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Terms of Service

The legal agreement governing your use of Nextvisit.

1. Introduction

Welcome to Nextvisit AI Inc ("Nextvisit," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of Nextvisit's website, products, and services (collectively, the "Service"). References to "Nextvisit Inc" in legacy materials refer to our subsidiary company.

Read these Terms carefully before using our Service. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access or use the Service.

IMPORTANT: THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 22, WHICH AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM CAREFULLY.

2. Communications

By creating an Account on our Service, you agree to subscribe to newsletters, marketing or promotional materials, and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us at hello@nextvisit.ai.

3. Purchases

If you wish to purchase any product or service made available through the Service ("Purchase"), you may be asked to supply certain information relevant to your Purchase including but not limited to, your credit card number, the expiration date of your credit card, your billing address, and your shipping information.

You represent and warrant that: (i) you have the legal right to use any credit card(s) or other payment method(s) in connection with any Purchase; and that (ii) the information you supply to us is true, correct, and complete.

The Service may employ third-party services for the purpose of facilitating payment and the completion of Purchases. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy.

4. Contests, Sweepstakes, and Promotions

Any contests, sweepstakes, or other promotions (collectively, "Promotions") made available through the Service may be governed by rules that are separate from these Terms. If you participate in any Promotions, please review the applicable rules as well as our Privacy Policy. If the rules for a Promotion conflict with these Terms, the Promotion rules will apply.

5. Subscriptions and Auto-Renewal

Some parts of the Service are billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis ("Billing Cycle"). Billing cycles are set either on a monthly or annual basis, depending on the type of subscription plan you select when purchasing a Subscription.

Automatic Renewal Disclosure

AUTOMATIC RENEWAL TERMS: YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING CYCLE UNLESS YOU CANCEL IT BEFORE THE RENEWAL DATE. BY SUBSCRIBING, YOU AUTHORIZE US TO CHARGE YOUR PAYMENT METHOD ON A RECURRING BASIS FOR THE SUBSCRIPTION FEE PLUS ANY APPLICABLE TAXES, WITHOUT FURTHER AUTHORIZATION FROM YOU, UNTIL YOU CANCEL.

At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or Nextvisit AI Inc cancels it. The renewal charge will be at the then-current rate, which may differ from your initial subscription rate.

Cancellation

You may cancel your Subscription renewal at any time through your online account management page or by contacting Nextvisit AI Inc at hello@nextvisit.ai. To avoid being charged for the next Billing Cycle, you must cancel your Subscription before the renewal date. Upon cancellation, you will continue to have access to the Service through the end of your current paid Billing Cycle.

6. Support Services

Nextvisit strives to provide exceptional support to all users through our dedicated support channels. We take a best-effort approach to resolve issues promptly and effectively, while maintaining clear boundaries to ensure consistent, high-quality assistance for platform-specific matters.

Support Scope

Our support typically includes, but is not limited to: core platform functionality, account management and access, service availability and performance, AI transcription features, platform navigation and basic usage, and standard feature implementation.

Beyond Our Scope

Examples of services we do not provide include: medical workflow customization, unsupported third-party integrations, end-user support for your patients or staff, EMR/EHR system configuration, healthcare compliance consultation, and general IT infrastructure assistance.

Important Notice

While our support team is knowledgeable about our platform, we cannot provide medical, legal, or compliance advice. Users remain solely responsible for ensuring their use of Nextvisit complies with all applicable healthcare regulations and professional standards. For support inquiries, contact us at hello@nextvisit.ai or through your account dashboard. Response times may vary based on issue severity and current support volume.

7. Free Trial

Nextvisit AI Inc may, at its sole discretion, offer a Subscription with a free trial for a limited period of time ("Free Trial").

You may be required to enter your billing information to sign up for the Free Trial. If you do enter your billing information when signing up for the Free Trial, you will not be charged by Nextvisit AI Inc until the Free Trial has expired. On the last day of the Free Trial period, unless you cancelled your Subscription, you will be automatically charged the applicable subscription fee for the type of Subscription you have selected.

At any time and without notice, Nextvisit AI Inc reserves the right to (i) modify the terms and conditions of the Free Trial offer, or (ii) cancel such Free Trial offer.

8. Fee Changes

Nextvisit AI Inc reserves the right to modify its fees for Subscriptions or any Service at any time in its sole discretion. Any fee changes will become effective at the end of the then-current Billing Cycle. We will provide you with reasonable prior notice (at least thirty (30) days) of any change in fees to give you an opportunity to terminate your Subscription before such change becomes effective.

