Privacy and Participation Requirements for Children and Minors

This policy forms part of the legal framework governing use of Moris AI Schools websites, accounts, programs, classes, counselling, internships, certificates, institutional services and related digital functions. It applies together with any program-specific, institution-specific or transaction-specific written terms that lawfully govern the relevant interaction.

References to Moris AI Schools in this policy include Moris Media LLC where that variable identifies the contracting or operating entity. Users in United States remain subject to applicable law, including mandatory rights and obligations that cannot lawfully be excluded, limited or waived by contract.

A website page, dashboard status, automated notification, email, provisional communication or technical record does not by itself create a contractual entitlement, admission, internship, certificate, refund, employment relationship or other legal right unless the applicable written terms and applicable law provide otherwise.

This section governs purpose and scope for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

References to Moris AI Schools in this policy include Moris Media LLC where that variable identifies the contracting or operating entity. Users in United States remain subject to applicable law, including mandatory rights and obligations that cannot lawfully be excluded, limited or waived by contract.

This section governs definition of a minor for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Where the participant is a minor under applicable law, Moris AI Schools may require parent or guardian consent, authority, identity information or other safeguards before enabling particular activities. The age at which a person may consent independently can vary by United States and by the type of processing or service involved.

This policy forms part of the legal framework governing use of Moris AI Schools websites, accounts, programs, classes, counselling, internships, certificates, institutional services and related digital functions. It applies together with any program-specific, institution-specific or transaction-specific written terms that lawfully govern the relevant interaction.

This section governs age requirements for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

This policy forms part of the legal framework governing use of Moris AI Schools websites, accounts, programs, classes, counselling, internships, certificates, institutional services and related digital functions. It applies together with any program-specific, institution-specific or transaction-specific written terms that lawfully govern the relevant interaction.

This section governs parent or guardian role for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Where the participant is a minor under applicable law, Moris AI Schools may require parent or guardian consent, authority, identity information or other safeguards before enabling particular activities. The age at which a person may consent independently can vary by United States and by the type of processing or service involved.

A website page, dashboard status, automated notification, email, provisional communication or technical record does not by itself create a contractual entitlement, admission, internship, certificate, refund, employment relationship or other legal right unless the applicable written terms and applicable law provide otherwise.

This section governs consent and authorisation for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

Where a third-party provider, institution, host organisation, payment provider, software service, hardware supplier or communication platform is involved, its own terms and responsibilities may also apply. Moris AI Schools does not assume obligations belonging to an independent third party unless expressly accepted in writing or imposed by applicable law.

This section governs account creation for minors for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Where the participant is a minor under applicable law, Moris AI Schools may require parent or guardian consent, authority, identity information or other safeguards before enabling particular activities. The age at which a person may consent independently can vary by United States and by the type of processing or service involved.

References to Moris AI Schools in this policy include Moris Media LLC where that variable identifies the contracting or operating entity. Users in United States remain subject to applicable law, including mandatory rights and obligations that cannot lawfully be excluded, limited or waived by contract.

This section governs information we may collect for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

This policy forms part of the legal framework governing use of Moris AI Schools websites, accounts, programs, classes, counselling, internships, certificates, institutional services and related digital functions. It applies together with any program-specific, institution-specific or transaction-specific written terms that lawfully govern the relevant interaction.

This section governs educational and participation data for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Personal information must be handled consistently with the Privacy Policy, Data Protection and User Rights policy and applicable law. Collection, access, disclosure and retention should be proportionate to the relevant purpose. Users must not record, disclose or misuse another person's confidential or personal information without a lawful basis or required permission.

Moris AI Schools may maintain proportionate records to administer services, verify compliance, protect students and institutions, prevent fraud, investigate disputes, meet legal obligations and preserve the integrity of official records. Access should be limited according to role, purpose and applicable security controls.

This section governs identity and age verification for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Information and documents must be genuine, current, accurate and attributable to the person or institution presenting them. Forged, fabricated, altered, borrowed, manipulated or materially misleading records may lead to rejection, suspension, termination, certificate action or other proportionate measures. A person must not conceal a material fact where disclosure is required for eligibility, safety, payment, assessment or verification.

Moris AI Schools may maintain proportionate records to administer services, verify compliance, protect students and institutions, prevent fraud, investigate disputes, meet legal obligations and preserve the integrity of official records. Access should be limited according to role, purpose and applicable security controls.

This section governs parent or guardian information for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Where the participant is a minor under applicable law, Moris AI Schools may require parent or guardian consent, authority, identity information or other safeguards before enabling particular activities. The age at which a person may consent independently can vary by United States and by the type of processing or service involved.

Where a third-party provider, institution, host organisation, payment provider, software service, hardware supplier or communication platform is involved, its own terms and responsibilities may also apply. Moris AI Schools does not assume obligations belonging to an independent third party unless expressly accepted in writing or imposed by applicable law.

