TERMS OF SALE

BACKGROUND:
These Terms of Sale, together with any and all other documents referred to herein, set out the terms under which Services are sold and provided by Us through this website, www.sofiakralow.com/quantum (“Our Site”). Please read these Terms of Sale carefully and ensure that you understand them before ordering any Services from Our Site. You will be required to read and accept these Terms of Sale when ordering Services. If you do not agree to comply with and be bound by these Terms of Sale, you will not be able to order Services through Our Site. These Terms of Sale, as well as any and all Contracts are in the English language only.
1. Definitions and Interpretation
1.1 In these Terms of Sale, unless the context otherwise requires, the following expressions have the following meanings:
“Contract”
means a contract for the purchase of Services and/or Subscription to access Paid Content, as explained in Clause 5;
“Data Protection Legislation”
means 1) unless and until EU Regulation 2016/679 General Data Protection Regulation (“GDPR”) is no longer directly applicable in the UK, the GDPR and any national implementing laws, regulations, and secondary legislation (as amended from time to time), in the UK and subsequently 2) any legislation which succeeds the GDPR;
“Services”
means the consulting, legal or accounting services which are to be provided by Us to you as specified in your Order (and confirmed in Our Order Confirmation); and
“Paid Content”
means any digital content (including text, graphics, images, audio, and video) comprising any session of consulting, tuition, instruction, teaching, coaching, training, or mentoring, or any materials or other information related thereto, which We offer, where those sessions or materials are sold by Us through Our Site and made available by Us on or via Our Site by any of the following means:

1. (a) two-way synchronous live stream audio and/or video technology, e.g. Zoom, WhatsApp, Skype, GoToMeeting, WebEx;
2. (b) asynchronous live stream video and/or audio or recorded non downloadable video and/or audio of one or more items either provided on Our video/audio streaming platform accessed from or on Our Site or hosted on another’s website, e.g. Youtube via a link that We provide to you;

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(c) text, graphics, images, audio, and video items or information either provided to you either on Our Site or via monthly email newsletter or hosted on the social networking services, e.g. Facebook chat rooms, Telegram channels etc. via a link that We provide to you.
Paid Content will be more fully described in other information that We give or make available to You before You order a Subscription.
“Subscription”
“Order”
“Order ID”
“Order Confirmation”
2. Information About Us
means a subscription to Our Site providing access to Paid Content;
means your order for the Services and/or Subscription; means the reference number for your Order;
means our acceptance and confirmation of your Order;




“We/Us/Our”
means MILLIONLADY LTD, a company registered in England under No. 13307060, whose registered address is Suite 126 Solar House 915 High Road, London, N12 8QJ.
2.1 Our Site, sofiakralow.com/quantum, is owned and operated by MILLIONLADY LTD, a limited company registered in England under No. 13307060, whose registered address is Suite 126 Solar House 915 High Road, London, N12 8QJ.

1. Access to Our Site
2. 3.1 Access to Our Site is free of charge.

1. 3.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site.
3. 3.3 Access to Our Site is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.
4. Services, Subscriptions, Paid Content, Pricing and Availability
5. 4.1 We make all reasonable efforts to ensure that all general descriptions of the Services, Subscriptions and Paid Content available from Us correspond to the actual Services that will be provided to you and Subscription and Paid Content that you will receive. Please note, however, that the exact nature of the Services may vary depending upon your individual requirements and circumstances.
6. 4.2 Where appropriate, you may be required to select the required package of Services.

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1. 4.3 We neither represent nor warrant that all Services will be available at all times and cannot necessarily confirm availability until confirming your Order. Availability indications are not provided on Our Site.
2. 4.4 We make all reasonable efforts to ensure that all prices shown on Our Site are correct at the time of going online. We reserve the right to change prices and to add, alter, or remove special offers from time to time and as necessary. Changes in price will not affect any Order that you have already placed (please note sub-Clause 4.7 regarding VAT, however).
3. 4.5 In the event that the price of Services, Subscriptions or Paid Content you have ordered changes between your Order being placed and Us processing that Order and taking payment, you will be charged the price shown on Our Site at the time of placing your Order.
4. 4.6 If We discover an error in the price or description of your Services or Subscription after your Order is processed, We will inform you immediately and make all reasonable efforts to correct the error. You may, however, have the right to cancel the Contract if this happens. If We inform you of such an error and you do wish to cancel the Contract, please refer to sub-Clause 8.11.
5. 4.7 All prices on Our Site include VAT if applicable. If the VAT rate changes between your order being placed and Us taking payment, the amount of VAT payable will be automatically adjusted when taking payment.

