Welcome to www.julizar.com

PLEASE READ THIS TERMS OF USE BEFORE ACCESSING OR USING THE JULIZAR.COM SITE

These Terms of Use are an agreement between the user ("you") and PT. Investasi Bersama Bangsa Indonesia ("We"), a limited liability company established and operating legally under the laws of the Republic of Indonesia and domiciled in DKI Jakarta, Indonesia. These Terms of Use govern your access and use of the website (www.julizar.com.com, and other websites that we manage), the content and products provided by us, as well as ordering, payment or use of services available on the Julizar.com site ( "Service").

By agreeing to these Terms of Use, you also agree to additional Terms of Use, including Terms of Use for each Service, and their changes which form an inseparable part of these Terms of Use (hereinafter, the Terms of Use, additional Terms of Use, and their amendments together are referred to as "Terms of Use"). Although it is a single unit, additional Terms of Use will apply in the event that there are any disputes from the Terms of Use.

By registering and or using the www.julizar.com site, user is deemed to have read, understood and agreed to all contents in the Terms & Conditions. These Terms & Conditions are a form of agreement as outlined in a valid agreement between the User and PT. Investasi Bersama Bangsa Indonesia.

Our services, which include investments, content and or products provided through our Site (as defined below) (collectively, "Services") are managed by us. By accessing or using our crowdfunding technology platform at www.julizar.com, including our subdomain ("Site"), you ("User") indicate that you have read, understood and agreed to be bound by these Terms and Terms of service ("Terms and Conditions" or "Agreement"), regardless of whether you are registered or not on the Service or our Site.

We provide this Site to allow Investors to connect independently with investors related to real estate investments. These Terms and Conditions govern your access and use of the Site and Services. Please read these Terms and Conditions carefully before using our Services or Site. If you violate any of these Terms and Conditions (including the Company Privacy Policy), or violate the agreement between you and us, the Company may terminate your membership, delete your profile and any content or information that you have posted on the Site and or prohibit you from using or access the Service or Site, at any time in its sole discretion, with or without notice.

1. Registration:

You can view certain content on or through the Julizar Service without having to register, but as a condition of using certain aspects of the Julizar Service, you may be asked to register as a user / member of Julizar and fill in the requested data on the registration form, such as the email address, user name, password and other information requested related to the terms of being an Investor, Buyer, User or Donator.

You are fully responsible for updating any and all related registration information in your account. Non-compliance with these terms and conditions is a serious violation of these Terms and Conditions, which can result in the immediate termination of your registration. You may not use a user name, domain name, company name or company profile name or any terms that:

(i) is the name of another person, with the intent to impersonate that person;

(ii) use / exercise the rights of another person, without the written permission of the person concerned; or

(iii) offensive, vulgar or obscene.

Julizar has the right, in its sole discretion, to refuse registration or cancel user names, domain names, company names and company profile names. You are fully responsible for activities that occur through the use of your account and are responsible for maintaining the confidentiality of your password for use of the Julizar Service. You will immediately notify Julizar in writing of any unauthorized use of your account.

You will be responsible for any losses to Julizar and other users who intentionally or unintentionally use your account. You acknowledge and agree that to access certain content and services on the Julizar site, you will be asked to register on Julizar and you agree to maintain the confidentiality of that information. To the extent that you choose not to review confidential documents about the company, you acknowledge and agree that you bear the risk that additional information may be relevant to your decision to invest in a particular Company / Property and you knowingly accept the risk of not reviewing that information. We will not be liable for loss or damage (in any form and based on any legal theory) to you or any third party that arises because of your inability or failure for any reason to comply with the aforementioned registration obligations.

Whether you create a Registration Account or not, by using this Site, you agree to Julizar to contact you and offer you via email, text messages, and ad serving to you through third parties such as Facebook, Google and others. When you fill out, in whole or in part, any form or give Julizar your personal information on the Site by creating a registration account or vice versa, or through any third party services implemented on this Site, you agree that we send you marketing material about everything that is wants to be sent by Julizar to you regarding our services and the company or users who use Julizar services. You have the right to opt out of any marketing e-mails or text messages after you receive these marketing materials from us.

2. Julizar Service Summary:

Juilzar is a funding intermediary platform that brings together companies / individuals and potential investors. Users use Julizar Service to learn, help, make suggestions, create profiles for, search for, and / or fund Companies that have posted or advertised funds or capital searches. Julizar is a platform where Users can interact, learn and connect with other Users.

