General Terms and Conditions

1) Scope of Application

1.1 These General Terms and Conditions ("GTC") of VenTrade GmbH ("Seller") apply to all contracts for the delivery of goods concluded by a consumer or entrepreneur ("Customer") with the Seller regarding the goods presented by the Seller in its online shop. The inclusion of the Customer's own terms is hereby objected to, unless agreed otherwise.

1.2 These GTC also apply to contracts for the delivery of goods with digital elements, unless otherwise specified. In this case, the Seller, in addition to delivering the goods, owes the provision of digital content or digital services ("digital products") as a technical service provider, which are included or connected to the goods in a way that the goods cannot or only partially fulfill their functions without them.

1.3 These GTC also apply to contracts for the delivery of physical data carriers serving exclusively as carriers of digital content, unless otherwise specified. Digital content, for the purposes of these GTC, refers to data created and provided in digital form.

1.4 These GTC also apply to contracts for the delivery of vouchers, unless otherwise specified.

1.5 A consumer, as defined in these GTC, is any natural person who enters into a legal transaction for purposes that can predominantly be attributed neither to their commercial nor their self-employed professional activity.

1.6 An entrepreneur, as defined in these GTC, is a natural or legal person or a legal partnership that acts in the course of its commercial or self-employed professional activity when concluding a legal transaction.

2) Conclusion of Contract

2.1 The product descriptions contained in the Seller's online shop do not constitute binding offers by the Seller but serve to submit a binding offer by the Customer.

2.2 The Customer can submit the offer via the integrated online order form in the Seller's online shop. After placing the selected items in the virtual shopping cart and completing the electronic ordering process, the Customer, by clicking the button concluding the ordering process, submits a legally binding contract offer regarding the items in the shopping cart. The Customer can also submit the offer by phone, fax, email, or postal mail to the Seller.

2.3 The Seller can accept the Customer's offer within five days by:

  • sending a written order confirmation or order confirmation in text form (fax or email) to the Customer, where the receipt of the order confirmation by the Customer is decisive, or
  • delivering the ordered goods to the Customer, where the receipt of the goods by the Customer is decisive, or
  • requesting payment from the Customer after the Customer has placed the order.

If several of the above alternatives are available, the contract is concluded at the time when one of the above alternatives occurs first. The period for accepting the offer begins on the day after the offer is sent by the Customer and ends with the expiration of the fifth day following the sending of the offer. If the Seller does not accept the Customer's offer within the aforementioned period, this is considered a rejection of the offer, with the consequence that the Customer is no longer bound by their declaration of intent.

2.4 If the Customer chooses a payment method offered by PayPal, the payment processing is carried out by the payment service provider PayPal (Europe) S.à r.l. et Cie, S.C.A., 22-24 Boulevard Royal, L-2449 Luxembourg ("PayPal"), subject to the PayPal terms of use, available at https://www.paypal.com/de/webapps/mpp/ua/useragreement-full or, if the Customer does not have a PayPal account, subject to the conditions for payments without a PayPal account, available at https://www.paypal.com/de/webapps/mpp/ua/privacywax-full. If the Customer pays using a PayPal payment method selected in the online ordering process, the Seller hereby declares acceptance of the Customer's offer at the time when the Customer clicks the button concluding the ordering process.

2.5 Before the binding order is placed via the online order form of the Seller, the text of the contract is saved by the Seller and sent to the Customer in text form (e.g., email, fax, or letter) after the Customer has submitted their order. The Seller does not make the contract text accessible beyond this. If the Customer has set up a user account in the Seller's online shop before submitting their order, the order data will be archived on the Seller's website and can be retrieved free of charge by the Customer via their password-protected user account, specifying the corresponding login details.

2.6 Before the binding submission of the order via the Seller's online order form, the Customer can identify possible input errors by carefully reading the information displayed on the screen. An effective means of better recognizing input errors can be the browser's zoom function, which enlarges the display on the screen. The Customer can correct their entries during the electronic ordering process using the usual keyboard and mouse functions until they click the button concluding the ordering process.

2.7 The contract can be concluded in German or English.

2.8 Order processing and communication are usually carried out by email and automated order processing. The Customer must ensure that the email address provided by them for order processing is correct so that they can receive emails sent by the Seller. In particular, the Customer must ensure that emails sent by the Seller or third parties commissioned by the Seller for order processing can be delivered when using spam filters.

