Vehicle Purchase Terms and Conditions

İsmail Çalmaz Otomotiv Vehicle Purchase Terms and Conditions. You can go to the relevant section by clicking on the headings below.

1. Parties

1.1
Company information. İsmail Çalmaz Otomotiv Yedek Parça İnşaat Sanayi ve Ticaret Anonim Şirketi (the "Company" and/or "İsmail Çalmaz Otomotiv") is a company registered with the Izmir Chamber of Commerce under trade registry number 208714, with its head office at Emrez Mah. Akçay Cad. No:60/2 Gaziemir/İzmir. Contact. You can contact our customer services by calling 0232 253 70 10 or by sending an e-mail to [email protected].

1.2
You are the customer placing an order on the site.

2. General Information

2.1
These İsmail Çalmaz Otomotiv Vehicle Consumer Purchase Terms and Conditions (the "Terms and Conditions") govern the terms and conditions relating to the payment by you to the Company of the sale price (the "Sale Price") for a purchase made through the Company's website www.ismailcalmaz.com (the "Site"), and to the sale of the vehicle (the "Vehicle") to you in return for that price. If you purchase a vehicle through the Site, you are deemed to have accepted these Terms and Conditions.

2.2
For the sale transaction to take place, you must deliver to the Company: for a natural person, the name and surname, place and date of birth, nationality, type and number of identity document, address of residence, specimen signature, telephone number and e-mail address, together with a copy of your official photo identity document; for a legal entity, the trade name, trade registry number, registered head office address, tax registration certificate, certificate of activity, the telephone number and e-mail address of the company's authorised officer, and the signature circular (the notarised list of authorised signatories); and, if you are purchasing the Vehicle in the name and on behalf of another person, your duly executed power of attorney enabling you to carry out the purchase on your own.

3. Vehicle Sale Provisions

3.1
You accept and declare that, having examined the photographs and details of the vehicle on the Site, you are communicating to the Company's authorised representatives your intention to purchase the vehicle and to pay the sale price into the Company's bank account, and that you have fulfilled your obligation to inspect the vehicle before purchasing it. On the basis of this intention, the transfer will be carried out in accordance with these terms and conditions, and a binding Vehicle Sale Contract relating to the sale of the vehicle will thereby be concluded between the Company and you. By agreeing to purchase the vehicle from the Company, you accept, declare and undertake to carry out the completion of the transfer.

3.2
These terms and conditions are binding on the parties. However, completion of the sale is subject to the fulfilment of the transfer conditions in Article 6 and to the transfer being carried out. If the transfer does not take place for any reason, we shall have no obligation under these terms and conditions, including the obligation to sell the vehicle to you.

3.3
The Company has the right to reject requests that it considers to be erroneous or fraudulent. The Company's legal rights are reserved in respect of requests that it considers to be fraudulent. Furthermore, if it transpires that you have made a false, incomplete or erroneous statement, the Company reserves the right to cancel the sale, together with its legal rights.

3.4
The Company may from time to time make offers relating to discounted vehicles and/or campaign products and/or promotional prices, valid on specified days, at specified times and under specified conditions. These offers will be applied subject to the conditions determined by the Company and according to the availability of the products concerned, and will be valid only for selected products. Only one discount/campaign or promotion will be applied to each product for which the offer is valid; these offers cannot be combined and will not be used together. The Company always reserves the right to withdraw campaigns, promotions and discounts due to legal regulations or at its own discretion.

3.5
The trade-in discount is also subject to the provisions set out under Article 3.4 of these Terms and Conditions, and the conditions will be applied by the Company within the scope of the information provided on the Site. For the avoidance of doubt, if you purchase more than one vehicle, the trade-in discount will apply to only one of the vehicles you purchase. In order to benefit from the trade-in discount, you accept, declare and undertake that you are the sole legal owner of the vehicle you sell to the Company and that you will be the legal owner of the vehicle you purchase from the Company. In order to benefit from the trade-in discount, the İsmail Çalmaz Otomotiv vehicle purchase terms and conditions will apply to the vehicle you wish to sell to the Company, and these terms and conditions will apply to the vehicle you wish to purchase from the Company.

