Terms, privacy, and refunds

1. These Terms, and who we are

Inspirited.com (the “Service”) is operated by Viperion Media, LLC, a Utah limited liability company, at 5513 W 11000 N, Highland, UT 84003, United States (“we”, “us”). These Terms of Service (“Terms”) are a binding agreement between you and us. By creating an account or using the Service you agree to these Terms, to the Privacy Policy and to the Refund Policy, which are part of these Terms. If you do not agree, do not use the Service.

We may change these Terms. When we do, we update the date at the top of this document. For a material change we email the address on your account at least 14 days before the change takes effect. Using the Service after that date means you accept the new Terms. If you do not accept them, close your account before that date.

2. Who may use the Service

• You must be 18 or older. Confirming this when you create an account is a condition of using the Service. We do not knowingly allow anyone under 18 to use it, and we close any such account when we learn of it.
• One account per person, opened in your own name with accurate information.
• You may not use the Service if the law where you live forbids it, if you are barred from receiving services under United States law, or if we previously closed an account of yours for breaking these Terms.
• You are responsible for following every law that applies to you where you are.

3. Your account

Keep your password to yourself. You are responsible for everything done through your account. If you think someone else has used it, email support [at] inspirited [dot] com right away. We may suspend or close an account that breaks these Terms, puts other members or the Service at risk, or stays inactive for a long time (we give notice by email before closing an inactive account).

4. What Inspirited.com is, and what it is not

The Service is a tool for accountability and self-improvement. You declare promises and stake Spark on them, you talk with an AI mentor, you can ask an AI board to rule on a decision, and you can join a community of members who back each other.

The Service is not a financial, investment, legal, tax, accounting, medical, psychological, therapeutic, coaching-for-hire, or any other professional service, and using it creates no professional, fiduciary, or advisory relationship with us or with anyone. We are not licensed in any of those fields. No AI in the Service is.

5. The AI. Read this section.

Everything the mentors, the board, and the Oddsmaker say is generated by artificial intelligence. So are the odds, the rulings, the confidence figures, the remarks, and the nudges. The mentors are simulated characters. They are not people.

“AI MJ” is a character built on the published work of the founder of Inspirited.com, used with his permission. It is not him. The founder does not read, write, or answer conversations in the Service, and nothing an AI mentor says is a statement by him or by any real person. No other mentor is a real person or is connected to one.

AI output can be wrong. It can be incomplete, out of date, biased, or simply made up, and it can sound sure of itself while being wrong. We do not check it for accuracy before you see it.

Nothing the AI says is professional advice. It is not financial, investment, trading, tax, legal, medical, mental-health, relationship, parenting, or career advice. It is not a recommendation to buy, sell, or hold any investment, business, property, or cryptocurrency; to take, change, or stop any medication or treatment; to sign, break, or end any contract; to start or leave any job, business, or relationship; or to do anything else. The AI cannot see your full circumstances.

Odds, rulings, confidence figures, frameworks, and scores are arithmetic and opinion meant to help you think. They are not predictions, promises, or guarantees of any outcome.

Before you act on anything the AI says that involves money, health, safety, law, employment, or another person, verify it yourself and consult a qualified, licensed professional. The AI is not a substitute for one.

Emergencies. The Service is not for emergencies and cannot help you in a crisis. If you are in danger, thinking about harming yourself or someone else, or having a medical emergency, contact your local emergency number or a crisis line right now. In the United States, call or text 988.

6. Your decisions are yours

You decide what to do, and you alone are responsible for your decisions, your actions, and their results — including any loss of money, savings, investments, income, opportunity, time, health, or relationships. You agree that:

• you will not treat the Service or its AI as the basis for any decision, and you take on all risk if you do;
• we are not responsible for what you choose to do after using the Service, whether or not the AI’s output was accurate and whether or not you told the AI about your situation;
• the Service makes no promise that you will keep any promise, reach any goal, make or save any money, or achieve any result.

7. Spark, promises, and duels

Spark is a virtual point system inside the Service. It has no monetary value. It is not currency, property, credit, or an investment. It cannot be bought, sold, given, transferred, redeemed, cashed out, or exchanged for money, goods, services, or anything else of value, inside or outside the Service. Spark is forfeited when your account closes.

