DunningDoctor — Terms of Service

Effective date: July 18, 2026
Operator: The Atlas Project ("we," "us," "our," "Provider") — operator of the "An Atlas Project" portfolio.
Service: DunningDoctor, available at https://dunningdoctor.the-atlas-project.net ("[PRODUCT_DOMAIN]").

These Terms of Service ("Terms") govern your access to and use of DunningDoctor (the "Service"). Please read them carefully. By using the Service you agree to these Terms and to our Privacy Policy, which is incorporated by reference.

Plain-English summary (not a substitute for the full text). DunningDoctor connects to your Stripe account, tells you how much revenue you have lost to failed payments, and — if you turn recovery on — retries those charges and emails your customers to update their cards. On the pay-as-you-recover plan we charge 22% of what we actually recover for you, above your Stripe baseline, hard-capped at $199 per month. You can also choose a flat monthly plan. We do not guarantee any recovery. You authorize the retries and emails; you remain the sender of record for emails to your customers. The full Terms below control.

§0. Definitions

• "We," "us," "our," "Provider" — The Atlas Project, operator of the Atlas Project portfolio.
• "Service" — the DunningDoctor software-as-a-service made available at [PRODUCT_DOMAIN], including its website, application, APIs, cron/automation jobs, and related documentation.
• "You," "your," "Customer" — the individual or entity that registers for or uses the Service. If you use the Service on behalf of an organization, "you" means that organization, and you represent that you are authorized to bind it.
• "Account" — your registered access credential and workspace for the Service.
• "Subscription" — a paid or free plan granting access to the Service for a recurring term.
• "Order" — your selection of a plan at signup or checkout, together with these Terms.
• "Connected Stripe Account" — the Stripe account you link to the Service via Stripe Connect so that the Service can scan for and, if enabled, recover failed payments.
• "Your Customers" — the individuals or businesses that owe or have attempted to pay you, and whose failed invoices and payment records the Service processes on your instruction.
• "Your Content" — data, files, records, or other materials you submit to, upload to, or generate within the Service, or that the Service accesses on your instruction from your Connected Stripe Account (including failed-invoice records and Your Customers' payment metadata).
• "Third-Party Services" — services not operated by us that you connect to or that the Service relies on (e.g., Stripe, Vercel, Supabase, Resend).
• "Output" — results the Service produces, including the Leak Scan figures, decline-code breakdowns, benchmark percentiles, the recovered-vs-baseline ledger, and the per-period performance-fee statement.
• "Terms" — these Terms of Service, together with any Order.

§1. Acceptance of Terms (Clickwrap)

By clicking "Create account," "Sign up," "Switch recovery ON," "Subscribe," "I agree," or a similar control, or by accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not create an account or use the Service.

You represent that you are at least 18 years old and, if acting for an organization, that you have authority to bind it. These Terms form a binding agreement between you and The Atlas Project. We may present a summary of these Terms for convenience, but the full text governs.

§2. The Service; Accounts; Eligibility

2.1 What the Service does. DunningDoctor (a) runs a free Leak Scan that connects to your Connected Stripe Account on a read-only basis and reports how much revenue you have lost to failed payments over the trailing 90 days, how much appears recoverable, a decline-code breakdown, and a benchmark percentile; and (b) if you enable recovery, operates a deterministic recovery engine that retries failed charges on optimal days and sends branded card-update and dunning emails to Your Customers, then reports the recovered-vs-baseline ledger. The Leak Scan is diagnosis-only; recovery actions occur only after you enable recovery.

2.2 Account registration. You must provide accurate, current registration information and keep it up to date. You are responsible for all activity under your Account and for maintaining the confidentiality of your credentials. Notify us promptly at admin@the-atlas-project.net of any unauthorized use.

2.3 Authentication. The Service uses Supabase for authentication. You are responsible for safeguarding any password, magic link, or OAuth session associated with your Account.

