TERMS OF SERVICE AND REFUND POLICY

Last Updated: July 2026 (v8)

These Terms of Service ("Agreement") govern your use of services provided by Recently Released Initiatives LLC, doing business as Plan B Expat ("Company," "we," "us," or "our"). By purchasing any service or making any payment to the Company, you ("Client," "you," or "your") agree to be bound by this Agreement.

1. ELIGIBILITY TO ENTER THIS AGREEMENT

1.1 Age and Capacity. By purchasing our services, you represent that you are at least 18 years of age and have the legal capacity to enter into binding contracts in your jurisdiction. If you are purchasing on behalf of another individual, you represent that you have the legal authority to bind that individual to this Agreement.

2. NATURE OF SERVICES

2.1 Advisory Services Only. Plan B Expat provides consulting and advisory services related to residency relocation. We act as a liaison between you and licensed immigration attorneys in the destination country. We are NOT a law firm, and we do NOT provide legal advice, tax advice, or immigration legal services.

2.2 Third-Party Legal Services. Legal services are provided by independent, licensed attorneys in the destination country. While our service fees include coordination of legal services, the attorneys operate independently and are solely responsible for the legal work performed. We are not responsible for any errors, omissions, delays, or failures by third-party attorneys or service providers.

2.3 Government Decisions. All residency and visa applications are subject to approval by the relevant government authorities. We do not guarantee approval of any application. Government decisions are outside our control.

2.4 Scope of Services. Service fees cover only the specific services described in your selected package. Services do NOT include: travel expenses, accommodation, meals, in-country transportation, document apostilles or certifications from your home country, translation of documents not in English or Spanish (unless explicitly included), or any other expenses not explicitly listed in your package description.

2.5 No Attorney-Client Relationship. Your relationship with Plan B Expat is that of a client of consulting services, NOT a client of legal services. No attorney-client privilege exists between you and Plan B Expat. Any attorney-client relationship exists solely between you and the licensed immigration attorney in the destination country.

2.6 Professional Counsel Governs. Our vetted network includes independently licensed immigration attorneys, accountants, and tax specialists. You are expected to seek their counsel directly on questions of law, tax treatment, and filing obligations, and to raise anything that concerns you with them rather than relying on our summary of it. Where anything we have told you differs from what a licensed professional tells you about your own circumstances, their advice governs and ours must not be relied upon. When we pass information between you and them we are relaying it, not endorsing, verifying, or adopting it.

2.7 Website Content and Published Materials. Articles, guides, comparisons, calculators, country pages, and any other material published on our website or distributed by us are general information prepared for a broad audience. They are not advice directed at your circumstances and must not be relied upon as such. Laws, fees, thresholds, and administrative practice change, sometimes without notice. Material is accurate to the best of our knowledge when published and may be out of date when you read it.

3. PAYMENT STRUCTURE

3.1 Free Consultation. Plan B Expat offers a free 30-minute consultation to discuss your residency goals, review your pre-qualification results, and provide a personalized quote. The consultation is provided at no charge and does not obligate you to purchase any service. No payment is required before or during the consultation.

3.2 Consulting Fee. The Consulting Fee is the amount you pay Plan B Expat. It covers our advisory and coordination work only. It is payable after your free consultation, once you decide to proceed, and the amount is disclosed to you before payment is requested. By paying it you authorize us to begin work on your case, including introducing you to the law firm and preparing your file for them.

3.3 What the Consulting Fee Includes. Unless your written quote says otherwise, the Consulting Fee includes: eligibility review and pathway selection, a personalized document checklist, review of your documents before they reach the law firm, introduction to and coordination with the law firm throughout your case, status updates, and support across the phases described in your quote.

It does NOT include: law firm fees, government filing fees, notarial costs, translations, apostilles, travel, accommodation, or any third-party cost. Those are described in 3.6 and are payable by you directly to the party providing them.

3.6 Law Firm and Third-Party Fees Are Paid Directly by You. Law firm fees are paid by you directly to the law firm, on the milestone schedule set out in your engagement with that firm. Government filing fees, notarial costs, translations, and apostilles are likewise paid to the party providing them, either directly by you or by the law firm on your behalf under its own terms.