Staking Spark on a promise, backing another member’s promise, or entering a duel is a game mechanic. It is not gambling, wagering, or betting, because nothing of monetary value is at stake.

We set the rules of Spark — starting balance, odds, stakes, payouts, forfeits, pushes, lapses, and prizes — and we may change them, correct errors, and adjust or reset balances to keep the Service fair and working.

8. Community rules

Be honest and treat people decently. You are responsible for everything you post. You must not:

• harass, threaten, bully, or intimidate anyone;
• post hateful content, content that promotes violence, or sexual content involving minors, or encourage self-harm;
• share another person’s private information without their permission;
• impersonate anyone, or misrepresent who you are or who you are connected to;
• post spam, scams, pyramid or multi-level schemes, or unsolicited promotion of any product or service;
• post anything illegal, or anything that infringes another person’s rights;
• get around blocks, limits, or safety features;
• scrape or crawl the Service, or use bots, scripts, or other automated access;
• probe, scan, or attack the security of the Service;
• open extra accounts, or work with others, to manipulate Spark, odds, duels, standings, or any other part of the Service.

You choose what you share. Anything you post where other members can see it may be read by them. Use private promises and private notes for what you do not want seen.

The Service has block and report tools. We review reports at our discretion. We may remove content, restrict features, suspend accounts, or close accounts, with or without notice, when we believe these rules were broken or the Service or its members are at risk. We have no duty to monitor the Service, and we do not promise to act on every report.

9. Your content

You own what you write and upload. You give us a worldwide, non-exclusive, royalty-free license to store, copy, display, transmit, and process your content — including sending it to the AI providers named in the Privacy Policy — only as needed to run, secure, and improve the Service and as the Privacy Policy describes. This license ends when your content is deleted, except for copies in backups and records we must keep.

You promise that you have the rights to everything you upload, including your avatar and any text or documents you give a custom advisor.

Some of your content is visible to other members by design: your public name, your record figures, your duel results, and your place in standings. If you create a share link for a promise, anyone with that link can see that promise until you revoke the link.

We do not sell your content. We may use it in de-identified, aggregated form to understand and improve the Service. If you send us feedback or ideas, we may use them without any obligation to you.

10. Our content

The Service — its design, code, text, names, the mentor and Oddsmaker characters, the decision frameworks, and the Inspirited.com and Spark names and logos — belongs to us or our licensors. The founder’s books and other works remain his. We give you a limited, personal, non-transferable license to use the Service under these Terms. You may not copy, sell, rent, modify, reverse engineer, or build a competing product from any part of the Service, and you may not use the Service or its output to train or build an AI model.

11. Copyright complaints

If you believe content in the Service infringes your copyright, send a notice under the Digital Millennium Copyright Act to support [at] inspirited [dot] com or by post to Viperion Media, LLC, 5513 W 11000 N, Highland, UT 84003, United States. Include: your name, address, and email; the work you say is infringed; where the material is in the Service; a statement that you believe in good faith the use is not authorized; a statement, under penalty of perjury, that the notice is accurate and that you are the owner or authorized to act for the owner; and your physical or electronic signature. We may remove the material and tell the member who posted it, who may send a counter-notice. Members who repeatedly infringe lose their accounts.

12. Membership and payment

• Every new account starts with a free trial of Membership: 14 days from the day you create the account, no card required, nothing to cancel. When it ends, your account is on the free plan. Nothing you made is deleted. We email you shortly before the trial ends and again after it has ended.
• The free plan never expires. Membership adds features, at the prices shown when you buy, in United States dollars. We may change prices; we email you at least 30 days before a new price applies to a renewal.
• Payments are processed by Stripe. We never see your full card number. Membership renews automatically at the end of each period, monthly or yearly, until you cancel.
• Cancel any time from Settings. You keep Membership until the end of the period you paid for, then your account returns to the free plan. Nothing is deleted when you downgrade.
• Prices may not include taxes. Where the law requires us to collect tax, we do.
• If a payment fails, Stripe may retry it. If it cannot be collected, Membership ends.
• We may give Complimentary Membership at our discretion and may end it at any time.
• Refunds are governed by the Refund Policy.