5. Orders – How Contracts Are Formed
5.1
5.2
5.3
5.4 5.4.1
5.4.2
Our Site will guide you through the ordering process. Before submitting your Order to Us you will be given the opportunity to review your Order and amend any errors. Please ensure that you have checked your Order carefully before submitting it.
If, during the order process, you provide Us with incorrect or incomplete information, please contact Us as soon as possible. If We are unable to process your Order due to incorrect or incomplete information, We will contact you to ask to correct it. If you do not give Us the accurate or complete information within a reasonable time of Our request, We will cancel your Order and treat the Contract as being at an end. We will not be responsible for any delay in the availability of Paid Content that results from you providing incorrect or incomplete information.
No part of Our Site constitutes a contractual offer capable of acceptance. Your Order constitutes a contractual offer that We may, at Our sole discretion, accept. Our acknowledgement of receipt of your Order does not mean that We have accepted it. Our acceptance is indicated by Us sending you an Order Confirmation by email. Only once We have sent you an Order Confirmation will there be a legally binding contract between Us and you (“the Contract”).
Order Confirmations shall contain the following information:
Your Order ID;
Confirmation of the Services and/or Subscription ordered including full details of the main characteristics of those Services and/or Subscription and Paid Content available as part of it;
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1. 5.4.3 Fully itemised pricing for the Services ordered including, where appropriate, taxes and other additional charges.
2. 5.4.4 The duration of your Subscription including the start date, and the expiry date (if applicable);
3. 5.4.5 Confirmation of your acknowledgement that the Paid Content will be made available to you immediately and that you will lose your legal right to change your mind and cancel upon accessing the Paid Content.
4. 5.4.6 In relation to any video (live or recorded) event, item, series, collection or type/s of events or items constituting the Paid Content, the period during which it can be accessed which will be either (a) the whole period of the Subscription; (b) or a specific period commencing on a stated date that is shorter than that whole period.
5. Payment
6. 6.1 Payment for the Services and/or Subscription will be due in the form of an advance payment of 100% of the total price for the Services and/or Subscription. Price and payment details will be confirmed in the Order Confirmation. Your chosen payment method will be charged as indicated.
7. 6.2 All sums due must be paid in full without any set-off, counterclaim, deduction, or withholding (except where any deduction or withholding of tax is required by law).
8. 6.3 We accept the following methods of payment on Our Site:
9. 6.3.1 bank transfer;
10. 6.3.2 PayPal.
11. 6.4 All bank charges are to be borne by You when making payment.
12. 6.5 If you do not make any payment due to Us on time, We will suspend your access to the Paid Content. For more information, please refer to sub-Clause 8.5. If you do not make payment within the period indicated in Our reminder, We may cancel the Contract. Any outstanding sums due to Us will remain due and payable.
13. Provision of the Services
14. 7.1 We will provide the Services with reasonable skill and care, consistent with best practices and standards in the consulting industry.
15. 7.2 We will make every reasonable effort to provide the Services in a timely manner. We cannot, however, be held responsible for any delays if an event outside of Our control occurs. Please refer to Clause 12 for events outside of Our control.
16. 7.3 In certain circumstances, for example where We encounter a technical problem, We may need to suspend or otherwise interrupt the Services to resolve the issue.
17. 7.4 In order to enable Us to effectively render the Services contemplated, you agree to disclose fully and accurately all facts and to keep Us apprised of all developments relating to the matter. You agree to

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cooperate fully with Us and to make yourself available when necessary. We expect that you will provide Us with the factual information you have which relates to the subject matter of Our engagement, and that you will make any appropriate business or technical decisions. In addition, we encourage you to share with Us at all times your expectations and any concerns regarding Our Services at any time during the course of Our representation. We believe that you should be actively involved in the strategy and management of your affairs and Our goal is to encourage candid and frequent communication between Us. We will keep you informed of developments regarding your matters and will consult with you as necessary to ensure the timely, effective and efficient completion of Our work.

