Terms and Conditions

These Terms and Conditions (the “T&C”) regulate the contractual relationship between ZAHNYMOUS LTD (“ZAHNYMOUS”, “we”, “us”, or “our”) and You, as the Purchaser (“you”, “your”, “client”, “user” or “Customer”).

These T&C govern rights and obligations in connection with the use of Services and Products provided by ZAHNYMOUS LTD (“Services and Products”), offered mainly through the Website https:// www.zahnymous.io (the “Website”).

The Privacy Policy and Cookie Policy of ZAHNYMOUS LTD are essential parts of the current T&C.

Meaning of definitions

In these T&C, here are the meanings of the following definitions, which will be constantly used in the text:

Beneficial owner: Any individual that owns or controls 25% or more of the organization, either directly or indirectly.

Brand: An intangible marketing or business concept that helps Customers identify a ZAHNYMOUS or particular Product.

Branding: The process of giving meaning to a specific organization, company, Product, or Service by creating and shaping a brand in consumers' minds. This is just a visual shell and does not carry any legal consequences for ZAHNYMOUS; it is not subject to change in the price or functionality of the Product.

Content: All applications, data, information, multimedia elements such as texts, drawings, graphics, design, icons, images, audio, video samples, and any other content that may form ZAHNYMOUS Website.

Closed-loop gift cards: Cards that buyers can redeem only at the store where they were purchased

Gift voucher: A card, piece of paper, or digital information that can be bought at a shop and entitles the person to exchange it for goods worth the same amount.

Identification: The action or process of ZAHNYMOUS Customer identifying.

Know Your Business (KYB): The process of verifying the identification information provided by a business Partner to ZAHNYMOUS.

Know Your Customer (KYC): The process of verifying a Customer's identification information to ZAHNYMOUS.

Manufacturer (issuer): The legal entity which is the direct manufacturer or issuer of a Product proposed for purchasing on the ZAHNYMOUS platform.

Partners: Legal entities which provide their Products and Services through the ZAHNYMOUS platform according to ZAHNYMOUS infrastructure, in particular those which provide services with selling, manufacturing, and/or issuing of Products and those which give services on exchanging, conversion, transferring, and/or storage of crypto tokens.

Phone top-up: A simple way to send phone credit to mobile phones to call, send messages, or surf the Internet, depending on the phone options.

Products: Closed-loop gift cards, vouchers, phone top-ups, and other ZAHNYMOUS Products proposed on the Website https://www.zahnymous.io.

Purchaser/Client/Customer: The user of our Services and purchaser of Products provided by the ZAHNYMOUS platform on the Website https://www.zahnymous.io

Services: The provision and/or resale of Products on the ZAHNYMOUS platform and other ZAHNYMOUS Services proposed on the Website https://www.zahnymous.io.

User: The user of the Website https://www.zahnymous.io.

Us/We/Our/Company/ZAHNYMOUS: ZAHNYMOUS LTD, a company incorporated in the United States

Utility tokens: The type of tokens that provide consumers with access to a current or prospective Product or Service and often grant rights similar to pre- payment vouchers.

Verification: The action or process of checking and confirming by the ZAHNYMOUS Customer the accuracy, truth, and correctness of personal information provided by a certain ZAHNYMOUS Customer.

Website https://www.zahnymous.io/: The official website of ZAHNYMOUS

About us

ZAHNYMOUS is a brand owned by ZAHNYMOUS LTD, a company registered and established under the laws of the United States. The address is 2121 Capstone Drive, Lexington, KY 40511. “You”, “Purchaser”, “Customer”, or “Client” means a person who agrees to all these T&C. These T&C represent the rules and regulations of the ZAHNYMOUS Website https://www.zahnymous.io. By accessing this Website, you accept and agree to these T&C. In case you do not agree to these T&C, terminate the Website's usage — https://www.zahnymous.io, immediately. Once a customer signs up and/or clicks an “Accept” button on our Website, we understand he/she agrees with the current T&C. Please read these T&C carefully. By agreeing to our T&C, you state you are of age based on jurisdictions laws and regulations. You understand that you will not resell or do anything malicious, unlawful, or may hurt our reputation or pose any threat to us. You are under no obligation to use Services and Products provided by ZAHNYMOUS if you do not agree or understand any portion of these T&C, nor should you use the Services or Products unless you understand and agree to these T&C. ZAHNYMOUS LTD follows the laws of the United States.