2.4 Eligibility. The Service is intended for business and professional use by users who are at least 18. It is not directed to children (see §16). You may not use the Service if you are barred under applicable law or sanctions (see §17).

2.5 One account per user/entity unless we agree otherwise in writing. You may not share credentials or resell access.

2.6 Changes to the Service. We may add, modify, or discontinue features. We will use reasonable efforts to give notice of material adverse changes to paid features. Continued use after a change constitutes acceptance.

§3. Subscriptions, Billing, Fees, and Refunds

3.1 Payment processor. All payments to us are processed by Stripe on our own platform Stripe account. By subscribing or enabling the performance plan, you authorize us and Stripe to charge your payment method for the fees associated with your plan. You also agree to Stripe's applicable terms. We do not store full card numbers; card data is handled by Stripe.

3.2 Plans. DunningDoctor offers:

The flat bands differ only in price; the recovery engine, retries, emails, and ledger are identical across all paid plans. Annual flat plans are billed for the year up front and are shown at checkout as the equivalent of ten months (two months free). You choose the performance plan or a flat plan at checkout; you may switch between them prospectively as described in §20.8.

3.3 Free tier. The Leak Scan is free and requires no card. Free usage may have limits and may change at our discretion. We will not begin charging without your having selected a paid plan or enabled the performance plan.

3.4 Price changes. We may change prices. For recurring subscriptions, we will give at least 30 days' notice before a price change takes effect for your next renewal, by email to your Account address or in-product notice. If you do not agree, you may cancel before the change takes effect. A change to the performance-fee percentage or cap is a price change subject to this notice.

3.5 Automatic renewal (flat plans). Flat plans automatically renew at the end of each billing period at the then-current rate until cancelled. The performance plan has no fixed recurring subscription price; it bills only the amount computed under §20 for each closed period, if any.

3.6 Cancellation. You may cancel at any time from your Account settings, by disabling recovery, or by emailing admin@the-atlas-project.net. Cancellation of a flat plan takes effect at the end of the current billing period, and you retain access until then. Disabling recovery on the performance plan stops future recovery actions and therefore future performance fees; a final performance-fee statement will still be issued for amounts already recovered and attributable to actions taken before you disabled recovery (see §20).

3.7 Refunds. Except where required by applicable law, fees are non-refundable, and we do not provide prorated refunds for partial periods, unused time, or downgrades. This does not affect the clawback mechanics in §20.2(d) (refunds/chargebacks on recovered payments reduce the fee). If mandatory local consumer law grants you a refund or withdrawal right, we honor it to the extent required.

3.8 Taxes. Fees are exclusive of taxes. You are responsible for any sales, use, VAT, GST, or similar taxes, excluding taxes on our net income. Where we are required to collect tax, it will be added at checkout.

3.9 Failed payments; past-due accounts. If a charge to you fails, we (via Stripe) may retry. We may suspend or downgrade your Account, or pause recovery, for non-payment after reasonable notice.

3.10 Chargebacks. If you dispute a charge with your bank rather than contacting us first, we may suspend your Account pending resolution. Please use the dispute process in §20.5 or contact admin@the-atlas-project.net before initiating a chargeback.

§4. Acceptable Use Policy

You agree not to, and not to permit any third party to:

1. Use the Service in violation of any law, regulation, or third party's rights.
2. Reverse engineer, decompile, or attempt to derive source code, except to the extent this restriction is prohibited by law.
3. Resell, sublicense, or provide the Service to third parties except as expressly allowed.
4. Circumvent usage limits, rate limits, or access controls; probe, scan, or test the vulnerability of the Service without authorization.
5. Tamper with, or attempt to alter, the recovered-vs-baseline ledger, the control slice, or the performance-fee computation.
6. Upload malware or content that is unlawful, infringing, or that you lack the rights to submit.
7. Use the Service, or the emails it sends on your behalf, to send unlawful, deceptive, or unsolicited bulk communications, or in violation of anti-spam laws (see §21 on dunning emails and CAN-SPAM).
8. Use automated means to extract data from the Service beyond features we provide, or to build a competing dataset or product.
9. Interfere with or disrupt the integrity or performance of the Service or the data it contains.

