Refund Policy

Welcome to the official Refund Policy of JZ ADVISORY GROUP ("Company," "we," "us," or "our"), a legally registered limited liability company in the State of California, operating under Employer Identification Number (EIN) 88-0917956, with its principal place of business at 3100 NE 48TH STREET 117 FORT LAUDERDALE, FL 33308. Since our founding in 2013 by Hiroshi Tanaka, we have been committed to delivering exceptional custom iOS and Android mobile application development services to clients worldwide.

This Refund Policy ("Policy") governs all financial transactions between JZ ADVISORY GROUP and its clients ("Client," "you," or "your") in connection with custom mobile app development services, including but not limited to: project scoping and consultation, UI/UX design, front-end and back-end development, quality assurance and testing, deployment, and post-launch support. This Policy is incorporated into and forms an integral part of the Master Service Agreement and/or Statement of Work executed between the parties.

At JZ ADVISORY GROUP, we understand that investing in custom software development is a significant business decision. We are fully committed to ensuring that every client receives outstanding value, transparent communication, and professional service throughout the entire engagement. Our refund policy is designed to be fair, transparent, and compliant with the consumer protection laws of the State of California and applicable federal regulations, including the Federal Trade Commission (FTC) guidelines on refund practices.

This Policy applies to all services contracted on or after January 1, 2025. For contracts executed prior to this date, the refund terms specified in the original agreement shall apply unless both parties agree in writing to adopt this updated Policy. JZ ADVISORY GROUP reserves the right to update this Policy at any time; however, any changes will not retroactively affect existing contracts without written mutual consent.

Refund eligibility at JZ ADVISORY GROUP is determined on a case-by-case basis, taking into account the specific phase of the project, the amount of work completed, the resources allocated, and the terms outlined in your individual service agreement. We evaluate every refund request thoroughly and fairly to ensure equitable outcomes for both the client and our team.

To be eligible for a refund of any kind, the following general conditions must be met:

• You must have a valid, signed service agreement (Master Service Agreement, Statement of Work, or Project Proposal) with JZ ADVISORY GROUP that is currently in effect or was in effect at the time the services were rendered.
• Payment must have been made through an approved payment method (bank wire transfer, ACH payment, credit card via our secure payment portal, or check). Cash payments and cryptocurrency transactions are not eligible for refunds.
• The refund request must be submitted in writing via email to [email protected] by the authorized signatory on the service agreement or a designated contact person identified in the agreement.
• All project materials, credentials, and intellectual property belonging to JZ ADVISORY GROUP must be returned or confirmed as deleted before a refund can be processed.
• There must be no outstanding invoices, penalties, or amounts owed to JZ ADVISORY GROUP at the time the refund request is submitted.

Eligibility is also dependent on the project stage at the time of cancellation. The following table provides a high-level overview of refund eligibility by project phase. Detailed terms for each phase are covered in subsequent sections of this Policy.

Please note that the determination of which project phase applies is based on our internal project management records, milestone completion reports, and documented deliverables. If there is a disagreement regarding the project phase, we will work collaboratively with you to reach a fair assessment.

JZ ADVISORY GROUP provides a 48-hour cooling-off period following the execution of a service agreement and receipt of the initial deposit or payment. This cooling-off period is designed to give you adequate time to review the terms of the agreement, consult with stakeholders, and confirm your decision to proceed with the project. This period aligns with and exceeds the consumer protection standards established under California Civil Code Section 1689.5 and the FTC's Cooling-Off Rule where applicable.

During the 48-hour cooling-off period: If you notify us in writing within 48 hours of making your initial payment that you wish to cancel the project, you are entitled to a full refund of the amount paid, minus a 5% processing fee. The processing fee covers administrative costs associated with contract processing, payment gateway transaction fees, and resource pre-allocation. This refund is issued regardless of the reason for cancellation, and no justification is required.

Cancellation after 48 hours but before project start: If you cancel after the 48-hour cooling-off period but before any substantive work has begun on your project (i.e., before the kick-off meeting or discovery phase has commenced), you are still eligible for a full refund minus the 5% processing fee, provided that no resources have been allocated, no third-party services have been procured, and no preliminary work has been performed on your behalf. If preliminary activities have already occurred (such as team assignment, tool licensing, or initial research), reasonable costs for those activities will be deducted from your refund.

