1. ACCEPTANCE OF TERMS.
DNM Marketing LLC DBA GiftCardOutlets, an Illinois Limited Liability Company (Hereby referred to as “GCO” ), does hereby make this website (the “Website”), including all images, information, documents,
communications, files, text, graphics, software, products available through the Website (collectively, the “Materials”) and all services operated by us and third parties throughout the Website (collectively,
the “Services”), available for your use subject to the terms and conditions set forth in this Terms of Use Agreement and any changes, or modifications, to this Agreement that we may periodically issue
and publish (collectively, the “Terms of Use” or “Agreement”). These terms and conditions constitute a legally binding agreement between you and GCO, establishing the terms and conditions under
which you and GCO agree to operate. In particular but not limited to, you agree you will submit information to us and use our Website and GCO services to purchase and/or sell gift cards, merchandise
credits or similar items that are redeemable for goods and services from third parties (a “Gift Card”). You do hereby agree to be bound by the terms and conditions of this Agreement Whenever
accessing or using this Website in any way, including, without limitation, use of any of GCO services, downloading of Materials, selling and/or buying any gift card, or merely browsing the Website. Any
guidelines posted on the Website, or provided to you by GCO are incorporated into this Agreement, and you do hereby agree to be bound to and obligated by these additional terms and modifications.
You further acknowledge and agree that these Terms of Use will govern your relationship with GCO us in all dealings whether you access our Services through the GCO Website, a mobile device or
application, or through a third party website such as Facebook, or any other communication medium.
You must have attained the age of 18 years old to use this website or any GCO services. In the event you are under the age of 18 years old you must have the consent of a legal guardian over the age of
18 years. Individuals who are under the age of 18 years and do not have the consent of a legal guardian are prohibited from using this website, or doing business with GCO.
BEFORE YOU CHECK THE BOX AND CLICK ON THE “I ACCEPT” BUTTON, CAREFULLY READ THE TERMS AND CONDITIONS OF THIS AGREEMENT. BY CLICKING ON THE “I ACCEPT” BUTTON OR USING THE
WEBSITE IN ANY MANNER, YOU ARE AGREEING TO BE BOUND BY AND ARE BECOMING A PARTY TO THIS AGREEMENT. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF THIS AGREEMENT, DO NOT
CLICK THE “I ACCEPT” BUTTON AND YOU WILL NOT BE PERMITTED TO USE OUR SERVICES OR SELL OR PURCHASE GIFT CARDS THROUGH OUR WEBSITE. WE RESERVE THE RIGHT TO CHANGE THE
TERMS OF THIS AGREEMENT IN THE FUTURE AND ANY CHANGES OR MODIFICATIONS SHALL APPLY TO YOUR USE OF THE WEBSITE IMMEDIATELY.
MEMBERSHIP
Applicants must register for a GCO account in order to buy and sell gift cards on the GCO website. To register applicants may be asked to provide any or all of the following information: legal and current
name, home address, phone number, an active email address, and credit card information. Applicants agree that the information you provide to us on registration and at all other times, will be true,
correct, accurate, current, and complete. Furthermore, applicants agree to keep all information submitted to GCO accurate and current at all times. When you register, you will be asked to provide and
maintain a unique and confidential password. You will be responsible for all activities that occur under your password, Applicants are solely responsible for maintaining the confidentiality, safety and
security of your account and password and for restricting access to your computer, and as a member you agree to accept responsibility for all activities that occur under your account, or password.
Furthermore, it is agreed and understood that members may only create one single account for individual use.
Due to the nature of the services provided through the Website, and the concern for abuse we reserve the right to suspend, revoke, terminate or cancel the membership and account of any buyer or
seller who we believe, in our sole discretion, abuses or attempts to abuse our services, or who we believe poses a financial risk to GCO, our affiliates clients, customers, vendors and third party partners. In
addition, any such fraudulent conduct or abuse shall be reported to the appropriate legal authorities without delay or hesitation.
