-lrb- g -rrb- to the extent permitted by law , any claim or dispute relating to your use of pay by mobile must be filed within one year in small claims court -lrb- paragraph 20.3 -lrb- c -rrb- -rrb- or in arbitration -lrb- paragraph 20.3 -lrb- d -rrb- -rrb- .