To initiate a cancellation before project start, please send a written cancellation notice to [email protected] with the subject line: "Project Cancellation Request — [Your Project Name]." Include your full name, company name, project reference number, and the date of your original payment. A member of our client services team will acknowledge receipt within one (1) business day and provide a detailed refund calculation within three (3) business days.

If you decide to cancel your project after development work has commenced, JZ ADVISORY GROUP operates on a prorated billing model. This means that you will be billed only for the work that has been completed up to the date of cancellation, and any remaining prepaid balance will be refunded to you. Our prorated billing model is designed to be transparent and equitable, ensuring that you pay only for the value you have received.

The calculation of completed work is based on our milestone-driven development methodology. Each project is divided into clearly defined milestones (e.g., Discovery & Requirements, Wireframes & UI Design, Front-End Development, Back-End Development, API Integration, Testing & QA, Deployment). The percentage of project completion is determined by the number and scope of milestones completed relative to the total project plan as documented in the Statement of Work.

How the prorated refund is calculated:

1. Milestone Assessment: Your project manager will prepare a comprehensive project status report detailing all completed milestones, milestones in progress, and milestones not yet started. This report will include time logs, deliverables produced, and resource utilization records.
2. Cost Calculation: The total cost of completed work is calculated based on the agreed-upon milestone pricing in your Statement of Work. For milestones that are partially completed at the time of cancellation, we will calculate a fair pro-rata charge based on the percentage of that milestone completed, as evidenced by documented deliverables and time records.
3. Third-Party Costs: Any non-recoverable costs already incurred for third-party services (such as API licenses, cloud infrastructure provisioning, stock assets, or testing device procurement) will be deducted from the refundable amount.
4. Refund Issuance: The remaining balance, after deducting the cost of completed work and non-recoverable third-party costs, will be refunded to you within 14 business days from the date of confirmed cancellation.

We strongly encourage clients to discuss their concerns with their project manager before making a final decision to cancel. In many cases, we can adjust project scope, timeline, or budget to address concerns without requiring full project cancellation. Our goal is always to find a solution that works for both parties.

Once the final project deliverables have been submitted to you and you have formally approved the delivery (either through written sign-off, email confirmation, or by allowing the acceptance period defined in your agreement to lapse without objection), the project is considered complete, and refunds are generally not available. This is consistent with standard industry practices for custom software development, where the delivered product is specifically tailored to the client's requirements and cannot be resold or repurposed.

Formal delivery approval occurs when any of the following conditions are met: (a) you sign a project completion certificate or acceptance form; (b) you send written confirmation (email or letter) acknowledging receipt and acceptance of final deliverables; (c) the contractual acceptance review period (typically 10 business days from delivery) expires without written objection; or (d) you begin actively using the delivered application in a production environment.

Material Failure Resolution: While refunds are not available after approved delivery, JZ ADVISORY GROUP is committed to delivering a product that meets the agreed-upon specifications. If, within the 30-day warranty period following delivery (see Section 12), you identify a material failure — defined as a significant bug, defect, or deviation from the documented project requirements that prevents the application from functioning as specified — we will resolve the issue at no additional cost. Material failures include, but are not limited to:

• Critical application crashes or errors that prevent core functionality from operating as specified in the requirements document.
• Security vulnerabilities that were within the scope of the agreed-upon security requirements and were not present in the approved specifications.
• Data integrity issues, including data loss, corruption, or incorrect data handling that deviates from the documented data architecture.
• Significant performance degradation that falls below the benchmarks established and agreed upon in the project specifications (e.g., load times, API response times).

Certain costs associated with your project are non-refundable under any circumstances, regardless of the reason for cancellation or the stage at which cancellation occurs. These are typically costs that have been paid to third-party providers on your behalf and cannot be recovered, or fees that represent non-reversible administrative actions. By agreeing to the service contract, you acknowledge and accept that the following items are excluded from any refund calculation:

