Terms and conditions

1.1 These Terms of Service (the "Terms") govern the use of the Platform by every person who registers an account, submits a request, makes an offer, places an order or otherwise uses the Platform, whether through the website, WhatsApp or another messaging channel, the REST API or the MCP server (each a "User").

1.2 Definitions used in these Terms:

• Operator — Banbosh Studio, Petr Knobloch, company ID 06535666, seated in Praha, CZ, who operates the Platform as an online intermediation service.
• Provider — a User who offers services, online consultations, goods or work through the Platform. A Provider always acts as an entrepreneur (business) towards the Operator and, unless the Provider's profile expressly states otherwise, also towards Customers.
• Customer — a User who requests or orders a service, consultation or goods through the Platform. A Customer may be a consumer or a business.
• Consumer — a natural person who, outside the scope of their trade, business or profession, concludes a contract with a Provider or uses the Platform.
• Agent — a software program (an AI agent or another automated system) that uses the Platform through an API key on behalf of a Principal.
• Principal — the natural or legal person who registered an Agent and on whose behalf the Agent acts. The Principal is a Customer for the purposes of these Terms.
• Request — a description of a service, consultation or goods a Customer wants, including the place, the time window and other parameters, published on the Platform.
• Offer — a binding proposal by a Provider to perform a Request for a stated price and at a stated time.
• Job — the contract between a Customer and a Provider formed by the acceptance of an Offer or by an instant booking, and all data the Platform stores about it.
• Service Contract — the contract between a Customer and a Provider for the service, consultation or goods described in a Job. The Operator is not a party to the Service Contract.
• Escrow — the amount of the Job price authorised or collected from the Customer by the Payment Provider and held until it is released under these Terms.
• Payment Provider — Stripe Payments Europe, Ltd. and its affiliates, which process payments, hold funds and pay out to Providers under their own terms.
• Commission — the Operator's fee of 8 % of the Job price, deducted from the amount paid out to the Provider.
• Confirmation Window — the period of 48 hours after the Provider reports a Job as done, during which the Customer can confirm the Job or open a complaint.

1.3 The Terms are available in English, Czech and Slovak. The English version is the source text; in the event of a conflict between language versions, the version in the language of the country in which the Consumer has their habitual residence prevails for that Consumer, and otherwise the English version prevails.

1.4 The Privacy Policy and the Complaints Policy form part of these Terms.

2.1 The Operator provides an online intermediation service within the meaning of Regulation (EU) 2019/1150 (the "P2B Regulation") and an online platform within the meaning of Regulation (EU) 2022/2065 (the "Digital Services Act"). The Platform allows Customers, including Agents acting for Principals, to find Providers, to receive Offers, to conclude Service Contracts and to pay for them through the Payment Provider.

2.2 The contract between the Operator and a User is an innominate contract under Section 1746(2) of Act No. 89/2012 Coll., the Czech Civil Code (the "Civil Code"), whose content is set out in these Terms. It is concluded when the User creates an account, submits a Request, sends an Offer or, for an Agent, when the Principal registers the Agent and accepts the Terms.

2.3 The Operator is not a party to any Service Contract. The Operator does not perform the services, does not sell the goods and does not give the consultations offered on the Platform. The Provider alone is responsible for the performance of the Service Contract, for its quality, for compliance with the law, for holding every licence, authorisation, qualification and insurance the work requires, and for the tax and accounting treatment of its income.

2.4 The Operator does not guarantee that any Request will receive an Offer, that any Offer will be accepted, or that a Provider will be available at a given time. Price estimates, category suggestions and other outputs generated by the Platform's AI models are informational only and are not Offers.

2.5 The Operator acts as a commercial agent of the Provider solely for the purpose of receiving payment from the Customer through the Payment Provider. Payment of the Job price by the Customer to the Payment Provider discharges the Customer's payment obligation towards the Provider to that extent. The Operator does not itself hold, control or transfer Customer funds; all funds are held and moved by the Payment Provider, a licensed payment institution.

3.1 Registration is free of charge for Customers, Providers and Agents. A User must be at least 18 years old and have full legal capacity, or act through a legal representative.

3.2 The User must provide true, complete and current information and keep it up to date. A Provider must state its legal name, business registration number where it has one, registered address, VAT status and, for regulated professions, the licence or registry number that authorises it to perform the offered service. The Operator may verify these details against public registers (in Czechia ARES, in Slovakia the Register of Legal Entities, RPO) and professional registries, and may ask for supporting documents.

