Privacy Policy

In accordance with the PIPA, the Company collects and uses personal information within the minimum scope necessary to provide the Service. The processing and retention period for each category of personal information follows the tables in this Chapter, and records that must be preserved under other statutes are stored separately in accordance with Chapter 3.

1. Personal information processed with the consent of the data subject (mandatory items)

For the activities below, the Company informs you of the personal information required for that activity at the time you apply for it and processes that information with your consent. Consent for the items required for membership registration and consent for the items required for customer support are obtained separately.

If you do not enter a nickname, your registered name is used as your display name. If a member who signed up with an email address does not enter a name, the account part of the email address is used as the display name. Registration of a nickname and of additional contact details is explained under the optional items in paragraph 3 (additional profile and contact registration).

2. Personal information processed without the consent of the data subject

On the legal bases set out in the table below, the Company processes personal information for the conclusion and performance of contracts, compliance with legal obligations, its legitimate interests, and additional use within a scope reasonably related to the original purpose of collection.

Usage analytics is collected for all users of the SOLVE app regardless of consent and cannot be switched off in the app. It is not used for advertising and is not shared with advertisers.

Only notes linked to your account are synchronized. Notes you create while not signed in, and materials you import from your device (including while signed in, in regions where import is available), are stored only on your device and are not synchronized; notes created while not signed in may be moved to your account when you sign up.

AI responses are generated automatically and may be inaccurate. Your member ID is not sent to the AI model providers.

The Company does not send your member ID to AI model providers with any request.

3. Personal information processed with the consent of the data subject (optional items)

1) The Company processes the following personal information with the consent of the data subject. You may register as a member and use the basic services even if you do not consent to the optional processing of personal information; however, you will not be able to use optional features that require such processing, such as saving study recordings. Whether you consent to marketing messages and ad measurement and personalized advertising through Meta has no effect on your use of the basic services.

2) How to withdraw consent to receiving marketing messages

You may withdraw your consent to receiving marketing messages at any time by any of the following methods.

1. Turning off each channel (text message, app push, email) under [My Information > Notification settings] in the SOLVE app or on SOLVEBOOKS
2. Following the [unsubscribe] method indicated in the text message
3. Sending a request by email to the personal information department (contact@testbank.ai)

If you refuse to receive marketing messages or withdraw your consent, the Company stops sending marketing messages through that channel and informs you of the outcome in accordance with the applicable laws. Informational notices concerning transactions and services, such as orders, payments and verification, are not marketing messages and are therefore sent regardless of whether you have consented to marketing messages.

3) Usage analytics and app install attribution

Usage analytics and app install attribution are not based on consent; you may object to this processing by contacting contact@testbank.ai.

4) How to withdraw consent to ad measurement and personalized advertising (Meta)

You may request withdrawal of your consent to the provision to Meta as a third party and to the related overseas transfer from the personal information department (contact@testbank.ai). Upon receipt of the request, the Company stops any further provision to Meta. You can manage the link between information already provided and your Meta account under "Your activity off Meta technologies" in the Meta Accounts Center. Disconnecting may differ from the deletion of the data that Meta holds. To exercise privacy rights such as deletion, you may use Meta’s privacy rights request procedure, and the Company will guide you through that procedure on request. For how to change the advertising identifier and app tracking settings on your mobile device, please refer to Chapter 9.

5) Study materials you add (knowledge bank)

Materials you add to the knowledge bank are private to your account by default, and the Service does not provide a path for you to make them publicly available. If knowledge-bank AI processing is offered, before its first use the Company will obtain separate consent and show the provider names in the app and under [Settings > Providers]. You may then withdraw that consent at any time in Settings. Withdrawal stops future AI processing, while the viewer and pen continue to work without AI.

For Google LLC and OpenAI, L.L.C.: Only the extracted text of the source you are working on and your typed or OCR-transcribed work; original files, page images and handwriting ink are not sent. Your member ID is not sent to those providers.