3. Cookies and technology

Julizar uses cookies and other similar technologies to enhance your browsing experience and the functionality of our Site. By clicking "Accept All Cookies" you agree to the storage on your device of all technologies described in our Cookie Policy. Your current cookie settings can be changed at any time by clicking "Cookie Preferences". We also urge you to read our Privacy Policy and all these Terms of Use to better understand how we maintain our site, and how we can collect and use data a visitor.

4. Investor Qualification

This site is only used for users who are eighteen (18) years of age or older, and any registration by or use of the Site by anyone under 18 years is invalid and violates these Terms and Conditions. By using the Service or the Site, you represent and guarantee that you are 18 years or older, of legal age to enter into a binding contract, that all registration information you submit is accurate, honest and that you agree and comply with all the terms of these Terms and Conditions . Julizar may, in its sole discretion, refuse to offer the Service to any person or entity and change its eligibility criteria at any time.

We must emphasize that if you violate these Terms and Conditions in any way, the Company may terminate your membership, delete your profile and any content or information that you have posted on the Site and or prohibit you from using services or the Site, at any time in its sole discretion, with or without notice, including without limitation if the Company has a reasonable suspicion that you are under 18 years of age. You agree that the Company will not be responsible to you or any third party for termination of your membership.

Services relating to viewing actual investment opportunities or investing in property offered therein are only available to registered and authorized users. Our Services and Sites may not be available in all jurisdictions or for all users.

Your failure to provide the information and documentation requested to confirm your status as a legitimate investor may cause us to immediately terminate your use of the Service by preventing your access to the Site.

5. Rules and Updates of Operations

You must comply to and accept the Terms and Conditions that go on this site including Privacy Policy and all other operating rules, policies and procedures that can be published on the Site by Julizar In addition, we may make additional provisions, use of Service must be subject to those additional provisions included in these Terms of Use with references included in them and are an inseparable part of the Terms and Conditions. This provision does not apply if it is prohibited by applicable law in the Unitary State of the Republic of Indonesia.

6. Professional Services and Advice

Crowdfunding investment opportunities properties offered on the Site are not publicly traded, and hence investments through crowdfunding offers are not liquid. There are no securities commissions or other regulatory authorities that approve, provide or support the benefits of every offer on this Site.

The investment overview on this site contains a summary of the objectives and key business requirements of investment opportunities. The summary is intended only for informational purposes and is not intended for complete information about investments. Each investment offered has gone through deepening and fulfilled the overall requirements by referring to the more detailed terms and conditions contained in the investor document package related to the investment opportunity. The information contained on the Site has been prepared by the Company without reference to certain User investment requirements or financial situations. Potential investors are encouraged to consult with tax, legal and financial professional advisers before making any investment.

The value of investment and income can go down and up. Past performance is not a guarantee of future performance. This Site Content does not constitute financial, legal or tax advice. Investors are fully responsible for conducting legal, accounting, tax or other due diligence reviews. We may not verify all information contained in the offer material on this Site. You should get investment and tax advice from your advisor before deciding to invest.

There is no information contained on the Site that is a recommendation, request or offer to buy or sell options or other financial instruments or other assets or provide investment advice or services of any kind. Not all Investors are given access to all parts of the Site. The information and services provided on this Site are not provided for, and may not be used by anyone or entities in any jurisdiction where the terms or use will conflict with the laws, rules or regulations that apply from any government authority or where the Company is not authorized to provide such information or services.

Investors who invest in Julizar must comply with the minimum capital rules or income requirements for Investors to be eligible to participate in any investment or service offered, for this reason:

(i). Investors are responsible for ensuring that investors are subject and obedient
     against the requirements mentioned above. ;

(ii). By carrying out these Terms and Conditions, the Investor declares to the Company
      that the Investor complies with these requirements; and,

(iii).The company can properly count on the representation of the Investor who states
      compliance to continue any investment transaction.

