations in the U.S. and Canada. Offer may not be used in conjunction with any other AWD number, promotion or offer. Weekly rates require a minimum five day rental period. Weekend rate available Thursday noon; car must be returned by Monday 11:59 p.m., or higher rate will apply. A Saturday night keep and an advance reservation may be required.Offer is subject to vehicle availability at the time of rental and may not be available on some rates at some times, including some online rates at Avis.com. Car rental return restrictions may apply. Offer subject to change without notice. Holiday and other blackout periods may apply. Renter must meet Avis age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge may apply for renters under 25 years old.
https://sage.hr/terms-and-conditions
To be exempt from the annual fee for the first year (“Annual fee Waiver”) and to receive 35,000 welcome Avion points (“Welcome Points”), your application for the RBC Avion Visa Infinite Business credit card must be received by January 31, 2025 and approved by Royal Bank of Canada. The Welcome Points will appear on your monthly credit card statement within 60 days after your application has been approved, provided that your RBC Avion Visa Infinite Business credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome Points are awarded to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status. Only the primary business owner on the Credit Card Account is eligible for the Annual Fee Waiver and the Welcome Points; any additional business owner(s) and cardholder(s), existing RBC Avion Visa Infinite Business cardholders as of the offer eligibility period, as well as existing RBC Avion Visa Business cardholders transferring to the RBC Avion Visa Infinite Business credit card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion. If you change your actual RBC Avion Visa Infinite Business card for another type of business credit card before the Welcome Points are awarded to your Credit Card Account, you may lose the benefit of this offer.
To be eligible to earn double the Avion points, your application for the RBC Avion Visa Infinite Business credit card must be received by January 31, 2025, and approved by Royal Bank of Canada. You will earn double the Avion points you would normally earn for every $1 in net purchases charged to your credit card (“Bonus Points”), up to $10,000 in net purchases in your first 12 full monthly statements periods (approximately 12 months from the date your Account is opened) (the “Period”), after which time your earn rate will return to the standard earn rate for your credit card type. Your RBC Avion Visa Infinite Business credit card account (“Credit Card Account”) must be open and in good standing at the time the Bonus Points are awarded in order to receive them. If you change your actual RBC Avion Visa Infinite Business credit card for another type of business credit card before the end of the Period, you will lose the benefit of this offer. Avion points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. Only the primary business owner on the Credit Card Account is eligible for this offer; additional business owner(s) and cardholder(s), existing RBC Avion Visa Infinite Business cardholders as of the offer eligibility period, as well as existing RBC Avion Visa Business cardholders transferring to the RBC Avion Visa Infinite Business credit card as of the offer eligibility period, are not eligible for this offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.
Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 55,000 Avion points for a round trip flight from eastern Canada or the United States to Mexico, Hawaii or Alaska; or from western Canada or the United States to Bermuda, Central America or the Caribbean, with a maximum ticket price of $1,100. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
