TERMS AND CONDITIONS OF USE OF THE HEART GIVING ASSOCIATION PLATFORM

I. AGREEMENT OF USE, OPERATIONAL SCOPE, AND LEGAL BINDING

1.1. Preamble. This document, hereinafter referred to as “Terms of Use” or “the Agreement,” constitutes a binding membership agreement that governs all access, interaction, and use of the online platform and the associated digital ecosystem, operated under the name Heart Giving Association, referred to herein as “the Platform” or “the Association.” This Agreement establishes the rights, duties, obligations, and limitations applicable to any individual or entity accessing the Platform, hereinafter referred to as “the User,” “the Participant,” or “the Member.”

1.2. Definition of the Scope of the Platform. The Platform is a digital conceptual engagement environment that offers Users the opportunity to participate in awareness-raising activities on various social issues. Interaction with the Platform occurs primarily through: a) the acquisition of artistic and collectible digital assets in the form of symbolic certificates; and b) subscription to a membership club that grants access to an exclusive educational content platform. The Platform is not and should not be construed as a venue for external individuals or organizations (“Social Causes”) to create fundraising campaigns. All “Causes” or “Social Projects” are engagement themes created and curated exclusively by the Association itself to serve as a backdrop for the activities and digital products offered. Financial contributions made by users are not “Donations,” but rather payment for the acquisition of said digital assets or the membership club subscription fee, which in turn generates “Engagement Credits ($)” to unlock courses, as detailed in the Privacy Policy.

1.3. Unequivocal Acceptance of the Terms. Careful and complete reading of this Agreement, along with the Privacy Policy that complements it, is an essential condition for using the Platform. Continued access, navigation, or any transaction on the Platform constitutes a manifestation of tacit, irrevocable, and unequivocal consent by the User, who acknowledges having read, understood, and agreed to be legally bound by all clauses herein. If the User does not agree with any provision of this Agreement, they must immediately cease using and accessing the Platform and all its associated services.

1.4. Clarification on the Origin of Campaigns and Projects. It is reiterated for the sake of clarification that the Platform operates under a closed curation model. All “projects,” “campaigns,” and “causes” presented are conceptual creations and narratives developed internally by the Heart Giving Association team for the sole purpose of fostering engagement and contextualizing the digital products and educational services offered. The Platform is not an open marketplace for raising funds from third parties, and any User, Member, or external entity is prohibited from submitting, creating, or managing their own campaigns for capital raising or any other purpose.

1.5. Document Review and Evolution Protocol. This Terms of Use Agreement is subject to unilateral revisions, amendments, or restructuring by the Association at any time to reflect changes in operational paradigms, service offerings, or regulatory criteria. The most recent and current version of this document will always be publicly available on the Platform. It is the User’s sole responsibility to check for updates upon each new access. Use of the Platform after the publication of a revised version will imply tacit and full access to the new terms and conditions.