3.3 Providers may register and operate their account through WhatsApp or another messaging channel. Messages sent from the phone number registered to the account are attributed to the Provider. The Provider must protect that phone number and inform the Operator immediately if it loses control of it.

3.4 The User is responsible for all activity on its account, including activity by employees, subcontractors and Agents it has authorised. Access credentials and API keys are confidential and may not be shared.

3.5 One person may hold one Customer account and one Provider account. Additional accounts require the Operator's consent.

4.1 A Principal may register one or more Agents and receive an API key for each of them. By registering an Agent, the Principal accepts these Terms on its own behalf and confirms that every action taken through the Agent's API key is the Principal's own action. Requests, Offers, acceptances, confirmations, payments and complaints made by an Agent bind the Principal in the same way as if the Principal had made them personally.

4.2 The Principal must set a spending limit for each Agent. The Platform refuses any action that would exceed the limit. The Principal can change the limit at any time; a change applies to future actions only. The Principal remains bound by actions taken within the limit that was in force at the time of the action.

4.3 The Platform keeps an audit log of every action taken by an Agent, including the time, the parameters and the result. The Principal can read the audit log at any time. The audit log is the decisive record of what the Agent did.

4.4 The Payment Provider charges the Job price to the payment method registered by the Principal. The Principal must ensure that a valid payment method is available; a Job cannot be created if authorisation fails.

4.5 An Agent must identify itself as an automated system when communicating with Providers where the Platform does not already do so. An Agent may not be used to scrape the Platform, to place Requests without an intention to contract, to circumvent rate limits or budgets, or to interfere with other Users.

4.6 The Operator provides a sandbox environment with separate test keys. Nothing done with a test key creates a Job, a payment or any other obligation. The Principal must not use live keys for testing.

4.7 Where the Principal is a Consumer, the Consumer provisions of these Terms apply to Jobs the Agent orders for the Principal. The Operator treats a Principal as a business where the Agent was registered with a business identifier or the Principal declared a business purpose.

5.1 Request and Offer. A Customer publishes a Request. The Platform sends the Request to selected Providers (see Section 11). A Provider may respond with an Offer stating the price, the time and, where relevant, what the price includes. An Offer is binding on the Provider until it is withdrawn, until the Customer accepts another Offer, or until the time stated in the Offer passes, whichever comes first. A Provider can withdraw an Offer at any time before the Customer accepts it.

5.2 Acceptance. The Service Contract is concluded when the Customer accepts an Offer on the Platform and the Payment Provider successfully authorises the Job price. If authorisation fails, no Service Contract is formed. The Platform confirms the conclusion of the Service Contract to both parties, and the confirmation contains the agreed price, time, place and scope.

5.3 Instant booking. A Provider who has enabled instant booking publishes a price list and availability. When a Customer selects a slot and the Payment Provider authorises the price, the Service Contract is concluded immediately. The Provider may decline an instant booking within 30 minutes of receiving it; if it does, the Service Contract is cancelled, the authorisation is released and the Customer is informed.

5.4 Content of the Service Contract. The Service Contract consists of the Request, the accepted Offer (or the booked price-list item), any changes both parties agreed on the Platform, and the mandatory provisions of the law. Anything agreed outside the Platform is not part of the Job, is not covered by Escrow and is not subject to the Operator's dispute procedure.

5.5 Changes. If the scope of work changes after the Service Contract is formed, the Provider must propose the change and the new price on the Platform, and the Customer must accept it there. Additional work performed without such acceptance is at the Provider's risk.

5.6 Contract language and storage. The Service Contract may be concluded in English, Czech or Slovak. The Operator stores the Job data and makes it accessible to both parties in their account for the retention period stated in the Privacy Policy.

6.1 Prices on the Platform are stated in the currency of the country in which the service is performed, as set for that country by the Operator. Price ranges shown on category and city pages are indicative estimates derived from published market rates and completed Jobs; they are not Offers.

6.2 The binding price is the price stated in the accepted Offer or the booked price-list item. The Provider states prices including value added tax where the Provider is a VAT payer, and states its VAT status in its profile. Every price shown to a Consumer is the final price including all taxes and charges.