6) AI assistants you connect yourself

1. If SOLVE offers this feature and you choose to connect an AI service you already use, such as ChatGPT, Claude or Gemini, you may allow it to read your SOLVE notebooks through a personal, read-only, time-limited access token that you create and can revoke at any time in Settings.
2. Once connected, the service can read notebook names, extracted source text by page, the text of your notes, your attempts and mistakes, and your review queue. It cannot write to SOLVE, and nothing is sent until the service requests it on your behalf.
3. You initiate any such connection. The Company is not a party to that service’s processing. Read that service’s privacy terms for how it stores what it reads. Revoking the token stops further reads but does not delete information that the service has already stored.
4. If conversation import is offered, you can bring your own conversation exports from those services into SOLVE as materials; they are treated as materials you added to the knowledge bank under item 5) of this Chapter.

1. The minimum age for membership registration depends on the country or region in which you use the Service: 14 years of age in the Republic of Korea and 13 years of age in the United States and other countries and regions (or a higher age where required by local law). During sign-up you are asked to confirm that you meet the minimum age that applies to you, and registration cannot proceed without that confirmation. The knowledge bank is not offered to accounts below the applicable minimum age. The Company does not knowingly collect personal information from children under 13; if we learn that we have done so, we will delete it without delay. A parent or guardian who believes their child has provided us with personal information may contact us at contact@testbank.ai.
2. The Company does not collect dates of birth in this procedure. It retains the minimum records necessary, such as whether and when age was confirmed; the specific items processed and their retention periods are set out in Chapter 1.
3. If it is confirmed that a member is below the minimum age that applies to them, the Company restricts the use of that account without delay and destroys the personal information. However, information that must be preserved under other statutes is stored separately for the period prescribed by those statutes and processed only for that purpose. Accounts confirmed to belong to a person below the minimum age that applies to them are handled in accordance with this Chapter, and the standard for retaining evidentiary records after the withdrawal of an ordinary member is not applied uniformly to them.
4. If the Company provides services to children below the applicable minimum age in the future, it will put the privacy policy and the related procedures in place before it begins processing their personal information and, for processing that requires the consent of a legal representative under the applicable laws, will obtain that consent and then verify that it was actually given.
5. The Company may also ask existing members for additional verification where it is necessary to confirm that they meet the age requirement, and use of the Service may be restricted until that verification is completed.

1. The legal basis and retention period for each category of personal information follow Chapter 1. The Company processes personal information for the period necessary for each processing purpose, and preserves records subject to statutory retention in accordance with the table below.
2. The processing and retention period for each category of personal information is as follows.
   • Provision of the Service: until the member withdraws. However, where an investigation or inquiry into a violation of the applicable laws is under way, or where claims or obligations arising from use of the Service remain outstanding, only the minimum information necessary for that investigation or inquiry or for settling those claims or obligations is preserved for the necessary period, and only where there is a lawful basis for doing so.
   • Optional items: retained until the end of the period set out in Chapter 1, and then destroyed
   • Records that must be preserved under the statutes listed below are stored and managed separately from other personal information, limited to the necessary items, and used only for the statutory retention purpose.

1. Where personal information becomes unnecessary — for example, because the retention period has elapsed or the processing purpose has been achieved — the Company destroys it without delay.
2. When you delete your account in the app, the Company immediately deactivates the account and: deletes your mobile phone number and email address from your account record; deletes your social login link, sign-in tokens and push notification tokens so that the account can no longer be accessed; and deletes your marketing consent settings. Records of the consents you gave or withdrew (the subject, whether given, date and time, and version) are kept as evidence of consent for up to three years as described in Chapter 1, and order and payment records are kept for the periods required by law as described in Chapter 3.
3. At present, the following data is not deleted when you delete your account and remains associated with the deactivated account: your name, nickname and profile image; handwriting, notes and notebooks synchronized to our servers; and your AI coach conversations and settings. You may request deletion of this data by contacting contact@testbank.ai.
4. Where personal information must continue to be preserved under other statutes even though the retention period consented to by the data subject has elapsed or the processing purpose has been achieved, the Company moves that personal information to a separate database or stores it in a different location. The items of personal information preserved under other statutes and the basis for their preservation can be found in "Chapter 3 Processing and Retention Periods of Personal Information".
5. The procedures and methods for destroying personal information are as follows.
   • Destruction procedure: the Company selects the personal information for which a ground for destruction has arisen and destroys it with the approval of the Company’s privacy officer.
   • Destruction method: personal information recorded and stored in electronic file form is destroyed so that the records cannot be restored, and personal information recorded and stored in paper documents is shredded or incinerated.

