Terms of Use – D EMPREENDIMENTOS

1. Introduction

These Terms of Use govern the general conditions for use of the services provided by D EMPREENDIMENTOS, a company specialized in the management, administration and collection of micro‑credit operations, whose main objective is to provide efficient and transparent financial solutions for its users.

Through the technological platform made available by D EMPREENDIMENTOS, previously registered users may carry out and monitor operations related to micro‑credit, including requesting, managing, following up on collections and negotiating existing debts. D EMPREENDIMENTOS acts mainly as a facilitator in the management and collection of these credits and may also, under internal assessment and specific criteria, facilitate or intermediate financial solutions for registered users.

Express acceptance of these Terms of Use is a mandatory requirement for access to and use of the platform and its respective services. By agreeing to these terms, the user acknowledges that they have read, understood and fully accepted all the conditions described herein, as well as the legal implications stemming from such acceptance.

D EMPREENDIMENTOS reserves the right to change or modify these Terms of Use, and will notify registered users of such changes by e‑mail at least one (1) business day in advance. Continued use of the services after such notice implies the user's express and full agreement with the new provisions.

The user should read all the clauses herein carefully, as acceptance entails full commitment to and compliance with the procedures, internal policies, obligations and responsibilities detailed throughout this document.

2. Acceptance of the Terms

2.1 Mandatory Consent

When registering on the D EMPREENDIMENTOS platform, the User must expressly declare that they have read, understood and fully agree with these Terms of Use, by checking the (opt‑in) option "I have read and agree with the Terms of Use."

User consent to these Terms is an essential and indispensable condition for use of the services offered by D EMPREENDIMENTOS.

2.2 Implications of Acceptance

By expressly accepting these Terms of Use, the User acknowledges and agrees that they:

• Fully understood the clauses set out herein;
• Accept all conditions regarding the rights, duties, obligations and responsibilities established by D EMPREENDIMENTOS;
• Are aware that any breach may entail the consequences provided for in these Terms, including but not limited to cancellation or suspension of access to the platform and related services;
• Authorize D EMPREENDIMENTOS to carry out internal validation procedures and financial analysis in accordance with its internal policies.

Failure to accept these Terms automatically prevents use of the services provided by D EMPREENDIMENTOS. The consent given will be considered valid and effective from the moment the User confirms the opt‑in.

3. Registration and Eligibility

3.1 Minimum Mandatory Requirements

To use the services of D EMPREENDIMENTOS, the User must obligatorily provide the following information and documents during the registration process:

• Valid CPF (Brazilian taxpayer number): The user must present an active CPF before the Brazilian Federal Revenue, regardless of financial or credit restrictions.
• Official Photo ID: Valid document in Brazil, accepted as RG, CNH, Professional Card or Passport (front and back). Images must be clear, legible and free of erasures.
• Recent Proof of Address: Document proving residence issued within the last 90 days (e.g., water, electricity, landline or mobile phone bill, current lease agreement or equivalent).
• Selfie for Identity Verification: A selfie of the User holding their official ID next to their face will be required to ensure authenticity and prevent fraud.

3.2 Minimum Conditions for Approval

Registration approval is subject to internal analysis by D EMPREENDIMENTOS, which may include, among other factors, a brief financial check such as generic credit verification and score, based on proprietary and confidential criteria.

The User understands and agrees that submission of documents and information does not automatically guarantee approval of the registration or subsequent access to the services offered by D EMPREENDIMENTOS. The company reserves the right, according to its internal policies, to reject registrations or request additional information at any time.

4. User Responsibilities and Obligations

4.1 Truthfulness and Accuracy of Information

The User declares and guarantees that all information provided during registration, as well as that provided while using the services of D EMPREENDIMENTOS, is true, complete, accurate and up‑to‑date. Providing false, incomplete or inaccurate data may result, at D EMPREENDIMENTOS' sole discretion, in immediate suspension or termination of the User's account, without prejudice to applicable legal measures.

4.2 Mandatory Profile Updates

It is the User's sole responsibility to keep their registration data up to date with D EMPREENDIMENTOS, including but not limited to contact information, address, documentation status and bank details.

Failure or delay in updating information may adversely affect the User's experience. D EMPREENDIMENTOS will not be liable for undelivered communications, ignored notices or contractual management failures caused by outdated data.