2. SELLING GIFT CARDS TO GIFT CARD OUTLETS.
Anyone who sells a Gift Card on or through our Website, agrees to transfer complete ownership and rights of ownership to the Gift Card therein to GCO for payment in the amount agreed upon by GCO.
Subsequent to a gift card sale to GCO, Seller shall not to permit, authorize, encourage, or allow anyone else to, redeem, claim, attach or transfer, any portion of the Gift Card, or any interest therein. Seller
is responsible for shipping the Gift Card to GCO , and once received, we will verify the Gift Card balance and validity. Payment may be submitted as soon as 2 days, however, we reserve the right to hold
payment for a period of up to 90 ninety business days following our receipt of the Gift Card if we determine, in our sole discretion, that the contemplated transaction may be fraudulent, or invalid for
any reason, or if the seller has a prior history of invalid transactions. Prior to the expiration of the 90 day period GCO will either mail payment to you, or return your rejected Gift Card. When you submit
an offer to sell a Gift Card, we may require that you provide GCO with valid payment information (such as credit card information),or additional information, to enable us to verify your name and address.
No sale or transaction is complete, and GCO will incur no payment obligations of any kind, until we verify and accept delivery of all Gift Cards associated with such a transaction. GCO accepts no
responsibility for any Gift Cards until received in our facility, and the Gift Card balance and other details are verified. We recommend you package all Gift Cards securely prior to mailing to ensure your
Gift Cards arrive promptly, safely and are not damaged, or destroyed. Upon our verification that your Gift Cards meet GCO guidelines, we will notify you that transaction is complete. Only this notification
obligates GCO to pay you for the Gift Cards purchased.
In connection with any sale of Gift Cards to GCO the seller hereby guarantee, represent and warrant, and continue to represent and warrant, the following: (a) the Gift Card is valid; (b) the Gift Card is
redeemable for the amount of credit that you state in connection with the sale of your Gift Card; (c) that you have released all ownership interests and have not in any way retained a way to redeem,
control or use the Gift Card after the selling the Gift Card to GCO us; (d) the Gift Card and any interest therein is fully transferable to us in the manner contemplated by this Agreement; (e) you are the
sole lawful owner of the Gift Card and all interests thereto; (f) the Gift Card is not subject to any liens, obligations, or encumbrances of a third party; and (g) you shall comply with all other requirements
to complete the sale transaction, including without limitation any shipping instructions, required by GCO. Gift Cards that have an expiration date are acceptable ONLY if: (1) you fully disclose and
expressly provide us with notice of the expiration upon your submission of an offer; and (2) the expiration date is at least 6 months after the date on which we receive it.
It is mutually agreed and understood that the delivery of your Gift Card and our initial inspection of it does not complete a sale transaction and merely constitutes a legal offer to GCO. Specifically,
sending a Gift Card or Gift Cards to GCO in no way obligates GCO to accept ownership of such Gift Card, or Gift Cards. GCO reserves the right to reject any Gift Card, or cards, that we believe, in our sole
discretion, may be fraudulent or stolen, or which may have come from any unauthorized source, or which otherwise may pose a financial risk to GCO, our users, clients, customers or merchants and gift
card issuers. Generally, we will return cards we reject, or deem unacceptable within twenty (20) business days of our receipt of the Gift Card. We accept no responsibility, or liability, for any lost or
damaged packages, or packages altered in transit, whether in transit to GCO or in return transit to the seller. It is further mutually agreed that until we receive all Gifts Cards associated with a particular
sale transaction, seller remains liable for all risk of loss and delay.