1. In order to provide the Service smoothly, the Company provides personal information in the following cases with the consent of the data subject pursuant to Article 17(1)1 of the PIPA, and only within the minimum necessary scope.

The provision to Meta Platforms, Inc. takes place in the SOLVE iOS app and on the SOLVEBOOKS website (the Facebook SDK in the SOLVE iOS app and the Meta Pixel on the SOLVEBOOKS website); the SOLVE Android app does not include any Meta SDK. The consent items and the Company’s retention period follow the "Ad measurement and personalized advertising (Meta)" row in Chapter 1, paragraph 3, and the overseas transfer follows Chapter 7.

2. The Company processes the personal information of data subjects only within the scope of the processing purposes specified in Chapter 1, and provides personal information to third parties only where Article 17 or 18 of the PIPA applies, such as with the consent of the data subject or under special provisions of statute; otherwise it does not provide personal information to third parties. However, where necessary for statistical purposes, academic research or market research, the Company may, taking into account time, cost and technology on a reasonable basis, process personal information into anonymized information from which no individual can be identified even by using other information, and provide it in that form.
3. The Company does not use personal information beyond the scope of the purpose for which it was collected or provide it to third parties beyond that scope. However, where the requirements applicable to the Company under Article 18(2) of the PIPA are met — such as separate consent from the data subject, special provisions of another Act, or an urgent need to protect life, bodily safety or property interests, or for public safety and security including public health — the Company may process personal information within the minimum necessary scope. A request from an investigative authority is not acted on simply because it has been made; the Company verifies the applicable law and that lawful procedures have been followed.

1. In order to process personal information smoothly, the Company entrusts personal information processing work as set out below. A trustee processes personal information only within the scope of the Company’s purposes and instructions; a business operator that uses the personal information it collects for its own purposes (Meta Platforms, Inc.) is explained not as a trustee but as a recipient of a provision to a third party (Chapter 5) and of an overseas transfer (Chapter 7).

2. When entering into an entrustment agreement, the Company specifies in the contract or another document, pursuant to Article 26 of the PIPA, the prohibition on processing personal information for purposes other than performing the entrusted work, technical and administrative safeguards, restrictions on sub-entrustment, supervision of the trustee, and liability such as damages, and supervises whether the trustee processes personal information safely.
3. Pursuant to Article 26(6) of the PIPA, where a trustee sub-entrusts the Company’s personal information processing work, it obtains the Company’s consent, and the Company discloses the sub-trustee and the content of the sub-entrusted work through this Privacy Policy.
4. If the content of the entrusted work or the trustee changes, the Company will disclose this through this Privacy Policy without delay.

1. The Company uses the services of overseas business operators such as Google in order to analyse members’ use of the Service, send push notifications, provide social login and measure advertising performance, to provide the AI study coach, and, after separate consent, to generate summaries, answers and step-by-step feedback from extracted knowledge-bank text.
2. The main databases and storage holding member information, usage records, study recording files, uploaded PDFs, knowledge-bank materials, and handwriting and notes are kept in the AWS Republic of Korea region and are not replicated to any region outside Korea. Access or retrieval from outside Korea is also not permitted, except if SOLVE offers connected-AI access and you authorize that service to read your data (see Chapter 1, paragraph 3, item 6). Where an overseas business operator processes personal information, the items, country, purpose, period and basis of the transfer are set out in the tables below.
3. The legal bases for overseas transfers are classified as follows.
   • Overseas entrustment of processing for the provision of essential services (service notification push messages (FCM), ensuring the stability of the Service (Firebase Crashlytics — necessary for the stable provision of the contracted service), Google and Apple login, service usage analytics (Firebase Analytics and GA4), app install attribution (AppsFlyer), and the AI coach (OpenRouter, Google Gemini API)): the transfer is made after completing the statutory procedures, including disclosure in this Privacy Policy, to the extent that the requirements of Article 28-8(1)3 of the PIPA are met.
   • Overseas transfers based on separate consent (marketing push messages (FCM), Mixpanel and Clarity (SOLVEBOOKS website — not used in the SOLVE iOS app), the provision to Meta Platforms, Inc. as a third party, and processing of extracted knowledge-bank text by the Gemini API or OpenAI API): the transfer is made where separate consent to the overseas transfer has been obtained under Article 28-8(1)1 of the same Act. Consent to the provision to Meta as a third party and to the related overseas transfer is obtained separately from consent to marketing push messages. Knowledge-bank text is transferred only after the separate AI processing consent described in Chapter 1.

