1. Contracting parties

1.1 ApplyAZ. The Services are supplied by ApplyAZ Inc., Corporation Number 1659714-9, with its registered office at 290 Adelaide Street West, Toronto, Ontario M5V 0P3, Canada. References to “ApplyAZ,” “we,” “us,” and “our” mean ApplyAZ Inc.

1.2 Applicant. The “Applicant” is the person whose university, scholarship, visa, enrollment, housing, or related application is being facilitated.

1.3 Purchaser or Sponsor. A “Purchaser” or “Sponsor” is a person who pays for Services for an Applicant, including a parent or family member. A Purchaser agrees to the payment provisions applicable to the transaction. The Applicant agrees to all provisions governing the application and use of the Services. Where the Applicant and Purchaser are different people, each person must use the Platform access made available for their role.

1.4 Adult capacity. The Applicant and Purchaser each represent that they are at least eighteen years old and legally capable of entering into this Agreement. A minor may use the Services only through a parent or lawful guardian who signs the checkout record and assumes the obligations assigned to the Purchaser.

1.5 Contract rules. ApplyAZ establishes the rules for access to and use of the Platform and Services through this Agreement. By accepting an Order, the Applicant and Purchaser agree to comply with the complete Agreement, including every fee trigger, guarantee condition, refund rule, deadline, and dispute procedure applicable to that Order.

2. Documents forming the Agreement and order of priority

2.1 The Agreement consists of the accepted checkout record, the checkout summary, any guarantee terms accepted at checkout and applicable Guarantee Schedule, the fee allocation accepted at checkout for a Full Bundle, each recorded program approval, each accepted Authorized Variation Notice, these Terms and Conditions, the refund and payment terms accepted at checkout, the Privacy Policy, and any other service-specific document expressly incorporated into the checkout record.

2.2 If two provisions conflict, the following order applies only to the conflict: a later accepted Authorized Variation Notice; the accepted guarantee terms for the specific Guarantee; the accepted checkout record for Order-specific facts and commercial terms; the recorded program approval for the identified application; these Terms and Conditions; the applicable Schedule; the checkout summary; and the Privacy Policy solely for personal-data processing. A Schedule or explanatory record does not override these Terms and Conditions unless an accepted Authorized Variation Notice expressly identifies the affected Section. Notwithstanding the foregoing priority order, Section 34 prevails over every checkout record, guarantee term, program approval, Schedule, checkout summary, Privacy Policy, and other incorporated document. Section 34 may be varied only by a later accepted Authorized Variation Notice that expressly identifies the affected provision of Section 34 and states the exact replacement wording.

2.3 Marketing material, a social-media post, a webinar, a sales presentation, or a consultant’s informal statement is not part of the Agreement unless the relevant promise is reproduced in the checkout record, accepted guarantee terms, or an Authorized Variation Notice.

2.4 The Applicant and Purchaser must rely on the final written Agreement presented at checkout. Only an Authorized Variation Notice can change that Agreement after acceptance.

2.5 Schedule 7 forms part of every Order. It records common transaction facts and common dispute outcomes in plain language. It does not expand a Guarantee or exclude a right that mandatory law does not permit the parties to exclude.

2.6 Schedule 8 forms part of an Order only where the checkout record includes an Application Advancement Budget.

2.7 Schedule 9 forms part of an Order only where the checkout record expressly selects an Integrated Bundle Commitment.

3. Electronic acceptance and contract record

3.1 Before payment, the Platform makes the checkout record, the complete Agreement, the checkout summary, the payment obligation then known, the purchased Services, the applicable Guarantee terms, and the Refund calculation accessible for review. The payer may correct material order information before authorizing payment.

3.2 Acceptance occurs through an affirmative electronic action linked to the identified documents and recorded in the Platform Record. A separately priced Guarantee, payment authorization, recorded program approval, or Authorized Variation Notice is accepted through the electronic action designated for that transaction.

3.3 After acceptance, ApplyAZ makes a copy of the accepted Agreement accessible through the registered account. ApplyAZ delivers a copy by any additional method and within any period required by mandatory law. The Platform Record may preserve the document version, date and time, account identifier, transaction identifier, acceptance event, payment authorization, and each accepted variation. ApplyAZ is not required to make a further manual or duplicate delivery unless mandatory law requires it.

3.4 The version accepted with an Order governs that Order. A later version does not retrospectively alter the price, milestone, Guarantee, Refund, payment adjustment, or material scope of an existing Order unless the Applicant and Purchaser, where applicable, affirmatively accept an Authorized Variation Notice.

3.5 The Applicant and Purchaser consent to electronic documents, electronic signatures, electronic records, and electronic communications for the Agreement. Each repeated acceptance requested during checkout, a later payment, guarantee terms accepted at checkout, a recorded program approval, or an Authorized Variation Notice is a separate confirmation of the accepted terms for that transaction.

3.6 Where the Applicant and Purchaser are different people, the role-attributed acceptance record attributes application acknowledgments to the Applicant and payment acknowledgments to the Purchaser. Purchaser acceptance is not required for an Applicant duty that imposes no payment obligation on the Purchaser. Applicant acceptance is not required for a Purchaser payment authorization that does not govern the Applicant's conduct. Use of a shared device, address, or contact method does not change the role recorded for an acceptance.

3.7 Before each payment, the Platform presents transaction information identifying the Service or stage being purchased, the price then payable, the treatment of future unpaid milestone prices, any applicable Guarantee, the Refund basis, Third-Party Fee responsibility, relevant milestone triggers, and the status of any outside statement disclosed under Section 13.6. Acceptance of the displayed transaction information forms part of the Order.

3.8 The Applicant and Purchaser must correct an inaccurate transaction fact before payment. On acceptance, each confirms that the recorded facts are accurate to that person's knowledge and that no inconsistent outside promise is being relied on unless it is incorporated into the checkout record or an Authorized Variation Notice. A later unsupported recollection does not by itself displace the accepted record.

3.9 Failure to open an accessible copy after affirmative acceptance does not cancel an Order or change an accepted term. This Section does not restrict a cancellation or disclosure right that mandatory law does not permit the parties to exclude.

4. Nature and limits of the Services

4.1 ApplyAZ is a technology-enabled application facilitation and administrative coordination provider. Depending on the purchased package, the Services may include:

• collecting and organizing information supplied by the Applicant;
• performing an initial program-matching assessment;
• preparing or formatting a CV, statement of purpose, checklist, or application draft;
• facilitating preparation and transmission of approved applications;
• tracking institutional communications;
• providing general administrative information about published admission, scholarship, enrollment, and visa-document processes;
• displaying deadlines, reminders, and checklists through the Platform;
• coordinating administrative appointments; and
• providing the other deliverables expressly stated in the checkout record.

4.2 ApplyAZ performs the purchased Services to the standard required by mandatory law. No higher standard, fiduciary duty, outcome duty, or additional Service arises from a courtesy, prior practice, informal statement, or estimated timeline. ApplyAZ controls the workflow, staffing, sequencing, tools, and method of performance. A timeline is an estimate unless the checkout record expressly identifies it as a guaranteed ApplyAZ deadline. A verified ApplyAZ-Caused Error is subject to Sections 17 and 31, except to the extent mandatory law requires otherwise.

4.3 ApplyAZ does not control and does not guarantee:

• an institution’s admission, interview, assessment, enrollment, deferral, or credit-recognition decision;
• a scholarship, grant, fee-waiver, or financial-aid decision;
• a visa, permit, immigration, or consular decision;
• a third party’s response time, portal availability, policy, deadline, capacity, or conduct;
• tuition, fees, exchange rates, accommodation, travel, insurance, or living costs;
• the recognition, quality, suitability, ranking, accreditation, or employment value of a program; or
• any outcome not expressly guaranteed in the accepted guarantee terms.

4.4 ApplyAZ does not provide legal, immigration, tax, investment, credit, financial, medical, or regulated professional advice. General information, document checklists, and administrative assistance are not a substitute for advice from a qualified professional. Where a matter requires regulated advice, the Applicant is responsible for obtaining it from an appropriately authorized professional.

4.6 No fiduciary, trustee, continuing-monitoring, reminder, deadline-management, suitability, verification, advisory, or outcome-optimization duty arises unless the exact duty is expressly included as a paid Service in the accepted checkout record. Courtesy assistance, prior conduct, consultant availability, or voluntary support does not expand the purchased scope or create a continuing obligation.

5. Definitions

5.1 Admission Success Event means an Approved Program issues an official written conditional or unconditional offer of admission attributable to the Applicant and ApplyAZ records that event in the Platform Record through a milestone record. Standard conditions such as completion of a current degree, provision of final documents, payment of tuition, or verification of originals do not prevent a document from being a conditional offer if the institution itself communicates an offer of admission.

5.2 Approved Preferences means the Applicant’s recorded requirements in the checkout record, including degree level, academic field, teaching language, public or private institution preference, country, intake, known budget, and express exclusions.

5.3 Approved Program means a specific institution and program affirmatively approved by the Applicant through a recorded program approval before submission. Mere discussion, recommendation, display, shortlisting, or silence is not approval.

5.4 ApplyAZ-Caused Error means a material error directly caused by ApplyAZ’s failure to exercise the standard in Section 4.2, excluding an error arising from inaccurate, incomplete, late, or changed information supplied by the Applicant or a third party.

5.5 ApplyAZ Fee means a fee payable to ApplyAZ for a Service or milestone described in the checkout record. It does not include a Third-Party Fee.

5.6 Authorized Variation Notice means a written document titled Authorized Variation Notice that identifies the affected Order, states the exact change, is issued through the Platform or from an authorized ApplyAZ contract address, and is affirmatively accepted by the Applicant and Purchaser where the change affects payment.

5.7 Documented Instruction means a clear instruction, deadline, requirement, or warning posted to the Applicant's Platform account. A Platform checklist item, document request, missing-item field, required-action field, or displayed deadline is a Documented Instruction. Where an instruction, requirement, deadline, or warning is first communicated by call, meeting, WhatsApp, SMS, or email and is subsequently recorded in the Platform, it is a Documented Instruction from the date of recording. The Applicant's receipt of, response to, or action on the earlier off-Platform communication is independent evidence of notice under Section 33.12. Section 21.4 determines whether a Documented Instruction relating to visa support is timely.

5.8 Eligible Recommended Program means a program that, based on information reasonably available on the recommendation date, materially matches the Approved Preferences and published threshold requirements. A recommendation is not a guarantee of eligibility or outcome.

5.9 Institutional Progress Event means an official written notice from an Approved Program confirming that the application passed a defined preliminary review or that the Applicant may proceed to a named selection stage. It may include confirmation of eligibility for a selection process, curricular-requirement verification, or invitation to register for an assessment. It is not an Admission Success Event.

5.10 A milestone record is the ordinary customer-facing Platform record containing the Approved Program, milestone name, date achieved, applicable checkout entry, amount, currency, due date, dispute method, and the Platform Record or other evidence selected under Section 14.4.

5.11 Platform means ApplyAZ’s websites, dashboards, applications, communication systems, and related technology.

5.12 A recorded program approval is the program-specific disclosure and affirmative approval described in Section 8.

5.13 Selection Invitation Event means an Approved Program issues an official written invitation requiring the Applicant to attend or schedule a named interview, examination, personal-preparation assessment, portfolio review, or other substantive selection assessment and ApplyAZ records that event in the Platform Record through a milestone record. A general eligibility notice stating that later steps will be communicated is not a Selection Invitation Event.

5.14 Refund means money returned by ApplyAZ to the Purchaser's original payment method after ApplyAZ approves a request under the accepted Agreement. If the original payment method cannot receive the return, ApplyAZ uses another verified payment method. A Refund never includes a Third-Party Fee already paid or irrevocably committed.

5.15 Covered Guarantee Amount means the exact ApplyAZ Fee, portion of an ApplyAZ Fee, or fixed amount identified in the accepted guarantee terms as the maximum amount eligible for a Refund. It never includes a Third-Party Fee, tax, bank charge, payment-provider charge, foreign-exchange difference, government fee, institutional fee, scholarship amount, tuition amount, or consequential loss.

5.16 Earned Service Value means the amount allocated before payment in the accepted checkout record and fee allocation accepted at checkout to a Service stage that ApplyAZ completed and evidenced before a Refund was approved. ApplyAZ does not assign value after payment to a stage or partial stage that had no stated allocation before payment.

5.17 Full Bundle Fee means the ApplyAZ Fee paid in advance for the integrated admission, scholarship, visa, or related service bundle identified in the checkout record. It excludes every Third-Party Fee.

5.18 Initial ApplyAZ Enrollment Fee means the first ApplyAZ Fee or deposit paid to activate the Milestone Plan and enroll in ApplyAZ’s Services. It is not a university enrollment deposit, tuition payment, or Third-Party Fee.

5.19 Service Cycle means the intake, application year, or service period identified in the checkout record.

5.20 Student-Caused Event means an act, omission, inaccuracy, noncompliance, delay, or decision of the Applicant or Purchaser that directly causes or materially contributes to the relevant failure, refusal, missed deadline, loss, or inability to complete the Service.

5.21 Third-Party Fee means an identified application, examination, tuition, visa, embassy, translation, legalization, courier, insurance, housing, payment-provider, or other charge imposed by an independent third party.

5.22 ApplyAZ Materials means the proprietary materials, work product, systems, and intellectual property described in Section 12.2.

5.23 Platform Record means the authoritative customer-facing record described in Section 12.4.

5.24 Submission Report means a customer-facing Platform record identifying the Approved Program, submission date, current status, Third-Party Fee processed or committed, and available reference identifier.

5.25 Available Balance means any unapplied amount, surplus, reimbursement, reversal, recovery, or other amount held, controlled, received, recorded, or otherwise payable by ApplyAZ for the Applicant or Purchaser before the application of Section 16.4, regardless of its original payment purpose, Order, Service Cycle, or currency.

5.26 Non-Decision Event means the absence of a decision by the visa authority, the non-issuance or late issuance of a visa, or the issuance of a visa in a category, duration or entry type other than that applied for.

5.27 Service Cycle Transfer Right means the limited right, where Section 21.14, 23.7 or 30.5 expressly makes it available, to request that the remaining unperformed scope of an Order be moved to a later Service Cycle selected by ApplyAZ, subject to operational capacity, program availability and the conditions stated in the applicable decision. It does not include repeated work, changed requirements, a different package, a new application, a Third-Party Fee or work already completed. ApplyAZ may price each excluded or additional item before work begins.

5.28 Visa Support Completion Evidence means the two-limb completion evidence stated under Schedule 6, Stage 14.

5.29 Pre-Contract Representation Reconciliation means the pre-payment record described in Section 13.6.

5.30 Representation Correction Request means a written Platform request under Section 13.7 to reconcile a statement with the Agreement.

5.31 Third-Party Fee Verification Request means a written Platform request under Section 12.9 identifying a specific bona fide discrepancy concerning payment of a Third-Party Fee or lodgement of an application.

5.32 Compassionate Deferral means the deferral described in Section 23.7.

5.33 A role-attributed acceptance record is the ordinary Platform acceptance information described in Section 3.6.

5.34 Checkout record means the order-specific information displayed and stored by the Platform, including the parties, pricing plan, scope, Service Cycle, ApplyAZ Fees, Third-Party Fees, payment obligations, Guarantee selection, Standing Submission Authority where selected, Application Advancement Budget where selected, and the information listed in Schedule 1, and accepted before payment.

5.35 Order means the transaction for Services created when the Applicant or Purchaser accepts a checkout record.

5.36 Services means the administrative tasks and deliverables purchased under the accepted checkout record and described in Section 4.

5.37 Milestone Plan means a pricing plan under which ApplyAZ Fees for separate Service stages become payable as stated in the checkout record and Section 14.

5.38 Accepted guarantee terms means the order-specific guarantee information based on Schedule 3 and displayed and accepted at checkout or through a later Platform transaction, including the selected Guarantee, Covered Guarantee Amount, dates, conditions, exclusions, calculation and acknowledgments.

