1. Introduction and formation
1.1 Welcome to HomePlanner, operated by Willow Park Ventures Pty Ltd (ABN 69 672 686 985) (HomePlanner, we, us or our), where our mission is to demystify the home buying journey.
1.2 HomePlanner does not provide financial advice. The information we present you with is factual information and is based on data and information that has been linked and/or added to your Account. While we present this information in a way which is intended to provide you with useful insights, we do not provide you with any opinion or recommendation about your financial affairs and the information we provide is general information.
1.3 HomePlannerʼs current products and services include a property buying assistance service which includes strategic purchase planning, advanced calculators, factual information and general financial advice, education, project management support and services introductions. These can be accessed via https://www.homeplanner.io/ (our website). These collectively are referred to as our Products.
1.4 These product terms of use (Terms of Use) govern your use of, and/or access to the Products.
1.5 To access and use our Products, you will need to create an account (your account). Within your Account, you can interact with the Products. When you create your Account, you will be required to accept these Terms of Use. When you click ‘I accept’ or similar, an agreement is formed between you and HomePlanner consisting of these Terms of Use and any commercial details agreed with you at the point of purchase, such as your fees and payment obligations (agreement).
1.6 While our Products connect with several third-party institutions and product providers, they do not connect with all institutions and products available in the market and the institutions and products that they do connect with are subject to change, and such change is outside of HomePlanner’s control. It is your responsibility to ensure that our Products are suitable for your use and your personal circumstances, including for use in respect of the institutions and product providers with whom you interact.
2. Special Introductory Offer
2.1 To incentivise early sign up to our product to to build a community, we are offering our first 1,000 subscribers the opportunity to earn 100% of the referral revenues that we earn from our Partners in relation to that individual user’s use of services. We outline here the terms of this introductory offer
2.2 The referral revenues are limited to the revenues we earn from our referral partners in relation to your use of their services, and are subject to change over time. See Referral Parters section below where we outline our Referral Partners and the revenues we earn from each of them.
2.3 By default, all partner referral revenues will be shared 50%/50% between Homeplanner and you, our customer. As we do not charge our end customers, this is Homeplanner’s primary source of revenue and funds will be used to continue to build the best product to support home buyers on their journey.
2.4 There will be a number of ways for you to earn additional % of this referral revenue, including but not limited to:
- Refer 5 Customers to Sign up and Create Account - 5%
- Give in-App Feedback on App once it launches - 5%
- Complete in-App survey - 5%
- Book a 30 Min Discover Session - 10%
- Feature in User Story on Socials- 10%
Promoting HomePlanner via Social Media - 5%
As each of these channels for you to earn extra $ are released via the website or the application, they will be accompanied with additional guidance on how to ensure you get rewarded for your support.
2.5 Users can earn no more than 100% of the revenue that we earn for referring users to our Partners.
2.6 Currently our referral revenues are earned after time of settlement of a loan or after payment for use of Partner services. Therefore, these funds will only be shared to you if you eventually use these services on your home buying journey. Of course, we are more than happy for you to test out our product, provide feedback, share with friends and support us building the trusted place for home buyers to manage their journey!
2.7 For our first 1,000 customers, we will share all revenues earned in relation to the users first property transaction, and may extend this offer to our valued early stage users to include all services used throughout their lifetime, as well as other special benefits.
3. Referral Partners
3.1 Homeplanner is building a network of the highest quality service providers in Australia, to support you on your home buying journey. Core to our proposition is that we want to share some of these revenues with you to support you further.
3.2 We endeavour to increase our share of these revenues over time to support you further, so they are subject to change. We will keep our T&C’s up to date with any significant changes in our referral parters or the arrangements we have with them.
3.3 List of Referral Partners and Revenues Earned
4. Our Privacy Policy and Consumer Data Right scheme
4.1 Your use of our Products will involve our collection of, and your disclosure and transmission of personal information (as that term is commonly defined in applicable privacy laws and regulations) to us. Our practices with respect to how we collect, handle, store, use, and/or disclose such personal information are governed by our Privacy Policy which is incorporated into these Terms of Use.
4.2 We offer you the ability to share your personal information and profile with select third parties (e.g., financial advisers, mortgage brokers, accountants…). Access to your personal profile is subjected to our preliminary and ongoing evaluation and we reserve the discretionary right to decline 3rd party access requests or discontinue their established access.
