Terms of Service
These General Terms of Service (“General Terms”) are a legal agreement between you (“you,” “your”) and Relevium Virtual Services B.V., doing business as Cash On Web (“COW” “we,” “our” or “us”) and govern your use of COW’s services, including mobile applications, websites, software, hardware, and other products and services (collectively, the “Services”). If you are using the Services on behalf of a business, that business accepts these terms. By using any of the Services you agree to these General Terms and any policies referenced within (“Policies”), including terms that limit our liability (see Limitations of Liability and Damages).
You also agree to any additional terms specific to Services you use (“Additional Terms”), such as those listed below, which become part of your agreement with us.
Payment Terms: These terms apply to all payments made through the Services.
Revisions, Disclosures and Notices
We may amend the General Terms, any Additional Terms, or our Policies, at any time with notice that we deem to be reasonable in the circumstances, by posting the revised version on our website and communicating it to you through the Services (each a “Revised Version”). The Revised Version will be effective and you will be bound by such changes and/or amendments as of two weeks after you have been notified of a Revised Version. Your continued use of the Services after the effective date of a Revised Version constitutes your acceptance of such Revised Version. Any Dispute that arose before the changes will be governed by the General Terms, Additional Terms or Policies in place when the Dispute arose.
You agree to COW’s E-Sign Consent. We may provide disclosures and notices required by law and other information about your COW Account to you electronically, by posting it on our website, pushing notifications through the Services including through Social Media platforms, through the registered telephone number provided by you or by emailing it to the email address listed in your COW Account. Electronic disclosures and notices have the same meaning and effect as if we had provided you with paper copies. Such disclosures and notices are considered received by you within twenty-four (24) hours of the time posted to our website, Social Media platforms, or within twenty-four (24) hours of the time emailed or messaged to you unless we receive notice that the email or message was not delivered. If you wish to withdraw your consent to receiving electronic communications, contact COW Support. If we are not able to support your request, you may need to terminate your COW Account.
You may not, nor may you permit any third party, directly or indirectly, to: export the Services, which may be subject to export restrictions imposed by the laws of Curaçao access or monitor any material or information on any COW system using any manual process or robot, spider, scraper, or other automated means; except to the extent that any restriction is expressly prohibited by law, violate the restrictions in any robot exclusion headers on any Service, work around, bypass, or circumvent any of the technical limitations of the Services, use any tool to enable features or functionalities that are otherwise disabled in the Services, or decompile, disassemble or otherwise reverse engineer the Services; perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by our other customers, or impose an unreasonable or disproportionately large load on our infrastructure; copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material, information or Services from COW; use and benefit from the Services via a rental, lease, timesharing, service bureau or other arrangement; use the Service in conjunction with automated purchasing software programs; use the Service to exploit new user, referral programs, promotions offered by other merchants, or otherwise use the Services to violate the terms and conditions of a merchant; transfer any rights granted to you under these General Terms; use the Services in a way that distracts or prevents you from obeying traffic or safety laws; use the Services for any illegal activity or goods or in any way that exposes you, other COW users, our partners, or COW to harm; or otherwise use the Services except as expressly allowed under these General Terms and applicable Additional Terms.
Compatible Devices and Third Party Carriers
We do not warrant that the Services will be compatible with device or carrier. Your use of the Services may be subject to the terms of your agreements with your device manufacturer or your carrier. You may not use a modified device to use the Services if the modification is contrary to the manufacturer’s software or hardware guidelines, including disabling hardware or software controls.
We have implemented technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes. You provide your personal information at your own risk.
You are responsible for safeguarding your password and for restricting access to the Services from your compatible devices. You will immediately notify us of any unauthorized use of your password or COW Account or any other breach of security. COW considers the person identified and whose name is on the account as the owner of the account.
You consent to accept and receive communications from us in electronic form, including e-mail, text messages, calls, and push notifications to Social Media platforms and the mobile phone number you provide to us. These communications may be generated by automatic telephone dialing systems which will deliver prerecorded messages, including for the purposes of secondary authentication, receipts, reminders and other notifications. You agree that all communications provided to you by COW electronically satisfy any legal requirement that communication would satisfy if it were in writing. Standard message and data rates applied by your cell phone carrier may apply to the text messages we send you. You may opt-out of receiving communications by following the unsubscribe options we provide to you. You may also opt-out of text messages from COW at any time by texting STOP in response. You acknowledge that opting out of receiving communications may impact your use of the Services.