II. PARTICIPATION PROTOCOLS, ASSET PURCHASE, AND MEMBERSHIP SUBSCRIPTION
2.1. Legal Nature of the Transaction. The Participant acknowledges and agrees that any and all financial transactions conducted on the Platform constitute a direct commercial transaction with the Heart Giving Association. The amounts transferred by the Participant are not, and should not be construed as, “Donations” to any third party, cause, or project. Such amounts represent payment for the acquisition of digital products, specifically Digital Representation Objects (DROs) in the form of collectible certificates, and/or the subscription fee that grants Member status and access to digital services, including the educational content platform and the allocation of Engagement Credits ($). The Heart Giving Association is the sole beneficiary and seller in all transactions.
2.2. Payment Processing and Fees. All transactions are processed through third-party payment providers, such as Stripe, PayPal, or others that may be integrated (“Payment Processors”), and are subject to the terms and conditions of service of said processors. Transaction fees charged by these processors are already included in the final price displayed on the payment page. The minimum amount for any transaction is one US dollar ($1.00 USD) or its exchange rate equivalent. Transactions are processed in the displayed currency, and if the Participant’s payment method is in a different currency, conversion fees may apply from their financial institution, over which the Association has no control or responsibility.
2.3. Execution and Irreversibility Policy. All transactions are considered final and executed upon confirmation by the Payment Processor. Once a Supporting Contribution is processed and the corresponding Engagement Credits ($) and/or access to the digital certificate are allocated to the Participant’s account, the transaction cannot be canceled or reversed. The nature of this digital consumer good precludes the application of return or refund policies. If the Participant wishes to increase their credit balance, they must initiate a new contribution transaction.
2.4. Cancellation of Recurring Subscriptions. For Recurring Contribution Model (RCM) subscriptions, the Member may request cancellation of the recurring subscription at any time through their account settings. Cancellation will cease all future charges but will not generate a full or partial refund of the subscription fee for the current billing period. Access to member benefits will remain active until the end of the period for which it has already been paid.
2.5. Digital Assets and Access to Content. As described in the Privacy Policy, the consideration for the Participant’s Support Contribution consists of the delivery of digital assets and services within the Platform ecosystem. This includes the issuance of the corresponding Digital Representation Object (DRO) and the allocation of Engagement Credits ($) to the Participant’s account, which serve as access keys to unlock the platform’s educational content. The delivery and functionality of these assets and services are the sole responsibility of Heart Giving Association.
2.6. Tax Status of the Contribution. It is explicitly and unequivocally established that all Supporting Contributions made on the Platform are characterized as the purchase of digital products and services. They are not, under any circumstances, charitable donations and, therefore, are not eligible for tax deductions or any other tax benefits associated with donations to charitable organizations.
2.7. Receipts and Proof. The receipt issued and sent to the Participant after a transaction is proof of commercial purchase and should not be used for tax reporting purposes as a donation. It is the Participant’s sole and exclusive responsibility to understand and comply with their local tax obligations regarding the purchase of goods and services online.
2.8. Exemption from Liability and Tax Indemnity. By using the Platform, the Participant agrees that Heart Giving Association, its directors, affiliates, and partners are not liable for any taxes, interest, fines, penalties, or other claims related to the tax treatment of their Supporting Contribution. The Participant agrees to indemnify and hold the Association harmless from any claim, lawsuit, or cost arising from an attempt to characterize their commercial transaction as a tax-deductible donation.

III. INTELLECTUAL PROPERTY, PLATFORM CONTENT, AND USER INTERACTION GUIDELINES

3.1. Ownership and Sovereignty of Intellectual Property. It is hereby agreed and unequivocally established that the entire content collection, in its entirety and without exception, presented, broadcast, or otherwise made available on the Platform—which includes, but is not limited to, all texts, graphic elements, narratives, data structures, images, videos, the conceptual architecture and design of the “Awareness Campaigns,” “Engagement Themes,” Digital Representation Objects (DROs), and all materials comprising the educational collection—constitutes the exclusive, sole, sovereign, and non-delegable intellectual property of the Heart Giving Association. This intellectual property is duly protected by copyright and industrial property laws, and applicable international treaties. No clause of this Agreement or element of the Platform may, under any circumstances or hermeneutic construction, be interpreted as a transfer of rights or as an acknowledgment that such content was created, managed, endorsed by, or represents any third-party entity, organization, or individual.

3.2. Nature and Primary Purpose of the Content. The “Campaigns” and “Projects” displayed within the Platform are, for all legal purposes, constructs of narrative fiction and conceptual simulations. They were created with the sole and primary purpose of serving as thematic and contextual substrate for the offering of the Association’s digital products and services, namely, collectible certificates and access to educational content. Any financial goals, progress bars, counters, or other similar indicators of campaign “success” are interface elements with a purely ornamental and gamification function, intended to symbolically represent the level of engagement of the Member community. These visual elements bear no correlation to the execution of a project in the real world, do not represent the allocation of resources for a specific purpose, and do not generate any expectation of right or obligation of result on the part of the Association.

3.3. Granting of License to Use to the Participant. Upon completion of a transaction to acquire a digital asset or subscribe as a Member, the Association grants the Participant, on a personal basis, a temporary, limited, non-exclusive, non-transferable, and revocable license to access and use the Platform’s content, at the Association’s sole discretion. This license is granted for the exclusive purpose of the Participant’s personal, private, and non-commercial enjoyment of the content, within the strict limits of the Platform’s functionality. This grant includes the right to view the educational content unlocked through Engagement Credits ($) and to retain possession, for personal archiving purposes, of the specific digital file (the ORD or certificate) that was legitimately acquired. It is hereby clarified that this license does not confer, convey, or imply any ownership rights to the underlying content or the Association’s intellectual property.

