Legal

    Terms of service.

    These Terms of Service ("Terms") govern your access to and use of the services provided by Global Trademark Company LLC ("GTC", "we", "us", or "our"). By accessing our website, creating an account, or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

    Table of Contents

    1. Introduction and Acceptance

    Welcome to Global Trademark Company LLC ("GTC"), a Wyoming limited liability company. These Terms of Service constitute a legally binding agreement between you ("Client", "you", or "your") and GTC regarding your use of our website, client portal, and all related trademark registration and intellectual property services.

    By accessing or using our services, you represent and warrant that:

    • You are at least 18 years of age or the age of legal majority in your jurisdiction;
    • You have the legal capacity to enter into a binding agreement;
    • If acting on behalf of a business entity, you have the authority to bind that entity to these Terms;
    • Your use of our services does not violate any applicable law or regulation.

    If you do not agree with any part of these Terms, you must not access or use our services. Your continued use of the services following any changes to these Terms constitutes acceptance of those changes.

    2. Definitions

    For the purposes of these Terms, the following definitions apply:

    • "Services" means all trademark search, filing, registration, monitoring, renewal, opposition, cancellation, and related intellectual property services offered by GTC, whether through our website, client portal, or direct engagement.
    • "Platform" means the GTC website, client portal, and any associated digital tools, applications, or interfaces provided for accessing and managing the Services.
    • "Application" means any trademark application, filing, or submission prepared, filed, or managed by GTC on behalf of a Client with any trademark or intellectual property office worldwide.
    • "Government Fees" means the official fees charged by trademark offices, intellectual property offices, or other governmental authorities in connection with the filing, prosecution, registration, or maintenance of a trademark.
    • "Service Fees" means the professional fees charged by GTC for our services, which are separate from and in addition to any Government Fees.
    • "Client Portal" means the secure online area of the Platform through which Clients may view, manage, and track their trademark applications and related documents.
    • "Confidential Information" means all non-public information disclosed by either party, including business strategies, trademark filings, trade secrets, financial data, and personal information.

    3. Description of Services

    GTC provides comprehensive trademark and intellectual property services across major jurisdictions worldwide, including but not limited to:

    • Trademark Search: Comprehensive availability searches across domestic and international databases to evaluate the registrability of proposed marks;
    • Trademark Filing and Registration: Preparation and filing of trademark applications with national, regional, and international trademark offices, including the USPTO, EUIPO, UKIPO, CIPO, and WIPO;
    • Prosecution Support: Responding to office actions, examiner objections, and other communications from trademark authorities;
    • Trademark Monitoring: Ongoing surveillance of trademark databases and publications for potentially conflicting marks;
    • Renewal and Maintenance: Timely filing of renewal applications, declarations of use (e.g., Section 8 and Section 15 filings in the U.S.), and other maintenance documents;
    • Opposition and Cancellation: Filing and defending against opposition and cancellation proceedings;
    • Portfolio Management: Comprehensive management of multi-jurisdiction trademark portfolios through our Client Portal.

    GTC acts as a trademark service provider facilitating the filing and management of trademark applications. We work with a network of qualified local attorneys and agents in each jurisdiction to ensure compliance with local laws and regulations. The specific scope of services for each engagement will be detailed in the applicable order or service agreement.

    4. Account Registration and Security

    To access certain features of our Platform, you may be required to create an account. When creating an account, you agree to:

    • Provide accurate, current, and complete information during registration;
    • Maintain and promptly update your account information to keep it accurate and current;
    • Maintain the confidentiality of your account credentials, including your password;
    • Accept responsibility for all activities that occur under your account;
    • Notify us immediately of any unauthorized use of your account or any other breach of security.

    You may grant access to additional users within your organization, such as colleagues or legal counsel, through the Client Portal's access management features. You remain responsible for all actions taken by authorized users under your account. GTC reserves the right to suspend or terminate any account that we reasonably believe has been compromised or is being used in violation of these Terms.