4.3 Commitment to Financial Obligations

The User irrevocably and irreversibly undertakes to fully comply with payments and other financial obligations contracted within the deadlines and conditions agreed at the time of any operation intermediated, monitored or administered by D EMPREENDIMENTOS.

Any delays, defaults or attempts to evade financial responsibility will be handled according to the collection procedures described in these Terms and the company's internal policies.

4.4 Proper and Responsible Use of the Platform

The User agrees to use the D EMPREENDIMENTOS platform ethically, securely and in accordance with current legislation. The platform may not be used for illegal, fraudulent, abusive purposes or otherwise inconsistent with its intended use.

Any attempt to manipulate the system, falsify data, use third parties to circumvent validations or compromise the platform's integrity constitutes a serious violation of these Terms.

4.5 Confidentiality and Security of Access Credentials

Safekeeping, secrecy and proper use of access credentials (login and password) are the User's sole and exclusive responsibility. D EMPREENDIMENTOS is not responsible for unauthorized access due to negligence, shared credentials or misuse by third parties.

Periodic password changes and secure devices are recommended.

4.6 Responsibility for Acts of Third Parties

The User is fully responsible for any misuse carried out by third parties with access to their account, even without their express consent, if resulting from negligence or carelessness in storing their credentials.

4.7 Consequences of Non‑Compliance

Failure to comply with any of the obligations herein may result in suspension or cancellation of the User's account, without prejudice to the collection of outstanding debts and the adoption of judicial or extrajudicial measures, at the sole discretion of D EMPREENDIMENTOS.

5. Responsibility of D EMPREENDIMENTOS

5.1 Scope of the Platform

D EMPREENDIMENTOS provides a technological platform for the management, monitoring and collection of micro‑credits. The system allows users to view active operations, negotiate debts, receive due date notifications and interact with the support team.

In specific cases, under internal criteria, D EMPREENDIMENTOS may intermediate or facilitate financial solutions, without guaranteeing credit approval or promising financial results to the User.

5.2 Disclaimer for Technical Failures

D EMPREENDIMENTOS will make its best efforts to ensure the platform functions properly; however, it is not responsible for temporary interruptions, access failures, connection instability, occasional bugs or any system unavailability arising from external factors such as network problems, third‑party maintenance or force majeure.

5.3 Operational and System Errors

The company undertakes to correct operational or system errors as soon as it becomes aware of them but disclaims liability for any losses, damages or lost profits resulting from such errors, except where exclusive fault of D EMPREENDIMENTOS is proven and the loss is direct and quantifiable.

5.4 Undue Charges or Financial Inconsistencies

If the User identifies any discrepancies in amounts posted or charged, they must immediately notify D EMPREENDIMENTOS through official support channels.

D EMPREENDIMENTOS undertakes to technically evaluate the dispute and, if justified, correct the undue charge, remove incorrect amounts or issue refunds if applicable. Claims not formalized within 30 (thirty) days of the occurrence may be disregarded.

5.5 Exclusion of Liability for Third‑Party Actions

D EMPREENDIMENTOS is not liable for damages arising from actions of third parties, such as:

• fraud committed by individuals who gained access to the User's credentials;
• misuse of the system by the User or their representatives;
• failures in external financial services, such as banks and payment processors involved in installment receipt.

5.6 Unavailability of Functions or Features

D EMPREENDIMENTOS may, at any time, suspend or modify platform functionalities, provided such changes do not affect active contracts.

New features, fixes or improvements may be implemented without prior notice, unless they directly impact existing contractual clauses.

5.7 Limitation of Liability

D EMPREENDIMENTOS' liability for any direct damages arising from platform use is limited to the total amount actually paid by the User to D EMPREENDIMENTOS in the six (6) months preceding the event, except in cases of proven intent or fault.

Under no circumstances will D EMPREENDIMENTOS be liable for indirect damages, lost profits, loss of opportunity, moral or punitive damages.

6. Financial Conditions and Payment

6.1 Composition of Amounts Due

Use of the D EMPREENDIMENTOS platform and adhesion to any financial services related to micro‑credit management and collection may involve payment of amounts comprising:

• principal amounts of obligations assumed by the User;
• interest, calculated proportionally to the term and amount contracted, in accordance with parameters agreed with the User at the time of contracting;
• additional and operational charges, including administrative fees, issuance, maintenance and/or renegotiation fees, whenever applicable.