COW may offer Services to be paid for on a recurring basis (“Subscription Services”) or on an as-used basis (“A La Carte Services” and, together with the Subscription Services, “Paid Services”). COW has the right to change, delete, discontinue or impose conditions on Paid Services or any feature or aspect of a Paid Service. Subscription Services may subject you to recurring fees and/or terms. By signing up for a Subscription Service, including after any free trial period, you agree to pay us the subscription fee and any applicable taxes as set forth in your COW Account settings or as otherwise agreed in writing (“Subscription Fee”). In the event Subscription Services are offered for a period (“Initial Period”), and you subscribe for the Initial Period, then the terms will be automatically renewed for an additional period of the same duration as the Initial Period at our then-current fee for such Subscription Services. In order to avoid automatic renewal, you must cancel your Subscription Services at least thirty (30) days prior to the automatic renewal date.
A La Carte Services may subject you to fees charged per usage and/or terms. By using an A La Carte Service, you agree to pay the fees and any taxes incurred at the time of usage (“A La Carte Fees” and, together with Subscription Fees, the “Paid Service Fees”).
Paid Service Fees may be paid through your preferred load method. Regardless of payment method, we reserve the right to collect Paid Service Fees by deduction from your COW account.
Unless otherwise provided in a Subscription Service’s terms, Subscription Fees will be charged on the 1st of every month until cancelled.
You may cancel a Subscription Services at any time from your COW Account settings. If you cancel a Subscription Services, you will continue to have access to that Subscription Services through the end of your then current billing period, but you will not be entitled to a refund or credit for any Subscription Services Fees already due or paid.
We reserve the right to change our Paid Services Fees upon thirty (30) days’ advance notice. Your continued use of the Paid Services after notice of a change to our Paid Services Fees will constitute your agreement to such changes.
We may suspend your COW account in the following cases:
- If your account is under investigation for any reason, among which:
- We suspect that You are in breach of these General Terms, the Additional Terms, any other terms and policies;
- If we suspect your COW account is deliberately being used by you or anyone else to commit fraud or for other illegal purposes;
- For other reasons as mentioned in these Terms of Service, the General Terms, the Additional Terms, any other terms and policies.
You may terminate your COW account at any time without notice by contacting us at email@example.com, you will however not be entitled to a refund or credit for any Paid Services Fees or other fees already due or paid.
We may terminate (opzeggen) your COW account without cause and without any duty to pay damages or any other amount as a consequence of the termination, with a notice period of one (1) month.
We may terminate (ontbinden) your COW account, with immediate effect, without cause and without any duty to pay damages or any other amount as a consequence of the termination by giving written notice if:
- You are in breach of these General Terms, the Additional Terms, any other terms and policies;
- You act in a manner that is threatening or abusive to our staff or anyone acting on our behalf;
- You fail to pay any Subscription Fees or any other charges when due;
- If we believe your COW account is deliberately being used by you or anyone else to commit fraud or for other illegal purposes;
In the event of your death.
Effect of Termination
If your COW Account is terminated or suspended for any reason: (a) the license and any other rights granted under these General Terms and any Additional Terms will end, and (b) we will not be liable to you or any third party for compensation, reimbursement, or damages for any termination or suspension of the Services or the effect of such termination or suspension. In addition to any payment obligations under the Payment Terms, these General Terms, the Additional Terms and any other terms and policies survive and remain in effect.
You will indemnify, defend, and hold us and our partners (and our respective employees, directors, agents, affiliates and representatives) harmless from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, interest, and expenses (including without limitation reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in these General Terms or any Additional Terms; (b) your wrongful or improper use of the Services; (c) your violation of any third-party right, including without limitation any right of privacy, publicity rights or Intellectual Property Rights; (d) your violation of any law, rule or regulation of Curaçao or any other country; and (e) any other party’s access and/or use of the Services with your unique name, password or other appropriate security code.
Representations and Warranties
You represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Services and have the right, power, and ability to enter into and perform under these General Terms; (c) any information you provide in connection with the Services, accurately and truthfully represents your identity; (d) you and all transactions initiated by you will comply with all local laws, rules, and regulations applicable to you; (e) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of the Services; and (f) your use of the Services will be in compliance with these General Terms and applicable Additional Terms.
THE USE OF “COW” IN THIS SECTIONS AND Limitations of Liability and Damages MEANS COW, ITS PROCESSORS, ITS SUPPLIERS, AND ITS LICENSORS (AND THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, AGENTS, DIRECTORS, AND EMPLOYEES).