If GCO rejects a Gift Card for any reason, we may return the Gift Card to you using the address information you provide to GCO in your member profile. If we receive notice of a claim, a complaint, or
otherwise discover that the value of a Gift Card you sold to GCO has been depleted, expired or wasted, and we are able to verify such claim, we reserve the right to charge you a replacement fee equal to
the amount we paid to you for the Gift Card, plus bank charges and costs incurred by GCO. Seller agrees and authorizes GCO to immediately charge any such fees to you. You understand that depending
on the transaction it may take us GCO up to six (6) months to determine that a Gift Card you sold to us was obtained fraudulently, stolen, inactive, expired or depleted. Accordingly, it is agreed and
understood that if we determine at any later time that any Gift Card sold to GCO was acquired fraudulently, or if the card balance has negatively changed from the amount represented to GCO for any
previously non disclosed reason, you consent to and authorize GCO to charge‐back, reclaim, or withdraw our payment to you. If ACH was used as a method of payment, you authorize GCO in such a case
to make a withdrawal of the funds deposited. Likewise, if you, as the seller, have supplied GCO with credit card information, you authorize GCO to charge the applicable purchase amount to your credit
card. Seller further agrees that GCO is unsuccessful in making a withdrawal, charging your credit card, or charging‐back our payment, you will personally be responsible to issue a full refund to us
without delay. Any unpaid amounts due to GCO and not fully repaid within 30 days shall incur interest in the amount of 24% annually. In the event we are required to retain an attorney, or other
individual or entity to assist us in collecting moneys you owe to us, you will be responsible to compensate GCO for all such expenses and attorney fees incurred in such collection efforts.
When you sell a Gift Card on or through our Website, we guarantee: (i) we will pay you by check or any other means agreed‐upon and send payment within twenty (20) business days of the sale
transaction; and (ii) the payment amount will be calculated based on the value of the Gift Card you send to us (which we will verify upon receipt) and the discount rate you agreed to in connection with
the sale transaction. We are not responsible for any payments that are lost, or sent to an invalid party due to incorrect information submitted by seller.
3. BUYING GIFT CARDS FROM GIFT CARD OUTLETS.
Gift Cards will generally ship out to purchaser within 2‐3 business days from the time your order was placed. A USPS mail tracking number for transactions exceeding $200 will be provided by GCO. GCO
responsibility for any card purchased terminates as soon as the Gift Card is placed in the possession and control of the USPS, or any third party package handler.
It is mutually agreed and understood that all purchases are final and, with the exception below, we will accept no returns and issue no refunds or credits. However, if the funds available on the Gift Card
delivered and received by you is less than the one you purchased, or, if your purchased Gift Card is invalid, or not the correct merchant, retailer or brand, you may process a claim for a refund, provided
that (a) you submit a claim to support@giftcardoutlets.com within 60 days of your purchase of the Gift Card, and (b), you complete and submit to GCO an affidavit as per our instructions. Upon our
receipt of any claim, we reserve the right to investigate and review the purchase history on the Gift Card in order to avoid abusive and dishonest practices. If we determine that your claim is valid, GCO, in
our discretion, will either provide you with a replacement Gift Card for the same merchant or issue you a refund for the disputed amount. You agree that a return will only be accepted by GCO if: (1) the
Gift Card is in the same condition in which it was received and is still valid; (2) the Gift Card has not been used since the date of your purchase; (3) the Gift Card is redeemable for the same amount of
credit that you state in your claim; (4) you are the sole owner of the Gift Card and the Gift Card is fully transferable to GCO without restriction, limitation or liens; and (5) you fully comply with all GCO
instructions regarding the return and shipping of the Gift Card back to us. It is agreed and understood that the replacement Gift Card, or full refund, shall be purchasers’ sole and exclusive remedy for
any valid claim made under this Agreement. In the event a good faith refund is made for any reason and GCO determines at a later date that the customer has fully or partially redeemed any previously
refunded gift card, GCO shall be permitted to charge, or debit any card or account on file with GCO, or available to GCO for the full amount owed, plus any fees or costs incurred.
4. ERRORS ON THE WEBSITE; BILLING AND SHIPPING ERRORS.
GCO cannot guarantee that our Website is entirely current and/or that the products and descriptions provided on the Website are current, accurate and/or in stock. Consequently, we reserve the right to
cancel an order, partially, or, completely for items that are out of stock or omitted by our shipping department. If an item was omitted we may, in our sole discretion, re‐ship the missing item at no cost
to you. If we shipped additional Gift Cards, or a card of greater value that the one ordered, purchaser agrees to notify us of this error within 7 business days, and agrees to accept responsibility for
repayment of any overage to GCO. GCO will then provide a free shipping label for you to return the card. If the card is not returned to GCO within 7 days from receipt, GCO shall charge/bill purchaser
for the remaining balance or any excess, or overage amount.