The corrected text and verdict you submit in a grading objection are not sent to Google or to any other AI model provider; they are recorded only in the Company’s server logs, as described in Chapter 1, paragraph 2.

4. There is no restriction on your use of the basic services if you do not consent, or withdraw your consent, to overseas transfers for optional marketing, advertising and analytics purposes. If you refuse an overseas entrustment of processing that is necessary to perform the contract, your use of the features requiring that transfer (such as service notification push messages and Google and Apple login) may be restricted; the features that would be restricted and how to refuse are explained for each item transferred. Consent to marketing messages, the provision to Meta as a third party and each related overseas transfer may be withdrawn by specifying the processing concerned in a request to the personal information department (contact@testbank.ai). The Company then stops the relevant collection, use, provision and transfer and takes the necessary measures, such as deletion, in accordance with the applicable laws and the basis of processing. The withdrawal procedures follow items 2) and 4) of Chapter 1, paragraph 3. If knowledge-bank AI processing is offered, you may withdraw the separate consent for overseas transfer of extracted knowledge-bank text in Settings; this stops future AI processing, while the viewer and pen continue to work without AI (see Chapter 1, paragraph 3, item 5). Service usage analytics and app install attribution are not based on consent; you may object to this processing as described in item 3) of Chapter 1, paragraph 3.

   You can manage the link between information already provided and your Meta account under "Your activity off Meta technologies" in the Meta Accounts Center. Disconnecting may differ from the deletion of the data that Meta holds. To exercise privacy rights such as deletion, you may use Meta’s privacy rights request procedure, and the Company will guide you through that procedure on request.

The Company takes the following measures to ensure the safety of personal information.

1. Administrative measures: establishment and implementation of an internal management plan, operation of a dedicated organization, regular staff training (personal information protection and information security training), and regular checks on compliance with security-related rules
2. Technical measures: management of access rights to the personal information processing systems, installation of an access control system and other related safeguards, encryption of personal information databases, retention and inspection of access records, installation and updating of security programs, and inspection and remediation of vulnerabilities in the personal information processing systems
3. Physical measures: access control for areas such as document storage rooms, storage of documents and auxiliary storage media in a secure place fitted with a lock, and periodic management of access records

[Devices installed and operated to automatically collect personal information]

1. The Company may use certain "cookies" to prevent abnormal access by data subjects and repetitive submission of support inquiries.
2. A cookie is a small piece of information that the server (http) used to operate a website sends to the data subject’s browser; it is stored on the data subject’s computer or mobile device and is automatically transmitted from the data subject’s browser to the server when the website is accessed.
3. Data subjects can allow or block cookies through their browser settings. Blocking third-party cookies and the setting for storing site data are separate items and must therefore be configured individually.
   • Blocking third-party cookies — Chrome: browser Settings > Privacy and security > Third-party cookies > Block third-party cookies / Edge: browser Settings > Cookies and site permissions > Manage and delete cookies and site data > Block third-party cookies / Chrome on mobile: Settings > Site settings > Third-party cookies / Samsung Internet: Settings > Privacy > Block cookies
   • Setting for storing site data — Chrome: Settings → Privacy and security → Site settings → Additional content settings → On-device site data, and set sites not to store data on your device / Edge: browser Settings > Cookies and site permissions > Manage and delete cookies and site data > turn off "Allow sites to save and read cookie data" / Safari: device Settings > Safari > Advanced > Block All Cookies

   Even in private (InPrivate or incognito) mode, cookies may be used and sites may collect usage information while you are browsing. Blocking cookies can be configured separately in your browser cookie settings.

4. In the course of using the Service or handling business, the following information may be automatically generated and collected.
   • Information automatically generated and collected through the web and the app: access IP address, cookies, date and time of visit, service usage records, browser information, device information (OS version, model name, UUID) — the minimum logs necessary to ensure the stability of the Service follow the "Ensuring the stability of the Service" row in Chapter 1, paragraph 2, and information processed for usage analytics purposes follows the "Service usage analytics" row in Chapter 1, paragraph 2.
   • The items, purposes and retention periods of the personal information used for app install attribution analysis follow Chapter 1, and the information is collected automatically when the app is installed or launched. The related entrustment and overseas transfer are explained in Chapters 6 and 7.