We may investigate suspected violations and may suspend or terminate access for conduct we reasonably believe violates this section or creates risk or legal exposure.

§5. Your Content; Licenses; Responsibility

5.1 Ownership. As between you and us, you retain all rights in Your Content. We claim no ownership of it.

5.2 License to us. You grant us a worldwide, non-exclusive, royalty-free license to host, copy, process, transmit, and display Your Content solely to provide, maintain, secure, and improve the Service for you, and as needed to route it to the Third-Party Services and subprocessors you have enabled (Stripe, Supabase, Resend, Vercel). This license ends when Your Content is deleted, except for residual backups purged on our ordinary cycle and records we must retain by law.

5.3 Your representations. You represent that you have all rights and consents necessary to submit Your Content and to have us process it as described — including the payment records and contact details of Your Customers — and that Your Content and your use of Output do not violate law or third-party rights.

5.4 Personal data of Your Customers. The Service necessarily processes personal data about Your Customers (e.g., email addresses, invoice and payment metadata, decline reasons) to provide recovery. For that data, you are the controller and we are your processor, as described in the Data Processing Addendum in the Privacy Policy and summarized in §22. You are responsible for having a lawful basis to process Your Customers' data and to contact them.

5.5 Feedback. If you send us suggestions, we may use them without restriction or obligation to you.

§6. Intellectual Property; Third-Party Marks

6.1 Our IP. The Service, including its software, design, text, and the Atlas Project and DunningDoctor names and logos, is owned by us or our licensors and protected by IP laws. Except for the limited right to use the Service under these Terms, no rights are granted to you.

6.2 License to you. Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your internal business purposes for the term of your Subscription.

6.3 Stripe trademark / nominative use. DunningDoctor references Stripe and Stripe Smart Retries by name only to identify the platform the Service connects to and the baseline it measures against. Stripe is a trademark of its owner and is used only for nominative identification. We are not affiliated with, endorsed by, or sponsored by Stripe.

§7. Third-Party Services and Data; Stripe Connect

7.1 Connection you enable. The Service integrates with your Connected Stripe Account via Stripe Connect at your direction. Your use of Stripe is governed by Stripe's own terms and privacy policy. You are responsible for maintaining your Stripe account and the accuracy of the scopes you grant.

7.2 Scopes and authorization for actions.

• Leak Scan (read-only). The Leak Scan requests a read-only Stripe Connect scope. In read-only mode the Service can see failed charges and invoices; it cannot move money, retry charges, or send anything.
• Recovery (read-write). A read-write scope, granting the ability to retry failed charges and send card-update/dunning emails to Your Customers, is requested only when you turn recovery on, and is limited to the actions needed to recover payments. By enabling recovery, you authorize the Service to retry failed charges on your Connected Stripe Account and to send emails to Your Customers on your behalf, within those scopes, on the schedule the recovery engine determines.
• Revocation. You may revoke the Service's access at any time from your Stripe dashboard or by disabling recovery in the Service. Revocation stops future retries and emails, and therefore stops future performance fees (subject to a final statement for amounts already recovered).

7.3 No control over third parties. We are not responsible for the availability, accuracy, or acts of Stripe or any other Third-Party Service, and their failure, change, decline decisions, or reversal of a charge may affect the Service and the amounts recovered.

§8. Accuracy Disclaimer (Output)

The Service produces Output — including the Leak Scan figures, recoverability estimates, decline-code breakdowns, benchmark percentiles, the recovered-vs-baseline ledger, and the performance-fee statement — using software and data read from your Connected Stripe Account. Output is provided for informational purposes and may be incomplete, out of date, or incorrect. The recoverable and "leaked" figures are estimates, not promises of recoverable revenue. Benchmark percentiles are aggregate, anonymized comparisons and are not assertions about any specific business. Output is not financial, accounting, tax, or legal advice. You are responsible for reviewing and deciding whether and how to rely on Output.

