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P.AI.R Program Terms & Conditions of Use

Welcome to the P.AI.R (Power-up your AI Resilience) training and coaching program on pair.nrf.digital developed by Nathalie RAMANANTSOA-FRAT and the parent company CATALYST Consulting (hereby referred to as “The Service Provider(s)”)!
Nathalie RAMANANTSOA-FRAT is a seasoned executive advisor who offers tailored instruction and coaching to AI-powered senior executives through CATALYST Consulting and their Training Institution official registration.

P.AI.R Services

The Service Providers offer through pair.nrf.digital website, the following services (hereinafter referred to as Services or Service):
  • Courses and live training
  • Group Coaching
  • Individual Coaching
  • Tailored assessments

For more information about the Services, you can contact us through the contact information at admin@nrf.digital or our contact page. Our support team will be attentive and available to answer your questions and concerns.
These are the Terms and Conditions of Use for: https://pair.nrf.digital and the associated P.AI.R program (hereby referred to as “Our Website”).
This Agreement sets forth legally binding terms for using pair.nrf.digital website and P.AI.R program.
Please read these Terms and Conditions of Use (hereby referred to as “TCU”) carefully before accessing, using, or obtaining any materials, information, or services from the P.AI.R program.

Article 1. Conclusion of the Contract and Acceptance of Terms

1.1 The purpose of the present TCU is to govern the framework of contractual relations as well as the conditions of provision and use of the Services offered by the Service Provider in the P.AI.R program.

1.2 The Service Provider contact details are:

admin@pair.nrf.digital Mailing Address: CATALYST Conuslitng (P.AI.R) 11 rue Voltaire 93 170 Bagnolet France

1.3 The TCU are concluded between the Service Provider, a France-based company, and any individual or a legal entity under private or public law (hereinafter referred to as "Customer") who has a Customer Account with pair.nrf.digital.

1.4 Only the French version of this contract and the specified special conditions have evidential value between she Service Provider and the Customer. The translations on Our Website are indicative and only the interpretation of the French version will be valid in case of a dispute.

1.5 Terms beginning with a capital letter have the meaning defined in this Contract (also referred to hereby as “Agreement”).

1.6 In order to use P.AI.R Services, you must accept these TCU.
We invite you to read them carefully. If you do not understand them or if you do not accept them, even partially, you must not use the Services offered in P.AI.R program.
The use of the Services also implies the Customer's acceptance of existing special conditions, that is, conditions linked to each activated Service or associated apps used. The latter shall prevail if any contradiction with the TCU should arise. Together with the TCU, they form a contract (hereinafter the "Contract").

1.7 By using pair.nrf.digital website and P.AI.R program, you agree to be bound by these TCU, our Privacy Policy and our Program Agreement

1.8 If you do not accept the terms of this Agreement, you should leave pair.nrf.digital website immediately and not enrol in the P.AI.R Program.
You agree to be bound by any modification to this Agreement when you use Our Website and Program after such modification is posted; it is, therefore, important that you review this Agreement regularly.

1.9 We may modify this Agreement in the future, which shall be effective upon its posting on pair.nrf.digital.

1.10 The Service Provider links to other Internet sites that are not under its management. The Customer acknowledges that the Service Provider has no control over the content of these sites and that the present TCU does not govern them.

1.11 The Service Provider reserves the right to modify without prior notice, at any time and by right, the present TCU, the special conditions and the appendices (associated documents) to the present Contract. These modifications are immediately applicable to all new orders for Services. Concerning the services in use, the customer is notified via the community platform that the present TCU and the special conditions in force must be modified. Changes to the TCU or the special conditions shall come into force immediately. If the Customer does not accept the modifications made to the Contract, they must cease all use of the Services offered within thirty (30) days following the notification of the update. In the event of continued use of the Services concerned, the modifications made will be considered accepted. Finally, changes in third-party product conditions and legal or regulatory compliance may occur immediately. Note that the Service Provider does not control them.

1.12 Where applicable, the appendix relating to the processing of Customer data, available on “Our Website” (see: Privacy Policy), forms an integral part of the Contract.