3) Right of Withdrawal

The right of withdrawal listed below is only available to our customers who are consumers within the meaning of § 13 BGB.

Withdrawal Instructions

Right of Withdrawal*

You have the right to withdraw from this contract within 30 days without giving any reason. The withdrawal period is 30 days from the day on which you or a third party designated by you, who is not the carrier, takes possession of the goods.

To exercise your right of withdrawal, you must inform us (VenTrade GmbH, Schanzenstraße 38, 51063 Köln, Phone: 0800-46 07 060, Fax: +49 (0) 221 59 68 62 00, Email: secacam@zeiss.com) by means of a clear statement (e.g., a letter sent by post, fax, or email) of your decision to withdraw from this contract. You can use the attached sample withdrawal form, but this is not mandatory.

To comply with the withdrawal period, it is sufficient for you to send the notification of exercising the right of withdrawal before the withdrawal period expires.

Consequences of Withdrawal

If you withdraw from this contract, we will reimburse you for all payments we have received from you, including delivery costs (except for the additional costs arising from your choice of a type of delivery other than the least expensive standard delivery offered by us), without undue delay and in any event not later than 14 days from the day on which we are informed about your decision to withdraw from this contract. We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise. In any case, you will not incur any fees for such reimbursement. We may withhold reimbursement until we have received the goods back or you have supplied evidence of having sent back the goods, whichever is the earliest.

You must return or hand over the goods to us without undue delay and in any event no later than 14 days from the day on which you notify us of your withdrawal from this contract. The deadline is met if you send back the goods before the period of 14 days has expired. You bear the direct costs of returning the goods. You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics, and functioning of the goods.

In the case of sending unfree parcels, you bear the direct costs of the return. The fees paid for the unfree shipment will be deducted when calculating the refund amount.

Exclusion or Early Expiry of the Right of Withdrawal

The right of withdrawal does not apply to contracts for the supply of newspapers, periodicals, or magazines, with the exception of subscription contracts.

Sample Withdrawal Form

(If you wish to withdraw from the contract, please fill out this form and send it)

To

VenTrade GmbH
Schanzenstraße 38
51063 Cologne, Germany
Email: secacam@zeiss.com
Fax: +49 (0) 221 59 68 62 00

I/we (*) hereby revoke the contract concluded by me/us (*) for the purchase of the following goods (*)/the provision of the following service (*)
Ordered on (*)/received on (*)
Name of the consumer(s)
Address of the consumer(s)
Pickup location of the goods (if different from the address of the consumer(s))
Signature of the consumer(s) (only in the case of communication on paper)

Date

(*) Delete as appropriate

Additional Information on the Possible Processing of a Withdrawal:

Prior to returning devices with storage media (e.g., memory cards, etc.), please note that you are generally responsible for data backup. We recommend creating a corresponding backup copy or deleting included personal data, especially that of third parties. If deleting personal data is not possible due to a defect, please expressly inform us of this in the return form.

If deletion is not possible due to a defect, please expressly inform us of the presence of personal data. Please make this clear on the return form.

Please remember to return the goods, including all received parts/accessories, in full.

Your statutory right of withdrawal remains unaffected by the information and instructions in this clause 2 in any case.

4) Prices and Payment Conditions

4.1 Unless otherwise stated in the Seller's product description, the prices quoted are total prices that include statutory value-added tax. Any additional delivery and shipping costs that may arise are separately indicated in the respective product description.

4.2 For deliveries to countries outside the European Union, additional costs may arise in individual cases that the Seller is not responsible for and that the Customer must bear. These include, for example, costs for money transfers by credit institutions (e.g., transfer fees, exchange rate fees) or customs duties or taxes (e.g., customs duties). Such costs may also arise in relation to money transfers, even if the delivery does not occur to a country outside the European Union and the Customer makes the payment from a country outside the European Union.

4.3 The payment option(s) will be communicated to the Customer in the Seller's online shop.

4.4 If advance payment by bank transfer is agreed, payment is due immediately after the conclusion of the contract, unless the parties have agreed on a later due date.

