Terms of Service

2.1Minimum Age

You must be at least 13 years old to use the Service. If the law where you live sets a higher minimum age for agreeing to terms like these or for using online services, you must be at least that age. If you are under 18, you must have permission from your parent or legal guardian to use the Service, and they must agree to these Terms on your behalf.

2.2Parental Responsibility

If you are a parent or guardian allowing a minor to use the Service, you are fully responsible for:

• Their use of the Service and compliance with these Terms
• All content they upload or process
• Any charges incurred on the account
• Monitoring their activity and ensuring age-appropriate use

CorpGPT is an AI learning platform built on Amazon Web Services (AWS). The Service allows you to upload documents, ask questions in plain English, and receive AI-generated answers based on your uploaded content.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

• Provide accurate and complete registration information
• Notify us immediately of any unauthorized use of your account
• Not share your login credentials with others
• Keep your account secure

4.1Account Sharing

You may not share your account with others. Each person must have their own account. If you are using the Service as part of a family or group, each member should create their own individual account.

5.1Acceptable Use

You agree not to use the Service to:

• Upload or process content that violates any applicable law or regulation
• Attempt to gain unauthorized access to other users' data or workspaces
• Reverse engineer, decompile, or disassemble any part of the Service (except to the extent prohibited by applicable law)
• Transmit malware, viruses, or other harmful code
• Exceed your allocated usage limits or circumvent rate limiting
• Use the Service for any purpose that competes with CorpGPT
• Automatically or programmatically extract data or AI-generated outputs without authorization
• Represent that AI-generated content was human-generated when it was not
• Interfere with or disrupt the Service or bypass any protective measures or safety mitigations
• Infringe, misappropriate, or violate anyone's intellectual property or other rights

5.2Prohibited Content

The Service is a general-purpose AI learning platform and is not designed, certified, or contracted to handle regulated or highly sensitive data. You agree not to upload, input, or otherwise submit to the Service:

• Protected health information (PHI) or any other health information that identifies a patient or client
• Cardholder data subject to PCI-DSS (full credit card numbers, CVVs, magnetic-stripe data)
• Government-classified, export-controlled, or ITAR/EAR-restricted information
• Social Security numbers, government-issued ID numbers, financial account credentials, or biometric identifiers, unless reasonably necessary for the document at hand
• Personal data of other individuals where you do not have a lawful basis to upload such data
• Copyrighted material, trademarks, trade secrets, or other proprietary content that you do not own and for which you have not obtained all necessary licences, permissions, or authorisations from the rightsholder
• Material constituting child sexual abuse material (CSAM) or other content prohibited by law
• Hate speech, terrorist or extremist content, content promoting violence against individuals or groups, sexually explicit material involving non-consenting parties, or any other material that is unlawful, defamatory, harassing, threatening, or otherwise offensive

You are solely responsible for the content you upload. The Service uses automated checks on chat requests (such as content-safety and prompt-injection screening) and may add further automated screening, including of uploaded content, to detect and remove material that we reasonably believe violates this Section. By using the Service, you consent to such automated screening.

6.1Your Content (Input) — Ownership & Responsibility

You retain all ownership rights to the documents and data you upload to the Service ("Input"). CorpGPT does not claim any ownership over your Input.

You are solely and fully responsible for everything you upload to, process through, or otherwise submit to the Service. By uploading Input, you represent and warrant that:

• You own the Input, or you have obtained all rights, licenses, consents, permissions, and authorizations necessary to upload it and to have it processed by the Service and its AI subprocessors (see Section 6.6)
• You will NOT upload material protected by copyright (including books, articles, journal papers, music, film, software code, photographs, illustrations, or any other copyrighted work) that you do not own or for which you do not hold a valid licence permitting upload to a cloud-based AI processing service
• Your upload and our processing of the Input does not and will not infringe, misappropriate, or violate any third party's intellectual-property rights (including copyright, trademark, patent, and trade-secret rights), privacy rights, publicity rights, or any contractual obligation you owe to another party (including non-disclosure agreements with current or former employers)
• The Input does not contain any content prohibited by Section 5.2 (Prohibited Content)
• Where the Input contains personal data of individuals other than yourself, you have a lawful basis to upload and process that data under applicable privacy law (including providing any required notices and obtaining any required consents)
• You grant us the limited, non-exclusive, royalty-free right to store, process, display, and transmit your Input and Output solely for the purpose of providing the Service to you — this right terminates when your account is deleted, subject to the retention window in Section 15.4