THE SERVICES ARE PROVIDED “AS IS” WITHOUT REPRESENTATION OR WARRANTY, WHETHER IT IS EXPRESS, IMPLIED, OR STATUTORY. WITHOUT LIMITING THE FOREGOING, COW SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
COW DOES NOT WARRANT OR GUARANTEE THAT THE SERVICES ARE ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, ERROR-FREE, WITHOUT DEFECT OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
COW does not warrant, endorse, guarantee, or assume responsibility for any product or services advertised or offered by a third party. COW does not have control of, or liability for, goods or services that are paid for using the Services.
Limitations of Liability and Damages
EXCEPT TO THE EXTENT THAT LIABILITY CANNOT BE LIMITED BY OPERATION OF LAW, ALL LIABILITY OF COW, PERSONS ASSOSIATED WITH COW, ITS PARTNERS OR EMPLOYEES WILL BE LIMITED TO THE AMOUNT OF FEES EARNED BY US IN CONNECTION WITH YOUR USE OF THE SERVICES DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY, WITH A MAXIMUM OF USD 500.
EXCEPT TO THE EXTENT THAT LIABILITY CANNOT BE LIMITED BY OPERATION OF LAW, IN NO EVENT WILL COW BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE SERVICE, EXCEPT IN CASES OF INTENT OR GROSS NEGLIGENCE BY COW.
UNDER NO CIRCUMSTANCES WILL COW BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR YOUR COW ACCOUNT, OR THE INFORMATION CONTAINED THEREIN.
IN ANY EVENT, A CLAIM FOR COMPENSATION OF DAMAGES AGAINST COW OR ANY OTHER PERSON REFERRED TO IN THIS PROVISION WILL BE UNENFORCEABLE UNLESS COW RECEIVES NOTICE THEROEF NO LATER THAN SIX (6) MONTHS AFTER YOU BECAME AWARE, OR COULD REASONABLY HAVE BECOME AWARE OF A POTENTIAL CLAIM.
“Disputes” are defined as any claim, controversy, or dispute between you and COW, its processors, suppliers or licensors (or their respective affiliates, agents, directors or employees), including any claims relating in any way to these General Terms, any Additional Terms, or the Services, or any other aspect of our relationship.
Any disputes between you and COW shall be submitted to the exclusive jurisdiction of the competent court of Curaçao.
Before a dispute can be submitted to the competent court you shall submit a complaint in writing to COW in order to explore the possibility to settle the dispute between you and COW. COW will decide within 4 weeks, but not later than 8 weeks, after receiving the complaint.
These General Terms, Additional Terms, any other terms, policies and any Dispute are exclusively governed by Curaçao law.
Limitation on Time to Initiate a Dispute
Any action or proceeding by you relating to any Dispute must commence not later than one (1) year after the cause of action accrues. Your rights of any claim, action, proceeding or other entitlements towards COW shall in any event expire one year after the date on which you became aware or may reasonably be expected to have become aware of the existence of such rights and entitlements.
These General Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you and any attempted transfer or assignment will be null and void.
Third Party Services and Links to Other Web Sites
COW shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to, acts of God (e.g. earthquake, tsunami), war, terrorism, pandemic, riots, embargos, acts of civil or military authorities, fire, floods, accidents, strikes or shortages of transportation facilities, fuel, energy, labor or materials.
You are responsible for providing COW with your most current email address. In the event that the last email address you provided to COW is not valid, or for any reason is not capable of delivering you notices required/permitted under these Terms, COW’s dispatch of the email containing such notice will constitute effective notice. You may give notice to COW at the following email address firstname.lastname@example.org.
These General Terms, and any applicable Additional Terms or Policies, are a complete statement of the agreement between you and COW regarding the Services. In the event of a conflict between these General Terms and any other COW agreement or Policy, these General Terms will prevail and control the subject matter of such conflict. If any provision of these General Terms or any Additional Term is invalid or unenforceable under applicable law, then it will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. These General Terms do not limit any rights that we may have under trade secret, copyright, patent, or other laws. No waiver of any term of these General Terms will be deemed a further or continuing waiver of such term or any other term.
COW Payment Terms
By using Relevium Virtual Services B.V. , doing business as Cash on Web (“COW,” “we,” “our,” or “us”) payment services (“Payment Services”), you agree to be bound by the General Terms of Service (“General Terms”), these additional terms and conditions (“Payment Terms”) and all other terms, policies and guidelines applicable to the Services (as defined in the General Terms) used.
If you are using the Payment Services on behalf of a business, that business accepts these terms. Payment Services may only be used for business purposes in Curaçao and other countries within the Dutch Caribbean Kingdom. Defined terms will have the same meaning as those found in the General Terms, unless otherwise re-defined herein.