[Collection, use and provision of behavioral information, and refusal thereof]

1. In the course of providing the Service and handling business, the Company processes behavioral information using cookies, advertising identifiers and similar technologies in order to provide data subjects with optimized customized services and benefits, online customized advertising and the like.
2. The Company collects behavioral information on the websites and the mobile and PC apps it operates as follows.

Ad measurement and personalized advertising through Meta is explained separately from ordinary analysis of service usage behavior. The Company processes and provides the behavioral information it collects in the SOLVE iOS app and on the SOLVEBOOKS website for ad measurement and personalized advertising purposes only where it has obtained consent to that processing of personal information and to the provision to Meta as a third party and the overseas transfer. The items and retention periods follow the "Ad measurement and personalized advertising (Meta)" row in Chapter 1, paragraph 3, and Chapters 5 and 7.

2) Behavioral information collected by third parties — in order to allow you to use the Service smoothly and for advertising purposes, the Company uses tags and APIs, including SDKs provided by other companies. The behavioral information collected by third parties is as follows. The table below summarizes the main items processed. The full items and periods processed by AppsFlyer follow the "App install attribution analysis" row in Chapter 1 and the AppsFlyer table in Chapter 7; for Clarity, they follow the Clarity table in Chapter 7.

Among the companies listed above, those that process behavioral information only within the scope of the Company’s purposes and instructions under an entrustment of the Company’s work (Firebase Analytics and GA4 of Google LLC, Mixpanel, Inc., AppsFlyer Ltd. and Microsoft Corporation) are managed as trustees in accordance with Chapters 6 and 7. A company that uses the behavioral information it collects for its own purposes (Meta Platforms, Inc.) receives that information only where separate consent has been obtained, in accordance with Chapter 5 (provision to a third party) and Chapter 7 (overseas transfer), and its processing of that information is governed by Meta’s privacy policy.

3. The Company collects only the minimum behavioral information necessary for optimized customized services and benefits, online customized advertising and the like, and does not collect sensitive behavioral information that is liable to infringe individual rights, interests or privacy, such as ideology, beliefs or medical history.
4. Data subjects can restrict cookie-based tracking by changing their web browser cookie settings. App SDKs and account-based analytics are handled as described in items 3) and 4) of Chapter 1, paragraph 3. However, changing cookie settings may restrict the use of some services, such as automatic login on the website.

Blocking/allowing customized advertising through a web browser

▶ Chrome

• ① How to delete cookies stored in the web browser: in browser Settings, go to "Privacy and security" > "Delete browsing data" and select the items to delete (cookies and other site data).
• ② How to block third-party cookies in the web browser: in browser Settings, go to "Privacy and security" > "Third-party cookies" and select whether to "Block third-party cookies".
• ③ Setting for storing site data (blocking the storage of all cookies): go to Settings → Privacy and security → Site settings → Additional content settings → On-device site data, and set sites not to store data on your device. This setting applies separately from the blocking of third-party cookies in ②. A "New Incognito window" only deletes browsing history and cookies when the browser is closed; it does not prevent the use of cookies or the collection of information by sites while you are browsing.

▶ Edge

• ① How to delete cookies stored in the web browser: in Edge, click the "…" icon in the top right and then click "Settings". On the left of the settings page, click "Cookies and site permissions", then click "Manage and delete cookies and site data" and choose whether to remove all cookies and site data.
• ② How to block third-party cookies in the web browser: in Edge, click the "…" icon in the top right and then click "Settings". On the left of the settings page, click "Privacy, search, and services" and, in the "Tracking prevention" section, select whether to enable tracking prevention and its level (Balanced or Strict). Alternatively, click "Cookies and site permissions" on the left of the settings page, then click "Manage and delete cookies and site data" and select "Block third-party cookies".
• ③ Setting for storing site data (blocking the storage of all cookies): in Edge, click the "…" icon in the top right, then go to "Settings" > "Cookies and site permissions" > "Manage and delete cookies and site data" and turn off "Allow sites to save and read cookie data". This setting applies separately from the blocking of third-party cookies in ②. A "New InPrivate window" only deletes browsing history and cookies when the browser is closed; it does not prevent the use of cookies or the collection of information by sites while you are browsing.