5.39 Accepted fee allocation means the Order-specific allocation required by Section 6.6 and based on Schedule 6 that assigns part of a Full Bundle Fee to each included Service stage and states the applicable completion evidence.

5.40 Guarantee Decision Date means the date stated in the accepted guarantee terms for assessing the outcome and conditions relevant to the selected Guarantee.

5.41 Checkout summary means the pre-payment summary listed in Section 2.1 and completed with the applicable information in Schedule 1.

5.42 Guarantee Schedule means the order-specific schedule identified in the accepted guarantee terms that states additional conditions, exclusions or procedures for the selected Guarantee.

5.43 Accepted refund and payment terms means the applicable Refund calculation and payment-adjustment rules displayed before payment and accepted as part of the Order.

5.44 Privacy Policy means the privacy notice made available before acceptance and incorporated into the Agreement under Section 2.1.

5.45 Full Bundle means the integrated package of Services purchased through payment of a Full Bundle Fee.

5.46 Visa Financial Instruction Record means the order-specific record issued as a Documented Instruction under Schedule 4.

5.47 Guarantee means a conditional contractual benefit expressly selected in the accepted guarantee terms and governed by Section 19 and the applicable provisions in Sections 20 to 22.

5.48 Admission Guarantee means a Guarantee identified as an admission guarantee and governed by Section 20.

5.49 Deposit Guarantee means a Guarantee identified as a deposit guarantee, governed by Section 20 and calculated under Section 17.3.

5.50 Visa Guarantee means a Guarantee identified as a visa guarantee and governed by Section 21.

5.51 Scholarship Guarantee means a Guarantee identified as a scholarship guarantee and governed by Section 22.

5.52 Visa Refusal Review Procedure means the procedure stated in Section 21.12.

5.53 Internal Resolution Service means the free internal review process stated in Section 27.6.

5.54 Transaction information accepted at checkout means the order-specific information described in Sections 3.7 and 3.8 and Schedule 7.

5.55 Refund Decision means a Platform Record that expressly states that ApplyAZ approved or denied a Refund, identifies the amount approved, if any, and states the payment method or account adjustment.

5.56 Corroborated Performance Record means a customer-facing Platform Record created from contemporaneous source evidence that existed independently of the dispute and identifies the relevant Order, Service event, source category, and event date.

5.57 Standing Submission Authority means an optional authority affirmatively accepted in the checkout record that permits ApplyAZ to submit a stated number of programs matching the Approved Preferences within the stated Service Cycle, tuition limit, and Third-Party Fee limit without a separate recorded program approval for each program.

5.58 Ratification Event means an affirmative act taken after the Applicant receives the institution, program, intake, Third-Party Fee, and submission status, consisting of Platform confirmation, an instruction to continue, payment of a fee specific to that application, attendance at a related interview or assessment, submission of a document requested exclusively for that application, or acceptance of a File Continuation Confirmation.

5.59 Staff Statement Confirmation Notice means a Platform Record stating whether an identified staff statement is incorporated into the Agreement, rejected as unauthorized, corrected, or awaiting clarification.

5.60 Service Cure Notice means a Platform request identifying the purchased Service, alleged deficiency, supporting evidence, requested correction, and relevant third-party deadline.

5.61 The Platform record of an identified marketing statement identifies the advertisement, price, Guarantee, Refund statement, or promotional benefit on which the Applicant or Purchaser intends to rely and states how it applies to the Order.

5.62 File Continuation Confirmation means an affirmative Platform confirmation identifying previously completed stages, submitted applications, committed Third-Party Fees, current prices, and remaining Services before the Applicant authorizes a later payment or Service.

5.63 Application Advancement Budget means an optional amount identified separately from ApplyAZ Fees in the checkout record and paid to ApplyAZ for Advancement Expenditures under Section 16 and Schedule 8.

5.64 Advancement Expenditure means an expenditure selected by ApplyAZ within the categories and limits stated in the accepted Application Advancement Budget to support the completeness, presentation, verification, readiness, processing, or progression of the Applicant's file.

5.65 ApplyAZ Receipt means an invoice, receipt, payment confirmation, account statement, ledger entry, or Submission Report issued through the Platform for an amount received, allocated, committed, or processed by ApplyAZ.

5.66 Integrated Bundle Commitment means an Order that purchases the admission, scholarship and visa Services identified in the checkout record as one integrated product for one Bundle Price payable through Milestone Installments.

5.67 Bundle Price means the total ApplyAZ Fee stated in the accepted checkout record for an Integrated Bundle Commitment. It excludes every Third-Party Fee and any tax stated separately.

5.68 Milestone Installment means an order-specific portion of the Bundle Price allocated to an admission, scholarship or visa payment trigger. It divides payment timing only. It is not a separate optional purchase.

5.69 Admission Installment Trigger means the earliest Selection Invitation Event, Admission Success Event, or official written Institution communication confirming a formal interview invitation, conditional admission, unconditional admission or offer letter for an Approved Program.

5.70 Scholarship Installment Trigger means the date after an Admission Installment Trigger on which ApplyAZ makes the order-specific scholarship intake, checklist, preparation record or Documented Instruction accessible through the Platform.

5.71 Visa Installment Trigger means the date after an Admission Installment Trigger on which ApplyAZ makes the order-specific visa intake, checklist, Visa Financial Instruction Record or other visa Documented Instruction accessible through the Platform.

5.72 Late Payment Charge means the daily charge imposed under Section 15.7 on an overdue undisputed Milestone Installment.

5.73 Service-Ready Notice means a Platform notice identifying a remaining scholarship or visa Service that ApplyAZ is ready to commence, the cooperation required from the Applicant, the applicable Milestone Installment and the resulting payment trigger.

5.74 Early Withdrawal Charge means the alternative charge stated in Section 23.12 where mandatory law permits termination of the remaining Bundle Price.

5.75 Narrative Deliverable means a CV, statement of purpose, motivation letter, study plan, cover letter, personal statement, or other document prepared or substantively revised by ApplyAZ that presents the Applicant's intentions, motivation, plans, or circumstances in narrative form.

5.76 Applicant Profile Facts means the academic, employment, family, property, financial, immigration, residence, and personal circumstances supplied by the Applicant and recorded in the Platform Record.

5.77 Covered Refusal Ground means a ground of refusal, non-acceptance, or return that is stated in the refusal record, is not an excluded ground under Section 21.9, and is established to have been directly caused by a verified ApplyAZ-Caused Error in a Service stage included in the accepted checkout record, where the Applicant supplied the correct source information through the Platform before the applicable deadline.

5.78 Visa Transfer Benefit means the benefit stated in Sections 21.19.1 to 21.19.3.

6. Checkout record and package scope

6.2 A package price may reserve ApplyAZ capacity and cover an integrated set of Services. For a Full Bundle with an admission guarantee, the fee allocation accepted at checkout assigns a value to each Service stage solely for calculating Earned Service Value. An allocated value is not a standalone retail price unless the checkout record expressly states otherwise.

6.4 ApplyAZ may use any suitable internal workflow, template, employee, contractor, affiliate, provider, automation, or technology to perform a Service. The Applicant does not acquire a right to select or approve ApplyAZ’s personnel, tools, sequence, method, internal quality controls, or production process.

6.5 Work or a new Service Cycle not stated in the checkout record requires a new Order or Authorized Variation Notice. A fee from one Service Cycle does not automatically purchase or guarantee work in another cycle.

6.6 The values in a Full Bundle fee allocation accepted at checkout add up to the total Full Bundle ApplyAZ Fee. A stage not included in the Full Bundle is marked Not Included or assigned a value of zero. An application-specific stage states whether the allocation applies per application or to the group of applications. No allocated value changes after the Full Bundle Fee is paid.

6.7 Notwithstanding Section 6.2, and without limiting it, an Integrated Bundle Commitment is one purchased package. The admission, scholarship and visa labels identify workflow stages and Milestone Installments. They do not divide the package into separate contracts.

7. Applicant profile and eligibility assessment

7.1 Before recommending programs, ApplyAZ may request information concerning:

• academic qualifications and grades;
• current enrollment, examination dates, graduation date, and availability of final or provisional documents;
• language proficiency;
• test, portfolio, licensing, or prerequisite status;
• financial budget and funding plans;
• public or private institution preference;
• target subject, credential level, teaching language, intake, and country;
• scholarship and family financial information; and
• prior refusals, gaps, immigration history, or other material circumstances.

7.2 The Applicant must provide accurate, complete, current, and authentic information. An eligibility assessment is only as reliable as the information and third-party rules available at the assessment time.

7.3 An initial assessment, shortlist, profile score, dashboard recommendation, or consultant opinion is not an admission, scholarship award, visa decision, or assurance that every institution will accept the Applicant.

7.4 ApplyAZ may withdraw, revise, or replace a recommendation if new information, a changed rule, a missed deadline, unavailable capacity, or an inconsistency makes the recommendation no longer reasonable. The current Platform status and shortlist govern. The Applicant must review the Platform before approving or funding an application.

8. Program approval and submission authority

8.1 Before ApplyAZ submits an application, the Platform displays for approval the institution, program, degree level, teaching language, institution type, intake, known Third-Party Fee, known material deadline, and any material difference from the Approved Preferences.

8.2 The Applicant must review the displayed program information and correct an error before approval. Affirmative approval authorizes ApplyAZ to prepare, transmit, and administer the identified application and to commit the disclosed Third-Party Fee. Silence, discussion, shortlisting, or document upload is not approval.

8.3 Approval applies only to the identified application. A materially different institution, program, degree level, teaching language, institution type, or intake requires a new recorded program approval or an Authorized Variation Notice.

8.4 The Platform approval log and displayed program details constitute prima facie evidence of authorization. An Applicant challenging authorization must identify the specific approval, the alleged error, and the contemporaneous evidence supporting the challenge.

8.5 After approval, ApplyAZ is not required to obtain repeated consent for ordinary administrative steps within the authorized application. A new consent is required only for a material change described in Section 8.3 or where mandatory law requires it.

8.6 Once an approved application has been submitted and a Third-Party Fee committed, it may not be possible to withdraw the application or recover the Third-Party Fee.

8.7 Notwithstanding Sections 5.3 and 8.2, and without limiting them, the Applicant may grant a Standing Submission Authority through the checkout record. A program submitted within the recorded scope of that authority is an Approved Program.

8.8 The Standing Submission Authority identifies the permitted application count, Approved Preferences, Service Cycle, maximum disclosed tuition, and maximum Third-Party Fee per application. ApplyAZ may rely on it until the Applicant revokes it through the Platform. Revocation applies only to submissions and Third-Party Fee commitments not already made.

8.9 Where a separate recorded program approval was not recorded before submission, a Ratification Event confirms the Applicant's authority for ApplyAZ to continue administering the identified application. Silence alone is not a Ratification Event.

8.10 No Refund arises solely from the absence of a particular approval format where authorization is established through a Standing Submission Authority, Ratification Event, registered-account instruction, or other contemporaneous affirmative conduct and the Applicant suffered no material prejudice from the difference in format.

8.11 A Ratification Event does not authorize a materially different degree level, teaching language, institution type, intake, or program that was not disclosed before the Ratification Event.

9. Required-Application condition for the Admission and Deposit Guarantee

9.1 This Section applies where the checkout record or accepted guarantee terms requires the Applicant to approve and fund seven applications, or another stated number of applications, to qualify for an admission guarantee Refund.

9.2 To activate and maintain the guarantee, the Applicant must, by each stated deadline:

• provide complete and accurate eligibility information;
• approve every Eligible Recommended Program designated as required on the Platform, up to the number stated in the accepted guarantee terms;
• pay or directly pay every disclosed Third-Party Fee required for all designated applications;
• authorize submission of every designated Approved Program;
• supply all required documents and approvals; and
• complete every required institutional step.

9.4 A program counts toward the required number only if it materially matches the Approved Preferences recorded before recommendation. The Applicant may reject a program without losing the guarantee if the Applicant identifies, within the Platform review period, a documented material mismatch in institution type, degree level, subject area, teaching language, intake, or disclosed maximum tuition.

9.5 A preference introduced after the shortlist does not retrospectively disqualify a program unless ApplyAZ accepts it through an Authorized Variation Notice.

9.6 If an Approved Program closes before ApplyAZ can submit despite timely Applicant cooperation, ApplyAZ may designate a reasonably comparable replacement. The Applicant must review, approve, and fund the replacement by the stated deadline. A refusal without a documented material mismatch counts as a decision to proceed with fewer than the required number of programs.

9.7 Failure to activate or maintain the required-application condition permanently ends eligibility for a Refund under that guarantee for the Service Cycle. Section 9 does not govern duplicate or unauthorized charges, which are reviewed separately under Sections 17 and 18.

10. Applicant and Purchaser responsibilities

10.1 The Applicant is responsible for:

• supplying authentic, complete, consistent, accurate, and current information and documents;
• reviewing drafts, profile fields, recorded program approvals, and submissions within the stated time;
• promptly correcting an error or changed fact;
• meeting institutional, examination, interview, enrollment, scholarship, and visa deadlines;
• attending and honestly completing all interviews, tests, and assessments;
• achieving required academic, language, portfolio, financial, and other thresholds;
• maintaining valid identification, passport, immigration, and travel documents;
• independently deciding whether a program, country, expense, and outcome are suitable;
• preserving copies of important records supplied or received; and
• complying with lawful Documented Instructions.

10.2 The Purchaser is responsible for payment authorization, sufficient funds, accurate billing information, and promptly notifying ApplyAZ of an unauthorized transaction.

10.3 The Applicant must not provide or request use of a false, altered, incomplete, misleading, purchased, or improperly obtained document. ApplyAZ may suspend the file and report suspected fraud, forgery, identity theft, or other unlawful conduct to the relevant institution, payment provider, or authority.

10.4 If the Applicant believes a Documented Instruction is inaccurate, unlawful, impossible, or inconsistent with a third-party source, the Applicant must submit a Platform clarification request with supporting evidence before the deadline and must not rely on an off-Platform response. The existing Platform Record remains operative until it is replaced by an updated Platform Record. Any verified ApplyAZ-Caused Error is handled exclusively under Sections 17 and 31.

10.5 ApplyAZ will deny a guarantee benefit when the Applicant or Purchaser fails a material guarantee condition, misses a required deadline, provides inaccurate or incomplete information, fails to follow a Documented Instruction, or causes or materially contributes to the outcome on which the request is based.

10.6 The Applicant must not assume that ApplyAZ accepted, scheduled or completed a request until the current Platform status expressly confirms it. The Applicant must monitor official sources, preserve third-party rights and take any direct protective action needed before a third-party deadline. ApplyAZ has no duty to expedite a late, incomplete or urgent request unless the checkout record expressly includes expedited processing as a paid Service.

11. Information sources and changing third-party rules

11.1 Program, fee, scholarship, deadline, and eligibility information is a time-limited administrative snapshot based on sources available when the Platform Record is created. It is not a continuing monitoring service, professional opinion, warranty of accuracy, or promise that a third party will preserve the stated information.

11.2 Institutions and authorities may change requirements, availability, prices, deadlines, and procedures without notice. ApplyAZ is not responsible for a change it did not cause and could not reasonably have prevented. ApplyAZ may update the relevant Platform status, checklist, or recorded program approval when a material change becomes known. The Applicant remains responsible for monitoring the Platform and official third-party sources.

11.4 The Applicant should verify high-impact financial and legal information with the institution, authority, or qualified professional before making an irreversible decision.

12. Platform records, prepared materials, institutional accounts, and credentials

12.2 ApplyAZ Materials and work product. ApplyAZ owns its Platform, software, internal scoring methods, program-matching logic, unpublished templates, drafting systems, prompts, workflows, formatting systems, research methods, training materials, internal notes, revision history, source layouts, native files, and other proprietary materials. As between ApplyAZ and the Applicant, ApplyAZ also owns the original drafting, selection, arrangement, formatting, presentation, and other protectable elements it creates in a CV, statement of purpose, motivation letter, application narrative, profile, or related prepared material. Payment for a Service does not transfer ApplyAZ’s intellectual property or create a right to receive editable files, native files, templates, internal drafts, prompts, research, internal notes, revision history, or production materials.

