Please read the following terms and conditions carefully before registering on, accessing, browsing,
downloading or using the Oppia Learnings website, and all associated sites, or the Oppia Learnings .
mobile application or any similar platform (hereinafter collectively, the Oppia Learnings .
Platform run by Oppia Learnings,
Any of its affiliates (hereinafter collectively, Oppia Learnings . or Oppia Learnings on any device
and/or before availing any services offered by Oppia Learnings . on the Oppia Learnings Platform which
may include services such as recharge or bill payment, digital products, semi-closed wallet service
and marketplace service or any other service that may be offered by Oppia Learnings on the Oppia Learnings Platform
(hereinafter individually, and collectively,
The Oppia Learnings . Services). For the avoidance of doubt, it is clarified that these
terms and conditions shall apply to all Oppia Learnings Services, whether offered by Oppia Learnings or its
affiliates.
By registering on, accessing, browsing, downloading or using the Oppia Learnings Platform for any general
purpose or for the specific purpose of availing any Oppia Learnings Service, you agree to be bound by the
single-sign-on ID (hereinafter TRANSFER) terms and conditions set forth below as well as by the
service-specific terms and conditions applicable to each Oppia Learnings Service (hereinafter collectively,
the T&Cs).
These T&Cs shall also include any additional or modified terms and conditions in relation to the
TRANSFER or any additional or modified service-specific terms and conditions in relation to any
Oppia Learnings Service or any future service that may be offered by Oppia Learnings on the Oppia Learnings Platform. By
registering on, accessing, browsing, downloading or using (as applicable) the Oppia Learnings Platform or
availing any Oppia Learnings Service or the TRANSFER, you automatically and immediately agree to all the
T&Cs.
If at any time you do not accept or agree with any of the T&Cs or do not wish to be bound by the
T&Cs, you may not access, browse or use the Oppia Learnings Platform and immediately terminate your availing
the Oppia Learnings Services. Accepting or agreeing to the T&Cs will constitute a legal contract
(hereinafter
Agreement) between you, being at least 18 years of age and an individual user of the Oppia Learnings
Platform
or a customer or beneficiary of the Oppia Learnings Services, and Oppia Learnings.
All services are rendered by Oppia Learnings through the Oppia Learnings Platform under the brand name “Oppia Learnings” (or
any
derivatives or variations thereof). Consequently, all the rights, benefits, liabilities and
obligations under the T&Cs shall, as the case may be, accrue to the benefit of, or incurred by,
Oppia Learnings, regarding your use of Oppia Learnings’s digital services (which includes but may not be limited to
prepaid recharge, bill payment, booking movie tickets, bus tickets, hotel rooms or flight tickets),
the semi closed wallet service, the marketplace service or any such other services which may be
added on the Oppia Learnings Platform and which will henceforth be a Oppia Learnings Service, from time to time.
The Oppia Learnings Services shall be used by you subject to your adherence with the T&Cs. As long as you
accept and comply with these T&Cs, Oppia Learnings grants you a personal, non-exclusive, non-transferable,
limited, revocable privilege to enter and use the Oppia Learnings Platform and/or avail the Oppia Learnings
Services.
The Oppia Learnings Services are not available to persons under the age of 18 or to anyone previously
suspended
or removed by Oppia Learnings from availing the Oppia Learnings Services or accessing the Oppia Learnings Platform. By
accepting
the T&Cs or by otherwise using the Oppia Learnings Services on the Oppia Learnings Platform, you represent that you
are
at least 18 years of age and have not been previously suspended or removed by Oppia Learnings, or
disqualified
for any other reason, from availing the Oppia Learnings Services or using the Oppia Learnings Platform. In addition,
you
represent and warrant that you have the right, authority and capacity to enter into this Agreement
and to abide by all the T&Cs as part of this Agreement.
Finally, you shall not impersonate any person or entity, or falsely state or otherwise misrepresent
your identity, age or affiliation with any person or entity. Finally, in the event of any violation
of the T&Cs, Oppia Learnings reserves the right to suspend or permanently prevent you from availing Oppia Learnings
Services or using the Oppia Learnings Platform.
Additional terms and conditions may apply in order for you to avail specific Oppia Learnings Services and to
specific portions or features of the Oppia Learnings Platform, including contests, promotions or other
similar
features, all of which terms are made a part of these T&Cs by this reference. You agree to abide by
such other terms and conditions, including where applicable representing that you are of sufficient
legal age to use or participate in such service or feature. If there is a conflict between these
T&Cs and the terms posted for or applicable to a specific portion of the Oppia Learnings Platform or for any
Oppia Learnings Service offered on or through the Oppia Learnings Platform, the latter terms shall control with
respect
to your use of that portion of the Oppia Learnings Platform or the specific Oppia Learnings Service.