This section governs use of information for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

A website page, dashboard status, automated notification, email, provisional communication or technical record does not by itself create a contractual entitlement, admission, internship, certificate, refund, employment relationship or other legal right unless the applicable written terms and applicable law provide otherwise.

This section governs learning platforms and technology for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Technology-assisted functions may produce errors, incomplete results or outputs that require human review. Users remain responsible for checking information before relying on it for academic, professional or administrative purposes. External tools, models, APIs or platforms are subject to their providers' terms, availability and technical limitations.

A website page, dashboard status, automated notification, email, provisional communication or technical record does not by itself create a contractual entitlement, admission, internship, certificate, refund, employment relationship or other legal right unless the applicable written terms and applicable law provide otherwise.

This section governs cookies and similar technologies for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

References to Moris AI Schools in this policy include Moris Media LLC where that variable identifies the contracting or operating entity. Users in United States remain subject to applicable law, including mandatory rights and obligations that cannot lawfully be excluded, limited or waived by contract.

This section governs third-party services for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

Where a third-party provider, institution, host organisation, payment provider, software service, hardware supplier or communication platform is involved, its own terms and responsibilities may also apply. Moris AI Schools does not assume obligations belonging to an independent third party unless expressly accepted in writing or imposed by applicable law.

This section governs institution-managed participation for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

A website page, dashboard status, automated notification, email, provisional communication or technical record does not by itself create a contractual entitlement, admission, internship, certificate, refund, employment relationship or other legal right unless the applicable written terms and applicable law provide otherwise.

This section governs classes and live sessions for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

Where a third-party provider, institution, host organisation, payment provider, software service, hardware supplier or communication platform is involved, its own terms and responsibilities may also apply. Moris AI Schools does not assume obligations belonging to an independent third party unless expressly accepted in writing or imposed by applicable law.

This section governs counselling and meetings for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

Moris AI Schools may maintain proportionate records to administer services, verify compliance, protect students and institutions, prevent fraud, investigate disputes, meet legal obligations and preserve the integrity of official records. Access should be limited according to role, purpose and applicable security controls.

This section governs internships and work-based learning for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Participation in education, counselling or an application process does not guarantee internship selection, employment, placement, salary, income, employer response or a particular career outcome. Decisions made by independent employers, host organisations or institutions remain their responsibility. Any specific commitment must appear in an applicable written agreement and remains subject to eligibility and lawful conditions.

Where a third-party provider, institution, host organisation, payment provider, software service, hardware supplier or communication platform is involved, its own terms and responsibilities may also apply. Moris AI Schools does not assume obligations belonging to an independent third party unless expressly accepted in writing or imposed by applicable law.

This section governs photography video voice and recordings for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Personal information must be handled consistently with the Privacy Policy, Data Protection and User Rights policy and applicable law. Collection, access, disclosure and retention should be proportionate to the relevant purpose. Users must not record, disclose or misuse another person's confidential or personal information without a lawful basis or required permission.

A website page, dashboard status, automated notification, email, provisional communication or technical record does not by itself create a contractual entitlement, admission, internship, certificate, refund, employment relationship or other legal right unless the applicable written terms and applicable law provide otherwise.

This section governs student projects and content for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

A website page, dashboard status, automated notification, email, provisional communication or technical record does not by itself create a contractual entitlement, admission, internship, certificate, refund, employment relationship or other legal right unless the applicable written terms and applicable law provide otherwise.

This section governs communications with minors for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Where the participant is a minor under applicable law, Moris AI Schools may require parent or guardian consent, authority, identity information or other safeguards before enabling particular activities. The age at which a person may consent independently can vary by United States and by the type of processing or service involved.

This policy forms part of the legal framework governing use of Moris AI Schools websites, accounts, programs, classes, counselling, internships, certificates, institutional services and related digital functions. It applies together with any program-specific, institution-specific or transaction-specific written terms that lawfully govern the relevant interaction.

This section governs safety and moderation for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Conduct must remain lawful, respectful and compatible with a safe learning and professional environment. Harassment, threats, discriminatory abuse, sexual misconduct, stalking, deliberate disruption, unauthorised access, fraud, impersonation and conduct that materially risks another person's safety or rights may result in immediate protective or disciplinary action.

This policy forms part of the legal framework governing use of Moris AI Schools websites, accounts, programs, classes, counselling, internships, certificates, institutional services and related digital functions. It applies together with any program-specific, institution-specific or transaction-specific written terms that lawfully govern the relevant interaction.

This section governs prohibited contact or conduct for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Conduct must remain lawful, respectful and compatible with a safe learning and professional environment. Harassment, threats, discriminatory abuse, sexual misconduct, stalking, deliberate disruption, unauthorised access, fraud, impersonation and conduct that materially risks another person's safety or rights may result in immediate protective or disciplinary action.

Moris AI Schools may maintain proportionate records to administer services, verify compliance, protect students and institutions, prevent fraud, investigate disputes, meet legal obligations and preserve the integrity of official records. Access should be limited according to role, purpose and applicable security controls.