12.3 Paid final deliverables. After the ApplyAZ Fee for a customer-facing deliverable is fully paid, ApplyAZ may deliver the final version in the file format selected by ApplyAZ. The Applicant receives a non-exclusive and non-transferable licence to use that final version for the Applicant's own applications. Payment does not create a right to native files, editable production files, prompts, templates, internal drafts, source layouts, revision history, or internal communications. Rights to the Applicant's personal information remain governed by Section 12.8 and the Privacy Policy.

12.4 Platform Record as the authoritative service record. The dashboard, application timeline, payment history, approval log, submission status, milestone notice, and other customer-facing records generated or displayed by the Platform form the authoritative record of ApplyAZ's administration of the Order. The record is rebuttable by specific credible evidence of a material error. Delivery of a document, status, decision, instruction, receipt, or report is governed by Section 35. ApplyAZ is not required to duplicate a Platform delivery through another channel unless mandatory law or the checkout record requires it.

12.5 Submission reports and third-party records. An ApplyAZ invoice or payment confirmation is the transaction receipt for money paid to ApplyAZ. Where ApplyAZ facilitates a Third-Party Fee or submission, the Platform payment record, application status, or Submission Report is ApplyAZ’s customer-facing evidence that the amount or submission was processed. Underlying payment-processor records, merchant records, institutional back-office receipts, portal logs, screenshots, reconciliation records, and other source evidence remain ApplyAZ’s business records and are not standard customer deliverables. ApplyAZ may investigate a bona fide discrepancy using those records and may provide an itemized statement, redacted extract, Platform record, or source record selected as appropriate to resolve that discrepancy.

12.6 Institutional accounts. Where the checkout record does not identify direct institutional-account control or credential handover as a deliverable, ApplyAZ may create, access, and administer an institutional account as the Applicant’s limited administrative agent for the authorized Services, and may conduct institutional communications through the Platform during the Service Cycle. ApplyAZ determines whether, when and by what secure method credentials are handed over, subject to full payment, completion of any security verification and mandatory law. The Applicant must change any temporary password after handover and remains responsible for account security from that point.

12.7 Effect of nonpayment on account administration. Where an ApplyAZ Fee is overdue, ApplyAZ may cease administering the institutional account and withdraw all further account-related Services under Section 15.3. Cessation of ApplyAZ’s administration does not extend a third-party deadline, and ApplyAZ is not responsible for any consequence of the Applicant’s own management of the account after that point. ApplyAZ’s rights in respect of ApplyAZ Materials under Sections 12.2 and 12.3 are unaffected and continue until the applicable ApplyAZ Fee is paid.

12.8 Personal-information access. A verified request for access to the Applicant’s personal information is handled under the Privacy Policy. Access to personal information does not transfer ownership of ApplyAZ Materials, require production of an entire business record, or create a right to receive a native file, editable document, template, internal communication, privileged record, confidential commercial information, or information concerning another person. ApplyAZ may provide the responsive personal information through Platform access, a compiled report, an extract, or a redacted copy.

12.9 The Applicant may submit a Third-Party Fee Verification Request through the Platform. The request must identify the recipient, application, amount, date, and specific discrepancy. ApplyAZ may resolve it by providing a Submission Report, redacted extract, reference identifier, lodgement acknowledgment, payment record, or other customer-facing evidence sufficient to address the discrepancy. ApplyAZ processes a complete request according to legal priority, urgency, complexity, operational capacity, and third-party dependencies. No response time is guaranteed except where mandatory law applies. This Section creates no right to ApplyAZ Materials, source records, native files, internal communications, or third-party records, and is without prejudice to Sections 12.5 and 12.8.

12.10 An ApplyAZ Receipt is the authoritative customer-facing accounting record for an amount paid to ApplyAZ and the classification, allocation, commitment, or processing recorded by the Platform. The Applicant and Purchaser must use the ApplyAZ Receipt and Platform ledger for account reconciliation.

12.11 The Applicant and Purchaser do not acquire a contractual right to an original or unredacted third-party receipt, invoice, bank record, card statement, merchant record, account credential, portal screenshot, vendor contract, vendor communication, or intermediary record where an ApplyAZ Receipt, Submission Report, reference identifier, provider status, or other Platform Record sufficiently identifies the transaction or application.

12.12 The absence of a third-party receipt issued in the Applicant's name does not establish that an Advancement Expenditure, Third-Party Fee, or submission was not made. ApplyAZ may pay through an employee, contractor, affiliate, payment provider, aggregator, intermediary, institutional account, bulk account, credit balance, or another suitable channel.

12.13 A Third-Party Fee Verification Request remains governed by Section 12.9. ApplyAZ selects the customer-facing evidence reasonably sufficient to address the identified discrepancy. ApplyAZ is not required to disclose unrelated transactions, negotiated rates, discounts, confidential vendor terms, account credentials, source records, or records concerning another customer.

13. Communications, consultant authority, and recordings

13.1 The Platform is the primary channel for contractual documents, instructions, deadlines, status changes, payment records, decisions, and service communications. The Applicant must check the dashboard regularly and remains responsible for every item posted there. ApplyAZ may use email, SMS, WhatsApp, or another channel as a convenience, but no duplicate message or reminder is promised.

13.2 A consultant, advisor, contractor, or support representative may explain the Platform, request documents, and coordinate administrative work. That person has no authority to amend a price, waive a payment, create or expand a Guarantee, approve a Refund, alter a milestone trigger, admit liability, or change the Agreement unless the change is recorded in an Authorized Variation Notice or Refund Decision issued through the Platform.

13.3 A call, WhatsApp message, email, meeting note, sales statement, or informal status update does not amend the Agreement. The Applicant must not rely on it to contradict the checkout record, accepted guarantee terms, recorded program approval, milestone record, transaction information accepted at checkout, or Authorized Variation Notice.

13.4 An acknowledgment of a message, a request for documents, an investigation, a partial response, a delayed response, staff silence, or the words refund requested, refund initiated, under review, escalated, or similar wording do not admit an error and do not approve a Refund. Only a Refund Decision has that effect.

13.5 If the Applicant receives a statement that appears inconsistent with the accepted Agreement, the Applicant must submit a Representation Correction Request before relying on the statement or making an irreversible decision. The current written Agreement and Platform Record remain operative unless replaced by an Authorized Variation Notice or corrected Platform Record.

13.6 Before payment, the Applicant and Purchaser must identify through the available Platform correction channel any promise, figure, Guarantee, timeline, fee treatment, or Refund statement made outside the Platform on which either person intends to rely. The Pre-Contract Representation Reconciliation records each identified statement as incorporated into the checkout record, expressly declined, or unresolved. If payment is authorized without an identified inconsistent statement, the transaction information accepted at checkout records that no outside statement is being relied on to contradict the Agreement.

13.7 An Applicant who later believes that a statement is inconsistent with the Agreement may submit a Representation Correction Request through the Platform during the Service Cycle without charge. The request must identify the speaker, approximate date, exact substance, asserted conflict, requested correction, and available contemporaneous evidence. ApplyAZ records any outcome in the Platform Record. No response time is guaranteed except where mandatory law applies.

13.8 Only an Authorized Variation Notice or Refund Decision may change a price, payment obligation, Guarantee, Refund entitlement, milestone trigger, or material Service scope. A job title, company email address, consultant relationship, prior assistance, or access to the Applicant's file does not create authority to make such a change.

13.9 Before relying on an outside statement for payment or another irreversible decision, the Applicant must submit the statement through the Platform and obtain a Staff Statement Confirmation Notice. The Applicant must not treat the statement as contractual while its status remains unconfirmed.

13.10 Where the Platform presents a summary of a material staff conversation, the Applicant must identify an inaccurate promise, price, Guarantee, or Refund statement before the next payment. Acceptance of the next transaction information accepted at checkout confirms that no unidentified outside statement is being relied on.

13.11 ApplyAZ may correct an unauthorized staff statement through a Staff Statement Confirmation Notice. A correction delivered before the Applicant reasonably changes position in reliance on the statement prevents that statement from varying the Agreement.

13.12 Staff silence, apology, sympathy, attempted assistance, escalation, settlement discussion, or acknowledgment that a complaint was received does not confirm the allegation and does not create authority that the staff member did not otherwise possess.

14. ApplyAZ Fees and milestone rules

14.1 An ApplyAZ Fee is payable only when the amount, currency, purchased Service or milestone, and payment trigger are stated in the accepted checkout record or in a later Platform transaction accepted before the related work begins. An estimate for a future unpaid stage is not the price for that stage.

14.2 Possible milestones include:

• Package Activation;
• Profile and Matching Completion;
• Application Preparation;
• Application Submission;
• Institutional Progress Event;
• Selection Invitation Event;
• Admission Success Event;
• Enrollment Support;
• Scholarship Application Support; and
• Visa Administrative Support.

14.3 A milestone fee is earned when the event, deliverable, or administrative stage defined for that milestone occurs and the corresponding evidence becomes accessible through the Platform. A milestone may be earned before admission, scholarship, enrollment, or visa outcome is known.

14.4 A milestone record identifies the milestone, applicable checkout record line, amount, currency, due date, and customer-facing evidence relied on. Evidence may include a prepared deliverable, approval log, submission status, Submission Report, institutional message, appointment record, interview invitation, or other Platform Record sufficient to show the defined event. ApplyAZ is not required to disclose a native file, internal communication, or third-party back-office record where the selected customer-facing evidence is sufficient.

14.5 The Applicant or Purchaser must identify a specific alleged error in a milestone record within fourteen calendar days after delivery. An unchallenged notice is treated as accurate for account reconciliation, subject to a demonstrated material error and any right that mandatory law does not permit the parties to exclude. A general objection, dissatisfaction with a later outcome, or unsupported recollection does not displace the notice.

14.6 Unless the checkout record provides otherwise, an earned milestone fee does not become refundable merely because the Applicant later changes their mind, rejects a matching result, decides not to travel, cannot personally use the result for a reason not caused by ApplyAZ, or is dissatisfied with a third-party decision.

14.7 An offer subject to a standard condition disclosed in the recorded program approval may be an Admission Success Event. An offer for the wrong degree level, teaching language, institution type, program, or intake is not a valid milestone unless the Applicant separately approved that difference.

14.8 ApplyAZ Fees are dynamic and may vary by Platform capacity, market demand, timing, Service Cycle, package, and scope. The ApplyAZ Fee for a milestone already paid does not change. Under a Milestone Plan, a future unpaid milestone is offered at the price displayed by the Platform when that milestone becomes available. The Applicant or Purchaser may accept that price before the related work begins. That price may be higher or lower than an earlier estimate or display. Where the Full Bundle Fee is paid in full, the ApplyAZ Fee for the included Full Bundle does not increase during that Service Cycle. A new Service, excluded item, Third-Party Fee, Authorized Variation Notice, or later Service Cycle may be priced separately.

14.9 A Selection Invitation Event or Institutional Progress Event may trigger its own milestone fee. It is not an Admission Success Event and does not represent that admission is certain.

14.10 Application preparation, application submission, institutional progress, selection invitation, admission, scholarship support, and visa support are separate stages. Completion of one stage remains earned even if the Applicant withdraws, refuses later work, or receives an unfavorable later decision.

14.11 A consultant quote, screen estimate, earlier price, or price paid by another customer does not fix the price of a future unpaid milestone. Section 14.8 controls future milestone pricing. The paid milestone price and a Full Bundle Fee paid in full remain protected as stated in Section 14.8.

14.12 Notwithstanding Sections 5.37 and 14.8, and without limiting them, an Integrated Bundle Commitment is a single sale of the admission, scholarship and visa Services identified in the accepted checkout record. The checkout record states one Bundle Price and each Milestone Installment before the first payment is authorized.

14.13 The Milestone Installments are a payment accommodation. They do not give the Applicant or Purchaser an option to purchase only the admission stage or to cancel the scholarship or visa stage after an Admission Installment Trigger.

14.14 The admission Milestone Installment becomes due when the Admission Installment Trigger occurs. The admission Milestone Installment compensates ApplyAZ for the admission work and capacity that produced or supported the covered event. It is earned on that trigger where the event matches the accepted checkout record.

14.15 The scholarship Milestone Installment becomes due when the Scholarship Installment Trigger occurs. The visa Milestone Installment becomes due when the Visa Installment Trigger occurs. Each later installment funds the remaining included Service and reserved operational capacity stated in the checkout record.

14.16 ApplyAZ records each trigger through a milestone record delivered under Section 35.2. ApplyAZ may also communicate the trigger by email, telephone call, meeting, WhatsApp or another optional channel. A call or meeting summary becomes part of the Platform Record when posted. Platform delivery does not require the Applicant or Purchaser to confirm receipt.

14.17 After an Admission Installment Trigger, the Applicant must remain reasonably available, provide the required cooperation and continue the included scholarship and visa stages. A decision not to travel, not to pursue scholarship support, not to pursue visa support or not to use a remaining Service is a Student-Caused Event. It does not reverse an earned fee or cancel the Integrated Bundle Commitment.

14.18 Where a Student-Caused Event prevents ApplyAZ from issuing a Scholarship Installment Trigger or Visa Installment Trigger in the ordinary sequence, ApplyAZ may issue a Service-Ready Notice. Delivery of that notice is the applicable trigger where ApplyAZ has made the stated Service and reserved capacity available and remains ready to perform on receipt of the identified cooperation.

14.19 The Bundle Price and Milestone Installments do not increase during the Service Cycle. A new Service, excluded item, Third-Party Fee, Authorized Variation Notice or later Service Cycle may be priced separately. Section 14.8 continues to govern an Order that does not expressly select an Integrated Bundle Commitment.

14.20 A later unfavorable institutional, scholarship, visa or other third-party outcome does not reverse a valid Admission Installment Trigger, Scholarship Installment Trigger or Visa Installment Trigger. Earned Service Value remains determined by the completion evidence stated in the accepted checkout record and applicable Schedule.

15. Invoices, payment, interest, taxes, and currency

15.2 ApplyAZ may charge interest or a late fee only at the rate or amount stated in the accepted checkout record and subject to mandatory law. Interest accrues only on an overdue undisputed amount. A properly disputed portion does not accrue interest while the specific dispute is under review, but the undisputed balance remains due.

15.3 The invoice and Platform payment record display the due date and consequences of nonpayment. ApplyAZ may suspend future work, Platform functionality, access to unpaid deliverables, credential handover, and support immediately after the displayed due date passes without full payment. No additional email, message, reminder, or cure notice is required. Suspension does not reverse a completed milestone, cancel a payment obligation, or require ApplyAZ to continue an unpaid Service.

15.4 No Late Payment Charge, collection charge, or administrative fee applies unless its amount or calculation was disclosed in the accepted checkout record before the obligation arose. An informal staff statement cannot create, increase, reduce, or waive such a charge.

15.5 An invoice, receipt, or account statement may be delivered through the Platform and may also be sent through an optional notification channel. Failure of an optional duplicate message does not invalidate the Platform record or make an otherwise valid ApplyAZ Fee refundable. ApplyAZ provides any additional invoice delivery required by mandatory law.

15.6 Each Milestone Installment is payable in full within five calendar days after Platform delivery of the applicable milestone record or Service-Ready Notice. The due date is the end of that five-calendar-day period unless ApplyAZ records a later due date in the Platform Record. An optional notification does not vary, postpone or waive the due date.

15.7 Notwithstanding Section 15.2, and without limiting it, a Late Payment Charge accrues on each overdue undisputed Milestone Installment beginning on the first calendar day after the due date determined under Section 15.6, at EUR 5.00 per calendar day or the order-currency equivalent disclosed in the accepted checkout record. The parties agree that the charge addresses ApplyAZ's continuing account administration, collection activity, reserved capacity and disruption caused by nonpayment. The Late Payment Charge has no contractual percentage cap or fixed maximum. It continues to accrue until the overdue installment and all accrued Late Payment Charges are paid in full, unless ApplyAZ waives or suspends further accrual in a written Platform Record. If mandatory law limits or restricts the charge, it is reduced or restricted only to the minimum extent required, and the underlying installment and every lawful portion of the charge remain due.