5. Accounts and your obligations
5.1 You are solely responsible for the following:
(a) Ensuring that any information you submit to create your Account and/or to access and use our Products is accurate, current, and aligns with any corresponding legal documents (where applicable).
(b) You must only declare and submit assets and liabilities within your Account that you have all necessary rights in and to.(c) Ensuring your account is only accessed, used and operated you.
(d) All activity and transactions on your account, including any unauthorised access by third parties; and
(e) Maintaining the confidentiality and security of your account (without limiting our security obligations).
5.2 You must contact us at welcome@homeplanner.io immediately if you believe an unauthorised third party:
(a) may be using or accessing your account; and/or
(b) if your account login or other similar information is lost or stolen.
5.3 Please refer to clause 7 for how you can delete your Account and to clause 12 for circumstances in which we may suspend your Account and access to our Products.
6. Your obligations and acceptable use
6.1 You must comply with all applicable laws, codes, and regulations and these Terms of Use in respect of your access, and use of, the Products and website.
6.2 You must only use the Products and website for lawful purposes and in a way which does not infringe the rights of any third party or restrict or inhibit anyone else’s use of the same.
6.3 When you access and use the Products and website, you must not:
(a) copy, modify, or create derivative works based on the content available through the Products and website;
(b) infringe the rights, including intellectual property rights, privacy rights, or confidentiality, of any third party;
(c) introduce any computer code or routine that is harmful, destructive, disabling or which assists in or enables theft, alteration, denial of service, unauthorised use, disclosure or destruction or corruption of data, including viruses, worms, spyware, adware, key loggers, Trojans or any types of programmed threats that may be harmful, or other elements of software used to prevent unauthorised access and use; and/or
(d) post or transmit any unauthorised material, including material that is (in our opinion) offensive, inflammatory, defamatory, racist, obscene or threatening.
7. Account deletion
7.1 You can delete your Account with us at any time by contacting us at welcome@homeplanner.io or via the web app in your account.
7.2 Subject to clause 7.3, on deletion of your Account:(a) your Account and Customer Data will be deactivated and erased, and you will no longer have access to any Outputs or other information within your Account; and(b) we will retain your contact information, unless you otherwise unsubscribe from our communications;(c) where you wish to reengage with our Products in the future, you will need to start again and create a new Account.
7.3 We reserve the right to retain a copy of, and use, your Customer Data:(a) to the extent we are required to in accordance with any obligations we have under any applicable laws, codes, regulations and/or any licences that we hold; and(b) for use in accordance with clause 9.3(b).
8. HomePlanner’s Intellectual Property (IP) rights
8.1 HomePlanner owns all rights (including intellectual property rights), title and interests in and to the Products and all content available as part of the Products and/or on our website, including the text, graphics, photographs, logos, icons, sound recordings and software (including source and object code), and/or any reports, analytics, insights, and/or other content generated by the Products, excluding Customer Data (HomePlanner Content).
8.2 These Terms of Use do not transfer any rights (including intellectual property rights) to you in respect of such HomePlanner Content.
8.3 You must not (without our consent):(a) use, adapt, reproduce, store, distribute, print, display, perform, publish or create derivative works from any part of the HomePlanner Content except as otherwise permitted within our Product functionality in respect of any Output; or(b) use our name, logo, graphics, and/or logos.
9. Customer Data and Output
9.1 Customer Data refers to data, information, content, and other materials:(a) supplied by you to us directly; and/or(b) input or used by you in when you access and use the Products.
9.2 As and between you and HomePlanner, you own all rights (including intellectual property rights), title and interests in and to the Customer Data and, to the extent permitted by any applicable laws, codes, and regulations, we are not responsible for the integrity, accuracy, and quality of the Customer Data and/or how you make such Customer Data available to us.
9.3 Subject to any obligations we have in respect of any Customer Data that falls within the scope of our Privacy Policy, you grant us the following licences in respect of your Customer Data.(a) A non-exclusive, worldwide licence, for the duration that your accounts with us are active, to copy, analyse, adapt, edit, reproduce, modify and/or otherwise use your your Customer Data to the extent necessary to perform our obligations under these Terms of Use, including making our Products available to you.(b) A non-exclusive, worldwide, assignable, perpetual and irrevocable licence to copy, analyse, adapt, edit, reproduce, modify and/or otherwise use the Customer Data for our business purposes, including for benchmarking and analytics, creation of trends, and/or to improve and understand the Products, product usage and customer needs, provided that we de-identify the Customer Data prior to such actions to ensure that it does not contain any personal information or other information which identifies you as a customer.