7. Investment

7.1 There are no limitations or restrictions on the number of Crowdfunding Companies that you can invest. But we have the minimum amount that can be invested in Crowdfunding Investments after deducting fees is One lot (One lot). If you have to pay for the services of another party whether it is an electronic money service provider or other types of payment, then the total investment balance that will go to your virtual account is the net amount that we receive in the virtual account. Every amount of money paid to Julizar will be held in your account in the name of Julizar until you are used to buy the investment that we offer. As long as the money is not used, no interest will be paid to you for the amount in your account.

7.2 You must comply with this Agreement and the Investment documents made now or in the future, we will use all rights relating to your Investment (including the implementation of the contract on your behalf). We will not, except as expressly provided in this Agreement or unless permitted, have the authority to act on your behalf or as your agent.

7.3 You accept that we have the discretion to invest your money in property instruments that we have examined and we believe in the best interests of all Investors registered with Julizar.

7.4 You will use your own judgment before making a decision to invest or receive an investment that involves an amount of your money.

7.5 You fully accept to comply with applicable laws regarding any transaction on the Julizar.com site

7.6 You will not get any professional advice for your interests, including law, tax, investment, accounting, and other suggestions.

7.7 You understand and acknowledge that Julizar does not provide investment advice.

7.8 Julizar has no obligations, nor should you expect Julizar to evaluate, confirm, support or stand behind any third party statement. Julizar is not required to verify the accuracy, or completeness of information posted on or through any of the Services by any third party. You acknowledge that you are fully responsible for conducting due diligence on your investment.

7.9 You do not have the right to claim any ownership rights in any material, software or other intellectual property displayed on, published by, or available on or through Julizar Services.

7.10 You acknowledge and accept that as part of a strong business community, Julizar ensures that it is the most appropriate solution for Users. For various reasons, there are certain business segments that are difficult to judge by Julizar.

7.11 Companies related to or offering weapons, firearms, tobacco, cigarettes, marketing, gambling, contests, sweepstakes or any illegal activities are not permitted on the Julizar Service. Julizar only supports profit and non-profit companies and fundraising for charity activities. Julizar cannot support companies or businesses that simultaneously run crowdfunding campaigns on other crowdfunding platforms.

7.12 Julizar has no obligation to engage in disputes between any User, or between the User and any third party.

7.13 Julizar Employees and Affiliates: You understand that Julizar employees and affiliates can participate in Julizar Services as Investors, and that Julizar is not responsible for their activities, including statements or other information in any context or other communication carried out by people in a capacity the.

7.14 Confidentiality: By becoming a member of Julizar, or using any Service or viewing Content provided on or through any Service on the julizar site, you may have the opportunity to view Personal Information. "Personal Information" means all information obtained through or in connection with your use of the Service provided by you or others and which you or others identify as "Personal" in any manner that is reasonably designed to identify the character of the service .

We will have commercially reasonable efforts to display information that you have designated as "Private" only to Investors who have explicitly given permission. We cannot, for example, require all Investors who view your Personal Information to agree and not to distribute that information. We also cannot guarantee that there will be no software bugs or hacker attacks that will allow the display of material without permission, or that Investors really fall into any category.

It is expected that you will be wise in determining what you do with the Personal Information. You agree that you will not republish any Information that you have obtained on or through any Service through julizar website with the aim of competing with Julizar.

8. Transaction

8.1 The amount of money that you can invest or allocate depends on what you want. There is no maximum limit that we set unless otherwise specified by law or government regulation. The amount of profit sharing that you get will be calculated by referring to the proportion of your investment.

8.2 Crowdfunding Investment Company Julizar is a private company not yet registered with the Financial Services Authority (OJK), not the sole owner of property purchased through a crowdfunding investment. Your investment in crowdfunding company Julizar is not liquid so it is not possible for you to withdraw cash immediately for the ownership of your investment until the property is sold.

9. Trust

9.1 Based on this Agreement and Julizar Business Terms, we will arrange the deposit of investment and cash in your virtual account from time to time, for settlement of transactions, revenue collection and other administrative actions related to your account. We will assign an Administrator to manage your account and we ensure that it is the right person and has gone through a rigorous selection to carry out its functions under this Agreement.

9.2 All investments in your account will be registered in the name of a Candidate or Nominee. Although on behalf of the Candidate or Nominee the investment remains yours at all times, the Candidate / Nominee will have legal rights to the investment and will hold documents that prove ownership of the investment.

9.3 You cannot lend the ownership of your investment to anyone or as a guarantee to any party. You need to know, proof of investment ownership that you have is not a legal document that is recognized by the state as collateral to third parties.