1. 7.5 We will maintain any documents you furnish Us in Our electronic client file (or files) for this matter. We strive to be a “paperless” office, and so, Our records for your file may be mostly or entirely in electronic form. At the conclusion of the matter (or earlier, if appropriate), it is your obligation to advise Us as to which, if any, of the documents in Our files you wish Us to turn over to you. We will retain any remaining documents in Our files for a reasonable period of time and ultimately destroy them in accordance with Our record retention program schedule then in effect.
2. 7.6 Because Our Services involve Us providing Our time, once you have received an Order Confirmation you may not change or cancel your Order.
3. 7.7 You may request further services from Us. Our involvement in these issues will be subject to a separate fee arrangement. We can discuss this further if you have any specific concerns or questions in this area. Our representation relates only to the Services described in the Order Confirmation. You can limit or expand the scope of Our representation from time to time, but there should be a clear mutual understanding as to any substantial expansion. Unless otherwise agreed in writing, these terms of Sale will also apply to any additional matters We agree to handle on your behalf.
4. 7.8 Our acceptance of your Order does not involve an undertaking to represent you or your interests on any matter other than that described in the Order Confirmation. Furthermore, you acknowledge that Our representation does not entail a continuing obligation to advise you concerning subsequent developments that might have a bearing on your affairs generally or, after the completion of the matter as to which We are representing you, subsequent developments related to or that might have a bearing on that matter.
5. 7.9 We will provide strictly Services to you in connection with the Order Confirmation. You are not relying on Us for, and We are not providing, any business, investment, insurance, tax or accounting decisions or any investigation of the character or credit of persons with whom you may be dealing.
6. 7.10 You may terminate Our Services at any time by written notice and upon payment of all fees and expenses then due us. We will not refund you any amount already paid to Us. We also reserve the right to terminate Services, for any reason. In the event We terminate, We agree to refund any monies paid by you to Us in excess of any professional fees charged for Services rendered and/or disbursements incurred by Us, up to the date of such termination. In the event We are not able to deliver

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the required Service, We agree to refund any monies paid by you to Us in excess of any professional fees charged for Services rendered and/or disbursements incurred by Us, up to the date of such termination. Since Our Services are based primarily on a “project” rather than a “per hour” charge, We cannot provide such a breakdown, even if requested. However, We reserve the right to provide whatever supporting documentation We maintain in the normal course of Our business, if necessary.
8. Provision of Paid Content

1. 8.1 We undertake to make available to you on these Terms of Sale the Paid Content for which you subscribe but if you choose not to access or make any permitted use of some or all of that Paid Content or, for any reason not attributable to Us, you are unable to do so, you will not be entitled to any refund.
2. 8.2 Paid Content appropriate to your Subscription will be available to you immediately when We send you a Subscription Confirmation and will continue to be available for the duration of your Subscription (including any renewals), or until you end the Contract, and subject to the following:
3. 8.2.1 An item of Paid Content requested will be available when stated in the information that We provide about it before you place your Order, either
4. a) if it is a livestream item, the time and date when it is scheduled to be available and to start; or
5. b) if it is a pre-recorded or other non-streamed item, the period within which it is or will be available for access.
6. 8.2.2 If an item of Paid Content is a livestream item, We will use all reasonable endeavours to make it available and start it at the time it Is scheduled to start, but the start may be delayed due to circumstances beyond Our control. In this case the Paid Content will be provided to you as soon as possible after such circumstances are no longer existent.
7. 8.3 When you place an Order for a Subscription, you will be required to expressly acknowledge that you wish the Paid Content to be made available to you immediately. You will also be required to expressly acknowledge that by accessing (e.g. downloading or streaming) the Paid Content, you will lose your legal right to cancel if you change your mind (the “cooling-off period”).
8. 8.4 In some limited circumstances, We may need to suspend the provision of Paid Content (in full or in part) for one or more of the following reasons:
9. 8.4.1 To fix technical problems or to make necessary minor technical changes;
10. 8.4.2 To update the Paid Content to comply with relevant changes in the law or other regulatory requirements;
11. 8.4.3 To make more significant changes to the Paid Content, as described in sub-Clause 8.8.