9.4 Output refers to any analytics, reports, insights, outputs, decisions, outcomes and/or information generated in, or made based on, the Products. All Output is dependent on the integrity, accuracy and quality of the Customer Data and any inaccuracies in, or incompleteness of, Customer Data will affect the quality and accuracy of any Output. You are solely responsible for:(a) reviewing the Output; and(b) determining how or if you use the Output and/or whether the Output is suitable for your purposes and/or for any intended use.
10. Hosting and security
10.1 You acknowledge and agree that:(a) your Customer Data will be hosted on third party cloud servers; and(b) all facilities used to store and process any Customer Data will be compliant with best industry practices, having regard to the nature of the Products and our website, including appropriate administrative, physical, and technical safeguards, to secure Customer Data from unauthorised access, disclosure, alteration, and use.
10.2 We will use standard data security practices in providing our Products and our website.
11. Availability
11.1 We will use reasonable endeavours to ensure the availability and uptime of our Products. However, to the fullest extent permitted by law, HomePlanner does not guarantee that the Products or website will be continuous, always available, and/or or fault free. You acknowledge that the public internet is an inherently insecure environment, and that we have no control over the privacy of any communications or the security of any data (including Customer Data) outside of our internal systems.
11.2 We may update and carry out scheduled or emergency maintenance in respect of the Products and/or website and in doing so may suspend access to, or functionality on, the Products and/or website. We will use reasonable efforts to ensure such scheduled or emergency maintenance occurs outside of regular business hours (in Sydney, Australia).
11.3 To the extent permitted by law, we do not accept responsibility or liability for any loss suffered by you arising from any unavailability of the Products and/or website for any reason.
12. Suspension and account termination
12.1 We may, in our sole discretion, suspend and/or terminate your Account and access to the Products and consequently the agreement between you and us by notice in writing to you if:(a) you are, or we reasonably suspect that you are, in breach of these Terms of Use and you have not rectified such breach within a reasonable timeframe of receiving notice from us, or where such breach is not capable of remedy; and/or(b) immediately where we reasonably suspect that you:(i) have misrepresented your personal financial circumstances;(ii) are participating in fraudulent behaviour; and/or(iii) are acting in breach of any applicable laws, codes, or regulations.
12.2 Upon termination:(a)you must cease using the Products and any licences granted in this agreement will terminate immediately;(b) we will disable and delete your Accounts and access to the Products;(c) clauses 7.2 and 7.3 will apply
13. Liability
13.1 Nothing in this agreement excludes any rights you may have against HomePlanner which cannot be excluded under any applicable laws, codes, and regulations, including Australian Consumer Law and/or any rights you have to lodge complaints, and obtain resolutions, under relevant industry bodies.
13.2 Notwithstanding any other provision of these Terms of Use and to the fullest extent permitted by law:(a) our liability to you under this agreement whether in contract, tort (including negligence), statute or otherwise is limited to one or more of the following acts (as determined by us) the:(i) supplying of our services to you again; or(ii) payment of the cost of having our services supplied to you again;(b) where our liability cannot be limited under clause
13.2(a), our aggregate liability in connection with this agreement whether in contract, tort (including negligence), statute or otherwise will not exceed an amount equal to the greater of fees paid by you to us in the 12 months immediately preceding the claim giving rise to the liability and $500; and(c) our sole liability for loss or corruption of data is limited to restoring such data to the last useable backup, where applicable; and(d) we are not liable, whether such liability is based on breach of contract, tort (including negligence), statute or otherwise for any Consequential Loss, indirect, incidental, punitive or special Losses of any kind (including loss of profit and/or business interruption); and(e) we are not responsible for any errors, omissions, Losses or damages of any kind resulting directly or indirectly from any:(i) inaccuracies in Customer Data; or(ii) your failure to ensure the integrity, completeness, or accuracy of Customer Data before providing it to us or inputting it into the Products.