6.3 The Provider alone is responsible for issuing a tax document or invoice to the Customer for the Job price, for registering for and remitting VAT, income tax and any other tax, and for any electronic sales reporting obligation. The Operator does not issue invoices for the Job price on behalf of the Provider. The Operator issues the Provider a tax document for the Commission.

6.4 The Customer pays nothing to the Operator. The Operator's only remuneration is the Commission paid by the Provider.

7.1 Payment is processed exclusively by the Payment Provider. Payments outside the Platform are prohibited for Jobs formed on the Platform; a Provider who requests or accepts payment outside the Platform for such a Job commits a material breach of these Terms.

7.2 Authorisation. When a Service Contract is formed, the Payment Provider authorises the Job price on the Customer's payment method (manual capture). The amount is reserved but not yet collected. If the authorisation lapses before the Job is done, the Platform may ask the Customer to re-authorise, and the Provider may suspend performance until it succeeds.

7.3 Release. The Job price is captured and released to the Provider, less the Commission:

• when the Customer confirms on the Platform that the Job is done; or
• automatically at the end of the Confirmation Window, if the Customer has neither confirmed nor opened a complaint within 48 hours after the Provider reported the Job as done; or
• in accordance with the Operator's decision in a dispute under Section 9.

7.4 Commission. The Operator charges the Provider a Commission of 8 % of the Job price actually released to the Provider. The Commission is charged only on Jobs that were completed and paid. No Commission is charged on cancelled Jobs, on refunded amounts or on the Customer's side. The Commission rate is stated in the Provider's account and in these Terms; the Operator may change it under Section 16, and a change never applies to Jobs already formed.

7.5 Payout. The Provider must complete onboarding with the Payment Provider (Stripe Connect Express) and accept the Stripe Connected Account Agreement and the Stripe Services Agreement before it can receive payouts. The Operator instructs the Payment Provider to transfer the released amount less the Commission to the Provider's connected account without undue delay after release, normally within two business days. The Payment Provider pays out to the Provider's bank account according to its own payout schedule, typically within a further seven days for a new account. The Operator is not responsible for delays caused by the Payment Provider, by incomplete onboarding or by a bank.

7.6 Chargebacks and reversals. If the Customer's bank reverses a payment after it has been released, the Provider must return the released amount to the Operator on request, unless the reversal was caused by the Operator. The Operator may set off such amounts against future payouts.

7.7 Payment Provider requirements. The Payment Provider may require identification documents, tax information and other data from the Provider and may hold, delay or refuse payouts under its own terms and applicable anti-money-laundering law. The Provider will provide such information without delay.

7.8 The Operator holds no Customer funds. Escrow is held by the Payment Provider. The Operator's role is limited to instructing the Payment Provider when to capture, release, refund or transfer amounts under these Terms.

8.1 Cancellation before performance starts. Either party may cancel a Job on the Platform at any time before the Provider starts performing. The authorisation is released or the amount is refunded in full, and no Commission is charged. A Provider who repeatedly cancels accepted Jobs may be restricted under Section 12.

8.2 Cancellation after performance starts. If the Customer cancels after the Provider has started performing, the Provider is entitled to a proportional part of the price for the part of the service already performed and for materials already used in accordance with the Service Contract. If the parties do not agree on the amount, the Operator decides under Section 9.

8.3 Provider's no-show. If the Provider does not appear within the agreed time window and has not agreed a new time with the Customer on the Platform, the Customer may cancel the Job with a full refund and may record the no-show in the Provider's statistics.

8.4 Consumer's right of withdrawal — Czechia. A Consumer with habitual residence in Czechia may withdraw from a Service Contract concluded at a distance without giving a reason within 14 days of its conclusion (Section 1829 of the Civil Code). By accepting an Offer or booking a slot that falls within those 14 days, the Consumer expressly requests that the Provider starts performing before the withdrawal period expires and acknowledges that, once the service has been fully performed, the Consumer loses the right of withdrawal (Section 1837(a) of the Civil Code). If the Consumer withdraws after performance has started but before it is completed, the Consumer pays a proportional part of the price for what was performed until withdrawal (Section 1834 of the Civil Code).