• Third-Party Software Licenses: Any software licenses, SDKs, APIs, or plugins purchased specifically for your project (e.g., mapping APIs, payment gateway integrations, analytics platforms, push notification services). These are typically licensed to your account and are non-transferable and non-refundable.
• App Store Fees: Apple App Store developer account fees ($99/year), Google Play Console developer registration fees ($25 one-time), and any costs associated with app review expediting or compliance submissions to either platform.
• Domain Name Registrations: Any domain names registered on your behalf, including custom domains for APIs, landing pages, or web applications associated with the mobile app project.
• Hosting & Cloud Infrastructure: Costs incurred for cloud hosting services (AWS, Google Cloud, Azure, Firebase, or other providers), server provisioning, database setup, CDN configuration, and SSL certificates that have already been activated for your project.
• Rush Fees & Expedite Surcharges: If you requested accelerated development timelines and paid a rush fee or expedite surcharge, these fees are non-refundable regardless of whether the project is completed, cancelled, or modified, as they compensate for the reallocation of team resources and overtime labor.
• Stock Assets & Digital Media: Licensed stock photography, illustrations, icons, fonts, video assets, or audio files purchased specifically for your project from providers such as Shutterstock, Adobe Stock, Envato, or similar marketplaces.
• Consultation & Discovery Fees: If your agreement includes a separately billed consultation or discovery phase (technical feasibility analysis, market research, competitive audit, or UX research), fees for completed consultation or discovery work are non-refundable.
• Payment Processing Fees: Transaction fees charged by payment processors (credit card processing fees, wire transfer fees, PayPal fees) are non-refundable, as these are charged by the financial institution and are outside of JZ ADVISORY GROUP LLC's control.

JZ ADVISORY GROUP LLC will provide a detailed, itemized breakdown of all non-refundable costs as part of the refund calculation. If you disagree with any line item, you may request supporting documentation (receipts, invoices from third-party providers, time logs) for verification purposes. We maintain comprehensive records of all third-party expenditures for full transparency.

In cases where a third-party provider offers a partial refund or credit for unused services, JZ ADVISORY GROUP LLC will make reasonable efforts to obtain such refund or credit and pass the recovered amount to you, minus any administrative costs incurred in the recovery process.

JZ ADVISORY GROUP LLC has established a clear, structured refund request process to ensure that every request is handled efficiently, fairly, and in a timely manner. Please follow the steps outlined below to submit a refund request. Failure to follow this process may result in delays in processing your request.

Step-by-Step Refund Request Process:

1. Contact Your Project Manager: Before submitting a formal refund request, we strongly recommend discussing your concerns with your assigned project manager. In many cases, issues can be resolved through scope adjustments, timeline modifications, or additional revisions without requiring a refund. Your project manager can be reached through the communication channel established for your project (email, Slack, or project management platform).
2. Submit a Written Refund Request: If after consulting with your project manager you still wish to proceed with a refund, send an email to [email protected] with the subject line: "Refund Request — [Your Project Name / Reference Number]." Your email must include: (a) your full legal name and company name, (b) the project name and reference number, (c) the date of the original agreement and first payment, (d) the total amount paid to date, (e) a detailed explanation of the reason for the refund request, and (f) your preferred refund payment method (original payment method is used by default).
3. Acknowledgment of Receipt: Within one (1) business day of receiving your refund request, our client services team will send a written acknowledgment confirming receipt and assigning a refund case number for tracking purposes. You should retain this case number for all future correspondence regarding your refund.
4. Review & Assessment: Our project accounting team will conduct a thorough review of your project, including milestone completion status, costs incurred, third-party expenditures, and the terms of your specific agreement. This review typically takes 5 to 7 business days. During this period, we may contact you for additional information or clarification if needed.
5. Refund Decision & Calculation: Within 10 business days of receiving your request, we will issue a formal refund decision letter via email. This letter will include: (a) the decision (approved, partially approved, or denied), (b) a detailed calculation showing the refund amount, (c) an itemized list of any deductions (completed work, non-refundable items, processing fees), and (d) the expected timeline for fund transfer.
6. Acceptance or Appeal: You will have 10 business days from the date of the refund decision letter to accept the proposed refund amount or submit a written appeal with supporting documentation if you disagree with the calculation. If no response is received within 10 business days, the proposed refund amount will be considered accepted.
7. Refund Issuance: Upon acceptance (or after the appeal process concludes), the refund will be processed and issued to the original payment method within the timeline specified in Section 8 of this Policy.