13.3 You are solely responsible for determining whether our Products are suitable for your needs and, subject to any express warranties in this agreement but otherwise to the fullest extent permitted by law, we exclude all warranties, conditions and representations in whatever form, relating to the Products, the Outputs, and our website, including any warranties or representations relating to availability, performance, quality, fitness for use.
13.4 Customer acknowledges the Products, Outputs and/or website do not constitute financial product advice as such term is (or other similar terms are) defined in any applicable laws, codes or regulations. You should always seek professional advice which takes your personal goals, objectives and circumstances into account when making financial decisions, including based on any Output. In addition to not providing financial advice, our Products and the Output are not suitable for time-sensitive trading, they operate as digital service only to enable you to track and manage long-term wealth creation and the information and balances within your Accounts with us are only updated at a frequency suitable with this objective.
13.5 In this clause, Losses refers to any judgment, debt, damage, loss, cost, expense or liability howsoever arising and whether present or future, fixed or unascertained, actual or contingent whether at law, in equity, or otherwise and Consequential Loss refers to any Loss that does not arise naturally in the ordinary course of things from the event or circumstance giving rise to the Loss.
14. Third party products, websites, and content
14.1 Some aspects of the Products incorporate and/or integrate with third party products that are provided by third party suppliers, external software and infrastructure suppliers, and providers of open source software. You consent to our use of such third party products and third party suppliers, including any integration with them.
14.2 The Products and our website may contain links to websites, products, and/or services operated by third parties and/or content provided by third parties. Your interaction with and use of any such third party websites and/or content is at your own risk, and you agree we have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties. We do not endorse, have no control over, and are not responsible for, such third party websites and/or content, including for monitoring, approving, updating or reviewing any such third party websites and/or content. We do not guarantee, endorse, approve or adopt the accuracy or completeness of such third party websites and/or content and we do not warrant or represent that your use of the same will not infringe the rights of third parties.
14.3 To the extent permitted by law, we reserve the right to display advertising and/or promotional messages within our Products, on our website, and within our communications in a form and manner determined by us.
15. Notices
15.1 A notice or other communication under this agreement is only effective if it is in writing and it is received in full and legible form at the addressee’s email address.
15.2 You must send any notices or other communication to us under this agreement to welcome@homeplanner.io.
15.3 A notice will be deemed to be received the earlier of when the sender receives an automated message confirming delivery or within 72 hours after the message has been sent (as recorded on the device from which the sender sent the message), unless the sender receives an automated message that the email has not been delivered.
16. General
16.1 Nothing in these Terms of Use will be taken as giving rise to a relationship of employment, agency, partnership or joint venture.
16.2 We may subcontract the performance of any part of our obligations to any third party. We will remain responsible and liable for any such subcontractors.
16.3 These Terms of Use contains the entire understanding between the parties concerning the subject matter of these Terms of Use and supersedes all prior communications.
16.4 The failure of either party to enforce any provisions under these Terms of Use will not waive the right of such party thereafter to enforce any such provisions.
16.5 If any term or provision of these Terms of Use is held by a court to be illegal, invalid or unenforceable under the applicable law, that term or provision will be severed from this agreement and the remaining terms and conditions will be unaffected.
16.6 We may vary these terms and conditions by giving you notice as follows.(a) Where the variation relates to or impacts:(i) your ability to access and use the Products; and/or(ii) your Customer Data;(iii) either party’s warranties or liabilities under this agreement,
we will provide you with 14 days’ notice prior to such change taking effect.(a) Where you do not agree to proposed amendment, you can cancel your account. Where you do not do so, and you continue to use the Product, then you agree that you are deemed to have consented to the amendment.(b)All other changes will be effective from the date of notification(c) The date set out at the start of these terms will reflect the date that they were last updated.
16.7 You cannot assign, transfer or otherwise deal with these Terms of Use or any right under this agreement without our prior written consent, which must not be unreasonably withheld.
16.8 Any term which by its nature is intended to survive termination of this agreement survives termination of this agreement.
16.9 These Terms of Use are governed by, and construed in accordance with, the laws of New South Wales, Australia. The parties agree to submit to the nonexclusive jurisdiction of the courts of New South Wales.
