Terms of Service

2.1 Who these Terms are between

These Terms form a legally binding contract between GLYD and the Customer. By creating an Account, clicking to accept these Terms, or using the Service, the Customer agrees to be bound by these Terms on behalf of the legal practice it represents.

2.2 Eligibility

The Service is available only to legal practices that are:

• —Regulated by the Solicitors Regulation Authority (SRA) or the Council for Licensed Conveyancers (CLC) and in good standing with their regulator; and
• —Operating in England and Wales.

The Service is not available to consumers, members of the public, unregulated individuals, or practices regulated solely under the laws of Scotland or Northern Ireland. By creating an Account, the Customer warrants that it meets these eligibility requirements.

2.3 Firm Admin

The Customer must designate at least one Firm Admin who is responsible for: creating and managing the Account; inviting and removing Authorised Users; configuring firm-level settings; accepting updated Terms on behalf of the Customer; and ensuring compliance with these Terms by all Authorised Users. The Firm Admin must be an employee or principal of the Customer.

2.4 Authorised Users

The Customer is responsible for all acts and omissions of its Authorised Users as if they were the Customer's own. The Customer must ensure that Authorised Users are aware of and comply with these Terms. The Customer must promptly remove access for any Authorised User who ceases to be employed by or associated with the Customer.

2.5 Beta Programme

During the Beta Programme, access to the Service is by invitation only. GLYD may withdraw, modify, or suspend access at any time during the Beta Programme without liability. Beta Programme participants acknowledge that the Service is in active development and may contain defects, incomplete features, or errors. Feedback from Beta Programme participants may be used by GLYD to improve the Service.

3.1 What GLYD is

GLYD is a preparation and assistance tool for post-completion conveyancing workflows in England and Wales. Its purpose is to automate the preparation of forms and documents, reduce manual data entry, surface potential errors before submission, and maintain a structured audit trail of post-completion activity.

3.2 What GLYD is not

GLYD is not, and must not be treated as:

• —a legal advisor — GLYD does not provide legal advice. Nothing in any Output, alert, or pre-flight check result constitutes legal advice.
• —a filing agent — except for SDLT returns submitted to HMRC in Phase 1 (with Fee Earner approval), GLYD does not make Submissions on the Customer's behalf. The Fee Earner is responsible for all Submissions.
• —a compliance officer — GLYD's pre-flight checks are designed to identify common errors and missing data, but they do not constitute a comprehensive compliance review and do not guarantee that any Output is correct, complete, or compliant.
• —a substitute for professional judgement — every Output must be reviewed and approved by a Fee Earner before any Submission is made. No Output should be submitted without such review.

3.3 Phase 1 scope (current)

The Service currently covers the following post-completion workflows:

• —SDLT return (SDLT1, SDLT2, SDLT3, SDLT4) preparation using AI-assisted data extraction from uploaded transaction documents, with electronic submission to HMRC's Stamp Taxes Online API following Fee Earner review and approval.
• —AP1 application preparation for manual lodgement by the Fee Earner via the HMLR Digital Registration Service (DRS) portal. GLYD prepares the AP1 data; the Fee Earner is responsible for lodging it manually.
• —OS1/OS2 official priority search results retrieval via the HMLR Information Services API.
• —DS1/ED1 discharge of charge preparation for Fee Earner review.
• —Leasehold notice preparation (notice of transfer and notice of charge) for Fee Earner review.
• —Pre-flight validation: automated checks for common errors, missing fields, and data inconsistencies before any Output is reviewed by a Fee Earner.
• —Requisition management: tools for tracking, responding to, and auditing HMLR requisitions.

3.4 Phase 2 scope (not yet available)

Electronic AP1 submission via the HMLR Business Gateway API is not available in Phase 1. HMLR has paused onboarding of new developers to the AP1 electronic submission service, with no confirmed date for reopening before the end of 2026. GLYD will notify Customers when Phase 2 features become available. The Customer acknowledges that Phase 2 features are not included in the current Service and that GLYD cannot guarantee when or whether they will become available.

3.5 Updates to the Service

GLYD may add, modify, or remove features of the Service at any time, including in response to changes in HMRC or HMLR systems, regulatory requirements, or product development priorities. GLYD will use reasonable endeavours to notify Customers of material changes in advance. No such update entitles the Customer to a refund unless the update constitutes a material degradation of the Service.