3.4. User Conduct and Prohibitions. Users or Members are strictly prohibited from engaging in any of the following acts, under penalty of immediate termination of the granted license of use and the application of applicable civil and criminal sanctions:
a) Reproducing, in whole or in part, decoding, decompiling, reverse engineering, distributing, sublicensing, renting, leasing, publicly displaying, transmitting, or otherwise commercially exploiting any content on the Platform without the Association’s prior express written consent;
b) Claiming to be or acting as a representative, partner, agent, affiliate, or creator of any “campaign,” “cause,” or narrative disseminated by the Platform;
c) Use the Platform, its communication channels, or its Member community to, directly or indirectly, solicit funds, donations, sponsorships, or any type of financial or material contribution for yourself or third parties;
d) Employ any automated technological means, including, but not limited to, “bots,” “crawlers,” “scrapers,” or “spiders,” to extract, collect, or monitor data or interact with the Platform’s architecture or content;
e) Use the Heart Giving Association brand, business name, logos, or any visual identity element for any purpose not expressly authorized in this Agreement.

3.5. Disclaimer of Warranties Regarding Content and No Obligation to Do. The entire content of the Platform is provided “as is and as available,” without any warranties, express, implied, or statutory.

IV. GENERAL PROVISIONS, ACCESS TERMS, CONTRACTUAL OBLIGATIONS, AND LIABILITY REGIME APPLICABLE TO ALL USERS

4.1. Legal Nature of the Instrument and Identification of the Operating Entity. This document constitutes, for all legal and factual purposes, an electronic Membership Agreement, drawn up in accordance with current civil law. Acceptance thereof, expressed by continued browsing or the execution of any transaction on the Platform, represents a complete legal act, consolidating a binding contractual relationship between the User and the conceptual entity Heart Giving Association. It is reiterated that the aforementioned Association operates as a non-local entity, with its management and operations conducted remotely and decentralized.

4.2. Official Communication Channel. It is agreed that the sole and exclusive channel for any and all official communication, notification, summons, citation, or subpoena is the email address contact@heartgivingassociation.org. Any attempt at communication, no matter how formal, made by other means, whether physical or digital, will be considered null and void, ineffective, and legally inexistent, and will not generate any obligation to respond or provide notice on the part of the Association.

4.3. Eligibility and Accreditation Requirements. Enjoyment of the Platform’s full functionality, notably the ability to purchase digital assets and subscribe to the membership club, is strictly conditioned upon the cumulative satisfaction of the following eligibility requirements:
4.3.1. Full Civil Capacity. By initiating the registration process, the User represents and warrants, under penalty of law, that he or she is 18 (eighteen) years of age or older, is in full possession of his or her mental faculties and has the civil capacity to consent to, be bound by, and comply with the obligations under this Agreement.
4.3.2. Duty of Registration Veracity. The User assumes the contractual obligation to provide strictly accurate, complete, current, and truthful information during the registration process. Additionally, the User assumes the ongoing duty to ensure the immediate updating of his or her registration data whenever there is any change. The Association reserves the right, at its sole discretion, to request supporting documentation for identity or data verification purposes, if deemed necessary.

4.4. Consequences of Registration Violation. Any discovery, at any time, of false, incomplete, untrue, or outdated information, or any refusal to provide supporting documentation when requested, shall constitute a material and serious breach of these Terms. Such breach authorizes the Association to proceed, at its discretion and without prior notice, with the immediate and precautionary suspension of the Member Account, followed by possible unilateral and definitive termination of the contractual relationship, without prejudice to the assessment of any losses and damages and the adoption of applicable judicial and extrajudicial measures.

4.5. Guardianship of the Member Account and the User’s Strict Liability. The responsibility for implementing security measures and safeguarding the integrity and confidentiality of the Member Account and its access credentials is personal, non-delegable, and objective in nature. Sharing or permitting the use of such credentials by third parties is strictly prohibited. The User is and will be solely and exclusively responsible for any and all activity, transaction, communication or manifestation originating from his/her account, regardless of his/her express authorization.

4.5.1. Security Breach Notification Procedure. In the event of loss, theft, or any form of access by unauthorized third parties to their credentials, the User undertakes to notify the Association immediately and through the official channel, providing a detailed account of the facts and circumstances that led to the security breach. Failure to provide or delay such notification will increase the User’s liability for any resulting damages.

