Clearer terms for prepaid credit and the call notice

Our billing policy now sets out how prepaid credit works: it is drawn down by usage, it stops at zero rather than building a bill you have not seen, and automatic top-up stays off until you turn it on and is capped by a monthly ceiling you choose. Our telecoms policy has also been corrected — the AI and recording notice at the start of a call is set by us and applied to every call, so it is no longer described as wording you are responsible for choosing. Your own greeting is still yours.

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