    5. Client Obligations

    As a Client of GTC, you acknowledge and agree to the following obligations:

    • Accuracy of Information: You are responsible for providing accurate and complete information regarding your trademark(s), business details, goods and services descriptions, and any other information required for the preparation and filing of applications. Inaccurate or incomplete information may result in delays, additional costs, or rejection of your application.
    • Timely Responses: Trademark proceedings are subject to strict deadlines imposed by government authorities. You agree to respond promptly to our requests for information, instructions, or approvals. Failure to respond within the timeframes communicated may result in missed deadlines and potential loss of rights.
    • Review and Approval: You are responsible for reviewing all documents, filings, and correspondence prepared by GTC before submission. Your approval constitutes authorization to proceed with the filing or action described.
    • Cooperation: You agree to cooperate fully with GTC and any local attorneys or agents engaged on your behalf, including providing specimens of use, evidence of distinctiveness, or other materials as may be required.
    • Compliance with Laws: You represent that your proposed trademarks and their intended use do not infringe upon the intellectual property rights of any third party and comply with all applicable laws and regulations.

    6. Fees, Payment, and Refunds

    Service Fees and Government Fees: Our pricing consists of two components: (a) Service Fees for our professional services, and (b) Government Fees charged by the relevant trademark offices. Both components will be clearly itemized in your order summary or invoice. Government Fees are set by the respective trademark offices and are subject to change without prior notice from GTC.

    Currency: Service Fees are quoted in U.S. Dollars (USD) unless otherwise specified. Government Fees may be displayed in the local currency of the relevant jurisdiction. Currency conversion rates, where applicable, are determined at the time of payment and may include a processing margin.

    Payment Terms: Payment is due at the time of order placement unless alternative payment terms have been agreed upon in writing. We accept major credit cards, wire transfers, and other payment methods as indicated on our Platform. All payments are processed through secure, PCI-compliant payment processors.

    Late Payments: Invoices not paid within thirty (30) days of the due date may incur a late payment fee of 1.5% per month (or the maximum rate permitted by law, whichever is less). GTC reserves the right to suspend services on accounts with outstanding balances.

    Refunds and Account Credit: GTC operates a credits-only refund policy. We do not offer cash refunds in the ordinary course of business. Eligible refund requests — including cancellations before substantive work begins, GTC-caused errors, duplicate payments, and government-fee discrepancies — are issued as account credit that may be applied to current or future GTC invoices. Account credit ordinarily expires twelve (12) months from issuance. Government Fees remitted to a trademark, patent, copyright, or other government office are non-refundable. Cash refunds are processed only in exceptional cases (chargebacks, government-mandated refunds, fraud remediation, and statutory consumer rights). Full terms are in our Refund & Credit Policy, which forms part of these Terms.

    7. Intellectual Property Rights

    Client's Marks: You retain all ownership rights in and to your trademarks, service marks, logos, and any other intellectual property submitted to GTC for registration or management. Nothing in these Terms transfers ownership of your marks to GTC.

    GTC's Intellectual Property: All content, features, functionality, software, designs, text, graphics, and other materials comprising the Platform and our services (excluding Client-submitted content) are owned by GTC or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, or otherwise exploit any portion of our Platform without our prior written consent.

    Limited License: Subject to your compliance with these Terms, GTC grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for the purpose of managing your trademark portfolio and utilizing our services.

    8. Trademark Filing Disclaimers

    You acknowledge and understand the following important disclaimers regarding trademark filing services:

    • No Guarantee of Registration: GTC does not and cannot guarantee the approval or registration of any trademark application. The decision to approve or refuse an application rests solely with the relevant trademark office or examiner. Many factors outside our control may affect the outcome of an application.
    • Office Actions and Objections: Trademark offices may issue office actions, objections, or other communications requiring a response. Responding to such actions may incur additional fees. GTC will notify you promptly of any such actions and provide guidance on available options.
    • Third-Party Oppositions: Third parties may file oppositions or other proceedings challenging your trademark application or registration. Defense against such proceedings may require additional services and fees beyond the scope of the original filing engagement.
    • Timeline Estimates: Any timelines or estimated processing times provided by GTC are approximations based on typical processing times and are not guaranteed. Government trademark offices set their own processing timelines, which may vary significantly based on workload, complexity, and other factors.
    • Legal Advice: GTC provides trademark filing and management services. The information and guidance provided are of a general nature and should not be construed as legal advice. For specific legal questions regarding your intellectual property rights, we recommend consulting with a qualified attorney in the relevant jurisdiction.