6.2 Payment Methods

Payments may be made via bank slips (boletos), Pix, authorized debit or another electronic means made available by the platform.

Failure to pay by the due date may result in contractual and operational consequences as outlined below.

6.3 Interest, Penalties and Adjustments for Late Payment

In the event of partial or total default, the outstanding amount will incur:

• a penalty of up to 2% (two percent);
• late interest of 1% (one percent) per month, calculated pro rata die;
• monetary adjustment based on the legal index in effect.

These charges seek to compensate default and preserve the platform's operational sustainability.

6.4 Debt Renegotiation

The User may, at D EMPREENDIMENTOS' sole discretion, request renegotiation of outstanding amounts.

Approval of renegotiation is subject to individual analysis of the contractual situation, payment behavior and D EMPREENDIMENTOS' internal risk criteria.

Renegotiation may include:

• extension of payment term;
• application of a new plan with specific conditions;
• alternative agreements, including collateral, asset transfer or formal restructuring.

D EMPREENDIMENTOS reserves the right to refuse renegotiations deemed excessively risky or unfeasible.

6.5 Non‑Payment and Contractual Repercussions

Non‑payment of contracted amounts for any reason may result in:

• blocking the User's access to the platform;
• inclusion of the debt in extrajudicial or judicial collection processes;
• possible reporting to credit bureaus, as permitted by law and with prior notice.

6.6 No Guarantee of Credit Approval

Submitting registration information and using D EMPREENDIMENTOS' services do not constitute a guarantee of credit approval under any circumstances, even after an initial contract.

Approval of amounts and conditions is always subject to internal and individual assessment based on technical, operational and risk criteria defined exclusively by D EMPREENDIMENTOS.

6.7 Responsibility for Payment Verification

The User is solely responsible for verifying compliance with their financial obligations, including:

• checking amounts;
• due dates;
• payment confirmation through official channels.

D EMPREENDIMENTOS is not liable for payment failures conducted by third parties, typing errors or problems in the banking systems used by the User.

6.8 No Automatic Refunds

Except in cases of duly proven undue charges, D EMPREENDIMENTOS will not issue automatic refunds.

7. Service Cancellation or Suspension

7.1 User's Right to Cancel

The User may request account cancellation and discontinuation of D EMPREENDIMENTOS services at any time, provided that:

• no outstanding financial debts or contractual commitments are pending with D EMPREENDIMENTOS;
• the request is sent by formal e‑mail to contato@midassolucoes.com.br;
• proper account holder identification is provided, along with an express and unequivocal statement of intent to terminate the contractual relationship.

The account will be effectively canceled within a maximum of ten (10) business days after the above requirements are met.

7.2 Suspension or Cancellation by D EMPREENDIMENTOS

D EMPREENDIMENTOS may, at its sole discretion and without prior notice, suspend, limit or cancel the User's access to the platform and contracted services in the following cases:

• a) Default: Delay in payment of any amount due, whether installment, fee, charge, penalty, renegotiation or other contracted financial obligation.
• b) High Operational Risk: Detection through internal analysis of atypical behavior that compromises operational stability, company reputation or represents significant risk of default, fraud or regulatory conflict.
• c) Regulatory Non‑Compliance: User deemed non‑compliant with minimum compliance requirements (e.g., AML/CTF, international sanctions) or involved in investigations contrary to D EMPREENDIMENTOS' integrity policy.
• d) Violation of the Terms of Use: Any breach, even partial, of the clauses herein, including providing false information, attempting to manipulate the platform or sharing credentials.
• e) Fraud or Misuse: Evidence, even in preliminary investigation, of fraudulent use, deviation of purpose or attempts to circumvent D EMPREENDIMENTOS' internal security systems.
• f) Legal or Administrative Requirement: Court order, regulator, police or administrative authority requiring suspension or termination of the account or access to D EMPREENDIMENTOS services.

7.3 Consequences of Suspension or Cancellation

In such cases, D EMPREENDIMENTOS reserves the right to:

• temporarily block the User's access to the system and associated resources;
• maintain collection of outstanding amounts with applicable late fees;
• report the situation to credit bureaus, if applicable and permitted by law;
• retain, for audit and legal compliance, all account data, records and history for the minimum period required by law.