Law and jurisdiction

These T&C are governed by and constructed under the laws of the United States. If your country does not recognize the obligations in working under the conditions of the United States, please refrain from using our Services, Products, and Website.

1. Introductory provisions

1.1. These T&C govern your rights and obligations in connection with the use of Services and Products provided by ZAHNYMOUS LTD. 1.2. ZAHNYMOUS is an electronic commerce platform specialized in the resale of closed-loop gift cards, vouchers, and phone top-ups (“Products”) and the provision of its platform for placing Products/Services provided by Partners of ZAHNYMOUS. 1.3. The Services and Products provided by ZAHNYMOUS LTD are only intended for persons over the age of 18. Registering on the Website, the user confirms that he/she is over 18 years of age. Using ZAHNYMOUS Services and buying Products is prohibited for those who are under 18 years of age. If you are under 18, stop using the Website immediately. 1.4. ZAHNYMOUS is an official distributor of its Partners, which is authorized to provide a platform for placing Products/Services of ZAHNYMOUS Partners. 1.5. The good faith of the Partners is a determining condition for a fruitful and lasting partnership with ZAHNYMOUS. 1.6. To get acquainted with the full scope of Products and Services, you can find https:// www.zahnymous.io. Note that the list of Products and Services is not exhaustive and may grow or change over time. 1.7. Quality and timeliness of Products placed on the ZAHNYMOUS Website are regulated by the Terms and Conditions of certain Products and by relations between direct seller or manufacturer (issuer) and Customer. 1.8. The list of Products and Services offered by ZAHNYMOUS directly depends on the Customer's country. Some Products are geographically limited to certain countries, as envisaged by current T&C. 1.9. Purchaser is solely responsible for adherence to specific products' geographical restrictions. Before purchasing, Customers need to read the description of each particular Product owned by a concrete Product manufacturer (issuer) on its Website carefully. 1.10. ZAHNYMOUS guarantees that information in the Product description on the Website complies with the Terms and Conditions of concrete Products on the ZAHNYMOUS Partners` Website. 1.11. With a guide, gift card system, ZAHNYMOUS fundamentals, services, and extras you can get acquainted with the ZAHNYMOUS Whitepaper — https://zah.gitbook.io/ zah/.

2. KYB – Know your Business

2.1. ZAHNYMOUS investigates to verify the identity of entities we plan to do business with. This helps ZAHNYMOUS build a risk-free relationship with other companies. 2.2. In cases where ZAHNYMOUS cannot identify the business, we document and communicate the reasons for such business for our failure to identify them. ZAHNYMOUS do not engage with such business till they are placed. 2.3. Using this approach, we ensure that ZAHNYMOUS does not knowingly conduct business with the following: ● Terrorists & Terrorist Organizations ● Persons involved in Narcotics, Money laundering, or Human Trafficking; ● Anonymous Organizations; Known Shell Companies ● Any Form of Sponsoring Adult Content ● Illegal Pyramid Schemes ● Unlicensed Money Transmitters ● Casino/Gambling Businesses ● Resellers of Any Kind