JZ ADVISORY GROUP LLC is committed to processing approved refunds as quickly as possible. However, refund processing times vary depending on the original payment method used, the complexity of the refund calculation, and external financial institution processing times that are beyond our control. Below is a detailed breakdown of expected processing timelines:

All processing times above begin from the date the refund is formally approved and accepted (not from the date the request is submitted). Business days are defined as Monday through Friday, excluding federal holidays and California state holidays observed by JZ ADVISORY GROUP LLC.

If you have not received your refund within the maximum timeframe listed above, please contact us at [email protected] or call +1 305 860 7770 with your refund case number. We will investigate the status of the transaction with our payment processor and provide you with a status update within two (2) business days.

Currency & Exchange Rates: All refunds are issued in U.S. Dollars (USD), which is the currency in which all JZ ADVISORY GROUP LLC invoices are denominated. If the original payment was made in a foreign currency, the refund will be issued in USD, and any currency conversion differences resulting from exchange rate fluctuations between the date of payment and the date of refund are the responsibility of the client. JZ ADVISORY GROUP LLC does not compensate for exchange rate gains or losses.

In many cancellation scenarios, a partial refund is the appropriate resolution, particularly when work has already been performed and value has been delivered to the client. Partial refunds ensure that JZ ADVISORY GROUP LLC is fairly compensated for work completed, while clients receive a return of funds for work not yet performed. The following situations commonly result in partial refunds:

• Mid-Project Cancellation: When you cancel a project that is in progress, a partial refund reflecting the difference between the total amount paid and the cost of completed work (including non-refundable items) will be issued. See Section 4 for detailed calculation methodology.
• Scope Reduction: If you request a reduction in project scope (removing features, simplifying designs, or eliminating planned phases), and the scope reduction occurs after work on the removed items has not yet begun, a partial refund for the difference in project value may be issued at JZ ADVISORY GROUP LLC's discretion.
• Mutual Agreement: In rare cases where both parties agree that continuing the project is not in the best interest of either party (e.g., due to unforeseen technical constraints, market changes, or strategic pivots), a partial refund may be negotiated as part of a mutual termination agreement.
• Service Level Deficiency: If JZ ADVISORY GROUP LLC fails to meet agreed-upon service level commitments (such as milestone delivery deadlines, communication response times, or resource availability), and the deficiency is documented and acknowledged, a partial refund or credit toward future services may be offered as a goodwill gesture.

All partial refund calculations are based on documented project records, including time tracking logs, milestone completion certificates, deliverable inventories, and third-party expense receipts. JZ ADVISORY GROUP LLC will provide a transparent, itemized breakdown of the refund calculation for your review. You may request supporting documentation for any line item in the calculation.

JZ ADVISORY GROUP LLC is committed to resolving all disputes amicably and in good faith. We believe that open communication and mutual respect are the foundation of successful conflict resolution. If you are dissatisfied with a refund decision, please follow the escalation procedure outlined below before pursuing formal dispute resolution.

Escalation Procedure:

1. Project Manager Review (Level 1): Discuss your concerns directly with your assigned project manager. Most issues can be resolved at this level through clarification, additional revisions, or scope adjustments. Your project manager will respond within two (2) business days.
2. Client Services Director Review (Level 2): If the issue is not resolved at Level 1, you may request an escalation to the Client Services Director by emailing [email protected] with "Escalation Request" in the subject line. The Client Services Director will review all relevant documentation and provide a written response within five (5) business days.
3. Executive Review (Level 3): If the issue remains unresolved, you may request a final internal review by JZ ADVISORY GROUP LLC's executive leadership team. This review will consider all facts, documentation, and previous correspondence, and a final decision will be communicated within ten (10) business days.

Mediation: If the internal escalation process does not result in a satisfactory resolution, either party may initiate non-binding mediation. Mediation will be conducted by a mutually agreed-upon professional mediator in 3100 NE 48TH STREET 117 FORT LAUDERDALE, FL 33308. The costs of mediation (mediator fees, venue rental) will be shared equally between the parties, and each party will bear its own legal and travel costs. Mediation must be initiated within sixty (60) days of the final internal decision.

Binding Arbitration: If mediation is unsuccessful or if mediation is not initiated within the specified timeframe, any remaining dispute shall be resolved through binding arbitration conducted in 3100 NE 48TH STREET 117 FORT LAUDERDALE, FL 33308, in accordance with the rules of the American Arbitration Association (AAA) governing commercial disputes. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. The prevailing party in arbitration shall be entitled to recover reasonable attorneys' fees and costs from the non-prevailing party.

