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Important: This Master Terms and Conditions document (the “Master Terms”) constitutes a comprehensive legal framework regulating every interaction with ApplyAZ Inc. (“ApplyAZ,” “we,” “us,” “our”). It combines corporate‑grade risk controls, multi‑jurisdictional compliance provisions, service‑level obligations, and product‑specific schedules into one cohesive instrument. Your continued use of the ApplyAZ Platform signifies irrevocable acceptance of these Master Terms in their entirety.

PART I – DEFINITIONS, CONTRACT STACK & ACCEPTANCE

1. Definitions
Capitalised terms have the meanings described in Schedule A – Glossary & Interpretation Rules. For readability, certain key terms are reproduced below:

Category

Examples

Access Credentials

Unique user IDs, passwords, tokens, API keys, or other credentials issued by ApplyAZ or its vendors.

Agreement

Collectively, these Master Terms, all Product Schedules, Regional Addenda, Policies, and any Signed Agreement or Order Form referencing ApplyAZ.

ApplyAZ Platform

All ApplyAZ‑owned or‑operated websites (including applyaz.com), sub‑domains, progressive web apps, mobile applications, APIs, partner portals, and back‑office tools, together with all Content and Services provided therefrom.

Services

The EdTech and concierge services described in Part III below, including application preparation, scholarship advisory, visa‑readiness, document notarisation, and ongoing student‑success monitoring.

A complete dictionary, acronym list, and contract‑interpretation canon are in Schedule A.

2.1 Contract Stack & Precedence

2.1 Contract Stack & Precedence
Hierarchy. In the event of conflict, the following order of precedence applies, highest to lowest:

Signed Agreement executed by an authorised ApplyAZ officer;
Product‑specific Schedules (e.g., “Installment Plan,” “Visa Advisory,” “Scholarship Guarantee”);
Regional Addenda mandated by local law (e.g., GDPR Addendum, FERPA Addendum, PDPA Addendum for Singapore);
These Master Terms;

2.2 Integration
The Contract Stack constitutes the entire agreement between you and ApplyAZ, superseding all prior proposals, negotiations, and communications.

3. Acceptance & Electronic Signature

3.1 Modes of Acceptance
By (a) clicking “Accept”, “Agree”, or similar, (b) executing an Order Form, (c) submitting an online application, or (d) using any part of the ApplyAZ Platform after publication of these Master Terms, you (“User,” “you,” “your”) bind yourself (and any entity you represent) to the Contract Stack. Electronic signatures and click‑wrap acceptances are enforceable pursuant to the Uniform Electronic Commerce Act (Canada), E‑SIGN Act (U.S.), and equivalent statutes worldwide.

3.2 No Authority / Disagreement
If you lack authority to bind an entity or do not agree with the Contract Stack, discontinue use immediately.

PART II – CORPORATE GOVERNANCE & COMPLIANCE

4- Sanctions, Export Controls & AML Compliance

Italian publSanctions Screening. ApplyAZ complies with sanctions administered by Global Affairs Canada, OFAC (U.S.), HM Treasury (UK), the EU Sanctions Directorate, and the United Nations. Access is barred to any Restricted Person. We may deactivate accounts or freeze funds without notice to comply with sanctions law.ic universities & scholarship bodies – to submit your applications.
Export Controls. The ApplyAZ Platform may contain cryptographic modules subject to Canadian, U.S., and EU export regulations. You represent that you are not located in, under control of, or a national or resident of any country to which export is prohibited.
AML & CTF. ApplyAZ operates an Anti‑Money‑Laundering and Counter‑Terrorist‑Financing Program modelled on FATF 40 + 9 Recommendations. Transactions may be screened, and suspicious activity may be reported to FINTRAC or other competent authorities.

 5- Corporate Responsibility & Ethics

Anti‑Corruption. ApplyAZ prohibits bribery in all forms. Users must comply with the Corruption of Foreign Public Officials Act (Canada), U.S. FCPA, UK Bribery Act, and analogous laws.
Modern Slavery. ApplyAZ maintains a zero‑tolerance policy for forced labour and human trafficking. Partners must certify compliance annually.
Diversity & Inclusion. ApplyAZ is committed to equal opportunity. Hate speech, discrimination, or harassment on the Platform constitutes a material breach.

PART III – KEY SERVICES & SERVICE‑LEVEL OBJECTIVES (SLO)

6- Core Service Catalogue

Eligibility & Profile Building – AI‑driven assessment of academic records and financial capacity.
Document Concierge – CV and Statement‑of‑Purpose editing, notarisation, certified translations.
Application Assembly & Submission – Multi‑university application packaging, deadline tracking.
Scholarship Maximiser – DSU/Regional scholarship dossier preparation, income‑declaration guidance.
Visa Readiness – Checklists, mock interviews, appointment scheduling, biometrics guidance.
Post‑Arrival Support – Housing resources, banking setup guidance, permit renewals (subject to Schedule J).