4.6. Sovereign Prerogative of Moderation and Management of the Digital Ecosystem. The Association, as manager and owner of the Platform, holds the sovereign and discretionary prerogative to, at any time and without the need for notification or justification, take any actions it deems necessary to maintain the order, security, and integrity of its digital ecosystem. Such actions include, but are not limited to:
a) Suspension, which may be temporary or permanent, blocking by IP address, restricting functionality, or definitively terminating access to any Member Account;
b) Canceling transactions, reversing Engagement Credit ($) allocations, or invalidating certificates in cases of suspected fraud;
c) Editing, deleting, or moderating any user-generated content.
By accepting these Terms, the User expressly waives any right to challenge or seek redress or compensation arising from the Association’s regular exercise of such moderation prerogatives.

4.7. Relationship with Payment Processors and Risk Allocation. The User acknowledges that the Association does not act as a financial institution, bank, acquirer, intermediary, or payment arrangement. The Platform merely provides a technological interface that connects to third-party payment processors. The User’s contractual relationship with the payment processor is independent and independent of this Agreement. The User releases the Association from any and all liability for failures, interruptions, transaction disputes, chargebacks, or security issues related to payment processing, and must resolve such issues directly with the payment service provider. Any refunds, if applicable under exceptional circumstances, will be processed net of any non-refundable fees charged by payment processors.

4.8. Legal and Tax Nature of Transactions. It is reiterated, as a permanent clause of this instrument, that financial contributions to the Platform are commercial transactions for the acquisition of digital products and services. The User represents that they are fully aware and agree that such transactions do not qualify as charitable donations and, therefore, are ineligible for any tax benefits. The User further declares that they have had the opportunity to consult independent tax advice and that they do not rely on any information provided by the Platform to make their tax decisions.

4.9. Intellectual Property and User-Generated Content (UGC). Ownership of the Platform’s intellectual property is governed by Section III. With regard to the UGC, the User grants the Association a perpetual and irrevocable license to use, host, and create derivative works from such content. To the maximum extent permitted by law, the User waives any moral rights they may have in the UGC, including, but not limited to, the rights of authorship of the work, integrity, and withdrawal of the work from circulation.

4.10. Prohibited Conduct and Activities. The User agrees not to engage in, nor permit third parties to engage in, any of the following acts through their account:
4.10.1. Violation of Rights: Infringing intellectual property rights, image rights, privacy rights, or any other rights of third parties or the Association itself.
4.10.2. Unlawful Acts: Using the Platform for any purpose that is illegal, fraudulent, defamatory, libelous, or that promotes hatred, discrimination, or violence.
4.10.3. Unauthorized Commercial Acts: Using the Platform for advertising, multi-level marketing, pyramid schemes, or any form of unauthorized commercial solicitation.
4.10.4. Attacks on Technological Infrastructure: Introducing viruses, malware, or any malicious code; conducting denial-of-service (DoS) attacks, code injection, or any other attempt to exploit vulnerabilities and compromise the security and integrity of the Platform.

4.11. Full Indemnity Clause and Duty of Cooperation. The User agrees to indemnify, defend, and hold harmless the Association and its representatives from any and all liability arising from their use of the Platform. If the Association is a party to any administrative, judicial, or arbitration proceeding arising from acts committed by the User, the User shall be obliged to fully cooperate with the defense, providing all necessary information and support, without prejudice to its obligation to indemnify. This indemnification clause shall survive the termination or rescission of this Agreement.

4.12. Exemptions from Liability and Limitation of Contractual Liability. Without prejudice to the inalienable rights of the consumer, the Platform is provided “as is.” The Association does not guarantee that the Platform will meet the User’s subjective expectations or that it will be error-free. The Association disclaims liability for any emotional or psychological harm resulting from interaction with the Platform’s symbolic content or with other users. The Association’s total liability for any claim arising from this Agreement shall be limited to the greater of the amount paid by the User to the Association in the three months prior to the event giving rise to the claim or the amount of fifty US dollars (USD 50.00).

4.13. Assignment of Rights. The User may not assign, transfer, or sublicense their rights and obligations under this Agreement. The Association, however, may assign, transfer, or delegate any of its rights and obligations to any third party at any time without notice.