5. INTELLECTUAL PROPERTY; LIMITED LICENSE TO USERS
The Materials and Services on this Website, as well as their selection and arrangement, are protected by copyright, trademark, patent, and/or other intellectual property laws, and any unauthorized use
of the Materials or Services at this Website may violate such laws and these Terms of Use. Except as expressly provided herein GCO does not grant any implied rights to use the Materials or Services.
Purchaser agrees not to copy, republish, frame, download, transmit, modify, lease, sell, assign, distribute, license, sublicense, reverse engineer, or create derivative works based on the Website, its
Materials, or its Services or their selection and arrangement, except as expressly authorized herein. In addition, purchaser agrees not to use any data mining, robots, or similar data gathering and
extraction methods in connection with the Website.
In addition to the Materials and Services offered by GCO, this Website may also make available, through third party links or otherwise, materials, information, products and services provided by third
parties (collectively, the “Third Party Services”). The Third Party Services may be governed by separate license agreements that accompany such services. We offer no guarantees, make no representations
or endorsements, and assume no responsibility or liability of any type with respect to the Third Party Services. It is agreed and understood that you will not hold GCO responsible, or liable, or seek to do
so, with respect to the Third Party Services.
6. TRADEMARK INFORMATION
The trademarks, logos, and service marks, including “Gift Card Outlets,” (the “Marks”) displayed on this Website are the property of Gift Card Outlets or other third parties. You are not permitted to use
the Marks without the prior written consent of GCO, or such third party that may own the Marks.
7.LICENSE TO GIFT CARD OUTLETS FOR USER CONTENT
Our Website may accommodate user‐generated content (“User Content”), which may include comments, reviews and recommendations. By submitting any User Content to this Website you warrant that
you are the sole copyright owner of such uploaded content and that GCO’ presentation on the Website of such content will not infringe any intellectual property rights belonging to a third party, or
claimed to be the property of a third party. By uploading any User Content you grant to GCO a worldwide, perpetual, royalty‐free, non‐exclusive license to, publically display and present such content,
and to modify, compile, reproduce, sell, license and distribute such User Content in its original form, or as any derivative of such User Content without payment or royalty to you. Moreover, its is agreed
and understood that GCO has no obligation to publish any such User Content, and may in our sole discretion remove any User Content for any reason (including any content that we have reason to
believe may be fraudulent, misleading, improper, or otherwise in violation of this Agreement).
8. PROCESSING PAYMENT
It is agreed and understood that by virtue of this Agreement that whenever purchaser takes any action that has a fee or charge associated with it, such as purchasing a Gift Card, GCO is authorized to
charge you and your authorized payment method for the full amount of the applicable fee or charge. In addition, GCO may charge you in the event, and to the extent, that you incur any other fees, or
charges, or expenses of any kind, in connection with your use of our services or any Gift Card transactions. In addition, GCO reserves the right to apply any payments received on any transaction to any
preexisting debt, or delinquency, including costs, penalties and unpaid interest.
Likewise, GCO reserves the right to verify your address through your credit card, and related payment information, or by any other means available.
9. DIGITAL MILLENNIUM COPYRIGHT ACT
If you are a copyright owner or an agent thereof and believe that any User Content or other content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium
Copyright Act (“DMCA”) by providing us with the following information in writing (see 17 U.S.C 512﴾c)﴾3) for further detail): A physical or electronic signature of a person authorized to act on behalf of
the owner of an exclusive right that is allegedly infringed; Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a
single notification, a representative list of such works at that site; Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or
access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material; Information reasonably sufficient to permit us to contact you, such as an
address, telephone number, and, if available, an electronic mail; A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright
owner, its agent, or the law; and A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right
that is allegedly infringed. You may send the notification to GCO at support@giftcardoutlets.com.
