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91      <h1 class="text-4xl font-bold mb-4">Terms of Service</h1>
92      <p class="text-black/60">Last updated: November 30, 2025</p>
93    </div>
94
95    
96    <div class="bg-white/40 rounded-3xl p-8 md:p-12 border border-black/5 shadow-sm space-y-12">
97
98      
99      <section>
100        <p class="text-black/80 leading-relaxed mt-5">
101          Welcome to Zenth Platform. By using our products and/or services, you agree to comply with and be bound by the following terms of service. Please review the following terms carefully. If you do not agree to these terms, you should not use our products and services. The terms "Zenth" or “Zenth Zone” or “Zenth Platform” or “Platform” or "us" or "we" or "our" refers to N4CLabs (hereinafter the Company). The terms "you" or/and "your" refers to the user or visitor of the Zenth Platform - our online services on ZenthZone.com and all other connected systems and subsystems (e.g. mobile apps, business portal). 
102		</p>
103		<p class="text-black/80 leading-relaxed mt-5">
104		  Any new features or tools which are added to the current Platform shall also be subject to the Terms of Service.
105		</p>
106	  </section>
107	  
108	  
109      <section>
110        <div class="flex items-center gap-3 mb-4">
111          <h2 class="text-xl pb-5 font-semibold">Acceptance of Agreement</h2>
112        </div>
113        <p class="text-black/80 leading-relaxed mt-5">
114          You agree to the terms and conditions outlined in this Terms of Service Agreement (hereinafter the Agreement) with respect to Zenth Platform (hereinafter the Platform). 
115			
116			This Agreement constitutes the general terms governing your use of the Platform. Certain subsystems may be subject to additional specific agreements, which apply alongside this Agreement.
117
118		  The Agreement may be amended at any time by us from time to time of which you will be notified on the Platform. You can review the most current version of the the Agreement at any time on this page. You should review the Agreement each time prior to using the Platform or our services. 
119		</p>
120		<p class="text-black/80 leading-relaxed mt-5">
121		  The Company hereby grants you a limited, revocable, non-sublicensable license to use and display the Platform (excluding any software code) solely for your personal use for the purposes of using the Platform and our services. The license expires upon termination of your account or if you delete your account.
122		</p>
123	  </section>
124	  
125	  
126      <section>
127        <div class="flex items-center gap-3 mb-4">
128          <h2 class="text-xl pb-5 font-semibold">Changes to Terms</h2>
129        </div>
130        <p class="text-black/80 leading-relaxed mt-5">
131			We may update or modify this Agreement from time to time. When changes are made, we will update the “Last Updated” date at the top of this page. Changes take effect immediately upon posting unless otherwise stated. Your continued use of the Platform after any changes become effective constitutes your acceptance of the updated Agreement. If you do not agree to the updated terms, you must stop using the Platform.
132		</p>
133	  </section>
134
135	  
136	  
137	  
138      <section>
139        <div class="flex items-center gap-3 mb-4">
140          <h2 class="text-xl pb-5 font-semibold">Copyright</h2>
141        </div>
142        <p class="text-black/80 leading-relaxed mt-5">
143          The Platform is exclusively the property of the Company. The content is the property of the Company, its partners, affiliates, contributors, or third parties. Any use of any type of Platforms content is only allowed upon receiving written consent by the C
143ompany. You do not acquire ownership rights to any content found on the Platform, except under the conditions, provided in the Section Your Content and Information below. 