4.1 How AI extraction works

The Service uses artificial intelligence and machine learning models to extract data from uploaded documents (including TR1s, mortgage deeds, leases, discharge forms, and completion statements). Extracted data is used to populate SDLT returns, AP1 drafts, and other Outputs. Each extracted field is presented to the Authorised User with a confidence indicator (High, Medium, or Low) indicating the system's assessed reliability of that extraction.

4.2 AI limitations and accuracy

AI-assisted extraction is not infallible. Accuracy depends on document quality, format, and completeness. Low-confidence extractions are highlighted for mandatory manual review. GLYD does not warrant that any AI-Assisted Output is accurate, complete, or free from error. The Customer acknowledges that AI-Assisted Outputs are starting points for Fee Earner review, not final documents.

4.3 Fee Earner review is mandatory

Before any Output is submitted to HMRC, HMLR, or any other recipient, the relevant Fee Earner must review and expressly approve the Output. This is a contractual requirement and a professional obligation. GLYD's workflow is designed to surface AI-Assisted Outputs for review; no Output proceeds to Submission without an explicit approval action by an Authorised User.

4.4 No warranty of AI accuracy

GLYD gives no warranty, express or implied, as to the accuracy, completeness, or fitness for purpose of any AI-Assisted Output. The Customer's sole remedy for an inaccurate Output is to correct it before Submission. Liability for Submissions made on the basis of unreviewed or incorrectly reviewed Outputs rests with the Customer and the Fee Earner, not with GLYD.

4.5 AI model training — no use of Customer Data

Customer Data and Matter Data are never used to train, fine-tune, or improve any AI or machine learning model, whether operated by GLYD or any third party. This is a contractual commitment reflected in GLYD's agreements with its AI infrastructure providers. Langfuse logging is used for audit and operational purposes only, with a 7-year retention period; it does not feed AI training pipelines.

5.1 Professional responsibility

The Customer and each Fee Earner retain full professional and legal responsibility for every Submission made in connection with a Matter processed through the Service. Using the Service does not discharge, reduce, or transfer any professional obligation owed by a solicitor or licensed conveyancer to their client, their regulator, HMLR, or HMRC.

5.2 Review before submission

The Customer must ensure that every Output is reviewed by a qualified Fee Earner before Submission. Fee Earners must verify that all extracted data is accurate, that all fields required by HMLR or HMRC are correctly populated, and that the Output reflects the true facts of the Matter. The Fee Earner must not approve an Output that they know or reasonably suspect to be incorrect.

5.3 Correct and complete information

The Customer must ensure that all documents uploaded to the Service are genuine, accurate, and complete. GLYD's AI extraction is only as reliable as the source documents. Uploading incomplete, incorrect, or draft documents and relying on the extracted data is the Customer's risk.

5.4 Deadlines

The Customer is solely responsible for ensuring that all Submissions are made within the statutory and HMLR deadlines applicable to each Matter, including but not limited to:

• —The 14-day deadline for SDLT returns after completion (Stamp Duty Land Tax Act 2003, s.76);
• —The priority period of an OS1/OS2 official search (30 business days from the date of issue);
• —Any requisition response deadline set by HMLR.

GLYD's deadline tracking features (where available) are provided as reminders only and do not constitute legal advice about applicable deadlines. The Customer must not rely solely on GLYD's deadline alerts.

5.5 Acceptable use

The Customer must not, and must ensure that Authorised Users do not:

• —Use the Service to process any Matter that is not a genuine post-completion conveyancing transaction;
• —Upload fraudulent, forged, or materially misleading documents;
• —Attempt to reverse-engineer, decompile, or derive the source code of the Service;
• —Share Account credentials with individuals who are not Authorised Users;
• —Use the Service in any way that breaches applicable law, including the Proceeds of Crime Act 2002, the Money Laundering Regulations 2017, or the Fraud Act 2006;
• —Use the Service to facilitate any transaction that the Customer knows or suspects to involve mortgage fraud, title fraud, or money laundering.