4.5 If the payment method "PayPal Invoice" is selected, the Seller assigns its payment claim to PayPal. Before accepting the Seller's assignment declaration, PayPal conducts a credit check using the transmitted customer data. The Seller reserves the right to refuse the payment method "PayPal Invoice" in the event of a negative credit check result. If PayPal approves the payment method "PayPal Invoice," the Customer must pay the invoice amount to PayPal within 30 days of receiving the goods, unless PayPal specifies a different payment deadline. In this case, the Customer can only make payments to PayPal with debt-discharging effect. The Seller remains responsible for general customer inquiries regarding the goods, delivery time, shipping, returns, complaints, withdrawal declarations and returns, or credits, even in the event of an assignment of claims. The general terms of use for using PayPal's purchase on account apply additionally, accessible at https://www.paypal.com/de/webapps/mpp/ua/pui-terms.

4.6 When selecting the payment method "IP InfinitePay" "Purchase on Invoice," "Direct Debit" (depending on which payment methods are selected), the seller assigns its payment claim to Financial Management Solutions GmbH (under the brand IP InfinitePay). Before accepting the seller's assignment declaration, "IP InfinitePay" conducts a credit check using the transmitted customer data. The seller reserves the right to refuse the payment method "IP InfinitePay" in case of a negative examination result. If "IP InfinitePay" approves the payment method, the customer can only make payments to "IP InfinitePay" with debt-discharging effect. However, the seller remains responsible for general customer inquiries, e.g., regarding the product, delivery time, shipment, returns, complaints, withdrawal declarations and returns, or credits, even in the case of the assignment of claims. In addition, the General Terms of Use for the use of the purchase on account service from "IP InfinitePay" apply, accessible at: https://admin.novalnet.de/Special_conditions_for_payment_guarantee_version7.0.pdf.

5) Delivery and Shipping Conditions

5.1 If the seller offers the shipment of the goods, the delivery will be made within the delivery area specified by the seller to the delivery address provided by the customer, unless otherwise agreed. The delivery address specified in the seller's order processing is decisive for the transaction. However, in the case of selecting the payment method PayPal, the delivery address registered with PayPal at the time of payment is decisive.

5.2 If the delivery of the goods fails for reasons that the customer is responsible for, the customer bears the reasonable costs incurred by the seller. This does not apply to the costs of the initial shipment if the customer effectively exercises the right of withdrawal. For return costs, the regulations made in the seller's withdrawal policy apply if the customer effectively exercises the right of withdrawal.

5.3 If the customer acts as a business entity, the risk of accidental loss and accidental deterioration of the sold goods passes to the customer as soon as the seller has delivered the item to the carrier, the freight forwarder, or the person or institution designated to carry out the shipment. If the customer acts as a consumer, the risk of accidental loss and accidental deterioration of the sold goods generally only passes to the customer upon delivery of the goods to the customer or a person authorized to receive them. However, deviating from this, the risk of accidental loss and accidental deterioration of the sold goods also passes to the customer as a consumer as soon as the seller has delivered the item to the carrier, the freight forwarder, or the person or institution designated to carry out the shipment, if the customer has commissioned the carrier, the freight forwarder, or the person or institution designated to carry out the shipment with the execution and the seller has not previously named this person or institution to the customer.

5.4 The seller reserves the right to withdraw from the contract in case of incorrect or improper self-supply. This only applies if the non-delivery is not the fault of the seller and the seller has concluded a concrete hedging transaction with the supplier with due diligence. The seller will make all reasonable efforts to procure the goods. In the event of unavailability or only partial availability of the goods, the customer will be informed immediately, and the consideration will be refunded promptly.

5.5 Self-collection

After payment via PayPal, customers can also pick up their goods directly from the seller at Schanzenstraße 38, 51063 Cologne. Please verify the payment by presenting the invoice or payment confirmation and refrain from wanting to pay for the goods on-site. We cannot process cash or card payments on-site.

5.6 Gift vouchers are provided to customers as follows:

  • via download
  • via email

6) Retention of Title

If the seller makes advance payments, he reserves the right to retain ownership of the delivered goods until the purchase price owed has been paid in full.