144		</p>
145	  </section>
146	  
147	  
148
149	  
150	  
151      <section>
152        <div class="flex items-center gap-3 mb-4">
153          <h2 class="text-xl pb-5 font-semibold">User Responsibilities</h2>
154        </div>
155        <p class="text-black/80 leading-relaxed mt-5">
156			<li style="margin-bottom:5px;">Provide accurate, current, and complete information when creating an account.</li>
157
158			<li style="margin-bottom:5px;">Maintain the confidentiality of your login credentials and restrict access to your account.</li>
159
160			<li style="margin-bottom:5px;">Comply with all applicable laws and regulations when using the Platform.</li>
161
162			<li style="margin-bottom:5px;">Use the Platform only for lawful purposes and in accordance with this Agreement.</li>
163
164			<li style="margin-bottom:5px;">Ensure that any content you submit does not violate the rights of others or applicable laws.</li>
165
166			<li style="margin-bottom:5px;">Immediately notify us of any unauthorized use of your account or any other security breach.</li>
167
168			<li style="margin-bottom:5px;">You are solely responsible for all activities that occur under your account.</li>
169		</p>
170	  </section>
171	  
172	  
173	  
174      <section>
175        <div class="flex items-center gap-3 mb-4">
176          <h2 class="text-xl pb-5 font-semibold">Your Account</h2>
177        </div>
178        <p class="text-black/80 leading-relaxed mt-5">
179          In order to access the Platform systems services, you will have to create an account, or one will need to be created for you. You may never use other users’ account. When creating your account, you must provide accurate and complete information. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You must notify Zenth ([email protected]) immediately of any breach of security or unauthorized use of your account. The Company is not liable for damages caused by any unauthorized use of your account. You may be found liable for the Company or third-party damages caused by such unauthorized use. The Company reserves the rights to block or terminate your account, should it be used against the rules presented in the Agreement, specifically in the Rules of conduct Section below, or upon violation of legislation. In such case, the Company will not be responsible for any data, content, or other loss resulting from the blocking or termination of your account.
180		</p>
181	  </section>
182	  
183	  
184      <section>
185        <div class="flex items-center gap-3 mb-4">
186          <h2 class="text-xl pb-5 font-semibold">Prohibited uses</h2>
187        </div>
188        <p class="text-black/80 leading-relaxed mt-5">
189          In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content:
190		</p>
191		<p class="text-black/80 leading-relaxed mt-5">
192		  (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information;
193		</p>
194		<p class="text-black/80 leading-relaxed mt-5">
195		  (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Platform or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Platform or/and any related subsystems for violating any of the prohibited uses.
196		</p>
197	  </section>
198	  
199	  
200      <section>
201        <div class="flex items-center gap-3 mb-4">
202          <h2 class="text-xl pb-5 font-semibold">Your Content and Information</h2>
203        </div>
204        <p class="text-black/80 leading-relaxed mt-5">
205          You retain intellectual property (IP) rights to the content you create/upload/post on the Platform. For content that is covered by intellectual property rights , you specifically give us the following permission: you grant us a non-exclusive, transferable, sub-licensable, royalty-free (meaning that the Platform is not required to pay you or anyone else deriving rights from you for the use on the Platform of the content that you create/upload/post), worldwide license (because the Internet and the Platform are global in reach) to use any IP content that you post on or in connection with the Platform ("IP License"). By creating/uploading/posting  any content on, through or in connection with the Platform, you hereby grant to the Platform a license to use, modify, delete, add to, publicly perform, publicly display, reproduce, and distribute such content solely on, through or in connection with the Platform and  including, without limitation, through the Platform  system to applications, widgets, websites or mobile, desktop or other services and applications which are linked with your Platform account, including, without limitation, distributing part or all of any content included therein, in any media formats and through any media channels, except that content marked "Private" will not be distributed by the Platform outside the Platform system and linked subsystems. This IP License ends when you delete your IP content or your account unless your content has been shared with others, and they have not deleted it. You represent and warrant that: 
206		</p>
207		<p class="text-black/80 leading-relaxed mt-5 pl-3">
208		  1. you own the Content posted by you on, through or in connection with the Platform, or otherwise have the right to grant the license set forth in this “Your Content and Information” section 
209		</p>
210		<p class="text-black/80 leading-relaxed mt-5 pl-3">
211		  2. the posting of your Content on, through or in connection with the Platform and/or subsystems does not violate the privacy rights, copyrights, publicity rights, contract rights or any other rights of any person or entity. You agree to pay for all royalties, fees, and any other monies owing any person or entity by reason of the use of any content posted by you on or through the Platform and/or subsystems 
212		</p>
213		<p class="text-black/80 leading-relaxed mt-5">
214		  The Platform may reject, refuse to post or delete any content for any or no reason, including, but not limited to, content that in the sole judgment of the Platform  violates this Agreement or which may be offensive, illegal or violate the rights of any person or entity, or harm or threaten the safety of any person or entity. The Platform assumes no responsibility for monitoring the Platform for inappropriate content or conduct. If at any time the Platform chooses, in its sole discretion, to monitor the Platform, the Platform nonetheless assumes no responsibility for the content, no obligation to modify or remove any inappropriate content, and no responsibility for the conduct of the User submitting any such content. You are solely responsible for the content that you post on, through or in connection with any of the Platforms systems and subsystems, and any material or information that you transmit to other users and for your interactions with other users. 