8.5 We may suspend provision of the Paid Content if We do not receive 6
payment on time from you. We will inform you of the non-payment on the due date, however if you do not make payment within the period indicated in Our notice, We may suspend provision of the Paid Content until We have received all outstanding sums due from you. If We do suspend provision of the Paid Content, We will inform you of the suspension.

1. 8.6 We may from time to time change Our prices. Changes in price will not affect any Subscription that you have already purchased but will apply to any subsequent renewal or new Subscription. We will inform you of any change in price before the change is due to take effect. If you do not agree to such a change, you may cancel the Contract as described in sub-Clause 8.10.
2. 8.7 Minor changes may, from time to time, be made to certain Paid Content, for example, to reflect changes in relevant laws and regulatory requirements, or to address technical or security issues. These changes will not alter the main characteristics of the Paid Content and should not normally affect your use of that Paid Content. However, if any change is made that would affect your use of the Paid Content, suitable information will be provided to you.
3. 8.8 In some cases, as described in the relevant content descriptions, We may also make more significant changes to the Paid Content. If We do so, We will inform you before the changes are due to take effect. If you do not agree to the changes, you may cancel the Contract as described in sub-Clause 8.10.
4. 8.9 Where any updates are made to Paid Content, that Paid Content will continue to match Our description of it as provided to you before you purchased your Subscription to access the Paid Content. Please note that this does not prevent Us from enhancing the Paid Content, thereby going beyond the original description.
5. 8.10 You may end the Contract at any time if We have informed you of a forthcoming change to your Subscription or the Paid Content (as described in sub-Clauses 8.6 or 8.8), or to these Terms of Sale that you do not agree to. If the change is set to take effect or apply to you before the end of your current Subscription, We will issue you with a pro-rated refund equal to the remaining time left in that Subscription. If the change will not take effect or apply to you until the expiry of your current Subscription, the Contract will end at the end of that Subscription period and you will continue to have access to the Paid Content until that date.
6. 8.11 If We inform you of an error in the price or description of your Subscription or the Paid Content and you wish to end the Contract as a result, you may end it immediately. If you end the Contract for this reason, We will issue you with a full refund.
7. 8.12 If you wish to exercise your right to cancel under this Clause 8, you may do so by contacting Us by email at info@sofiakralow.com, providing Us with your name, address, email address, telephone number, and Order ID. We may ask you why you have chosen to cancel and may use any answers you provide to improve Our content and services, however please note that you are under no obligation to provide any details if you do not wish to.
8. 8.13 Refunds under this Clause 8 will be made using the same payment method that you used when purchasing your Subscription.

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9. Licence

1. 9.1 When you purchase a Subscription to access Paid Content, We will grant you a limited, non-exclusive, non-transferable, non-sublicensable licence to access, participate in and use the relevant Paid Content for personal, non-commercial purposes. The licence granted to you does not give you any rights in Our Paid Content (including any material that We may licence from third parties).
2. 9.2 The licence granted to you under sub-Clause 9.1 is subject to the following usage restrictions and/or permissions:

9.2.1
9.2.2
10. Our Liability
You may not copy, rent, sell, publish, republish, share, broadcast or otherwise transmit the Paid Content (or any part of it) or make it available to the public except as permitted under the Copyright Designs and Patents Act 1988 (Chapter 3 ‘Acts Permitted in relation to Copyright Works’); [and]
You may not use any two-way livestream facility which is or is part of a Paid Content item or event to communicate or make accessible to any other person accessing or participating in that item or event anything (by voice, text, image or otherwise) except for a query about or contribution to that item or event which is proper having regard to the content of that item or event.

