General Terms and Conditions and Right of Cancellation

for Consumers of Karina Klaus Unipessoal Lda

 

Part 1 – Scope of application and applicable law

  • Scope of application

(1) The following General Terms and Conditions apply to all legal transactions of consumers and entrepreneurs with

Karina Klaus Unipessoal Lda
Managing Director Karina Klaus
Praceta dos Sete Castelos 1
2780-305 Oeiras
Portugal
PT517999382
[email protected]
www.karinaklaus.com

referred to below as the “we” or “us”.

The legal transactions can be effected via the website.

 

(2) The language available for the conclusion of the contract is exclusively English.

Translations in other languages are only for your information. The English text takes precedence over any differences in the use of language.

(3) These General Terms and Conditions (GTC) apply exclusively. Any terms and conditions you use that contradict or deviate from these GTC will not be recognized by us, unless we have expressly agreed to their validity in writing or in text form.

(4) Some products may be provided by third-party partners. In these cases, the terms and conditions of the respective partner may apply in addition to ours. In case of discrepancies, the partner’s terms shall take precedence.

 

  • Applicable law and consumer protection regulations

(1) The law of the Portuguese Republic applies with the exclusion of international private law and the CISG, if

  1. you place an order as an entrepreneur;
  2. you have your usual residence in Portugal; or
  3. your usual residence is in a country that is not a member of the European Union.

(2) If you are a consumer within the meaning of the applicable EU law and your usual residence is in a member state of the European Union, Portuguese law also applies; however, mandatory consumer protection provisions of your country of residence remain unaffected.

A consumer within the meaning of the following regulations is any natural person who concludes a transaction for purposes that cannot for the most part be assigned to the commercial or independent professional activities of the person.

Entrepreneur is any natural person or legal entity or a partnership with legal capacity that acts in fulfillment of their selfemployed professional or commercial activity when concluding a legal transaction.

(3) The version of these GTC valid at the time of the order shall apply.

(4) The prices applicable are those listed at the time of booking.

(5) Promotional discounts or limited-time offers are valid only within the specified timeframes or quantities. There is no entitlement to past or future promotions.

 

 

Part 2 – Conclusion of contract, payment terms, duration of the contracts and vouchers

  • Subject matter of the contract

(1) The following services (the list is not exhaustive) may be subject matter of the contract:

  • Group mentoring
  • Mentoring program
  • Online courses and recorded workshops
  • E-Books, workbooks and digital downloads (PDFs, audio, etc.)
  • Online-Events/Live Events (hereinafter referred to as event)
  • Membership

(2) All offers on the Internet are non-binding and do not constitute a legally binding offer for the conclusion of a contract.

 

  • Prices, payment terms and due dates

(1) All prices are listed in [EUR] and may be subject to VAT (IVA) in accordance with Portuguese tax law.

(2) An invoice is sent to you by e-mail in the form of a PDF document. The invoice amount is due immediately upon receipt of the invoice and payable to us within 14 days.

(3) Whether any program you purchase from us is considered a deductible business expense depends on your individual tax situation. Please consult your tax advisor for details.

(4) Access to the respective offers is made subject to a prior receipt of payment. As soon as we have received your deposit/payment, you have a claim from that point in time to our respective service.

(5) The service is only activated once the amount has been credited to our account. As a rule, you then immediately receive your access data to the member area; or the link to generate your access data to the member area.

(6) In some cases, we also offer payment in installments. The total amount may be higher compared to full payment. We will inform you of this amount in advance. You have the right to repay the full outstanding amount at any time before the end of the agreed payment period. This does not affect the total payable amount agreed at the time of booking, including any applicable installment fees or surcharges.

(7) For late payments, both for purchases and installment purchases, interest will be charged at the agreed rate (the installment payment amount is usually higher than for a one-time payment) as well as costs for appropriate reminders. If the internal dunning process is unsuccessful, we can hand over the outstanding debt to a lawyer for collection. In this case, you will incur costs for legal representation.

(8) If we have agreed to payment in installments and you fail to pay after a reminder in text form and a grace period, we are entitled to terminate the installment payment prematurely and the entire outstanding amount shall then become due immediately.

(9) You may not withhold payments or offset them against any claims unless those claims are legally confirmed or explicitly acknowledged by us in writing.