Plan B Expat does not hold, escrow, receive, or administer any portion of the law firm's fees or of any government or third-party cost on your behalf. We never take custody of money intended for someone else. This separation protects you: funds you owe the law firm are never exposed to our business, and our fee is never contingent on holding yours.

3.4 Government Fee Changes. Government fees quoted at the time of your Consulting Fee payment are based on current published rates. If government fees increase between the time of your payment and the time of filing, you are responsible for the difference. We will notify you of any known fee changes before they affect your case.

3.5 Payment Methods. Plan B Expat accepts payment via credit card (processed through Stripe) or direct bank transfer (ACH/wire). Bank transfer instructions are provided after your consultation when you are ready to proceed.

3.5.1 Bank Transfer Discount. Clients who pay the Consulting Fee via bank transfer (ACH or wire) receive a 3% discount on that fee. The discount applies only to the Consulting Fee. It does not apply to law firm fees, government fees, or any third-party cost, none of which we collect. The discounted amount will be displayed on your payment instructions.

3.5.2 Processing Time. Bank transfers typically clear within one to three (1-3) business days for ACH and same-day for domestic wire transfers. International wire transfers may take three to five (3-5) business days. Services commence upon confirmation of cleared funds in Plan B Expat's account.

3.5.3 Payment Reference. Bank transfers must include a payment reference identifying the client and service (e.g., "John Smith - Panama FNV - PBE"). Transfers without proper reference may be delayed while we identify the payment. Plan B Expat is not responsible for delays caused by missing or incorrect payment references.

3.5.4 Same Terms Apply. Payments made via bank transfer are subject to the same terms, refund policy, and conditions as card payments. The payment method does not affect your rights or obligations under this Agreement.

4. ELIGIBILITY AND CONSULTATION PROCESS

4.1 Pre-Qualification. Before purchasing any service, you are required to complete an eligibility questionnaire. By completing this questionnaire and requesting a consultation, you confirm that all information you provided is true, accurate, and complete.

4.2 Consultation and Eligibility Review. During your free consultation, Plan B Expat will review your case and determine your eligibility. Following the consultation, Plan B Expat will confirm one of the following: (a) ELIGIBLE: You qualify for the selected pathway and may proceed to pay the Consulting Fee; (b) CONDITIONALLY ELIGIBLE: You may qualify but additional information or documents are needed before a final determination; (c) NOT ELIGIBLE: You do not qualify for the selected pathway. An alternative pathway may be recommended.

4.3 Record of Acceptance. Your eligibility questionnaire responses, consultation notes, and all communications are recorded and timestamped. These records serve as evidence of the information you provided and the services you authorized.

4.4 Consultation Scope. The free 30-minute consultation covers a review of your eligibility, recommended pathways, documentation requirements, and a personalized quote. By requesting a consultation, you acknowledge that the scope of this assessment is limited to the information you have provided.

4.5 Service Deliverables. Upon commencement of services (payment of Consulting Fee), you will receive the following deliverables: (a) a personalized document checklist within 48 hours of payment, detailing every document required for your specific pathway; (b) assignment of a licensed immigration attorney in your destination country, with contact information provided; (c) regular status updates throughout the process via email. These deliverables constitute commencement of services and evidence of work performed.

4.6 Online Eligibility Assessment. The free assessment on our website, the programs it matches you to, and any starting prices it displays are indicative only. They are generated from information you supply about yourself, which we do not verify at that stage, and from our general understanding of each program at the time. A match is not a determination that you qualify, is not an application or reservation, and is not a legal opinion. Prices shown are starting service fees for our consulting work, are not total cost, and are not a binding offer. Actual eligibility depends on verified documents, the assessment of licensed professionals, and the discretion of the relevant government authority.

5. REFUND AND CANCELLATION POLICY

5.1 What This Section Covers. This section governs the Consulting Fee you pay Plan B Expat, and nothing else. We do not hold law firm fees, government fees, or third-party costs (see 3.6), so we are not in a position to refund them. Refunds of law firm fees are governed by your engagement with that firm and must be taken up with the firm directly. We will help you raise the request and will provide any record we hold, but the decision is theirs.

5.1.1 Consulting Fee Refund Schedule. Whether the Consulting Fee is refundable depends on whether we have begun delivering. The deliverables listed in Section 4.5, being your personalized document checklist and your introduction to the assigned law firm, mark the point at which work has commenced.

