These Terms of Service (the “Terms”) govern your use of the website and application locatedat https://www.0xequity.com/ and other sites and subdomains (collectively, the “Website”) owned and operated by 0XEquity US, Inc., a Delaware corporation, and its affiliates (collectively,“0XEquity,” “Company,” “we,” “us,” or “our”).

By signing up to, accessing, or using the Website, you agree to abide by these Terms and to comply with all applicable laws and regulations. We reserve the right to review and amend any of these Terms at our sole discretion and update this page from time to time. Any change to these Terms will take effect immediately from the date of publication. If you do not agree with these Terms, you are prohibited from using or accessing our Website or using any other services provided by us.

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE WEBSITE. THESE TERMS GOVERN YOUR USE OF THE WEBSITE UNLESS WE HAVE EXECUTED A SEPARATE WRITTEN AGREEMENT WITH YOU FOR THAT PURPOSE. WE ARE ONLY WILLING TO MAKE THE WEBSITE AVAILABLE TO YOU IF YOU ACCEPT ALL OF THESE TERMS. BY USING THE WEBSITE, YOU ARE CONFIRMING YOU UNDERSTAND AND AGREE TO BE BOUND BY ALL OF THESE TERMS. IF YOU ARE ACCEPTING THESE TERMS ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO ACCEPT THESE TERMS ON THAT ENTITY’S BEHALF, IN WHICH CASE “YOU” WILL MEAN THAT ENTITY. IF YOU DO NOT HAVE SUCH AUTHORITY, OR IF YOU DO NOT ACCEPT ALL OF THESE TERMS, THEN WE ARE UNWILLING TO MAKE THE WEBSITE AVAILABLE TO YOU. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE WEBSITE.

To use the Website, you will need to register for an account. During the registration process, we will ask you for information, including your name and other personal information, to verify your identity. We may, at our sole discretion, refuse to open an account for you.

If you use this Website, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that we are not responsible for third-party access to your account that results from theft or misappropriation of your account. We reserve the right to refuse or cancel service, terminate accounts, or remove or edit content at our sole discretion.

As part of the account registration process, you will be required to either link to an external electronic wallet or create one on our Website. You must familiarize yourself with the terms of use, technology, and security protocols of your electronic wallet (e.g., saving your backup phrase in a safe place). It’s important to keep in mind that when you use your electronic wallet on the Website, you represent to us that the wallet is owned or controlled exclusively and directly by you and no other person. We reserve the right, at any time, in our sole discretion, to block access to the Website from certain IP addresses and unique device identifiers.

We do not allow children under the age of 18 to create an account on the Website.

The Website provides a platform for eligible investors to review offering materials of its affiliates and invest indirectly in real estate (the “Services”). The Website will permit investors to view private placement memoranda and other investment documents describing offerings of investment opportunities considered “Securities” under federal law. The Securities will be offered and sold pursuant to an exemption from registration provided under the Securities Act of 1933 by issuers which may be affiliated with 0XEquity, Inc. The Securities may be represented by digital tokens.

The securities offered on the Website may be purchased by non-U.S. Persons in offshore transactions pursuant to Regulation S.

0XEquity may collect certain information about you that helps us comply with various securities regulations and rules and the USA PATRIOT Act, a federal law that requires all securities firms to obtain, verify, and record information that identifies each applicant. When you open an account with us, you will be required to provide information such as your name, date of birth, address, and identification number, which could be taxpayer identification number or Social Security Number for U.S. citizens and passport number or other government-issued identification for non-U.S. citizens. If you open an account on behalf of a legal entity, you will be asked for the names, addresses, dates of birth, and other identification information of the beneficial owners of the legal entity.

You represent to us that you and your financial institutions, or any party that owns or controls you or your financial institutions, are (1) not subject to sanctions or otherwise designated on any list of prohibited or restricted parties, including but not limited to the lists maintained by the United Nations Security Council, the U.S. Government (e.g., the Specially Designated Nationals List and Foreign Sanctions Evaders List of the U.S. Department of Treasury and the Entity List of the U.S. Department of Commerce), the European Union or its Member States, or other applicable government authority and (2) not located in any country to which the United States has embargoed goods or has otherwise applied any sanctions.