6.1 Electronic SDLT submission (Phase 1 — live)

In Phase 1, the Service submits SDLT returns to HMRC electronically on behalf of the Customer via HMRC's Stamp Taxes Online XML API (GovTalk/Transaction Engine protocol), following review and approval by a Fee Earner. GLYD is the technical submitter; the Customer's practice and the responsible Fee Earner remain the declarant for SDLT purposes. GLYD is registered with HMRC as a software vendor (Vendor ID 9462) for this purpose. GLYD will provide the Customer with the SDLT5 reference and HMRCmark receipt upon successful submission.

6.2 AP1 — manual lodgement only (Phase 1)

In Phase 1, GLYD does not electronically submit AP1 applications to HMLR. The Service prepares the AP1 data for review by the Fee Earner. The Fee Earner must then manually lodge the AP1 via the HMLR Digital Registration Service (DRS) portal or by other means available to the Customer. GLYD accepts no responsibility for the manual lodgement step, including errors made during that process.

6.3 Electronic AP1 submission (Phase 2 — not yet available)

Electronic AP1 submission via the HMLR Business Gateway API will be introduced in Phase 2. This feature is currently blocked because HMLR has paused new developer onboarding for this API. GLYD cannot guarantee a date for Phase 2 availability. When Phase 2 launches, updated Terms will govern the electronic AP1 submission workflow, and Fee Earner approval requirements will remain in place.

6.4 OS1/OS2 priority searches

The Service retrieves OS1 and OS2 priority search results from HMLR's Information Services API and displays them within the relevant Matter record. The priority period for an official search is 30 business days from the date the search is issued by HMLR. The Customer is responsible for monitoring and acting within this priority period. GLYD's display of search results does not extend the priority period or create any legal priority.

7.1 Dependency on third-party systems

The Service depends on third-party systems and APIs that GLYD does not control. These include, without limitation: HMRC's Stamp Taxes Online XML API; HMLR's Business Gateway and Information Services API; Google Cloud Vertex AI; Fly.io; Vercel; Resend; Stripe and GoCardless; and any integrated case management systems.

7.2 No liability for third-party failures

GLYD is not liable for any failure, delay, error, or downtime caused by or attributable to any Third-Party Service, including but not limited to:

• —HMRC system outages or changes to the Stamp Taxes Online API;
• —HMLR system outages, portal maintenance, or changes to the Business Gateway;
• —Changes to HMRC or HMLR requirements, form versions, or submission formats;
• —Failures by Stripe or GoCardless to process payments;
• —Outages or errors in the AI model infrastructure provided by Google Cloud.

7.3 HMRC and HMLR changes

HMRC and HMLR periodically change their systems, requirements, and form versions. GLYD will use reasonable endeavours to update the Service promptly when such changes are announced, but cannot guarantee that the Service will always be compatible with the latest requirements immediately upon a change taking effect. The Customer must monitor HMRC and HMLR guidance directly and must not rely solely on GLYD to alert it to regulatory changes.

7.4 Status page

GLYD maintains a public status page showing the current operational status of the Service and its key API dependencies. The Customer is encouraged to check this page before raising a support request. The URL will be communicated to Firm Admins upon Account activation.

8.1 Beta Programme — no charge

During the Beta Programme, there is no charge for access to the Service unless GLYD separately notifies the Customer in writing that fees apply. Beta Programme access does not create an entitlement to continued free access after the Beta Programme concludes.

8.2 Per-matter fees

GLYD operates a per-Matter pricing model, where a Matter is the billable unit. The applicable per-Matter fee is not set out in these Terms. GLYD will provide the Customer with a separate written pricing schedule before any fees become payable, and in any event before the Customer's transition from the Beta Programme to general commercial release. Fees are stated exclusive of VAT.

8.3 Billing

Fees are billed per Matter on a monthly basis. A Matter is considered billable from the point at which the Fee Earner approves an Output or the Matter is marked as complete within the Service. Monthly invoices will be issued to the Firm Admin's registered email address.

8.4 Payment methods

Payments are processed via Stripe (credit and debit card) or GoCardless (direct debit). Card details and direct debit mandates are held directly by Stripe and GoCardless respectively and are never stored within GLYD's systems.

8.5 Late payment

If any invoice remains unpaid for more than 14 days after its due date, GLYD may:

• —Suspend the Customer's access to the Service until the outstanding amount is paid; and/or
• —Charge interest on the overdue amount at a rate of 4% per annum above the Bank of England base rate, accruing daily.