COW Payment Refunds and Unloads
Refunds/unloads may be requested but are subject to the fees stated in our terms and conditions. Any additional expenses COW may incur in the process of a refund/unload is your responsibility. Additional expenses will be removed from the refund amount. Membership fees are non-refundable.
COW offers Payment Services that allow you to authorize the purchase of goods and services online. We are not a bank and do not offer banking services as defined by the National Ordinance on Banking and Credit Supervision 1994 . You must open a COW Account before accessing the Payment Services.
In connection with the Payment Services, you authorize us to act as your agent for the limited purposes of making payments on your behalf. Your authorization permits us to generate virtual payment cards (“Virtual Cards”) for every transaction that you authorize. Your authorizations will remain in full force and effect until you close a Virtual Card or your COW Account is closed or terminated.
Virtual Cards are not issued to you and are not for consumer use. They are issued to COW and are used exclusively by COW to make payments on your behalf. You cannot use Virtual Cards in any way beyond their intended purpose.
Using the Service to Authorize Payments
For security and fraud protection, there is an initial limit on the dollar (USD) amount you can authorize in a transaction and there is an initial limit on the total dollar amount you can authorize over a period of time. The maximum amount of a single load and the maximum total balance for your account is $1,000 (One Thousand United States Dollar (USD). Additional per day, per week and per calendar month limits are subject to increase or decrease at our discretion based on an algorithmic review process and a manual review process.
You authorize COW to initiate loads from preferred load method up to $1,000 (One Thousand United States Dollar (USD)). You agree that load transactions you authorize comply with all applicable law.
You may not use the Payment Services for the following businesses or activities: (1) any illegal activity or goods, (2) paraphernalia that may be used for illegal activity (3) manual or automated cash disbursements, (4) prepaid cards or checks (5) sales of money-orders or foreign currency, (6) wire transfer money orders, (7) high-risk products and services, including telemarketing sales.
Conversion to US Dollars
Transactions made in currencies other than U.S. Dollars will be converted to U.S. Dollars. Conversion to U.S. Dollars may occur on a date other than the date of the transaction, thus the actual conversion rate may differ from the rate in effect at the time of the transaction. You agree to pay the converted amount plus any applicable conversion charges associated with processing the load transaction.
COW Account Registration for Payment Services
You must open a COW Account to access Payment Services. In order to use Payment Services, you must be at least 18 years old. You must use yours or your business’ true and accurate name when opening a COW Account.
Underwriting and Identity Verification
To help the government fight the funding of terrorism and money laundering activities, local law requires us to obtain, verify and record information that identifies each person who requests to use Payment Services.
What this means for you: When you open a COW Account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also require you upload a copy of your nationally issued ID or passport and a copy of recent proof of your home address. You are not permitted to create a COW Account using another person’s ID or passport.
We may make inquiries that we consider appropriate and use third party services to help us verify your identity and determine if we should open, maintain, collect or close your account. We may also report the status, history and/or closure of your account to third-party services.
If you allow someone else to use your COW Account, you are responsible and liable for all transactions, withdrawals, deposits and fees that arise out of such use.
Requests for Additional Information and Inspection
COW may request additional information from you at any time. For example, COW may ask you to present additional government issued identification, a business license, or other information. If you refuse any of these requests, your COW Account may be suspended or terminated.
Adding a Funding Source
Payments made by COW on your behalf are settled to an authorized funding source. In order to use COW’s Payment Services, you must first add an eligible funding source to your COW Account via the COW website or mobile app. By connecting a funding source, you are pre-authorized recurring transfers by COW from that funding source.
If you add a funding source to your COW Account, you agree that:
- You are the owner of the funding source;
- You are authorized to transfer funds from that funding source; and
- You authorize us to initiate debits from your funding source according to your instructions.
Any authorizations to debit a funding source will remain in full force and effect until you cancel the authorization by removing the funding source. You can remove a funding source on the COW website. If you cancel your authorization, you will give us reasonable time to act on your cancellation.
Each time a payment is made by COW on your behalf, the amount of the transaction will be settled from your COW Account. If COW is not able to settle a transaction with your account, your COW Account may be suspended.
Availability of Payment Services
We may restrict your access to Payment Services if we need to conduct an investigation or resolve any pending dispute related to your use of the Payment Services. We may also restrict access to Payment Services as necessary to comply with applicable law or court order, or if requested by any governmental entity.