9.4 We or the Administrator can realize investments in your account to release any obligations that you may have under this Agreement, for example payment of fees and expenses.

9.5 You agree and authorize us to direct Administrators to convert, subscribe, vote, or any other rights relating to investments in your account (which we may do or avoid according to our policies). You acknowledge and agree that the Administrator is under no obligation to seek or receive instructions or direct direction from you to exercise any rights in connection with any investment in your Account.

9.6 Cash received from you or on your behalf will be deposited with an official financial institution in Indonesia on behalf of the Company together with a cash balance held by the Administrator on behalf of a third party. Cash in your account will be treated as client money (customer money), and will be deposited by the Administrator in a bank account in the name of the Company. No interest will be paid to you for the amount in your account.

10. Report and Information

10.1 You will receive periodic reports made by the Administrator in connection with your Account.

10.2 Your investment report is available in your personal dashboard on Julizar.com

10.3 Details of the dividends received in connection with the investment in your account will be given every transaction closing and other reports relating to your investment will be sent to you electronically. For this you should check your email or dashboard regularly.

11. Membership Fees

11.1 Registration Fees. We do not charge membership fees to investors. But we will ask for fees from partners, advertisers or anyone who wants to get funds for business purposes. The fees amount are between 5% of the sum to be accepted excluding transaction fees, taxes, notary fees, and other costs that may occur.

11.2 Crowdfunding company Julizar will use the Property Manager to manage the property. Property Manager Fees will be specified in the Investment Documentation, 1% of the gross proceeds and will be charged by the Property Manager to investors.

11.3 We charge administrative and compliance costs of 1% of the gross proceeds received which Julizar will charge to each investor in accordance with the amount invested.

11.4 The administrator can deduct from your account all costs that must be paid to Julizar or to other parties.

11.5 All fees and expenses that are subject to VAT or other taxes will be paid from your Account together with deductions for VAT or other taxes.

11.6 If at any time your Account does not have sufficient cash liquidity to pay any fees or expenses (either VAT or otherwise) when due, the full liability becomes your obligation. Please note that we will provide enough cash to be deposited in your account after the realization of your shares to cover the costs that we expect will occur, this means that not all money received from your account will be available for immediate distribution. We reserve the right to charge interest for unpaid costs and will reflect the actual interest charged in the periodic reports that you receive.

11.7 At the end of investment period, your obligations, including costs and expenses, will be allocated to your account and, if there is a shortage of cash, the investment can be withheld and / or realized to meet the outstanding obligations.

12. Your obligations

12.1 By confirming your agreement to the participation of this crowdfunding investment, we assume you have agreed to all terms and conditions on this site, both current and future changes. You must immediately notify us in writing of any material changes and any changes to information provided in your Account.

12.2 Additionally, you must provide us with any information that we or the Administrator can reasonably request for the administration of your account.

13. Delegation and Assignment

We or the Administrator may involve agents, including partners, to perform our functions under this Agreement. We or the Administrator (as applicable) will act in good faith and with due diligence in the selection, use and monitoring of these agents. Any involvement of these agents will not affect the acknowledgment of our or Administrator's responsibilities under this Agreement.

##14. Transaction and payment fees

We may charge fees for certain services. You have the opportunity to review, accept or reject fees that will be charged to you. You are responsible for paying all fees and taxes associated with using Julizar Services. For any service, you must be at least eighteen (18) years of age or the age of majority applicable in the jurisdiction of your residence.

Before joining and accepting our services, you are required to provide us or the company we work with about the data needed to process payment using a credit card including all of the following: (i) your name as printed on the card; (ii) your credit card number; (iii) type of credit card; (iv) expiration date; and (v) the number or activation code needed for your membership. By sending this information to us or directly to the party who processes the credit card, you hereby agree that you authorize us and / or our credit card processor (as applicable) to easily charge your card.

For any Service you use, you agree to pay the applicable price (including taxes and additional fees. We will automatically charge your credit card or other form of payment submitted as part of the order process for that price.

We recommend that all payments be made via bank transfer, Visa credit cards, MasterCard, or other forms of payment specifically accepted on the Julizar Site and also in the currencies that are permitted to be used on the Site. We currently do not accept cash, personal or business checks or other forms of payment for the Julizar Service, although in the future we may change this policy.