13. Third-party services and links

The Service depends on companies we do not control: payment processing (Stripe), email delivery (Postmark), spam protection (Cloudflare), hosting, and the AI providers listed in the Privacy Policy. Their outages or changes can affect the Service, and we are not responsible for them. Members may post links to outside places, such as video calls or websites. We do not control those places and are not responsible for them.

14. Privacy

The Privacy Policy explains what we collect, how we use it, and exactly what is sent to an AI provider. It is part of these Terms.

15. Ending your account

By you. Email support [at] inspirited [dot] com from the address on your account and ask us to delete it. We delete it within 30 days, as the Privacy Policy describes.

By us. We may suspend or close your account for the reasons in the Community rules, for non-payment, when the law requires it, or if we shut down the Service. If we shut down the Service, we give at least 30 days’ notice by email where we practically can.

When your account ends, your Spark is forfeited, any Membership stops at the end of the paid period, and your content is deleted or de-identified as the Privacy Policy describes. Sections that by their nature should survive the end of this agreement do survive, including the sections on the AI, your decisions, Spark, your content, our content, warranties, liability, indemnity, disputes, and governing law.

16. No warranties

The Service is provided “as is” and “as available”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, non-infringement, and uninterrupted or error-free operation. We do not warrant that AI output is accurate, complete, or suitable for you, or that using the Service will lead to any result.

17. Limits on our liability

To the fullest extent the law allows:

• we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost money, lost savings, lost investments, lost business, lost data, or lost opportunities, arising from the Service, from any AI output, or from your reliance on either, even if we were told such damages were possible;
• our total liability for all claims related to the Service is limited to the greater of the amount you paid us in the 12 months before the claim and 100 United States dollars;
• these limits apply under every legal theory — contract, tort, negligence, strict liability, statute, or otherwise.

Some places do not allow some of these limits. There, they apply as far as the law permits.

18. You will cover us

You agree to defend, indemnify, and hold harmless Viperion Media, LLC, its owners, and its people from any claims, losses, liabilities, and costs, including reasonable attorneys’ fees, that arise from your content, your use of the Service, your breach of these Terms or of any law, or decisions and actions you take after using the Service.

19. Disputes: arbitration, no class actions

Talk first. If you have a dispute with us, email support [at] inspirited [dot] com with the subject “Dispute notice”, your account email, and what happened. We each agree to try in good faith to resolve it within 30 days before starting any proceeding.

Binding arbitration. Any dispute not resolved that way is resolved by binding arbitration between you and us individually, administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitrator applies these Terms and Utah law. Arbitration takes place in Utah County, Utah, or by video, phone, or written submissions where the rules allow. The Federal Arbitration Act governs this section. Judgment on the award may be entered in any court with jurisdiction. Fees follow the AAA consumer rules.

No class actions, no jury trials. Claims may be brought only in your own name and not as a plaintiff or member of any class, collective, or representative proceeding. You and we each give up the right to a jury trial. If a court finds the class-action waiver unenforceable for a particular claim, that claim goes to court rather than arbitration, and the rest of this section still applies.

Exceptions. Either of us may bring an individual claim in small-claims court. Either of us may ask a court to stop infringement or misuse of intellectual property or unauthorized access to the Service.

Your 30-day opt-out. You may opt out of this arbitration agreement by emailing support [at] inspirited [dot] com within 30 days of creating your account, with your account email and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.

Where the law does not allow it. If the law where you live does not permit binding arbitration or class-action waivers for consumers (for example, in parts of the European Union and the United Kingdom), this section applies only as far as that law allows, and you keep the right to bring a claim in your local courts.

20. Governing law and courts

The law of the State of Utah governs these Terms, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply. For anything not resolved by arbitration, the state and federal courts in Utah County, Utah have exclusive jurisdiction, and you consent to them. Mandatory consumer-protection laws where you live still apply.

21. Rights the law gives you

Nothing in these Terms removes a right the law where you live gives you and does not let you waive, including under European Union and United Kingdom consumer law and the Australian Consumer Law. Where a part of these Terms conflicts with such a law, that law applies to the extent of the conflict.