8.5 Consumer's right of withdrawal — Slovakia. A Consumer with habitual residence in Slovakia may withdraw from a Service Contract concluded at a distance without giving a reason within 14 days of its conclusion (Section 20 of Act No. 108/2024 Coll., on Consumer Protection). By accepting an Offer or booking a slot that falls within those 14 days, the Consumer expressly consents to the performance beginning before the expiry of the withdrawal period and declares that it has been informed that it loses the right of withdrawal once the service has been fully performed (Section 19(1)(a) of that Act). If the Consumer withdraws after performance has started but before it is completed, the Consumer pays the Provider for the performance actually provided in proportion to the total price (Section 21(5) of that Act).

8.6 Withdrawal is exercised by cancelling the Job on the Platform, by a message to the Operator at hello@fordeal.ai, or by any other unambiguous statement addressed to the Provider through the Platform. A model withdrawal form is available from the Operator on request. The Operator forwards a withdrawal to the Provider and processes the refund through the Payment Provider within 14 days of the withdrawal.

8.7 The withdrawal rights in Sections 8.4 and 8.5 do not apply to Customers who are businesses, including Principals that registered an Agent for a business purpose.

8.8 Refunds are made through the Payment Provider to the payment method used for the Job. The Operator does not make refunds in cash or to another account.

9.1 A Customer who is not satisfied with a Job should open a complaint on the Platform, ideally within the Confirmation Window. A complaint opened within the Confirmation Window stops the release of Escrow until it is resolved. The procedure, the deadlines and the possible outcomes are described in the Complaints Policy.

9.2 The Operator decides complaints concerning the amount held in Escrow: full release to the Provider, partial release with a partial refund, full refund, or a redo of the work by the Provider where both parties agree. The Operator's decision is based on the Job data, the messages exchanged on the Platform, the evidence submitted by both parties and the mandatory provisions of the law. The Operator may use AI models to summarise the evidence and to propose an outcome; every decision is taken by a person.

9.3 The Operator's decision concerns only the money held in Escrow and the Platform's records. It is not an arbitration award, it does not decide the rights and obligations between the Customer and the Provider under the Service Contract with final effect, and it does not prevent either party from pursuing its claims against the other in court or through an alternative dispute resolution body.

9.4 Alternative dispute resolution for Consumers. A Consumer may submit a dispute with a Provider, or with the Operator concerning the use of the Platform, to the competent body for alternative dispute resolution of consumer disputes:

• in Czechia, the Czech Trade Inspection Authority (Česká obchodní inspekce), Štěpánská 796/44, 110 00 Praha 1, www.coi.cz, or another body listed by the Ministry of Industry and Trade;
• in Slovakia, the Slovak Trade Inspection (Slovenská obchodná inšpekcia), Bajkalská 21/A, 827 99 Bratislava, www.soi.sk, or another entity authorised for alternative dispute resolution under Act No. 391/2015 Coll., listed by the Ministry of Economy of the Slovak Republic.

The European online dispute resolution platform established by Regulation (EU) No 524/2013 was discontinued on 20 July 2025 by Regulation (EU) 2024/3228 and is no longer available.

9.5 Complaints by Providers about the Platform. A Provider may complain to the Operator about any decision, restriction, suspension, ranking, technical issue or other matter concerning the Platform through the internal complaint-handling system described in the Complaints Policy. The Operator acknowledges the complaint, examines it and communicates the outcome with reasons within 30 days. The Operator is willing to engage with a mediator to settle disputes with Providers that could not be resolved internally; the Operator names at least one mediator in the Complaints Policy.

10.1 The Provider must:

• perform the Job personally or through employees or subcontractors for whom it is fully responsible, with professional care, at the agreed time and for the agreed price;
• hold and, on request, prove every trade licence, professional authorisation, registry membership and insurance that the law requires for the offered service, and inform the Operator immediately if any of them expires or is withdrawn;
• state prices truthfully, including VAT where applicable, and issue the Customer a tax document or invoice;
• respond to Requests, confirmations and messages without undue delay, and keep its availability current;
• report a Job as done only when the agreed scope has been performed, and attach evidence (typically a photo) where the Platform asks for it;
• communicate with the Customer about the Job through the Platform, and never ask the Customer to pay outside the Platform or to move a Job formed on the Platform off the Platform;
• treat the Customer's personal data, address, keys and property with care, use them only for the Job, and comply with the GDPR as an independent controller for the data it receives;
• comply with the law on consumer protection, product safety, work safety and any regulation applicable to its profession.