Your card issuer agreement governs the use of the card that you are using, and you must refer to that agreement and not these Terms to determine your rights and obligations as a card holder. You hereby declare and warrant that you will not use a credit card or any other form of payment unless you have all the legal authorization required to do so. You agree to pay all costs incurred in connection with your membership (including applicable taxes) at the rate that applies when those costs are incurred.

We have no obligation whatsoever to you or anyone else in connection with any money that you invest or deposit into our collateral account, there is no obligation to pay interest or any fees whether incurred now or in the future.

All use of the Service is subject to our Refund Policy that is in effect at the time of the transaction and changes in policy both now and in the future. At this time, we don't allow refunds except in certain cases.

15. Responsible

15.1 We and the Administrator will always act in good faith and with reasonable care.

15.2 We will not be responsible for losses arising from decisions you make to invest or not invest in one of the investment offers on our site Julizar.com or for other actions taken in accordance with this Agreement, except to the extent that such losses are directly caused by our negligence, or intentional or bankruptcy or fraud.

15.4 In the event of failure, interruption or delay in the performance of our obligations or the Administrator caused by actions, events or circumstances that do not make sense in the control of related parties, neither we nor the Administrator are responsible or have any responsibility in any form for any loss or damage suffered by you. Such actions include: war, riots, fire, civil commotion or acts of terrorism; adverse weather conditions, actions of government authorities or regulations and computer or communication system disruptions.

16. Termination and Exit

16.1 We reserve the right to offer you to terminate an investment in one of the investment offers you have chosen if we believe that this is the best and most favorable time to make a decision. However, the property market is cyclical in nature and there may not be an opportunity to exit at a reasonable price at that time. We will decide, after receiving advice from the Property Manager, when it is appropriate to offer Investors the opportunity to leave. At that time, you will be asked to indicate your preferences, whether the property that underlies the investment must be sold and if 50% or more shareholders vote that the property for which the property / investment must be sold / terminated, we will try to regulate the sale of the property .

16.2 You can withdraw the portion of your investment that is not invested and is not bound that is held as cash by the Administrator of your account prior to termination of your account by providing written notice to us. After receiving your withdrawal notification, we will immediately arrange a transfer to you for the amount of cash that you wish to withdraw. You should note that:

(a) notification of withdrawal, after being served, cannot be canceled;

(b) a notice to withdraw all cash values from your account at a time before making an investment is equivalent to a notice by you to terminate this investment agreement;

(c) if you withdraw money from your Account in an amount which, in our opinion, will make the rest of your Account uneconomical or impractical to manage according to the terms of this Agreement, we may at our discretion choose to terminate this Agreement (and we will notify you in full written);

(d) in addition to termination as referred to in (c), we reserve the right to store sufficient cash in your account to meet our costs.

16.3 You may terminate this Agreement with written notice not less than three months to us. Termination will not require us to buy Shares in your Account, or buy them for our own accounts, and therefore we do not give any commitment if you terminate this Agreement. We also cannot promise that we will be able to sell your shares or transfer them to others before the date on which your account ends.

17. Termination Consequences

17.1 Upon termination of this Agreement, we will make reasonable efforts to complete all transactions that are currently taking place at termination.

17.2 Termination will not affect accrued rights, existing commitments, or the terms of any contract intended in this Agreement.

17.3 At the time of termination, we may keep cash and / or realize Shares in your Account as required to complete the transaction that has begun and to pay your obligations, including fees and expenses to be paid to us and the Administrator.

18. Penalty

If you terminate / close your account before the end of the specified period, you are required to pay penalty of 10% of the amount of your investment. This penalty also applies including if you transfer your ownership rights to another party.

19. Secret information

Property Managers, Operators and Administrators will at all times maintain the confidentiality of all information obtained as a result of their respective roles and duties as property manager, operator of the julizar.com Website and investments contained in your account, except for information in the public domain; or by us, the Property Manager or Administrator is entitled or requested to be disclosed by law; or applicable laws and regulations, or other government institutions; or provided by us to professional advisors if needed for the performance of their professional services; or that you authorize us, the Property Manager or Administrator to disclose.

20. Complaint

We and the Administrator have established separate procedures for the consideration of complaints. If you have any complaints, please Contact us or the Administrator either in writing or you can Contact our contact services here.