7.4 Cancellation of Inactive or Abandoned Accounts

D EMPREENDIMENTOS may, for operational convenience and with 30 (thirty) days' prior notice, cancel inactive accounts, i.e., those that:

• have had no activity or interactions in the last 12 months;
• have no outstanding debts;
• are not under review or legal/administrative dispute.

The User may reactivate registration via a new verification process, at D EMPREENDIMENTOS' discretion.

7.5 Irreversibility in Serious Cases

Accounts suspended or terminated due to fraud, serious breach or proven intent cannot be reactivated, even if debts are later settled.

D EMPREENDIMENTOS reserves the right to reject any new registration attempts linked to CPF, CNPJ, e‑mail, phone number or IP address previously associated with such irregularities.

7.6 Post‑Closure Obligations

Even after account closure, the User remains obliged to:

• settle any outstanding amounts;
• comply with legal or contractual obligations assumed while using the platform;
• respect intellectual property rights and trade secrets applicable to information and resources accessed during platform use.

8. Misuse, Fraud and Penalties

8.1 Prohibited Conduct

Users are expressly forbidden from using the platform or any service offered by D EMPREENDIMENTOS for illicit, fraudulent purposes or contrary to the ethical, operational and regulatory principles established herein or in applicable laws. Prohibited conduct includes, but is not limited to:

• Entering false, inaccurate or manipulated information during registration or while using the platform;
• Attempting unauthorized access to data, accounts or internal systems of D EMPREENDIMENTOS;
• Using the account for transactions incompatible with the declared profile or with amounts raising suspicion of misuse;
• Simulating identity, using forged, expired or altered documents;
• Sharing access credentials with third parties, intentionally or negligently, without proper control.

8.2 Monitoring and Risk Prevention

D EMPREENDIMENTOS employs systematic and continuous monitoring mechanisms for all transactional activity on its platform. These mechanisms include, but are not limited to:

• Detailed LOG records of all user interactions with the system;
• Automated and periodic analysis of atypical behavior, such as excessive amounts, simultaneous access and unusual profile variations;
• Internal permission management and traceability for all administrative and operational actions;
• Anti‑fraud intelligence based on proprietary criteria and internal risk models.

8.3 Classification of High‑Risk Users

D EMPREENDIMENTOS reserves the right to internally classify users with high operational or reputational risk, including but not limited to:

• Repeated history of default;
• Links to suspicious operations outside the usual micro‑credit profile;
• Evidence of attempts to bypass or manipulate the platform.

At D EMPREENDIMENTOS' sole discretion, measures may include: temporary suspension; internal marking as "blocked client"; permanent ban on new contracts; or user notification through registered contact details.

8.4 Applicable Penalties

Depending on the severity or recurrence of misconduct, D EMPREENDIMENTOS may apply, separately or cumulatively, the following penalties:

• Formal written warning;
• Temporary account suspension until issues are resolved;
• Permanent account cancellation and platform access block;
• Permanent disqualification for any new registration linked to CPF/CNPJ, e‑mail or IP used;
• Reporting to competent authorities, including COAF or police, if criminal conduct is identified.

8.5 Civil, Administrative and Criminal Liability

The User acknowledges that any fraudulent conduct or breach of these Terms may entail:

• Civil liability, including judicial collection of amounts due, compensation for operational losses and lost profits;
• Administrative liability, if regulatory norms are violated;
• Criminal liability, under Brazilian penal law, especially crimes under the Penal Code (Arts. 171, 298, 299, etc.) and Law 9.613/98 (Money Laundering).

8.6 Cooperation with Authorities

D EMPREENDIMENTOS undertakes to cooperate with official investigations, providing relevant user data and records upon request, in compliance with the LGPD and other applicable regulations.

9. Communication and User Support

9.1 Official Support Channels

D EMPREENDIMENTOS offers various support channels to ensure transparency, continuous assistance and swift resolution of questions, requests or complaints. Official channels include:

• Internal Support Panel: authenticated area within the platform with interaction history, ticket opening and direct contact with the responsible operator;
• Ombudsman E‑mail: ouvidoria@midassolucoes.com.br – for formal matters, escalated demands or critical feedback;
• Official Phone Channel: phone number displayed in the system interface or during onboarding;
• Integrated Chat: available in the logged‑in area for immediate support during business hours.