Article 2 – Customer Account

2.1 After the first order and accepting the Program Agreement, the Customer must create an Account on the pair.nrf.digital website and provide certain information allowing him to be identified, at least. The Contact Information should include:
• First and last name, • e-mail address, • Postal address, • And a valid mobile phone number at which they can be reached. In this respect, the Customer undertakes to provide true, accurate, and complete information and keep it up to date in the event of a change.

2.2 The Customer keeps all their passwords, magic links, and sensitive data secret, allowing them to use or access P.AI.R Services. The Customer must inform The Service Provider when they receive information about unauthorised persons having access to such information or if they have reasons to suspect unauthorised use by one or more of these users. If unauthorised third parties use the P.AI.R Services through the Customer's Account, it is the Customer's sole responsibility. The Service Provider can block access to an Account if there are sufficient reasons to suppose that unauthorised persons use it. The Service Provider will inform the Customer without delay of any measures taken.

2.3 The Customer shall be solely responsible for any loss, including indirect, incidental, special, or consequential damages, incurred by either party due to loss, theft, unauthorised disclosure, unauthorised manipulation, alteration, deprivation of use or any other compromise of the identifiers or passwords used by Customer or its users.

2.4 By submitting an online order for a Service, the Customer acknowledges they have previously checked the suitability of the Service for their needs and that they have received from the Service Provider, if necessary, all the information and advice that they needed to subscribe to the Contract in full knowledge of the facts.

2.5 Eligibility: You may use Our Website and the Program only if you can form a binding contract with the Service Provider, and only in compliance with these terms and all applicable laws, rules and regulations.

2.6 The Customer understands and accepts that the Service Provider sends important notifications by email or SMS using the contact details provided by the Customer and that, in the context of its use, even if it is passive, of the Services, regular communication with the Service Provider is essential for the proper functioning of the Services. Any message broadcast via the Customer Account or the Community Platform on P.AI.R Learning Management Platform that is not followed by a reaction from the Customer within one month after it is posted will be considered as tacitly read and accepted by the Customer as regards any subsequent consequences.

2.7 The Agreement shall apply irrespective of any deletion or addition of Services or the entry into force of new special conditions. The new special conditions applied to a Service shall not affect those applicable to the other Services.

2.8 The final deletion of the Customer Account shall result in the termination of the entire Agreement.

Article 3 - Communications between the Parties

3.1 By accepting this Agreement, the Customer acknowledges that any exchange of information, notice or demand under the Agreement between the parties shall be by electronic mail.
The following shall also be deemed to be valid means of communication:
  • To the Customer: by SMS for course updates
  • To The Service Provider: by registered letter with acknowledgement of receipt to:

CATALYST Consulting (P.AI.R Program),
11 rue Voltaire
93170 Bagnolet –France

Article 4 – Change and Termination

4.1 We may change the website and these terms at any time, in our sole discretion and without direct notice to you (the update will be shared in the P.AI.R Community platform).
You are responsible for remaining knowledgeable about these terms. Your continued use of the site constitutes your acceptance of any changes to these terms, and any changes will supersede all previous versions of the terms. Unless otherwise specified herein, all changes to these terms apply to all users and take effect immediately.

4.2 The Contract is concluded for an indefinite period and remains in force until it is terminated by one of the Parties. The Customer may terminate the Contract anytime by ending their Services, which will also terminate the entire Account from the Our Website learner’s dashboard.

4.3 We may terminate this Agreement with you under these terms at any time by notifying you in writing (including by email).

Article 5 – Payments and Terms of Payment

5.1 Payments must be made according to the terms agreed upon in the order form before the Customer can access Our Website and follow our Program.

5.2 All payments on Our Website are handled securely through Stripe and its different payment options.
Upon processing a transaction, we will send you an electronic receipt of purchase, based on the billing details you shared on Stripe, to the address you provided.

5.3 Payments can be made by credit card, debit card, or PayPal. The Service Provider reserves the right to limit the available means of payment on a case-by-case basis.

5.4 In the case of payment by credit card, the Customer declares and guarantees that they are authorised to use the credit card(s) that may be debited for the payment of the P.AI.R program related to the Customer. Suppose the customer's credit card is replaced by a payment processor (e.g., PayPal) linked to the credit card. In that case, the Customer acknowledges and accepts that the Service Provider is authorised to debit the credit card linked to the payment processor to pay for the P.AI.R Services linked to the Customer.