215		</p>
216	  </section>
217		
218	  
219      <section>
220        <div class="flex items-center gap-3 mb-4">
221          <h2 class="text-xl pb-5 font-semibold">Personal information and Privacy Policy</h2>
222        </div>
223        <p class="text-black/80 leading-relaxed mt-5">
224          Your personal information through the Platform is governed by our Privacy Policy. To view our Privacy Policy, please see <a class="font-semibold hover:underline" href="https://zenthzone.com/privacy">https://zenthzone.com/privacy </a>
225		</p>
226	  </section>
227	  
228	  
229      <section>
230        <div class="flex items-center gap-3 mb-4">
231          <h2 class="text-xl pb-5 font-semibold">Product and Service Limitations & Disclaimer of Warranties</h2>
232        </div>
233        <p class="text-black/80 leading-relaxed mt-5">
234          We reserve the right, but are not obligated, to limit the products or/and services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on the Platform is void where prohibited.
235		</p>
236		<p class="text-black/80 leading-relaxed mt-5">
237          We do not warrant that the quality of any products, services, information, or other material used or obtained by you will meet your expectations, or that any errors in the Service will be corrected.
238		</p>
239	  </section>
240	  
241	  
242      <section>
243        <div class="flex items-center gap-3 mb-4">
244          <h2 class="text-xl pb-5 font-semibold">Optional tools</h2>
245        </div>
246        <p class="text-black/80 leading-relaxed mt-5">
247          We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.
248		</p>
249		<p class="text-black/80 leading-relaxed mt-5">
250          You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
251		</p>
252		<p class="text-black/80 leading-relaxed mt-5">
253          Any use by you of the optional tools offered through the Platform is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
254		</p>
255		<p class="text-black/80 leading-relaxed mt-5">
256          We may also, in the future, offer new products and/or services and/or features through the Platform (including, the release of new tools and resources). Such new products and/or features and/or services shall also be subject to this Agreement.
257		</p>
258	  </section>
259	  
260	  
261      <section>
262        <div class="flex items-center gap-3 mb-4">
263          <h2 class="text-xl pb-5 font-semibold">Accuracy, completeness and timeliness of information</h2>
264        </div>
265        <p class="text-black/80 leading-relaxed mt-5">
266          We are not responsible if information made available on the Platform is not accurate, complete or current. The material on the Platform is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on the Platform is at your own risk.
267		</p>
268		<p class="text-black/80 leading-relaxed mt-5">
269          The Platform may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.
270		</p>
271	  </section>
272	 
273	  
274	  
275      <section>
276        <div class="flex items-center gap-3 mb-4">
277          <h2 class="text-xl pb-5 font-semibold">Disclaimer of warranties; limitation of liability</h2>
278        </div>
279        <p class="text-black/80 leading-relaxed mt-5">
280          We do not guarantee, represent or warrant that your use of the Platform will be uninterrupted, timely, secure or error-free.
281		</p>
282		<p class="text-black/80 leading-relaxed mt-5">
283          We do not warrant that the results that may be obtained from the use of the Platform will be accurate or reliable.
284		</p>
285		<p class="text-black/80 leading-relaxed mt-5">
286          You agree that from time to time we may remove the Platform or parts of it for indefinite periods of time or cancel the service at any time, without notice to you.
287		</p>
288		<p class="text-black/80 leading-relaxed mt-5">
289          You expressly agree that your use of, or inability to use, the service is at your sole risk. The Platform and all products and services delivered to you through the Platform are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
290		</p>
291		<p class="text-black/80 leading-relaxed mt-5">
292          In no case shall the Company, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the Platform or any products procured using the Platform, or for any other claim related in any way to your use of the Platform or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Platform or any content (or product) posted, transmitted, or otherwise made available via the Platform, even if advised of their possibility.