15.8 The Late Payment Charge applies separately to an overdue admission, scholarship or visa Milestone Installment. It does not compound. No Late Payment Charge accrues on a portion properly disputed under Section 27 while that specific dispute is under review.

15.9 An accrued Late Payment Charge is an account debt payable to ApplyAZ independently of the underlying Milestone Installment. Payment of the underlying installment does not waive an accrued charge. ApplyAZ may waive or reduce a charge in a Platform Record without creating a continuing practice or future waiver.

15.10 ApplyAZ may suspend every unperformed Service and withhold unpaid deliverables, support and credential handover immediately after a Milestone Installment becomes overdue. Suspension does not stop the Late Payment Charge, extend a third-party deadline or cancel the Integrated Bundle Commitment.

15.11 No manual invoice, reminder, telephone call, meeting or duplicate message is required before a Milestone Installment becomes overdue or a Late Payment Charge begins. Sections 35.2 to 35.6 govern delivery.

16. Third-Party Fees, Available Balances, and set-off

16.1 Third-Party Fees are separate from ApplyAZ Fees. Before collection, the Platform may display the intended third-party recipient, amount or estimate, purpose, and known refund rule based on the information then available.

16.3 Once a Third-Party Fee is paid or irrevocably committed to an identified provider for an authorized application, its refundability is governed by the provider’s rules. ApplyAZ does not guarantee that the provider will approve or promptly process a refund.

16.4 The Applicant and Purchaser authorize ApplyAZ to apply an Available Balance against an undisputed ApplyAZ Fee, Third-Party Fee, milestone payment, reimbursement, charge, or invoice due under the same Order and Service Cycle. The Platform ledger identifies the amount, date, and obligation satisfied. Application to a different Order or later Service Cycle does not require the authorization recorded for that transaction. An approved Guarantee Refund and an approved duplicate or unauthorized-payment Refund are not applied under this Section. An amount properly disputed under Section 27 is not applied until the dispute is determined. Only a net positive Available Balance remaining after lawful adjustments and set-offs may be considered for a Refund.

16.5 An ApplyAZ Fee is consideration for the purchased Services and becomes ApplyAZ's property when received. It is not held on trust, in escrow, in custody, or in a segregated account for the Applicant or Purchaser. ApplyAZ may use ApplyAZ Fees in its business without tracing them to a particular cost, provider, application, or Applicant. Refund rights remain governed exclusively by the Agreement.

16.6 An Application Advancement Budget is separate from an ApplyAZ Fee. Until applied or committed, it is recorded as an Available Balance. The accepted checkout record and Schedule 8 state its amount, currency, Service Cycle, authorized categories, any per-item limit, and treatment of an unused balance.

16.7 The Applicant and Purchaser authorize ApplyAZ to select the timing, sequence, provider, intermediary, payment method, currency, and application for each Advancement Expenditure whenever ApplyAZ identifies a reasonable opportunity to strengthen the completeness, presentation, verification, readiness, processing, or progression of the Applicant's file.

16.8 Advancement Expenditures may include application, examination, assessment, document procurement, verification, evaluation, translation, legalization, apostille, courier, insurance, appointment, portal, payment-provider, communication, software, certification, formatting, printing, or related administrative costs within the accepted categories.

16.9 ApplyAZ may combine payments, use a bulk or intermediary account, pay in advance, convert currency, select among providers, substitute a reasonably equivalent provider, and reallocate the Application Advancement Budget among authorized applications and categories within the Service Cycle. Separate item-by-item approval is not required within the accepted scope and limits.

16.10 The ApplyAZ Receipt and Platform ledger are the authoritative customer-facing accounting records for the Application Advancement Budget and each Advancement Expenditure. ApplyAZ is not required to pass through an original third-party receipt where Section 12.11 applies.

16.11 An amount is treated as committed when ApplyAZ places an order, reserves capacity, initiates payment, instructs an intermediary, creates a non-cancellable obligation, or otherwise becomes responsible for the amount. A committed amount is not an unused balance merely because the provider has not completed processing.

16.12 ApplyAZ may decline, postpone, replace, or discontinue a proposed Advancement Expenditure where it considers the expenditure unavailable, duplicative, disproportionate, unsuitable, ineffective, risky, inconsistent with the file, or outside operational capacity. The Application Advancement Budget does not guarantee admission, scholarship, visa issuance, appointment availability, or another outcome.

16.13 Any unused Application Advancement Budget remains subject to Section 16.4 and the refund and payment terms accepted at checkout. A saving, negotiated rate, bulk rate, provider credit, rebate, exchange difference, or operational efficiency does not require recalculation of an ApplyAZ Fee.

17. Refund eligibility and calculation

17.1 Every Refund under this Agreement is money returned to the Purchaser's original payment method, or to another verified payment method where the original method cannot receive it.

17.2 ApplyAZ approves a Refund only for a guarantee request that satisfies the accepted guarantee terms and Sections 19 to 22; a duplicate or unauthorized payment confirmed through ApplyAZ's payment review; an ApplyAZ Fee charged for a stage that ApplyAZ confirms was not completed or otherwise earned; a net positive Available Balance remaining after Section 16.4; a correction approved in a written closing statement; or another payment return expressly approved by ApplyAZ in writing.

17.3 For a Milestone Plan admission guarantee, the Refund equals one hundred percent of the Initial ApplyAZ Enrollment Fee actually paid for the covered Service Cycle. ApplyAZ does not deduct Earned Service Value from this calculation.

17.4 For a Full Bundle admission guarantee, the Refund equals the ApplyAZ Fees actually paid for the covered Full Bundle, minus the Earned Service Value of each Service stage completed before the Refund decision, and minus any ApplyAZ Fee already refunded, reversed, or charged back. The accepted checkout record and fee allocation accepted at checkout control each value and completion requirement.

17.5 For a Visa Guarantee or Scholarship Guarantee, the Refund equals the Covered Guarantee Amount stated in the accepted guarantee terms. A reference to a one hundred percent Refund means one hundred percent of that Covered Guarantee Amount and not one hundred percent of every amount paid by the Applicant or Purchaser.

17.6 No guarantee Refund includes a Third-Party Fee, tax, bank charge, payment-provider charge, foreign-exchange difference, government fee, university fee, tuition payment, visa or embassy fee, scholarship amount, or consequential loss.

17.7 Personal hardship, changed finances, inability to obtain a loan, family disagreement, changed travel plans, change of mind, dissatisfaction with a third-party outcome, or a decision not to continue does not by itself create a Refund or reverse Earned Service Value.

17.8 A withdrawal, cancellation, complaint, chargeback notice, request for account closure, or request to stop work is not a Refund approval. Refund eligibility and calculation remain governed by Sections 17 to 23.

17.9 A Refund exists only after a Refund Decision approves a stated amount or ApplyAZ confirms a duplicate or unauthorized payment return. A staff statement that a Refund was requested, initiated, escalated, expected, or under review is not a Refund Decision.

18. Refund requests, review, and payment

18.1 The Applicant must submit a guarantee Refund request through the designated Platform feature within thirty calendar days after the Guarantee Decision Date or relevant third-party decision identified in the accepted guarantee terms. The request is not complete until it includes the complete decision record, every document requested by the Platform, the contractual basis asserted and the supporting evidence available to the Applicant. An email, message, complaint or oral statement that does not satisfy this Section is not a guarantee Refund request.

18.2 ApplyAZ may request clarification, identity verification, payment information, or further evidence. A request remains incomplete and no review period begins until the required material is received. Eligibility is determined by reference to the accepted Agreement, accepted guarantee terms, Platform records, payment receipts, approvals, upload history, Documented Instructions, communications, submission records, and third-party decisions.

18.3 ApplyAZ processes complete Refund requests according to legal priority, urgency, complexity, operational capacity and dependence on third parties. No review or decision time is guaranteed unless the accepted guarantee terms or mandatory law expressly states one. Any decision recorded in the Platform may identify the applicable guarantee, material records, eligibility result, Refund calculation, exclusions, deductions and approved amount. The Platform decision is the written decision for purposes of the Agreement.

18.4 A Refund Decision is the only ApplyAZ record that approves or denies a Refund. An employee, consultant, advisor, contractor, or support representative cannot approve a Refund through an off-Platform statement.

18.5 ApplyAZ's receipt of a request, request for further evidence, investigation, silence, delayed response, settlement discussion, or courtesy communication does not admit liability, waive a condition, or approve the requested amount.

18.6 The Platform closing calculation may identify the pricing plan, ApplyAZ Fees paid, completed stages, Earned Service Value by stage, Third-Party Fees paid or committed, Available Balance applications, reallocations, set-offs, prior reversals and the final net Refund calculation. ApplyAZ may correct a manifest clerical or calculation error in the Platform Record.

18.7 A Refund belongs to the Purchaser who made the relevant payment and is not assignable or transferable without ApplyAZ’s written approval.

19. General conditions for all guarantees and promotional benefits

19.1 No guarantee applies unless:

• it is identified by name in the accepted guarantee terms;
• the Refund amount or calculation is stated;
• the Service Cycle and decision date are stated; and
• the Applicant and Purchaser affirmatively accept the guarantee conditions before payment.

19.2 Every guarantee condition is cumulative. The Applicant and Purchaser must satisfy every application-count, approval, payment, document, deadline, conduct, academic, language, financial, interview, assessment, enrollment, visa, scholarship, communication, and cooperation requirement stated in the Agreement and accepted guarantee terms. Failure of any material condition ends eligibility for the applicable guarantee benefit.

19.3 A guarantee does not apply where the relevant failure is directly caused or contributed to by:

• inaccurate, incomplete, inconsistent, fraudulent, or late information supplied by the Applicant or Sponsor;
• failure to approve, select, submit, or pay the application fees for all Eligible Recommended Programs designated as required by ApplyAZ;
• failure to pay a disclosed Third-Party Fee;
• failure to meet a Documented Instruction or deadline;
• failure to complete an interview, examination, portfolio, assessment, enrollment, or verification step;
• failure to achieve a published academic, language, financial, merit, or other threshold;
• voluntary withdrawal, abandonment, nonresponse, or rejection of a result that satisfies the accepted guarantee definition;
• an institution or authority changing or suspending its rules, capacity, program, intake, funding, or process after purchase;
• a Force Majeure Event; or
• another exclusion stated prominently in the accepted guarantee terms.

19.4 A condition or exclusion applies when it is material to eligibility, performance, or the outcome on which the guarantee request is based. ApplyAZ determines guarantee eligibility from the accepted Agreement, Platform records, communications, third-party notices, and documents provided by the Applicant.

19.5 Section 18 governs every Refund request, review, decision, and payment. A complaint about ApplyAZ’s decision must follow Section 27.

19.6 Notwithstanding Section 19.1, and without limiting it, the Platform may prevent collection of a fee identified as a guarantee fee until the accepted guarantee terms is complete. If a system error results in collection of a separately identified guarantee fee without a complete accepted guarantee terms, ApplyAZ may cure the error by refunding that separately identified guarantee fee or by presenting a completed accepted guarantee terms for affirmative acceptance. No promotional guarantee arises from an incomplete record except to the extent mandatory law requires otherwise.

20. Admission and Deposit Guarantee

20.1 This Section applies only where the accepted guarantee terms provides an Admission or Deposit Guarantee.

20.2 The guarantee is satisfied when at least one Approved Program covered by the accepted guarantee terms produces an Admission Success Event by the Guarantee Decision Date. Where the accepted guarantee terms states “public university admission,” an offer from a private institution does not satisfy the guarantee.

20.3 An application receipt, document-verification notice, Institutional Progress Event, shortlist notice, or Selection Invitation Event does not satisfy an admission guarantee unless the accepted guarantee terms expressly defines a different covered result.

20.4 If the guarantee requires seven applications or another stated number, Section 9 applies. Failure to approve and fund the complete required number of Eligible Recommended Programs means the guarantee never activates or immediately ceases to apply, and no Refund is payable.

20.5 The guarantee is also satisfied if the Applicant:

• rejects or withdraws from an offer meeting the Admission Success Event definition;
• fails to satisfy a standard offer condition within the Applicant’s control;
• requests a deferral or different intake after a matching offer is issued; or
• becomes unable or unwilling to attend for a reason not caused by ApplyAZ after approving the recorded program approval.

20.6 To qualify for the Refund, the Applicant and Purchaser must complete all required cooperation, including:

• provide complete, accurate, current, consistent, and authentic academic, identity, language, employment, immigration, and financial information;
• disclose every material fact affecting eligibility, including prior applications, refusals, academic gaps, pending results, document availability, and changes occurring during the Service Cycle;
• upload every required document in the requested format by the Platform deadline, including transcripts, certificates, provisional or final qualifications, translations, legalization, apostille, portfolio, test results, passport, and supporting records;
• review and approve the profile, CV, statements, application drafts, and corrections by each stated deadline;
• approve every required Eligible Recommended Program or identify a documented material mismatch within the review period;
• pay every disclosed application, examination, portal, and other Third-Party Fee required for all designated programs by the payment deadline shown on the Platform;
• authorize ApplyAZ to submit every required Approved Program and avoid withdrawing, blocking, duplicating, or materially changing an application without ApplyAZ’s written confirmation;
• monitor the registered email address and Platform, respond to ApplyAZ and institutions by every stated deadline, and promptly forward any direct institutional communication;
• complete every interview, examination, portfolio review, assessment, verification, pre-enrollment, and other institutional step honestly and on time;
• achieve and maintain the academic, degree-completion, language, document, and eligibility thresholds disclosed for the Approved Programs;
• immediately notify ApplyAZ of a changed fact, new result, independent application, third-party representative, institutional contact, or technical problem affecting the applications;
• follow each Documented Instruction and submit any claimed application error through the Platform before the relevant deadline;
• remain actively available and continue the covered applications through the Guarantee Decision Date.

20.7 The cooperation conditions are measured through the accepted Agreement, Platform approval records, payment receipts, upload timestamps, document history, messages, email-delivery records, submission receipts, institutional communications, and assessment or interview records.

20.8 No Refund is payable where the absence of an Admission Success Event is caused or materially contributed to by:

• failure to satisfy any condition in Sections 9, 10, 19, or 20.6;
• inaccurate, incomplete, inconsistent, fraudulent, altered, or late information or documents;
• failure to approve or fund every required Eligible Recommended Program;
• failure to complete a required qualification, examination, language test, interview, assessment, verification, or institutional step;
• rejection, withdrawal, abandonment, nonresponse, or loss of contact;
• applying independently or through another representative with conflicting or materially different information;
• an institution closing, suspending, cancelling, or changing a program, intake, deadline, eligibility rule, capacity, or selection process after purchase;
• a portal closure, government action, sanctions event, diplomatic disruption, or Force Majeure Event; or
• another Student-Caused Event or third-party event outside ApplyAZ’s control.

21. Visa administrative support and Visa Guarantee

21.1 ApplyAZ provides administrative visa-document support only where the checkout record includes it. ApplyAZ does not provide regulated immigration or legal advice, does not represent the Applicant before a consulate, embassy, or immigration authority, and does not control a visa decision. The visa authority is the sole decision-maker.

21.2 Visa Support Engagement Date. The accepted guarantee terms states a Visa Support Engagement Date for the Service Cycle. That date is the point by which the Applicant must have paid the applicable visa-support ApplyAZ Fee, provided the requested profile and financial information, and activated visa support on the Platform, so that ApplyAZ has sufficient lead time to issue instructions that depend on advance preparation.