We may engage a third party to conduct an anti-money laundering (AML) check on you. If we cannot verify the information you provide, we may restrict or deny your account

We may provide private placement memoranda and other investment documents, including, but not limited to, business plans, investment terms, financial statements, and other information related to the Securities and the underlying investments of each issuer (“Offering Materials”) on the Website. By accessing the Offering Materials, you acknowledge and agree that

Such information is not personalized or in any way tailored to reflect your personal financial circumstances or investment objectives, and does not constitute a recommendation to purchase, sell or hold any security or an endorsement of such security;

You will not consider the availability of such information as a recommendation to you of any particular security or investment strategy;

Under no circumstances should such information be construed as an offer to sell or the solicitation of an offer to purchase any security;

Such information should only be considered current as of its publication date;

Such information is not intended for tax, legal, or investment advice;

You will not hold 0XEquity or any of its affiliates liable in any way for (1) any inaccuracies, errors, or omissions in such information, or (2) any loss or damage arising from or occasioned by (a) any error or delay in the posting of any such information, or (b) any other cause beyond the reasonable control of 0XEquity or its affiliates;

0XEquity and its affiliates shall further not be liable for any consequential, incidental, special, or indirect damage (including but not limited to lost profits, trading losses, and damages) that may result from the use of such information or for omissions or inaccuracies of the information contained in such information.

We use third-party service providers to assist in providing the services (each a “Third-Party Service Provider”). You hereby consent and authorize us to delegate the authorizations you provide to us to our Third-Party Service Provider(s) as we deem necessary or desirable to provide services to you. You agree that these Terms, including any of the other terms, conditions, warranty disclaimers, and liability disclaimers incorporated into these Terms, inure to the benefit of such Third-Party Service Provider, and such Third-Party Service Providers are deemed to be third-party beneficiaries of these Terms. You also agree that all references to us within this Agreement and any incorporated terms are also deemed to include, where applicable, our agents, such as the Third-Party Service Providers. Your use of certain services provided by Third-Party Service Providers may require your agreement to additional terms and conditions provided by them, which will be made available to you when, and if, you access the third-party services.

Neither 0XEquity, nor any of its affiliates provide any investment advice or make any investment recommendations to any persons, ever, and no communication through herein or in any other medium should be construed as such. Offers to sell, or solicitations of offers to buy any security can only be made through official offering documents that contain important information about risks, fees, and expenses associated with the applicable securities available for trading on the 0XEquity platform. No reference to any specific security constitutes a recommendation to buy, sell or hold that security or any other security. No reference to a security constitutes investment advice or offers any opinion with respect to the suitability of any security, and approval of your account should not be taken as advice to buy, sell or hold any security. These are sophisticated investments with inherent risks. You should not use this platform as the primary basis for any investment or financial decision.

0XEquity and its affiliates do not give any financial, legal, tax, investment, or other advice. Investors should conduct their own due diligence, not rely on the financial assumptions or estimates displayed herein, and are encouraged to consult with a financial advisor, attorney, accountant, tax advisor, and any other professional that can help you to understand and assess the risks associated with any investment opportunity.

We grant you a non-exclusive, non-transferable, non-sublicensable, revocable license to use the Website in accordance with these Terms. The Website and its entire contents, features, and functionality, including but not limited to, all information, software, products, materials, APIs, text, displays, images, video, and audio, and the design, selection, and arrangement thereof, are owned by the Company, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:

If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

If we provide social media features with certain content, you may take such actions as are enabled by such features.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms, your right to use the Website will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws.