    9. Confidentiality

    Mutual Obligations: Both parties agree to maintain the confidentiality of all Confidential Information received from the other party. Confidential Information shall not be disclosed to any third party without the prior written consent of the disclosing party, except as necessary to perform the services or as required by law.

    Exceptions: Confidentiality obligations do not apply to information that:

    • Is or becomes publicly available through no fault of the receiving party;
    • Was already known to the receiving party prior to disclosure;
    • Is independently developed by the receiving party without reference to the Confidential Information;
    • Is disclosed as part of a trademark filing or publication, as required by trademark office procedures;
    • Is required to be disclosed by law, regulation, or court order, provided that the receiving party gives reasonable notice to the disclosing party where legally permitted.

    Trademark Filings: You acknowledge that certain information submitted as part of trademark applications (such as the applicant's name, address, and goods/services descriptions) may become part of the public record as maintained by the relevant trademark offices.

    10. Limitation of Liability

    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GTC'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT OF SERVICE FEES PAID BY YOU TO GTC DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

    IN NO EVENT SHALL GTC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF BUSINESS OPPORTUNITIES, LOSS OF GOODWILL, LOSS OF DATA, OR DAMAGES ARISING FROM THE REFUSAL OR CANCELLATION OF A TRADEMARK APPLICATION BY ANY TRADEMARK OFFICE, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER GTC WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

    GTC shall not be liable for any delays, failures, or errors caused by factors beyond our reasonable control, including but not limited to acts of government, natural disasters, pandemics, labor disputes, telecommunications failures, or actions or inactions of third parties, including trademark offices and local agents.

    11. Indemnification

    You agree to indemnify, defend, and hold harmless GTC, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

    • Your use of the Services or Platform;
    • Any trademark application filed on your behalf that infringes upon the intellectual property rights of a third party;
    • Your breach of these Terms or any representation or warranty made herein;
    • Any inaccurate, misleading, or incomplete information provided by you;
    • Your violation of any applicable law, rule, or regulation.

    This indemnification obligation shall survive the termination of these Terms and your use of the Services.

    12. Term and Termination

    Term: These Terms are effective from the date you first access or use the Services and continue until terminated by either party.

    Termination by Client: You may terminate your account and these Terms at any time by providing written notice to GTC. Termination does not relieve you of the obligation to pay for services already rendered or government fees already submitted.

    Termination by GTC: GTC may suspend or terminate your access to the Services at any time, with or without cause, upon reasonable notice. In cases of material breach, fraud, or illegal activity, GTC may terminate access immediately without notice.

    Effect on Pending Applications: Upon termination, GTC will use reasonable efforts to complete or transfer any pending trademark applications, subject to payment of all outstanding fees. You will be provided with copies of all relevant documentation. If you do not arrange for the transfer of pending matters within thirty (30) days of termination, GTC shall have no further obligation to manage such applications, and you assume all risk of any resulting deadlines or forfeitures.

    13. Dispute Resolution

    Governing Law: These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law principles.

    Informal Resolution: Before initiating any formal dispute resolution proceeding, the parties agree to first attempt to resolve any dispute informally by contacting the other party and negotiating in good faith for a period of at least thirty (30) days.

    Binding Arbitration: If the dispute cannot be resolved informally, either party may elect to resolve the dispute through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in Sheridan County, Wyoming, or at a mutually agreed location. The arbitrator's decision shall be final and binding, and judgment upon the award may be entered in any court of competent jurisdiction.

    Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not as a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than arbitration, both parties waive any right to a jury trial.

    14. Modifications to Terms

    GTC reserves the right to modify, update, or revise these Terms at any time at our sole discretion. When we make material changes, we will:

    • Update the "Last updated" date at the bottom of this page;
    • Provide notice via email to the address associated with your account, or through a prominent notice on our Platform;
    • For significant changes affecting ongoing services, provide at least thirty (30) days' notice before the changes take effect.

    Your continued use of the Services after the effective date of any modified Terms constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must discontinue your use of the Services and notify us to close your account.

    15. Third-Party Services

    Our Services may integrate with or rely upon third-party services, including but not limited to:

    • Payment Processors: We use third-party payment processors (such as Stripe) to handle payment transactions securely. Your payment information is processed in accordance with the payment processor's terms of service and privacy policy.
    • Government Trademark Offices: We interact with government trademark and intellectual property offices worldwide to file and manage applications on your behalf. These offices operate under their own rules, procedures, and timelines over which GTC has no control.
    • Local Attorneys and Agents: In certain jurisdictions, trademark filings must be submitted through locally qualified attorneys or agents. GTC engages trusted local professionals to ensure compliance with local requirements.
    • Analytics and Communication Tools: We use third-party analytics, email, and communication platforms to improve our services and communicate with you.

    GTC is not responsible for the actions, omissions, or policies of any third-party service providers. Your interactions with third-party services are governed by the respective third party's terms and policies.

    16. Contact Information

    If you have any questions, concerns, or requests regarding these Terms of Service, please contact us:

    Global Trademark Company LLC

    30 N. Gould St. Ste R

    Sheridan, WY 82801

    United States

    Email: legal@globaltrademarkcompany.com

    For urgent matters related to pending trademark deadlines, please include "URGENT" in the subject line of your email to ensure prioritized handling.

    17. GTC Advantage Subscription Terms

    This Section 17 sets out the additional terms that apply to any subscription to GTC Advantage (each, a "Subscription"). It is incorporated into and forms part of these Terms of Service. To the extent of any conflict between this Section 17 and any other provision of these Terms in respect of a Subscription, this Section 17 controls.

    17.1 Scope and Order of Precedence

    This Section 17 applies only to GTC Advantage Subscriptions and to work delivered under them. It does not modify any other engagement, project, or one-off service ordered outside of a Subscription. Where this Section 17 conflicts with Section 13 (Dispute Resolution) of these Terms in respect of a Subscription, Section 17.21 controls for that Subscription.

    17.2 Definitions

    • Subscription — a recurring engagement under one of the published GTC Advantage plans (Starter, Growth, Scale, or NGO), at the term selected by Client (Monthly, 3-Month, or Annual).
    • Plan — the specific tier and term combination Client selects at signup.
    • Hours Bucket — the number of hours of in-scope work included in Client's Plan for each billing period.
    • Active Matter — a discrete file or workstream open at any one time (filings, contract reviews, demand letters, etc.).
    • Overage — work performed beyond the Hours Bucket in a billing period, billed at the Overage Rate.
    • Rollover Hours — unused hours carried into the next billing period in accordance with Section 17.7.
    • NGO Tier — the discounted Plan available to Verified NGOs.
    • Verified NGO — a non-profit organisation whose status GTC has verified under Section 17.10.
    • Term — the prepaid commitment period (1 month, 3 months, or 12 months).
    • Renewal Date — the first day of the period immediately following the current Term.

    17.3 Plans, Hours, and Active Matter Limits

    Each Plan grants Client a defined Hours Bucket per billing period and a maximum number of concurrent Active Matters. Current published values: Starter — 10 hours / 3 matters / 48-hour first-response SLA; Growth — 20 hours / 5 matters / 24-hour SLA; Scale — 40 hours / 10 matters / 8-hour SLA; NGO — Starter scope at the NGO Tier discount. GTC may amend included hours, matter limits, and SLAs prospectively in accordance with Section 17.20.