Oppia Learnings may make changes to any Oppia Learnings Services offered on the Oppia Learnings Platform, or to the
applicable
terms for any such Oppia Learnings Services, at any time, without notice. The materials on the Oppia Learnings
Platform
with respect to the Oppia Learnings Services may be out of date, and Oppia Learnings makes no commitment to update
the
materials on the Oppia Learnings Platform with respect to such Oppia Learnings Services. The following terms also
govern
and apply to your use of the Oppia Learnings Platform, and they are incorporated herein by this reference:
Oppia Learnings services offers you the convenience, after a one-time registration any Oppia Learnings Platform, to
sign
on (log in) to all web pages and online platforms operated by Oppia Learnings or its affiliates (hereinafter
the Participating Platforms) with single log-in access / data, without going through a separate
registration process every time.
After successfully registering for the Oppia Learnings Service, the user can log-in via each Participating
Platform with his Oppia Learnings access credentials. Moreover, if already logged in to one of the
Participating Platforms, the user can immediately use all other Participating Platforms without
additional log-in procedures (subject to the respective Participating Platform requiring further
declarations).
The Participating Platforms that offer the Oppia Learnings as a login feature, are visible on registration
and
in the user account. The number of Participating Platforms may also vary in the course of time. With
regard to the contractual relationships of the users with the respective Participating Platforms,
for the purposes of which Oppia Learnings’s service is or can be used in accordance with these T&Cs, these
can
alternatively have their own commercial and user terms and conditions.
These business or user terms and conditions are available on the respective Participating Platforms.
For the respective contents of the Participating Platforms, the respective affiliate of Oppia Learnings is
solely responsible only for those content that it actually operates. For the Oppia Learnings service, these
T&Cs apply exclusively, whereas for the use of the Participating Platforms, their business and user
terms and conditions apply along with these T&Cs. The Oppia Learnings shall be owned and operated by Oppia Learnings
Solutions. for use on all Participating Platforms, by Oppia Learnings or its affiliates. For the use of
Oppia Learnings’s service, the user must register. Registration as a user is only allowed if the user meets
the eligibility criteria as set out in these T&Cs. Each user can set up only one user account. The
user is obliged to provide correct and complete information during the registration and use of the
Oppia Learnings service. The login data is intended solely for personal use by the user and therefore always
to be kept secret and safe. The user is not entitled to share his login details with third parties
to use the Oppia Learnings service or to disclose them otherwise.
The user is obliged to inform Oppia Learnings immediately on becoming aware of and/or suspecting a case of
any
unauthorized use, disclosure and/or misuse of their access data or of their user account.
Furthermore, the user is obliged not to use the user account of another person. Submission of the
duly completed registration form by the user simply provides invitation to us to make an offer to
enter into the agreement on the use of our Oppia Learnings service (hereinafter the Oppia Learnings Agreement). Our
offer for the conclusion of the Oppia Learnings Agreement is then affected by the fact that Oppia Learnings sends
the
user a confirmation by e-mail, in which a confirmation link is included next to the user name and
the password for the Oppia Learnings Service.
By the user clicking on this confirmation link, the user accepts Oppia Learnings’s offer, so that in this
way
the Oppia Learnings Agreement enters into force. Conclusion of the Oppia Learnings Agreement may, also be effected
through other communication modes and following such processes which help achieve the same purpose
as the aforementioned e-mail confirmation process. Oppia Learnings is entitled to reject individual users
without giving reasons. The user guarantees that the data submitted for their user account (and any
other information that is otherwise left for Oppia Learnings) are in all respects complete, true, accurate
and
not misleading. Any changes to user’s data should be promptly updated correctly in its account.
By accepting the T&Cs, you accept the following: 1. Oppia Learnings may send alerts to the mobile phone
number
provided by you while registering with the Oppia Learnings Platform for the TRANSFER service or on any
updated
mobile number subsequently provided by you on the Oppia Learnings Platform, or via e-mail or push
notifications. The alerts will be received in case of SMS, only if the mobile phone is in ‘On’ mode
to receive the SMS, in case of e-mail, only if the e-mail servers and e-mail ids are functional, and
in case of push notifications, if the user has enabled the receipt of such notifications. If the
mobile phone is in ‘Off’ mode or if the e-mail servers or ids are not functional or if the
push-notifications feature has been turned off, then you may not get the alert at all or get delayed
messages.