(10) If you default with payment or delay it, we are entitled to refuse the service or delivery
until all due payments have been made. In this case, we are also entitled to withhold,
interrupt, delay or completely stop services without being obligated to compensate you for
any damage that may arise. These rights shall apply without prejudice to any other
contractually agreed or statutory rights and claims of ours.

 

  • Conclusion of the contract

(1) Order process and contract formation

(a) You may book a service or product via our website, through a third-party checkout provider (such as Stripe, PayPal, Thrivecart, or Paperbell), or in some cases by email.

(b) On the respective product or service page, you will see the content, price, and main characteristics of the offer.

(c) If you have a voucher or discount code, you may enter it at checkout before completing your purchase.

(d) You then proceed to the checkout page and enter your personal details (name, email, billing address, and, if applicable, company name and VAT number).

(e) You select one of the available payment methods (see Section 2 below).

(f) Before submitting your order, you will have the opportunity to review and correct your details.

(g) By clicking the final purchase button (which clearly indicates an obligation to pay), you submit a binding offer to conclude a contract.

(h) After successful payment, you will receive a confirmation email on a durable medium (email or PDF). This confirmation represents our acceptance of your offer. At that point, the contract is legally concluded.

(i) The contract language is English.

 

(2) Payment options 

We currently offer the following payment methods, depending on the product and platform:

(a) PayPal: If you choose PayPal, you will be redirected to the PayPal login page. Payment is processed via PayPal (Europe) S.à r.l. et Cie, S.C.A., 22–24 Boulevard Royal, 2449 Luxembourg, subject to the PayPal user agreement: https://www.paypal.com/webapps/mpp/ua/useragreement-full.

(b) Stripe (credit and debit card payments): If you choose to pay by card (Visa, MasterCard, American Express, or other cards supported in your country), your details will be entered via a secure connection and processed immediately through our payment provider, Stripe Payments Europe, Ltd., The One Building, 1 Grand Canal Street Lower, Dublin 2, Ireland. Stripe’s terms of service apply in addition: https://stripe.com/legal.

(c) Credit card (via other platforms): In some cases, credit card payments may be processed via third-party checkout providers (e.g. Thrivecart, Paperbell). In those cases, your payment will be processed according to the terms of that provider, in addition to these Terms and Conditions.

(d) Pre-payment / bank transfer: If you choose pre-payment, you will receive an email with our bank details. You must transfer the full amount within 14 days. Access will only be provided once the amount has been received in our account. Bank transfer times vary and may take several days.

(e) Other platforms: For certain services (such as memberships, courses, or bundles), payment may be processed via third-party checkout providers. In such cases, their payment terms may also apply, in addition to ours.

 

(3) Delivery of access

(a) Access to coaching sessions, digital content, or online courses will only be provided after successful payment has been received.

(b) Login credentials, scheduling links, or download instructions will be delivered to the email address you provided at checkout.

(c) If you pay by pre-payment or bank transfer, access may be delayed until payment is confirmed by our bank.

 

(4) Manual bookings
If you book a service by email, the contract is concluded once we confirm your booking in writing and your payment has been received.

(5) Eligibility
Services and products are offered only to persons who are at least 18 years old or who have the legal capacity to enter into binding contracts.

(6) Right to refuse or correct errors
We reserve the right to refuse orders or bookings and to correct obvious errors or inaccuracies in pricing, descriptions, or availability shown at checkout.

(7) Confirmation on a durable medium
You will receive confirmation of the concluded contract and all essential terms (including these Terms and Conditions) on a durable medium (email or PDF). You are encouraged to save or print this confirmation for your records.

 

  • Right of withdrawal for consumers

(1) As a consumer, you have a statutory right of withdrawal of 14 days (see appendix).

(2) The withdrawal period begins with the conclusion of the contract. The contract is
concluded at the moment you receive the confirmation email of the purchase by us.

In the case of the purchase of a physical product, the withdrawal period begins when the goods have been delivered to you or a person authorized by you. You can cancel your purchase free of charge within 14 days.