GLYD will give the Customer at least 5 Business Days' notice before suspending access for non-payment.

8.6 Price changes

GLYD may change its pricing on not less than 30 days' written notice to the Customer. If the Customer does not accept the new pricing, it may terminate these Terms under clause 14.2 before the new pricing takes effect, without penalty.

9.1 Customer Data ownership

All Customer Data and Matter Data remains the property of the Customer. GLYD acquires no ownership rights in Customer Data or Matter Data by virtue of these Terms or the Customer's use of the Service. GLYD processes Customer Data and Matter Data solely as a data processor on behalf of the Customer, in accordance with the DPA.

9.2 GLYD's right to process Customer Data

The Customer grants GLYD a limited, non-exclusive licence to process Customer Data and Matter Data for the purposes of: providing the Service; maintaining, supporting, and improving the technical infrastructure of the Service; generating Outputs; and complying with legal obligations. This licence does not extend to using Customer Data or Matter Data for AI model training (clause 4.5) or for any purpose not directly connected with the provision of the Service.

9.3 Aggregated Data

The Customer agrees that GLYD may generate and use Aggregated Data derived from Matter Data for the purposes of: improving the Service's pre-flight check rules and requisition probability scoring; producing anonymised benchmarking and analytics; and internal product development. Aggregated Data is stripped of all information that could identify any individual, property, client, matter, or Customer before use. GLYD will never sell or commercially license Aggregated Data to third parties.

9.4 Data Processing Agreement

To the extent that GLYD processes personal data on behalf of the Customer in the course of providing the Service, it does so as a data processor. The DPA (which forms part of these Terms) sets out the basis for such processing. The Customer, as data controller, is responsible for ensuring that it has a lawful basis for providing personal data to GLYD and for complying with its own obligations under UK GDPR and the Data Protection Act 2018.

9.5 Data residency

GLYD processes and stores all Customer Data and Matter Data on infrastructure located in the United Kingdom. GLYD does not transfer Customer Data or Matter Data outside the UK without the Customer's prior written consent, except as required by law.

9.6 Retention and deletion

Matter Data is retained for a minimum of 7 years from the date of matter completion, in accordance with SRA file retention guidance. On Account closure, the Customer has 30 days to export all Matter Data. After that period, data will be permanently deleted subject to any overriding legal retention obligation. Deletion is irreversible.

10.1 Mutual obligation

Each party agrees to keep the other's Confidential Information confidential and not to disclose it to any third party without the other's prior written consent, except as permitted by clause 10.2. Each party agrees to use the other's Confidential Information only for the purposes of performing its obligations or exercising its rights under these Terms.

10.2 Permitted disclosures

A party may disclose Confidential Information:

• —To its employees, officers, sub-contractors, or professional advisors who need to know it for the purposes of these Terms, provided those persons are bound by equivalent confidentiality obligations;
• —To the extent required by law, a court of competent jurisdiction, or a regulatory authority (including the SRA, CLC, HMRC, or HMLR), provided that (where legally permitted) the disclosing party gives the other party as much advance notice as possible.

10.3 Client data

The Customer acknowledges that Matter Data will contain confidential information about the Customer's clients. The Customer is responsible for ensuring that its use of the Service complies with its professional duty of confidentiality to its clients and its obligations under the SRA Code of Conduct 2019 or CLC Code of Conduct (as applicable).

10.4 Survival

This clause 10 shall survive termination of these Terms for a period of 5 years.

11.1 GLYD's IP

GLYD (and its licensors) own all Intellectual Property Rights in the Service, including all software, algorithms, models, interfaces, documentation, trade marks, and any improvements or developments to any of the foregoing. Nothing in these Terms transfers any ownership of GLYD's Intellectual Property Rights to the Customer.

11.2 Licence to the Customer

GLYD grants the Customer a non-exclusive, non-transferable, revocable licence to access and use the Service during the term of these Terms, for the Customer's own internal business purposes and in accordance with these Terms. This licence does not permit the Customer to:

• —Sub-license, resell, or white-label the Service;
• —Copy, modify, or create derivative works based on the Service;
• —Use the Service to build a competing product.