1. 10.1 We will not be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, for any loss of profit, loss of business, interruption to business, for any loss of business opportunity, or for any indirect or consequential loss arising out of or in connection with any Contract between you and Us.
2. 10.2 Our Paid Content is intended for non-commercial use only. We make no warranty or representation that the Paid Content is fit for commercial, business or industrial use of any kind. We will not be liable to you for any loss of profit, loss of business, interruption to business, or for any loss of business opportunity.
3. 10.3 We will not be responsible or liable if you are unable to access any Paid Content due to any failure or delay in performing Our obligations under the Contract resulting from any cause beyond Our reasonable.
4. 10.4 We accept no liability if any digital content (including but not limited to Paid Content) from Our Site damages your device or other digital content belonging to you.
5. 10.5 Our fee arrangement is based on the understanding that you will be responsive to Our requests for data so that We can complete the project as quickly as possible. It is also based on the understanding that the structure, and the terms of the offer, will not be substantially altered from the initial plan and background information you provided. In the event any of the above conditions cannot be met for any reason, We reserve the right to adjust Our fee structure accordingly. In the event you fail to provide Us the factual information and/or the documents needed for the project for more than 6 months since date of this engagement, We reserve the right to terminate the Services without any further obligations on Our part. We will not refund you any amount already paid to Us in this case. We pride ourselves on being available to Our clients. If you are

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having problems and need help, contact Us. We want you to succeed.

1. 10.6 When providing the Services, We rely upon the accuracy and completeness of the information provided by you, or by others on your behalf. Because We are not required to check or otherwise verify information received from you or someone on your behalf, you acknowledge that We are entitled to rely on such information when carrying out your instructions. If general advice is provided, the applicability of such advice necessarily depends on the particular circumstances, including circumstances that We may not be aware of and, thus, must be viewed in the context of the information provided to us, which may be different from the information known or available to you. We will provide the Services to you with reasonable skill and care, and acknowledge that We may be liable to you for losses, damages, costs or expenses (“losses”) which are determined to have been caused by Our gross negligence, breach of contract, or willful default, subject to the following: We will not be liable if such losses were due to any false, misleading or incomplete information or documentation provided to us, or due to the acts or omissions of any person other than Us. In the event you suffer losses for which We may be jointly and severally liable with any third party (ies), the extent to which such losses shall be recoverable by you from Us, as opposed to a third party, shall be limited so as to be in proportion to Our contribution to the overall fault for such losses as agreed between all of the parties, or in the absence of such an agreement, as determined by binding arbitration. The services provided by Us are intended to be used for the purposes for which We were engaged, thus, you hereby acknowledge that We are not responsible for any use of Our services for a different purpose or in a different context. Anyway Our liability arising out of or related to under these Terms of Sale (and therefore the Contract), including without limitation liability for negligence, will not exceed £100.
2. 10.7 It is your responsibility in relation to Our engagement, to promptly provide Us with complete and accurate instructions, including all necessary information, and to carry out any other reasonable requests made to you or others acting on your behalf. We will not be responsible for any direct or indirect consequences which may arise from any delay or failure by you, and such delays or failures may result in additional fees payable to Us. You remain responsible for any commercial and/or business decisions that you make, and due regard must be given to the restrictions on the scope of Our work and other factors, commercial and otherwise, of which you and your other advisers are, or should be, aware by means other than Our work.
3. 10.8 In the event that your business does not launch because you have changed your mind, you remain responsible and liable for any unpaid balances relating to Services rendered. If We decide to terminate Our Services, whether or not such termination of Services is mutually agreed to, you remain liable for payment of Our professional fees for Services rendered and/or disbursements incurred by Us up to the date of termination. If, at your request, We provide advice or other consulting Services in an abbreviated format or timescale, you acknowledge that you may not receive all of the information you would have obtained if We had been given the opportunity to provide a full and complete written report with sufficient time to fully research and prepare the report.