§9. Warranty Disclaimer

THE SERVICE, OUTPUT, AND ALL RELATED MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUTPUT WILL BE ACCURATE, COMPLETE, CURRENT, OR RELIABLE. WE DO NOT WARRANT ANY PARTICULAR RESULT, INCLUDING ANY AMOUNT OF FAILED-PAYMENT REVENUE RECOVERED. See §20.7 (No guarantee of recovery).

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

§10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

10.1 Exclusion of certain damages. NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY.

10.2 Cap. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (a) THE TOTAL FEES YOU ACTUALLY PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE LIABILITY, OR (b) ONE HUNDRED U.S. DOLLARS ($100).

10.3 Application. THESE LIMITS APPLY TO ALL THEORIES OF LIABILITY (CONTRACT, TORT, STATUTE, OR OTHERWISE) AND ARE AN ESSENTIAL BASIS OF THE BARGAIN. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you; in that case our liability is limited to the least extent permitted.

10.4 Third-party outcomes. We are not liable for the acts, omissions, decisions, refunds, chargebacks, reversals, or account actions of Stripe or of Your Customers. Amounts flow through your Connected Stripe Account; we are not a party to the payments between you and Your Customers.

§11. Indemnification

You will defend, indemnify, and hold harmless The Atlas Project and its owners, employees, and agents from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) Your Content, including Your Customers' data; (b) your use of the Service or Output; (c) your violation of these Terms, applicable law, or third-party rights (including data-protection, anti-spam/CAN-SPAM, and consumer-protection rules); (d) the retries and emails you authorized the Service to perform in your Connected Stripe Account and on your behalf; and (e) your relationships and transactions with Your Customers. We may assume the exclusive defense of any matter subject to indemnification, at your expense, and you will cooperate.

§12. Term; Suspension; Termination

12.1 Term. These Terms apply while you have an Account or use the Service.

12.2 Termination by you. You may terminate by cancelling, disabling recovery, revoking Stripe access, and closing your Account. §3.6–3.7 (cancellation/refunds) and §20 (final performance-fee statement) apply.

12.3 Suspension/termination by us. We may suspend or terminate your access, with or without notice, for (a) breach of these Terms or the Acceptable Use Policy, (b) non-payment, (c) legal or security risk, or (d) conduct that may harm us, other users, or third parties. Where practical and lawful, we will give notice.

12.4 Effect. On termination, your license to use the Service ends and recovery actions stop. We will make Your Content available for export for a limited period where feasible, then delete or de-identify it on our ordinary cycle, except records we must retain by law (including performance-fee measurement records needed to substantiate billing). Deletion of Your Customers' personal data on termination follows the Data Processing Addendum (§22 and Privacy Policy DPA).

12.5 Survival. Sections that by their nature should survive (e.g., §§3.7–3.8, 5–6, 8–11, 13–22) survive termination.

§13. Modifications to These Terms

We may update these Terms. If we make a material change, we will provide notice by email to your Account address or by a conspicuous in-product notice at least 15 days before it takes effect (or as required by law), and we will update the "Effective date." Non-material changes take effect when posted. Your continued use after the effective date constitutes acceptance. If you do not agree, you must stop using the Service and may cancel under §3.6.

§14. Governing Law and Venue

14.1 Governing law. These Terms are governed by the laws of the State of [STATE=New York] and applicable U.S. federal law, without regard to conflict-of-laws rules. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

14.2 Venue. Subject to §15, the state and federal courts located in [STATE=New York] have exclusive jurisdiction, and each party consents to personal jurisdiction and venue there.

Owner flag: [STATE=New York] is an educated default, not a researched match to your situation. Confirm it against your state of formation and where you actually operate before launch (see 01-DECISIONS.md §2).