21. Communication

21.1 Notices or complaints or instructions to us must be provided electronically via the service on the Contact Page on the Julizar.com Website.

22.2 All communications we make with you under this Agreement must be in Indonesian or English.

Julizar service does not allow you to link to websites or other resources on the Internet. When you access a third party website, you do so at your own risk. These other websites are not under our control, and you acknowledge that Julizar is not responsible for the content, functionality, accuracy, legality, appropriateness, or other aspects of the website or other resources.

24. User Behavior

As a condition of using Julizar Services, you promise not to use any of the Services for any purpose that is prohibited by the Terms or applicable law. You are responsible for all your activities in connection with your use of any Services. In addition, as a condition you use Julizar Services:

  1. You agree not to post any material that is obscene, lustful, pornographic, contains nudity or visual depictions of sexual acts, violence, excessive harassment, or unpleasant;

  2. You agree not to post content that violates copyrights, patents, trademarks, trade secrets, or other intellectual property or other rights of others;

  3. You agree not to send / distribute content that you know is false, deceptive, misleading, or inaccurate or that misrepresents your identity or affiliation with a person or company;

  4. You agree not to use any Service in a torture or unlawful manner, including posting information that is defamatory, embarrassing, threatening, personally harassing without permission from the person involved, or posting User Submissions that might cause emotional distress;

  5. You agree not to post investments or other material using any of the Services for which you have no intention to invest;

  6. You agree not to post unsolicited or unauthorized advertising or promotional material or junk mail, spam or chain letters;

  7. You agree not to introduce any services, malicious software, viruses, worms, Trojan horses or other malicious code designed or intended to disrupt, damage, limit or interfere with the functioning of software, hardware or telecommunications equipment or to damage or gain unauthorized access to the system, data, passwords, or other information from Julizar or any third party;

  8. We hope that you will use Julizar Service to exchange information and content about investments and fundraising and hold discussions that are relevant to other members. However, please remember that Julizar Service is public or semi-public and the registration account that you send through the Julizar Service can be accessed and seen by other Users. Do not post personally identifiable information (for example, first and last names, passwords, telephone numbers, addresses, credit card numbers, medical information, e-mail addresses, or other personally identifying information or contact information) in the public community space and be careful when disclosing other types of information to others;

  9. You agree not to impersonate any person or entity, including employees or representatives of Julizar; and

  10. You agree not to avoid security features of any Service, including those designed to limit copying or reproduction of Content.

25. Force majeure

Julizar.com site may be interrupted by events outside of our authority or control ("Force Majeure"), including but not limited to natural disasters, power disruptions, telecommunications disruptions, government policies, and others. You agree to release us from all demands and responsibilities, if we are unable to facilitate the service, including fulfilling the instructions you provide through our site, either in part or in full, due to a Force Majeure.

26. Others

You understand and agree that these Terms of Use constitute an electronic agreement and the action you press on the 'Register' button when opening an Account or the 'Sign in' button when accessing your Account is your active agreement to enter into an agreement with us so that these Terms of Use apply and the Privacy Policy is lawful and legally binding and continues to apply throughout your use of the Service.

You will not file any claims or objections to the validity of the Terms of Use or the Privacy Policy created in electronic form.You cannot transfer your rights under these Terms of Use without our prior written consent. However, we may transfer our rights based on these Terms of Use at any time to other parties without the need to obtain prior approval from or provide prior notice to you.

If you do not comply with or violate the provisions in these Terms of Use, and we do not take action directly, it does not mean that we waive our right to take necessary actions in the future.

These provisions still apply even after a temporary freeze, permanent freeze, deletion or after the termination of this agreement between you and us.

If one of the conditions in these Terms of Use cannot be enforced, it will not affect the other conditions.

We make these Terms of Use in Indonesian and English. Every difference will be interpreted in accordance with the Indonesian language.

These Terms of Use are governed by the laws of the Republic of Indonesia. Any and all disputes arising from the use of the Service are subject to the exclusive jurisdiction of the South Jakarta District Court.

27. How to contact us

You can contact us by e-mail to hallo@julizar.com or by telephone (021) 7662878. All your correspondence will be recorded and stored for our archives.

I have read and understood all of these Terms of Use and their consequences and hereby accept any rights, obligations and conditions set forth therein.