    17.4 Term, Auto-Renewal, and Cancellation

    • Monthly Plans may be cancelled at any time and will end at the conclusion of the then-current billing period. Unused hours and any Rollover Hours are forfeited on cancellation. No refund of fees already paid for the current period.
    • 3-Month and Annual Plans are prepaid for the full Term and are non-cancellable and non-refundable during the Term, except where required by law or as set out in Section 17.20.
    • All Plans automatically renew at the then-current published list price for an equivalent Term unless Client cancels before the Renewal Date through the client portal or by written notice to GTC.

    17.5 Fees, Billing, and Taxes

    All fees are stated and billed in US Dollars. Subscription fees and Overages are charged automatically to the payment method on file. Client is responsible for any applicable sales, use, value-added, or similar taxes, which will be added to the invoice where required. Failed payments may result in suspension of service under Section 17.16. Chargebacks initiated without prior written notice to GTC may be treated as a material breach.

    17.6 Overages

    Work performed beyond the Hours Bucket in any billing period is billed at a flat Overage Rate of USD 50 per hour, in 15-minute increments. GTC will issue automated notifications when Client reaches 80%, 100%, and 120% of the Hours Bucket. If Client elects in writing to cap Overages at a specific level, GTC will pause non-urgent work upon reaching that cap and will only continue work that Client expressly authorises in writing. Overages for the prior period are billed on the first day of the following period.

    17.7 Hours Rollover

    Up to 20% of the Hours Bucket unused in a billing period will roll into the immediately following period as Rollover Hours, subject to the following: (a) Rollover Hours do not stack across multiple periods; (b) Rollover Hours are forfeited upon cancellation, downgrade, non-renewal, loss of NGO status, or any change of Plan; and (c) Rollover Hours are consumed before the new period's Hours Bucket.

    17.8 Pass-Through Costs

    Government filing fees, official translations, courier and notarisation costs, third-party platform fees (e.g. takedown portals), and similar disbursements are billed at cost in addition to Subscription fees. GTC will obtain Client's prior approval for any single pass-through cost in excess of USD 100 unless circumstances require immediate action to preserve Client's rights.

    17.9 Out-of-Scope Work

    The following are out of scope under any Subscription and, if requested, will be quoted and engaged separately under a written project engagement: litigation and court appearances; patent drafting and prosecution; mergers and acquisitions due diligence; tax filings; and any work that GTC reasonably determines requires specialised counsel outside its standard service catalogue.

    17.10 NGO Tier Verification and Eligibility

    The NGO Tier is available only to organisations that have provided documentary proof of non-profit status (US 501(c)(3) determination letter or equivalent registration in the organisation's home jurisdiction). GTC will verify the documents within a reasonable period after signup. If verification fails, GTC will notify Client and either offer the equivalent Starter Plan at standard pricing or refund any pre-charged amounts. Client must promptly notify GTC of any loss of non-profit status; on such loss, the Subscription will automatically convert to the Starter Plan at the then-current published rate from the next billing period.

    17.11 Conflicts of Interest

    GTC reserves the right to decline any matter that, in GTC's reasonable judgement, conflicts with an existing client mandate or with applicable rules of professional conduct. Where such a declination materially reduces the value of the Subscription to Client for the remainder of the Term, GTC will issue a pro-rated credit to Client's account.

    17.12 Confidentiality and Data Handling

    Each party will hold in confidence all non-public information disclosed by the other party in connection with the Subscription. GTC's processing of Client personal data is governed by GTC's Privacy Policy. GTC engages sub-processors (cloud infrastructure, communications, billing) to deliver the Subscription; a current list is available on request. GTC does not sell Client data.