6.2AI-Generated Output

As between you and Vizio Consulting, and to the extent permitted by applicable law, you own the AI-generated responses and content produced by the Service based on your Input ("Output"). We hereby assign to you all our right, title, and interest, if any, in and to Output.

6.3Similarity of Output

Due to the nature of artificial intelligence, Output may not be unique. Other users may receive similar outputs from the Service when using similar inputs. Our assignment of Output does not extend to other users' outputs.

6.4Our Platform

The Service, including its design, features, code, algorithms, models, and branding, is owned by Vizio Consulting and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works of the platform without written permission.

6.5Use of Content for Training

We do NOT use your Input or Output to train our own AI models, and we do NOT sell them. The files you store in the Service are stored encrypted, and files you upload from the app or site travel encrypted.

6.6AI Subprocessors

The Service sends the parts of your Input needed for each request to the following AI providers, which process it to generate Output: (a) Amazon Web Services (AWS), including AWS Bedrock (running Anthropic's Claude models, Amazon's models, and Cohere models), Amazon Textract, Bedrock Data Automation, Amazon Transcribe, Amazon Comprehend, and Amazon Polly; (b) OpenAI, for image generation, some infographic text, voice features (text-to-speech, speech-to-text, and real-time voice), and My Research, including its optional web search; (c) Google, through the Gemini API, for image generation; and (d) where enabled, Anthropic directly, as a backup route when AWS Bedrock is at capacity. The Service also uses Firecrawl to fetch web pages you add as sources, Pexels for stock-photo searches, using short keywords drawn from your content, for cover images on generated documents, posters and slides, and, when you choose to preview a PowerPoint or older Word file, Microsoft's Office Online viewer. Under their API terms, AWS Bedrock, Google's Gemini API (used on its paid tier) and Anthropic do not use API content to train their models; OpenAI's handling is described in our Privacy Policy, and some providers retain request data for a limited period under their own data-retention terms (see our Privacy Policy, Section 4.2). We may update this list of subprocessors as the Service evolves; material changes will be communicated in accordance with Section 18.

6.7Aggregate & Anonymized Usage Data

We may collect and use aggregated, de-identified usage data (such as feature-usage frequency, error rates, and performance metrics) to operate, secure, and improve the Service. Aggregate data does not identify you, your account, or the contents of your Input or Output.

6.8Brand Usage

You may only use our name, logo, and branding in accordance with our written brand guidelines. Any other use requires prior written permission.

7.1Accuracy and Limitations

Artificial intelligence and machine learning are rapidly evolving fields. Responses generated by CorpGPT's AI are based on the documents you provide and the capabilities of underlying AI services. Given the probabilistic nature of machine learning, the Service may in some situations produce Output that does not accurately reflect real people, places, or facts.

When you use the Service, you understand and agree:

• Output may not always be accurate. You should not rely on Output as a sole source of truth or factual information, or as a substitute for professional advice.
• You must evaluate Output for accuracy and appropriateness for your use case, including using human review as appropriate, before using or sharing Output.
• You must not use any Output relating to a person for any purpose that could have a legal or material impact on that person, such as making credit, educational, employment, housing, insurance, legal, medical, or other important decisions about them.
• The Service may provide incomplete, incorrect, or misleading Output that does not represent Vizio Consulting's views.
• AI-generated content is not a substitute for professional legal, financial, medical, or other expert advice.