4.14. General Provisions, Dispute Resolution, and Entire Agreement. A party’s tolerance of noncompliance with any clause will not imply novation or waiver of rights. This Agreement constitutes the entire agreement between the parties, superseding any prior agreements. In the event of a dispute arising from this Agreement, the parties agree to first seek an amicable resolution through direct negotiation for a period of 30 (thirty) days. If the dispute persists, the parties agree to submit the dispute to an online mediation procedure, to be conducted by a neutral and independent entity, as a condition of admissibility before resorting to any judicial or arbitration means.

V. CONTRACT TERMINATION REGIME, PLATFORM MODIFICATIONS, AND FINAL PROVISIONS

5.1. Unilateral Termination by the Association. The Heart Giving Association reserves the absolute, unrestricted, and discretionary right to, at any time, for any reason it deems appropriate, with or without justification, and without prior notice, suspend, restrict, or definitively terminate this Agreement with any User or Member, resulting in the termination of their Member Account and the revocation of their license to access the Platform. This prerogative will be particularly applicable in cases of violation, suspected, or confirmed noncompliance with any provisions of these Terms of Use or the Privacy Policy.

5.2. Termination by User Initiation. The User may, at any time and at their own discretion, request the termination of this contractual relationship and the consequent termination of their Member Account. Such request must be made exclusively through the automated procedures and mechanisms provided for this purpose in the account settings section within the Platform. Termination requests made through other channels, including email, will not be considered valid or processed.

5.3. Consequences of Termination and Post-Termination Data Processing. Upon termination of the Agreement by either party, the license granted to the User in clause 3.3 will be immediately and automatically revoked, ceasing any and all right of access to the Platform and its restricted content. The Association will, within a technically reasonable timeframe, process the User’s personal data as stipulated in the Privacy Policy, which may include the deletion or anonymization of such data, except in cases of mandatory legal retention required by law or regulation.

5.4. User’s Responsibility for Asset Backup. It is expressly agreed that it is the User’s sole and complete responsibility to back up or locally store any information, data, or digital assets of interest to them, including, but not limited to, Digital Representation Objects (DROs) or certificates they have purchased, prior to requesting or effecting account termination. The Association is under no obligation to provide the User with a copy of their data or content after account termination, and may permanently remove and discard any associated record, without the possibility of recovery.

5.5. Right to Modify, Suspend, or Discontinue the Platform. The Association reserves the unrestricted, sovereign, and unconditional right to, at any time, with or without prior notice, modify the structure, layout, functionalities, nomenclature, scope of services, educational content, credit system, or any other element of the Platform. Additionally, the Association may temporarily suspend or permanently discontinue all or any part of the Platform and its associated services. The User acknowledges and agrees that the exercise of such rights by the Association does not grant the User any right to compensation, reparation, refund, or any form of compensation, including with regard to unused Engagement Credits ($) or access to previously unlocked courses.

5.6. Applicable Law. This Agreement, as well as the legal relationship between the User and the Heart Giving Association, shall be governed, interpreted, and enforced in accordance with the laws of the Federative Republic of Brazil, without regard to any principles of conflicts of law that could lead to the application of the laws of another jurisdiction.

5.7. Dispute Resolution Clause. In the event of any dispute, controversy, or claim arising from or related to these Terms of Use, their breach, termination, or validity, the parties agree and undertake to first use their best efforts to resolve the matter amicably through direct negotiation for a period of no less than 30 (thirty) calendar days, starting from the receipt of written notification from the other party. If negotiation proves unsuccessful, the parties agree, as a condition for filing any judicial or arbitration measure, to submit the dispute to a mediation procedure to be conducted entirely online by a neutral and independent mediator to be chosen by mutual agreement. Only after proving the impossibility of resolving the dispute through mediation, either party may resort to the means they deem appropriate.

VI. GLOSSARY, CONTRACTUAL HERMENEUTICS, AND TERMINOLOGICAL INTERPRETATION

6.1. General Interpretative Clause. For the purposes of interpretation, interpretation, and application of each provision contained in this Agreement and its associated documents, the following capitalized terms and expressions, when used in the singular or plural, in any gender, shall be interpreted strictly in accordance with the meanings attributed to them below. It is agreed that such definitions shall prevail absolutely and supremely over any other understanding, inference, customary usage, or common sense that may be attributed to them.