5.5 Depending on their place of residence and the applicable legal requirements, the price applied is subject to a specific VAT.
The Stripe platform dynamically applies required VAT charges based on the customer's place of residence and VAT information.
Customers residing in the European Union and having a VAT number or intra-community VAT number can be exempted from VAT by indicating this information in the dedicated field of the order form parameters.

5.6 The Service Provider may modify its prices at any time, without prior notice, by publishing a new price structure on its Website and/or by notifying the Customer by e-mail. The price changes are applicable immediately to new orders.

Article 6 – Refund Policy & Money-back satisfaction guarantee

6.1 “The Service provider” offers a fourteen (14) day satisfaction and Money-Back guarantee. If, during the first 14 days, the “Customer” is not satisfied with the service delivered, they can request a full refund.

6.2 To get refunded, the Customer must send their weekly assignment to pair@nrf.digital.

6.3 The purchase amount will be credited within 2 to 4 weeks to the payment method used at the time of the order.

6.4 Payments for the service are not refundable in the event of service interruption due to Force Majeure or other external causes other than the exclusive responsibility of The Service Provider.

Article 7 – The Service Provider Obligations & Responsibilities

7.1 For all the services provided, the Service Provider undertakes to deliver per the profession's practices and with reasonable skill and care, but does not give any guarantees of outcome, as results depend on your personal level of commitment.

7.2 Because of the nature of the Internet, the Service Provider maintains the website on an “as is”, “as available” basis and makes no promise that use of Our Website will be uninterrupted or entirely error-free. We are not responsible to you if we cannot provide our Internet services for any reason beyond our control.

7.3 Our Website may occasionally contain links to other websites that are not under our control and are not maintained by us. These links are provided for your convenience only, and we are not responsible for the content of those sites.

7.4 Except as provided above, the Service Provider can give no other warranties, conditions or other terms, express or implied, statutory or otherwise. All such terms are hereby excluded to the maximum extent permitted by law.

7.5 Accuracy and timeline: We do not guarantee that the information available on Our Website is accurate, complete or immediately updated. Any use of the material provided on this website must consider that critical caveat.

7.6 The Service Provider will not be liable in any amount for failure to perform any obligation under this Agreement if such failure is caused by any unforeseen event beyond its reasonable control, including Internet outages, communications outages, fire, flood, or war. In particular, the Service Provider cannot be held responsible in the event of:
  • Fault, negligence, omission or default of the Customer.
  • Fault, negligence or omission of a third party over which the Service Provider has no control.
  • Force majeure, event or incident beyond the control of The Service Provider and over which The Service Provider has no control.
  • Termination of the Service for any cause referred to by the Service Provider for failure to comply with this Contract.
  • Partial or total destruction of the information transmitted or stored due to errors attributable directly or indirectly to the Customer.
  • Misuse of the Services by the Customer; total or partial non-compliance with an obligation and/or failure of the operators of the transport networks to the Internet world, and in particular the Internet Service Providers (ISPs);
  • The Customer's use of the Service(s) in violation of applicable law.


7.7 Subject as aforesaid, to the maximum extent permitted by law, the Service Provider excludes liability for any loss or damage of any kind howsoever arising, including, without limitation, any direct, indirect or consequential loss, whether or not such loss arises out of any problem you notify The Service Provider. The Service Provider shall have no liability to pay any money by way of compensation, including, without limitation, all liability in relation to:
  • Any incorrect or inaccurate information on pair.nrf.digital website and courses
  • Any interruptions to or delays in updating pair.nrf.digital website and program
  • The infringement by any person of any Intellectual Property Rights of any third party caused by their use of Our Website or any service purchased through the website
  • Any loss or damage resulting from your use or the inability to use Our Website or resulting from unauthorised access to, or alteration of your transmissions or data in circumstances which are beyond our control
  • Any loss of profit, wasted expenditure, corruption or destruction of data or any other loss which does not directly result from something we have done wrong
  • Any amount or kind of loss or damage due to viruses or other malicious software that may infect a user’s computer equipment, software, data or other property caused by persons accessing or using content from Our Website, or from transmissions via emails or attachments received from pair@nrf.digital.
  • All representations, warranties, conditions and other terms which but for this notice would have effect.