11.3 Customer's IP

The Customer retains all Intellectual Property Rights in Customer Data and Matter Data. The limited licence granted to GLYD in clause 9.2 does not affect this ownership.

11.4 Feedback

If the Customer or any Authorised User provides feedback, suggestions, or ideas about the Service, GLYD may use that feedback freely without any obligation to the Customer. The Customer grants GLYD a perpetual, irrevocable, royalty-free licence to use any such feedback.

12.1 Target availability

GLYD targets 99.5% uptime for the Service (excluding planned maintenance), measured on a monthly calendar basis. This is a target, not a contractual guarantee, during the Beta Programme. Solicitor-reviewed SLAs will be introduced on transition to general commercial release.

12.2 Planned maintenance

Planned maintenance will be scheduled outside Business Day hours (18:00 to 06:00 GMT/BST) wherever possible. GLYD will use reasonable endeavours to give Firm Admins at least 24 hours' notice of planned maintenance via the system status page and email.

12.3 Support

During the Beta Programme, support is provided by email. GLYD will use reasonable endeavours to respond to support queries within 2 Business Days. No contractual SLA for support response times applies during the Beta Programme.

12.4 No warranty of uninterrupted service

GLYD does not warrant that the Service will be available at all times, free from errors or interruptions, or that any Output will be free from defects. The Service is provided 'as is' during the Beta Programme, subject to ongoing development.

13.1 GLYD's liability — exclusions

GLYD is not liable for:

• —Any loss arising from a Submission made by a Fee Earner without adequate review of the relevant Output;
• —Any loss arising from inaccurate, incomplete, or fraudulent documents uploaded by the Customer;
• —Any failure, delay, or error caused by Third-Party Services (including HMRC or HMLR system outages);
• —Any regulatory sanction, fine, or disciplinary action taken against the Customer or any Authorised User by the SRA, CLC, or any other regulatory body;
• —Any loss of profit, loss of business, loss of data (beyond GLYD's obligations under clause 9.6), or consequential, indirect, or special loss of any kind, whether or not foreseeable;
• —Any loss arising from the Customer's failure to comply with SDLT, AP1, or other statutory deadlines;
• —Any loss arising from changes to HMRC or HMLR systems, requirements, or form versions.

13.2 Cap on liability

GLYD's total aggregate liability to the Customer under or in connection with these Terms (whether in contract, tort (including negligence), or otherwise) is limited to the greater of: (a) the total Fees paid by the Customer to GLYD in the 12 months immediately preceding the event giving rise to the claim; or (b) £500.

13.3 Exceptions

Nothing in these Terms limits or excludes GLYD's liability for:

• —Death or personal injury caused by GLYD's negligence;
• —Fraud or fraudulent misrepresentation by GLYD;
• —Any other liability that cannot be excluded or limited by law.

13.4 Customer's indemnity

The Customer shall indemnify and hold harmless GLYD against all claims, losses, costs (including reasonable legal costs), and liabilities arising from:

• —The Customer's or any Authorised User's breach of these Terms;
• —Any Submission made on the basis of an Output that a Fee Earner approved without adequate review;
• —The Customer's breach of any applicable law, including money laundering or fraud legislation;
• —Any claim by a third party (including the Customer's clients) arising from the Customer's use of the Service.

14.1 Term

These Terms commence on the Commencement Date and continue until terminated in accordance with this clause 14.

14.2 Termination by the Customer

The Customer may terminate these Terms at any time by giving GLYD 30 days' written notice. During the Beta Programme, the Customer may terminate with immediate effect by notifying GLYD in writing.

14.3 Termination by GLYD

GLYD may terminate these Terms or suspend the Customer's access to the Service with immediate effect on written notice if:

• —The Customer commits a material breach of these Terms and (where the breach is remediable) fails to remedy it within 14 days of notice from GLYD;
• —The Customer becomes insolvent, enters administration, or ceases to trade;
• —The Customer's SRA or CLC authorisation is revoked or suspended;
• —GLYD reasonably suspects that the Service is being used for fraudulent, unlawful, or money-laundering purposes;
• —GLYD discontinues the Service (with not less than 30 days' notice except in the case of a regulatory or legal requirement to cease immediately).