21.3 Effect of late engagement. Certain visa requirements can only be satisfied over time. These include, without limitation, minimum balance maintenance or seasoning periods, source-of-funds history, education-loan sanction and disbursement timelines, sponsor income documentation, tax records, apostille and legalization processing, translation, police or medical certificates, and consular appointment availability. Where the Applicant activates visa support after the Visa Support Engagement Date, or provides requested information after that date, ApplyAZ cannot create the lead time that has already elapsed. No Refund is payable where the refusal is caused or materially contributed to by insufficient lead time arising from late engagement, late provision of information, or late payment of the visa-support ApplyAZ Fee.

21.4 A Documented Instruction is timely where ApplyAZ issues it as soon as reasonably practicable after the later of the date ApplyAZ becomes aware of the applicable requirement, the date the Applicant provides the information reasonably required to identify the requirement, and the Visa Support Engagement Date. An instruction is not untimely where the remaining time results from late engagement under Section 21.3, an Applicant delay, or a third-party change under Section 21.5.

21.5 Changes outside ApplyAZ’s control. A visa authority, consulate, visa application centre, institution, bank, or other third party may introduce, change, withdraw, reinterpret, or apply differently any requirement, checklist, document format, financial threshold, seasoning period, appointment process, processing practice, quota, or policy, at any time and without notice, including after ApplyAZ has issued an instruction and after the Applicant has acted on it. ApplyAZ has no control over any such change and no obligation to anticipate one. Where a requirement changes after ApplyAZ issues an instruction, the original instruction remains a timely and validly issued Documented Instruction for the purposes of this Agreement, and no Refund is payable where the refusal is caused or materially contributed to by the change or by the Applicant’s inability to satisfy the changed requirement in the time remaining.

21.6 Applicant responsibilities. The Applicant is responsible for complying with Documented Instructions concerning, as applicable:

• minimum bank balance and required maintenance or seasoning period;
• lawful source and traceability of funds;
• avoidance or explanation of unusual, borrowed, circular, or last-minute deposits;
• sponsor identity, relationship, income, tax, and support evidence;
• bank statements, balance certificates, fixed deposits, education loans, and other financial records;
• tuition or enrollment payments required by the institution or authority;
• accommodation, insurance, travel, and enrollment evidence;
• passport validity, photographs, translations, legalization, apostille, and original documents;
• appointment booking, attendance, biometrics, interview answers, and additional-document requests;
• disclosure of prior refusals, immigration history, criminal matters, health matters, and other requested facts; and
• application and response deadlines.

21.7 Refund availability. A visa refusal, non-acceptance, return, closure, withdrawal, Non-Decision Event, or inability to lodge does not by itself create a Refund. A Refund is available only where the Visa Guarantee is named in the accepted guarantee terms, every condition in Sections 18, 19, and 21 is satisfied, and the outcome is not excluded under Sections 21.8 to 21.10. A Refund is payable only for a Covered Refusal Ground.

21.8 Independently sufficient cause. No Refund is payable where an act, omission, failure, delay, inaccuracy, or non-compliance of the Applicant or Sponsor would on its own have been sufficient to result in refusal, non-acceptance, or return. A ground is an independently sufficient cause where the applicable visa rules permit refusal, non-acceptance, or return on that ground and the refusal record or contemporaneous evidence establishes that the ground existed. The ground remains independently sufficient whether or not another act, omission, or ApplyAZ-Caused Error also contributed to the outcome.

A determination by the visa authority concerning credibility, intention to return, bona fide or genuine student status, migration intent, purpose of stay, or the sufficiency of the Applicant's ties, circumstances, or profile arises from the Applicant Profile Facts and is capable of being an independently sufficient cause under this Section. This applies whether or not the determination also refers to, or was informed by, a Narrative Deliverable.

21.9 Excluded grounds. No Refund is payable where any of the following grounds is established as an independently sufficient cause under Section 21.8:

• insufficient, unseasoned, unexplained, unverifiable, or unavailable funds;
• a sponsor’s insufficient income, missing documents, or unsupported relationship;
• false, altered, inconsistent, incomplete, or misleading information provided by the Applicant or Sponsor;
• an adverse credibility, bona fide student, intention-to-return, travel-history, immigration-history, criminal, security, public-policy, or medical determination;
• failure to book or attend an appointment, interview, or biometric process;
• failure to submit a requested document or response within the period allowed;
• late engagement, late provision of information, or insufficient lead time under Section 21.3;
• a change by a third party under Section 21.5;
• an institution’s loss of status, late issuance, withdrawal, or change not caused by ApplyAZ;
• a change in law, policy, quota, appointment availability, processing practice, diplomatic condition, or government operation;
• a third-party portal, courier, translation, legalization, banking, insurance, or appointment failure outside ApplyAZ’s reasonable control;
• non-compliant, insufficient, expired, or unaccepted health, medical, or travel insurance;
• a missing, defective, expired, or incorrectly issued apostille, legalization, notarization, sworn or certified translation, or other document-format or certification requirement;
• the absence, rejection, or late issuance of a required academic evaluation, verification, or pre-assessment certificate, including an APS or equivalent certificate;
• failure to achieve, maintain, or evidence the language proficiency required by the institution or the visa authority;
• a mismatch between the visa category, duration, or entry type applied for and the programme, where Section 21.15 or 21.16 applies;
• an incomplete application file at lodgement where the missing item was identified in a Documented Instruction;
• lodgement at an institution that is not recognised, accredited, or approved by the relevant authority, where that status was published by the authority, changed after the recommendation date, or was misstated by the institution;
• non-disclosure, late disclosure, or inaccurate disclosure of a prior visa refusal, immigration history, or other requested circumstance;
• an unexplained academic gap, change of field, backlog, or inconsistency between the academic record and the programme applied for;
• the Applicant's own answers, conduct, preparation, or presentation at an interview, appointment, or biometric process;
• the Applicant applying independently, or through another representative, using information materially different from that held by ApplyAZ, without notifying ApplyAZ; or
• any other Student-Caused Event that is an independently sufficient cause under Section 21.8.

21.10 Where a refusal, non-acceptance, or return identifies more than one ground, no Refund is payable where at least one ground is an independently sufficient cause under Sections 21.8 and 21.9. This applies whether or not another ground, including an ApplyAZ-Caused Error, also contributed. Where no excluded ground is independently sufficient, a verified ApplyAZ-Caused Error is handled under Sections 17 and 31.

21.11 An approved Visa Guarantee Refund equals the Covered Guarantee Amount stated in the accepted guarantee terms and is processed under Section 18. It does not include a Third-Party Fee, tax, bank charge, payment-provider charge, foreign-exchange difference, tuition payment, scholarship amount, travel expense, accommodation expense, or consequential loss.

21.12 Visa Refusal Review Procedure. This procedure applies only after the Applicant submits a refusal through the designated Platform feature. An email, message or oral notice does not open a review case.

Stage 1: Complete submission. The Applicant must submit the complete refusal letter, appointment and lodgement records, every document requested by the Platform, the contractual basis asserted, and all supporting evidence within thirty calendar days after delivery of the refusal decision. The Applicant must also identify whether a Visa Guarantee was selected. Submission within that period satisfies the deadline in Section 18.1. A submission remains incomplete until the information required by Sections 18.1 and 21.12 is provided. A late submission does not open a review case and does not preserve a Refund request deadline.

Stage 2: Further information. ApplyAZ may request clarification, identity verification or further evidence. The review remains inactive until the Applicant provides the complete requested material. The Applicant remains responsible for every appeal, reapplication, deferral, enrollment and third-party deadline while the review is pending.

Stage 3: Determination. After the submission is complete, ApplyAZ reviews the accepted Agreement, accepted guarantee terms, Documented Instructions, Platform Record and evidence supplied. ApplyAZ processes the review according to legal priority, urgency, complexity, operational capacity and third-party dependencies. No determination time is guaranteed except where mandatory law applies. A determination may identify the grounds relied on, the relevant Section, any independently sufficient cause and the Refund outcome. Where the submission is also a consumer complaint, Section 27.2 governs the complaint timeline.

Stage 4: Further Services. Reapplication, appeal, authority review, deferral, transfer to another Service Cycle and work after a refusal are not included unless the checkout record or determination expressly states otherwise. ApplyAZ may require a new Order, additional ApplyAZ Fee and additional Third-Party Fees before work begins.

Stage 5: Internal reconsideration. The Applicant may submit one request for reconsideration through the Platform within twenty calendar days after delivery of the determination. The request must identify a specific factual or contractual error and include new or previously unavailable supporting evidence. ApplyAZ may reject a repetitive, unsupported or incomplete request without further review. Any reconsideration is handled under Section 27 and no separate response time applies beyond mandatory law.

Stage 6: External rights. The Applicant may contact the Grievance Officer under Section 27.1 and retains any non-waivable right to approach a statutory consumer authority. Any proceeding outside Toronto is permitted only to the minimum extent required by mandatory law. Sections 34.3 and 34.5 to 34.10 govern every civil Claim.

21.13 ApplyAZ-Caused Error. Except as provided in Section 21.10, a verified ApplyAZ-Caused Error is reviewed under Sections 17 and 31 and does not expand the Covered Guarantee Amount.

21.14 Notwithstanding Section 21.7, and without limiting it, a Non-Decision Event does not create a Refund. A Non-Decision Event is a third-party outcome and does not constitute non-performance or an ApplyAZ-Caused Error. A Non-Decision Event includes the absence of appointment capacity at the visa application centre or consulate before the intake closes. A visa granted after the enrolment deadline published by the Approved Program is a late issuance and is a Non-Decision Event. The Applicant may request the Service Cycle Transfer Right through the Platform within twenty calendar days after the Non-Decision Event becomes reasonably apparent. ApplyAZ determines the later Service Cycle and operational conditions. The request does not suspend a deadline. Third-Party Fees already paid or committed are not carried over and are payable again on transfer.

21.15 Notwithstanding Section 21.6, and without limiting it, the Applicant is solely responsible for confirming the consular jurisdiction determined by the Applicant's current residence and the published rules of the relevant Italian Mission. The Applicant is also responsible for confirming the correct visa category and duration for the programme. Before submission, the Platform displays the assumed consular jurisdiction, visa category, and programme duration. The Applicant must confirm each item. The displayed assumptions and confirmation form part of the Platform Record and constitute a Documented Instruction. ApplyAZ does not independently verify consular jurisdiction, category, or duration unless the checkout record expressly includes that paid Service.

21.16 Notwithstanding Section 21.9, and without limiting it, no Refund is payable where the non-acceptance or return of an application is caused by lodgement in an incorrect consular jurisdiction or under an incorrect visa category and the Applicant failed to comply with the applicable Documented Instruction issued under Section 21.15. Each such failure is treated as an independently sufficient cause under Section 21.8 unless the refusal, non-acceptance or return record itself shows otherwise.

21.17 Fallback where the Platform confirmation was not completed. Notwithstanding Section 21.15, and without limiting it, where the Platform display and Applicant confirmation described in Section 21.15 were not completed for an Order, the Applicant's responsibility for consular jurisdiction, visa category, and programme duration continues. Incorrect jurisdiction, category, or duration may still be established as an independently sufficient cause under Section 21.8 where the correct position was published by the relevant mission, authority, or institution before lodgement and the Applicant did not raise the discrepancy through the Platform before lodgement.

21.18 Narrative Deliverables. A Narrative Deliverable presents the Applicant Profile Facts supplied by the Applicant. ApplyAZ does not create, supplement, strengthen, or improve an Applicant Profile Fact and does not warrant that any Applicant Profile Fact will satisfy a visa authority. The Applicant must review each Narrative Deliverable and, before lodgement, identify any inaccuracy or any Applicant Profile Fact the Applicant considers omitted. An approved Narrative Deliverable is treated as accurately presenting the Applicant Profile Facts then recorded in the Platform Record. No Refund arises from a refusal on credibility, intent, ties, or genuineness grounds where the Applicant approved the Narrative Deliverable and did not identify an omitted or inaccurate Applicant Profile Fact before lodgement.

21.19 Visa Transfer Benefit.

21.19.1 Where a Visa Guarantee is selected and no Refund is payable because an excluded ground under Section 21.9 applies, ApplyAZ offers the Service Cycle Transfer Right on the conditions stated in the accepted guarantee terms.

21.19.2 The Applicant must request the Visa Transfer Benefit through the Platform within twenty calendar days after delivery of the refusal decision. The request does not suspend an appeal, enrolment, reapplication, appointment, payment, or other deadline.

21.19.3 ApplyAZ determines the later Service Cycle and operational conditions. Third-Party Fees already paid or committed are not carried over and are payable again on transfer. An additional or excluded item may be priced before work begins. The Visa Transfer Benefit is the principal benefit of the Visa Guarantee in every case where Section 21.9 applies.

22. Scholarship support and Scholarship Guarantee

22.1 ApplyAZ does not award or control scholarships. A reference to tuition-free study, a fee waiver, DSU, a regional benefit, or an amount “up to” a stated figure is not a guarantee that the Applicant will receive that amount.

22.2 Scholarship support is limited to the administrative Services in the checkout record. The relevant university, regional body, government, or scholarship authority independently determines eligibility, ranking, award amount, payment timing, continuation, revocation, and recovery.

22.3 The Applicant is responsible for timely and accurate compliance with requirements concerning:

• family composition, residence, income, assets, property, bank accounts, and sponsor information;
• ISEE, ISEE Parificato, equivalent-economic-status, tax, and consular documentation;
• translation, legalization, apostille, currency conversion, certification, and original-document rules;
• admission, enrollment, tuition, accommodation, attendance, merit, and academic-credit requirements;
• application, correction, appeal, and acceptance deadlines; and
• continued eligibility after an award.

22.4 No Refund is payable where non-award, reduction, delay, revocation, or recovery is caused or materially contributed to by:

• the Applicant exceeding a financial, asset, residence, academic, merit, or other threshold;
• incomplete, inaccurate, inconsistent, late, or unverifiable information;
• failure to obtain required foreign or consular documents;
• failure to enroll, attend, reside, or earn the required academic credits;
• limited public funds, ranking, competition, exhaustion of funds, or third-party discretion;
• a change in law, policy, threshold, exchange methodology, document rule, or deadline;
• a Third-Party or Force Majeure Event; or
• another Student-Caused Event.

22.6 Limited scholarship funds, ranking, competition, exhaustion of funds, government or institutional discretion, and a change in eligibility criteria are third-party outcomes outside ApplyAZ’s control and do not create a Refund.

23. Withdrawal, cancellation, nonresponse, and abandonment

23.1 A voluntary withdrawal or cancellation must be submitted through the designated Platform feature or to legal@applyaz.com where no designated feature is available. It takes effect for future ApplyAZ work when ApplyAZ receives the identifiable request. It does not cancel a third-party application, institutional obligation, or Third-Party Fee unless the relevant third party confirms cancellation.

23.2 After withdrawal, ApplyAZ may prepare a closing calculation showing ApplyAZ Fees paid, completed milestones, Earned Service Value, Third-Party Fees paid or committed, unpaid amounts, Available Balances, and any net Refund. ApplyAZ is not required to reverse work completed before receipt of the withdrawal.

23.3 Voluntary cancellation does not reverse a valid completed milestone or a Third-Party Fee already committed. Every Available Balance remains subject to the standing instruction and set-off rights in Section 16.4.

23.4 The Platform may automatically place a file on hold when an Applicant misses a displayed response, document, approval, payment, interview, assessment, or other required deadline. The dashboard status, missing-item field, and displayed deadline constitute the complete warning. ApplyAZ is not required to send a reminder, final notice, email, WhatsApp message, or make individual contact before or after the hold.

23.5 Unless an urgent third-party deadline requires an earlier consequence already displayed in the Platform, ApplyAZ may treat a file as abandoned after thirty consecutive days without the required response or item following a Platform hold.

23.6 Abandonment may end future work, invalidate a conditional guarantee where the nonresponse materially prevents performance, and trigger the Platform closing calculation and Section 16.4 set-off process.