Article 8 – Customer’s Obligations and Responsibilities

8.1 Relating to Customer’s Account Management and Security components: You understand that pair.nrf.digital website, training, and software embodied within the P.AI.R program may include security components that permit digital materials to be protected, and the use of these materials is subject to usage rules set by the Service Provider and/or content providers who provide content to the P.AI.R platform. You may not attempt to override, disable, circumvent or otherwise interfere with any such security components and usage rules embedded into Our Website.

8.2 Relating to Intellectual Property and general copyright: All content included on pair.nrf.digital website, such as text, graphics, logos, button icons, images, video, audio clips, data compilation, and software, is protected by international copyright laws. The compilation of all content on this site, as well as the bespoke apps and Custom-GPTs used throughout P.AI.R, is the exclusive property of the Service Provider and is protected by international copyright laws.
Please refer to our Program Agreement for further details.
  • You have no authorisation to copy, transmit, distribute, display, republish, post, or upload content from Our Website in any way without our prior written approval, or as stated otherwise on our site.
  • You may print a copy of your worksheets and transcripts strictly for personal use only. By doing so, you also consent not to directly or indirectly change or remove any copyright, trade name, service mark, trademark, or other proprietary information shown on any of our content. Any alterations or use of content outside these TCU guidelines violates intellectual property rights. When accessing Our Website, you do not own any rights or titles to our content or other intellectual properties


8.3 Prohibited activities: The content and information available on our Our Website (including, but not limited to, data, information, text, music, sound, photos, graphics, video, maps, icons or other material), as well as the infrastructure used to provide such Content and information, is proprietary to the Service Provider or licensed to CATALYST Consulting by third parties. For all content other than your content, you agree not to otherwise modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software or services obtained from or through the website. Additionally, you agree not to:
  • Share your personal ID, password or magic link to the P.AI.R program with anyone.
  • Access, monitor, reproduce, distribute, transmit, broadcast, display, sell, license, copy or otherwise exploit any content of the Services, including but not limited to, using any robot, spider, scraper or other automated means or any manual process for any purpose not under this Agreement or without our express written permission
  • Violate the restrictions in any robot exclusion headers on the Services or bypass or circumvent other measures employed to prevent or limit access to the Services
  • Take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure
  • Deep-link to any portion of the Services for any purpose without our express written permission
  • Frame, mirror or otherwise incorporate any part of the services into any other websites or services without our prior written authorisation
  • Attempt to modify, translate, adapt, edit, decompile, disassemble, or reverse engineer any software programs used by the Service Provider in connection with the services provided through the P.AI.R program
  • Circumvent, disable or otherwise interfere with security-related features of the Services or features that prevent or restrict use or copying of any Content or
  • Download any Content unless it’s expressly made available for download by the Service Provider.
    • You will be responsible for any breach of these terms by you, and if you use Our Website in breach of these terms, you will be liable to and will reimburse the Service Provider for any loss or damage caused as a result.


These terms do not affect your statutory rights as a consumer, which are available to you.

Article 9 – Cooky Policy

Our website uses cookies and analytics technologies as described in our Cookies Policy, which is incorporated by reference into these terms.

Article 9 –P.AI.R & Third Parties

9.1 pair.nrf.digital website and courses may contain Content (photos, videos, etc…) of third-party licensors to the Service Provider, which is protected by copyright, trademark, patent, trade secret and other laws. The Service Provider, owns and retains all rights, title and interest in the Content. The Service Provider, hereby grants to you a limited, revocable, non-sublicensable license to stream and/or view the Content and any third party Content located on or available through Our Website (excluding any software code therein as set forth above) solely for your personal, non-commercial use in connection with viewing P.AI.R Content and using the Service.

9.2 Any dealings with third parties included within or on pair.nrf.digital website and courses involving the delivery of and payment for goods and services, or any other terms, conditions, warranties, or representations associated with such third parties, are solely between you and that third party. The Service Provider is neither responsible nor liable for any part of such dealings or promotions. Any reference to any third party on pair.nrf.digital website and courses are provided to you for informational purposes only. The Service Provider encourages you to conduct research and due diligence regarding third parties and their products and services. The service provider works to ensure the information on Our Website and courses is correct; you are responsible for checking for third-party updates before committing.