14.4 Consequences of termination

On termination:

• —The Customer's right to access and use the Service ceases immediately (or at the end of the notice period, as applicable);
• —The Customer has 30 days to export all Matter Data via the data export function;
• —After 30 days, GLYD will permanently delete all Customer Data and Matter Data, subject to any legal retention obligation;
• —Any Fees accrued but unpaid become immediately due and payable;
• —Clauses that by their nature should survive termination (including clauses 4.5, 9, 10, 11, 13, and 17) shall survive.

14.5 Suspension for non-payment

Suspension for non-payment is governed by clause 8.5. Suspension is not termination; the Customer's obligations under these Terms continue during suspension.

15.1 Changes to these Terms

GLYD may update these Terms at any time. GLYD will give Customers not less than 14 days' notice of any material change by email to the Firm Admin's registered address and/or by in-product notification. If the Customer does not accept the updated Terms, it may terminate these Terms during the notice period. Continued use of the Service after the effective date of the updated Terms constitutes acceptance.

15.2 Phase 2 transition

When Phase 2 features (electronic AP1 submission) become available, GLYD will issue updated Terms and pricing. The Customer will be given the opportunity to accept the updated Terms before Phase 2 features are activated on the Account.

15.3 Regulatory changes

If a change in applicable law or regulatory requirement necessitates a change to these Terms or the Service, GLYD may implement that change with less than 14 days' notice if required by the relevant law or regulator. GLYD will use reasonable endeavours to give as much notice as possible.

16.1 Governing law

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) are governed by the law of England and Wales.

16.2 Jurisdiction

The parties irrevocably submit to the exclusive jurisdiction of the courts of England and Wales for the resolution of any dispute arising out of or in connection with these Terms.

16.3 Escalation

Before commencing legal proceedings, the parties agree to attempt to resolve any dispute by good-faith negotiation for a period of not less than 20 Business Days from the date one party notifies the other of the dispute in writing. This clause does not prevent a party from seeking urgent injunctive or other interim relief from a court.

17.1 Entire agreement

These Terms (including the DPA and any schedules) constitute the entire agreement between the parties relating to the Service and supersede all prior agreements, representations, and understandings, whether oral or written, relating to the same subject matter.

17.2 No reliance on representations

Each party acknowledges that it has not relied on any representation, warranty, or assurance (other than those expressly set out in these Terms) in entering into these Terms. Nothing in this clause limits liability for fraudulent misrepresentation.

17.3 Waiver

A failure or delay by a party to exercise any right or remedy under these Terms does not constitute a waiver of that or any other right or remedy.

17.4 Severability

If any provision of these Terms is found to be invalid, unenforceable, or illegal by any court or authority, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.

17.5 Assignment

The Customer may not assign, transfer, or subcontract any of its rights or obligations under these Terms without GLYD's prior written consent. GLYD may assign its rights under these Terms to any successor entity in connection with a merger, acquisition, or sale of all or substantially all of its assets, on not less than 30 days' written notice.

17.6 Third-party rights

A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of their provisions.

17.7 Force majeure

Neither party shall be liable for any failure or delay in performing its obligations under these Terms to the extent that such failure or delay is caused by circumstances beyond its reasonable control, including but not limited to: acts of God; pandemic or epidemic; government or regulatory action; changes to HMRC or HMLR systems or requirements; or failure of internet infrastructure. A party relying on this clause must notify the other party as soon as reasonably practicable.

17.8 Notices

Notices under these Terms must be in writing and delivered by email. Notices to GLYD must be sent to legal@glydapp.co.uk. Notices to the Customer will be sent to the email address registered to the Firm Admin. A notice sent by email is deemed received at the time of transmission, unless the sender receives an automated delivery failure notification.

17.9 Relationship of the parties

GLYD and the Customer are independent contractors. Nothing in these Terms creates a partnership, agency, employment relationship, or joint venture between the parties.

17.10 Anti-bribery and anti-corruption

Each party shall comply with all applicable anti-bribery and anti-corruption laws, including the Bribery Act 2010.

17.11 Beta Programme acknowledgement

The Customer acknowledges that during the Beta Programme:

• —The Service is in active development and may change materially;
• —GLYD provides no service level guarantee;
• —This document has not been reviewed by a solicitor and will be updated before general commercial release.

By accepting these Terms, the Customer confirms that it has read and understood this document in its entirety.