Terms of Service

1. Agreement to Terms

Welcome to Slaash (also known as "Debt Payoff Companion" or "Debt Payoff Tracker"). These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and the operator of Slaash ("Company," "we," "us," or "our") regarding your access to and use of the Slaash mobile application (the "App") and related services (collectively, the "Service").

By downloading, installing, accessing, or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

2. Eligibility

2.1 Age Requirement

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

2.2 Geographic Restriction

The Service is designed exclusively for users located in the United States and supports connections only to United States financial institutions. By using the Service, you represent and warrant that you are located in the United States.

2.3 Technical Requirements

You must have a compatible iOS device to access and use the App. The Service is available only on native iOS devices and is not available on other platforms.

3. Description of Service

3.1 Core Functionality

Slaash is a debt payoff tracking application designed specifically for credit card debt management. The Service provides:

• Automatic connection to credit card accounts through third-party financial data aggregation services
• Retrieval and display of account balances, credit limits, APRs, minimum payments, and due dates
• Creation of optimized debt payoff plans using Snowball (smallest balance first) or Avalanche (highest APR first) methods
• Calculation and projection of debt-free timelines and interest costs
• Visual progress tracking and milestone celebrations
• Payment reminders and progress notifications

3.2 Limitations of Service

The Service is limited to credit card debt tracking only. The Service does NOT:

• Support tracking of mortgages, auto loans, student loans, personal loans, or other forms of debt
• Provide budgeting, spending analysis, or financial planning features
• Initiate, process, or facilitate any payments or money transfers
• Connect to payment systems or banking platforms for transaction purposes
• Offer financial, tax, legal, or investment advice
• Provide community features, social networking, or user-to-user interactions

3.3 Informational Nature of Service

IMPORTANT: The Service provides informational and educational tools only. All debt payoff projections, calculations, and recommendations are estimates based on the data provided and assume consistent payments and no additional charges. The Service does NOT initiate or process any payments on your behalf. You are solely responsible for making all payments to your creditors through your normal banking channels.

4. Account Registration and Authentication

4.1 Account Creation

To use the Service, you must create an account by authenticating through one of the following methods:

• Sign in with Apple (OAuth)
• Sign in with Google (OAuth)

The Service does not offer email/password authentication. Your account is managed through Supabase authentication services.

4.2 Account Information

You agree to provide accurate, current, and complete information during registration and to update such information to maintain its accuracy. We collect your email address, display name, and profile photo URL from your chosen OAuth provider.

4.3 Account Security

You are responsible for maintaining the security of your account credentials with your OAuth provider. You agree to immediately notify us of any unauthorized access to or use of your account.

4.4 Account Uniqueness

Each account is personal to you and may not be shared, transferred, or sold to any other person or entity.

5. Third-Party Services and Data Collection

5.1 Plaid Integration

The Service uses Plaid Inc. ("Plaid"), a third-party financial data aggregation service, to connect to your credit card accounts and retrieve financial information. By connecting your financial accounts through the Service:

• You authorize Plaid to access your financial institution accounts on your behalf
• You are subject to and agree to comply with Plaid's End User Privacy Policy, available at https://plaid.com/legal/
• You grant us permission to receive, store, and use your financial data obtained through Plaid
• You acknowledge that Plaid's ability to access your financial data depends on your financial institution's cooperation and technical availability

Financial data retrieved through Plaid includes:

• Credit card account names and issuer names
• Current balances and credit limits
• Annual Percentage Rates (APR)
• Minimum monthly payments and due dates
• Transaction history (used for automatic payment detection)
• Last synchronization timestamps

Plaid access tokens are encrypted before storage in our systems.

5.2 Supabase Backend Services

The Service uses Supabase for backend infrastructure, including database storage (PostgreSQL), user authentication, and serverless functions. Your data is stored with Row Level Security (RLS) policies ensuring that you can access only your own data.