7.2Prohibited High-Stakes Uses

You agree NOT to use the Service or rely on AI-generated Output for:

• Making employment, hiring, or termination decisions
• Credit, lending, or financial eligibility determinations
• Medical diagnosis, treatment recommendations, or healthcare decisions
• Legal advice or legal decision-making
• Educational assessments or grading that significantly impact students
• Housing or insurance eligibility decisions
• Law enforcement or criminal justice decisions
• Any other decisions that could have significant legal, financial, or personal consequences for individuals

7.3Warranty Disclaimer

To the maximum extent permitted by law, Vizio Consulting disclaims all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties of accuracy, completeness, or reliability of AI-generated content
• Warranties of uninterrupted, timely, secure, or error-free service
• Warranties that defects will be corrected

You acknowledge that AI systems may produce inaccurate, incomplete, or misleading information. You use the Service at your own risk and are solely responsible for evaluating the accuracy and appropriateness of any AI-generated content.

8.1Subscription Plans

We offer the following subscription plans, each with different features and usage limits:

• Trial: A one-time, no-cost introduction to the Service. Limited credits, storage, and audio transcription. See Section 8.9.
• Bronze: Entry-level paid plan for light, individual use.
• Silver: Increased credits, storage, and audio transcription.
• Gold: Higher credits, storage, and audio transcription for heavy individual users.
• Platinum: The highest individual limits for credits, storage, and audio transcription.

Current features, credit allocations, storage, and other limits for each plan are published at corpgptai.com/pricing and are incorporated into these Terms by reference. We may add, rename, or modify plans and limits as described in Section 18, and retire a paid plan as described in Section 16.

8.2Billing

By purchasing a subscription, you agree to:

• Provide complete and accurate billing information, including a valid payment method
• Authorize us to charge your payment method on each agreed-upon periodic renewal until you cancel
• Pay all applicable taxes
• Update your payment information promptly if it changes

8.3Automatic Renewal

Subscriptions automatically renew at the end of each billing period (plans are currently billed monthly) unless you cancel before the renewal date. You will be charged at the then-current rate for your subscription plan.

8.4Payment Processing

Payments are processed by our third-party payment processor, Stripe. We do not store your complete payment card information on our servers. By providing payment information, you agree to Stripe's terms and privacy policy.

8.5Failed Payments

If your payment cannot be completed:

• We will attempt to notify you via email, unless you have turned off billing notifications in your account settings
• We may retry charging your payment method
• We may downgrade or suspend your account until payment is received
• Your data will be retained during the suspension period in accordance with our Privacy Policy

8.6Cancellation

You may cancel your subscription at any time on the Plan page of your account portal at corpgptai.com/customer-login (Cancel subscription) or by contacting support. Cancellation is intended to be as easy as the original signup. Upon cancellation:

• You will retain access to the Service until the end of your current billing period
• No refunds will be provided for the remaining portion of your billing period, except where required by applicable consumer-protection law
• Your subscription expires at the end of your current billing period, and your customer account is removed 180 days later unless you subscribe again
• Your data will be handled according to Section 15.4 and our Privacy Policy

8.7Price Changes

We may change our subscription prices from time to time. If we increase prices:

• We will provide at least 30 days advance notice via email
• The price increase will take effect on your next renewal date
• You may cancel your subscription before the renewal date if you do not agree to the price increase

8.8Refunds

Payments are generally non-refundable, except:

• Where required by applicable consumer-protection law (including, where applicable, EU/UK statutory withdrawal rights and California, Quebec, or other state and provincial consumer-protection regimes)
• In cases of billing errors or duplicate charges
• At our sole discretion for service issues or customer satisfaction

To request a refund, contact support@corpgptai.com within 30 days of the charge.

8.9Free Trials

We may offer a free trial of the Service. Free trials are subject to these Terms and may have limited features or usage caps. Where we require payment information to start a trial, you will not be charged until the trial period ends unless you cancel.

9.1Service Availability

We strive to keep the Service available and reliable, but we cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to:

• Scheduled maintenance (we'll try to give advance notice)
• Updates and improvements
• Technical issues or circumstances beyond our control

We'll work to restore service as quickly as possible and provide updates when we can.

9.2No Uptime Guarantee

We do not guarantee any specific uptime percentage or offer service credits for downtime. The Service is provided "as is" regarding availability.