3.6
The provisions under Article 3 of these terms and conditions apply only to individual customers who are end consumers; if it is established that you trade in second-hand motor land vehicles, either with an authorisation certificate (the licence required in Türkiye for trading in second-hand motor vehicles) or covertly without one, the sale provisions will not apply, and the Company reserves the right not to sell to you and/or not to allow you to benefit from offers such as campaigns, promotions and discounts.

3.7
Tramer (insurance damage record) enquiries for the vehicles offered for sale on the Site are not carried out by İsmail Çalmaz Otomotiv, and İsmail Çalmaz Otomotiv gives no undertaking and bears no responsibility in this respect. Furthermore, you accept that the examination and querying of the Tramer record is your responsibility, that you therefore cannot claim any right or payment from İsmail Çalmaz Otomotiv under any name whatsoever, and that you cannot hold İsmail Çalmaz Otomotiv responsible if the Tramer records are incomplete/incorrect/erroneous.

3.8
You accept that İsmail Çalmaz Otomotiv cannot be held responsible for any routine or compulsory maintenance and repair work previously carried out on the purchased vehicle at its authorised service, and that you therefore cannot claim any right or payment from İsmail Çalmaz Otomotiv under any name whatsoever.

4. Representations

4.1
By accepting these Terms and Conditions, you accept, declare and undertake the following.

• a) that you have the legal capacity to enter into a contract to purchase the vehicle;
• b) that you are over 18 years of age;
• c) that all the information and documents you have provided are true and complete and are not false, and that you have not committed any irregularity and/or forgery in the documents;
• d) if you are purchasing the vehicle in the name and on behalf of another person, that you hold a valid and duly executed power of attorney enabling you to act on behalf of the legal owner to purchase the vehicle;
• e) that you have examined the vehicle's existing deficiencies, defects and damage and the related photographs and statements, and that you are purchasing the vehicle knowing and accepting its current condition, of your own free will and in the light of the information contained in the vehicle sale and delivery form.
• f) that you are aware that cosmetic differences smaller than three (3) centimetres, which do not create any problem in terms of safety and comfort, are not mentioned in the listing, since deformation and scratches resulting from ordinary use are likely owing to the nature of a second-hand vehicle.

4.2
If at any time it emerges that the statements you have made may be erroneous, incomplete, false or unfounded, the Company reserves the right, at its own discretion, to exercise the following rights;

• a) to request further documents in order to verify the accuracy of any of the statements;
• b) before the transfer, to refrain from continuing the transfer process;
• c) after the transfer, to claim all direct and indirect losses and damages.

4.3
By accepting these terms and conditions, you accept, declare and undertake to indemnify in full, upon the Company's first demand, all direct and indirect damages, losses and/or expenses, including all lawyers' fees, that may arise in the event of fraud, false statement, irregularity in documents, or inconsistency, conflict or ambiguity in the information you have provided, and in the event of your breach of these terms and conditions.

4.4
If any of the advance payment, the loan down payment or the sale price is paid from a credit card or bank account belonging to a natural or legal person other than you or the person you have authorised by a duly executed power of attorney, you accept, declare and undertake that such payment has been made with the knowledge of the holder of the relevant account or credit card and, should the contrary be established, to indemnify in full, upon the Company's first demand, all direct and indirect damages, losses and/or expenses, including all lawyers' fees, that may arise.

5. Payment Terms

5.1
In order for the vehicle you wish to purchase to be reserved in your name, you must first make an advance payment of 2,500 TL (two thousand five hundred Turkish Lira) and then, within 3 (three) business days, send the full sale price of the vehicle by electronic bank transfer/EFT (electronic funds transfer) to the bank account notified to you by the Company. Following the transfer of the full sale price to the Company's accounts, you will be given payment confirmation and informed of the next steps of the process. It is not possible to make advance payments for more than one vehicle at the same time; you must first make an advance payment for a single vehicle. After making the advance payment for that vehicle, you may make an advance payment for a different vehicle and proceed with the subsequent steps.

5.2
As a rule, the advance payment and the entire remaining amount of the sale price of the vehicle must be paid by you and the vehicle must be registered in your name. If, although the advance payment for the vehicle has been paid by you, the remaining sale price is paid by a third party, or if, although the advance payment and the remaining Sale Price of the vehicle have been paid by you, you request that the vehicle sale contract and/or the vehicle registration certificate be drawn up or registered in the name of a third party in order to complete the transfer, the Company reserves the right not to proceed with the sale or subsequently to cancel the sale. If the Company proceeds with the sale, you accept, declare and undertake that you will be responsible for any damage and liability that may arise, that no liability concerning the ownership of the vehicle may be attributed to the Company since the Company will have fulfilled its transfer obligation at your request, and that you will not assert any claim against the Company. Furthermore, if the Company establishes that you have made a false, incomplete or erroneous statement, it reserves the right to cancel the sale, together with all its legal rights.