23.7 Notwithstanding Section 23.5, and without limiting it, the Applicant may request a Compassionate Deferral through the Platform on evidenced death, serious illness or comparable incapacity of the Applicant or a Sponsor. The request must be submitted as soon as reasonably possible and include evidence satisfactory to ApplyAZ. No deadline is suspended and no file status changes until ApplyAZ records written approval in the Platform. ApplyAZ may approve, condition or decline the request having regard to operational capacity, completed work, third-party deadlines and program availability. If approved, the Platform identifies the affected deadlines and whether the Service Cycle Transfer Right applies. The deferral does not reverse an earned ApplyAZ Fee or a Third-Party Fee.

23.8 Personal, medical, family, employment, loan, funding, travel, accommodation, scholarship, or visa difficulty does not automatically undo a completed stage or committed Third-Party Fee. The Applicant may request a Compassionate Deferral under Section 23.7 where its conditions apply.

23.9 Withdrawal does not create a right to unpaid deliverables, native files, internal materials, or credential handover not included in the checkout record. Access to personal information remains governed by Section 12.8 and the Privacy Policy.

23.10 A confirmation that a withdrawal or complaint was received is an administrative acknowledgment only. It is not a Refund Decision and does not state that ApplyAZ agrees with the reasons given.

23.11 Notwithstanding Sections 23.1 to 23.3, and without limiting them, a voluntary withdrawal after an Admission Installment Trigger does not terminate an Integrated Bundle Commitment for convenience. Each Milestone Installment remains payable under the accepted schedule while ApplyAZ remains ready and willing to perform the included Services.

23.12 Where mandatory law permits the Applicant to terminate the remaining Bundle Price, the Early Withdrawal Charge equals ten percent of the unpaid Bundle Price remaining immediately before withdrawal or any lower amount required by mandatory law. It represents reserved capacity, committed planning and administrative close-out. ApplyAZ does not recover both the terminated portion of the Bundle Price and the Early Withdrawal Charge for the same remaining scope.

23.13 A withdrawal does not accelerate an untriggered Milestone Installment solely because the Applicant withdraws. Section 14.18 applies where the Applicant prevents a later trigger after ApplyAZ makes the Service and reserved capacity available.

23.14 ApplyAZ may place the remaining Services on hold until every overdue Milestone Installment and accrued Late Payment Charge is paid. ApplyAZ is not required to preserve a third-party deadline, appointment, intake or opportunity during the hold.

23.15 Sections 14.12 to 14.20 and 23.11 to 23.14 do not restrict a cancellation, rescission or refund right that mandatory law does not permit the parties to exclude. Every lawful payment obligation and completed-stage consequence continues to apply.

24. Marketing, testimonials, and public information

24.1 ApplyAZ may market the Milestone Plan admission guarantee as “100% Deposit Refund Guarantee. T&C apply.” This means 100% of the Initial ApplyAZ Enrollment Fee actually paid, excluding Third-Party Fees, and remains conditional on full cooperation under Sections 9, 19, and 20.

24.2 ApplyAZ may market the Full Bundle admission guarantee as “Admission Refund Guarantee. T&C apply.” The related disclosure states that the Refund equals ApplyAZ Fees paid minus the Earned Service Value of completed Services and excludes Third-Party Fees.

24.3 ApplyAZ may market a Scholarship Guarantee as "100% Refund. T&C apply," meaning 100% of the Covered Guarantee Amount stated in the accepted guarantee terms and excluding Third-Party Fees. ApplyAZ markets the Visa Guarantee as "Visa Guarantee: Refund or Transfer. T&C apply." The related disclosure states that the Refund is limited to the Covered Guarantee Amount, is available only in the circumstances stated in Sections 21.7 to 21.11, and that in the excluded circumstances stated in Section 21.9 the benefit is the Visa Transfer Benefit under Section 21.19.

24.4 ApplyAZ identifies the Covered Guarantee Amount and the principal exclusions in the order-specific accepted guarantee terms and any order-specific percentage Refund statement. A general marketing statement does not expand the Covered Guarantee Amount or remove an accepted condition. ApplyAZ makes any additional disclosure, prominence, or proximity presentation required by mandatory advertising or consumer law.

24.5 Before payment, the Applicant and Purchaser must identify through the Platform any advertisement, social-media statement, webinar statement, sales message, price, Guarantee, or Refund claim on which either intends to rely. The Platform records the identified statement in the Platform record of the identified marketing statement.

24.6 The Platform record of the identified marketing statement states whether the identified claim applies to the Order, does not apply to the Order, or applies only with the stated amount, conditions, and exclusions. The Applicant and Purchaser review the record before authorizing payment.

24.7 A general marketing statement does not override a clear order-specific correction displayed before payment. The correction identifies the relevant claim and the exact position applicable to the Order.

24.8 The price confirmation states the complete ApplyAZ Fee then payable for the purchased stage or Full Bundle. It separately identifies Third-Party Fees and explains that the price of a future unpaid milestone may change under Section 14.8.

24.9 Where the Applicant identifies an unresolved material inconsistency before payment, the Applicant must not authorize payment until the Platform records the correction or incorporates the identified statement into the checkout record. Acceptance after that reconciliation confirms the order-specific position.

25. Platform availability, security, and acceptable use

25.2 The Applicant must protect login credentials, use multi-factor authentication where offered, and promptly report suspected unauthorized access.

25.3 The Applicant must not:

• interfere with Platform operation or security;
• scrape, reverse engineer, resell, or misuse proprietary content;
• upload malware or unlawful content;
• impersonate another person;
• use the Platform for fraud or document falsification; or
• threaten, abuse, or unlawfully harass staff or other users.

27. Complaints and invoice disputes

27.1 Complaints may be submitted through the designated Platform complaint feature, to legal@applyaz.com, or to team@applyaz.com. ApplyAZ's Grievance Officer may be contacted at the registered address in Section 39 and at legal@applyaz.com. Telephone contact is available through a verified callback request submitted through the Platform or to legal@applyaz.com.

27.2 A consumer complaint submitted through ApplyAZ's designated complaint channel is acknowledged and processed within the periods and by the method required by mandatory law. No shorter voluntary acknowledgment, response, or decision period applies unless ApplyAZ states one for the specific complaint in the Platform.

27.3 A milestone invoice dispute is not complete until it identifies the invoice, the exact disputed amount, the contractual basis and supporting documents. Filing a dispute does not suspend an undisputed amount, deadline or unrelated payment. ApplyAZ may maintain, suspend or adjust the specifically disputed portion while reviewing it.

27.4 Any Platform decision for an invoice dispute may identify the milestone record, relevant checkout record provision and itemized calculation. No duplicate email or separate manual explanation is required.

27.5 The Applicant and Purchaser are encouraged to complete ApplyAZ's internal complaint process before commencing a civil Claim. Participation does not amend the Agreement or waive a defence. The internal process does not alter the exclusive jurisdiction selected under Section 34. An external complaint or remedy is available only to the minimum extent that mandatory law does not permit the parties to restrict it and is governed by Section 34.10.

27.6 Internal Resolution Service. ApplyAZ provides a free internal review through the Platform dispute feature, the Grievance Officer or legal@applyaz.com. A request is not complete until it identifies the relevant transaction, facts, contractual basis, relief requested and supporting evidence. ApplyAZ may request further information. Except where Section 27.2 or another mandatory law provides otherwise, ApplyAZ reviews complete requests according to legal priority, urgency, complexity, operational capacity and third-party dependencies, without a guaranteed response or decision time.

27.7 The Applicant is encouraged to use the Internal Resolution Service before pursuing an external process. The Service is free and can generally resolve a fee or milestone question faster than an external body. Use of the Service does not amend the Agreement, waive any defence available to ApplyAZ, or alter the exclusive jurisdiction selected under Section 34. An external process is permitted only where and to the minimum extent that it qualifies as a Non-Waivable Proceeding under Section 34.10.

27.8 A complaint or invoice dispute must identify the specific transaction, statement, program, milestone, fee, or record challenged, the exact alleged error, the contractual or legal basis, the relief requested, and the available supporting evidence. ApplyAZ is not required to infer a claim from a generalized accusation or to answer unrelated issues not identified in a complete request.

27.9 A delayed response, no response to an informal message, a request for further information, or continued discussion does not admit a fact, approve a Refund, waive a defence, or prevent ApplyAZ from relying on the Agreement and Platform Record.

28. Chargebacks and payment reversals

28.1 Before initiating a chargeback, the Purchaser should contact ApplyAZ and allow a reasonable opportunity to address the issue, unless urgent action is reasonably necessary to preserve a payment-provider deadline or protect against an unauthorized transaction.

28.2 ApplyAZ may provide the payment provider with the accepted Agreement, order record, service evidence, communications, and transaction evidence relevant to a chargeback.

28.3 ApplyAZ may immediately suspend unperformed Services, Platform functionality, downloads, credential handover, and support while a corresponding payment is reversed, disputed, unavailable, or under payment-provider review.

28.4 ApplyAZ may recover any amount recorded as owing under the Agreement. During a chargeback or payment investigation, ApplyAZ may suspend unpaid Services, downloads, credential handover, and access to unpaid ApplyAZ Materials and may exercise its Section 16.4 application and set-off rights. A chargeback or payment-provider process does not adjudicate the parties' contractual rights, approve a Refund, waive an amount owing, or alter the governing law and exclusive jurisdiction selected under Section 34.

29. Suspension and termination

29.3 Termination does not affect accrued rights, earned fees, Available Balances, Section 16.4 application and set-off rights, licences already granted for paid final materials, confidentiality, privacy duties, records retained under Section 33, dispute provisions, or provisions intended to survive.

30. Force majeure and third-party disruption

30.1 A “Force Majeure Event” means an event beyond a party’s reasonable control, including natural disaster, epidemic, war, civil disorder, government restriction, diplomatic interruption, sanctions, strike, widespread utility or internet failure, cyberattack not caused by failure to use reasonable safeguards, third-party portal failure, or institutional or governmental closure.

30.3 ApplyAZ may respond to a Force Majeure Event by rescheduling work, replacing a workflow, deferring the Service, or extending a deadline. A Force Majeure Event does not create a Refund.

30.4 This Section does not excuse payment of an amount already earned. Every Available Balance remains subject to Section 16.4.

30.5 Notwithstanding Section 30.3, and without limiting it, delay, disruption, rescheduling, replacement workflow and partial performance caused by a Force Majeure Event do not create a Refund. ApplyAZ retains the Earned Service Value of work completed before or during the event. If ApplyAZ determines that the remaining unperformed scope has become permanently impossible, ApplyAZ may provide re-performance, a Platform credit, the Service Cycle Transfer Right or a Refund of the unearned portion allocated to that remaining scope. ApplyAZ selects the remedy except where mandatory law requires otherwise.

31. Limitation of liability

31.1 This Section allocates the commercial risks accepted by the parties and applies to every contractual, tort, negligence, restitutionary, statutory, and other claim arising from the Platform, Services, an Order, or a third-party outcome.

31.2 ApplyAZ is not liable for an indirect, incidental, special, exemplary, punitive, or consequential loss; lost profit; lost opportunity; lost scholarship; lost tuition saving; travel or accommodation loss; reputational loss; emotional distress; or loss arising from a university, scholarship authority, visa authority, government, bank, payment provider, courier, translator, insurer, or other third party.

31.3 Except to the extent mandatory law prohibits the limitation, ApplyAZ's total aggregate liability arising from one event or a series of connected events does not exceed the ApplyAZ Fees actually paid for the specific Service stage directly affected. If the accepted checkout record contains no separate allocation for that stage, the limit is the total ApplyAZ Fees actually paid under the affected Order. This Section does not limit a liability that mandatory law does not permit the parties to limit.

31.4 The recording, reallocation, application, or set-off of an Available Balance under Section 16.4 is an account-payment function and does not constitute damages, liability, an admission, or an increase to the liability cap.

31.5 ApplyAZ is not liable for a loss to the extent caused by:

• a Student-Caused Event;
• a third-party decision or change outside ApplyAZ’s reasonable control;
• the Applicant’s failure to mitigate after receiving a Documented Instruction;
• information or a document the Applicant supplied; or
• use of the Services for a purpose not stated in the checkout record.

31.7 Except to the extent mandatory law requires another remedy, for a verified ApplyAZ-Caused Error, ApplyAZ may select re-performance of the affected administrative step, correction of the affected Platform Record, cancellation of the affected unpaid ApplyAZ Fee, or a Refund of the ApplyAZ Fee allocated to the affected Service stage and actually paid as the sole and complete remedy. Completion of the selected remedy resolves every claim arising from that error.

31.8 Notwithstanding Section 31.7, and without limiting it, where re-performance cannot restore the Applicant to the affected intake or Service Cycle, ApplyAZ may substitute a Platform credit, the Service Cycle Transfer Right or a Refund of the ApplyAZ Fee allocated to the unperformed portion of the affected stage and actually paid. ApplyAZ selects the remedy except where mandatory law requires otherwise. This Section does not increase the aggregate limit in Section 31.3.

31.9 An Applicant alleging incomplete or defective performance must submit a Service Cure Notice as soon as the issue becomes reasonably apparent. The Applicant must identify any third-party deadline that may be affected.

31.10 Except where mandatory law requires an immediate remedy, ApplyAZ has a reasonable opportunity to investigate and cure a remediable deficiency before a Refund, damages, termination remedy, or replacement Service arises. The reasonable opportunity is assessed having regard to urgency, operational complexity, available alternatives, and third-party deadlines.

31.11 A clerical, formatting, communication, sequencing, labeling, or recordkeeping defect does not create a Refund where it is corrected and did not materially reduce the value of the purchased Service or cause the Applicant to lose a substantive opportunity.

31.12 ApplyAZ may cure a deficiency through correction, completion, re-performance, replacement with a functionally equivalent deliverable, resubmission where available, Service Cycle Transfer Right, Platform credit, or the remedy stated in Sections 31.7 and 31.8.

31.13 A deficiency affecting one Service stage does not reverse Earned Service Value for another completed stage. Any remedy is limited to the stage directly affected, except where mandatory law requires otherwise.

31.14 No Refund or liability arises from a deficiency that would not have changed the Applicant's position, eligibility, application status, or third-party outcome. The Applicant remains responsible for mitigating avoidable loss after receiving a Documented Instruction or proposed cure.

32. Indemnity for unlawful Applicant conduct

32.1 The Applicant will indemnify and defend ApplyAZ, its affiliates, directors, officers, employees, and contractors against a third-party claim, regulatory loss, penalty, investigation cost, and reasonable legal cost directly resulting from the Applicant’s forged or fraudulent document, identity theft, unlawful instruction, infringement of a third party’s rights, or deliberate material misrepresentation.

32.3 Details of an indemnified claim may be posted to the Platform or delivered to the registered contact details. The Applicant must cooperate promptly, and ApplyAZ controls the investigation, defense, counsel selection, strategy, negotiation, and settlement of the claim.

33. Records and evidence

33.1 ApplyAZ may maintain records of:

• accepted document versions and electronic acceptance;
• profile data and change history;
• recorded program approvals;
• application drafts, submissions, receipts, and institutional correspondence;
• messages, transcripts, summaries, and recorded calls;
• milestone notices, invoices, ledgers, payments, and refunds;
• complaints and decisions; and
• security and access logs.

33.2 ApplyAZ's contemporaneous electronic records, including acceptance logs, version records, timestamps, payment records, dashboard events, approval events, contract-delivery records, and Refund records, constitute rebuttable prima facie evidence of the recorded event. A party challenging a record must identify the specific alleged error and provide the available supporting evidence.

33.3 No internal dashboard label changes the legal meaning of a complete source institutional document. For the third party’s decision, the source document governs. For ApplyAZ’s contractual administration, the Platform Record governs under Sections 12 and 33.

33.4 ApplyAZ may provide a Platform Record export or account statement through a feature included in the Platform or checkout record. A personal-information access request is handled under Section 12.8 and the Privacy Policy and does not create a general right to ApplyAZ Materials, source records, native files, internal communications, or third-party records.