COW Account History
When a payment is made on your behalf we will update your COW Account activity on the website and provide you a transaction confirmation. The confirmation will serve as your receipt. Summaries of your COW Account activity, including monthly statements, are available on our website for up to one year of account activity. Except as required by law, you are solely responsible for (a) compiling and retaining permanent records of all transactions and other data associated with your COW Account and your use of the Payment Services, and (b) reconciling all transactional information that is associated with your COW Account. If you believe that there is an error or unauthorized transaction activity is associated with your COW Account, you must contact us immediately.
Merchant Payment Dispute
If you’re unable to resolve a payment transaction related issue directly with a merchant, you may notify us by contacting email@example.com.
You will not act as a payment facilitator or otherwise resell the Payment Services to any third party. You will not use the Payment Services to handle, process or transmit funds for any third party.
Unauthorized or Illegal Use
You will only use your COW Account for transactions that are allowed by law. We may decide not to authorize or settle any transaction that you submit to us if we believe that the transaction is in violation of these terms or any other agreement with COW, or that it exposes you, our customers, our processors, merchants or COW to harm. Harm includes fraud and other criminal acts. If we suspect that your COW Account has been used for an unauthorized, illegal, or criminal purpose, you give us express authorization to share information about you, your COW Account, and any of your transactions with law enforcement and, as deemed necessary by COW, our payment processing and financial institution partners. We hold the discretion to close your account if you are improperly/unethically using the COW Virtual Payment Cards. This includes:
- Purchases at restricted merchants
- Any activities that might be fraudulent or against our terms of service. These are investigated/reviewed on a case by case basis
In addition to the General Terms, you will indemnify, defend, and hold us and our processors (and our respective employees, directors, agents, affiliates and representatives) harmless from and against any and all claims, costs, losses, damages, judgments, Tax assessments, penalties, interest, and expenses (including reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to any transaction submitted by you through the Payment Service.
You acknowledge that, except as otherwise prohibited by law, COW will have the right to charge or set off against your account any indebtedness or other obligations which you owe us, at any time, without any further notice to or demand on you, whether the indebtedness or other obligations exist at the time the account is opened or arise later. The indebtedness includes, without limitation, all charges incurred on any account you hold with COW. You agree that COW may set off against the account any claim which we have against you without regard to the source or ownership of the funds on deposit in the account and without requirement that the claim be owed to us by all of the account owners. You also agree that, to the extent allowed by law, COW may set off any indebtedness or other obligations which you owe us under this Agreement against any other account or property in which you have an ownership interest that is in COW’s possession or control.
In the event that COW offers COW Credits, these will be credited to your COW account. COW Credits can be used for payment of an eligible purchase made with your COW Account. Unless expressly stated otherwise, unused COW Credits may expire after twelve months of account inactivity. COW Credits are not redeemable for cash, cannot be transferred, gifted, exchanged, or sold between users.
Your eligibility to participate in any COW promotions is at our sole discretion. COW reserves the right to terminate any promotions at any time and to refuse or recover any promotion award for any reason, including, but not limited to, your breach of these Terms.
New and current COW users who have accounts may be provided with a unique referral URL that permits the COW user (each a “Referrer Customer”) to refer acquaintances to COW. Referred customers (each, a “Referred Customer”) must register for COW using the unique URL provided by COW.
Subject to these terms and conditions, any Referrer Customer that refers an acquaintance to COW will receive the applicable amount and/or COW credits in his COW Account credit (“Referrer Bonus”) for every such referral when the Referred Customer successfully registers and makes a qualifying transaction with COW (the “Referral Offer”).
COW Referrer Bonuses and Referred Bonuses will be credited after a Referred Customer successfully loads their COW Account.
Determination of program eligibility and qualifying referrals are at the sole discretion of COW. COW reserves the right to verify and adjust referral credits at any time prior to or following credit. Your COW Account must be active and in good standing, as determined by COW at its sole discretion, to receive the Referrer Bonus or Referred Bonus.
This Referral Offer is intended for COW customers only to refer their acquaintances to COW and should not be advertised, marketed or otherwise utilized for commercial purposes. This Referral Offer is a limited time offer and COW reserves the right to modify, suspend or cancel this Referral Offer at any time without notice.
Termination of Payment Services
The provisions regarding termination pursuant to the General Terms are applicable to the termination of Payment Services. Any termination of these terms does not relieve you of obligations to pay Fees or costs accrued prior to the termination, Chargebacks, and any other amounts owed to us as provided in these Additional Terms or the General Terms. In the event your COW Account has a negative balance, COW reserves the right to withhold refunds or credits to settle the negative balance. If your access to Payment Services has been terminated, you may still be permitted to use COW’s other products, subject to our discretion.
Last updated: February, 2021.