10.2 A Provider who performs regulated professions (for example medical, legal, tax, financial or construction professions) confirms that it is authorised to do so in the country where the service is performed and that it complies with the rules of its professional body. The Operator may require the registry number and may suspend the Provider until it is verified.

10.3 Providers whose profile shows a company identifier are verified against the public business register of their country. The Provider must keep its registered details current. A Provider whose registration is cancelled must stop offering services on the Platform.

10.4 The Provider grants the Operator a non-exclusive, worldwide, royalty-free licence to use the name, logo, photos, descriptions and price lists the Provider uploads for the purpose of displaying, promoting and distributing the Provider's profile and Offers on the Platform, in search engines, in AI assistants and in the Operator's machine-readable interfaces, for as long as the Provider's account exists and for a reasonable time afterwards for archived Jobs.

11.1 When a Customer publishes a Request, the Platform selects a limited number of Providers (normally three to five) to receive it and orders Offers and Provider profiles for the Customer. The main parameters that determine this selection and order, in decreasing order of importance, are:

• the match between the Request's category and the Provider's categories;
• the distance between the place of performance and the Provider's location or service radius;
• the Provider's declared availability for the requested time window;
• the Provider's statistics from Jobs completed on the Platform: on-time rate, price-kept rate, completion rate, average rating and response time;
• for new Providers with no history, the completeness and verification status of the profile.

11.2 The Operator does not sell ranking. No Provider can pay for a better position, and no Provider is favoured because of a commercial relationship with the Operator. The Operator does not offer goods or services on the Platform in competition with Providers.

11.3 Statistics are calculated only from Jobs actually performed and paid through the Platform. The Provider can see its own statistics and the general description of how they affect its ranking in its account.

11.4 Customers can sort and filter Offers themselves; a Customer's choice always prevails over the Platform's ordering.

12.1 A User may close its account at any time. Closing the account does not affect Jobs in progress, Escrow already held, the Commission on Jobs already released, or the retention of records required by law.

12.2 The Operator may restrict, suspend or terminate a User's account, or restrict the visibility of a Provider's profile, if the User:

• provides false information or fails verification;
• requests or accepts payment outside the Platform for a Job formed on the Platform;
• repeatedly cancels accepted Jobs, does not appear or reports Jobs as done that were not done;
• receives repeated substantiated complaints, or a serious complaint concerning safety, fraud or discrimination;
• breaches the law, the rights of third parties or these Terms;
• misuses the API, exceeds rate limits or budgets, or interferes with the Platform's operation;
• is required to be removed by law, a court or an authority.

12.3 Reasons. When the Operator restricts or suspends a Provider, it informs the Provider on a durable medium, at the latest at the moment the restriction or suspension takes effect, with a statement of the facts and circumstances that led to the decision and the provision of these Terms that applies. When the Operator terminates a Provider's account, it gives the reasons at least 30 days before the termination takes effect, except where the Operator is subject to a legal obligation that requires immediate termination, where the Provider has repeatedly breached these Terms, or where a legal or regulatory reason prevents disclosure. The Provider may contest the decision through the internal complaint-handling system in Section 9.5.

12.4 Suspended Providers do not receive new Requests and their profiles are not shown. Jobs in progress are completed or cancelled as the Operator decides in the interest of the Customer.

12.5 The Operator may terminate the contract with any User with 30 days' notice without giving a reason, and may cease operating the Platform in a country or altogether with 60 days' notice. Escrow for Jobs in progress is settled under these Terms.

13.1 A Customer may review a Provider only after a Job was completed and paid through the Platform. The review consists of a rating and an optional text and is published under the Customer's first name or a pseudonym.

13.2 The Operator does not edit reviews. It removes a review only if it is unlawful, contains personal data of third parties, offensive language, content unrelated to the Job, or if the Operator finds that the review was not written by the Customer of the Job. A Provider may respond to a review publicly.

13.3 Reviews and statistics are not transferable between Providers and cannot be bought, sold or exchanged. Any attempt to influence reviews by payment, threat or reward is a material breach of these Terms.

14.1 Online consultations. A consultation offered on the Platform is an explanation and a professional opinion given at a distance. Unless the consultant's profile expressly states otherwise, it is not a medical examination, it does not establish a doctor–patient or attorney–client relationship beyond the scope of the consultation, and it does not produce prescriptions, sick notes, certificates or documents with legal effect. A consultation must never be used in an emergency; in an emergency, call the emergency services.