3. Services and Products

3.1. ZAHNYMOUS must be considered a platform that offers Products of its Partners under the ZAHNYMOUS brand on the ZAHNYMOUS Website https:// www.zahnymous.io. 3.2.ZAHNYMOUS Services provide the possibility of buying closed-loop gift cards, vouchers, and phone top-ups (“Products”) in the most suitable way. Buying Products on ZAHNYMOUS Website Customers can select the denomination per certain Product and the quantity of that type of the Product. 3.3. Services and Products of ZAHNYMOUS become available for Customers. In such a case, a wallet acts as the link to track the Customer`s history, and specific Customers can be identified. Customers, provided in p. 5.1 of the current T&C, should also create a personal account to use the Products and Services of ZAHNYMOUS freely. 3.4. All risks and requirements regarding issuing, selling, and provision of Products fall on ZAHNYMOUS Partners, which have a special allowance to provide such Services or manufacture (issue) or give concrete Products placed and offered on the ZAHNYMOUS website. 3.5. ZAHNYMOUS is not responsible for the quality, characteristics, and capabilities of certain Products provided by its Partners. Liability for quality, characteristics, and capabilities of certain Products lies on manufacturers (issuers) of the Product. ZAHNYMOUS makes every effort to work only with those Partners, which provide high- quality Products. 3.6. ZAHNYMOUS grants the right to request services from Partners. Customers have the right to demand or challenge the quality of Products or Services provided by Partners if such Services or Products have been provided improperly. With all cases, terms, and complaints procedures, read p. 18 of the current T&C. 3.7. Due to this T&C, ZAHNYMOUS must not be considered the creator, designer, issuer, organizer, beneficiary, or manager of Products. Neither has ZAHNYMOUS played any role in deciding the Terms and Conditions applicable to each Product. Therefore, ZAHNYMOUS is not liable for any issue, damage, or loss arising from the Terms and Conditions of each Product. 3.8. After purchasing Products on the ZAHNYMOUS platform and receiving it from Customer, relations between ZAHNYMOUS and the Customer end. Further regulation of ties is carried out by the Terms and Conditions of the ZAHNYMOUS partner, which is the direct seller or manufacturer (issuer) of a particular Product. 3.9. If the Product seller or manufacturer (issuer) unilaterally changes some conditions, then the complaints and pretensions should be against the Product manufacturer (issuer). 3.10. If the Customer disagrees with the seller's or manufacturer's (issuer's) Terms and Conditions — we strongly recommend not to purchase the Product and/or order Services. Suppose the Customer disagrees with specific provisions of the seller's Terms and Conditions, which is discovered after the Purchasing of the Product. In that case, this will not be the basis for any refunds. 3.11. ZAHNYMOUS is responsible for providing the platform, placing Products, and the possibility to order such Products on ZAHNYMOUS Website. ZAHNYMOUS must not be considered a direct seller and/or manufacturer (issuer) of Products presented on the Website https://www.zahnymous.io and acts as an intermediary and platform provider for Product placement by ZAHNYMOUS Partners. ZAHNYMOUS integrates high-quality program software that allows Customers to buy products quickly and reliably. 3.12. ZZAHNYMOUS, in turn, makes an effort to ensure that the Customer receives quality Services provided by ZAHNYMOUS mentioned in this T&C. 3.13. ZAHNYMOUS does not store Customers' funds. Third parties store all Customer funds. 3.14. ZAHNYMOUS makes every possible effort to provide the most convenient range of payment methods for the Customer and simplify the payment process in all imaginable ways. 3.15. Unless expressly agreed in a contract between ZAHNYMOUS and the Customer, Products purchased through ZAHNYMOUS may not be re-sold and shall be redeemed only by the Customer or on the Customer's behalf by someone to whom the Customer has gifted the Product. 3.16. ZAHNYMOUS Services and Products cannot be considered financial services required to have a license or special permission from the regulatory authorities. 3.17. ZAHNYMOUS and its Services and Products shall not be used, in any way, to infringe or circumvent the applicable laws and regulations, and any unlawful behavior is forbidden on ZAHNYMOUS.

4. Use of Services and Products, Website, and other content

4.1.The Website and all Services and Products, their appearance and all applications, data, information, multimedia elements such as texts, drawings, graphics, design, icons, images, audio, and video samples, and any other content that may form the Website, Services, and Products (collectively as the “Content”), are subject to legal protection according to copyright laws and other legal regulations and are the property of ZAHNYMOUS. We grant you limited, non-exclusive, non-transferable, non-assignable, non-passable, and revocable permission to use the Content to use Services and Products for your personal use and following the purpose for which the Services and Products are provided. The Content is not sold or otherwise transferred to you and remains the property of ZAHNYMOUS. 4.2. All trademarks, logos, trade names, and other designations are the property of ZAHNYMOUS, and we do not grant you any authorization to use them. 4.3. Both the Customer and ZAHNYMOUS undertake to act by the principles of fair dealing in the performance of this T&C and in mutual negotiations and, in particular, not to damage the legitimate interests and good reputation of the other party. The Customer and ZAHNYMOUS will resolve any possible disagreements or disputes per these T&C and the applicable law. 4.4. Except for the rights set out in these T&C, we do not grant you any other rights relating to the Services, Products, and other Content. You may only use the Services, Products, and other Content set out in these T&C. 4.5. When accessing the Services, buying Products, and other Content, the following is prohibited:

●4.5.1. to use any tools that may affect the operation of the Website, Services, and Products or may be designed to exploit errors, bugs, or other deficiencies of the Website, Services, and Products; and●4.5.2. to make copies or back-ups of the Website and other Content;●4.5.3. to reverse-engineer, disassemble, decompile or otherwise modify the Website and other Content;●4.5.4. to sell, rent, lend, license, distribute, reproduce, spread, stream, broadcast, or use the Services, Products, or other Content otherwise than as permitted;●4.5.5. to circumvent geographical restrictions or any other technical restrictions;●4.5.6. to use any other tools or means that could cause any damage to ZAHNYMOUS or third parties.●4.5.7. It is the Customers responsibility to provide us with the correct email address to send Products to; if there is a mess-up on the Customers part, we are not responsible. There will be no issuance of funds back, and the diligence measures we take as a project ensure everyone will receive the Product at the email address they were typed in.●4.5.8. If your actions will be connected with any suspect of a fraudulent claim, resell, speculations, money laundering, finance of terrorism, or any unlawful use purposes, we will discontinue your operations on the Website https:// www.zahnymous.io. We are in regards to acting in this nature even under any suspicion with no required proof. This is to ensure that ZAHNYMOUS complies with regulations and provides stringent policies to protect ZAHNYMOUS LTD as an organization. Unlawful use can be described even to the principles that may reach outside these T&C. If the Customer is breaking any law in their jurisdiction, we have the right to terminate any user with no proposed response.

5. Personal accounts

5.1. Customers, which go over the threshold mentioned in p. 11 of the current T&C, should have a personal account on the Website https://www.zahnymous.io to pass the KYC verification process and to unlock all spending limits to use Services and Products of ZAHNYMOUS. 5.2. Registration of a personal account consists of input of personal information: name, surname, email, place of residence, and date of birth and confirming you are 18 years old or more. By registering on the Website, the Customer confirms all information provided is proper, accurate, and up to date. The Customer is solely responsible for the accuracy, validity, and correctness of the information inserted on the platform (including, but not limited to, the email address to which the Product must be delivered and the amount purchased). 5.3. You cannot pass, sell, or deposit your account to another person. This prohibition also includes transferring any assets of any value, including but not limited to ownership of funds, deposits, rights, and/or claims due to these assets, legal, commercial, or otherwise. 5.4. All information that the Customer provides to us must be accurate, complete, and up-to-date. 5.5. After creating a personal account, the Customer is solely responsible for not revealing (intentionally or accidentally) his/her email address and his/her password. If the user has lost or forgotten his/her login data, he/she can recover the account's password on the Website. It is up to the Сustomer to protect any private keys, passwords, or anything tangible of this nature to cover security. The responsibility for a forgotten email, password, private keys, or account remembrance does not fall on ZAHNYMOUS. When agreeing to the T&C, you must understand that the security and diligence fall on the Customers in all applications regarding their own mistakes. 5.6. In case of unauthorized access to the account and/or any other security violation, the user must immediately notify ZAHNYMOUS via email [email protected]. Furthermore, the user agrees to provide all evidence of such unauthorized access upon request. 5.7. If the Customer does not notify the ZAHNYMOUS, under no circumstances are we liable for any damage exposed by the user as a result of abuse of his login data by another person. That is, the loss of access to the user's account or unauthorized access to the personal account by another person is under the user's responsibility only. 5.8. The Account can be closed/deleted at any time; to do so, please get in touch with the ZAHNYMOUS support service via email [email protected]. 5.9. The account is subject to closure or cancellation if the user does fraudulent actions. In addition, the user will be prohibited from opening a new version on our Website and using our Services and Products of ZAHNYMOUS. 5.10. Before closing/deleting the account, the Customer will be notified via email or phone call using the contact information provided.