293		</p>
294		<p class="text-black/80 leading-relaxed mt-5">
295          Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
296		</p>
297	  </section>
298	  
299	  
300	  
301      <section>
302        <div class="flex items-center gap-3 mb-4">
303          <h2 class="text-xl pb-5 font-semibold">Indemnification</h2>
304        </div>
305        <p class="text-black/80 leading-relaxed mt-5">
306          You agree to indemnify, defend and hold harmless the Platform and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
307		</p>
308	  </section>
309	  
310	  
311      <section>
312        <div class="flex items-center gap-3 mb-4">
313          <h2 class="text-xl pb-5 font-semibold">Severability</h2>
314        </div>
315        <p class="text-black/80 leading-relaxed mt-5">
316          In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
317		</p>
318	  </section>
319	  
320	  
321      <section>
322        <div class="flex items-center gap-3 mb-4">
323          <h2 class="text-xl pb-5 font-semibold">Termination</h2>
324        </div>
325        <p class="text-black/80 leading-relaxed mt-5">
326          The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
327		</p>
328		<p class="text-black/80 leading-relaxed mt-5">
329          These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use the Platform, or when you cease using the Platform.
330		</p>
331		<p class="text-black/80 leading-relaxed mt-5">
332          If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to the Platfrom (or any part thereof).
333		</p>
334	  </section>
335	  
336	  
337      <section>
338        <div class="flex items-center gap-3 mb-4">
339          <h2 class="text-xl pb-5 font-semibold">Entire agreement</h2>
340        </div>
341        <p class="text-black/80 leading-relaxed mt-5">
342          The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
343		</p>
344		<p class="text-black/80 leading-relaxed mt-5">
345          These Terms of Service and any policies or operating rules posted by us on this site or in respect to the Platform constitutes the entire agreement and understanding between you and us and govern your use of the Platform, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
346		</p>
347		<p class="text-black/80 leading-relaxed mt-5">
348			In addition to this general Agreement, certain subsystems of the Platform — such as the Mobile App, Business Portal, Merchant Dashboard, or other specialized interfaces — may be governed by additional, subsystem‑specific terms or agreements. Where such specific agreements exist, they apply solely to the relevant subsystem and operate in conjunction with these Terms of Service. In the event of any conflict between this general Agreement and a subsystem‑specific agreement, the subsystem‑specific agreement shall prevail only with respect to the subsystem it governs.
349		</p>
350		<p class="text-black/80 leading-relaxed mt-5">
351          Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.
352		</p>
353	  </section>
354	  
355	  
356      <section>
357        <div class="flex items-center gap-3 mb-4">
358          <h2 class="text-xl pb-5 font-semibold">Governing law</h2>
359        </div>
360        <p class="text-black/80 leading-relaxed mt-5">
361          These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Slovenia and the European Union
362		</p>
363	  </section>
364	  	  
365	  
366	  
367      <section>
368        <div class="flex items-center gap-3 mb-4">
369          <h2 class="text-xl pb-5 font-semibold">Contact</h2>
370        </div>
371        <p class="text-black/80 leading-relaxed mt-5">
372          Questions about the Terms of Service should be sent to us at
373<span class="cmdc" data-usr='info' data-dom='zenthzone.com'></span>.
374		</p>
375		<p class="text-black/80 leading-relaxed mt-5">
376          Our contact information is posted below:
377		</p>
378		<p class="text-black/80 leading-relaxed mt-3">
379           e: <span class="cmdc" data-usr='info' data-dom='zenthzone.com'></span>
380	  </section>
381	  
382	  
383      <div class="pt-8 border-t border-black/10">
384        <p class="text-sm text-black/50">
385          For any questions regarding this Terms of Service, please contact us at <span class="cmdc" data-usr='info' data-dom='zenthzone.com'></span>
386        </p>
387      </div>
388	  
389	</div>  
390  </div>
391
392
393 
394	<footer class="bg-black text-gray-100 pt-16 pb-8">
395	  <div class="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">
396		<div class="grid grid-cols-1 md:grid-cols-4 gap-12 mb-12">
397
398		  
399		  <div>
400			<span class="text-2xl font-bold tracking-tight">Zenth</span>
401			<p class="mt-4 text-gray-400 text-sm leading-relaxed">
402			  Crafting digital experiences that seamlessly blend with your lifestyle. Zenth Wallet is available for Android & iOS.