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1. Law and Jurisdiction
2. 11.1 These Terms of Sale, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance laws of the England and Wales.
3. 11.2 We appreciate the opportunity to serve as your services provider and look forward to a harmonious relationship between us. In the event you become dissatisfied for any reason with any aspect of Our relationship, We would sincerely appreciate your bringing this to Our attention immediately; We will do the same if We perceive a problem with the representation. It is Our belief that such problems can usually be resolved by good faith discussions between Us. In the unlikely event that We cannot resolve such problems ourselves, We believe that such disputes can be resolved more expeditiously and with less expense to all concerned by binding arbitration than by court action. By accepting these Terms of Sale, you agree that, to the extent permitted by law and the rules of professional conduct, any dispute arising out of or relating to the Contract, our relationship, any billing statements forwarded to you for Our services, including but not limited to any alleged claims for malpractice, breach of fiduciary duty, fraud, breach of contract or other claim against Us for any alleged inadequacy of such services, shall be resolved by submission to confidential, binding arbitration in London, United Kingdom in accordance with the commercial arbitration rules then in effect of the London Arbitration Court, and judgment on the award rendered may be entered in any court having jurisdiction thereof. By accepting these Terms of Sale, you agree that any party to any dispute, regardless of outcome, remains fully liable for their own arbitration expense and will not seek reimbursement from the other party. By agreeing to arbitration, you are also agreeing to waive any right to a jury or court trial.
4. Events Outside of Our Control (Force Majeure)
5. 12.1 We will not be liable for any failure or delay in performing Our obligations where that failure or delay results from any cause, that is beyond Our reasonable control. Such causes include, but are not limited to: power failure, internet service provider failure, industrial action by third parties, civil unrest, fire, explosion, flood, storms, earthquakes, subsidence, acts of terrorism, acts of war, governmental action, epidemic or other natural disaster, or any other event that is beyond Our reasonable control, including impact of the COVID-19 pandemic.
6. 12.2 If any event described under this Clause 12 occurs that is likely to adversely affect Our performance of any of Our obligations under these Terms of Sale:
7. 12.2.1 We will inform you as soon as is reasonably possible;
8. 12.2.2 Our obligations under these Terms of Sale (and therefore the Contract) will be suspended and any time limits that We are bound by will be extended accordingly;
9. 12.2.3 We will inform you when the event outside of Our control is over and provide details of any new dates, times or availability of Services as necessary;

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12.2.4 If the event outside of Our control continues for more than 3 months, We may cancel the Contract and inform you of the cancellation.

1. Contacting Us
2. If you wish to contact Us with any matters relating to Our Services, the Paid Content or your Order, you may contact Us by email at info@sofiakralow.com, or using any of the methods provided on Our contact page at <<insert link to contact page>>.
3. How We Use Your Personal Information (Data Protection)
4. 14.1 All personal information of yours that We may use will be collected, processed, and held in accordance with the provisions of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”) and your rights under the GDPR.
5. 14.2 For complete details of Our collection, processing, storage, and retention of personal data including, but not limited to, the purpose(s) for which personal data is used, the legal basis or bases for using it, details of your rights and how to exercise them, and personal data sharing (where applicable), please refer to Our Privacy Policy <<insert link to Privacy Policy>>.
6. Other Important Terms
7. 15.1 Unless you inform Us to the contrary in writing, We may correspond by means of the internet or other electronic media. Although We will take reasonable steps to safeguard the security and confidentiality of the information transmitted, you acknowledge that We cannot guarantee its security and confidentiality. It is Our policy to check all correspondence with anti-virus software; however, We cannot guarantee that email transmissions will be free from viruses. Email, Skype, WhatsApp and Telegram may not be secure and will be treated as written correspondence. Any information which We obtain as a result of acting for you will be treated in an entirely confidential manner, subject to applicable law, and will not be made available to any other customer.
8. 15.2 We may transfer (assign) Our obligations and rights under these Terms of Sale (and under the Contract, as applicable) to a third party (this may happen, for example, if We sell Our business). If this occurs, you will be informed by Us in writing. Your rights under these Terms of Sale will not be affected and Our obligations under these Terms of Sale will be transferred to the third party who will remain bound by them.
9. 15.3 You may not transfer (assign) your obligations and rights under these Terms of Sale (and under the Contract, as applicable) without Our express written permission.
10. 15.4 The Contract is between you and Us. It is not intended to benefit any other person or third party in any way and no such person or party will be entitled to enforce any provision of these Terms of Sale.
11. 15.5 If any of the provisions of these Terms of Sale are found to be unlawful, invalid or otherwise unenforceable by any court or other authority, that / those provision(s) shall be deemed severed from the remainder of these

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Terms of Sale. The remainder of these Terms of Sale shall be valid and enforceable.

1. 15.6 No failure or delay by Us in exercising any of Our rights under these Terms of Sale means that We have waived that right, and no waiver by Us of a breach of any provision of these Terms of Sale means that We will waive any subsequent breach of the same or any other provision.
2. 15.7 We may revise these Terms of Sale from time to time in response to changes in relevant laws and other regulatory requirements.