2. Oppia Learnings will make best efforts to provide alerts via SMS/e-mail/push notifications and it shall
be
deemed that you shall have received the information sent from Oppia Learnings as an alert on the mobile
phone
number or e-mail id provided during the course of, or in relation to, using the Oppia Learnings Platform or
availing any Oppia Learnings Services. Oppia Learnings shall not be under any obligation to confirm the authenticity
of
the person(s) receiving the alert. You cannot hold Oppia Learnings liable for non-availability of the
SMS/email alert/push notifications service in any manner whatsoever.
3. The SMS/e-mail alert/push notification service provided by Oppia Learnings is an additional facility
provided for your convenience and that it may be susceptible to error, omission and/or inaccuracy.
In the event that you observe any error in the information provided in the alert, Oppia Learnings shall be
immediately informed about the same by you and Oppia Learnings will make best possible efforts to rectify
the
error as early as possible. You shall not hold Oppia Learnings liable for any loss, damages, claim, expense
including legal cost that may be incurred/suffered by you on account of the SMS/e-mail alert/push
notification facility.
4. The clarity, readability, accuracy and promptness of providing the SMS/e-mail alert/push
notification service depend on many factors including the infrastructure and connectivity of the
service provider. Oppia Learnings shall not be responsible for any non-delivery, delayed delivery or
distortion of the alert in any way whatsoever.
5. You will indemnify and hold harmless Oppia Learnings and the SMS/e-mail service provider including its
officials from any damages, claims, demands, proceedings, losses, costs, charges and expenses
whatsoever including legal charges and attorney’s fees which Oppia Learnings or the SMS/e-mail service
provider may at any time incur, sustain, suffer or be subjected to as a consequence of, or arising
out of, any of the following:
(i) misuse by you or improper or fraudulent information provided by you;
(ii) incorrect number or a number that belongs to an unrelated third party provided by you; and/or
(iii) the customer receiving any message relating to the reservation number, travel itinerary
information, booking confirmation, modification to a ticket, cancellation of ticket, change in bus
schedule, delay, and/or rescheduling from Oppia Learnings and/or the SMS/e-mail service provider.
6. You will receive information via SMS, e-mail and phone calls regarding what Oppia Learnings perceive to
be
of your interest based on your usage history and browsing history (which information may be shared
by Oppia Learnings with its affiliates). This includes providing information relating to offers, discounts
and
general information by Oppia Learnings. In case you do not want such information, you have to explicitly ask
to be excluded.
You understand that except for information, products or services clearly indicated as being supplied by Oppia Learnings, we do not operate, control, or endorse any information, products or services on the Internet in anyway. You also understand that Oppia Learnings cannot and does not guarantee or warrant that files available for download through the Oppia Learnings Platform will be free of viruses, worms or other code that may be damaging. You are responsible for implementing procedures to satisfy your particular requirements of Internet security and for accuracy of data input and output.
By accessing or using the Oppia Learnings Platform or by availing Oppia Learnings Services, you agree not to: 1.
Violate
the T&Cs; 2. Impersonate any person or entity, falsely claim or otherwise misrepresent your
affiliation with any person or entity, or access the accounts of others without permission, forge
another person’s digital signature, misrepresent the source, identity, or content of information
transmitted via the Oppia Learnings Services, perform any other similar fraudulent activity or otherwise
avail
Oppia Learnings
Services with what we reasonably believe to be potentially fraudulent funds; 3. Infringe our or any
third party’s intellectual property rights, rights of publicity or privacy; 4. Use the Oppia Learnings
Services if you are under the age of 18 years without a parental sponsor or, in any event, use the
Oppia Learnings Services if you are under the age of 13 years old even with a parental sponsor and in
accordance with applicable law; 5. Post or transmit any message which is libelous, defamatory or
which discloses private or personal matters concerning any person; 6. Post or transmit any message,
data, image or program which is pornographic, vulgar or offensive in nature; 7. Refuse to cooperate
in an investigation or provide confirmation of your identity or any other information provide by you
to Oppia Learnings; 8. Remove, circumvent, disable, damage or otherwise interfere with security-related
features of the Oppia Learnings Services and the Oppia Learnings Platform or features that enforce limitations on
the
use of the Oppia Learnings Services or the Oppia Learnings Platform; 9. Reverse engineer, decompile, disassemble or
otherwise attempt to discover the source code of as regards Oppia Learnings Services or Oppia Learnings Platform or
any
part thereof, except and only to the extent this is expressly permissible by applicable law; 10. Use
the Oppia Learnings Services or the Oppia Learnings Platform in any manner that could damage, disable, overburden,
or
impair it, including, without limitation, using the Oppia Learnings Services or the Oppia Learnings Platform in an
automated manner; 11. Modify, adapt, translate or create derivative works based upon the Oppia Learnings
Services and the Oppia Learnings Platform or any part thereof, except and only to the extent that that this
is
permissible by applicable law; 12. Intentionally interfere with or damage operation of the Oppia Learnings
Services or the Oppia Learnings Platform or any other user’s enjoyment of it, by any means, including
uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or
file with contaminating or destructive features; 13. Use any robot, spider, other automatic device,
or manual process to monitor or copy the Oppia Learnings Platform without prior written permission; 14.