17. Interpretation
17.1 In this agreement unless the context otherwise requires:(a) clause and sub-clause headings are for reference purposes only;(b) the singular includes the plural and vice versa;(c) where a word or phrase is defined its other grammatical forms have a corresponding meaning;(d) references to statutes include all statutes amending, consolidating or replacing such statutes;(e) any reference to a party to this document includes its successors and permitted assigns;(f) the use of the word "includes" or "including" is not to be taken as limiting the meaning of the words preceding it.
HomePlanner, operated by Willow Park Ventures Pty Ltd (ABN 69 672 686 985)
1. Introduction and scope
1.1 Welcome to HomePlanner, operated by Willow Park Ventures Pty Ltd (ABN 69 672 686 985) (HomePlanner, we, us or our). Our current products and services include a property buying assistance service which includes strategic purchase planning, factual information and general financial advice, education, project management support and services introductions. These currently form our products and services.
1.2 While providing our products and services to you, HomePlanner will collect, store, use and disclose personal information. We are committed to the protection of your personal information and to compliance with applicable privacy laws. This privacy policy sets out how we collect, hold, store, use, and disclose your personal information.
1.3 Upon obtaining user consent, a snapshot of a users financial information which we have collected from a user thought the provision of the Services may be passed to a referral partners. The sharing of this data is to support the partner in providing the services they have been referred to provide. This data will be qualified as unverified and the service provider will need to independently verify this information to satisfy their regulatory and licensing requirements.
1.4 HomePlanner does not provide personalised financial advice. The information we present you with via our products and services is factual information and is based on data and information that has been linked to your Account. While we present this information in a way which is intended to provide you with useful insights, we do not provide you with any opinion or recommendation about your financial affairs and the information we provide is general information. You should always seek professional advice which takes your personal goals, objectives and circumstances into account when making financial decisions.
2. Personal informationPersonal information and/or personal data (the terms commonly used in applicable privacy laws) is information or an opinion about an identified or reasonably identifiable individual, whether or not the information or opinion is true and whether or not the information is recorded in a material form.
3. Types of personal information we collect and hold
3.1 We collect and hold personal information about individuals for the provision of our products and services and purposes connected to those products and services.
3.2 Consistent with the provision of our products and services, the types of personal information we may collect, and hold include the following:(a) Identity and contact details. Including individuals’ name, address, telephone number, email address.(b) Sociodemographic information. Including marital status, age, gender, and/or the age and number of your dependents.(c) Financial information. Including details of your past and current employment, income, assets, and financial liabilities, information about the past and current financial products you have held, your credit history and rating (including repayment and default history),and/or information included on documents to help verify your financial information (eg tax returns, payslips, statements (financial, credit card, bank, loan), and/or confirmation of your employment.(d) Payment information. Information associated with payment and card details that you use to purchase our/access to our products and services (when relevant) and Bank Account details we collect from you to pay your share of Partner referral revenues.(e) Consumer data information. To the extent that any consumer data information incorporates any personal information (please, refer to clause 5 regarding our role as a Trusted Adviser (TA) in respect of such data).(f) Other information. This includes text of written and oral communications gathered in the course of our interaction with you, including where you interact on live-chat, our website, social media, and emails, provide feedback and online reviews and other information from your interactions with us online, including information about your personal or business affairs, cookie information, IP address, URLs, search histories and other associated information.
4. How we collect and hold personal information
4.1 We may collect personal information in the following ways.(a) Directly from you. We may collect personal information directly from you, including in the course of providing our products and services, from communications via phone, email and text, your completion and submission of website and enquiry forms, as well as generally from our website and other online platforms, including by using cookies.(b) From third parties. We may collect personal information about you from third parties who you have authorised to disclose your personal information to us, including but not limited to your authorised representatives (such as your financial planners, brokers, lawyers, and/or accountants), Accredited Data Recipients who you authorize to share your personal data with us in our quality of Trusted Adviser under the Consumer Data Right scheme, your services providers and professional data aggregation providers. While your disclosure of personal information to such third parties remains governed by your relationship with that third party, including their privacy policy and/or CDR policy, our use of your personal information that we receive from them will be governed by this privacy policy.
4.2 We may also collect personal information from publicly available sources of information, including via social media channels.