7) Warranty

7.1 Unless otherwise stipulated in the following provisions, the statutory warranty regulations apply. In deviation from this, the following applies to contracts for the delivery of goods:

7.2 If the customer acts as a business entity,

  • the seller has the choice of the type of subsequent performance;
  • the limitation period for defects in new goods is one year from the delivery of the goods;
  • for used goods, rights and claims due to defects are excluded;
  • the limitation period does not restart if a replacement delivery is made within the scope of the warranty.

7.3 The liability limitations and shortened limitation periods specified above do not apply

  • to claims for damages and reimbursement of expenses by the customer,
  • in case the seller has fraudulently concealed the defect,
  • for goods that have been used in accordance with their customary use for a building and have caused its defectiveness,
  • for any existing obligation of the seller to provide updates for digital products in contracts for the delivery of goods with digital elements.

7.4 Furthermore, the statutory limitation periods for any existing statutory recourse claims by the customer as a business entity remain unaffected.

7.5 If the customer acts as a merchant within the meaning of § 1 HGB (German Commercial Code), the commercial duty to inspect and give notice of defects in accordance with § 377 HGB applies. If the customer fails to fulfill the notification obligations regulated there, the goods are deemed approved.

7.6 If the customer is a consumer, it is requested to complain about goods with obvious transport damage to the delivery agent and to inform the seller of this. If the customer fails to do so, this has no effect on his legal or contractual warranty claims.

8) Special Conditions for Repair Services

If the seller is obliged to repair a customer's item according to the contract, the following applies:

8.1 Repair services are provided at the seller's place of business.

8.2 The seller provides its services, at its discretion, either in person or by qualified personnel selected by the seller. The seller may also use the services of third parties (subcontractors) who act on behalf of the seller. Unless otherwise stated in the seller's service description, the customer has no right to choose a specific person to perform the desired service.

8.3 The customer must provide the seller with all information necessary for the repair of the item, unless the procurement of this information is not within the seller's responsibility according to the contract. In particular, the customer must provide the seller with a comprehensive description of the defect and inform him of all circumstances that may be causative for the detected defect.

8.4 Unless otherwise agreed, the customer must send the item to be repaired to the seller's place of business at his own expense and risk. The seller recommends the customer to take out transport insurance to cover the risk of transport damage.

8.5 The customer must inform the seller in writing if the item to be repaired contains personal or confidential data. The customer is responsible for backing up this data before sending the item to the seller for repair.

8.6 The customer is obliged to check the repaired item for correctness, completeness, and functionality immediately after receiving it. If the customer discovers any defects, he must inform the seller in writing without delay.

8.7 If the customer is a business entity, the warranty period for repair services is 12 months from the date of acceptance of the service. If the customer is a consumer, the warranty period is 24 months.

8.8 If the repair is unsuccessful or if the item is irreparable, the seller will inform the customer accordingly. In this case, the seller is entitled to withdraw from the repair contract. Any payments already made by the customer will be refunded promptly.

9) Redemption of Promotional Vouchers

9.1 Vouchers issued by the seller as part of promotional campaigns with a specific validity period and provided free of charge, which cannot be purchased by the customer (hereinafter "Promotional Vouchers"), can only be redeemed in the seller's online shop and only within the specified period.

9.2 Individual products may be excluded from the voucher promotion, provided such exclusion arises from the content of the promotional voucher.

9.3 Promotional vouchers can only be redeemed before the order process is completed. Subsequent offsetting is not possible.

9.4 Only one promotional voucher can be redeemed per order.

9.5 The value of the goods must be at least equal to the amount of the promotional voucher. Any remaining credit will not be refunded by the seller.

9.6 If the value of the promotional voucher is not sufficient to cover the order, one of the other payment methods offered by the seller can be chosen to settle the difference.

9.7 The credit from a promotional voucher will not be paid out in cash or bear interest.

9.8 The promotional voucher will not be refunded if the customer returns the goods, paid for in whole or in part with the promotional voucher, within the scope of their statutory right of withdrawal.

9.9 The promotional voucher is transferable. The seller can discharge the obligation to the respective holder who redeems the promotional voucher in the seller's online shop. This does not apply if the seller is aware of, or negligently unaware of, the lack of authorization, legal incapacity, or lack of authorization of the respective holder.

10) Redemption of Gift Vouchers

10.1 Vouchers that can be purchased through the seller's online shop (hereinafter "Gift Vouchers") can only be redeemed in the seller's online shop, unless stated otherwise in the voucher.