The Company name, the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the Company's prior written permission. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

By using the Website, you warrant on behalf of yourself, your users, and other parties you represent that you will not

modify, copy, prepare derivative works of, decompile, or reverse engineer any materials and software contained on the Website;
remove any copyright or other proprietary notations from any materials and software on the Website;
transfer the materials to another person or “mirror” the materials on any other server;
knowingly or negligently use this website or any of its associated services in a way that abuses or disrupts our networks or any other service the Company provides;
use the Website or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material;
use the Website or its associated services in violation of any applicable laws or regulations;
use the Website in conjunction with sending unauthorized advertising or spam;
harvest, collect, or gather user data without the user’s consent;
use the Website or its associated services in such a way that may infringe the privacy, intellectual property rights, or other rights of third parties

You further agree that you are solely responsible for your interactions with other users of the Website. We reserve the right but have no obligation, to become involved in your dispute with other users of the Website

You expressly understand and agree that your access to and use of the Website is at your sole risk, and that the Website is provided "as is" and "as available" without warranties of any kind, whether express or implied. To the fullest extent permissible pursuant to applicable law, we, our subsidiaries, affiliates, and licensors make no express warranties and hereby disclaim all implied warranties regarding the Website and any part of it (including, without limitation, the site, any smart contract, or any external websites), including the implied warranties of merchantability, fitness for a particular purpose, non-infringement, correctness, accuracy, or reliability. Without limiting the generality of the foregoing, we, our subsidiaries, affiliates, and licensors do not represent or warrant to you that: (i) your access to or use of the Website will meet your requirements, (ii) your access to or use of the Website will be uninterrupted, timely, secure or free from error, (iii) usage data provided through the Website will be accurate, (iii) the Website or any content, services, or features made available on or through the Website are free of viruses or other harmful components, or (iv) that any data that you disclose when you use the Website will be secure. Some jurisdictions do not allow the exclusion of implied warranties in contracts with consumers, so some or all of the above exclusions may not apply to you.

You accept the inherent security risks of providing information and dealing online over the internet and agree that we have no liability or responsibility for any breach of security unless it is due to our gross negligence.

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF OPPORTUNITY, LOSS OF REPUTATION, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

YOU AGREE THAT OUR TOTAL, AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, ANY PORTION OF THE WEBSITE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, IS LIMITED TO $100. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE-STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

YOU ACKNOWLEDGE AND AGREE THAT WE HAVE MADE THE WEBSITE AVAILABLE TO YOU AND ENTERED INTO THESE TERMS IN RELIANCE UPON THE WARRANTY DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH HEREIN, WHICH REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN THE PARTIES AND FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN US. WE WOULD NOT BE ABLE TO PROVIDE THE WEBSITE TO YOU WITHOUT THESE LIMITATIONS.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

You accept and acknowledge each of the following:

Markets for digital asset securities can be illiquid. You should consult your financial advisor, legal or tax professional regarding your specific situation and financial condition and carefully consider whether buying, selling, or holding cryptocurrency and other digital assets is suitable for you.
You are solely responsible for (i) any taxes applicable to any transactions you conduct on our Website; (ii) any fees associated with your payment method of choice; (iii) any currency conversion fees; and (iv) all associated charges from your internet or mobile network providers. We accept no responsibility for, nor make any representation in respect of, your tax liability.
There are risks associated with using the Internet and digital securities, including, but not limited to, the risk of hardware, software, and Internet connections, the risk of malicious software introduction, and the risk that third parties may obtain unauthorized access to information stored within your wallet. You accept and acknowledge that we will not be responsible for any communication failures, disruptions, errors, distortions, or delays you may experience when using our Website, however caused.
Any investment includes a high degree of financial risk. Further, The market for private securities is less liquid than the market for national market securities or exchange-traded securities. You are solely responsible for determining the suitability of your investments, your eligibility to invest, and your investment strategy. You accept the risks associated with such decisions, including the risk of losing the entire amount of your principal. You should consult with your broker-dealer or other advisors prior to engaging in any securities transaction.
Blockchain transactions are irreversible, and we have no ability to reverse any transactions on the blockchain.
The regulatory regime governing blockchain technologies, cryptocurrencies, and tokens is uncertain, and new regulations or policies may materially adversely affect the development of our Website and the value of cryptocurrency and other digital assets.