5.3 RevenueCat Subscription Management

The Service uses RevenueCat for subscription management, which interfaces with Apple's App Store for payment processing. RevenueCat manages subscription status and feature entitlements.

5.4 Apple Push Notification Service

The Service uses Apple Push Notification Service (APNs) to deliver notifications to your device, including payment reminders, milestone celebrations, and weekly progress summaries. A device token is stored to enable push notification delivery.

5.5 Third-Party Terms and Policies

Your use of these third-party services through our Service is subject to their respective terms of service and privacy policies. We are not responsible for the practices, policies, or performance of these third-party services.

6. Data Collection, Storage, and Security

6.1 Data We Collect

In addition to financial data obtained through Plaid (detailed in Section 5.1), we collect and store:

Account Information:

• Email address, display name, and profile photo URL from your OAuth provider
• Unique user identifier

User-Created Data:

• Payoff strategy selection (Snowball or Avalanche)
• Monthly extra payment amount settings
• Target debt-free date goals
• Manually added debt accounts (if not using Plaid)

Preferences:

• Notification settings and reminder timing preferences
• Appearance mode (light, dark, or system)
• Demo mode toggle status

Device Information:

• APNs device token for push notifications
• iOS platform identifier

6.2 Data Storage

Your data is stored in two locations:

On-Device: Data is stored locally on your device using Swift Data for offline access and performance optimization.

Cloud Storage: All data synchronizes to our Supabase database (PostgreSQL). Synchronization uses a local-first architecture with bidirectional sync and last-write-wins conflict resolution.

6.3 Data Security

We implement industry-standard security measures to protect your data, including:

• Row Level Security (RLS) on all database tables to ensure data isolation
• Encryption of Plaid access tokens before storage
• Secure authentication requirements for all API calls
• Secure nonce generation for Apple Sign In with SHA256 hashing
• HTTPS/TLS encryption for data in transit

However, no method of electronic storage or transmission is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

6.4 Data Accuracy

The accuracy of financial data displayed in the Service depends on:

• Plaid's successful connection to your financial institutions
• Your financial institutions providing accurate data to Plaid
• Synchronization timing (automatic nightly sync)
• Accuracy of any manually entered data

We cannot and do not guarantee real-time accuracy of financial data. Balances and account information may be delayed by 24-48 hours or more depending on your financial institution's data availability.

7. Subscription Terms and Pricing

7.1 Service Tiers

The Service is offered in two tiers:

Free Tier:

• Track one (1) credit card
• Full access to debt payoff strategies and projections
• All core tracking features

Premium Tier:

• Track unlimited credit cards
• Home screen widgets
• Advanced analytics and insights
• Priority notifications
• Family Sharing support through Apple's App Store

7.2 Subscription Options

Premium subscriptions are available as:

• Monthly subscription
• Annual subscription

Prices are displayed in the App at the time of purchase and are charged in U.S. dollars through the Apple App Store.

7.3 Payment and Billing

• Payment is charged to your Apple iTunes Account at confirmation of purchase
• Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current subscription period
• Your account will be charged for renewal within 24 hours prior to the end of the current period
• The renewal charge will be the same price as the original subscription unless we notify you of a price change in advance

7.4 Managing Subscriptions

• You can manage your subscription and turn off auto-renewal in your Apple App Store account settings
• Cancellation of the current subscription is not allowed during the active subscription period
• Subscriptions are tied to your Apple ID, not your Slaash account

7.5 Free Trials

We may offer free trial periods for Premium subscriptions. If a free trial is offered:

• You will be charged the subscription price immediately after the trial period ends unless you cancel before the trial expires
• Any unused portion of a free trial period is forfeited when you purchase a subscription
• Eligibility for free trials is determined by Apple and may be limited to one per Apple ID

7.6 Refund Policy

All purchases are processed through the Apple App Store and are subject to Apple's refund policies. We do not provide refunds for partial subscription periods. To request a refund, you must contact Apple Support directly.