10.2 Gift vouchers and any remaining balances on gift vouchers can be redeemed until the end of the third year after the year of the voucher purchase. Remaining balances will be credited to the customer until the expiration date.

10.3 Gift vouchers can only be redeemed before the order process is completed. Subsequent offsetting is not possible.

10.4 Only one gift voucher can be redeemed per order.

10.5 Gift vouchers can only be used for the purchase of goods and not for the purchase of additional gift vouchers.

10.6 If the value of the gift voucher is not sufficient to cover the order, one of the other payment methods offered by the seller can be chosen to settle the difference.

10.7 The credit from a gift voucher will not be paid out in cash or bear interest.

10.8 The gift voucher is transferable. The seller can discharge the obligation to the respective holder who redeems the gift voucher in the seller's online shop. This does not apply if the seller is aware of, or negligently unaware of, the lack of authorization, legal incapacity, or lack of authorization of the respective holder.

11) Use of Transmitting Cameras

11.1 Reception and Transmission Range

At present, the seller guarantees the reception and transmission range in the following countries:

Germany, Belgium, Bulgaria, Denmark, Estonia, Finland, France (including Réunion and Mayotte), Greece, Ireland, Iceland, Italy, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Austria, Poland, Portugal (including Azores and Madeira), Romania, San Marino, Sweden, Switzerland, Slovakia, Slovenia, Spain (including Canary Islands), Czech Republic, Hungary, United Kingdom (including Channel Islands), Cyprus. The seller reserves the right to adjust the countries where the ZEISS SECACAM service can be used at any time.

11.2 Disclaimer for Reception and Transmission Range

The seller excludes the warranty for the trouble-free sending and receiving of images from ZEISS SECACAM cameras for the following reasons. The reception and transmission function of the ZEISS SECACAM camera may be impaired without the seller having any influence. For example, within enclosed spaces or due to structural conditions, mobile network coverage may be limited. Temporary disruptions or interruptions of the telecommunication systems of the respective network providers, as well as inadequate network coverage, can lead to a failure and breakdown of image transmission. This may result in images not being sent or received by the ZEISS SECACAM Control Center. In all these cases, there is no entitlement to compensation or replacement services.

11.3 Misuse of the SIM card

The SIM card included when purchasing a mobile ZEISS SECACAM camera may only be used with the camera with which the SIM card was delivered by the seller at the time of delivery. Inserting a foreign SIM card may potentially damage the camera and void the warranty.

Any other use of the SIM card in the camera is not permitted. The seller reserves the right to block the corresponding card and prevent the use of the ZEISS SECACAM Control Center by the respective user in case of misuse of the SIM card.

11.4 Deactivation of inactive SIM cards

The seller reserves the right to permanently deactivate SIM cards in ZEISS SECACAM cameras that have not been connected to the seller's Control Center for more than 12 months (i.e., have neither sent images/videos nor been connected to the network). Reactivation is only possible after consultation with the seller's service. For a one-time fee of €29.99, the customer will receive a new SIM card by mail, which must be activated.

11.5 Image Rights

You are responsible for ensuring that the images transmitted by your ZEISS SECACAM camera are free from third-party rights. Our service and ZEISS SECACAM cameras must not be used unlawfully, and all legal regulations must be complied with. The camera should be positioned so that an automatically triggered image capture does not interfere with the protected general right of personality under Article 2 (1) of the German Basic Law (GG).

In the event of a violation against third parties, the customer is directly liable. We only provide the infrastructure necessary for the transmission and reception of images. The customer bears sole responsibility for the resulting recordings. If we are claimed against by a third party, the customer holds us completely harmless from any claim and damage. We reserve the right to delete user accounts at our discretion if there is suspicion of a violation of our terms and conditions. We are not responsible for content created during the use of our products or services.

Please protect your access password to the seller's services. Ensure that others do not have access to it and keep your account information up to date.

11.6 Storage Period of Images

The storage period of images in the ZEISS SECACAM Control Center depends on the chosen subscription. In the "Prepaid Service" and "Basic Subscription," images are stored for two months from the capture date. In the "Premium Subscription," the storage period is 6 months, and in the "Professional Subscription," it is 12 months. After this time, the images are automatically deleted. The seller reserves the right to adjust the storage period of images.