22. Other terms

• These Terms, the Privacy Policy, and the Refund Policy are the whole agreement between you and us about the Service.
• If any part of these Terms is found unenforceable, the rest stays in force. If we do not enforce a part, we may still enforce it later.
• You may not transfer your account or these Terms to anyone. We may transfer them to a company that takes over the Service.
• We are not responsible for delays or failures caused by events beyond our reasonable control.
• We send notices to the email address on your account. Send notices to us at support [at] inspirited [dot] com or by post to Viperion Media, LLC, 5513 W 11000 N, Highland, UT 84003, United States. You agree to receive notices, records, and agreements electronically.
• You confirm that you are not on any United States sanctions list and will not use the Service where United States export or sanctions law forbids it.
• California residents: under California Civil Code section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.
• The English version of these Terms controls.

23. Contact us

Viperion Media, LLC, 5513 W 11000 N, Highland, UT 84003, United States. Email support [at] inspirited [dot] com.

1. Who we are

Viperion Media, LLC, 5513 W 11000 N, Highland, UT 84003, United States, operates Inspirited.com and is the controller of the personal information described here. This Privacy Policy covers the website and the Service. Questions and requests go to support [at] inspirited [dot] com.

2. The short version

• We collect what you give us and what the Service records about your promises.
• To generate mentor replies and board rulings, we send your words and your record to an AI company. We never send your email address or payment details.
• We do not sell your information, and we run no advertising trackers.
• Other members see your public name and your record figures. They never see your private promises, your priorities, or your conversations.
• You can get a copy of your data or delete your account by emailing support [at] inspirited [dot] com.
• Your data is stored in the United States. You must be 18 or older.

3. What we collect

Your account. Email address, password (stored only as a one-way hash), name, public username, country, city, time zone, avatar picture, your plan, and, if you buy Membership, the Stripe customer and subscription identifiers. We never store card numbers.

What you write. Your priorities (the 100 points across life areas, your description of your future, your dealbreakers), your promises and progress notes, your comments and backings on other members’ promises, your messages to partners, guilds, and the board chamber, the decisions you describe and your answers, your conversations with your mentor, any custom advisors you create and the material you give them, and any reports you file.

What the Service records. Your Spark ledger, verdicts, streaks, duels, group and guild memberships, notifications, and sign-in times.

Technical information. One session cookie that keeps you signed in. Our server keeps standard access logs (IP address, requested page, browser, time) for a limited period for security. When you use the public contact form, we record your IP address and browser. When you send a bug report from inside the app, we record which page you were on.

Email records. A copy of every email we send you: verification, password reset, security notices, invitations, and replies to your messages.

Invitations. If you invite someone, we keep their email address to send the invitation and to credit you when they join.

Payments. Stripe processes payments and holds your card details under its own privacy policy. We receive your email address, the customer and subscription identifiers, and the status of your subscription.

4. Sensitive information you choose to share

Promises, decisions, and conversations can involve health, relationships, money, religion, sexuality, or other sensitive matters. You decide what to share, and we never require it. When you share sensitive information, you ask us to process it to provide the Service, including sending it to the AI provider as described below, and you consent to that processing. You can withdraw that consent by deleting the content or your account. Decisions that involve matters such as illness or divorce are marked sensitive so the AI is instructed to handle them with care; they are stored and processed the same way as other content.

5. Why we use your information, and the legal bases

• To provide the Service you signed up for — your account, promises, Spark, community, mentor, and board (performance of our contract with you).
• To generate AI replies, odds, and rulings from what you write (performance of our contract; your consent for sensitive information).
• To keep the Service safe, prevent abuse and fraud, enforce the Terms, and defend claims (our legitimate interests in a safe, working Service).
• To run billing and keep the records the law requires (contract and legal duty).
• To send account email — verification, password reset, security notices, notices that your free trial is about to end and that it has ended, invitations you ask us to send, and replies to your messages (contract and legitimate interests). We send no marketing email.
• To improve the Service using de-identified, aggregated data (legitimate interests).
• To comply with the law.