Small Claims Court: Notwithstanding the arbitration provision above, either party retains the right to bring individual claims in small claims court in 3100 NE 48TH STREET 117 FORT LAUDERDALE, FL 33308, provided the claim falls within the court's jurisdictional limits. Class action waiver: both parties agree that any disputes will be resolved on an individual basis and not as part of a class, collective, or representative action.

JZ ADVISORY GROUP LLC strongly discourages clients from initiating chargebacks (also known as payment reversals or payment disputes) with their bank or credit card issuer without first attempting to resolve the issue directly with JZ ADVISORY GROUP LLC through the refund request process described in Section 7 and the dispute resolution process described in Section 10. Chargebacks should be a last resort, reserved for cases of genuine unauthorized transactions or fraud.

Consequences of unauthorized chargebacks: If a client initiates a chargeback without first contacting JZ ADVISORY GROUP LLC and attempting to resolve the issue in good faith, the following consequences may apply:

• Immediate Work Suspension: All active project work, including development, design, testing, and support services, will be immediately suspended pending resolution of the chargeback. JZ ADVISORY GROUP LLC is under no obligation to continue providing services while a payment dispute is pending.
• Access Revocation: Access to staging servers, development environments, project management tools, code repositories, and any shared resources may be temporarily revoked until the chargeback is resolved.
• Chargeback Defense: JZ ADVISORY GROUP LLC will exercise its right to dispute the chargeback with the payment processor by providing comprehensive documentation of the services rendered, including signed agreements, milestone completion records, deliverable logs, communication records, and any other relevant evidence.
• Administrative Fee: If a chargeback is found to be unjustified (i.e., the chargeback is reversed in JZ ADVISORY GROUP LLC's favor), a $250 administrative fee will be assessed to cover the costs of responding to the chargeback, including payment processor dispute fees, staff time, and documentation preparation.
• Account Termination: Repeated or fraudulent chargeback activity may result in the permanent termination of your account, cancellation of all active agreements, and referral to collections agencies for any outstanding amounts owed.

Legitimate Chargebacks: JZ ADVISORY GROUP LLC fully supports your right to dispute genuinely unauthorized transactions. If you believe that a charge was made to your account without your authorization, or that your payment information was used fraudulently, please notify both your financial institution and JZ ADVISORY GROUP LLC immediately. We will cooperate fully with any fraud investigation and take appropriate steps to secure your account.

JZ ADVISORY GROUP LLC stands behind the quality of our work with a comprehensive 30-day Satisfaction Guarantee and Warranty on all delivered projects. This warranty demonstrates our confidence in the caliber of our development services and our commitment to ensuring that every client receives a product that meets the agreed-upon specifications and quality standards.

Warranty Coverage (30 Calendar Days from Final Delivery):

• Bug Fixes: Any software bugs, defects, or errors in the delivered application that deviate from the documented project requirements and specifications will be resolved at no additional cost. This includes logic errors, UI rendering issues, data handling problems, and integration failures that were within the original project scope.
• Performance Optimization: If the delivered application does not meet the performance benchmarks agreed upon in the project specifications (e.g., load times, API response times, memory usage), we will optimize the application to meet those benchmarks at no extra charge.
• Design Consistency: Minor design inconsistencies, alignment issues, or visual discrepancies between the delivered application and the approved design mockups/prototypes will be corrected at no cost.
• Cross-Device Compatibility: If the application was specified to support certain devices, screen sizes, or operating system versions, and the delivered application does not function correctly on those specified targets, we will resolve the compatibility issues at no additional cost.

Warranty Exclusions: The 30-day warranty does not cover the following:

• Issues caused by modifications made by the client or third parties after delivery, including code changes, server configuration changes, or database modifications not performed by JZ ADVISORY GROUP LLC.
• Compatibility issues arising from operating system or device firmware updates released after the project delivery date that introduce breaking changes to platform APIs or rendering engines.
• Issues related to third-party services, APIs, or infrastructure that are outside of JZ ADVISORY GROUP LLC's control (e.g., a third-party payment gateway changing their API, a cloud provider experiencing an outage).
• New feature requests, design changes, or functionality additions that were not included in the original project specifications.
• Issues arising from the client's failure to follow documented usage guidelines, deployment instructions, or maintenance procedures provided by JZ ADVISORY GROUP LLC.