(3) In the case of services, such as coaching, the following special provisions apply with regard to the right of withdrawal:
a) If you purchase a coaching program and we begin providing the service directly or within the 14-day withdrawal period, you waive your statutory right of withdrawal to that extent.

b) We will inform you of this before you complete your booking/order as follows:
„You expressly request that we begin providing the service before the end of the 14-day withdrawal period. You therefore waive your right of withdrawal once the service has been fully performed. In the event of partial performance within the withdrawal period, we are entitled — even in the event of withdrawal — to payment for the services already rendered.“

(4) If the booking is revoked within 14 days and we have already started providing our service during this time, you are only entitled to a pro rata refund. The value of the services already provided will be deducted from the refund on a proportionate basis.

(5) In the case of digital content or products, the following special provisions apply with regard to the right of withdrawal:
a) If you purchase a digital product and the entire content is made available to you immediately after payment, you waive the statutory 14-day right of withdrawal.

b) BEFORE completing your order, you will be asked to expressly confirm the following statement:
„I hereby waive the 14-day right of withdrawal to which I am entitled, so that I can access the digital content in full immediately.“

c) AFTER the purchase of a digital product is completed, we will confirm to you in writing (e.g. by email) that your right of withdrawal has expired. This confirmation will be sent in a way that allows you to store and access it at any time.

(6) If you have not paid a purchase price for our service or digital content, but instead provide personal data (for example, by signing up for a free offer in exchange for your email address), the right of withdrawal expires by law as soon as we begin providing the service or giving access to the digital content.

 

  • Term of contract and termination

(1) The duration of the contract depends on the specific program or service booked. As a general rule, the contract ends automatically once it has been fulfilled. This means that you have paid the agreed fee in full and we have provided the corresponding service in return.

(2) The right of both parties to terminate the contract for cause remains unaffected. Our right to terminate for cause applies in particular if you intentionally or negligently violate provisions of these Terms and Conditions, or if you engage in prohibited conduct.

 

 

Part 3 – Details on the range of services and cancellation policy

  • Duration of a consultation unit and location of the mentoring

(1) Mentoring sessions or events may take place in groups, depending on the program booked.

(2) The duration of group mentoring depends on the program booked and typically ranges from 4 weeks to 6 months. If you purchase an annual program, it will end automatically after one year.

(3) Unless otherwise agreed in writing between the parties, mentoring sessions or events are conducted online via Zoom or Google Meet.

(4) Participants are not entitled to attend live sessions or events if they are unable to join at the scheduled time. The dates will be communicated in advance. Sessions and events will not be repeated.

(5) We use third-party platforms (such as Zoom, Thrivecart, or course hosting providers) to deliver our services. We are not responsible for interruptions, downtime, or access issues caused by such third-party providers.

 

  • Scope of services and services not used

(1) The scope of services for each product is determined by the description of the mentoring program or event booked.

(2) If participants do not make use of all parts of the mentoring program or event, this does not affect our right to charge the full agreed fee or to retain amounts already paid.

 

Part 4 – Rights and obligations of the customer

  • Access to the programs

(1) Access to mentoring programs or digital products is personal and non-transferable. Goods are not part of our offer and are not shipped.

(2) You will receive access details for your member area by email. You may download the digital content to up to 3 different personal devices.

(3) The login data sent during registration (username, password, etc.) must be kept confidential and not shared with unauthorized third parties.

(4) Only you may access and use your login data. If we have reason to believe that unauthorized third parties have gained knowledge of your access data, you must notify us immediately so that we can block or change it.

(5) We may block your access temporarily or permanently if there is specific evidence that you are violating these Terms and Conditions and/or applicable law, or if we have another legitimate reason to do so. In making this decision, we will take your legitimate interests into account.

(6) A right to access exists only after full payment has been received for the digital product or service.

(7) If you have any questions about the use of the purchased services or if access does not work, please contact us at [email protected].

 

  • Right to use the digital content or the documentation from the mentoring programm

(1) All intellectual property rights in our content, materials, methods, and programs remain with us. No rights are transferred to you, except for the limited, non-transferable license to use the content for your own personal purposes.

(2) As a customer, you may download and/or print audio, video, PDF files, and other documents solely for your personal use, provided this is permitted for the course or program you purchased. Printing may also be carried out with the help of third parties (e.g. copy shop). All other rights of use remain reserved to us. In particular, the materials, templates, and knowledge provided may not be shared with third parties, whether free of charge or for payment, and may not be used for consulting or commercial purposes.

(3) Creating copies of files or printouts for third parties, passing on or forwarding files or documents, or any use beyond your own study purposes — whether for a fee or free of charge, and whether during or after the program — requires our express prior written consent.