5. Depending on the device settings, the SDKs used by the Company in its mobile apps may process advertising identifiers for customized advertising and app install attribution analysis. Data subjects can block or allow customized advertising and the use of advertising identifiers by apps by changing the settings on their mobile device, the way to object to app install attribution and usage analytics follows item 3) of Chapter 1, paragraph 3, and the method for withdrawing consent to Meta ad measurement and personalized advertising follows item 4) of Chapter 1, paragraph 3.

Menus and methods may differ slightly depending on the mobile OS version.

• (Android): ① Settings → ② Security and privacy → ③ Privacy → ④ Other privacy settings → ⑤ Ads → ⑥ Reset advertising ID or Delete advertising ID
• (iPhone): ① Settings → ② Privacy & Security → ③ Tracking → ④ turn off Allow Apps to Request to Track

6. Data subjects may use the contacts below to ask questions about behavioral information, to exercise their right to refuse, and to report harm.

1. Data subjects may at any time request access to, correction or deletion of, or suspension of the processing of their personal information, and may withdraw their consent (collectively, "exercise of rights"), and may request the transmission of their personal information in accordance with the requirements and scope prescribed by the applicable laws.

   The rights of a child below the applicable minimum age must be exercised by the child’s legal representative; a data subject who is a minor at or above the applicable minimum age may exercise the rights relating to their own personal information themselves or through their legal representative.

2. When export is available, you can export your original files, PDFs of pages with your writing, stroke data, and a CSV of your attempts and results at any time. Export is not limited by plan.
3. Rights may be exercised in relation to the Company by email consultation pursuant to Article 41(1) of the Enforcement Decree of the PIPA, and the Company will act on the request without delay.
4. Rights may also be exercised through an agent, such as the data subject’s legal representative or a person authorized by the data subject. In that case, a voluntary agent must submit documents evidencing their authority, such as a power of attorney in the form of Attachment No. 11 to the Public Notice on Methods of Processing Personal Information, and a legal representative must submit documents confirming that they are the legal representative.
5. A data subject’s right to request access to and suspension of the processing of personal information may be restricted under Article 35(4) and Article 37(2) of the PIPA.
6. Where another statute expressly specifies that the personal information is to be collected, deletion of that personal information cannot be requested.
7. The Company verifies whether the person exercising the rights is the data subject or a duly authorized agent.
8. Data subjects may exercise their rights with the department below. The Company will respond within 10 days of the date on which it receives the request. However, requests for the transmission of personal information are handled within the period and by the method prescribed by the applicable laws.

1. The Company has designated the privacy officer and dedicated organization below to take overall responsibility for personal information processing and to handle complaints and provide remedies for data subjects in relation to personal information processing.

2. Data subjects may direct to the privacy officer any matter relating to personal information protection, the handling of complaints or remedies for harm that arises while using the Company’s services. The Company will answer and handle such inquiries without delay. For all privacy requests, including requests from users in the United States, please contact contact@testbank.ai.

1. The Company seeks to guarantee data subjects’ right to informational self-determination and to provide consultation and remedies for harm caused by infringements of personal information; if you need to make a report or seek consultation, please contact the department in charge.
2. To obtain a remedy for an infringement of personal information, data subjects may apply for dispute resolution or consultation to bodies such as the Personal Information Dispute Mediation Committee and the Personal Information Infringement Report Center of the Korea Internet & Security Agency. For other reports of and consultations on personal information infringement, please contact the organizations below.
   • Personal Information Dispute Mediation Committee: 1833-6972 (no area code) (www.kopico.go.kr)
   • Personal Information Infringement Report Center: 118 (no area code) (privacy.kisa.or.kr)
   • Korean National Police Agency: 182 (no area code) (ecrm.cyber.go.kr)

1. This Privacy Policy was announced on 23 September 2026 and takes effect on 30 September 2026. (Established on 1 August 2022 → amended on 27 October 2025 → amended on 10 July 2026 → amended on 21 September 2026 → amended on 30 September 2026)
2. Previous versions of the Privacy Policy are available below.

• Applied from 21 September 2026 to 29 September 2026 (announced and effective 2026-09-21)
• Applied from 10 July 2026 to 20 September 2026 (announced 2026-07-03 · effective 2026-07-10)
• Applied from 27 October 2025 to 9 July 2026
• Applied from 1 August 2022 to 26 October 2025