10. PROHIBITED COMMUNICATIONS
You are responsible for all statements you make on this Website. GCO takes absolutely no responsibility for statements you make on or through the Website, and you agree to indemnify us for any loss
we realize as a result of any legal action taken against us because of your User Content, or your violation of the terms of this Agreement. You may submit only User Content to the Website that is not in
breach of these Terms of Use. Uploaded User Content must be either (a) owned by you; (b) submitted with the express written permission of the owner, or within the scope of the license to such content,
or ;﴾c) in the public domain. You are prohibited from posting or transmitting to this Website any unlawful, threatening, harassing, libelous, offensive, defamatory, obscene, or pornographic materials, or
other materials that would violate any law or the rights of others, including, without limitation, laws against copyright infringement, and rights of privacy and publicity. Any violation of these restrictions
may result in automatic and immediate suspension, revocation, denial of, or limitations on access by you to this Website.
11. USER CONDUCT
In using the Website, including all Services and Materials available through it, you agree: a) not to disrupt or interfere with any other users’ use or enjoyment of the Website, or affiliated or linked sites; b)
not to upload, post, or otherwise transmit through the Website any viruses or other harmful, disruptive, or destructive files or functions; c) not to disrupt or interfere with the security or privacy of, or
otherwise cause harm to, the Website, or any Services, Materials, system resources, servers, or networks connected to or accessible through the Website or any linked sites.
12. MANAGING CONTENT AND COMMUNICATIONS
GCO reserves the right, in our sole discretion, to delete or remove User Content from the Website and to restrict, suspend, revoke or terminate your subscription and access to part or all of this Website,
at any time without prior notice. We reserve the right to pursue all reasonable redress including full compensation for any damages associated with malicious or other behaviors or actions resulting from
unauthorized use of this Website. GCO may, but are not obligated to, monitor or review any areas on the Website where users and members transmit, or post, User Content. GCO disclaims any and all
liability related to User Content. including any and all liability with respect to the misuse, loss, modification, or unavailability of any User Content. GCO cannot and does not guarantee the accuracy,
integrity or quality of such User Content, and takes no responsibility whatsoever with respect to the accuracy or integrity of any User Content, including reviews and recommendations, made available on
the Website.
13. DISCLAIMERS OF WARRANTIES; LIMITATION OF LIABILITY
The Materials and Services (including the Gift Cards provided under the Service or purchased through the Website) are provided “as is”; except as expressly provided herein. GCO makes no
representations or warranties of any kind with respect to the Services, Gift Cards, the Website, or any contents therein. GCO assumes no liability or responsibility for any errors or omissions in providing,
or delivering, the Materials, Services and/or Gift Cards, and any failures, delays, or interruptions in the shipment of Gift Cards, delivery of any content contained on the Website, any losses or damages
arising from the use of the content provided on the Website, goods or services provided by us, or any conduct by users of the Website.
EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, WE DISCLAIM ALL REPRESENTATIONS AND WARRANTIES RELATING TO THE SERVICE, THE GIFT CARDS, AND THE WEBSITE, INCLUDING, BUT
NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, TITLE, AND NON‐INFRINGEMENT. IN ADDITION, WE DO NOT REPRESENT OR
WARRANT THAT THE INFORMATION ON OR ACCESSIBLE VIA THE WEBSITE OR THROUGH THE SERVICE IS COMPLETE OR CURRENT.
WE AND OUR AFFILIATES, SUPPLIERS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES AND AGENTS WILL NOT BE HELD LIABLE FOR ANY INDIRECT OR SPECULATIVE
DAMAGES (INCLUDING, WITHOUT LIMITING THE FOREGOING, CONSEQUENTIAL, INCIDENTAL, AND SPECIAL DAMAGES) INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, BUSINESS INTERRUPTIONS,
AND LOSS OF PROFITS, REGARDLESS OF WHETHER THESE PARTIES HAD ADVANCE NOTICE OF THE POSSIBILITY OF ANY SUCH DAMAGES. WE AND OUR AFFILIATES’, SUPPLIERS’, AND THEIR
RESPECTIVE OFFICERS’, DIRECTORS’, SHAREHOLDERS’, EMPLOYEES’ AND AGENTS’ TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE, THE GIFT CARD, THE
WEBSITE OR THESE TERMS OF USE, WHETHER IN CONTRACT OR IN TORT, SHALL NOT EXCEED THE AMOUNTS PAID TO US BY YOU FOR THE GIFT CARD UNDER THESE TERMS OF USE. EACH OF THESE
PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THIS AGREEMENT.