(4) Our brands, logos, and other identifiers are protected by copyright, trademark, or other applicable intellectual property laws. You are obligated to use the documents and files made available to you only within the scope expressly permitted here or under mandatory statutory provisions, and not to enable unauthorized use by third parties. This obligation continues even after termination, withdrawal, or cancellation of participation.

(5) Uses that are permitted under mandatory statutory provisions remain unaffected by these restrictions.

(6) It is strictly prohibited to make recordings of any kind of our live videos, group calls, or other content. These materials are accessible only within the respective program and may not be stored, reproduced, or used outside of it.

 

  • Collection, storage and processing of your personal data by us

(1) To implement and process a booking, we need the following data from you:

  • First and last name
  • Address
  • Email address
  • In the case of entrepreneurs, also company name and VAT ID number

The specific mandatory fields depend on the product booked. The legal basis for this processing is the performance of a contract according to Art. 6(1)(b) GDPR.

(2) For paid services, the information you provide regarding your name, company name (if applicable), and address must be correct. Invoices are generated automatically based on this information. If corrections are required due to incorrect data, additional costs may be incurred, which we may charge in a reasonable amount.

(3) If your personal details change, especially your email address, please notify us promptly by contacting [email protected].

(4) For more information about how we process personal data, your rights under GDPR, and contact details for data protection inquiries, please see our Privacy Policy.

 

  • Your own provision of suitable IT infrastructure and software

As a participant, you are solely responsible, at your own expense and risk, for ensuring Internet access (hardware, telecommunications connection, etc.) and for providing the technical equipment and software required to use our online services (in particular a current web browser, a PDF program such as Acrobat Reader®, and video conferencing software such as Zoom or Google Meet).

 

  • General information on the mentoring program by Karina Klaus Unipessoal Lda

(1) Coaching Disclaimer
Our coaching and mentoring services are intended for personal and professional development. They do not constitute medical, psychological, or therapeutic treatment, and they are not a substitute for professional advice from doctors, psychologists, or lawyers. You remain responsible for seeking appropriate professional support where needed.

(2) Our programs are based on mutual cooperation and active participation by the client.

(3) Participation in the coaching program requires a willingness to take responsibility for your own learning process. We cannot guarantee any specific results or success. Our role is to accompany and support you during the process, providing guidance, examples, and instructions. You alone remain responsible for implementation and for all decisions you make.

(4) You are fully responsible for your own physical and mental health during the programs. Any actions you take as a result of the programs are your sole responsibility. If you have been diagnosed with a mental illness or are undergoing medical treatment, please consult your doctor before continuing with the program. We reserve the right to discontinue the program if we become aware that participation may pose a risk to your health.

 

  • Live Events

(1) Events take place in rented venues.

(2) Depending on the type of event, a minimum or maximum number of participants may apply.

(3) Participation in live events is always at your own risk.

(4) We do not accept any liability for valuables you bring to the event.

(5) In the event of service disruptions, you are obliged to cooperate within the framework of statutory provisions in order to prevent or minimize possible damage. In particular, we ask you to notify us of any complaints immediately. If you culpably fail to report a defect, you forfeit your right to a reduction of the participation fee.

(6) Events always involve a residual risk. You are insured against accidents and rescue costs only within the scope of your own accident or health insurance.

(7) Prices do not include travel costs, meals, or accommodation expenses, unless explicitly stated otherwise.

 

  • Confidentiality and Non-Disclosure

(1) You acknowledge that all information you receive during our collaboration regarding the way in which we provide services (ideas, concepts, methods, designs, and operational know-how) that is confidential by law or by its nature is subject to business secrecy. You undertake to protect such business secrets and to keep this information strictly confidential.

(2) With our prior written consent, you are entitled to share testimonials or references about your collaboration with us.

(3) The confidentiality obligation continues beyond the end of the collaboration between the parties.

(4) The confidentiality obligation does not apply to:
information already known to you before the obligation took effect;

information lawfully developed independently of us;

information that was publicly available at the time of disclosure, or that became publicly available afterward without your fault.
(5) In the event of a breach of the confidentiality obligation, a reasonable contractual penalty shall be due. We also reserve the right to claim further damages.