5.3
The advance payment and the entire sale price must be paid by the same person, and as a rule the vehicle sale contract and the vehicle registration certificate are to be issued in the name of the person who made the payment. You accept, declare and undertake that, if the sale price of the Vehicle is paid on your behalf by a third party even though the advance payment was paid by you, no liability may be attributed to the Company and you will not assert any claim against the Company in this respect. Furthermore, you accept, declare and undertake that the advance payment you have made for the vehicle will not be refunded under any circumstances and that you will not make any claim in this regard.

5.4
By accepting these terms and conditions, you accept, declare and undertake that, if the vehicle is purchased by a legal entity or a sole proprietorship, the obligation to issue an invoice under the applicable legislation rests with you, and that this obligation will be fulfilled within 7 days of the date of the vehicle sale contract at the latest. Otherwise, you will bear full responsibility for the failure to fulfil this obligation, and the Company reserves the right to claim compensation for its losses and to seek recourse against you for any claims and/or penalties relating to this matter.

5.5
You may apply for a loan to third-party financial institutions/banks with which we cooperate in order to pay the sale price of the vehicle. İsmail Çalmaz Otomotiv has no direct or indirect connection with such third-party finance company other than its contractual relationship.

5.6
If you use the option of paying by loan, you must send the portion of the sale price specified as the down payment under the relevant legislation, in cash and in advance (the "Loan Down Payment"), by electronic bank transfer/EFT to the Company's bank account specified in the vehicle sale and delivery form. If there is any change in the amount of the loan down payment due to such legislation, the Company is obliged to collect the loan down payment at that rate, and you accept this in advance.

5.7
If you apply for a loan, İsmail Çalmaz Otomotiv will act solely as an intermediary between you and the lending bank/financial institution; it makes no commitment that a loan will be granted to you and does not guarantee that your loan application will result in a positive outcome and be approved. A positive outcome of your loan application lies solely at the discretion of the bank/financial institution to which you have applied. İsmail Çalmaz Otomotiv bears no responsibility if your loan application is unsuccessful. In such a case, no legal, administrative or criminal liability, including but not limited to direct and indirect damages, may be attributed to İsmail Çalmaz Otomotiv, and no compensation may be claimed on the basis of such a claim.

5.8
If your loan application results in a positive outcome and is approved, the following will need to be completed accurately, correctly and in full and submitted to the Company's authorised officer or to third parties designated by the Company: the pre-contractual information form for banking services, the pre-contractual information form for vehicle loans, the banking services agreement, the vehicle loan and pledge agreement, information on the loan terms and the repayment schedule, the vehicle loan product information form and the information form on basic banking products and services, documents showing your income, a certificate of residence, the notarised sales contract (in Türkiye, second-hand vehicles are sold before a notary public), a copy of your identity card, the comprehensive (kasko) insurance policy in which the lending institution is named as pledgee and loss payee, the compulsory traffic insurance policy, other insurance policies, a transfer instruction, a letter of undertaking, and other documents that you may be required to provide due to legislative changes and requirements or the policy of the lending institution.

5.9
By accepting these terms and conditions, you accept, declare and undertake that there is no error, fraud, omission, inaccuracy, false statement or irregularity in the information and documents specified in Article 5.5; that, should the contrary be established, the Company's right to compensation, including but not limited to all its direct and indirect damage, as well as all administrative, criminal and legal penalties and compensation, will be borne by you; and that, upon the Company's first written demand, you will immediately pay all amounts, together with interest and ancillary charges, to the Company in cash and in a single payment.

5.10
By accepting these terms and conditions, you accept, declare and undertake that no liability may be attributed to the Company for delays that may arise from the bank/financial institution or from any other cause.

