ios CardDav cannot connect using ssl

ios CardDav cannot connect using ssl

I am trying to sync my contacts between my ios devices (icloud) and zoho but all I get on my ios device is :Cannot Connect using SSL”.
I have switched off 2FA and tried a password in Application passwords but no change.
ios 14.4
I am trying out Zoho for my company and carddav and carddav are important to our operation.
Can anyone assist?
Is anyone else experiencing this issue?
Am I doing something incorrectly?
Regardxs