    17.13 Attorney-Client Relationship and Jurisdictional Limits

    GTC engages licensed attorneys in jurisdictions where attorney representation is required. Where GTC acts as a non-attorney filing agent (for example, in jurisdictions that do not require an attorney for trademark prosecution), no attorney-client relationship is formed by the Subscription itself; an attorney-client relationship arises only when GTC and Client expressly engage a licensed attorney for a specific matter. Communications with non-attorney specialists are confidential under this Agreement but may not be subject to attorney-client privilege.

    17.14 Service Levels and Sole Remedy

    GTC will use commercially reasonable efforts to provide a first substantive response within the SLA stated for Client's Plan, measured during business hours (Monday–Friday, excluding US federal holidays and announced GTC holidays). Client's sole and exclusive remedy for a missed first-response SLA is a credit equal to one (1) hour of subscription work for each missed first-response, applied to the next billing period. SLAs do not apply to delays caused by force majeure, by Client's failure to provide necessary information or instructions, or by third-party platforms or government offices.

    17.15 Client Responsibilities

    Client agrees to: (a) provide timely, complete, and accurate instructions and documents; (b) designate a single primary point of contact for the Subscription; (c) keep payment information current; (d) use the service only for lawful purposes; and (e) not engage GTC to act in any matter that would require GTC to violate applicable law or rules of professional conduct.

    17.16 Suspension

    GTC may suspend the Subscription on written notice in the event of: (a) non-payment that is not cured within seven (7) days of notice; (b) abuse, harassment of GTC personnel, or unlawful use of the service; or (c) an unresolvable conflict of interest. Suspension does not relieve Client of obligations to pay for prepaid Terms.

    17.17 Deliverables on Cancellation

    Client owns all final deliverables produced and delivered to Client under the Subscription, subject to any pre-existing rights of GTC or third parties in underlying templates and know-how. GTC retains internal copies of files for compliance, audit, and conflicts-checking purposes. Client has thirty (30) days following the effective date of cancellation to export documents and matter history through the client portal; thereafter GTC may archive or restrict access in line with its data retention policies.

    17.18 Limitation of Liability (Subscription-Specific)

    To the maximum extent permitted by law, GTC's total aggregate liability arising out of or relating to a Subscription will not exceed the total fees paid by Client for that Subscription in the twelve (12) months immediately preceding the event giving rise to the claim. The foregoing cap does not apply to (a) breach of confidentiality obligations under Section 17.12, (b) gross negligence, or (c) wilful misconduct. In no event will either party be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data.

    17.19 Indemnification (Subscription-Specific)

    Client will defend, indemnify, and hold harmless GTC and its personnel against any third-party claim arising out of (a) Client's use of GTC deliverables in a manner that violates applicable law or third-party rights, (b) inaccurate or incomplete information provided by Client, or (c) Client's breach of these Terms. GTC will defend, indemnify, and hold harmless Client against any third-party claim that GTC's deliverables, as delivered, infringe a third party's intellectual property rights, subject to the cap in Section 17.18.

    17.20 Modifications

    GTC may update this Section 17 from time to time. GTC will give Client at least thirty (30) days' notice of any material change before it takes effect. If a material change is materially adverse to Client, Client may terminate the Subscription on written notice within those thirty (30) days and receive a pro-rated refund of any prepaid Term fees covering the period after termination.

    17.21 Governing Law and Dispute Resolution

    This Section 17 and any Subscription are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to a Subscription that the parties cannot resolve through good-faith negotiation within thirty (30) days will be finally resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The seat of arbitration will be New Castle County, Delaware, USA. The arbitration will be conducted in English by a single arbitrator. Each party waives any right to a jury trial and to participate in any class, collective, or representative action. Notwithstanding the foregoing, either party may bring an individual claim in any small-claims court of competent jurisdiction.

    17.22 Acceptance

    By starting a Subscription — including by completing checkout, paying the first invoice, or first instructing GTC under the Subscription — Client accepts this Section 17. GTC will record the time of acceptance, the IP address from which acceptance was made, the Plan and Term selected, and the version of these Terms in force at the time, and will retain that record as evidence of the agreement.

    Last updated: May 2026 (Section 6 amended for credits-only policy)

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