TELUS Business Mobility customers who sign up as a new customer for a Freightcom or ClickShip account between March 1, 2024 and March 31, 2025 by clicking the link above entitled “Redeem Now” (“Eligible Customers”), and then making Qualifying Purchases totaling CAD$25 or more (excluding taxes) on the Freightcom and/or ClickShip platforms before December 31, 2025 will be eligible for a one-time CAD$10 Credit to their payment method on file (the “Promotion”). “Credit” means either: (a) a one- time CAD$10 refund on the Eligible Customer’s credit card on file, or (b) a one-time CAD$10 credit on the Eligible Customer’s next Invoice. “Qualifying Purchases” means (a) fully-paid charges for Shipping Labels booked on the ClickShip or Freightcom platforms or manually quoted through an authorized representative of Freightcom, and (b) the monthly fees for any of ClickShip’s Subscription Services as defined in ClickShip’s Terms of Service. Notwithstanding the foregoing, the following fees payable to Freightcom or ClickShip shall not be considered Qualifying Purchases:(c) Additional Charges as defined in Freightcom or ClickShip’s Terms of Service; (d) any amounts billed to the Eligible Customer through one or more unpaid invoices that remain unpaid as of December 31, 2025, (e) any credit card charges made before December 31, 2025 and subsequently disputed through a credit card chargeback; and (f) Shipments booked on the ClickShip Platform for shipping services performed by Your Carriers as defined in ClickShip’s Terms of Service. “Shipping Label” means a single purchase order for shipping label(s) with a unique transaction number for one or more shipping pieces that a customer books on the Freightcom or ClickShip platform for the delivery of goods by a carrier to a single final destination address on a single estimated delivery date. For further clarity, TELUS Business Mobility customers who already had either a Freightcom or ClickShip account prior to March 1st, 2024 will not be eligible to receive the Promotion. This Promotion cannot be combined with any other promotions offered by Freightcom or ClickShip. This Promotion cannot be combined with any other promotions.
In order to be eligible for referral credits, you must have active mobility service with TELUS Business and be in good standing when the credits are applied. You are able to receive up to $1,000 in referral credits each calendar year. The business you refer cannot be a current TELUS Business mobility customer and they must activate a new TELUS Business smartphone plan. This offer is not available for Consumer or Corporate accounts. If the referred customer successfully activates on your referral, then a bill credit will be applied to your account within 4-6 weeks of completion in one lump-sum. Taxes apply. For additional program rules, visit
www.telus.com/referabusiness
. TELUS reserves the right to withdraw or modify this offer at any time.
Must be a resident of Canada who has reached the legal age of majority. Does not include existing customers of Zensurance; and excludes residents of QC, YT, NT, NU. Terms and conditions apply.
TruShield Insurance and TruShield Insurance logo are trademarks of Northbridge Financial Corporation, licensed by 𝗡𝗼𝗿𝘁𝗵𝗯𝗿𝗶𝗱𝗴𝗲 𝗚𝗲𝗻𝗲𝗿𝗮𝗹 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗶𝗼𝗻 (insurer of TruShield Insurance policies). Terms, conditions and exclusions apply. See policy for details.
One offer per household for new customers only. “Save Up to $290" is based on the HelloFresh 4 person x 4 recipe plan which equates to 16 servings per box. “Save Up to $290" is based on the redemption the 4 person x 4 recipe plan over the first 4 boxes in a subscription where a customer will receive 60% off the first box ($112.10 of discount), 41% off the second box ($76.60 of discount value), 36% off the third box ($67.26 of discount value), and 20% off the fourth box ($37.37 of discount value) which totals to $293.32 of total discount value. Discount applies to all plans and recipe configurations and you will receive 60% off your first box, 40% off your second, 35% off your third, 30% off your fourth, 25% off your fifth, 20% off your sixth, 15% off your seventh box, and $9.99 of free shipping on your first box. Deal valid with the purchase of a 2 or 4-person meal plan where HelloFresh delivers in Canada. Upon redemption, you will be enrolled in an auto-renewing subscription which you may cancel at any time, in accordance with our Terms and Conditions. Please visit
HELLOFRESH.ca
for more information.
Valid for new AutoEntry customers only.
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. RBC Bank - 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617.
www.rbcbank.com
.

® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Used under license.

Offer period is November 1, 2023 through October 31, 2024 (“Offer Period”). Offer is available for clients who open a new RBC Day to Day Banking account. To qualify, clients must open an RBC Day to Day Banking account and be a new RBC Bank client, defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period (“Eligible Personal Client”). Eligible Personal Client must open a new RBC Bank personal checking account and have or apply for an RBC Bank credit card at the same time before the end of the Offer Period. Checking account and credit card application must have the same accountholder(s) on both accounts. For eligible clients, the RBC Day to Day Banking account monthly fee of $4 will be waived for the first twelve (12) months upon account opening of the RBC Day to Day Banking account, plus RBC Bank will waive the checking monthly or annual fee for 1 year from account open date (“Offer”). All other terms and conditions continue to apply, including funding requirements and other applicable fees. Fees on all other RBC Bank products continue to apply, including fees on the RBC Bank Visa Signature Black Plus credit card. Offer cannot be combined with any other RBC Bank offers. Employees of Royal Bank of Canada do not qualify for this offer. Offer is available only during the Offer Period. Offer can be changed or withdrawn at any time. Only one offer per Eligible Personal Client. For complete offer details, including defined terms, please visit
http://www.rbcroyalbank.com/dms/cross-border-banking/_assets-custom/includes/terms-and-conditions.html.
Offer available between April 7th 2023 and December 31st 2024 (“Promotional Period”) to new Ownr users only without an Ownr account prior to the start of the Promotional Period that have an existing registered or incorporated business. When you sign up with Ownr during the Promotional Period, you will receive a one-time free Ownr Online Minute Book (regularly $199+tax/year) or Managed Corporation Plan (regularly $599+tax/year) and any of the following add-ons: Managed Shareholders, Managed Employees and Contractors, and Employee Stock Option Plans (“Add-Ons”) completed in the same transaction (“Offer”). If you sign up for an Add-On in a subsequent or separate transaction, you will be charged for the add-on. Limit of one Offer per Ownr user. Offer may be combined with other offers. Offer will automatically be applied at checkout. Ownr may cancel or modify this Offer at any time. Note: certain Ownr products and services are only available in Ontario, Alberta, British Columbia, and Quebec.
Offer available between April 7th 2023 and December 31st 2024 (“Promotional Period”) to new Ownr users only without an Ownr account prior to the start of the Promotional Period that have an existing registered or incorporated business. Offer available to new Ownr users only. You will receive a one-time 20% discount on the final price (excluding government fees and taxes) of your first purchase of any Ownr products and services completed in one transaction (Offer”). Limit of one Offer per Ownr user. Offer may be combined with other offers, but the discount will not exceed the total amount paid. Discount will automatically be applied at checkout before taxes. Ownr may cancel or modify this offer at any time. Note: certain Ownr products and services are only available in Ontario, Alberta, British Columbia, and Quebec.
Promotion is available to all qualifying businesses with less than 200 employees. First account (at $0) is granted on a complimentary basis to the business owner, or WorkPerks administrator, for the review, use, and management of a WorkPerks program. Employee license discount is applicable to all licenses purchased within the program. Discount does not apply to licenses purchased prior to the initiation of this promotion and cannot be combined with any other promotions or discounts. First account (at $0) and license discount will be maintained as long as your WorkPerks account is in good standing, and you remain a client of the TELUS services which provided you access to this promotion. Should your account fall into disrepute, we reserve the right to revoke the promotional offers.
CFIB has been the big voice for small business for 50 years, and has more than 97,000 members nationwide in every sector of the economy. Taking our direction from CFIB members through regular surveys on business issues, we advocate for small- and mid-sized firms at the federal, provincial and local levels of government. By joining CFIB at a 25% discount rate for one (1) year, promoted via the TELUS Business Owner Perks program, you ensure elected officials hear about your business' concerns and you get the benefit of personal support from CFIB Business Resources, as well as great prices on products such as telephone services, banking and credit card packages, and much more. This offer will expire on November 30, 2024. Upon completing the enrollment form, you will receive an email with access to begin enjoying your discounted membership immediately. By signing this form, you agree to provide accurate, current and complete information and acknowledge that your company is an independent, closely held business owned and controlled by Canadian interests and is therefore eligible for the CFIB discounted membership. A CFIB representative will follow up at the end of the one-year discounted membership to discuss renewal of your membership. You are under no obligation to renew your membership after the discounted period. All voting members are subject to approval by the Board of Directors. Please see more at our [Privacy Policy](https://www.cfib-fcei.ca/en/privacy-policy)

Owner Perks

For you and your business

How it works

1

2

3

Enjoy a $200 gift card with purchase of a Moneris® Go terminal

Save 2.5 cents/litre3 when you sign up for SuperPass.

Save 15%4 on expert virtual assistant services

Save up to 40% off your accommodation with Booking.com

Stay on Budget® when choosing your car rental

Upgrade your rental with Avis®

Pay $0 for your first 4 months of Sage Payroll & HR8

Make the most of your business spending with Avion® Visa

Spend $25 and get $10 back12 when shipping with ClickShip!

Get a $100 bill credit when you successfully refer a business to TELUS

Get a $40 Amazon gift card when you request a free quote14

Enjoy 5% off on commercial insurance with TruShield15

HelloFresh - Save up to $290 over 7 weeks

Start a free trial and get 75% off the first three months.17

Give your team a competitive edge — and save over 20%.

Enjoy your favorite publications free for 3 months

Staying north or heading south?

Keep Your Company in Good Standing. Manage Your Business Free19 for 1 Year with Ownr.

Get 20% off when you digitally incorporate your business.20

Get started for free and save 30% on every employee invited to the program.

Save 25% on CFIB Membership

Get exclusive deals on TELUS Home Services.

Get your business featured today

View terms and conditions

Save 2.5 cents/litre³ when you sign up for SuperPass.

Save 15%⁴ on expert virtual assistant services

Pay $0 for your first 4 months of Sage Payroll & HR⁸

Spend $25 and get $10 back¹² when shipping with ClickShip!

Get a $40 Amazon gift card when you request a free quote¹⁴

Enjoy 5% off on commercial insurance with TruShield¹⁵

Start a free trial and get 75% off the first three months.¹⁷

Keep Your Company in Good Standing. Manage Your Business Free¹⁹ for 1 Year with Ownr.

Get 20% off when you digitally incorporate your business.²⁰