6. ZAH

6.1. ZAH is a cryptocurrency that operates on the ZAH blockchain. It is used to facilitate transactions and interactions within its native ecosystem. 6.2. ZAH does not meet the definition of e-money and is not subject to regulation under the E-Money Regulations. Similarly, it does not qualify as a Security token under MiFID II regulations. 6.3. ZAH is acquired through various cryptocurrency exchanges and can be stored in compatible wallets that support the ZAH blockchain. Zahnymous LTD is not involved in the issuance, sale, transfer, conversion, or exchange of ZAH. 6.4. ZAH is subject to market volatility, and its price may experience significant fluctuations. Customers should be aware that agreeing to a transaction may result in potential gains or losses due to this volatility, and Zahnymous LTD cannot control or influence the price of ZAH. 6.5. Zahnymous LTD does not have control over the movement or value of ZAH. Customers should understand the inherent risks associated with cryptocurrency investments and transactions, including the possibility of price variations that may necessitate transaction adjustments. 6.6. Individuals holding ZAH can utilize it to purchase products and services on the Zahnymous website. However, possession of ZAH does not exempt users from undergoing Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures as outlined in these terms and conditions. 6.7. ZAH can be utilized for purchasing services and products on the Zahnymous website by customers who hold ZAH in compatible wallets linked to the platform. 6.8. ZAH is not intended for speculative purposes, and Zahnymous LTD endeavors to prevent speculative transactions involving ZAH. 6.9. ZAH can be acquired, exchanged, transferred, or sold on specialized exchange platforms with the necessary permissions. All risks and responsibilities associated with the purchase or sale of ZAH are borne by the entities facilitating such transactions. Zahnymous LTD is not involved in the buying, selling, transferring, or exchanging of ZAH. ZAH can be stored in cryptocurrency wallets and other third-party applications that support ZAH. Any fees incurred during exchange, conversion, or transfer operations are the responsibility of the purchaser. 6.10. Zahnymous and its team are not liable for the acquisition, storage, indirect, special, incidental, consequential, or any other form of loss associated with owning, exchanging, or transferring ZAH. Users acknowledge and understand that Zahnymous does not provide any guarantees regarding the performance of the Zahnymous platform. Users accept that Zahnymous (including its officers and employees) assumes no liability or responsibility for any losses or damages arising from or related to the use of Zahnymous. 6.11. Zahnymous does not engage in currency conversion or exchange activities when purchasing Zahnymous products. This is all done through third-parties and licensed money transmitters and money service businesses. 6.12. All currency conversions and exchanges involving ZAH for the purchase or sale of Zahnymous products on the Zahnymous website are conducted by third-party entities. Zahnymous bears no rights or obligations concerning the conversion and exchange of funds by third parties, including ZAH. 6.13. ZAH undergoes conversion processes during transactions for purchasing Zahnymous products on its website, facilitated by third parties with legal authorization for such exchanges.

7. Personal Identification

7.1. By agreeing to these Terms and Conditions, users grant Zahnymous the right to conduct reviews, identification, and verification at its discretion. Additionally, if necessary, Zahnymous may conduct reviews, identification, and verification of user data, contact details, and age from third parties to confirm their identity. 7.2. Upon successful registration on the Zahnymous website and providing correct, accurate, and up-to-date information, customers gain access to its services and products. 7.3. Providing false, misleading, inaccurate, or incomplete information constitutes a violation of Zahnymous' Terms and Conditions. In such cases, Zahnymous reserves the right to immediately close, block, or remove the user's account and refuse to provide services and products. 7.4. Customers are obligated to adhere to the general methods, procedures, and rules for using internet services and products.

8. Customer Responsibility

8.1. Customers are responsible for paying all fees for services and products owed to Zahnymous. They agree not to make chargebacks or refuse or cancel any payments made for provided services and products. Customers will indemnify Zahnymous for any losses incurred due to chargebacks, denials, or cancellations of payments. 8.2. Customers bear full liability for any mistakes, losses, or damages arising from providing incorrect, inaccurate, or fake information and engaging in activities that violate applicable laws, regulations, contractual terms, or agreements. 8.3. When purchasing products, customers are solely responsible for the accuracy and correctness of the information provided on the platform. 8.4. Customers are responsible for maintaining the confidentiality of their password and account and any activities and transactions under their account. Each customer must have unique login credentials that multiple customers may not share. 8.5. Zahnymous is not liable to any person for any loss or damage that may arise from any failure by the customer to protect their password or account. If unauthorized access to an account is suspected, customers must contact Zahnymous support via email at [email protected].