33.5 ApplyAZ may establish acceptance, authorization, payment, delivery, submission, a milestone, or a completed Service through a Platform Record, invoice, payment record, acceptance log, approval log, Submission Report, customer-facing deliverable, source record, third-party communication, or a combination of those records. No particular form of evidence is required unless the checkout record or mandatory law requires it.

33.6 A bare assertion, later recollection, allegation framed as a question, or absence of a duplicate convenience message does not by itself rebut a contemporaneous record. The challenging party must identify what is said to be wrong, why it is wrong, and the available contemporaneous evidence.

33.7 Where transaction information accepted at checkout states that no inconsistent outside promise was relied on, ApplyAZ is not required to disprove an unidentified oral or informal statement. The Applicant must first identify the speaker, approximate date, exact substance, asserted conflict, and available contemporaneous evidence.

33.8 ApplyAZ is not required to prove a negative fact solely because an Applicant makes a generalized allegation. This Section does not relieve ApplyAZ of evidence that mandatory law requires ApplyAZ to produce for a specific transaction or claim.

33.9 Where the ordinary Platform Record is unavailable or incomplete, ApplyAZ may establish performance through a Corroborated Performance Record. The absence of one particular type of record does not by itself establish non-performance.

33.10 A Corroborated Performance Record may rely on document metadata, creation history, delivery history, access logs, email headers, institutional correspondence, portal status, submission identifiers, payment records, appointment records, completed deliverables, third-party communications, or the Applicant's subsequent conduct.

33.11 A Corroborated Performance Record constitutes rebuttable prima facie evidence of the recorded event. A challenge must identify the specific source said to be inaccurate and provide available contemporaneous evidence supporting that challenge.

33.12 The Applicant's use, approval, forwarding, submission, or continued reliance on a deliverable constitutes independent evidence that the deliverable was received. A later payment specifically connected with a completed stage constitutes independent evidence that the Applicant was informed of that stage.

33.13 Before a later payment or Service begins, the Platform may present a File Continuation Confirmation. The accepted File Continuation Confirmation constitutes independent confirmation of the identified prior stages, submissions, Third-Party Fees, Advancement Expenditures, and account status.

33.14 ApplyAZ may correct or complete a Platform Record from contemporaneous evidence. The corrected record identifies the source category and event date. A correction does not constitute an admission that the underlying Service was not performed when originally due.

34. Governing law, chosen forum, and dispute procedure

34.1 Governing law. This Agreement and every contractual, non-contractual, statutory, tort, restitutionary, consumer, payment, privacy, advertising, or other dispute arising from or connected with the Platform, the Services, an Order, or the relationship between the parties are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law rules.

34.2 Rationale for a single forum. ApplyAZ is a single Canadian company operating one Platform under one set of Terms and one pricing framework for applicants resident in many countries. ApplyAZ’s pricing is set on the basis that the Agreement is administered under one governing law and that disputes are resolved before one forum. Defending proceedings across multiple national jurisdictions would require ApplyAZ either to increase its fees materially or to apply different legal terms and guarantees depending on an applicant’s country of residence. A single governing law and forum allow ApplyAZ to apply the same contractual framework and pricing rules to each Applicant. Actual ApplyAZ Fees may vary between Orders under Section 14.8. The parties record that this is the commercial basis on which the Services are priced and supplied.

34.3 Except solely for arbitration agreed in writing after a dispute under Section 34.8, a Non-Waivable Proceeding under Section 34.10, or a proceeding outside Toronto solely to recognize, enforce, or execute a final Toronto judgment or order, every Claim must be commenced, prosecuted, heard, and finally determined exclusively in the courts located in the City of Toronto, Ontario, Canada that have subject-matter jurisdiction, including the Ontario Superior Court of Justice and its Small Claims Court, and any court having appellate jurisdiction over their decisions. Those courts are the exclusive and only agreed forum for every Claim. Claim includes every action, application, proceeding, counterclaim, crossclaim, demand, or civil dispute, whether framed in contract, tort, negligence, statute, consumer protection, privacy, advertising, restitution, equity, or otherwise, arising from or connected with the Platform, Services, an Order, this Agreement, any communication, or the relationship between the parties. This Section applies to every Claim by or against ApplyAZ, an Applicant, or a Purchaser and to every Claim against ApplyAZ's affiliates, directors, officers, employees, contractors, consultants, agents, successors, and permitted assigns, each of whom is an intended beneficiary entitled to rely on and enforce this Section. Each party irrevocably and unconditionally submits to the personal jurisdiction and venue of the selected Toronto courts and waives, to the fullest extent permitted by law, every objection based on jurisdiction, venue, inconvenient forum, forum non conveniens, residence, nationality, the location of evidence or witnesses, the place of payment or performance, or the location of any employee, contractor, consultant, Applicant, or Purchaser. No party may commence or maintain a Claim in another forum. If a Claim is commenced elsewhere contrary to this Section, the commencing party must, to the fullest extent permitted by law, discontinue it or consent to its dismissal or stay. A proceeding outside Toronto solely to recognize, enforce, or execute a final Toronto judgment or order may not relitigate the merits.

34.4 Accessible resolution. For a dispute concerning ApplyAZ Fees paid or payable under an Order, and for any other dispute in which the amount claimed is below CAD $3,000, ApplyAZ may offer a documents-only or remote process where the governing procedure permits it. Nothing in this Section requires ApplyAZ to waive a procedural right, jurisdictional objection, defence, appeal or entitlement concerning costs. Costs remain subject to mandatory law, the governing procedure and any order of the decision-maker.

34.5 A party who considers that a dispute has arisen must notify the other promptly, and within thirty calendar days after becoming aware of the circumstances, by written notice to legal@applyaz.com identifying the transaction, material facts, contractual and legal basis, relief sought, and supporting documents. Section 34.7 states the consequence of late notice.

34.6 Review period. A dispute notice is not complete until it identifies the transaction, material facts, contractual and legal basis, relief sought and supporting documents. The internal review period is thirty calendar days after ApplyAZ receives a complete notice. ApplyAZ may request clarification or evidence, and the period begins again when the complete response is received. ApplyAZ may, but is not required to, issue a response during the internal review period.

34.7 Where enforceable, the parties must allow the review period in Section 34.6 to expire before commencing an ordinary civil Claim. Expiry satisfies that review step whether or not ApplyAZ has issued a response. Late notice does not bar a Claim, but the other party is not responsible for additional loss, cost, or prejudice that prompt notice would have avoided. An urgent civil application must be brought in the exclusive Toronto forum selected under Section 34.3 unless it qualifies as a Non-Waivable Proceeding under Section 34.10. This Section does not extend a statutory limitation period or restrict a right that mandatory law does not permit the parties to restrict.

34.8 Arbitration by agreement. After a dispute has arisen the parties may agree in writing to confidential arbitration seated in Toronto, Ontario, in English, before one arbitrator under the procedures stated in that agreement. This Agreement does not require pre-dispute arbitration.

34.9 ApplyAZ’s employees, contractors, consultants, communications, or remote operations in another country do not change the identity of the Canadian contracting entity, the Ontario governing law, or the parties’ selection of the Toronto forum.

34.10 Non-Waivable Proceedings. A Non-Waivable Proceeding means only a statutory, regulatory, or consumer proceeding that mandatory law expressly permits to be brought before another authority or forum and that the parties cannot lawfully exclude, waive, or assign exclusively to the Toronto courts. Any exception applies only to the minimum extent strictly required by that mandatory law. It does not constitute ApplyAZ's consent to jurisdiction for another Claim, waive any jurisdictional or substantive defence, authorize a parallel civil damages proceeding, or displace the Ontario choice of law in Section 34.1 except to the extent mandatory law expressly requires otherwise.

34.11 The United Nations Convention on Contracts for the International Sale of Goods does not apply.

34.12 Notwithstanding Section 34.2, and without limiting it, one pricing framework does not mean an identical currency amount for every Applicant or Order. ApplyAZ Fees may vary between Orders under Section 14.8. The same pricing rules apply without regard to the Applicant’s nationality or place of residence.

35. Platform communications and delivery

35.1 A contractual, cancellation, complaint, dispute, or legal notice from the Applicant or Purchaser to ApplyAZ must be submitted through the Platform feature designated for that purpose, or to legal@applyaz.com where no designated Platform feature is available.

35.2 Delivery. Except where mandatory law requires another method, a fee, milestone, Guarantee, Refund, suspension, termination, deadline, instruction, decision, record, or other communication is delivered when it is posted to or made accessible through the registered Platform account. The system log of posting is rebuttable prima facie evidence of delivery. Delivery does not depend on an optional email, SMS, WhatsApp message, telephone call, or proof that the Applicant opened the item.

35.3 Optional notifications. The Platform may dispatch an email, SMS, WhatsApp or other automated notification concerning an item in the Platform Record. A notification is an optional convenience, is provided for information only and does not vary, extend or create any right, fee, deadline or obligation. Where a notification and the Platform Record differ, the Platform Record governs. Failure, delay, filtering, non-delivery or non-receipt of an optional notification does not affect Platform delivery.

35.4 ApplyAZ personnel are not required to send, repeat, confirm or follow up on an optional notification. ApplyAZ may select, add, remove or change the events that generate optional notifications without amending an Order.

35.5 The Applicant is responsible for maintaining accurate contact details and working Platform credentials, and for acting by every displayed deadline. Failure to open, read, or act on an accessible Platform item or a dispatched notification does not delay delivery or extend a deadline. A milestone payment period begins when the milestone record and accompanying evidence become accessible through the Platform.

35.6 Beyond any communication expressly required by mandatory law or the checkout record, ApplyAZ has no duty to send deadline reminders, chase missing documents, make courtesy calls, repeat a Platform instruction, provide progress updates or contact the Applicant through additional channels. Any reminder, response, update or outreach is a voluntary convenience and does not create a continuing practice, waiver or future obligation.

35.7 Court documents relating to a Claim must be served solely in accordance with the procedure governing the selected Toronto court. No email address stated in this Agreement constitutes acceptance of service of court documents unless ApplyAZ expressly agrees in writing after the proceeding is commenced or the court directs otherwise.

35.8 ApplyAZ's failure to answer or repeat an off-Platform message does not admit its contents, approve a request, extend a deadline, or waive a term. The Applicant must use the designated Platform feature or legal@applyaz.com for a contractual, cancellation, complaint, dispute, or legal notice.

36. Intellectual property and permitted use

36.1 ApplyAZ and its licensors retain ownership of the Platform, brand, software, source code, databases, design, internal templates, training content, matching methodology, and other proprietary material.

36.3 The Applicant retains ownership of original content supplied by the Applicant and grants ApplyAZ a limited license to host, format, translate, reproduce, transmit, and otherwise process it as reasonably necessary to provide the Services, comply with law, secure the Platform, and maintain evidence.

38. General provisions

38.1 Entire Agreement. The documents listed in Section 2 constitute the complete and exclusive agreement concerning the Order and replace every prior or contemporaneous discussion, message, presentation, proposal, understanding, and representation concerning that Order.

38.2 No waiver. A delay or failure to exercise a right is not a waiver. A waiver applies only to the specific matter identified in an Authorized Variation Notice or Platform Record approved by an authorized ApplyAZ representative.

38.3 Severability. Each provision operates independently. If one provision is held invalid or unenforceable, that provision is severed or narrowed to the minimum degree necessary and every remaining provision continues in full force. Where part of a provision cannot be enforced, the remaining part continues to apply to the maximum lawful extent.

38.4 Assignment. The Applicant may not assign the Agreement or a Refund entitlement without ApplyAZ’s written consent. ApplyAZ may assign the Agreement to an affiliate, purchaser, successor, or service operator as part of a corporate reorganization, financing, sale, or transfer of business.

38.5 Independent parties. The Agreement does not create employment, partnership, fiduciary, educational-institution, legal-representative, or government-agent status between the parties.

38.6 No general third-party beneficiary. Except for an Applicant, Purchaser, permitted nominee, or a person expressly entitled to enforce a provision of this Agreement, including every ApplyAZ affiliate, director, officer, employee, contractor, consultant, agent, successor, and permitted assign protected by Section 34.3, no other person may enforce the Agreement.

38.7 Headings and examples. Headings and examples aid understanding. An example does not limit the broader wording of a provision unless expressly stated.

38.8 Language. The English version is the authoritative and controlling version of the Agreement. A translation is provided only for convenience and does not amend the English text.

38.9 Survival. Provisions concerning payment, Refunds, privacy, intellectual property, records, liability, indemnity, complaints, and disputes survive termination to the extent necessary to give them effect.

38.10 ApplyAZ complies with the mandatory consumer protections that govern a transaction. Those protections operate with the Agreement and do not expand a promotional Guarantee, change its accepted calculation, or alter another term beyond the specific protection concerned.

38.11 No waiver of mandatory rights. A provision that conflicts with a right or remedy that mandatory law does not permit the parties to exclude is limited only to the extent of that conflict. The remaining provisions and every lawful part of the affected provision continue to apply.

39. Contact details

ApplyAZ Inc.

Corporation Number: 1659714-9

Registered Address: 290 Adelaide Street West, Toronto, Ontario M5V 0P3, Canada

Customer Support: team@applyaz.com

Legal and Compliance: legal@applyaz.com

Website: www.applyaz.com

Schedule 1: Checkout information

The checkout displays and the Platform preserves the Applicant and Purchaser identities, contracting entity, Service Cycle, package, included Services, application count, Approved Preferences, paid stage or Full Bundle, current ApplyAZ Fee, treatment of future unpaid milestone prices, Third-Party Fee responsibility, total payment obligation then known, accepted guarantee terms or confirmation that no Guarantee applies, Covered Guarantee Amount where applicable, required-application condition, Standing Submission Authority where selected, Application Advancement Budget where selected, accepted fee allocation for a covered Full Bundle, material exclusions, cancellation and Refund summary, complaint contact, document version, transaction information accepted at checkout, the recorded treatment of any identified marketing statement, and links to the Agreement.

The Platform records the affirmative acceptances required by Section 3.2, the role attribution required by Section 3.6, the transaction information required by Sections 3.7 and 3.8, and any Standing Submission Authority or Application Advancement Budget. The Platform gives the payer an opportunity to correct material order information before payment.

Where used, the File Continuation Confirmation lists prior completed stages, submitted applications, committed Third-Party Fees, Advancement Expenditures, account allocations, and remaining Services. The Applicant must identify a specific discrepancy before authorizing the next payment or Service.

Where an Integrated Bundle Commitment is selected, the checkout record also displays the Bundle Price, each Milestone Installment and trigger, the five-day payment period, the Late Payment Charge with no contractual percentage cap or fixed maximum, the Early Withdrawal Charge, the post-admission payment consequence and the Schedule 9 acknowledgment. The Applicant and Purchaser accept those terms before first payment.

Schedule 3: Guarantee terms

Before a fee identified as a guarantee fee is collected, the applicable guarantee terms are displayed and accepted for the Order. They state the Guarantee name, Service Cycle, pricing plan, Visa Support Engagement Date where applicable, Guarantee Decision Date, required number of Approved Programs where applicable, Covered Guarantee Amount in currency, Refund calculation, Refund request deadline, Applicant conditions, and material exclusions. An inapplicable field states Not Applicable.

Where the accepted guarantee terms do not state a Visa Support Engagement Date, that date is one hundred and twenty calendar days before the enrolment deadline published by the Approved Program for the relevant Service Cycle.

For a Visa Guarantee, the accepted guarantee terms separately state the Covered Guarantee Amount, the circumstances in which the Refund is payable under Sections 21.7 to 21.11, and the conditions of the Visa Transfer Benefit under Section 21.19.

The Applicant and Purchaser accept the acknowledgments allocated to their recorded roles. The acknowledgments confirm the Refund amount and method, circumstances in which the Guarantee does not pay, material conditions, and the fact that a third-party refusal or non-award is not automatically a Refund event. The role-attributed acceptance record identifies each acceptance.