Your continued use of the Service after the fee change comes into effect constitutes your agreement to pay the modified fee amount.

9. Refunds

Except when required by law, paid Subscription fees are non-refundable. However, Nextvisit may, at its sole discretion, provide refunds or credits in exceptional circumstances or for specific technical issues. Each request will be evaluated on a case-by-case basis.

10. Content

a. User Content

Our Service allows you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("User Content"). You are responsible for the User Content that you post on or through the Service, including its legality, reliability, and appropriateness.

b. License to User Content

By posting User Content on or through the Service, you represent and warrant that: (i) the User Content is yours (you own it) and/or you have the right to use it and the right to grant us the rights and license as provided in these Terms, and (ii) that the posting of your User Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity.

c. AI Generated Content

Content generated by our AI technology is provided for convenience and clinical documentation assistance only. Nextvisit AI Inc makes no warranties about the accuracy, completeness, or reliability of AI-generated content. You are solely responsible for reviewing, verifying, and approving all AI-generated content before use in any clinical, medical, or professional context. AI-generated content does not constitute medical advice, diagnosis, or treatment recommendations.

11. Prohibited Uses

You agree not to use the Service:

  1. In any way that violates any applicable federal, state, local, or international law or regulation;
  2. To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation;
  3. To impersonate or attempt to impersonate Nextvisit AI Inc, a Nextvisit employee, another user, or any other person or entity;
  4. To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service;
  5. For any purpose that is unlawful or prohibited by these Terms;
  6. To attempt to probe, scan, or test the vulnerability of the Service or any related system or network; or
  7. To use any automated system, including but not limited to "robots," "spiders," or "offline readers."

12. No Use By Minors

The Service is intended only for access and use by individuals at least eighteen (18) years old. By accessing or using the Service, you warrant and represent that you are at least eighteen (18) years of age and have the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of these Terms.

13. Accounts

When you create an account with us, you guarantee that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password.

14. Intellectual Property

The Service and its original content (excluding User Content and AI Generated Content), features, and functionality are and will remain the exclusive property of Nextvisit AI Inc and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Nextvisit AI Inc.

15. Data Security and Compliance

As a healthcare provider using the Service, you acknowledge and agree that you are:

  1. The primary custodian of all Protected Health Information (PHI);
  2. A Covered Entity under HIPAA regulations;
  3. Solely responsible for compliance with HIPAA, HITECH, and all applicable federal, state, and local healthcare laws and regulations; and
  4. Required to maintain appropriate security measures, including but not limited to: unique login credentials for all users, enabled multi-factor authentication, regular security audits, and immediate notification to Nextvisit of any security breaches.

Business Associate Agreement

Nextvisit AI Inc acts as a Business Associate under HIPAA. A Business Associate Agreement (BAA) is available upon request and may be required prior to processing any Protected Health Information through the Service. To request a BAA, please contact us at hello@nextvisit.ai.

AI Providers, Subprocessors, and Data Use

Nextvisit uses AI gateways, model providers, and other subprocessors to deliver the Service. We maintain BAAs and agreements with our AI gateways, model providers, and AI providers. Our AI and subprocessor disclosures describe provider roles, model routing, retention, redaction, and diagnostics. Provider and model selection changes with the task, selected mode, and available services. Personal information is handled as described in our Privacy Policy.

SpaceX/xAI is covered through OpenRouter's subprocessor arrangements while a direct agreement with xAI is in progress. Requests and storage containing patient information or other PII are restricted to the United States. Tasks without patient information or other PII can use providers globally.

As of 2026, model training using patient or provider information requires explicit opt-in. When a provider and patient opt in, eligible training data is limited to data created directly on Nextvisit and goes through our full PII redaction process. Data from third-party authentication services and connected sources, including Google Accounts, Google Calendar, and EHRs, is excluded even when training is enabled.

Our default requires consent from both the provider and patient; consent requirements depend on the applicable state, region, and locality. Contact our Help Center for training information, consent, opt-in, or withdrawal requests. Withdrawal excludes the information from future training. It does not reverse completed training or remove the information's effects from a Nextvisit model already trained on it.

Users participate in internal evaluations by default. These evaluations include transcripts and LLM traces and are used solely to monitor accuracy, quality, performance, and progress against our mission. Evaluation is separate from model training and does not constitute training opt-in. Opt-outs from traces and evaluations are available under enterprise or custom agreements; some services are unavailable with those restrictions.