 

Part 5 – Secrecy and liability

  • Secrecy of both Parties

(1) We undertake to maintain confidentiality regarding all confidential information you share with us during the mentoring program and after its conclusion.

(2) You are obligated to maintain confidentiality regarding all confidential information you become aware of during the collaboration. You may only disclose or use such information in connection with third parties with our prior written consent. This obligation also applies to all documents you receive or to which you gain access as part of the mentoring program.

 

  • Liability for content

(1) In our online programs, e-books, and live events, we provide examples, options for action, and general recommendations where relevant. You alone are responsible for implementing these and for making your own decisions.

(2) All files and documents we provide are examples that must be adapted to your individual circumstances. We do not assume liability for their completeness, accuracy, or up-to-dateness.

(3) We reserve the right to update, modify, or improve the content at any time.

(4) We are not liable for any content created and provided by third-party partners.

 

  • Limitation of liability

(1) We are liable for intent and gross negligence. We are also liable for negligent breaches of essential contractual obligations — obligations whose fulfillment is necessary for the proper performance of the contract and on which you may regularly rely. In such cases, our liability is limited to foreseeable and typical damages under the contract. We are not liable for slightly negligent breaches of obligations other than those described above. These exclusions of liability do not apply to injury to life, body, or health. Liability under mandatory product liability laws remains unaffected.

(2) Data communication over the Internet cannot, according to the current state of technology, be guaranteed to be error-free or available at all times. We are therefore not liable for the continuous and uninterrupted availability of our online services. Regular maintenance intervals will be announced in advance where possible.

(3) All of the above limitations of liability also apply in favor of our legal representatives, employees, and subcontractors.

 

  • Force majeure

(1) Force majeure refers to external events beyond the control of the parties, with no operational connection, that cannot be prevented even with the utmost reasonable care. Examples include natural disasters (such as floods, earthquakes, storms, hurricanes, or fire), political events (such as wars or civil unrest), and other extraordinary circumstances such as epidemics, pandemics, diseases, or quarantine orders issued by authorities. This list is not exhaustive; comparable events also fall under the definition of force majeure.

(2) The party first becoming aware of a force majeure event must inform the other party without undue delay.

(3) If, due to a force majeure event, it is temporarily impossible to provide our services online, the contractual obligations of both parties will be suspended for the duration of the hindrance. Fees already paid remain with us for this period. Payments still owed for services already rendered remain due. For services not yet provided, you may pause payment for the period of suspension. Once performance becomes possible again, the contract will resume. Any further damages arising from the event shall be borne individually by each party.

(4) If a force majeure event lasts longer than 12 months and services cannot be performed online, either party may terminate the contract in text form with three weeks’ notice to the end of a calendar month. Services already rendered must be paid for. Fees paid in advance will be refunded, except for payments made solely to secure a guaranteed place in an event or course; such reservation fees are non-refundable. Additional ticket or course fees will be refunded. Each party remains responsible for its own additional costs (such as travel, accommodation, or other expenses).

(5) If a force majeure event lasts longer than 18 months and it remains impossible to perform our services online, the contract will be terminated. We will then issue a final invoice listing the services provided and the payments made. Any outstanding payments for services already rendered must be paid within 14 days of receipt of the final invoice. If there is a credit balance in your favor, it will be refunded within 14 days of sending the final invoice. The final invoice may be sent as a PDF by email. Further claims arising from force majeure are excluded. Each party bears its own additional costs and damages.

 

Part 6 – Final provisions and place of jurisdiction

  • Change to these Terms and Conditions

These Terms and Conditions may be amended if there is a valid reason for the change. Such reasons include, for example, changes in applicable law, developments in case law, or changes in economic or technical conditions. We will inform you in advance of any planned changes. After receiving this information, you have a 14-day right of withdrawal if you do not agree with the changes. If you continue to use our services after this period without objecting, the changes will be deemed accepted.

 

  • Final provisions

(1) These Terms and Conditions are complete and final. Amendments and supplements must be made in writing (email or text form is sufficient) in order to avoid ambiguities or disputes between the parties about the agreed content of the contract.

(2) For contracts with consumers, the statutory rules on jurisdiction apply; consumers may bring claims in the courts of their country of residence. For contracts with entrepreneurs, the place of jurisdiction for all disputes is our registered office in Oeiras, Portugal.