9.3 You agree to defend and indemnify the Service Provider from and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including but not limited to reasonable legal and accounting fees, brought by third parties as a result of:
  • Your breach of this Agreement or the documents referenced herein.
  • Your violation of any law or the rights of a third party.

Article 10 –Personal Data

Any personal information you post on or otherwise submit in connection with the Services and the use of the platform will be used in accordance with our Privacy Policy. Our Privacy Policy is written according to the GDPR (General Data Protection Regulation—European regulation) and the California Online Privacy Protection Act (CalOPPA—U.S regulation). Please refer to our Privacy Policy.

Article 11– Force Majeure

11.1 “Force Majeure” is defined as an unforeseeable and/or unavoidable event beyond the control of the Service Provider.

11.2 The Service Provider will not be held liable if the performance of the Contract, or of any obligations incumbent on the Service Provider under this Contract, is prevented, limited or disturbed due to, but not limited to:, failure of the transmission networks, breakdown of public services or telecommunications, collapse of installations, epidemic, pandemic, natural disaster, earthquake, flood, power failure, fire, explosion, war, embargo, law, injunction, request or demand of any government, strike, boycott, withdrawal of authorisation of the telecommunication operator, or any other circumstance beyond the control of the Service Provider.

11.3 The Service Provider, subject to prompt notification to the Customer, shall be excused from performing its obligations to the extent of such impediment, limitation or disruption. The Customer shall likewise be excused from the performance of its obligations to the extent that the obligations of this party relate to the performance so impeded, limited or disrupted, provided that the Party so affected shall use its best efforts to avoid or remedy such causes of non-performance and that both Parties shall proceed promptly once such causes have ceased or been removed.

11.4 The Party affected by an event of Force Majeure shall keep the other Party regularly informed of the prognosis for the removal or reinstatement of the Force Majeure event.

11.5 If the effects of Force Majeure last longer than 30 days from the date of notification to the other Party, the contract may be terminated by operation of law at the request of either Party without either side being entitled to compensation. 11.6 For all practical purposes, the financial impossibility for the Customer to pay the costs relating to P.AI.R services can never be considered a case of Force Majeure.

12– Suspension of Service

12.1 Suppose the Customer fails to fulfil one or more of its contractual obligations as set out in these terms and conditions and/or any legal or regulatory provision in force, or at the request of a competent judicial or administrative authority. In that case, the Service Provider reserves the right to suspend, immediately and without prior notice, all or part of the Services, as well as the Customer’s Account and, consequently, the Customer's access to the Services, without this suspension giving rise to any right to compensation.

12.2 In the event of a notification, complaint, action, lawsuit or other legal procedure received by or against the Service Provider, relating to the use of the Services by the Customer, if the Service Provider believes, in good faith, that the present Contract is not being respected and that the Customer could remedy this through any corrective action, the latter will be asked to take all the necessary measures in order to remedy the situation. If the Servive Provider considers that the situation represents a plausible risk of prejudice and/or if the Customer does not respond to the request addressed to it, the Service Provider will take all the measures it deems necessary, including, but not limited to, the suspension of the Services and the Customer’s Account, to defend its interests.

12.3 The Customer dashboard may also be temporarily suspended due to maintenance.

12.4 The suspension of the Services does not lead to the suspension of the Customer's payment obligations. It will not give rise to the payment of any compensation by the Service Provider, including for the direct or indirect consequences that could result (such as, but not limited to, loss of a chance, contracts, business, income or profits) or to engage the responsibility of the Service Provider under the conditions provided for in the Obligations and Duties of The Service Provider.

12.5 Suspension of services does not lead to the deletion of the Customer's data. Suppose they are the result of a failure by the Customer to fulfil their obligations. In that case, the aforementioned suspensions are without prejudice to the Service Provider’s right to terminate the Contract under the conditions set out in the article "Termination".

12.6 Any suspension shall continue until the cause of the suspension has been removed.

13– Termination

13.1 A service may be terminated by operation of law on its expiry date, or at the request of the Customer, who may terminate the Services at any time. Any suspension, termination, or suppression of the Service under the conditions determined in the present article will not entail any compensation to the Customer's benefit, whether they use the Service or not. Furthermore, the Service Provider will keep all the amounts paid by the Customer.