5.11
The sale price of the vehicle has been determined taking into account taxes such as the value added tax and the motor vehicle tax applicable on the date of the listing; in the event of any change in any taxes, traffic registration or registration certificate procedures relating to the vehicle, or of any change in taxes due to the engine cylinder capacity and/or the value of the vehicle, the price difference that may arise on the transfer date as a result of such changes will be reflected in the sale price and paid by you.

6. Completion of Transfer and Delivery

6.1
The sale of the vehicle and the passing of ownership of the vehicle to you will be possible following the completion of the necessary procedures before a notary public and the approval of the relevant registration procedures by the notary (the "Transfer"). For the avoidance of doubt, all taxes, duties and expenses relating to the transfer, including the said notary fee and, if you so request, the fee for a change of number plate, will be paid by you.

6.2
For the transfer and delivery to take place, all of the steps set out below must be completed:

• a) The Company will carry out the transaction on your behalf in its capacity as your authorised representative; the procedures can be completed once the sample power of attorney sent to you by the Company has been executed validly and in due form, by forwarding the power of attorney to the e-mail address [email protected] (you can access the sample power of attorney via the Site). The Company reserves the right to refrain from continuing the transfer process;
• b) You must deliver your documents to the Company's authorised officers by following the procedural steps communicated to you by the Company;
• c) The Notary will carry out all necessary checks relating to the vehicle through the relevant system. If, as a result of such checks, there is no impediment to the sale of the vehicle, the Notary will draw up the necessary transfer documents;
• d) The Notary will enter the vehicle sale contract in the vehicle register and, by registering the vehicle in your name, will issue a vehicle registration certificate. The transfer will take place at this point, and the sale procedures for the vehicle will thus be completed.
• e) Upon completion of the sale procedures, the vehicle will be delivered to the address you request, to the address of your authorised representative or at the Company's head office within 3 (three) to 15 (fifteen) business days. For the avoidance of doubt, the delivery-to-address option is available only to individual customers (end consumers) and is not available to customers who trade in second-hand motor land vehicles, either with an authorisation certificate or covertly without one. The vehicle may only be delivered together with the vehicle sale and delivery form. For the avoidance of doubt, the Company is free to determine the provinces to which deliveries are made and does not guarantee that deliveries will be made to all regions, provinces and districts within the borders of Türkiye; the obligation to confirm, using the Company's communication channels, whether deliveries are made to the region, province and district to which you request delivery rests with you.

6.3
If the transfer does not take place for any reason, including but not limited to a breach of the articles of these terms and conditions, our rights to have recourse to legal remedies are reserved.

7. Warranty Terms

7.1
The warranty terms set out in these terms and conditions have been written in accordance with the relevant legislation; if any change occurs in the warranty terms due to a change in legislation, the Company will give its undertaking in accordance with those terms, and the warranty terms written here will be construed accordingly.

7.2
All your claims relating to the engine, gearbox, torque converter, differential and electrical system of the vehicle are covered by the Company's warranty for 3 (three) months or 5,000 (five thousand) kilometres from the date on which the sale of the vehicle is completed at the notary. Accordingly, our warranty obligation ends upon the expiry of 3 (three) months from completion of the transfer or upon 5,000 (five thousand) kilometres being covered from completion of the transfer (whichever occurs first). Should you have such a claim, you must submit it to İsmail Çalmaz Otomotiv in writing.

7.3
Your claims relating to faults occurring in parts related to the engine, gearbox, torque converter, differential and electrical system will be remedied within a maximum of 45 (forty-five) business days from the date on which you submit the claim to the Company, and the costs incurred will be borne by the Company.

7.4
You must first submit to the Company your claim relating to your vehicle that has broken down within the warranty period or mileage. If the vehicle is delivered to the repair point designated by the Company, a document confirming receipt of the vehicle will be drawn up in two copies, one of which will be given to you. This document will contain information such as: a) The name, surname and signature of the person delivering the vehicle. b) The name, surname and signature of the person receiving the vehicle. c) Complaints and requests relating to the vehicle. d) The make, category, type and model year of the vehicle. e) An undertaking that, if the fault cannot be remedied within 30 (thirty) business days, a replacement vehicle with features similar to those of the delivered Vehicle will be allocated free of charge within 3 (three) days following the 30 (thirty) business days spent on repair. f) The date of the fault notification for the vehicle and the date of its delivery to the Company or to the repair point designated by the Company.

7.5
If a fault occurs within the warranty period or mileage, the time spent on repair will be added to the warranty period.