This section governs payments by or for minors for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Unless a more specific written term or mandatory law provides otherwise, a refund request must be made within seven days of the applicable payment or enrolment date. After that period, fees are non-refundable. A refund may be considered where Moris AI Schools elects not to provide the purchased program, class, internship or contracted service. No refund is due for fraud, fake or altered documents, material misrepresentation, misconduct or policy violations to the extent permitted by applicable law. Payments made independently to an unauthorised third party are not treated as payments to Moris AI Schools.

Where a third-party provider, institution, host organisation, payment provider, software service, hardware supplier or communication platform is involved, its own terms and responsibilities may also apply. Moris AI Schools does not assume obligations belonging to an independent third party unless expressly accepted in writing or imposed by applicable law.

This section governs refunds and violations for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Unless a more specific written term or mandatory law provides otherwise, a refund request must be made within seven days of the applicable payment or enrolment date. After that period, fees are non-refundable. A refund may be considered where Moris AI Schools elects not to provide the purchased program, class, internship or contracted service. No refund is due for fraud, fake or altered documents, material misrepresentation, misconduct or policy violations to the extent permitted by applicable law. Payments made independently to an unauthorised third party are not treated as payments to Moris AI Schools.

References to Moris AI Schools in this policy include Moris Media LLC where that variable identifies the contracting or operating entity. Users in United States remain subject to applicable law, including mandatory rights and obligations that cannot lawfully be excluded, limited or waived by contract.

This section governs data access and correction for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Personal information must be handled consistently with the Privacy Policy, Data Protection and User Rights policy and applicable law. Collection, access, disclosure and retention should be proportionate to the relevant purpose. Users must not record, disclose or misuse another person's confidential or personal information without a lawful basis or required permission.

This policy forms part of the legal framework governing use of Moris AI Schools websites, accounts, programs, classes, counselling, internships, certificates, institutional services and related digital functions. It applies together with any program-specific, institution-specific or transaction-specific written terms that lawfully govern the relevant interaction.

This section governs retention and deletion for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

References to Moris AI Schools in this policy include Moris Media LLC where that variable identifies the contracting or operating entity. Users in United States remain subject to applicable law, including mandatory rights and obligations that cannot lawfully be excluded, limited or waived by contract.

This section governs security for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

A website page, dashboard status, automated notification, email, provisional communication or technical record does not by itself create a contractual entitlement, admission, internship, certificate, refund, employment relationship or other legal right unless the applicable written terms and applicable law provide otherwise.

This section governs cross-border processing for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

A website page, dashboard status, automated notification, email, provisional communication or technical record does not by itself create a contractual entitlement, admission, internship, certificate, refund, employment relationship or other legal right unless the applicable written terms and applicable law provide otherwise.

This section governs legal disclosures for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

References to Moris AI Schools in this policy include Moris Media LLC where that variable identifies the contracting or operating entity. Users in United States remain subject to applicable law, including mandatory rights and obligations that cannot lawfully be excluded, limited or waived by contract.

This section governs parent or guardian requests for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Where the participant is a minor under applicable law, Moris AI Schools may require parent or guardian consent, authority, identity information or other safeguards before enabling particular activities. The age at which a person may consent independently can vary by United States and by the type of processing or service involved.

References to Moris AI Schools in this policy include Moris Media LLC where that variable identifies the contracting or operating entity. Users in United States remain subject to applicable law, including mandatory rights and obligations that cannot lawfully be excluded, limited or waived by contract.

This section governs withdrawal of consent for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

This policy forms part of the legal framework governing use of Moris AI Schools websites, accounts, programs, classes, counselling, internships, certificates, institutional services and related digital functions. It applies together with any program-specific, institution-specific or transaction-specific written terms that lawfully govern the relevant interaction.

This section governs applicable law for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

Moris AI Schools may maintain proportionate records to administer services, verify compliance, protect students and institutions, prevent fraud, investigate disputes, meet legal obligations and preserve the integrity of official records. Access should be limited according to role, purpose and applicable security controls.

This section governs policy changes for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

Moris AI Schools may maintain proportionate records to administer services, verify compliance, protect students and institutions, prevent fraud, investigate disputes, meet legal obligations and preserve the integrity of official records. Access should be limited according to role, purpose and applicable security controls.

This section governs contact for Moris AI Schools. Requirements are applied according to the nature of the program, account, application, internship, certificate, institution relationship or service involved, and may differ where a specific written agreement states additional lawful conditions.

Moris AI Schools may establish reasonable procedures, deadlines, evidence requirements and administrative controls for this subject. Users must follow published instructions and provide information reasonably required to administer the service. Where a decision materially affects access or eligibility, Moris AI Schools may review relevant records and apply proportionate action consistent with the applicable terms.

References to Moris AI Schools in this policy include Moris Media LLC where that variable identifies the contracting or operating entity. Users in United States remain subject to applicable law, including mandatory rights and obligations that cannot lawfully be excluded, limited or waived by contract.