To the fullest extent permitted by applicable law, you will indemnify, defend and hold harmless the Company and its past, present, and future employees, partners, contractors, consultants, suppliers, vendors, service providers, agents, representatives, predecessors, successors and assigns (the “Indemnified Parties”) from and against all claims, demands, actions, damages, losses, costs and expenses (including attorneys’ fees) that arise from or relate to: (i) your use of the Website or any services, (ii) your responsibilities or obligations under these Terms, (iii) your violation of these Terms, (iv) your violation of any applicable laws or regulations, (v) your violation of any rights of any other person or entity, or (vi) your contract with any other user.

The Company reserves the right to exercise sole control over the defense, at your expense, of any claim subject to indemnification. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and the Company.

0XEquity and its affiliates make no representations or warranties as to the accuracy, completeness, or usefulness of information presented on our platform. Any reliance you place on such information is strictly at your own risk.

Forward-looking statements, including but not limited to statements as to revenue profitability and growth, expected revenue profitability and growth, prospects, future plans, other expected industry trends, and other matters discussed are matters that are not historic facts, but only estimations and predictions. 0XEquity makes no representation or warranty on having made any predictions, estimates, or expectations based on any formula, any mathematical or scientific modeling or forecast, having made any due and proper inquiries, or having undertaken any independent research or studies or otherwise.

0XEquity may publish market data as available through the platform. None of the market data contained on this website constitutes a recommendation, solicitation, or offer by 0XEquity to buy or sell any securities or other financial instruments or provide any investment advice or service. The market data provided on this platform has been prepared without reference to any particular user's investment requirements or financial situation.

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

These Terms shall remain in full force and effect so long as you access and use our Website. You have the right to terminate your use of our Website and delete your account at any time and for any or no reason. We may terminate your access to or use of the Website at any time without prior notice if you breach any of these Terms or take any suspected fraudulent, abusive, or illegal activity, and termination of your account will be in addition to any other remedies we may have in law or equity.

Any term of these Terms which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms is not affected.

These Terms and your access to and use of the Website shall be governed by and construed in accordance with the laws of the State of Delaware, without giving effect to any choice or conflictof law provisions.

No waiver, concession, extension, representation, alteration, addition, or derogation from these Terms by us, or pursuant to these Terms, will be effective unless consented to explicitly and executed in writing by our authorized representative. Failure on our part to demand performance of any provision in these Terms shall not constitute a waiver of any of our rights under these Terms.

PLEASE READ THIS SECTION CAREFULLY. IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT. ALL DISPUTES ARISING OUT OF OR RELATED TO THESE TERMS OF USE OR ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU AND US, WHETHER BASED ON CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY, WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BEFORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY, AND YOU AGREE THAT THE COMPANY AND YOU ARE EACH WAIVING THE RIGHT TO SUE IN COURT AND TO HAVE A TRIAL BY A JURY. YOU AGREE THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED AND YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION.

THE LAWS OF THE STATE OF DELAWARE AND APPLICABLE UNITED STATES FEDERAL LAW, INCLUDING THE FEDERAL ARBITRATION ACTION AS SPECIFIED HEREIN, SHALL GOVERN THIS AGREEMENT. EXCEPT FOR THOSE DISPUTES THAT SHALL BE RESOLVED IN ARBITRATION OR IN SMALL CLAIMS COURT PURSUANT TO THIS SECTION, EACH PARTY AGREES TO SUBMIT TO THE PERSONAL AND EXCLUSIVE JURISDICTION OF THE COURTS LOCATED IN PHILADELPHIA, PENNSYLVANIA, PROVIDED THAT ANY CLAIMS OR DISPUTES SHALL BE SUBJECT TO THE ARBITRATION PROVISIONS SET FORTH BELOW.