13.2 Termination for Default: In the event of a breach by one of the Parties of one or other of its obligations under this Contract, not remedied within a reasonable period of time following either an e-mail sent by the complaining Party notifying the breaches in question, or any other form of communication provided for in the Contract, sent by the said Party, the present Contract will be terminated by operation of law, without prejudice to any possible damages that may be claimed from the defaulting Party, the date of dispatch of the notification being taken as proof. If it deems it necessary, the Service Provider can also notify all competent public authorities (governmental, police or control authorities) of any violation it has noted or that has been notified to it.

13.3 The Service Provider may also terminate the Contract with the Customer with immediate effect if proceedings have been initiated against the Customer in the event of bankruptcy or insolvency, and at the request of the competent authorities.

14-Dispute and Litigation

14.1 The Service Provider and the Customer will endeavour to settle amicably any dispute concerning the interpretation or execution of the present Contract. Any complaint must be addressed in accordance with the article Communications between the Parties.
The Parties agree to attempt resolution through good-faith negotiation or, if necessary, through mediation with a mutually agreed-upon provider before initiating formal legal proceedings. Once all amicable means of redress have been exhausted, the Customer can sue the Service Provider in court.

14.2 In accordance with the provisions of this Contract, in the event of a dispute or pre-litigation concerning a Service between the Customer and a third party, it is expressly agreed between the Service Provider and the Customer that the latter will remain solely responsible for settling this dispute.
14.3 No Contract stipulation shall be interpreted as limiting the Service Provider's liability in the event of fraud or serious misconduct.

14.4 Evidence Agreement: For this Contract, the Parties agree that writing in electronic form is accepted as a probative medium in the same way as writing on paper. It is agreed that the data from the information system of the Service Provider, its subcontractors, such as connection logs, consumption statements, order and payment summaries, incident management reports, call recordings, or others, are fully opposable to all parties, including in the context of legal proceedings.

15-Autonomy of Provisions

15.1 If one of the provisions of the Contract should be declared illegal, null or inapplicable, this nullity will not affect the other clauses, which will retain their full effect and scope.

15.2 In this case, the Service Provider undertakes to replace the invalid or unenforceable clause with a valid clause that corresponds most closely to the spirit and purpose of the clause, so that the Parties’ common intention is preserved.

16- Jurisdiction and Applicable Law

16.1 The Customer complies with French and EU laws throughout the life of the Contract.

16.2 The Service Provider will endeavour to respect the judgements of the competent authorities of the OECD member countries.

16.3 Any dispute relating to this contract, its conclusion, execution, or interpretation, failing an amicable solution, shall be governed exclusively by French law and EU rules. The exclusive place of jurisdiction is Bobigny, subject to recourse to the Tribunal of Commerce of Bobigny.

16.4 You acknowledge and agree that you and the Service Provider are each waiving the right to a trial by jury or to participate as a plaintiff or class in any purported class action or representative proceeding. Further, unless you and the Service Provider otherwise agree in writing, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of any class or representative proceeding.

17– Final Provisions

17.1 Use of Our Website is unauthorised in any jurisdiction that does not give effect to all provisions of these terms, including, without limitation, this paragraph.

17.2 Our performance on these terms is subject to existing laws and legal process, and nothing contained in these terms limits our right to comply with law enforcement or other governmental or legal requests or requirements relating to your use of our Platform or information provided to or gathered by us concerning such use.

17.3 Suppose any part of these terms is invalid, illegal or unenforceable. In that case, the validity, legality and enforceability of the remaining provisions will not in any way be affected or impaired. Our failure or delay in enforcing any provision of these terms at any time does not waive our right to enforce the same or any other provision(s) hereof in the future.

17.4 Any rights not expressly granted herein are reserved.
Effective: 20 May 2025 — Version 1.0.

18– Related Documents

This Legal Notice should be read in conjunction with our: 
Terms and Conditions https://pair.nrf.digital/program-agreement/
Privacy Policy https://pair.nrf.digital/program-agreement/
Legal Notice https://pair.nrf.digital/program-agreement/
Program Agreement https://pair.nrf.digital/program-agreement/

P.AI.R Privacy Policy (V1.0)
This Privacy Policy was last updated on 20 May 2025 and is effective as of that date.
© 2025 Nathalie RAMANANTSOA-FRAT | All Rights Reserved