To make a warranty claim, email [email protected] with the subject line: "Warranty Claim — [Your Project Name]." Include a detailed description of the issue, steps to reproduce it, screenshots or screen recordings (if applicable), and the device/OS version on which the issue occurs. Our team will acknowledge receipt within one (1) business day and begin investigating the issue immediately, with an estimated resolution timeline provided within three (3) business days.

JZ ADVISORY GROUP LLC recognizes that unusual or unforeseen circumstances may arise that are not explicitly addressed by the standard provisions of this Refund Policy. In such cases, we are committed to evaluating each situation on its individual merits and applying a fair, reasonable resolution consistent with the spirit of this Policy and applicable law.

Force Majeure Events: If project delivery or completion is prevented or significantly delayed by events beyond the reasonable control of either party — including but not limited to natural disasters, pandemics, government actions, war, terrorism, civil unrest, strikes, prolonged utility or internet service outages, or acts of God — neither party shall be held liable for non-performance during the duration of the force majeure event. In such cases, the following provisions apply:

• The affected party must notify the other party in writing within five (5) business days of the force majeure event's occurrence, providing a description of the event and its expected impact on the project.
• Project timelines will be extended by a period equivalent to the duration of the force majeure event, at no additional cost to the client.
• If the force majeure event continues for more than sixty (60) consecutive days, either party may terminate the agreement. In such cases, a prorated refund will be issued based on the work completed prior to the force majeure event, and no cancellation penalties will apply.

Goodwill Adjustments: In exceptional circumstances, JZ ADVISORY GROUP LLC may, at its sole and absolute discretion, offer goodwill refunds, credits, or discounts that exceed the amounts required by this Policy. Goodwill adjustments are not an entitlement and do not establish a precedent for future transactions. Examples of circumstances that may warrant a goodwill adjustment include: (a) long-standing client relationships with a history of successful projects, (b) significant personal or business hardship documented by the client, or (c) situations where JZ ADVISORY GROUP LLC determines that a goodwill gesture is appropriate to maintain the client relationship.

Regulatory Compliance: If any provision of this Refund Policy is found to be inconsistent with applicable federal, state, or local consumer protection laws, the legal requirement shall prevail, and the Policy will be interpreted to comply with the applicable law to the fullest extent possible. Clients who believe that this Policy does not comply with applicable consumer protection laws in their jurisdiction are encouraged to contact us at [email protected] so that we may review and address the concern.

Deceased or Incapacitated Clients: In the unfortunate event that a client becomes deceased or legally incapacitated during the course of a project, authorized estate representatives or legal guardians may request project cancellation and a prorated refund by providing appropriate legal documentation (death certificate, power of attorney, court order, etc.). JZ ADVISORY GROUP LLC will handle such requests with sensitivity and expediency.

If you have any questions, concerns, or requests related to this Refund Policy, or if you wish to initiate a refund request, please do not hesitate to contact JZ ADVISORY GROUP LLC using any of the methods listed below. Our client services team is available Monday through Friday, 9:00 AM to 6:00 PM Pacific Time (PT), excluding federal holidays and observed company holidays.

Response Times: We strive to acknowledge all refund-related inquiries within one (1) business day. Complex requests that require review of project records, financial calculations, or consultation with project teams may take up to five (5) business days for a substantive response. If your matter is urgent, please indicate "URGENT" in your email subject line or request priority handling when calling our phone line.

Legal Entity Information:

• Company Name: JZ ADVISORY GROUP LLC
• Entity Type: Limited Liability Company
• State of Formation: California
• Employer Identification Number (EIN): 88-0917956
• Founded: 2013 by Hiroshi Tanaka
• Principal Office: 3100 NE 48TH STREET 117 FORT LAUDERDALE, FL 33308
• Primary Services: Custom iOS and Android mobile application development

This Refund Policy was last reviewed and updated in January 2025. JZ ADVISORY GROUP LLC reserves the right to modify this Policy at any time by posting the revised version on our website. Material changes will be communicated to active clients via email at least thirty (30) days before the effective date of the change. Continued engagement with JZ ADVISORY GROUP LLC's services after the effective date of a Policy update constitutes acceptance of the revised terms.