6.2. Agreement. Designates this contractual instrument of Terms and Conditions of Use in its entirety, as well as all its appendices, attachments, addendums, policies incorporated by reference (notably the Privacy Policy), and any future amendments, revisions, or restructurings that may be unilaterally published by the Association, which will indivisibly comprise the set of rules governing the relationship between the parties.

6.3. Association. Designates the conceptual entity and rights holder Heart Giving Association, which is the sole and exclusive operator, manager, curator, and owner of the Platform and all its intellectual and conceptual assets, and is the contracted party in all commercial transactions carried out within the digital ecosystem.

6.4. Awareness Campaign or Engagement Theme. Refers to any and all narrative constructions, thematic frameworks, conceptual simulations, or interactive works of fiction created and presented exclusively by the Association on the Platform. These campaigns exist with the sole and primary purpose of serving as a thematic and contextual basis for the offering of digital products and services, and are devoid of any basis or correspondence with projects, people, facts, or organizations in the real world.

6.5. Platform Content. This refers to the entire intellectual property collection, tangible or intangible, owned by or licensed by the Association, which includes, but is not limited to, the software source code and object code, information architecture, databases, algorithms, trade secrets, brands, logos, domain names, visual identity elements (trade dress), texts, images, videos, and all educational materials.

6.6. User-Generated Content (UGC). This refers to any and all forms of expression, data, information, text, comments, reviews, testimonials, images, or other material that is, through the User’s voluntary and unequivocal act, submitted, uploaded, posted, or otherwise disseminated in the interactive or participation areas of the Platform, for which the User grants the Association the license to use described in this Agreement.

6.7. Supporting Contribution. This refers to the onerous legal act, of a strictly commercial and synallagmatic nature, executed by a Participant through a Payment Processor, the purpose of which is the acquisition of a license to use digital products (ORDs) and/or services (membership subscription) offered by the Platform, and which results in the subsequent allocation of Engagement Credits ($) to the Participant’s account.

6.8. Engagement Credits ($). Refers to the symbolic, internal, algorithmic, and non-transferable unit of account, represented by the character “$,” which acts solely as a participation metric and as a virtual cryptographic key for conditional access to specific educational content within the Platform ecosystem. These credits have no monetary or fiduciary value and cannot be sold, exchanged, or transferred, and are not to be confused with electronic currency, securities, financial instruments, or any other form of asset with fungibility or external portability.

6.9. Personal Data. Designates all information related to an identified or identifiable natural person (“Data Subject”), under applicable data protection legislation. Includes, without limitation, registration data, online identifiers (such as IP addresses), geolocation data, and any other information that, alone or in conjunction with other information, may lead to the identification of an individual, as well as “sensitive personal data,” as defined by law.

6.10. Member. Designates the qualification of a Participant who, by accepting specific terms and fulfilling a periodic payment obligation, formally adheres to the Recurring Contribution Model (MCR), acquiring a differentiated contractual status that grants access to exclusive benefits and content, according to the current offer.

6.11. Digital Representation Object (DRO). Designates the intangible digital asset, embodied in an electronic file in a specific format (e.g., PDF, JPG), that represents an artistic-graphic work of a symbolic and collectible nature. The acquisition of a DRO grants the Participant ownership of that specific digital file (the corpus mechanicum), but does not transfer any copyright or intellectual property rights to the work contained therein (the corpus mysticum), which remain the exclusive property of the Association.

6.12. Participant. Designates the legal status acquired by a User that transcends mere passive browsing by successfully and voluntarily executing at least one Supporting Contribution transaction. By such act, the User establishes a legal and commercial relationship with the Association, becoming a contracting party to this Agreement and subject to all clauses applicable to such status.

6.13. Platform. Designates the complex technological and conceptual ecosystem operated by the Association, which comprises the main website and its subdomains, as well as the entire back-end infrastructure, databases, algorithms, software, content, and any other logical or physical components that enable the provision of the services described herein.

6.14. User. Designates the broadest and most generic status of any natural person who establishes an interaction, even if ephemeral, with any public access point of the Platform, regardless of formalizing a registration, creating a Member Account, or conducting any transaction. The User condition is the initial state of any interaction, encompassing subsequent qualifications (Participant and Member), but not to be confused with them.

Last updated and effective date: July 1, 2025.