5.2 How to Request a Cancellation. All cancellation requests must be submitted in writing to support@planbexpat.com. Verbal cancellation requests are not accepted. The date of your written cancellation request determines which stage applies. Refunds, where applicable, will be processed within thirty (30) business days of the cancellation request.

5.3 Cancellation Fee. The $350 administration fee in the schedule above covers advisory work already performed on your behalf before any deliverable is issued, including eligibility assessment, pathway selection, case review against current program rules, and the preparatory work of matching your file to the appropriate law firm. This work is performed as soon as you engage. It cannot be undone or returned, which is why it is retained even where a refund is otherwise due.

5.4 Refund Method. Refunds will be issued to the original payment method used at the time of purchase. For bank transfer payments, refunds will be sent to the originating account or an account you designate in writing. Plan B Expat is not responsible for any fees charged by your bank or credit card company in connection with the refund.

5.5 Application Denial. If your residency application is denied by the government for reasons within the government's discretion (such as policy changes, additional scrutiny, or subjective assessment), no refund of the Consulting Fee will be issued. Any question of law firm fees is between you and the firm under its terms. Plan B Expat and the attorney will advise you on available options, which may include appeal, reconsideration, or an alternative pathway. Additional fees may apply for these services.

5.6 Application Denial Due to Error. If your residency application is denied due to an error by the immigration attorney (such as incorrect filing, missed deadlines, or incomplete documentation submitted by the attorney), the attorney is responsible for refiling or appealing, and any remedy for attorney error is governed by your engagement with that firm. We will raise the matter with the firm on your behalf and provide any record we hold. Plan B Expat does not indemnify you for the acts or omissions of the law firm, which you engage and pay directly under 3.6. If the denial is directly attributable to an error by Plan B Expat itself, such as an incorrect document checklist or a missed handoff on our side, Plan B Expat will refund the Consulting Fee in full. This clause does not apply to denials caused by information you provided, government policy changes, or circumstances outside our control.

5.7 No Refund Scenarios. In addition to the circumstances in the schedule above, no refund of the Consulting Fee will be issued in the following circumstances:

(a) You provided false, misleading, or incomplete information that resulted in case complications or denial;

(b) You failed to obtain or deliver required documents within the timeline communicated by Plan B Expat;

(c) You failed to travel to Panama or Paraguay when required for in-person procedures;

(d) Immigration law or government policy changed after your payment, affecting your pathway;

(e) Your case was abandoned per Section 7.4 of this Agreement;

(f) You are dissatisfied with the processing timeline, which is determined by government authorities and outside our control.

5.8 Two-Phase Engagements. Where your Consulting Fee covers both the temporary residency and the later conversion to permanent residency, the fee is earned across the engagement as a whole and is not apportioned between the two phases. Once the deliverables in Section 4.5 have been provided, no refund is due at any subsequent point, including after your temporary residency is approved and while you are waiting for the conversion window to open.

5.9 If Plan B Expat Cannot Deliver. This obligation runs both ways. If Plan B Expat ceases operations or is otherwise unable to provide the Phase 2 conversion support included in your Consulting Fee, and you have not yet received that support, Plan B Expat will refund twenty-five percent (25%) of the Consulting Fee, and will provide you with your complete case record and a direct introduction to the law firm handling your file so that you may complete the conversion independently. This does not apply where you have declined the Phase 2 support available to you, failed to request it, or where we were unable to reach you at the contact details you provided.

6. CHARGEBACKS AND PAYMENT DISPUTES

6.1 Dispute Resolution First. If you are dissatisfied with our services or believe you are entitled to a refund, you agree to contact Plan B Expat at support@planbexpat.com BEFORE initiating a chargeback or payment dispute with your bank or credit card company. We commit to responding to all refund inquiries within five (5) business days.

6.2 Chargeback Consequences. If you initiate a chargeback or payment dispute with your bank or credit card company without first contacting Plan B Expat:

(a) All services will be immediately suspended pending resolution of the dispute;

(b) You remain liable for the full amount of services rendered plus any chargeback fees incurred by the Company;

(c) Plan B Expat will submit evidence of this Agreement, your acceptance of these terms, your eligibility questionnaire, and records of services rendered to the payment processor;

(d) If the chargeback is resolved in the Company's favor, you agree to pay any additional fees or costs incurred by the Company in defending the dispute;

(e) This action constitutes a material breach of this Agreement.