7.7 Changes to Pricing

We reserve the right to modify subscription pricing at any time. Price changes will not affect existing subscribers until their next renewal period, and you will be notified of price changes in advance through the App or via email.

7.8 Family Sharing

Premium subscriptions support Apple's Family Sharing feature, allowing eligible family members to share the subscription. Family Sharing eligibility and management is controlled by Apple's App Store.

8. Notifications and Communications

8.1 Types of Notifications

The Service may send you push notifications including:

• Payment reminders before due dates (configurable timing)
• Payment detected confirmations when Plaid identifies a payment
• Debt paid off celebrations when a card reaches zero balance
• Milestone notifications for progress achievements
• Weekly summary digests of your progress

8.2 Notification Controls

You may control notifications through:

• Master push notification toggle in the App
• Individual settings for payment reminders and weekly digests
• Snooze functionality for specific reminders
• iOS system notification settings for the App

8.3 Service Communications

We may send you service-related emails or in-app messages regarding:

• Changes to these Terms
• Changes to our Privacy Policy
• Important service updates or security notices
• Response to your support inquiries

You cannot opt out of service-related communications, though you may delete your account if you no longer wish to receive them.

9. Widgets (Premium Feature)

9.1 Widget Functionality

Premium subscribers may add iOS home screen widgets that display:

• Total remaining debt
• Progress percentage toward debt-free status
• Months until projected debt-free date
• Next payment amount and due date
• Current focus debt (priority card)

9.2 Widget Data

Widget data is shared via iOS App Group container and refreshes when app data changes. Widgets display cached data and may not reflect real-time updates from your financial institutions.

10. Demo Mode

The Service includes a Demo Mode feature that allows you to display sample, fictional data instead of your actual financial information. Demo Mode is designed to help you demonstrate the App's functionality without exposing your real debt information. Data shown in Demo Mode is not real and is generated for demonstration purposes only.

11. Offline Functionality

11.1 Offline Features

The Service provides limited offline functionality using cached data:

• Previously loaded debt data and payoff plans remain viewable
• Charts and projections continue to function with cached data
• You may modify settings and preferences

11.2 Offline Limitations

When offline, the Service cannot:

• Fetch new or updated financial data from Plaid
• Synchronize changes to our cloud database
• Send or receive notifications

Changes made while offline will synchronize automatically when internet connectivity is restored.

12. Intellectual Property Rights

12.1 Ownership

The Service, including its design, code, features, functionality, user interface, graphics, text, and all related intellectual property, is owned by the Company and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

12.2 License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

• Download and install the App on devices you own or control
• Access and use the Service for your personal, non-commercial use

12.3 Restrictions

You may not:

• Copy, modify, distribute, sell, lease, or sublicense the Service
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices
• Create derivative works based on the Service
• Use any automated systems or software to extract data from the Service
• Frame or mirror any part of the Service
• Use the Service to develop a competing product or service

12.4 Trademarks

"Slaash," "Debt Payoff Companion," "Debt Payoff Tracker," and associated logos are trademarks of the Company. You may not use these trademarks without our prior written consent.

13. Acceptable Use Policy

13.1 Prohibited Activities

You agree NOT to:

• Use the Service for any unlawful purpose or in violation of any applicable laws or regulations
• Provide false, inaccurate, or misleading information
• Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity
• Attempt to gain unauthorized access to the Service, other user accounts, or computer systems or networks
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Use any robot, spider, scraper, or other automated means to access the Service
• Introduce viruses, malware, or other malicious code
• Attempt to bypass any security measures or access controls
• Use the Service if you are under 18 years of age
• Share your account credentials with any other person
• Use the Service in any manner that could damage, disable, overburden, or impair the Service

13.2 Enforcement

We reserve the right to investigate and take appropriate legal action against anyone who violates this Acceptable Use Policy, including removing content, suspending or terminating accounts, and reporting users to law enforcement authorities.