(3) In addition to recourse to the courts, you have the possibility of online dispute resolution in accordance with Regulation (EU) No. 524/2013. The European Commission provides a platform for this purpose: https://ec.europa.eu/consumers/odr. We are not obliged and do not agree to participate in dispute resolution proceedings before a consumer arbitration board.

(4) In accordance with Law no. 144/2015, consumers may refer disputes to alternative consumer dispute resolution entities. A list of available entities can be found at: https://www.consumidor.gov.pt. We are not obliged and not committed to participate in alternative dispute resolution procedures before consumer arbitration boards, but we provide this information as required by law.

(5) These Terms and Conditions are governed by the laws of Portugal, subject to the mandatory consumer protection rules of your country of residence.

(6) If any provision of this contract is or becomes invalid, the remainder of the contract shall remain unaffected. In such a case, the affected provision shall be replaced by a valid provision that comes as close as possible to the economic intent of the original.

 

Version: 1
Status: September 2025

Appendix 1:

 

Consumer information and notification of right of withdrawal

(1) The language available for the conclusion of the contract is exclusively English.

(2) The presentation of our services on the website does not constitute a legally binding offer. A binding offer arises only once you have booked a service. If you accept this offer, we (or our booking system provider) will send you a booking confirmation by email. With this confirmation, the contract for the program is concluded.

(3) All prices are stated in EUR. For private individuals within the EU, prices include Portuguese VAT. For entrepreneurs within the EU who provide a valid VAT ID, the reverse charge mechanism applies and no VAT will be charged. For customers outside the EU, no VAT will be charged.

(4) The personal data required for the performance of the contract will be stored by us and is accessible to you upon request. For details, please refer to our Privacy Policy available on our website.

(5) As a consumer, you have a right of withdrawal in accordance with the following instructions.

 

Right of Withdrawal

As a consumer, you have the right to withdraw from this contract within fourteen (14) days without giving any reason.
You do not have a right of withdrawal if you have expressly agreed that we begin the service before the end of the withdrawal period and the service has been fully performed. If we have partially performed the service during the withdrawal period, you will owe us a proportionate amount for the service already provided.
In the case of digital content, you lose your right of withdrawal if you have expressly agreed to immediate access to the full content and acknowledged that this means you waive your right of withdrawal.

 

Start of the withdrawal period

The withdrawal period is fourteen (14) days from the day the contract is concluded. The contract is considered concluded on the day you receive a confirmation email from us after a successful booking.

 

How to exercise your right of withdrawal

To exercise your right of withdrawal, you must notify us clearly (for example, by letter sent by post or email) of your decision to withdraw from this contract.

You can contact us at:
Karina Klaus Unipessoal Lda
Praceta dos Sete Castelos 1
2780-305 Oeiras
Portugal

[email protected]

You may use the attached model withdrawal form, but its use is not mandatory.
To meet the withdrawal deadline, it is sufficient that you send your communication concerning your exercise of the right of withdrawal before the withdrawal period expires.

 

Consequences of Withdrawal

If you withdraw from this contract, we will refund all payments we have received from you without undue delay and at the latest within fourteen (14) days from the day on which we receive your notification of withdrawal.
For this repayment, we will use the same means of payment that you used for the original transaction, unless we have expressly agreed otherwise with you. You will not incur any fees for this repayment.
If you paid by bank transfer, please provide us with your account details, as we may not be able to see your full information on the bank statement.
If you requested that we begin providing the service before the end of the withdrawal period, you must pay us a proportionate amount for the services already provided up to the time you informed us of your withdrawal. For services fully performed within the withdrawal period, no refund is possible.

 

Appendix 2:

Model Withdrawal Form
(If you wish to withdraw from the contract, please complete this form and send it back to us.)

To:
Karina Klaus Unipessoal Lda
Praceta dos Sete Castelos 1
2780-305 Oeiras
Portugal
[email protected]

 

I/We (*) hereby withdraw from the contract concluded for the booking of the following service/digital product/event:
Description of the service/digital product/event: …………………………………….

Booked on (*): …………………………………….

Confirmation email received on (*): …………………………………….

Name of consumer(s): …………………………………….
Address of consumer(s): …………………………………….
Account details for refund (if applicable): …………………………………….
Signature of consumer(s) (only if this form is submitted on paper): …………………………………….
Date: …………………………………….
(*) Delete where inapplicable.