Schedule 4: Visa financial instruction record

Where the checkout record includes financial-evidence assistance, the Platform may generate an order-specific Visa Financial Instruction Record from information supplied by the Applicant and from third-party information reasonably available at the time. No amount, maintenance period, document format or assumption in another Applicant’s record applies.

The Applicant must enter or confirm the intended consular jurisdiction, visa category, program duration, appointment information, proposed account holder, Sponsor relationship, available funds, source of funds, material deposits, account history and supporting documents. The Applicant is responsible for obtaining current official requirements and regulated advice where required.

The Applicant must also enter or confirm health, medical, or travel insurance meeting the requirements of the relevant mission; apostille, legalization, and sworn or certified translation requirements; any required academic evaluation, verification, or pre-assessment certificate; language proficiency evidence required by the institution or authority; and every prior visa refusal, immigration record, and other requested personal circumstance.

The order-specific record displays any amount, currency, availability date, maintenance or seasoning period, statement period, document format, source-of-funds warning and third-party source then used by ApplyAZ. An unconfirmed item may be marked not confirmed. ApplyAZ does not independently verify a financial fact, lawful source, consular jurisdiction, visa category or continuing third-party requirement unless the checkout record expressly includes that paid Service.

The visa authority is the sole decision-maker. Meeting every item in the record does not guarantee issuance. A requirement may change without notice. The Applicant must continue monitoring official sources and must submit a Platform clarification request before relying on an item the Applicant believes is incorrect.

Applicant acknowledgment: The Applicant confirms that the Applicant supplied or reviewed the information in this record. The Applicant remains responsible for current official requirements, accuracy of financial evidence, lawful source and traceability of funds, Sponsor evidence, consular jurisdiction, and visa category. A refusal caused by noncompliance may be excluded under Sections 21.8 and 21.9. The Platform records the Applicant's affirmative acceptance or written clarification request.

The Applicant remains responsible for insurance compliance, document certification and translation, academic evaluation certificates, language evidence, and full disclosure of prior refusals and immigration history. A refusal caused by noncompliance with any of these items may be excluded under Sections 21.8 and 21.9.

Schedule 6: Full Bundle Fee Allocation and completion evidence

For every Full Bundle carrying an admission guarantee, the checkout record states the fee allocation before payment. Each allocated value is stated in the accepted checkout record before payment. The values add up to the Full Bundle ApplyAZ Fee. A stage that is not included is marked Not Included or assigned a value of zero.

Stage 1: Platform activation and case setup. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires an active paid Order, case record, and onboarding access in the Platform Record.

Stage 2: Eligibility and profile assessment. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires a profile assessment, recorded preferences, and eligibility summary in the Platform Record.

Stage 3: Program research, matching, and shortlist. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires a shortlist of Eligible Recommended Programs in the Platform Record.

Stage 4: Document strategy and application checklist. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires a personalised checklist, document requirements, and action plan in the Platform Record.

Stage 5: CV preparation or substantive revision. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires an ApplyAZ-prepared or substantively revised CV delivered for approval. No value is earned where the Applicant's own CV is used without substantive ApplyAZ work.

Stage 6: Core statement of purpose or motivation letter. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires the completed core statement delivered for approval. Completion also requires the Applicant's recorded approval of the deliverable, or expiry of the Platform review period without an identified inaccuracy or omitted Applicant Profile Fact.

Stage 7: Program-specific document customisation. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires the program-specific statement, form, or supporting document delivered for the identified application. Completion also requires the Applicant's recorded approval of the deliverable, or expiry of the Platform review period without an identified inaccuracy or omitted Applicant Profile Fact.

Stage 8: Application preparation. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires a complete application draft or portal record ready for Applicant approval.

Stage 9: Application submission. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires an institutional submission receipt, submitted portal status, or equivalent source record for each counted application.

Stage 10: Application tracking and institutional coordination. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires the tracking and material institutional coordination stated in the checkout record.

Stage 11: Interview, examination, or assessment support. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires a scheduled preparation session completed or identified preparation materials delivered.

Stage 12: Admission and enrollment support. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires an Admission Success Event and the included post-admission support. This stage has no Earned Service Value where no Admission Success Event occurs.

Stage 13: Scholarship support. The allocated value is the amount stated for this stage in the accepted fee allocation. Completion requires the scholarship-support deliverables identified in the checkout record. No Visa Support Completion Evidence or visa-support partial value may be attributed to Stage 13.

Stage 14: Visa administrative support. The allocated value is the amount stated for this stage in the accepted fee allocation. Stage 14 is complete only where Visa Support Completion Evidence exists in the Platform Record. The first limb is a Schedule 4 Visa Financial Instruction Record issued and accessible to the Applicant. The second limb is the completed application file lodged at the visa application centre or delivered to the Applicant, evidenced by a lodgement receipt or Platform Record. Where only the first limb is satisfied, the partial completion value is the amount stated for that limb in the accepted fee allocation. If no separate amount was stated before payment, no partial completion value is earned. The first limb also requires the Applicant's recorded acceptance of the Visa Financial Instruction Record, or a written clarification request, in the Platform Record.

A stage is complete only where the stated completion evidence or stronger evidence identified in the accepted checkout record exists in the Platform Record.

Schedule 7: Important transaction facts and common dispute outcomes

Acknowledgment 1. Administrative service. ApplyAZ supplies the administrative Services purchased in the checkout record. ApplyAZ does not make university, scholarship, visa, banking, consular, or government decisions. An unfavorable third-party decision does not by itself show that ApplyAZ failed to perform.

Acknowledgment 2. Change of mind and hardship. A change of mind, personal hardship, funding problem, loan refusal, family disagreement, travel change, or decision not to continue does not reverse completed work or create a Refund. Sections 17 and 23 control any Refund or Compassionate Deferral.

Acknowledgment 3. Program consent. ApplyAZ does not submit a program merely because it was discussed or shortlisted. The Applicant's recorded program approval authorizes the identified submission and the disclosed Third-Party Fee. A challenge to consent must satisfy Sections 8.4 and 33.

Acknowledgment 4. Separate milestones. Preparation, submission, institutional progress, selection invitation, admission, enrollment, scholarship support, and visa support are separate stages. An interview or assessment invitation may earn its own milestone without being an admission offer. A later refusal does not reverse an earlier completed stage.

Acknowledgment 5. Dynamic pricing. A paid milestone price does not change. A future unpaid milestone may be priced higher or lower when it becomes available. A Full Bundle Fee paid in full does not increase for the included Full Bundle during the Service Cycle. Sections 14.8 and 14.11 control.

Acknowledgment 6. Third-Party Fees. ApplyAZ Fees pay for ApplyAZ Services. University, visa, embassy, translation, legalization, courier, insurance, tuition, travel, and other Third-Party Fees are separate. A Third-Party Fee already paid or committed is governed by the third party's rules and is not automatically refundable.

Acknowledgment 7. Guarantees. No Admission Guarantee, Deposit Guarantee, Visa Guarantee, or Scholarship Guarantee applies unless it appears in the accepted guarantee terms. A one hundred percent Refund refers only to the Covered Guarantee Amount. Every stated material condition and exclusion continues to apply.

Acknowledgment 8. Outside statements. A consultant or support representative cannot change a price, milestone, Guarantee, Refund rule, or Agreement through an informal message. The Applicant must use the correction process in Section 13 before relying on a conflicting statement.

Acknowledgment 9. Platform evidence. ApplyAZ may evidence work, consent, payment, submission, or a milestone through the records listed in Section 33.5. A customer-facing record may be sufficient without disclosure of internal files or third-party back-office records. A challenge must identify the specific alleged error and supporting evidence.

Acknowledgment 10. Credentials and files. Payment for a Service does not automatically transfer institutional credentials, native files, editable production files, internal drafts, templates, prompts, or internal communications. Sections 12.2, 12.3, 12.6, and 12.8 state what the Applicant may receive.

Acknowledgment 11. Communications. The Applicant must monitor the Platform and official third-party sources. ApplyAZ does not promise repeated reminders, courtesy calls, WhatsApp follow-up, or duplicate notices unless the checkout record or mandatory law requires them. Staff silence does not approve a request or admit an allegation.

Acknowledgment 12. Refund approval. A complaint, withdrawal, chargeback notice, account closure request, or staff statement that a Refund is requested, initiated, expected, escalated, or under review is not a Refund Decision. Sections 17 and 18 govern approval and calculation.

Acknowledgment 13. Delays and capacity. Institutional delay, appointment shortage, portal failure, changed rules, quota, courier delay, bank delay, or other third-party disruption does not automatically create a Refund. Sections 11, 21, and 30 govern those events.

Acknowledgment 14. Visa and scholarship evidence. The Applicant remains responsible for authentic documents, funds, source and seasoning of funds, Sponsor evidence, jurisdiction, visa category, interview answers, deadlines, scholarship financial facts, and continued eligibility. ApplyAZ's administrative support does not guarantee issuance or award.

Acknowledgment 15. Specific disputes. A person disputing an item must identify the transaction, exact entry or statement, alleged error, contractual or legal basis, requested correction, and available evidence. ApplyAZ is not required to infer a claim from a generalized accusation or disprove an unidentified oral statement.

Acknowledgment 16. Mandatory rights. This Schedule explains the agreed transaction facts. It does not exclude a right or remedy that mandatory law does not permit the parties to exclude.

Acknowledgment 17. Alternative evidence. The absence of a particular dashboard entry, screenshot, or receipt does not by itself establish non-performance. ApplyAZ may use a Corroborated Performance Record under Section 33.

Acknowledgment 18. Standing authority and ratification. A Standing Submission Authority may permit submission without a separate recorded program approval. A later Ratification Event may confirm authority for continued administration of an identified application.

Acknowledgment 19. Staff authority. An informal staff statement does not change a price, Guarantee, Refund, milestone, or Service scope. Only an Authorized Variation Notice or Refund Decision has that effect.

Acknowledgment 20. Cure before remedy. The Applicant must identify a remediable deficiency through a Service Cure Notice and allow ApplyAZ a reasonable opportunity to correct it. An immaterial or corrected defect does not reverse unrelated completed work.

Acknowledgment 21. Marketing reconciliation. The Platform record and checkout confirmation state how an identified advertisement, price, Guarantee, or Refund claim applies to the Order.

Acknowledgment 22. ApplyAZ Fees. An ApplyAZ Fee becomes ApplyAZ's property when received. It is not held in trust or traced to a particular provider, application, expense, or Applicant.

Acknowledgment 23. Application Advancement Budget. Where selected, ApplyAZ may decide when, how, through whom, and for which authorized application or category an Advancement Expenditure is made within the recorded scope and limits.

Acknowledgment 24. ApplyAZ Receipt. The ApplyAZ Receipt and Platform ledger are the authoritative customer-facing accounting records. The Applicant does not automatically receive an original or unredacted third-party receipt where the available customer-facing evidence sufficiently identifies the transaction or application.

Acknowledgment 25. Integrated bundle. Where selected in the checkout record, the admission, scholarship and visa Services are one Integrated Bundle Commitment for one Bundle Price. Milestone Installments divide payment timing only.

Acknowledgment 26. Admission trigger. A formal Selection Invitation Event, Admission Success Event or official Institution communication described in Section 5.69 triggers the admission Milestone Installment even if the Applicant later declines the interview, offer or programme.

Acknowledgment 27. Five-day payment rule. Each admission, scholarship and visa Milestone Installment is due within five calendar days after Platform delivery of its trigger notice. A Late Payment Charge of EUR 5.00 per calendar day, or the disclosed order-currency equivalent, begins on the first calendar day after the due date for an overdue undisputed installment. It has no contractual percentage cap or fixed maximum, subject only to mandatory law under Section 15.7.

Acknowledgment 28. Continuation after admission. After an Admission Installment Trigger, a decision not to continue does not cancel the Integrated Bundle Commitment while ApplyAZ remains ready to perform. ApplyAZ may issue a Service-Ready Notice where the Applicant prevents a later trigger.

Acknowledgment 29. Withdrawal protection. An Early Withdrawal Charge is an alternative where mandatory law permits termination of the remaining Bundle Price. ApplyAZ does not recover the terminated remaining price and that charge for the same scope.

Acknowledgment 30. Visa refusals. The visa authority is the sole decision-maker. A refusal on grounds concerning funds, source or seasoning of funds, sponsor evidence, ties, intention to return, credibility, genuineness, documents, certification, translation, insurance, language, category, jurisdiction, appointment, interview conduct, disclosure, or academic record is an excluded ground under Section 21.9 and does not create a Refund. Where a refusal states more than one ground, one excluded ground is sufficient.

Acknowledgment 31. Narrative documents. A CV, statement of purpose, or motivation letter presents the facts the Applicant supplied. ApplyAZ does not create or improve the Applicant's own circumstances. The Applicant approves each document before lodgement and must identify any inaccuracy or omitted fact at that time.

Acknowledgment 32. Transfer benefit. Where a Visa Guarantee is selected and an excluded ground applies, the benefit is the Visa Transfer Benefit. Third-Party Fees are payable again on transfer.

Schedule 8: Application Advancement Budget

The checkout record states whether an Application Advancement Budget applies. If it does not apply, the checkout record states Not Applicable.

The Application Advancement Budget states the total amount, currency, Service Cycle, authorized applications, authorized expenditure categories, any per-item limit, any provider restriction, reallocation authority, and treatment of an unused balance.

The Applicant and Purchaser authorize ApplyAZ to select and make Advancement Expenditures within the accepted scope and limits without separate item-by-item approval. ApplyAZ may use the payment channels, intermediaries, providers, currency conversions, substitutions, and allocations permitted by Section 16.

The ApplyAZ Receipt and Platform ledger record each amount received, allocated, committed, or processed. A Third-Party Fee Verification Request remains available under Section 12.9 for a specific bona fide discrepancy.

Applicant and Purchaser acknowledgment: The Application Advancement Budget is not an ApplyAZ Fee and does not guarantee an outcome. ApplyAZ determines whether an opportunity is suitable and may decline, postpone, replace, or discontinue a proposed expenditure. An unused amount remains subject to Sections 16.4 and 16.13.

Schedule 9: Integrated Bundle Commitment and Milestone Installment Schedule

The checkout record states whether an Integrated Bundle Commitment applies. If it does not apply, the checkout record states Not Applicable and Sections 14.8 and 14.11 govern future unpaid milestone pricing.

Where selected, the checkout record states the Bundle Price and the amount and currency of each admission, scholarship and visa Milestone Installment. The stated amounts add up to the Bundle Price. The checkout record identifies each trigger and the included Services.

The admission Milestone Installment is triggered by the event stated in Section 5.69. The scholarship and visa Milestone Installments are triggered under Sections 5.70 and 5.71 or by a Service-Ready Notice under Section 14.18.

Each Milestone Installment is due within five calendar days after Platform delivery of the applicable notice. The Late Payment Charge is EUR 5.00 per calendar day or the order-currency equivalent disclosed before first payment. It begins on the first calendar day after the due date for an overdue undisputed installment. It has no contractual percentage cap or fixed maximum and continues to accrue as stated in Section 15.7.

The Applicant and Purchaser acknowledge that ApplyAZ undertakes substantial admission work and reserves later scholarship and visa capacity in reliance on the Integrated Bundle Commitment. The installment structure makes payment easier. It does not convert the integrated product into optional stage-by-stage purchases.

After an Admission Installment Trigger, the Applicant must continue reasonable cooperation for the remaining included Services. A voluntary decision not to use those Services does not cancel the remaining payment schedule while ApplyAZ remains ready and willing to perform.

Applicant and Purchaser acknowledgment: The Applicant and Purchaser accept the Bundle Price, each Milestone Installment, each trigger, the five-calendar-day payment deadline, the Late Payment Charge with no contractual percentage cap or fixed maximum, the continuation obligation, the withdrawal consequences and the fact that Third-Party Fees remain separate.

End of Agreement

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ApplyAZ Inc.

290 Adelaide Street West, Toronto, Ontario M5V 0P3, Canada

Version Identifier: AZ-TC-2.0

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