14. Disclaimers and Limitations of Liability

14.1 No Financial Advice

THE SERVICE DOES NOT PROVIDE FINANCIAL, TAX, LEGAL, OR INVESTMENT ADVICE. All information, projections, calculations, and recommendations provided through the Service are for informational and educational purposes only. The Service should not be considered a substitute for professional financial advice.

You acknowledge and agree that:

• Debt payoff projections are estimates based on current data and stated assumptions
• Actual results may vary significantly from projections
• Projections assume consistent payments and no additional charges or fees
• You should consult with qualified financial, tax, and legal professionals before making financial decisions
• We are not responsible for any financial decisions you make based on information from the Service

14.2 No Guaranteed Outcomes

We make no guarantees, representations, or warranties regarding:

• The accuracy, completeness, or timeliness of financial data
• The achievement of any debt payoff timeline or goal
• Your ability to follow through with any debt payoff plan
• The financial outcomes resulting from use of the Service

14.3 Service Availability

We do not guarantee that:

• The Service will be available at all times without interruption
• The Service will be free from errors, bugs, or security vulnerabilities
• Connections to Plaid or your financial institutions will be successful or continuous
• Data synchronization will occur without delay or data loss

14.4 Third-Party Dependencies

The Service relies on third-party services including Plaid, Supabase, RevenueCat, and Apple services. We are not responsible for:

• The performance, availability, or reliability of these third-party services
• Any errors, omissions, or inaccuracies in data provided by third-party services
• Changes to third-party services that may affect the functionality of our Service
• Third-party service outages or interruptions

14.5 "AS IS" and "AS AVAILABLE" Disclaimer

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR SECURITY.

14.6 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES
• DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES
• FINANCIAL LOSSES RESULTING FROM DECISIONS MADE BASED ON INFORMATION FROM THE SERVICE
• DAMAGES RESULTING FROM INACCURATE OR DELAYED FINANCIAL DATA
• DAMAGES RESULTING FROM SERVICE INTERRUPTIONS, ERRORS, OR UNAVAILABILITY
• DAMAGES RESULTING FROM THIRD-PARTY SERVICE FAILURES
• DAMAGES RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA
• DAMAGES RESULTING FROM YOUR FAILURE TO MAKE DEBT PAYMENTS OR MANAGE YOUR FINANCES

THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

14.7 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL LIABILITY OF THE COMPANY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

14.8 State-Specific Rights

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the limitations in this Section may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

15. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, agents, affiliates, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of or inability to use the Service
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights or privacy rights
• Your violation of any applicable laws or regulations
• Any financial decisions you make based on information from the Service
• Any inaccurate or incomplete information you provide to the Service

This indemnification obligation survives the termination of these Terms and your use of the Service.

16. Account Termination

16.1 Termination by You

You may terminate your account at any time through the account settings in the App. When you delete your account:

• All your data will be permanently deleted from our servers (CASCADE delete)
• All Plaid connections will be revoked
• Local data on your device will be cleared
• You will lose access to all Service features

IMPORTANT: Deleting your Slaash account does NOT cancel your Premium subscription. You must separately cancel your subscription through your Apple App Store account settings to avoid future charges.

16.2 Termination by Us

We reserve the right to suspend or terminate your account and access to the Service, without notice, for:

• Violation of these Terms
• Violation of our Acceptable Use Policy
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Any other reason at our sole discretion

16.3 Effect of Termination

Upon termination of your account:

• Your license to use the Service immediately terminates
• We may delete your data in accordance with our data retention policies
• You remain responsible for all charges incurred prior to termination
• Sections of these Terms that by their nature should survive termination will survive, including intellectual property provisions, disclaimers, limitations of liability, and indemnification

16.4 No Refunds Upon Termination

Termination of your account does not entitle you to a refund of any subscription fees. All payments are non-refundable except as required by applicable law or Apple's refund policies.

17. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from anyone under 18 years of age. If we discover that we have collected personal information from a person under 18, we will delete that information immediately. If you believe we have collected information from someone under 18, please contact us immediately.

18. Modifications to Terms

18.1 Right to Modify

We reserve the right to modify these Terms at any time, at our sole discretion. When we make changes, we will:

• Update the "Last Updated" date at the top of these Terms
• Notify you through the App, via email, or by other reasonable means
• Provide you with the opportunity to review the changes

18.2 Acceptance of Changes

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of those changes. If you do not agree to the modified Terms, you must stop using the Service and may delete your account.

18.3 Material Changes

For material changes that substantially affect your rights or obligations, we will provide advance notice (at least 30 days when reasonably possible) and may require you to affirmatively accept the new Terms before continuing to use the Service.

19. Modifications to Service

19.1 Service Changes

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice, for any reason including:

• Technical improvements or updates
• Changes to third-party services we depend on
• Legal or regulatory requirements
• Business decisions

19.2 No Liability for Changes

We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

19.3 Feature Changes

Specific features, including Premium features, may be added, modified, or removed at our discretion. If a Premium feature is permanently removed, we will provide reasonable notice to Premium subscribers.

20. Governing Law and Dispute Resolution

20.1 Governing Law

These Terms and your use of the Service shall be governed by and construed in accordance with the laws of the United States and the state in which the Company is domiciled, without regard to conflict of law principles.

20.2 Jurisdiction and Venue

You agree that any dispute arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the state and federal courts located in the United States. You consent to personal jurisdiction and venue in such courts.

20.3 Limitation on Time to File Claims

Any claim or cause of action arising out of or relating to these Terms or the Service must be filed within one (1) year after the claim or cause of action arose, or it shall be forever barred.

20.4 Waiver of Class Actions

TO THE EXTENT PERMITTED BY APPLICABLE LAW, ALL CLAIMS MUST BE BROUGHT IN A PARTY'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. YOU AGREE TO WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

21. Miscellaneous Provisions

21.1 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or policies published by us in the App, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements, understandings, and communications.

21.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

21.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of the Company.

21.4 Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations hereunder without our prior written consent. We may freely assign these Terms without restriction. Any attempted assignment in violation of this section is void.

21.5 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as expressly stated herein.

21.6 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

21.7 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

21.8 Language

These Terms are drafted in English. If these Terms are translated into any other language, the English version shall prevail in the event of any conflict or discrepancy.

21.9 Electronic Communications

You consent to receive communications from us electronically, including via email or in-app notifications. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

21.10 Apple-Specific Terms

Because the App is distributed through Apple's App Store, you acknowledge and agree that:

• These Terms are between you and the Company only, not with Apple
• Apple has no obligation to furnish maintenance or support services for the App
• In the event of any failure of the App to conform to applicable warranties, you may notify Apple, and Apple will refund the purchase price (if any) to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the App
• Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession and/or use of the App
• Apple is not responsible for investigation, defense, settlement, or discharge of any third-party claim that the App infringes intellectual property rights
• You represent and warrant that: (i) you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties
• You must comply with applicable third-party terms when using the App (e.g., your wireless data service agreement)
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary

22. Contact Information

If you have questions, concerns, or complaints about these Terms or the Service, please contact us at:

Email: support@slaash.app

Website: https://slaash.app

For questions specifically regarding:

• Privacy and data handling: Refer to our Privacy Policy
• Account deletion requests: Use the in-app account deletion feature or contact us at the email above
• Subscription billing and refunds: Contact Apple Support (as subscriptions are processed through the Apple App Store)
• Plaid connection issues: First try reconnecting through the App; if problems persist, contact us

23. Acknowledgment and Acceptance

BY CLICKING "ACCEPT," "I AGREE," OR BY DOWNLOADING, INSTALLING, ACCESSING, OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.