Interfere or disrupt the Oppia Learnings Platform or networks connected to the Oppia Learnings Platform; 15. Take
any
action that imposes an unreasonably or disproportionately large load on Oppia Learnings’s
infrastructure/network; 16. Use any device, software or routine to bypass the Oppia Learnings Platform’s
robot
exclusion headers, or interfere or attempt to interfere, with the Oppia Learnings Services; 17. forge
headers
or manipulate identifiers or other data in order to disguise the origin of any content transmitted
through the Oppia Learnings Platform or to manipulate your presence on the Oppia Learnings Platform; 18. Sell the
Oppia Learnings
Services, information, or software associated with or derived from it; 19. Use the facilities and
capabilities of the Oppia Learnings Platform to conduct any activity or solicit the performance of any
illegal
activity or other activity which infringes the rights of others; 20. Breach this Agreement, the
SSOID Agreement or any other agreement or policy as may be applicable pursuant to the T&Cs; 21.
Provide false, inaccurate or misleading information; 22. Use the Oppia Learnings Platform to collect or
obtain
personal information, including without limitation, financial information, about other users of the
Oppia Learnings Platform, except and only as expressly provided in the T&Cs; 23. Avail Oppia Learnings Services with
what Oppia Learnings reasonably believes to be potentially fraudulent funds; 24. Use the Oppia Learnings Services in
a
manner that results in or may result in complaints, disputes, reversals, charge-backs, fees, fines,
penalties and other liability to Oppia Learnings, a third party or you; 25. Use the Oppia Learnings Services in a
manner
that Oppia Learnings or any payment card network reasonably believe to be an abuse of the payment card
system
or a violation of payment card network rules; 26. Take any action that may cause Oppia Learnings to lose any
of the Oppia Learnings Services from its service providers or lose any of its recharge partners or business
partners, including mobile operators or telecom companies, payment processors or other suppliers;
27. Send automated request of any kind to the Oppia Learnings Platform without express permission in advance
from Oppia Learnings.
You agree that Oppia Learnings, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate your account (or any part thereof) or your use of the Oppia Learnings Services/Oppia Learnings Platform and remove and discard on the Oppia Learnings Platform all or any part of your account, your user profile, or your recipient profile, including your SSOID, at any time. Oppia Learnings may also in its sole discretion and at any time discontinue providing access to the Oppia Learnings Services, or any part thereof, with or without notice. You agree that any termination of your access to the Oppia Learnings Services/Oppia Learnings Platform or any account you may have or portion thereof may be effected without prior notice, and you agree that Oppia Learnings will not be liable to you or any third party for any such termination or interruption. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Oppia Learnings may have at law or in equity. Upon termination for any reason, you agree to immediately stop using the Oppia Learnings Services/Oppia Learnings Platform.
In no event, Oppia Learnings or its contractors, agents, licensors, partners or suppliers will be liable to you for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the Oppia Learnings Services, the Oppia Learnings Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Oppia Learnings Services, the Oppia Learnings Platform (including any and all materials) or any reference sites/app/platform/service, even if Oppia Learnings or a Oppia Learnings authorized representative has been advised of the possibility of such damages. In no event, Oppia Learnings or any of its contractors, directors, employees, agents, third party partners, licensors or suppliers will be liable to you for any damages, liabilities, losses, and causes of action arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the Oppia Learnings Services, the Oppia Learnings Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Oppia Learnings services, the Oppia Learnings Platform (including any and all materials) or any reference sites/app/platform/service; or (v) any other interactions with Oppia Learnings, however caused and whether arising in contract, tort including negligence, warranty or otherwise, beyond or in excess of the amount paid by you, if any, for using the portion of the Oppia Learnings Service or the Oppia Learnings Platform giving rise to the cause of action, or beyond or in excess Rs, 1,000, whichever is less. You acknowledge and agree that Oppia Learnings has offered its products and services, set its prices, and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between you and Oppia Learnings, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between you and Oppia Learnings. Oppia Learnings would not be able to provide the services to you on an economically reasonable basis without these limitations. Applicable law may not completely allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions will apply to you subject to applicable law. In such cases, Oppia Learnings’s liability will be limited to the fullest extent permitted by applicable law. This paragraph shall survive the termination of this Agreement.