9. Restrictions

9.1. Zahnymous allows registration and user status only to individuals from countries and territories where the use of the website is permitted. A list of restricted countries can be found in section 10.7 of these Terms and Conditions. 9.2. To combat anti-money laundering (AML) and counter the financing of terrorism (CFT), Zahnymous blocks countries listed in CFT from accessing the website. Accounts may be restricted from use daily if they exceed certain thresholds and may require Know Your Customer (KYC) verification, as per section 11 of these Terms and Conditions. 9.3. Customers encountering access issues unrelated to AML/CFT measures are advised to contact customer support at [email protected].

10. AML and CFT Procedures

10.1. Zahnymous is committed to compliance with AML and CFT rules and undertakes appropriate measures to prevent money laundering and terrorism financing activities on its website. 10.2. These Terms and Conditions do not permit and actively prevent money laundering or any activities that contribute to it or the financing of terrorism or other criminal activities. 10.3. Zahnymous adheres to AML and CFT requirements per applicable laws, aiming for the highest standards of international law. 10.4. Key elements of Zahnymous' AML and CFT guidelines include customer due diligence, risk assessment, ongoing monitoring, record-keeping, and communication with responsible authorities. 10.5. Zahnymous maintains the principle that everyday crypto spending is not money laundering. 10.6. Zahnymous does not support state-sponsored terrorism and blocks access to its services and products from countries associated with such activities. 10.7. The countries restricted from accessing the Zahnymous website due to state-sponsored terrorism concerns include North Korea, Cuba, Iran, Syria, Afghanistan, Iraq, Libya, Yemen, Sudan, and Somalia. Zahnymous reserves the right to add or remove countries from this list based on criteria related to state-sponsored terrorism.

11. KYC Procedures

11.1. As a registered company under the laws of United States, Zahnymous conducts KYC verification for customers whose transactions exceed a threshold of $10,000 USD or its equivalent. 11.2. Zahnymous imposes a daily limit for users' protection. Monitoring to ensure AML laws do not become violated. 11.3. Zahnymous is not responsible for customers exceeding jurisdictional thresholds and will diligently require KYC verification for customers exceeding $10,000 USD. 11.4. KYC checks include providing a passport or other identifying document, proof of residence, and documentation demonstrating the source of funds. 11.5. Large customers may enjoy additional features without threshold limitations but must undergo KYC verification. 11.6. Third parties may conduct KYC checks on Zahnymous customers, and the scope of required documents may vary according to third-party terms and conditions. 11.7. Zahnymous is responsible for conducting KYC checks on its customers either independently or through third parties.

12. Refund and Cancellation Policy

12.1. Products can be canceled, and a full refund must be issued in the following cases:

●The product sold to the customer differs from the one ordered.●The manufacturer (issuer) of the product does not comply with the terms and conditions. 12.2. Zahnymous operates on an intermediary model, where the purchaser pays the platform fee directly to the product manufacturer (issuer). 12.3. If an order is pending and subsequently canceled due to product unavailability or a customer request, funds will be refunded promptly.

13. Personal Data Protection and Privacy

13.1. Zahnymous prioritizes the privacy and protection of customer data. 13.2. Customers must review and agree to the Privacy Policy before using Zahnymous services. Failure to agree to the policy prohibits the use of Zahnymous.

14. Cookies and User Data

14.1. Zahnymous uses cookies on its website to enhance user experience and gather information about user visits. 14.2. Cookies are used to improve website performance and deliver relevant content based on user interests. 14.3. Any processing of user data through cookies is carried out in compliance with applicable data protection laws.

15. Disclaimer of Warranty

15.1. Zahnymous provides services, products, and content "as is," and their use is at the customer's own risk.

16. Force Majeure

16.1. Zahnymous disclaims responsibility for failure or delay in fulfilling obligations due to events beyond its control, such as natural disasters, wars, or industrial disputes.

17. Changes to the Terms and Conditions

17.1. Zahnymous reserves the right to amend these Terms and Conditions at its discretion, with changes becoming effective immediately upon publication on the website.

18. Complaints

18.1. Customers have the right to lodge complaints regarding improper product or service provision, poor quality, refusal to provide, or other issues as outlined in these Terms and Conditions. 18.2. Zahnymous endeavors to address and resolve complaints promptly, with a response provided within five working days. 18.3. Customers may contact Zahnymous support via email at [email protected] to file complaints. 18.4. All complaints are handled by dedicated managers, ensuring efficient and timely resolution based on their nature and urgency.