10.1Support Channels

Support is available via:

• Email: support@corpgptai.com
• In the app on a computer: account menu → Support → Help, Send message or Report a bug; on a phone: account menu → Help or Report a bug (in a phone browser, also Billing support). Send message and Billing support open your account portal, where support tickets are available on paid plans
• Community forums (if available)

10.2Response Times

We aim to respond to support requests as quickly as possible, typically within 2-3 business days. Response times may vary based on request complexity and support volume.

10.3Support Hours

We do not offer 24/7 support at this time; we aim to reply within the response times in Section 10.2.

Your usage of the Service is subject to the limits defined by your subscription plan:

• Credits: Spent by chat questions, generated content, research runs, course steps and scheduled tasks
• Storage capacity: Total document storage
• Upload and audio limits: The largest upload and audio transcription hours

Paid-plan allowances reset each billing cycle. The Trial is a one-time allowance of storage and of chat and Make credits, and its audio transcription hours are one-time too; they do not reset. Documents you email in are refused while any plan limit has been reached, including the number of audio files your plan keeps. If you exceed limits:

• Service may be temporarily restricted until the next billing cycle
• You may be prompted to upgrade to a higher plan
• You can purchase additional capacity if available

12.1Beta Features

We may offer beta, preview, or experimental features ("Beta Features"). Beta Features:

• Are provided "as-is" with no warranties
• May be unstable, incomplete, or change without notice
• May be discontinued at any time
• Should not be used for production or critical workflows

12.2Feedback

If you use Beta Features and provide feedback, we may use that feedback without restriction or compensation to improve our Service.

12.3Beta Billing

Unless we expressly state that a Beta Feature is free during the beta period, Beta Features may consume credits or count toward your plan's usage limits at the same rate as the corresponding production feature.

To the extent permitted by law, you agree to indemnify, defend, and hold harmless Vizio Consulting Inc., its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service
• Your uploaded content or documents (Input)
• Your use of AI-generated Output
• Your violation of these Terms of Service
• Your violation of any applicable laws or regulations
• Any claim that your content infringes or violates any third-party intellectual property or privacy rights
• Any activities conducted under your account

This indemnification obligation will survive termination of these Terms of Service and your use of the Service.

THE LIMITATIONS IN THIS SECTION APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. Some countries, provinces and states do not allow the disclaimer of certain warranties or the limitation of certain damages, so some or all of the terms above may not apply to you, and you may have additional rights. In that case, these Terms only limit our responsibilities to the maximum extent permissible in your jurisdiction. Nothing in these Terms limits any liability that cannot be limited under the law that applies to you.

VIZIO CONSULTING'S AFFILIATES, SUPPLIERS, LICENSORS, AND DISTRIBUTORS ARE INTENDED THIRD PARTY BENEFICIARIES OF THIS SECTION.

15.1Your Right to Terminate

You are free to stop using the Service at any time. You can cancel a paid plan on the Plan page of your account portal at corpgptai.com/customer-login, close a free account in the portal's Settings → Delete account, or contact support@corpgptai.com.

15.2Our Right to Terminate or Suspend

We reserve the right to suspend or terminate your access to the Service or delete your account if we determine:

• You breached these Terms or our Acceptable Use Policy
• We must do so to comply with applicable law
• Your use of the Service could cause risk or harm to Vizio Consulting, our users, or anyone else
• Your account has been inactive for over one (1) year and you do not have a paid subscription

If we terminate your account for inactivity, we will provide you with advance notice via email.

15.3Repeat Infringer Policy

In accordance with applicable copyright and intellectual-property laws — including Canada's Copyright Act and, for users in the United States, the Digital Millennium Copyright Act (17 U.S.C. § 512(i)) — CorpGPT has adopted a policy of terminating, in appropriate circumstances and at our sole discretion, the accounts of users who are deemed to be repeat infringers of intellectual-property rights. We may also, in our sole discretion, limit access to the Service or terminate the accounts of any users who infringe any intellectual-property rights of others, whether or not there is any repeat infringement. We track copyright notices received under Section 17 and other credible reports of infringement, and we may treat a user as a repeat infringer based on the number, severity, and pattern of complaints. Termination under this Section 15.3 does not entitle the user to a refund and is in addition to all other rights and remedies available to us under these Terms or at law.