You can request exclusion of a specific provider or subprocessor through our help center. We try to accommodate requests where feasible; availability is not guaranteed. Contact the same support channel to opt out of real user monitoring (RUM) or request an agreement covering trace and evaluation restrictions.

We notify users of subprocessor changes through a Terms of Service notification at login and aim to give 30 days' advance notice when possible. The notice requirement for material changes to these Terms in Section 27 and applicable customer agreements continues to apply.

16. Insurance Requirements

You acknowledge and agree that, as a condition of using the Service, you are required to maintain appropriate cyber liability and data breach insurance coverage throughout the term of your use of the Service. Such insurance shall provide coverage for data breaches, cyber incidents, and related claims arising from unauthorized access to, or disclosure of, Protected Health Information and other sensitive data. You agree to provide proof of such insurance coverage upon request by Nextvisit AI Inc. Failure to maintain appropriate insurance coverage may result in suspension or termination of your access to the Service.

17. Backup Requirements

You acknowledge and agree that:

  1. Nextvisit's backup systems are for disaster recovery purposes only;
  2. You are solely responsible for maintaining HIPAA-compliant backups of all patient records;
  3. Your backup procedures must comply with applicable medical record retention laws; and
  4. Nextvisit assumes no responsibility for data loss resulting from inadequate backup procedures.

18. Security Incidents and Breach Notification

In the event of a security incident or data breach, you must:

  1. Immediately notify Nextvisit at hello@nextvisit.ai;
  2. Comply with all applicable breach notification laws;
  3. Assume full responsibility for any resulting damages or penalties arising from your acts or omissions; and
  4. Cooperate with any necessary investigations.

19. Links To Other Web Sites

Our Service may contain links to third-party websites or services that are not owned or controlled by Nextvisit AI Inc. Nextvisit AI Inc has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Nextvisit AI Inc shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

20. Indemnification

You agree to defend, indemnify, and hold harmless Nextvisit AI Inc, its parent, subsidiaries, affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from or related to:

  1. Your use of and access to the Service;
  2. Your violation of any term of these Terms;
  3. Your violation of any third-party right, including without limitation any privacy right, publicity right, or intellectual property right;
  4. Your violation of any applicable law, rule, or regulation, including but not limited to HIPAA, HITECH, and state privacy laws;
  5. Any claim that your User Content caused damage to a third party;
  6. Any unauthorized access to or use of the Service through your account;
  7. Your failure to maintain required insurance coverage;
  8. Any breach of patient confidentiality or unauthorized disclosure of Protected Health Information caused by your acts or omissions; and
  9. Any misuse of AI-generated content, including reliance on such content without proper verification.

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

21. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. NEXTVISIT AI INC MAKES NO WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

NEXTVISIT AI INC, ITS SUBSIDIARIES, AFFILIATES, AND ITS LICENSORS DO NOT WARRANT THAT: (A) THE SERVICE WILL FUNCTION UNINTERRUPTED, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY ERRORS OR DEFECTS WILL BE CORRECTED; (C) THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SERVICE WILL MEET YOUR REQUIREMENTS.

NEXTVISIT AI INC DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY AI-GENERATED CONTENT. YOU ACKNOWLEDGE THAT AI-GENERATED CONTENT MAY CONTAIN ERRORS AND MUST BE VERIFIED BY A QUALIFIED PROFESSIONAL BEFORE USE.

22. Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Agreement to Arbitrate

You and Nextvisit AI Inc agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or to the use of the Service (collectively, "Disputes") will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.

Arbitration Rules and Forum

The arbitration will be administered by the American Arbitration Association ("AAA") in accordance with the AAA's Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the "AAA Rules") then in effect, except as modified by this section. The AAA Rules are available at www.adr.org. A party who intends to seek arbitration must first send a written notice of the Dispute to the other party by certified U.S. Mail or by Federal Express (signature required) or, only if such other party has not provided a current physical address, then by electronic mail ("Notice of Arbitration"). Nextvisit AI Inc's address for Notice is: Nextvisit AI Inc, C/O Ryan Yannelli, 108 W 39th St, Ste 1006 #1120, New York, NY 10018. The Notice of Arbitration must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought.

Arbitration Location and Procedure

Unless you and Nextvisit AI Inc otherwise agree, the arbitration will be conducted in New York County, New York. If your claim does not exceed $10,000, then the arbitration will be conducted solely on the basis of documents you and Nextvisit AI Inc submit to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. If your claim exceeds $10,000, your right to a hearing will be determined by the AAA Rules. Subject to the AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.