6.3 Evidence of Acceptance. By completing payment, you acknowledge that Plan B Expat maintains records of: your acceptance of these Terms of Service (including timestamp and IP address), your completed eligibility questionnaire, all communications between you and Plan B Expat, all documents submitted, and all milestone events in your case. These records may be submitted to payment processors, arbitrators, or courts in the event of a dispute.

7. CLIENT RESPONSIBILITIES

7.1 Accurate Information. You are responsible for providing accurate, complete, and truthful information throughout the application process. Any false or misleading information may result in application denial, and no refund will be issued.

7.2 Document Preparation. You are responsible for obtaining, preparing, and submitting all required documents, including apostilles, translations, and certifications from your home country, within the timeline communicated by Plan B Expat. Plan B Expat will provide you with a detailed document checklist, validity periods, and recommended ordering sequence. Failure to deliver documents within the communicated timeline may result in document expiry, requiring you to obtain fresh documents at your own expense.

7.3 Timely Responses. You are responsible for responding to requests for information or documents within fourteen (14) days unless otherwise specified. Delays caused by your failure to respond may affect processing times, and no refund will be issued for such delays.

7.4 Abandonment. If you fail to respond to our communications for sixty (60) consecutive days, Plan B Expat will send a written warning to your email address on file. If you remain non-responsive for ninety (90) consecutive days total, your case will be deemed abandoned. No refund will be issued for abandoned cases. If you wish to resume services after abandonment, you must re-engage at the then-current rates. The original price is not guaranteed.

This clause applies to periods in which your file is active and awaiting action from you. It does not apply to the interval between the approval of your temporary residency and the opening of your conversion window, during which no action is required from you and your engagement remains in good standing.

Phase 2 support is available to you on request. When your conversion window approaches, contact us and we will resume work on your file. We may send a courtesy reminder but do not undertake to do so, and you should not rely on receiving one. You are responsible for keeping your email address and contact details current with us; where we hold out-of-date details, any failure to reach you is not a failure on our part.

7.5 Travel and Presence. Your selected residency program may require your physical presence in Panama or Paraguay. You are solely responsible for arranging and paying for your travel, accommodation, and related expenses. Failure to travel when required may result in application delays or denial, and no refund will be issued. For tax residency purposes, see Section 8.6.

8. NO OUTCOME GUARANTEES

8.1 General. We do not guarantee: (a) approval of any visa, residency, or citizenship application; (b) specific processing times or timelines; (c) any particular tax outcome or benefit; (d) continuation of any government program or its requirements; (e) accuracy of information provided by third parties or government sources. Immigration laws, requirements, fees, and processing times are subject to change by government authorities at any time without notice.

8.2 Tax Consequences. Plan B Expat does NOT provide tax advice. We are not responsible for any tax obligations, penalties, or consequences that arise in your home country, destination country, or any other jurisdiction as a result of your relocation, change of residency, or financial activity. You are solely responsible for consulting a qualified tax advisor regarding your individual tax situation before and after relocating.

8.3 Banking. Plan B Expat facilitates bank account applications but does NOT guarantee approval of any bank account. Banks make independent decisions based on their own compliance and risk criteria. If a bank denies your application, no refund will be issued for banking facilitation services rendered. We are not responsible for any bank fees, account closures, holds, or restrictions imposed by the bank after account opening.

8.4 Employment and Economic Tie. If your residency pathway requires an economic tie to the destination country (such as employment at a placement company, ownership of a company, or maintenance of an investment), you are solely responsible for maintaining that tie throughout the required period. If your employer terminates your position, your company becomes non-compliant, or your investment falls below the required threshold, the resulting impact on your residency status is your responsibility. Plan B Expat is not liable for the actions or decisions of any employer, company, or investment entity.

8.5 Changes in Personal Circumstances. We are not liable for any consequences arising from changes in your personal circumstances after your case has commenced, including but not limited to: divorce or separation, acquisition of a criminal record, loss of pension or income, passport expiration or revocation, change of nationality, medical conditions, death of a spouse or dependent, or any other personal event that affects your eligibility or application.