14. TERMINATION
You agree that GCO, in our sole discretion, may terminate, revoke or suspend your password, account, or use of the Services or the Website for any reason, including, without limitation, for lack of use, or
if we believe that you have violated, or acted inconsistently with, the letter or spirit of this Agreement or our policies. In addition, we reserve the right to block, prevent, or prohibit you from completing
transactions on or through the Website if we, in our sole discretion, determine that you pose a risk to GCO, or if you have defaulted or breached this Agreement anytime in the past. You agree that any
termination of your access to the Services or the Website may be effected without prior notice, and you acknowledge and agree that we may immediately suspend, deactivate or delete your account and
all related information.
15. TAXES
Under applicable law we may be required to collect sales tax in certain transactions. Any and all taxes of any kind are the exclusive responsibility of the purchaser.
16. INDEMNITY AND LIABILITY
You agree to indemnify and hold Gift Card Outlets, and its subsidiaries, affiliates, officers, directors, agents, partners and employees, harmless from any claim or demand, including reasonable attorneys’
fees, made by any third party due to or arising out of your use of the Website, your connection to the Website, your violation of these Terms of Use, or your violation of any rights of another person or
entity
17. PERSONAL INFORMATION AND PRIVACY
It is mutually agreed and understood that GCO may disclose information about you if we have a good faith belief that we are required to do so by law, or, to respond to claims, or to protect the rights,
property, or safety of Gift Card Outlets or others. Please refer to our Privacy Policy for more information about the manner in which we protect and use your information. By using this website and
accepting membership you do hereby agree and consent to GCO’s use of your names, and likeness in importing contacts, sending connection invites, as well as sending or delivering reminder emails.
Any refusal to participate in reminder emails or connection invites of any kind must be in writing and delivered to GCO, and may result in the termination of membership.
18. GOVERNING LAW, JURISDICTION, VENUE AND ARBITRATION
This Agreement is governed in all respects by the laws of the State of Illinois. BY ACCEPTING THIS AGREEMENT AND USING THE SERVICE, YOU ACCEPT AND CONSENT TO THE PERSONAL JURISDICTION
AND VENUE OF THE FEDERAL AND STATE COURTS IN COOK COUNTY, ILLINOIS, FOR ANY COURT ACTION OR PROCEEDING DEEMED NECESSARY BY GIFT CARD OUTLETS TO COLLECT AMOUNTS DUE
HEREUNDER, TO RECOVER ITS PROPERTY, AND/OR TO PROTECT US FROM THEFT OR FRAUD.
Any other controversy or claim arising out of or relating to this Agreement, the Services, the Gift Cards, or the Website shall be settled by binding arbitration in accordance with the commercial
arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or
controversy of any other party. The arbitration shall be conducted in Cook County, Illinois, and judgment on the arbitration award may be entered into any court having jurisdiction thereof. The award of
the arbitrator shall be final and binding upon the parties without appeal or review except as permitted by Illinois law. Notwithstanding the foregoing, either party may seek any interim or preliminary
injunctive relief from any court of competent jurisdiction, as necessary to protect the party’s rights or property pending the completion of arbitration.
19. GENERAL
The Terms of Use and the other agreements, rules, guidelines, licenses and disclaimers posted on the Website constitute the entire agreement between GCO and you with respect to your use of the
Website and any of the Services or Gift Cards sold or made available through the Website. If for any reason a court of competent jurisdiction finds any provision of this Agreement, or any portion
thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the parties as reflected by that provision, and the remainder of the
Agreement shall continue in full force and effect. Any failure by Gift Card Outlets to enforce or exercise any provision of this Agreement or related right shall not constitute a waiver of that right or
provision.