7- Service‑Level Objectives

Metric

Target

Platform Uptime

99.5 % monthly uptime measured at the CDN edge (Schedule H)

Ticket Response

24‑hour first response for Level 1 tickets; 8‑hour response for urgent visa‑deadline tickets

Document Turn‑Around

3 business‑day redline for SOP/CV packages under 1 000 words

PART IV – DATA GOVERNANCE & PRIVACY

Purpose

Typical Legal Basis

Key Data Categories

Identity Data

Passport, national ID, selfie‑verification video

10 years from account closure

Academic Data

Transcripts, diplomas, recommendation letters

10 years

Financial Data

Bank statements, tax returns, DSU forms

7 years

Behavioural Data

Click‑stream, cookies, heat‑maps

2 years

Communications

Emails, tickets, call recordings

5 years

Retention may be extended to comply with legal holds or regulatory requirements.

9- Cross‑Border Transfers & Standard Contractual Clauses ("SCCs") Where GDPR applies, ApplyAZ relies on the European Commission SCCs for transfers to non‑adequate jurisdictions. Copies are available upon request (subject to redactions).

10- User Rights Subject to verification, Users may exercise data‑subject rights—access, rectification, erasure, restriction, portability, and objection—by emailing privacy@applyaz.com.

PART V – FINANCIAL TERMS & REFUNDS (Dynamic Pricing)

Confidential Commercial Information – ApplyAZ adopts a Dynamic Installment Framework. All fee amounts are variable and may be adjusted from time to time to reflect market conditions, scope of work, third‑party cost fluctuations, or promotional campaigns. No specific euro figures are disclosed in these public‑facing Master Terms. The definitive fee applicable to you is the amount displayed at checkout and confirmed on your payment receipt.

11- Milestone‑Based Fee Structure

Milestone

Fee (Dynamic)

Trigger for Next Invoice

Reserve Seat & Eligibility Build

Amount displayed at checkout

N/A (payable upfront)

Delivery of ≥ 1 Admission Offer

Amount displayed in dashboard

Acceptance of offer by User

Scholarship Application Package Filed

Amount displayed in dashboard

Proof of scholarship submission

Visa Approval & Pre‑Departure Pack

Amount displayed in dashboard

Issuance of D‑type visa

11.1 Bundled Payment Option 

Users may elect to pre‑pay all phases in one lump sum and receive a discretionary discount. The bundled price, if offered, is the aggregate amount shown at the time of purchase. Discounts are revocable until payment is settled.

11.2 Dynamic Pricing Principles

Snapshot Lock‑In. Your phase fee is locked once payment is processed for that phase and will not be retroactively adjusted.  
Market Calibration. ApplyAZ reserves the right to update indicative fees without notice.  
Transparent Display. All payable amounts, taxes, and any surcharges are presented to you before you confirm payment.

12- Refund Eligibility & Calculation

Performance‑Based Refunds. Where refund rights exist (e.g., no admission delivered, service failures), ApplyAZ will reimburse exactly the amount you paid for the applicable phase, less any "Pass‑Through Charges" defined below.
Pass‑Through Charges (Always Non‑Refundable).
Refund Flowchart. Schedule B‑4 illustrates refund eligibility windows, pause conditions, and dispute‑resolution steps.

Category

Typical Examples

Rationale

University Processing Fees

Program‑application fees, credential‑evaluation surcharges

Remitted to the university on submission—outside ApplyAZ’s control

Exam Reservations & Testing

IMAT booking, TOLC‑I/TOLC‑F registration, IELTS/TOEFL slots

Paid to independent testing bodies; non‑reversible once booked

Credential & Document Services

Certified translations, legalisations, apostilles, courier postage, digital notarisation

Costs incurred immediately when ordered

Government or Platform Charges

Visa‑portal user fees, payment‑gateway surcharges

Levied by third parties and non‑recoverable

PART VI – PLATFORM USE, LICENCE & ACCEPTABLE USE POLICY

13- Licence Grant ApplyAZ grants you a limited, revocable, non‑exclusive, non‑sublicensable licence to access and use the Platform strictly for bona fide educational‑application and scholarship‑pursuit purposes

14- Acceptable Use Policy Highlights

No reverse engineering, decompiling, or hacking. 
No scraping, text‑and‑data mining, or mass harvesting. 
No posting of deceptive or fraudulent documents. 
No unlicensed immigration advice where prohibited. 
No harassment, discrimination, or hate speech.

Violations may result in account termination, legal action, and reporting to authorities.