7.6
The following parts, conditions, operations and faults are excluded from the warranty:

1. Vehicles that have exceeded 8 years of age and/or 160,000 kilometres.
2. Faults and damage documented by the business as having been known to the buyer at the time of sale.
3. Faults and damage stated in the inspection report.
4. Wear and tear occurring in parts such as belts, exhaust, shock absorbers, clutch, front gear set, brake pads and shoes, discs and gaskets due to ordinary use of the vehicle.
5. Unless damaged or lost as a direct result of a fault in a part covered by the warranty: spark plugs, catalytic converters, air filter, oil filter, fuel filter, wiper blades, substances used to fill the air-conditioning circuit, added oils, coolants, brake fluids and other additives.
6. Unless damaged or lost as a direct result of a fault in a part covered by the warranty, costs incurred for the ordinary maintenance of the bodywork and cabin, including the cleaning and repair of seat accessories.
7. Corrosion (bodywork), paint and/or rust, trim, floor mats, tyres, wheel rims, battery, headlamps, parking lamps, and breakage or cracking of glass and headlamps.
8. Electronic parts and components, excluding the engine, gearbox, torque converter, differential and electrical system.
9. Faults caused by non-original parts, and regular preventive operations, checks and adjustments, with or without the replacement of parts.
10. Faults caused by continuing to drive the vehicle even though warning lights indicate a system fault, or by the knowing or unknowing use of unsuitable or poor-quality oils or fuel.
11. Parts damaged or lost as a result of faulty repair, misuse, accident, theft, attempted theft, flood, impact, terrorism, fire, explosion, vandalism or natural disasters.
12. Faults caused by neglect of the vehicle, by its improper use, or by the freezing of fluids necessary for the vehicle to operate properly.
13. Faults arising from maintenance not being carried out in accordance with the inspection and maintenance schedule.
14. Damage and faults arising from a lack of servicing after the sale and/or from any add-on fitted to the vehicle.
15. Vehicles whose registration certificate bears the annotation "Registration record closed upon withdrawal from traffic."
16. Vehicles converted to LPG after manufacture, other than vehicles factory-fitted with LPG.
17. Faults resulting from a shortage of antifreeze, oil and other fluids, and faults caused by external systems, such as the use of the wrong fuel, oil or fluid, LPG, etc.
18. Misuse, overheating and burning, and/or parts not covered by the warranty and faults caused by such parts.
19. Parts that do not comply with the manufacturer's standards or that were not fitted at authorised services.
20. Cases where the odometer has been tampered with or is not working.
21. Material and bodily damage that may be caused to third parties by the insured's vehicle, whether or not arising from a cause covered by the warranty.
22. Losses, faults and damage that may be or have been assessed under another warranty or insurance.
23. Loss of value, loss of earnings, death and disability.
24. Surface deterioration such as breakage, cracking, peeling and blistering.
25. Cleaning of carbon deposits that may form over time.
26. Consequential damage of any kind.
27. Compensation claims relating to damage arising from war risk, sonic boom, nuclear radiation, flood or natural disasters.

7.7
İsmail Çalmaz Otomotiv may appoint a vehicle inspection expert holding a service competence certificate from the Turkish Standards Institution (TSE) to examine and evaluate the claim. For the claim to be accepted, it will need to be proven in the inspection that the defects in the Vehicle existed before the date of sale and prior to the purchase, and also that they are not stated in the vehicle sale and delivery form. The cost of the inspection will be borne by the party found to be at fault in the report.

7.8
These warranty provisions apply only to individual customers (end consumers) and do not apply to vehicles registered in the name of a legal entity. Parts covered by recall or service action campaigns carried out by the manufacturer are not within the scope of these articles.

7.9
Except for the matters regulated in these terms and conditions, your rights arising from the Turkish Consumer Protection Law No. 6502 are reserved.

