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        <title><?php echo htmlspecialchars($site_settings['site_title'] ?? 'ReliParcel Express'); ?> | Our Policies</title> 
        
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        <header class="hero-gradient-bg text-white text-center pt-5 pb-5 shadow-lg">
            <div class="container mt-5 pt-5">
			<div class="mx-auto text-center" style="max-width: 800px;">
                <h1 class="display-6 fw-bolder mb-3">COMPANY POLICIES & LEGAL</h1>
                <p class="lead mb-0 fs-5">Transparent guidelines governing our services and your rights.</p>
			</div>	
            </div>
        </header>

        <section id="policy-body" class="py-5">
            <div class="container">
                <div class="row">
                    
                    <div class="col-lg-3 mb-4 sticky-top policy-sidebar" style="top: 100px;">
                        <h4 class="fw-bold mb-3 text-crimson">Sections</h4>
                        <nav class="nav nav-pills flex-column">
                            <a class="nav-link active" href="#shipping">Shipping & Liability</a>
                            <a class="nav-link" href="#prohibited">Prohibited Items List</a>
                            <a class="nav-link" href="#privacy">Privacy Policy</a>
                            <a class="nav-link" href="#terms">General Terms & Conditions</a>
                            <a class="nav-link" href="#updates">Policy Updates</a>
                        </nav>
                    </div>

                    <div class="col-lg-9">
                        
                        <div id="shipping" class="policy-content">
                            <h4 class="text-crimson fw-bold">1. Shipping, Insurance, and Liability</h4>
                            <p class="lead">Effective Date: 1 Jan 2024</p>
                            
                            <h4 class="policy-heading">A. General Carrier Liability</h4>
                            <p>Our standard liability for loss or damage to goods is limited to $50 USD or the cost of repair/replacement, whichever is less, unless additional insurance is purchased. This limit applies to all shipments where declared value protection is not selected.</p>
                            
                            <h4 class="policy-heading">B. Declared Value and Insurance</h4>
                            <p>Customers have the option to declare a higher value for their shipments. This declared value is not insurance, but it increases the maximum liability limit. Full insurance coverage is available at a rate of 1% of the declared value (minimum premium applies) and must be requested prior to pickup.</p>
                            
                            <h4 class="policy-heading">C. Claims Process</h4>
                            <p>All claims for loss or damage must be submitted in writing within 14 calendar days of the delivery date (or expected delivery date). Failure to meet this deadline will result in the denial of the claim. Required documentation includes the original invoice, packing list, and photos of the damage.</p>
                        </div>
                        
                        <hr class="my-5">

                        <div id="prohibited" class="policy-content">
                            <h4 class="text-crimson fw-bold">2. Prohibited & Restricted Items List</h4>
                            <p>For safety, security, and compliance with international law, the following items are strictly prohibited for carriage:</p>
                            
                            <ul class="list-group list-group-flush mb-4">
                                <li class="list-group-item"><i class="bi bi-x-octagon-fill text-danger me-2"></i> Explosives, firearms, and ammunition.</li>
                                <li class="list-group-item"><i class="bi bi-x-octagon-fill text-danger me-2"></i> Illegal narcotics and controlled substances.</li>
                                <li class="list-group-item"><i class="bi bi-x-octagon-fill text-danger me-2"></i> Perishable items requiring temperature control outside of pre-approved Cold Chain agreements.</li>
                                <li class="list-group-item"><i class="bi bi-x-octagon-fill text-danger me-2"></i> Cash, negotiable instruments, and un-mounted precious stones/metals.</li>
                                <li class="list-group-item"><i class="bi bi-x-octagon-fill text-danger me-2"></i> Live animals (unless special permits and service agreements are in place).</li>
                            </ul>
                            <p class="text-muted small">
                                *Note: It is the shipper's responsibility to ensure compliance with all origin, transit, and destination country laws. Failure to disclose prohibited goods may result in shipment seizure and fines.
                            </p>
                        </div>

                        <hr class="my-5">
                        
                        <div id="privacy" class="policy-content">
                            <h4 class="text-crimson fw-bold">3. Privacy Policy (Data Handling)</h4>
                            <p class="lead">Your privacy is paramount. We comply with GDPR and similar global regulations.</p>
                            
                            <h4 class="policy-heading">A. Data Collection</h4>
                            <p>We collect personal data (Name, Address, Email, Phone) necessary to execute shipping services and customs clearance. We also collect anonymized tracking data to improve site performance.</p>
                            
                            <h4 class="policy-heading">B. Data Usage</h4>
                            <p>Personal data is used strictly for service fulfillment, billing, tracking updates, and regulatory compliance. We do not sell or rent your data to third parties for marketing purposes.</p>
                            
                            <h4 class="policy-heading">C. Data Sharing</h4>
                            <p>Data is shared only with necessary third parties, including customs authorities, destination delivery agents, and affiliated carriers, to complete the delivery cycle.</p>
                        </div>

                        <hr class="my-5">
                        
                        <div id="terms" class="policy-content">
                            <h4 class="text-crimson fw-bold">4. General Terms & Conditions</h4>
                            <p class="lead">The fundamental agreement between our company and the customer.</p>
                            
                            <h4 class="policy-heading">A. Service Acceptance</h4>
                            <p>By booking a shipment, the Shipper accepts these terms and conditions on behalf of themselves and any interested party in the shipment.</p>
                            
                            <h4 class="policy-heading">B. Right to Inspect</h4>
                            <p>We reserve the right to open and inspect any shipment without notice for safety, security, customs, or other regulatory reasons.</p>
                            
                            <h4 class="policy-heading">C. Governing Law</h4>
                            <p>These terms are governed by the laws of [Your Jurisdiction/State], and the customer submits to the non-exclusive jurisdiction of the courts located therein.</p>
                        </div>

                        <hr class="my-5">
                        
                        <div id="updates" class="policy-content">
                            <h4 class="text-crimson fw-bold">5. Policy Updates</h4>
                            <p class="lead">Last Updated: 1 January 2024</p>
                            <p>We may update these policies from time to time. We encourage users to review this page periodically for any changes. Continued use of our services after any policy modification constitutes acceptance of those changes.</p>
                        </div>

                    </div>
                </div>
            </div>
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