14.2 Goods. Where a Provider sells goods through the Platform, the Provider is the seller and is responsible for the description, the conformity of the goods, delivery, and the statutory warranty. The Escrow is released after the Customer confirms receipt or after the Confirmation Window following the recorded delivery. Where the seller is not acting as a business, consumer protection law does not apply between the parties and the Platform says so on the listing.

14.3 Work and micro-tasks. Persons who offer work or perform micro-tasks through the Platform act as independent Providers. The Platform does not create an employment relationship between the Provider and the Customer, the Principal or the Operator. Customers who wish to employ a person must conclude an employment contract outside the Platform.

15.1 The Operator is liable for operating the Platform with professional care and for instructing the Payment Provider correctly under these Terms. The Operator is not liable for the performance of any Service Contract, for the quality, safety or lawfulness of any service, consultation or goods, for the truthfulness of the information Providers publish, for damage caused by a Provider or a Customer to the other party, or for the content of a consultation.

15.2 The Operator does not warrant uninterrupted availability of the Platform. The Operator may suspend the Platform for maintenance, security or legal reasons and will announce planned interruptions in advance where possible.

15.3 Towards Users who are businesses, the Operator's total liability for all claims arising from the use of the Platform in a calendar year is limited to the total Commission the Operator received from that User in that year. This limitation does not apply to damage caused intentionally or by gross negligence, or to liability that cannot be limited by law.

15.4 Nothing in these Terms limits the rights of Consumers under mandatory law, the Operator's liability for damage caused intentionally or by gross negligence, or its liability for injury to health.

15.5 The Operator is not liable for the actions of an Agent towards its Principal. The Principal is solely responsible for the configuration, the instructions and the behaviour of the Agents it registers.

16.1 The Operator may change these Terms to reflect changes in the law, in the Platform's functions, in the Payment Provider's terms, in the Commission or in the way the Platform operates.

16.2 The Operator notifies Users of a change on a durable medium (e-mail, WhatsApp or the account) and publishes the new version on the Platform with the new version number and effective date. For Providers, the change takes effect no earlier than 15 days after the notification; a longer period applies where the Provider needs to make technical or commercial adaptations. The 15-day period does not apply where the change is required by law or is necessary to address an unforeseen and imminent danger to the security of the Platform or its Users.

16.3 A User who does not agree with a change may terminate the contract with the Operator before the change takes effect. Continued use of the Platform after the effective date means acceptance of the change. Jobs formed before the effective date are governed by the version in force when they were formed.

16.4 Every version of the Terms is archived and available from the Operator on request.

17.1 The contract between the Operator and a User is governed by the law of the Czech Republic. If the User is a Consumer with habitual residence in another Member State of the European Union, this choice of law does not deprive the Consumer of the protection afforded by provisions that cannot be derogated from by agreement under the law of that Member State (Article 6(2) of Regulation (EC) No 593/2008).

17.2 A Service Contract between a Customer and a Provider is governed by the law of the country in which the service is performed, unless the parties agreed otherwise on the Platform and the mandatory protection of the Consumer is preserved.

17.3 Disputes between the Operator and a User who is a business are decided by the courts of the Czech Republic with jurisdiction according to the Operator's registered seat. Disputes with Consumers are decided by the courts with jurisdiction under Regulation (EU) No 1215/2012 or under the Consumer's national law.

17.4 The supervisory authority for the Operator's consumer-law obligations is the Czech Trade Inspection Authority. Where the Operator's activities in Slovakia are concerned, the Slovak Trade Inspection is also competent.

18.1 The Operator may assign its rights and obligations under these Terms to a successor entity that continues to operate the Platform; Users will be notified. Users may not assign their account.

18.2 If a provision of these Terms is invalid or unenforceable, the remaining provisions remain in force, and the invalid provision is replaced by a valid provision that comes closest to its purpose.

18.3 Communications between the Operator and Users take place through the account, by e-mail to the address on file, or by message to the phone number on file. Notices to the Operator are sent to hello@fordeal.ai.

18.4 These Terms are version 2026-09 and take effect on October 1, 2026. Earlier versions are superseded for contracts formed on or after that date.