8.6 Plan B Residency and Tax Residency. A Plan B residency holds standalone value apart from any tax benefit. Panama and Paraguay programs have become harder to access in recent years as governments raise investment thresholds, extend processing times, and add scrutiny under international pressure. Securing residency under current rules protects you from future tightening. Once issued, your residency grants a second legal status, access to international banking, property ownership rights, visa-free travel, and a ready foothold for future relocation. This value exists whether or not you ever pursue tax optimization, and the Client acknowledges that Plan B protection and optionality are separate and independent reasons to obtain residency.

8.6.1 Physical Presence for Tax Residency. Tax residency is a separate matter with stricter requirements. To be recognized as a tax resident of Panama or Paraguay and receive an official tax residency certificate, the Client must be physically present in that country for at least one hundred eighty-three (183) days per calendar year. Both countries issue tax residency certificates recognized internationally, but only after the Client has demonstrated the required physical presence and, where applicable, economic substance (such as property ownership, business activity, or utility consumption).

8.6.2 Home Country Tax Obligations. If the Client's home country taxes worldwide income, obtaining residency in Panama or Paraguay does not automatically reduce or eliminate that obligation. The home country may continue to treat the Client as its tax resident until the Client meets that country's requirements for severing tax residency, which typically includes establishing physical presence and genuine ties (center of vital interests) in the new country and spending fewer than 183 days in the home country.

8.6.3 Plan B Residency Without Tax Optimization. Clients who do not intend to relocate full time or spend 183 days per year in the destination country may obtain and maintain a valid residency permit without meeting the physical presence threshold. This residency is fully legal and provides all Plan B benefits described in Section 8.6, but does not by itself qualify the Client for tax residency status in the destination country or relieve the Client of tax obligations in the Client's home country. Plan B Expat does not provide tax advice and is not responsible for any tax consequences resulting from the Client's decisions regarding physical presence.

8.6.4 Client Acknowledgment. By purchasing any service from Plan B Expat, the Client acknowledges that: (a) a Plan B residency holds value on its own, regardless of tax considerations; (b) current residency programs may become harder or more expensive to access in the future as governments tighten requirements; (c) tax residency specifically requires at least 183 days of physical presence per year in the destination country; (d) without meeting the physical presence requirement, the Client's residency remains valid as a Plan B but may not be recognized as tax residency by the home country or the destination country; (e) the Client is solely responsible for consulting a qualified tax advisor regarding the Client's individual tax situation; (f) this topic will be discussed during consultation but does not constitute tax advice.

9. INDEMNIFICATION

9.1 Client Indemnification. You agree to indemnify, defend, and hold harmless the Company, its owners, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising out of or related to: (a) your breach of this Agreement; (b) your violation of any law or regulation; (c) any false, inaccurate, or misleading information you provide; (d) your interactions with government authorities, attorneys, or other third parties; (e) any claim arising from your use of our services.

9.2 Specific Indemnification Scenarios. Without limiting the generality of Section 9.1, you specifically agree to indemnify and hold harmless the Company from any claims arising from:

(a) Tax liabilities, penalties, or assessments imposed by any government in any jurisdiction as a result of your relocation, residency change, or financial activity;

(b) Loss of residency status due to your failure to maintain the required economic tie (employment, company, or investment) during the provisional period;

(c) Consequences of actions you took outside of Plan B Expat's guidance, including contacting immigration authorities directly, hiring additional lawyers or fixers without our knowledge, or submitting documents that were not reviewed by Plan B Expat or the assigned attorney;

(d) Application denial or complications caused by information you failed to disclose, including prior visa denials, deportation history, criminal record, or pending legal proceedings in any country;

(e) Actions taken by your home country government, including passport revocation, sanctions, travel bans, or changes in bilateral agreements that affect your eligibility;

(f) Financial losses due to currency exchange rate fluctuations between the time of payment and the time services are rendered;

(g) Any claim by a third party arising from your use of bank accounts, companies, or other services facilitated through Plan B Expat;

(h) Costs you incur for travel, accommodation, repeated document processing, or other expenses resulting from your own delays, errors, or failure to follow instructions provided by Plan B Expat.

10. LIMITATION OF LIABILITY

10.1 Maximum Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT OR OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO THE COMPANY FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM.

10.2 Exclusion of Damages. IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE.

10.3 Third-Party Actions. We are not liable for any acts, omissions, errors, delays, or failures of third parties, including but not limited to immigration attorneys, government agencies, banks, translation services, notaries, apostille offices, courier services, placement companies, or any other service provider involved in your case.