You agree to indemnify, save, and hold Oppia Learnings, its affiliates, contractors, employees, officers, directors, agents and its third party suppliers, licensors, and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to: (i) your use or misuse of the Oppia Learnings Services or of the Oppia Learnings Platform; (ii) any violation by you of this Agreement or the SSOID Agreement; or (iii) any breach of the representations, warranties, and covenants made by you herein (iv) Contractors, agents and distributors indemnify all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to retailers and vice-versa. Oppia Learnings reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Oppia Learnings, including rights to settle, and you agree to cooperate with Oppia Learnings’s defense and settlement of these claims. Oppia Learnings will use reasonable efforts to notify you of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Agreement.
The Oppia Learnings Services and the Oppia Learnings Platform are owned and operated by Oppia Learnings and/or third party licensors. The visual interfaces, graphics, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of the Oppia Learnings Services and the Oppia Learnings Platform provided by Oppia Learnings (hereafter Materials) are protected by Indian copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. As between you and Oppia Learnings, all Materials, trademarks, service marks, and trade names contained on the Oppia Learnings Platform are the property of Oppia Learnings and/or third party licensors or suppliers. You agree not to remove, obscure, or alter Oppia Learnings or any third party’s copyright, patent, trademark, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the Oppia Learnings Services/Oppia Learnings Platform. Except as expressly authorized by Oppia Learnings, you agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Materials. Oppia Learnings reserves all rights not expressly granted in this Agreement. If you have comments regarding the Oppia Learnings Services and/or the Oppia Learnings Platform or ideas on how to improve it, please contact customer service. Please note that by doing so, you hereby irrevocably assign to Oppia Learnings, and shall assign to Oppia Learnings, all rights, title and interests in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.
Oppia Learnings reserves the right to change, modify, add, or remove portions of this Agreement (each, a change and collectively, changes) at any time by posting notification on the Oppia Learnings Platform or otherwise communicating the notification to you. The changes will become effective, and shall be deemed accepted by you, 24 hours after the initial posting and shall apply immediately on a going-forward basis with respect to your use of the Oppia Learnings Platform, availing the Oppia Learnings Services or for payment transactions initiated after the posting date. If you do not agree with any such change, your sole and exclusive remedy is to terminate your use of the Oppia Learnings Services/Oppia Learnings Platform. For certain changes, Oppia Learnings may be required under applicable law to give you advance notice, and Oppia Learnings will comply with such requirements. Your continued use of the Oppia Learnings Platform following the posting of changes will mean that you accept and agree to the changes.
Oppia Learnings may provide you with notices and communications by e-mail, SMS, push notifications, regular mail or postings on the Oppia Learnings Platform or by any other reasonable means.
The failure of Oppia Learnings to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by Oppia Learnings.
If any dispute, controversy or claim arises under this Agreement or in relation to any Oppia Learnings Service or the Oppia Learnings Platform, including any question regarding the existence, validity or termination of this Agreement or T&Cs (hereinafter Dispute), the parties shall use all reasonable Endeavour’s to resolve such Dispute amicably. If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, Oppia Learnings may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The Dispute shall be resolved by a sole arbitrator, appointed in accordance with the Act. The seat of the arbitration shall be New Noida and the language of this arbitration shall be English. Either you or Oppia Learnings may seek any interim or preliminary relief from a court of competent jurisdiction in Thane INDIA necessary to protect the rights or the property belonging to you or Oppia Learnings (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither you nor Oppia Learnings may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between you and Oppia Learnings. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement.
Subject to the Dispute Resolution section above, you agree that any claim or dispute you may have against Oppia Learnings must be resolved by a court having jurisdiction in Thane INDIA. You agree to submit to the personal jurisdiction of the courts located within Thane INDIA, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.
If any provision of this Agreement is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from this Agreement to the minimum extent required, and the remaining provisions will remain valid and enforceable.