15.4Effect of Termination & Data Retention

Upon termination of your account:

• Your access to the Service will be immediately revoked
• For paid accounts, no refunds will be provided for the remaining subscription period, except where required by applicable consumer-protection law
• Sections of these Terms that by their nature should survive termination will remain in effect (including intellectual property rights, warranty disclaimers, indemnification, limitation of liability, and the trial-eligibility ledger described in Section 8.9)

You may request earlier deletion of your data by contacting support, and we will honor such requests to the extent permitted by law.

15.5Appeals Process

If you believe we have suspended or terminated your account in error, you may file an appeal by:

• Contacting support@corpgptai.com with subject line “Account Termination Appeal”
• Providing your account information and explanation
• Including any supporting documentation

We will review appeals within 10 business days and respond with our decision.

We may decide to discontinue the Service as a whole or a paid plan, but if we do:

• We will provide at least 90 days advance notice via email
• You will have the opportunity to export your data
• We will provide a pro-rated refund for any prepaid, unused subscription fees

Individual features may be added, changed or retired at any time, as described in Sections 12.1 and 18.2; this 90-day notice does not apply to them.

17.1Copyright Policy

We respect the intellectual property rights of others and expect our users to do the same. If you believe that your copyrighted work has been copied or uploaded to the Service in a way that constitutes copyright infringement, please notify us. One complaint process applies to everyone, wherever you are: it works under Canada's Copyright Act, and it also serves as the notice process under the United States Digital Millennium Copyright Act (DMCA) for rights holders in the United States.

17.2How to Send a Copyright Complaint

To report a copyright infringement (including a notice under the DMCA), send a written notice to:

Your notice must include:

1. A physical or electronic signature of the person authorized to act on behalf of the copyright owner
2. A description of the copyrighted work that you claim has been infringed
3. A description of where the allegedly infringing material is located in the Service (with sufficient detail for us to locate it)
4. Your contact information (address, telephone number, and email address)
5. A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law
6. A statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf

17.3Repeat Infringer Policy

We may delete or disable content that we believe violates these Terms or is alleged to be infringing. We will terminate accounts of repeat infringers where appropriate.

17.4Counter-Notice

If you believe your content was removed in error, you may file a counter-notice by contacting us at the address above with:

1. Your physical or electronic signature
2. Identification of the material that was removed and its location before removal
3. A statement under penalty of perjury that you have a good-faith belief the material was removed by mistake or misidentification
4. Your contact information and, if your address is in the United States, your consent to the jurisdiction of the federal court for your district (if your address is outside the United States, your consent to the jurisdiction of the courts named in Section 20)

18.1Right to Modify

We may update these Terms from time to time. We may make changes due to:

• Changes to the law or regulatory requirements
• Security or safety reasons
• Circumstances beyond our reasonable control
• Changes we make in the usual course of developing our Service
• To adapt to new technologies

18.2Notice of Changes

We may update, change and enhance the Service and these Terms at any time to improve the user experience, add or retire features, or reflect legal, security or operational needs.

• How you learn about changes: Updated Terms are posted on our website, and each update is posted with a new Last-updated date; for significant changes we may also email you. Updated Terms take effect when posted.
• Your acceptance: Continuing to use the Service after updated Terms are posted means you accept them.

18.3Your Options

If you do not agree to the updated Terms:

• You must stop using the Service
• You may cancel your subscription at any time
• If you cancel due to material adverse changes, you may be eligible for a pro-rated refund of any prepaid fees

Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

18.4Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

19.1Assignment

You may not assign or transfer any rights or obligations under these Terms without our prior written consent, and any attempt to do so will be void. We may assign our rights or obligations under these Terms to any affiliate, subsidiary, or successor in interest of any business associated with our Service without restriction.

19.2Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, contain the entire agreement between you and Vizio Consulting regarding the Service and supersede any prior or contemporaneous agreements.

