22. Dispute Resolution (Optional Arbitration; Class Action Waiver)

22.1 Informal Resolution First

The parties agree to first attempt to resolve any dispute, controversy, or claim arising out of or relating to these Terms or the Services (a “Dispute”) through good-faith negotiations. Either party may initiate such discussions by written notice. The parties will have thirty (30) days from notice to attempt informal resolution before pursuing formal proceedings.

22.2 Arbitration (Optional)

If a Dispute cannot be resolved informally, either party may elect to submit the matter to confidential, binding arbitration:

l The arbitration shall be conducted under the Hong Kong International Arbitration Centre (HKIAC) Administered Arbitration Rules in force when the Notice of Arbitration is submitted.

l The seat of arbitration shall be Hong Kong.

l The tribunal shall consist of one arbitrator, unless the parties agree otherwise.

l The arbitration language shall be English.

l The award rendered shall be final and binding, and judgment may be entered in any court of competent jurisdiction.

Arbitration shall not apply to claims for injunctive or equitable relief concerning intellectual property or unauthorized use of the Services, which may be brought in court.

22.3 Class Action Waiver

To the maximum extent permitted by law, you and GEOReport agree that:

l Disputes will be resolved only on an individual basis;

l Neither party shall participate as a plaintiff or class member in any purported class, collective, or representative action;

l The arbitrator may not consolidate claims or preside over any form of representative proceeding.

22.4 Consumer Rights Exception

If you qualify as a consumer under applicable law, nothing in this Section shall deprive you of any rights to bring claims in your local courts where such rights cannot be waived by agreement.