403			</p>
404			<div class="d-flex gap-2 mt-3">
405				
406				<a href="https://play.google.com/store/apps/details?id=com.zenth.zenth" target="_blank" rel="noopener noreferrer" >
407					<button type="button" class="btn btn-outline-primary d-flex align-items-center cursor-pointer">
408						<img src="/static/img/stores/GetItOnGooglePlay_Badge_Web_color_English.png" alt="Image" class="me-2" style="height: 3rem; width: auto; object-fit: contain; padding: 5px 5px 5px 0px">
409					</button>
410				</a>
411
412				
413				<a href="https://apps.apple.com/si/app/zenth-wallet/id6759329086" target="_blank" rel="noopener noreferrer">
414					<button type="button" class="btn btn-outline-primary d-flex align-items-center cursor-pointer">
415						<img src="/static/img/stores/Download_on_the_App_Store_Badge_US-UK_RGB_blk_092917.svg" alt="Image" class="me-2" style="height: 3rem; width: auto; object-fit: contain; padding: 5px 0px 5px 0px">
416					</button>
417				</a>
418			</div>
419
420		  </div>
421
422		  
423		  <div>
424			<h3 class="text-sm font-semibold uppercase tracking-wider mb-4">Explore</h3>
425			<ul class="space-y-3">
426			  <li><a href="index#different" smoothscroll class="text-gray-400 hover:text-white transition-colors text-sm">Different</a></li>
427			  <li><a href="index#about" smoothscroll class="text-gray-400 hover:text-white transition-colors text-sm">About</a></li>
428			  <li><a href="index#faq" smoothscroll class="text-gray-400 hover:text-white transition-colors text-sm">FAQ</a></li>
429			  <li><a href="index#download" smoothscroll class="text-gray-400 hover:text-white transition-colors text-sm">Download</a></li>
430			</ul>
431		  </div>
432
433		  
434		  <div>
435			<h3 class="text-sm font-semibold uppercase tracking-wider mb-4">Company</h3>
436			<ul class="space-y-3">
437			  <li><a href="support" class="text-gray-400 hover:text-white transition-colors text-sm">Support</a></li>
438			  <li><a href="privacy" class="text-gray-400 hover:text-white transition-colors text-sm">Privacy Policy</a></li>
439			  <li><a href="terms" class="text-gray-400 hover:text-white transition-colors text-sm">Terms of Service</a></li>
440			</ul>
441		  </div>
442
443		  
444		  <div>
445			<h3 class="text-sm font-semibold uppercase tracking-wider mb-4">Connect</h3>
446			<div class="flex space-x-4">
447			  <a href="https://www.instagram.com/zenth.zone/" target="_blank" class="text-gray-400 hover:text-white transition-colors"><i class="iconoir-instagram"></i></a>
448			  <a href="#" target="_blank" class="text-gray-400 hover:text-white transition-colors"><i class="iconoir-linkedin"></i></a>
449			</div>
450		  </div>
451		</div>
452
453		<div class="border-t border-white/10 pt-0 flex flex-col md:flex-row justify-between items-center">
454		    <p class="text-muted py-3 text-gray-600" style="font-size: 0.65rem; line-height: 1.2; text-align: left;">
455				Zenth and the Zenth logo, Zenth Zone, Zenth Wallet and Zenth Wallet Lite are trademarks of N4C Labs. 
456		        Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. 
457		        App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
458		    </p>
459	    </div>
460
461		
462		<div class="border-t border-white/10 pt-8 flex flex-col md:flex-row justify-between items-center">
463		  <p class="text-gray-500 text-xs">© 2025-2026 Zenth. All rights reserved.</p>
464		  <div class="flex space-x-6 mt-4 md:mt-0">
465			  <span class="text-neutral-800 text-xs">Powered by N4CLabs</span>
466		  </div>
467		</div>
468	  </div>
469
470	</footer>
471
472	
473		
473<script src="static/js/jquery.js"></script>
473
474	
474<script src="static/js/app.js"></script>
474
475
476
477</body>
478</html>
479
480<!-- nfourc.com -->

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