11.7 Waiver of Additional Service Claims

Depending on the subscription, the customer can book additional services. The conditions for using these additional services may include consent to data processing. For example, Animal Recognition and Advanced Hunting Statistics require the evaluation and analysis of images. The evaluation, analysis, and transmission of images constitute data processing subject to consent. Without this consent, these services cannot be offered by the seller for data protection reasons. Accordingly, the user's claim to these services is forfeited. The other contents of the subscription remain valid. There is no entitlement to a reduction in subscription prices. The customer determines the scope of data processing but should not generally be excluded from attractive offers of a subscription because they do not wish for data processing.

11.8 Credit Account

The credit account is not held in euros but in credits. For each sent image, the image credit is reduced by one credit, and for each sent video, it is reduced by 4 credits.

If there are no more credits available, the camera will not send any more images or videos. The ZEISS SECACAM camera continues to capture and store images and videos on the SD card.

You have the option to purchase image quotas (100, 200, 500, 5,000 credits) in the ZEISS SECACAM Control Center. The seller expressly reserves the right to adjust the credit logic and credits per image and video.

11.9 Payment Terms for Credits

You can choose from the following payment terms:

  • PayPal
  • Direct Debit
  • Credit Card

Beyond the costs for the required credits and any costs for service packages (subscriptions) chosen by the customer, we do not charge any additional ongoing costs.

11.10 Push Notifications

Using the app allows you to be informed via push notifications about new captures from your camera. By using the app, you consent to us sending you push notifications related to our products and services. This includes status updates for your camera, new product releases, information about functionalities, and similar matters.

11.11 Termination of Use

You can terminate our services at any time. We reserve the right to terminate the services at our discretion, at a freely chosen date and without prior notice. We may block or prevent your use of the services, for example, if you do not comply with the terms of these terms and conditions or use the services in a way that creates a liability risk for us, interrupts the services, or disrupts the use of the services by others.

11.12 Changes to Services

We reserve the right to expand, restrict, modify, or terminate our services at a freely chosen date and without prior notice. There is no entitlement to the continuation of services.

11.13 Price Changes

We reserve the right to change prices for paid services, such as photo credit, at a freely chosen date and without prior notice.

11.14 Expiry of Credit

The photo credit you have acquired has no expiration date at which it expires. However, your credit may expire if:

  • We dissolve your user account – for example, due to a violation of our terms and conditions,
  • You return the camera to us due to a revocation,
  • You delete your user account,
  • The service is discontinued.

If you privately provide the camera to a third party (e.g., sell it), the camera's credit is transferred. The seller cannot guarantee this.

Payout or refund of credits for images and videos is not possible. Credits can only be purchased through the websites shop.zeiss.com or shop.zeiss.de or the ZEISS SECACAM app. Purchase through third-party retailers or services is not possible.

11.15 Archiving of Captures

There is no entitlement to the archiving of data such as photo or video files. We are not liable for data loss. We reserve the right to delete data with prior notice. The seller may block or delete recordings that violate our terms of use or applicable law without notice.

12) Applicable Law

For all legal relationships between the parties, the law of the Federal Republic of Germany applies, excluding the laws on the international purchase of movable goods. For consumers, this choice of law applies only to the extent that the protection granted is not withdrawn by mandatory provisions of the law of the country in which the consumer has their habitual residence.

13) Jurisdiction

If the customer acts as a merchant, legal entity under public law, or special fund under public law with its registered office in the territory of the Federal Republic of Germany, the exclusive place of jurisdiction for all disputes arising from this contract is the seller's registered office. If the customer's registered office is outside the territory of the Federal Republic of Germany, the seller's registered office is the exclusive place of jurisdiction for all disputes arising from this contract if the contract or claims from the contract can be attributed to the customer's professional or commercial activity. In these cases, however, the seller is also entitled to appeal to the court at the customer's registered office.

14) Alternative Dispute Resolution

14.1 The EU Commission provides an online dispute resolution platform on the internet at the following link: https://ec.europa.eu/consumers/odr This platform serves as a contact point for the out-of-court resolution of disputes arising from online purchase or service contracts in which a consumer is involved.

14.2 The seller is neither obligated nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

Effective Date: 14.11.2023