PART VII – INTELLECTUAL PROPERTY & FEEDBACK

15- Ownership ApplyAZ and its licensors own all intellectual‑property rights in the Platform, Content, and AI models. No rights are granted except as explicitly provided.

16- Feedback Licence You hereby grant ApplyAZ an irrevocable, perpetual, royalty‑free, worldwide licence to use, reproduce, adapt, publish, translate, create derivative works from, and sub‑license your Feedback for any purpose.

PART VIII – REPRESENTATIONS, WARRANTIES, DISCLAIMERS & LIABILITY

17 -User Representations (Expanded)

User is at least 18 years old (or has guardian consent) and legally capable of signing contracts. 
Documents uploaded are authentic and unaltered; falsification constitutes a material breach and potential criminal offence.

18 ApplyAZ Disclaimers (Expanded)

No University‑Affiliation Guarantee. Display of university logos, president photos, or other imagery is illustrative and does not signify formal partnership unless expressly stated. 
No Scholarship Guarantee. While ApplyAZ maximises scholarship probability, award decisions rest with regional bodies.
Force‑Majeure. ApplyAZ is not responsible for disruptions caused by pandemics, strikes, internet outages, or governmental actions.

19- Limitation of Liability (Enhanced)

Cumulative liability is capped at the lesser of € 500 or the total fees paid by you in the preceding 12 months.
Indirect, punitive, or special damages are excluded.
Beta features are provided “AS IS” with zero liability.

PART IX – INDEMNIFICATION & INSURANCE

 20- Indemnification by Users You agree to defend, indemnify, and hold harmless ApplyAZ and its directors, officers, employees, affiliates, successors, and assigns against any claims, damages, fines, penalties, or expenses arising from (a) your breach, (b) your data, (c) your misconduct, or (d) disputes between you and any third party.

 21- Professional Liability Insurance ApplyAZ maintains professional liability (E&O) insurance with coverage of CAD 5 million per occurrence. This does not create any beneficiary rights for Users and is subject to policy exclusions.

PART X – TERM, TERMINATION & SUSPENSION

22 Term The Agreement commences upon acceptance and continues until terminated by either Party under Section 23.

23 Termination & Suspension

For Convenience. Either Party may terminate on 30 days’ written notice.
For Cause. Immediate termination by ApplyAZ for (a) non‑payment, (b) sanctions listing, (c) AML suspicion, (d) material breach, or (e) fraudulent documents.
Suspension. ApplyAZ may suspend access to mitigate risk or comply with law.

 24 Effects of Termination

Outstanding fees become due. 
User licence terminates; User must delete Confidential Information.
ApplyAZ will retain User data per the retention schedule for legal compliance; limited‑access copies are available upon request (administrative fee applies).

PART XI – DISPUTE RESOLUTION & GOVERNING LAW

25- Multi‑Tier Dispute Resolution Negotiation (14 days) → Mediation (optional) → ICC Arbitration (Toronto, English language, one arbitrator, expedited rules for claims under € 250 000).

26- Class‑Action & Jury‑Trial Waiver Users waive any right to a jury trial or participation in class, collective, or representative actions.

27- Governing Law Ontario law governs, without regard to conflict‑of‑law principles; federal laws of Canada apply where applicable.

PART XII – MISCELLANEOUS

28- Assignment & Sub‑Contracting ApplyAZ may assign or subcontract obligations; ApplyAZ remains liable for subcontractor performance.

 29- Audit Rights ApplyAZ may audit Recruitment Partners for compliance with anti‑fraud policies. Reasonable notice (5 business days) will be provided where legally permissible.

30- Marketing Release User grants ApplyAZ permission to display anonymised success metrics and testimonials unless User opts out via written notice.

31- Non‑Disparagement User agrees not to publish or communicate defamatory statements about ApplyAZ; constructive feedback via private channels is encouraged.

 32- Severability & Survival

Invalid provisions will be severed; remaining provisions stay effective.
Sections on IP, Confidentiality, Indemnity, Limitations, and Dispute Resolution survive termination.

33- Notices

Legal Service Address: ApplyAZ Inc., 290 Adelaide Street West, Suite 200, Toronto, ON M5V 1P6, Canada.
Primary Contact Email: info@applyaz.com (for legal, privacy, and support).

34- Entire Agreement & Amendment The Contract Stack is the complete agreement. ApplyAZ may amend these Master Terms by posting an updated version. Material amendments take effect 30 days after notice.

13 | Changes to This Policy

We may update this Policy to reflect changes in law or our practices. Material changes will be notified by email or in-app notice. Your continued use after the effective date constitutes acceptance.

14 | Contact Us

ApplyAZ Inc.

290 Adelaide St W,

Toronto, ON M5V 1P6, Canada

Email: info@applyaz.com

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