Arbitrator's Decision

The arbitrator will render an award within the time frame specified in the AAA Rules. Judgment on the arbitration award may be entered in any court having competent jurisdiction. The arbitrator will have the authority to grant motions dispositive of all or part of any claim or dispute. The arbitrator will have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the arbitral forum's rules, and these Terms. The arbitrator will issue a written statement of decision describing the essential findings and conclusions on which any award is based, including the calculation of any damages awarded.

Class Action Waiver

YOU AND NEXTVISIT AI INC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Nextvisit AI Inc agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

Opt-Out

You may opt out of this arbitration agreement. If you do so, neither you nor Nextvisit AI Inc can require the other to participate in an arbitration proceeding. To opt out, you must notify Nextvisit AI Inc in writing within thirty (30) days of the date that you first became subject to this arbitration provision. Your opt-out notice must be sent to: Nextvisit AI Inc, C/O Ryan Yannelli, 108 W 39th St, Ste 1006 #1120, New York, NY 10018, and must include: (a) your name and address; (b) your account email address; and (c) a clear statement that you want to opt out of this arbitration agreement.

Severability

If any portion of this arbitration agreement is found to be unenforceable or unlawful for any reason, (a) the unenforceable or unlawful provision will be severed from these Terms; (b) severance of the unenforceable or unlawful provision will have no impact whatsoever on the remainder of the arbitration agreement or the parties' ability to compel arbitration of any remaining claims on an individual basis pursuant to the arbitration agreement; and (c) to the extent that any claims must therefore proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction and not in arbitration.

23. Limitation of Liability

IN NO EVENT SHALL NEXTVISIT AI INC, NOR ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (C) ANY CONTENT OBTAINED FROM THE SERVICE; (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT; OR (E) ANY AI-GENERATED CONTENT OR YOUR RELIANCE THEREON.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, IN NO EVENT SHALL THE AGGREGATE LIABILITY OF NEXTVISIT AI INC FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO NEXTVISIT AI INC DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

THE LIMITATIONS OF THIS SECTION SHALL APPLY TO ANY THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, STATUTE, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, AND WHETHER OR NOT NEXTVISIT AI INC HAS BEEN INFORMED OF THE POSSIBILITY OF ANY SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

24. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms, failure to maintain required insurance coverage, or violation of applicable laws.

If you wish to terminate your account, you may simply discontinue using the Service or contact us at hello@nextvisit.ai.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, arbitration provisions, and limitations of liability.

25. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States and the State of New York, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

26. Changes To Service

We reserve the right to withdraw or amend our Service, and any service or material we provide via the Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Service, or the entire Service, to users, including registered users.

27. Amendments To Terms

We may amend these Terms at any time by posting the amended terms on this site. It is your responsibility to review these Terms periodically. Your continued use of the Platform following the posting of revised Terms means that you accept and agree to the changes.

We will provide notice of any material changes to these Terms by posting notice on our website or through other reasonable means of communication at least thirty (30) days prior to the changes becoming effective.

28. Waiver And Severability

No waiver by Nextvisit AI Inc of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Nextvisit AI Inc to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

29. Privacy and State Privacy Rights

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information. Residents of California, Virginia, Colorado, Connecticut, Utah, and other states with privacy laws may have additional rights as described in our Privacy Policy.

30. Acknowledgement

BY USING THE SERVICE OR OTHER SERVICES PROVIDED BY NEXTVISIT AI INC, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.

You also acknowledge that:

  • You have read and understand our Privacy Policy;
  • You are at least 18 years old;
  • You have the authority to accept these Terms;
  • You understand that these Terms are legally binding;
  • You agree to comply with all applicable laws and regulations;
  • You agree to maintain appropriate cyber liability insurance coverage;
  • You understand that these Terms contain a binding arbitration clause and class action waiver.

31. Contact Us

If you have any questions about these Terms, contact us:

By chat: https://docs.nextvisit.app (recommended)

By email: hello@nextvisit.ai

By phone: +1 (844) 685-2295 (10 AM to 4 PM EST, Monday through Friday)

Mail:
Nextvisit AI Inc
C/O Ryan Yannelli
108 W 39th St
Ste 1006 #1120
New York, NY 10018

These Terms of Service were last updated on September 21, 2026. Material changes are subject to the notice requirement in Section 27.

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