6. AI processing

What we send to the AI provider. To generate a mentor reply, odds, a remark, or a board ruling, we send your display name, your Spark and streaks, your open promises (including private ones, because the AI is reading your own record), recent verdicts, your priorities, your description of your future, your dealbreakers, your partner’s display name, your conversation with the mentor, the decision you describe and your answers, and the mentor’s memory file — an AI-written summary of what it has learned about you.

What we never send. Your email address, password, payment details, or IP address.

The providers. Anthropic (Claude), Google (Gemini), and OpenAI (GPT), all companies in the United States. One provider serves the Service at a time; we choose which, we may switch, and we update this policy when the list changes. We use their business API services under terms that prohibit using your content to train their models. A provider may retain content briefly to monitor for abuse, under its own terms.

Technical logs. We keep a log of each AI request — the text sent and the text returned — for 90 days, to debug the Service and track its cost. After90 days the text is erased automatically and only counts and costs remain. Your own conversations stay in your account and are not affected by this.

The memory file. Your mentor’s memory file is kept while your account exists and is deleted with your account.

7. Who else receives your information

• Stripe (payments): your email address, customer and subscription identifiers, and payment details you enter on Stripe’s pages.
• Postmark (email delivery): your email address and the content of the emails we send you.
• Cloudflare (bot protection on the public contact page): your IP address and browser signals, to check that a message comes from a person.
• ScalaHosting (hosting): our servers and access-restricted backups are hosted in the United States.
• The AI providers named above, as described above.
• Authorities and courts, when the law requires it or when necessary to protect the rights, safety, or property of members, the public, or us.
• A successor, if the company or the Service is sold, merged, or reorganized; your information moves with it under this policy.

We use no analytics services, no advertising networks, and no data brokers. We do not sell personal information and have not done so in the past 12 months, and we do not share it for cross-context behavioral advertising.

8. What other members can see

Other members see your public name (your username, or your name until you choose one), your record figures (keep rate, Spark, streaks), your city and country in the partner list, your place in standings and leaderboards, your duel record, the comments and backings you make, the messages you send them, and the groups and guilds you belong to. A private promise shows other members only its life area, never its words.

Your priorities, your description of your future, your dealbreakers, your private notes, and your conversations with your mentor are never shown to other members. If you create a share link for a promise, anyone with the link can see that promise’s words until you revoke the link.

Our staff can access account data when needed for support, safety, billing, and legal reasons. Reading members’ conversations is not something we do as a practice.

9. Cookies and browser storage

• One cookie, named inspirited_session, keeps you signed in for up to 30 days. It is sent only to us and holds no personal information itself.
• Browser storage on your device remembers preferences such as which sidebar sections you folded, what you have read, and an unsaved draft. It never leaves your browser.
• The public contact page loads Cloudflare Turnstile, which may set its own cookie for the bot check.

We set no tracking or advertising cookies and do not track you across other websites, which is why there is no cookie banner to click.

10. How long we keep your information

• Your account and content: for as long as your account exists.
• AI technical logs: the text for 90 days; counts and costs after that.
• Records of email we sent you and messages you sent us: kept as business records; after your account is deleted they are unlinked from you.
• Billing records: 7 years, as tax and accounting law requires.
• Backups: 14 days, on a rolling basis.
• Server access logs: a limited period, typically a few weeks, for security.
• Reports and blocks: for the life of the accounts involved, so the Service stays safe.

11. Deleting your account, and your rights

See and correct. Most of your information is visible and editable in the Service. For a complete copy in a common file format, email support [at] inspirited [dot] com from your account address; we send it within 30 days.

Delete. Email support [at] inspirited [dot] com from your account address and ask us to delete your account. We verify the request and delete within 30 days: your account, your content, your conversations, the memory file, and the text of your AI logs. Your posts, comments, and backings on other members’ promises are removed and their records recounted. What remains: billing records the law requires, email and AI-cost records unlinked from you, and backup copies for up to 14 days.

European Union, United Kingdom, and Switzerland. You have the rights to access, correct, delete, restrict, and receive a copy of your information, to object to processing based on our legitimate interests, and to withdraw consent at any time without affecting earlier processing. You may complain to your data-protection authority; in the United Kingdom that is the Information Commissioner’s Office.