4.3 Personal information is held securely, is subject to various security protections and is held only for as long as the information remains relevant to the purpose for which it was collected, unless the law requires otherwise
5. Consumer Data Right scheme
5.1 At Homeplanner we are building our platform, our data policies and processes to comply with the Consumer Data Right Scheme so that we can leverage your data in a way that benefits you. In the near future we will be working to become an Representative of an Accredited Data Recipient and therefore will be bound by the stringent compliance standards of the Consumer Data Right Scheme. For more information on the Consumer Data Right scheme, please, visit the official Australian government's website: https://www.cdr.gov.au/.
6. Purposes for which we hold, use and disclose personal information
6.1 We set out below the purposes for which we may collect, hold, use and disclose your personal information. We will not use or disclose personal information for any secondary purpose, unless that secondary purpose is related to the primary purpose for which we have collected that information, and you would reasonably expect the disclosure in the circumstances, or unless you consent to that use or disclosure.
6.2 The purposes include the following:(a) Providing our services and/or the services of a third party, to you, and undertaking our activities in relation to our products and services.(b) Enabling you to use our products and services, including creating analytics and insights using your personal information.(c) Verifying your identity and assessing your eligibility for our and/or third party products and services.(d) Communicating information about our products and services, or third party products or services that may be of interest to you.(e) To provide you with information or advertising relating to our products or services (including targeted advertisements) or marketing communications we believe may be of interest to you.(f) To improve and optimise our platforms (including our websites), products, and services.(g) To protect our legal interests and rights (including our intellectual property rights), as well as the interests and rights of our customers and third parties.(h) For our internal administrative, research, planning, marketing, and product development purposes.(i) To comply with legal and regulatory obligations, including in respect of any licences we hold, our services as a loan broker, and managing corporate governance obligations.(j) To create aggregated insights into consumer spending and wealth accumulation to support the wider users on their financial goals.6.3 We may also disclose personal information to the following third parties, as necessary for the purposes set out above.(a) Prospective funders or other intermediaries in relation to your finance requirements, including other organisations involved in administering your finances.(b) Your authorised representatives, such as your financial planners, brokers, lawyers, and/or accountants, and your trusted advisors.(c) Credit reporting bodies.(d) Third party partners who help us fulfil and deliver our products and services to you, including our employees, officers, insurers, professional advisers, agents, suppliers, partners or subcontractors.(e) Investors or entities who have an interest in investing in, and/or buying, our business.(f) Third party technology and marketing partners, including but not limited to Facebook (including for their custom audience and lookalike audience tools), Amazon Web Services and Google (including Google Analytics) and other technology and marketing service providers.(g) Any other third parties who you have provided us with consent to disclose your personal information to.
7. Links to other websites
Our website may contain links to other organisations’ information and websites. We are not responsible for the information or activities of other organisations, even if accessed via the HomePlanner website. It is recommended that you check the privacy policy of websites you visit that are linked through our website.
8. Changes to this Privacy Policy
We will review and update this privacy policy from time to time as needed without notice. Therefore, you should review the terms of this policy periodically to make sure that you are aware of how we collect, hold, store and use personal information.
9. Access and correction
9.1 We will take all reasonable steps to ensure any personal information we collect, use or disclose is up to date and accurate. If you believe personal information that we hold about you is not up to date or accurate, you may ask us to correct it.
9.2 You may ask us to provide you with details of the personal information we hold about you, and copies of that information. We will respond to your request and attempt to provide you with the data within 30 days of receipt of your request.
9.3 If we provide you with copies of the information you have requested, to the extent permitted by law, we may charge you a reasonable fee to cover the administrative costs of providing you with that information.
9.4 Please direct all request for access and correction to welcome@HomePlanner.com.au.
10. Overseas disclosure
We will not disclose or store your personal information to any overseas entities unless we obtain your prior consent to do so, in which case we will also only do so in accordance with our obligations under any applicable laws, codes and regulations.
11. Complaints
11.1 If you consider a breach of the Privacy Act 1988 (Cth) has occurred, you may direct your query to us using the details set out below and we will attempt to resolve your complaint.
11.2 If you do not consider our response satisfactory, you may contact the Australian Privacy Commissioner at its website www.oaic.giv.au or by telephone on 1300 363 992.
12. Contacting us
If you have any questions about this privacy policy and would like further information, please contact us at welcome@HomePlanner.com.au.
HomePlanner, operated by Willow Park Ventures Pty Ltd (ABN 69 672 686 985)
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