if you can not resolve a dispute with us informally pursuant to section 20.2 , then , except as described elsewhere in section 20 , you and onavo agree to submit the dispute to a single arbitrator at the american arbitration association -lrb- aaa -rrb- under its then-current commercial arbitration rules , including the optional rules for emergency measures of protection and the supplementary procedures for consumer-related disputes , or , by separate mutual agreement , at another arbitration institution .