California. Under the California Consumer Privacy Act you have the rights to know what we collect and how we use and disclose it, to delete it, to correct it, to limit the use of sensitive information (we use it only to provide the Service), and not to be discriminated against for using these rights. We do not sell or share personal information, so there is nothing to opt out of; we honor Global Privacy Control signals as an opt-out request anyway. We do not disclose personal information to third parties for their direct marketing. An authorized agent may make a request for you with your written permission.

Other United States states. Residents of Virginia, Colorado, Connecticut, Utah, Texas, Oregon, and other states with privacy laws have similar rights to access, correct, delete, and receive a copy of their information. If we decline a request, you may appeal by replying to our answer.

Canada, Australia, Brazil, and elsewhere. You have the rights your local law gives you, including access and correction under Canada’s PIPEDA, the Australian Privacy Act (with complaints to the Office of the Australian Information Commissioner), and Brazil’s LGPD (with complaints to the ANPD).

How requests work. Email support [at] inspirited [dot] com. We verify that the request comes from the account’s email address, or ask you to confirm details only the account holder would know. We answer within 30 days, and tell you if we need longer. There is no fee unless a request is clearly excessive. We do not respond to browser Do Not Track signals because we do not track you.

12. Where your information lives

Our servers and our providers are in the United States. If you use the Service from another country, your information is transferred to and processed in the United States. For transfers from the European Union, the United Kingdom, and Switzerland we rely on standard contractual clauses (and the UK addendum) with our processors, and on the necessity of the transfer to provide the Service you asked for. United States law may allow authorities to access data in ways that differ from your home country’s law.

13. Security

Connections use HTTPS. Passwords are stored as one-way hashes. The session cookie is not readable by scripts. Access to servers and backups is restricted to the people who run the Service. No system is perfectly secure; if a breach affects your information, we notify you and the authorities as the law requires.

14. Children

The Service is for adults. We do not knowingly collect information from anyone under 18. If you believe a person under 18 has an account, email support [at] inspirited [dot] com and we will delete it.

15. Changes and contact

When we change this policy we update the date at the top. For a material change we email the address on your account before it takes effect. Questions, requests, and complaints: support [at] inspirited [dot] com, or by post to Viperion Media, LLC, 5513 W 11000 N, Highland, UT 84003, United States.

1. Plans and prices

The free plan costs nothing and never expires. Every new account starts with a 14-day free trial of Membership: no card is taken for it and there is nothing to cancel; when it ends, the account is on the free plan. Membership is billed monthly or yearly at the price shown when you buy, in United States dollars, through Stripe. Membership renews automatically until you cancel.

2. All sales are final

We do not give refunds or credits for a partial period, unused time, unused allowances, or a change of mind. The exceptions are the cases in section 4 below (mistakes, problems, and unwanted renewals) and the rights your local law gives you (section 3). You can cancel any time from Settings. You keep Membership until the end of the period you already paid for, and you are not charged again.

3. Rights the law gives you

• European Union and United Kingdom. If you are a consumer, you have 14 days from a purchase to withdraw. Because Membership starts the moment you buy it, you ask us to begin immediately; if you withdraw within the 14 days, we refund what you paid minus an amount proportionate to the days of Membership you had.
• Australia. Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For a major failure you are entitled to a refund.
• Everywhere. Nothing in this policy removes a right your local law gives you and does not let you waive.

4. Mistakes, problems, and unwanted renewals

If you were charged twice, charged after you canceled, charged the wrong amount, charged on a card you did not authorize, or if a long outage kept you from using Membership, email support [at] inspirited [dot] com within 30 days of the charge. We will refund the error. Additionally, if your Membership renewed and you meant to cancel it, we will refund the renewal charge upon request if you email us within 14 days of said renewal.

5. How to ask

Email support [at] inspirited [dot] com from the address on your account with the date and amount of the charge and what happened. We answer within 5 business days. Refunds go back to the payment method you used; your bank or card may take 5 to 10 business days to show it.

6. Chargebacks

Please contact us before disputing a charge with your bank or card company. A chargeback filed without contacting us first may lead to the account being closed once we review it.

7. Spark

Spark is not money and has no cash value. It is never refunded, and a refund of a Membership charge has no effect on Spark.

8. Changes

When we change this policy we update the date at the top. A change applies to purchases made after that date.