Cardholder authorization

This Agreement is entered into between the Cardholder ("you" or "Cardholder") and Copernican Admin, LLC ("Coprenican," "we," "us," "our"), which provides certain services via TourClaim ("TourClaim"). By using our services, you agree to the terms outlined below and authorize us to act on your behalf for the purposes described herein.

SERVICE DESCRIPTION

TourClaim by Copernican is a credit card benefits claims-assistance platform that helps cardholders identify, retrieve, and submit eligible trip cancellation, interruption, or refund benefits associated with their credit card(s). Copernican does not sell insurance, act as an insurer, or claims adjuster nor do we guarantee approval of any benefit. Our services are provided solely to assist you in exercising existing cardholder protections provided by your credit card issuer or associated benefit administrator.

CARDHOLDER AUTHORIZATION

By signing or submitting this Agreement electronically, you: Authorize Copernican to act as your authorized representative for the purposes of: * Determining your eligibility for trip cancellation, interruption, or refund benefits tied to your credit card; * Submitting claims, including documentation, on your behalf to the applicable benefit administrator; * Communicating with the credit card issuer, benefit administrator, payment processor, or merchant of record as needed. * Confirm that you recognize and authorized the transaction(s) in question and that the goods or services were legitimately purchased. * Authorize Copernican to use and transmit your personal information (e.g., name, email, phone number, reservation details, travel documents, credit card type, and partial card number) to facilitate benefit verification and claims processing.

CREDIT CARD USE & SERVICE FEE

Copernican charges a 10% fee of the total refund amount only upon confirmation of a successful submission and refund. The fee will be based on the total refund received from your credit card company or credit card benefits administrator. You authorize Copernican Admin, LLC to charge your credit card for this agreed amount. Copernican will not charge your card without disclosure and your consent. I consent to any service charges as described and authorize the use of my credit card for this purpose.

REPRESENTATIONS & FRAUD ACKNOWLEDGMENT

You affirm that: * All information submitted through TourClaim is true, correct, and complete. * You are not submitting false or misleading documentation. * You understand that any fraudulent activity may be reported to credit card issuers, payment processors, insurance benefit providers, law enforcement, or relevant regulatory authorities. * Copernican reserves the right to deny service or withdraw representation if fraud or misrepresentation is suspected.

NO GUARANTEE OF OUTCOME

Copernican provides administrative assistance only. We cannot: * Guarantee that your claim will be approved; * Guarantee a specific benefit amount; * Modify or override the benefit administrator's decisions. You are ultimately responsible for reviewing the benefit guide for your card and for following up with the administrator as needed.

LIMITATION OF LIABILITY

To the fullest extent allowed by law: * Copernican disclaims all liability for denied claims, benefit administrator actions, or card issuer policies. * In no event shall Copernican be liable for consequential, indirect, or special damages. * Maximum liability shall not exceed the amount paid for services rendered.

TERMINATION & WITHDRAWAL

You may revoke this authorization at any time by submitting written notice to info@getcopernican.com. Any services rendered prior to revocation remain subject to these terms.

CONSENT & SIGNATURE

By signing or submitting this Agreement, you acknowledge that you have read, understood, and agree to be bound by this Authorization and Terms of Service.