§15. Dispute Resolution

15.1 Informal resolution first. Before filing any claim, you agree to contact us at admin@the-atlas-project.net and attempt in good faith to resolve the dispute for at least 30 days. Disputes about a performance-fee statement follow §20.5 first.

15.2 Courts. Any dispute that is not resolved informally will be resolved exclusively in the state or federal courts located in [STATE=New York], as set out in §14.2, and each party waives any objection to that venue. Each party waives any right to a jury trial to the extent permitted by law.

Owner flag: This document ships with Option B (courts), the safer default recommended in 01-DECISIONS.md §3 until an attorney reviews an arbitration/class-waiver clause. If you later elect Option A (AAA binding arbitration with class-action waiver and 30-day opt-out) from the master framework §15, adopt it consistently across the whole portfolio and give notice under §13.

§16. Children

The Service is not directed to individuals under 18, and we do not knowingly collect personal information from them. If you believe a minor has provided us personal information, contact admin@the-atlas-project.net and we will delete it.

§17. Export, Sanctions, and Trade Compliance

You represent that you are not located in, and are not a resident or national of, any country or region subject to comprehensive U.S. sanctions, and that you are not on any U.S. government restricted-party list. You will not use the Service in violation of U.S. export-control or sanctions laws. We may block or terminate access to comply.

§18. Notices; Assignment; Force Majeure; Miscellaneous

18.1 Notices to you may be sent to your Account email or posted in-product. Notices to us go to admin@the-atlas-project.net.
18.2 Assignment. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
18.3 Force majeure. Neither party is liable for delay or failure due to causes beyond reasonable control.
18.4 No waiver. A failure to enforce is not a waiver.
18.5 Relationship. The parties are independent contractors; these Terms create no agency, partnership, or joint venture.
18.6 No third-party beneficiaries, except indemnified parties under §11.

§19. Severability; Entire Agreement

If any provision is held unenforceable, it will be modified to the minimum extent necessary or severed, and the rest remains in effect. These Terms, together with the Privacy Policy (including its Data Processing Addendum) and your Order, are the entire agreement between you and us regarding the Service and supersede prior agreements on the subject.

§20. Performance-Fee Terms (Recover plan)

This section defines the pay-on-recovery fee precisely. It controls over the general billing section (§3) for the performance plan.

20.1 Fee basis. On the Recover (Performance) plan, the fee is 22% (twenty-two percent) of Net Recovered Revenue for each monthly billing period, hard-capped at $199.00 per month. The fee is charged only on amounts you actually receive that are attributable to the Service's actions. If Net Recovered Revenue for a period is zero, no fee is due for that period.

20.2 Definition of Net Recovered Revenue.

(a) What counts. "Net Recovered Revenue" for a billing period means the incremental dollars actually collected on failed invoices in your Connected Stripe Account that the Service actively retried or dunned during that period — that is, dollars recovered above the baseline that Stripe's own retry behavior would have recovered on its own (see (c)).

(b) Attribution rule. A collected payment counts only if it is on an invoice the Service treated (retried and/or sent a card-update/dunning email for) and the payment clears within the period or the attribution window the Service applies to that treatment. Payments the Service did not treat, and payments on invoices excluded from treatment (including the control slice in (c)), do not count.

(c) Baseline / control methodology (disclosed). To ensure you are billed only on *incremental* recovery — dollars Stripe's own retries would not have collected on their own — the Service applies a baseline discount to every recovered payment. For each recovered invoice the Service treated, it counts toward Net Recovered Revenue only the portion of the collected amount above the baseline that Stripe's standard retries would be expected to recover for that invoice's decline scenario and age; the remaining share — the portion attributable to Stripe's own retry behavior — is excluded from the fee basis. Those baseline recovery rates are deterministic and disclosed, and are calibrated against a deterministic control slice — 10% of failing invoices, held out to receive only Stripe's standard retry behavior and no DunningDoctor treatment — so the baseline reflects observed control-group performance over time rather than an assumption. A monthly recovered-vs-baseline statement, including the control-versus-treatment comparison and the amounts counted for each treated invoice, is available to you in-product and is read-only — it cannot be altered by you or by us on a per-tenant basis, which is what makes the fee auditable. The net effect is that you are never billed on dollars Stripe would have collected on its own.