8. Return Conditions

8.1
You have the right to return the vehicle to the Company within 14 (fourteen) days from the date on which delivery to you is completed. In the event of a return, the Company's tax costs, the inspection costs arising during the re-inspection and the transfer costs will be charged to you. The return conditions are as follows;

• a) that the vehicle has not been involved in any traffic accident during this period, that the vehicle has not been damaged, and that no damage whatsoever has occurred to the vehicle, irrespective of whether through negligence, intent and/or fault,
• b) that the vehicle has not been driven more than 500 (five hundred) kilometres during this period and that no irregularity has been made to the vehicle's mileage,
• c) that the vehicle is exactly the same as in the most recent inspection carried out on the date on which the sale transactions took place,
• d) that the vehicle is delivered to the Company's authorised officers at the place and time specified by the Company within 2 (two) business days following your written notification that you wish to return the vehicle,
• e) that the promotional products and/or services received together with the vehicle are returned,
• f) that no member of the same family and/or no person residing in the same household has, within the last 12 (twelve) months, returned a vehicle previously purchased from the Company in accordance with these terms and conditions,

8.2
If the return conditions set out in Article 8.1 of these terms and conditions are not complied with, İsmail Çalmaz Otomotiv reserves the right to take back the vehicle without refunding the full sale price to you and/or to make a reduced refund by deducting from the sale price the cost of repairing the damage concerned or 100 TL (one hundred Turkish Lira) for each kilometre in excess of 500 (five hundred) kilometres. In such a case, whether the return is carried out lies solely at İsmail Çalmaz Otomotiv's own discretion. If the promotional products and/or services received together with the vehicle are not returned, the Company reserves the right to claim from you and/or to set off the costs of the products and services not returned.

8.3
The return of the vehicle will be accepted only from the buyer. For the avoidance of doubt, the buyer has a right of return for only one vehicle, and this right of return applies as a one-time right per buyer, not per vehicle, within 12 (twelve) months. If the notarial procedures have been completed, the notary costs relating to the return will be borne by you, and apart from this cost the Company has no obligation to pay any compensation fee or any other expense, including but not limited to transport fees.

8.4
If you purchase vehicles more than once and apply to the Company for a return, the Company reserves the right to accept the return after setting off against the sale price all expenses it has incurred, including but not limited to notary costs and transport fees, or to refuse the return without stating any reason, and also the right to refuse to sell to you.

8.5
The return conditions set out under Article 8 of these terms and conditions apply only to individual customers who are end consumers; if it is established that you trade in second-hand motor land vehicles, either with an authorisation certificate or covertly without one, the return conditions will not apply, and the Company reserves the right not to accept the return of the vehicle and even to refuse to sell to you.

8.6
If, as provided in Article 5 of these terms and conditions, you have paid the sale price to the Company by taking out a loan from a bank/financial institution, it is your obligation, in connection with your return request, to inform the bank/financial institution concerned and state that you wish to withdraw from the loan agreement; İsmail Çalmaz Otomotiv has no obligation to provide any notification. If the financial institution/bank is not informed in time or at all, you will be liable for the loan amount, its interest and ancillary charges, and any resulting damages and compensation.

8.7
Following your notification to the bank/financial institution regarding withdrawal from the loan agreement, the portion of the sale price financed by the loan will be refunded by the Company not to you but to the financial institution/bank. The return will be carried out by deducting from the amounts you have paid to the Company any penalty fee, any amounts that have become due, and the principal, interest and ancillary charges that the Company is obliged to pay to the financial institution/bank as a result of your withdrawal from the loan agreement.

8.8
If your return request is found to comply with the conditions set out in Article 8.1, the full sale price will be refunded to the bank account that you notify to the Company within 3 (three) business days following the notification sent to you by the Company confirming that your return request has been approved, and the vehicle will be taken back.

9. Governing Law and Jurisdiction

9.1
Turkish law shall apply to the legal relationships arising from these terms and conditions. The Courts and Enforcement Offices of Izmir shall have jurisdiction to settle any disputes that arise or may arise from these terms and conditions.

10. Miscellaneous Provisions

10.1
If any provision of these terms and conditions is held to be unlawful, invalid or unenforceable, the remaining provisions shall continue to be valid.

10.2
No right or obligation under these terms and conditions may be assigned or transferred to another person.

10.3
The Company's failure to exercise any of its rights under these terms and conditions shall not constitute a waiver and shall not prevent the exercise or enforcement of the relevant rights at a later date.

10.4
These terms and conditions and the vehicle sale contract constitute the entire agreement with respect to the matters they regulate. You accept that you have not acted in reliance on any statement, undertaking, representation, assurance or warranty other than those contained in these terms and conditions and in the vehicle sale contract that you have approved.