9.2 Support Hours and Response Times

Support hours are Monday to Friday, 9 a.m.‑6 p.m. (Brasília time), except national holidays.

D EMPREENDIMENTOS undertakes to:

9.3 Validity of Communications

Communications through the channels above, especially e‑mail, will be considered valid and effective for all legal purposes when sent to the User's registered e‑mail address or originating from it.

The User is solely responsible for keeping their contact details up to date and monitoring them. D EMPREENDIMENTOS is not liable for undelivered messages due to inactive mailboxes, spam filters, lack of access or negligence.

9.4 Institutional and Contractual Communications

D EMPREENDIMENTOS may send institutional, operational or contractual communications via:

• Automated or manual e‑mails;
• Notices in the User's logged‑in area;
• Push notifications (if accessed through a future app);
• Phone calls, when necessary, for clarification, profile update, renegotiation or reinforcement of information about outstanding debts.

The User acknowledges that such communications are part of the contractual relationship with D EMPREENDIMENTOS and are not promotional unless specific consent for marketing is provided.

10. Privacy and Data Protection

10.1 Commitment to Privacy

D EMPREENDIMENTOS is committed to the full protection of personal data provided by its Users, observing the principles of Brazilian General Data Protection Law (LGPD – Law 13.709/2018) and best information‑security practices outlined in its Internal Security Policy (ISP).

Data collection, storage, processing, use, sharing and disposal follow the principles of purpose, adequacy, necessity, security, prevention, transparency, non‑discrimination and accountability.

10.2 Types of Data Collected

During registration and use of the platform, D EMPREENDIMENTOS may collect:

• Registration data: full name, CPF, address, e‑mail, phone, selfie and ID documents;
• Financial data: bank information for payments or receipts, historical transactions and data related to operations managed on the platform;
• Navigation data: cookies, access logs, IP address, geolocation and device used;
• Other information necessary to provide services in accordance with the applicable legal basis.

10.3 Purpose of Processing

Collected data is used exclusively for:

• Secure user identification and authentication;
• Assessing eligibility and risks related to credit operations or collection;
• Preventing fraud, money laundering and terrorism financing;
• Complying with legal, regulatory and contractual obligations;
• Ensuring execution and continuous improvement of services provided by D EMPREENDIMENTOS;
• Responding to user requests or complaints.

10.4 Data Sharing

D EMPREENDIMENTOS does not sell, rent or disclose personal data to third parties for commercial purposes. Data sharing may occur exclusively with:

• Partners contracted to operate the platform under confidentiality agreements;
• Regulatory, judicial or government authorities when required by law or court order;
• Companies providing risk analysis, identity verification or information‑security services, within purpose limits.

10.5 Data Storage and Security

Data is stored on secure servers with restricted access, encryption, automatic backups and other technological measures in line with ISO/IEC 27001, NIST and industry best practices.

All platform activity is logged for auditing, fraud prevention and traceability. Data is retained for as long as necessary to fulfill legal, contractual or regulatory obligations.

10.6 Data Subject Rights

The User may at any time exercise their LGPD rights, including:

• Confirmation of data processing;
• Access, correction or deletion of personal data;
• Anonymization, blocking or deletion of unnecessary or excessive data;
• Withdrawal of consent and objection to processing, where applicable;
• Data portability to another entity, if technically feasible.

Requests should be sent to contato@midassolucoes.com.br and will be answered within statutory deadlines.

10.7 Reference to Privacy Policy

D EMPREENDIMENTOS will publish a detailed Privacy Policy on its website, outlining data‑processing practices. This document complements these Terms of Use.

11. Changes to the Terms of Use

11.1 Updates and Revisions

D EMPREENDIMENTOS reserves the right to change, modify, add or remove provisions of these Terms of Use at any time for technical, commercial, legal or operational reasons.

Changes are made to comply with legal norms, update platform features or revise internal policies.

11.2 Communication to Users

Relevant modifications will be communicated in advance via the registered e‑mail or direct platform notification at least one (1) business day before the new provisions take effect.

11.3 Tacit Acceptance

If the User continues to use the platform after the notice period, acceptance of the new terms is presumed. If the User disagrees, they must:

• Send a formal account closure request to contato@midassolucoes.com.br;
• Settle any outstanding financial obligations with D EMPREENDIMENTOS before requesting closure.