19.3Waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to do so later. Any waiver must be in writing and signed by an authorized representative of Vizio Consulting.

19.4Third-Party Services

The Service may integrate with or contain links to third-party services, products, or websites. These third-party services are subject to their own terms and privacy policies, and we are not responsible for them. We encourage you to read their terms before using any third-party services.

19.5Export Controls and Trade Compliance

You must comply with the sanctions and export-control laws that apply to you and to us. These include the laws of Canada — the Special Economic Measures Act, the United Nations Act, the Justice for Victims of Corrupt Foreign Officials Act, the Export and Import Permits Act and the Criminal Code — and, where they apply, the laws of the United States and of other countries. The Service may not be used:

• In or for the benefit of any country or territory where supplying the Service is prohibited by those laws
• By or for the benefit of any individual or entity with whom dealings are prohibited or restricted under those laws
• For any end use prohibited by those laws

Your Input may not include material or information that requires a government license for release or export.

19.6Force Majeure

We will not be liable for any delay or failure to perform our obligations under these Terms due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, labor disputes, or government actions.

19.7International Users & Privacy Rights

The Service is hosted on Amazon Web Services (AWS) in the United States and your data is stored on AWS infrastructure located in the United States; it may also be processed in other countries by AWS and by the providers listed in our Privacy Policy. If you access the Service from outside the United States, you consent to the transfer, processing, and storage of your data in the United States and in those other countries. Residents of the European Economic Area, the United Kingdom, Switzerland, California, and other jurisdictions with applicable data-protection laws may have additional rights (including access, correction, deletion, portability, and objection) as described in our Privacy Policy.

19.8Cookies & Tracking

The Service uses cookies and similar technologies for authentication, security, preferences, analytics, and advertising measurement. Details of what we collect and how to manage your choices are described in our Privacy Policy.

20.1Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions. Section 20.4 says what this means if you are a consumer.

20.2Informal Resolution

Before starting any court proceeding, you agree to first contact us at support@corpgptai.com with a written description of your dispute, the relief you seek, and your contact information. We will work in good faith to resolve the dispute informally within 30 days of receiving your notice. If the dispute is not resolved within that period, either party may bring it to the courts described in Section 20.3. Any time limit for bringing a claim stops running from the day we receive your notice until those 30 days end.

20.3Where Disputes Are Decided

If we cannot settle a dispute informally, it will be decided by the courts of the Province of Ontario, Canada, and you and Vizio Consulting accept the jurisdiction of those courts.

• If you use the Service for a business, those courts have exclusive jurisdiction over the dispute.
• If you are a consumer, and the law of the place where you live gives you the right to bring your claim in the courts of that place, you keep that right.

Either party may ask any court with jurisdiction for an urgent order (such as an injunction) to stop misuse of the Service, infringement of intellectual property, or other irreparable harm.

There is no mandatory arbitration under these Terms, no waiver of your right to take part in a class proceeding, and no contractual time limit for bringing a claim shorter than the one the applicable law gives you.

20.4Your Rights as a Consumer

You are a consumer if you are an individual using the Service for personal, family or household purposes and not for a business.

Nothing in these Terms takes away a right that the consumer-protection law of the place where you live gives you and that cannot be given up by agreement. Where that law says its rules apply to your contract with us, they apply, and these Terms are read subject to them.

20.5Notes for Customers in Particular Places

• Québec. If you are a consumer living in Québec, the consumer-protection laws of Québec apply to your contract with us, and nothing in these Terms prevents you from bringing a claim in the courts of Québec.
• European Economic Area, United Kingdom and Switzerland. If you are a consumer living there, you keep the protections of the law of your country of residence, including any right to bring a claim in its courts and any statutory right to cancel a purchase within a set period (see Section 8.8 on refunds).
• Australia. If the Australian Consumer Law applies to you, the Service comes with guarantees that cannot be excluded, and nothing in these Terms limits them.

For questions about these Terms of Service, contact us at:

• For copyright complaints, see Section 17 above.
• For account termination appeals, see Section 15.5 above.

Effective Date: September 30, 2026