(d) Clawbacks. Net Recovered Revenue is reduced by any refunds, chargebacks, disputes, or reversals on the recovered payments that occur within 30 days after the payment is collected. If such a clawback occurs after a fee has already been billed, the amount is credited against your next performance-fee invoice, or refunded to you if there is no next invoice.

20.3 Cap. The $199.00/month cap is a hard ceiling on the performance fee for any single billing period, regardless of how much Net Recovered Revenue is realized.

20.4 Billing cadence. Performance fees are billed monthly in arrears via Stripe, as an invoice item computed for the closed period, net of clawbacks known at billing time. The fee is computed and capped in our software, not set at the client, so the 22%/$199 terms cannot be tampered with.

20.5 Measurement transparency and disputes. We make available a per-period statement showing the treated invoices, the baseline/control comparison, the amounts counted as Net Recovered Revenue, any clawbacks, and the fee computed. You may dispute a statement in good faith within 30 days of its issuance by emailing admin@the-atlas-project.net; we will review and correct genuine errors. Undisputed statements are deemed accepted after 30 days.

20.6 Authorization for action. You authorize the Service to take the actions the fee is based on — retrying charges and sending card-update/dunning emails to Your Customers through your Connected Stripe Account — within the read-write scope you grant when you enable recovery (§7.2). You may revoke authorization at any time, which stops future actions and future fees.

20.7 No guarantee of recovery. We do not guarantee any recovery, amount, or outcome. Recovery depends on Your Customers, their banks, card networks, and Stripe, none of which we control. If nothing incremental is recovered, no performance fee is due.

20.8 Flat-tier alternative. Instead of the performance fee, you may choose a flat monthly (or annual) plan from the bands in §3.2, as shown at checkout. Switching between the performance plan and a flat plan takes effect prospectively; any performance fee already accrued for a closed period remains payable.

§21. Dunning Emails; Sender of Record; CAN-SPAM

21.1 Sent on your behalf. When recovery is enabled, the Service sends card-update and dunning emails to Your Customers on your behalf, from your branded sending domain, using Resend as the delivery provider. These messages relate to Your Customers' existing payment obligations to you and are transactional/relationship in nature.

21.2 You are the sender of record. As between you and us, you are the sender of record for these emails and the party with the underlying business relationship with Your Customers. You are responsible for the accuracy of the sender identity, for having a lawful basis to email Your Customers, and for honoring opt-outs.

21.3 Shared CAN-SPAM responsibility. You and we share responsibility for compliance with the CAN-SPAM Act and comparable laws (e.g., CASL, GDPR/PECR where applicable). We will structure the messages to reflect their transactional nature and to identify you as the sender; you are responsible for the truthfulness of the sender and subject information you configure, for not using the emails for unrelated marketing, and for maintaining any required suppression of recipients who should not be contacted. You must not use the Service to send unlawful or deceptive messages (§4.7).

§22. Data Processing (Processor Role) — Summary

For the personal data the Service processes about Your Customers on your instruction (e.g., email addresses, invoice and payment metadata), you are the controller and we are your processor. We process that data only to provide, secure, and support the Service; we do not sell it, use it for advertising, or use it to train generalized AI models; our subprocessors are listed in the Privacy Policy; and we delete or return it on termination, subject to residual backups and legal-retention requirements. The full terms are in the Data Processing Addendum in the Privacy Policy, which is incorporated into these Terms.

Last updated: July 18, 2026 · The Atlas Project · admin@the-atlas-project.net · admin@the-atlas-project.net

This document was prepared with automated assistance and has not been reviewed by an attorney. It is not legal advice.