11.4 Current Version

The most up‑to‑date version of these Terms of Use will always be available on D EMPREENDIMENTOS' official website or within the platform. Users are responsible for periodically reviewing it.

11.5 Version History

D EMPREENDIMENTOS will keep a historical record of previous versions of the Terms, available upon request, ensuring transparency in contractual relationships.

12. Intellectual Property

12.1 Ownership of Rights

All intellectual property rights related to D EMPREENDIMENTOS—including but not limited to logos, branding, platform layout, system features, source code, text content, graphics, images, videos, audio files, databases, manuals, algorithms, know‑how, institutional documents and any other intellectual creations developed or made available by D EMPREENDIMENTOS—are and will remain the company's exclusive property, protected by Brazilian intellectual property and copyright laws.

12.2 User Prohibitions

The User is expressly prohibited from:

• Copying, reproducing, modifying, adapting, distributing, transmitting, displaying, sublicensing, publishing, assigning, translating, decompiling, reverse engineering or commercially exploiting any D EMPREENDIMENTOS intellectual‑property asset, in whole or in part, without prior written authorization;
• Using D EMPREENDIMENTOS' brand or any identifying element to represent, imply association with, or perform any activity on behalf of the company;
• Registering domains, apps, platforms or any digital or physical artifact with identical or similar terms to those used by D EMPREENDIMENTOS in order to confuse or unfairly benefit from the company's image or reputation.

12.3 Limited, Non‑Transferable License

Access to the platform and its services grants the User a limited, personal, non‑exclusive, non‑transferable and revocable license to use it solely for legitimate purposes in accordance with these Terms of Use.

12.4 Violations and Sanctions

Violation, attempted violation or collusion in infringing D EMPREENDIMENTOS' intellectual property constitutes a serious contractual breach and may result in:

• Immediate suspension of the User's platform access;
• Civil and/or criminal legal measures;
• Full compensation for losses, lost profits and reputational damage.

12.5 Additional Legal Protection

D EMPREENDIMENTOS reserves the right to formally register and protect all its intellectual property assets nationally and internationally with relevant bodies such as INPI and other regulatory entities.

13. General Provisions

13.1 Entire Agreement

These Terms of Use constitute the entire agreement between D EMPREENDIMENTOS and the User regarding use of the platform, replacing any prior understandings, communications, proposals or agreements, oral or written, related to the subject matter.

13.2 Interpretation of Clauses

Any tolerance of non‑compliance with these Terms by D EMPREENDIMENTOS does not constitute waiver or alteration and does not prevent the company from enforcing full compliance at any time.

13.3 Severability

If any provision of these Terms is deemed invalid, illegal or unenforceable by a competent authority, such invalidity will not affect the remaining clauses, which will remain fully valid and enforceable.

13.4 Nature of Legal Relationship

User registration and platform use do not create any partnership, association, employment, cooperative or representation relationship with D EMPREENDIMENTOS. It is a service relationship governed by applicable sector regulations.

13.5 Contact Updates and Official Communication

The User is responsible for keeping contact data (e‑mail and phone) updated in D EMPREENDIMENTOS' system. Any official communication, including notifications, announcements and contractual changes, will be considered valid when sent to the registered e‑mail.

13.6 Temporary System Unavailability

D EMPREENDIMENTOS may suspend platform access for maintenance, updates or technical adjustments. The company will endeavor to notify users in advance and restore services as soon as possible.

13.7 Reserved Rights

All rights not expressly granted to the User herein are reserved to D EMPREENDIMENTOS. No right shall be presumed by omission or broad interpretation.

14. Governing Law and Jurisdiction

14.1 Governing Law

These Terms of Use are governed exclusively by the laws of the Federative Republic of Brazil, especially civil, consumer and data‑protection laws (LGPD – Law 13.709/18) and other regulations applicable to financial‑services and collection activities.

14.2 Competent Forum

The parties elect, irrevocably and irrevocably, the courts of São Luís – Maranhão, to the exclusion of any other, however privileged, to settle any disputes arising from these Terms or the relationship between the User and D EMPREENDIMENTOS.

14.3 Waiver of Incompatible Claims

By accepting these Terms, the User expressly waives any attempt to shift jurisdiction to another venue or to use legal measures incompatible with the procedures herein and applicable legislation.