EXCEPT FOR CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF OR CLAIMS REGARDING INTELLECTUAL PROPERTY RIGHTS (WHICH MAY BE BROUGHT, IN AN INDIVIDUAL CAPACITY ONLY, AND NOT ON A CLASS-WIDE OR REPRESENTATIVE BASIS, IN THE COURTS SPECIFIED ABOVE), ANY DISPUTE BETWEEN YOU AND 0XEQUITY RELATED IN ANY WAY TO, OR ARISING IN ANY WAY FROM, OUR SERVICES OR THIS AGREEMENT (“DISPUTE”) SHALL BE FINALLY SETTLED ON AN INDIVIDUAL, NON-REPRESENTATIVE BASIS IN BINDING ARBITRATION IN ACCORDANCE WITH THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) RULES FOR ARBITRATION OF CONSUMER-RELATED DISPUTES (AVAILABLE FROM AAA ON ITS WEBSITE AT WWW.ADR.ORG), AS MODIFIED BY THIS AGREEMENT OR IN ACCORDANCE WITH RULES ON WHICH WE MAY MUTUALLY AGREE; PROVIDED, HOWEVER, THAT TO THE EXTENT A DISPUTE IS WITHIN THE SCOPE OF A SMALL CLAIMS COURT’S JURISDICTION, EITHER YOU OR 0XEQUITY MAY COMMENCE AN ACTION IN SMALL CLAIMS COURT, IN THE COUNTY (OR EQUIVALENT) OF YOUR MOST RECENT PHYSICAL ADDRESS, TO RESOLVE THE DISPUTE. ANY ARBITRATION WILL BE CONDUCTED BY A SINGLE, NEUTRAL ARBITRATOR AND SHALL TAKE PLACE IN PHILADELPHIA, PENNSYLVANIA, USA. THE ARBITRATOR MAY AWARD ANY RELIEF THAT A COURT OF COMPETENT JURISDICTION COULD AWARD, INCLUDING ATTORNEYS’ FEES WHEN AUTHORIZED BY LAW. THE ARBITRAL DECISION MAY BE ENFORCED IN ANY COURT OF COMPETENT JURISDICTION. YOU HEREBY AGREE THAT THIS AGREEMENT EVIDENCES A TRANSACTION INVOLVING INTERSTATE COMMERCE, AND THEREFORE, THE FEDERAL ARBITRATION ACT (“FAA”) APPLIES TO THIS AGREEMENT, INCLUDING THE AGREEMENT TO ARBITRATE SET FORTH IN THIS SECTION 29. WE EACH AGREE THAT THE FAA, AND NOT STATE LAW, SHALL GOVERN WHETHER A DISPUTE IS SUBJECT TO ARBITRATION.

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

0XEquity shall have no liability for any failure or delay resulting from any abnormal or unforeseeable circumstances outside our reasonable control, the consequences of which would have been unavoidable despite all efforts to the contrary, including without limitation governmental action or acts of terrorism, earthquake, fire, flood, or other acts of God, labor conditions, delays or failures caused by problems with another system or network, mechanical breakdown or data-processing failures or where we are bound by other legal obligations.

If 0XEquity is holding assets in your account, and 0XEquity is unable to contact you and has no record of your use of the Services for a prolonged period of time, applicable law may require 0XEquity to report these funds as unclaimed property to the applicable jurisdiction. If this occurs, 0XEquity will try to locate you at the address shown in our records, but if 0XEquity is unable to locate you, it may be required to deliver any such funds to the applicable jurisdiction as unclaimed property. 0XEquity reserves the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by applicable law.

Upon termination of your account or this Agreement for any other reason, all rights and obligations of the parties that by their nature are continuing will survive such termination.

You may not transfer or assign this Agreement or any rights or obligations you have under this Agreement without our prior written consent or otherwise and any such attempted assignment shall be void. We reserve the right to freely assign or transfer this Agreement and the rights and obligations of this Agreement, to any third party at any time without notice or consent. If you object to such transfer or assignment, you may stop using our Services and terminate this Agreement by contacting Support and asking us to close your account.