10.4 Specific Non-Liability. Without limiting the above, the Company is specifically not liable for:

(a) Denial of your residency application by government authorities for any reason;

(b) Denial of your bank account application by any financial institution;

(c) Loss of employment at a placement company or any employer in the destination country;

(d) Changes in immigration law, government policy, filing fees, or program requirements that occur after your payment;

(e) Tax obligations, penalties, or assessments in your home country, destination country, or any other jurisdiction;

(f) Loss of residency status due to your failure to maintain the required economic tie, renew your residency card, or comply with local laws;

(g) Consequences of your decision to act outside of Plan B Expat's guidance or instructions;

(h) Delays caused by government processing times, office closures, backlogs, or staffing shortages;

(i) Document expiration resulting from your failure to follow the timing and sequencing guidance provided by Plan B Expat;

(j) Any costs you incur for travel, accommodation, document re-processing, or other expenses that were not explicitly included in your service package;

(k) Actions taken by your home country, including passport revocation, sanctions, or changes in bilateral agreements;

(l) Consequences arising from changes in your personal circumstances after commencement of services.

11. FORCE MAJEURE

11.1 Neither party shall be liable for any failure or delay in performing obligations under this Agreement due to circumstances beyond reasonable control, including but not limited to: acts of God, natural disasters, pandemics, war, terrorism, government actions or orders, strikes, failure of internet or telecommunications infrastructure, or closure of government offices. If a force majeure event continues for more than one hundred eighty (180) days, either party may terminate this Agreement. Refunds in such cases will follow the schedule in Section 5.1 based on the stage of the case at the time of termination.

12. DISPUTE RESOLUTION

12.1 Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of New Mexico, United States, without regard to its conflict of law principles.

12.2 Informal Resolution. Before initiating any formal dispute resolution, you agree to contact Plan B Expat at support@planbexpat.com and attempt to resolve the dispute informally for a period of thirty (30) days.

12.3 Binding Arbitration. Any dispute, controversy, or claim arising out of or relating to this Agreement that cannot be resolved informally shall be settled by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in Albuquerque, New Mexico, before a single arbitrator.

12.4 Waiver of Class Action. YOU AGREE THAT ANY ARBITRATION OR LEGAL PROCEEDING SHALL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

12.5 Time Limitation. Any claim or dispute arising under this Agreement must be filed within one (1) year of the date the claim arose, or the claim shall be permanently barred.

13. PRIVACY AND DATA

13.1 We collect and process personal information necessary to provide our services. By using our services, you consent to the collection, storage, and processing of your personal information as described in our Privacy Policy. Your information may be shared with third-party service providers, including immigration attorneys, as necessary to fulfill our services.

13.2 Electronic Acceptance. You agree that checking the box labeled "I have read and agree to the Terms of Service and Refund Policy" and the box labeled "Plan B Residency and Tax Residency Acknowledgment" and completing payment constitutes your legally binding signature and acceptance of this Agreement, including Section 8.6 (Plan B Residency and Tax Residency), with the same force and effect as a handwritten signature. Both acceptances are timestamped and recorded as evidence of your acknowledgment.

13.3 Anti-Money Laundering. You represent that the funds used for payment are from legitimate sources and are not derived from illegal activity. You agree to provide additional documentation if requested for compliance purposes.

13.4 Testimonials. You grant the Company permission to use anonymized details of your case for marketing purposes, including testimonials, case studies, and promotional materials, unless you notify us in writing that you do not consent.

14. MISCELLANEOUS

14.1 Entire Agreement. This Agreement constitutes the entire agreement between you and the Company regarding the subject matter hereof and supersedes all prior or contemporaneous communications, whether electronic, oral, or written.

14.2 Severability. If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14.3 Waiver. The failure of the Company to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.

14.4 Assignment. You may not assign or transfer this Agreement without the prior written consent of the Company. The Company may assign this Agreement without restriction.

14.5 Modifications. We reserve the right to modify this Agreement at any time. Changes will be effective upon posting to our website. The version of this Agreement in effect at the time of your purchase shall govern your transaction.

14.6 Contact. For questions regarding this Agreement, refund requests, or disputes, contact us at support@planbexpat.com