Terms And Conditions


You may download and use the "Stars Signatures'' application on your portable technical device, but only under the terms and limitations stated below. The STARS SIGNATURES are owned and registered under this name only by CARIBBEAN JOHNNY Software solution Private Limited (henceforth referred to as the "Company"). You agree to these terms and conditions in full by using STARS SIGNATURES in any way and for any purpose. You are not permitted to access or use the STARS SIGNATURES if you disagree with any of these terms and conditions or any specific point of them.

In terms of the Information Technology Act, 2000 (the "IT Act"), the rules thereunder that apply, and the provisions pertaining to electronic records in various laws or rules as amended by the IT Act and published in accordance with the provisions of applicable laws, this document is an electronic record. These include the Consumer Protection (E-Commerce) Rules 2020, which mandate that the terms of access, privacy policy, and regulations be disclosed for the purpose of using or accessing the platform. Additionally, these applications or platforms are used to reveal the STARS SIGNATURES in these publications. A computer system created this E-Record; no digital or physical signatures are needed.

We update the STARS SIGNATURES app, website, and services often or on a regular basis. STARS SIGNATURES contain terms and conditions that are subject to change, modification, alteration, updating, addition, or discontinuation at any time. The "LAST UPDATED" legend above allows you to examine or amend the relevant terms. It is your obligation to frequently review the terms and conditions listed in STARS SIGNATURES for any changes, modifications, updates, additions, or deletions. Please make sure you are aware of the most recent Terms & Conditions by frequently visiting this page.It will be assumed that you have seen the new terms and conditions and agree to them by using STARS SIGNATURES in any way and in any capacity.

You consent to abide by all terms and conditions set forth by any licensors, suppliers, celebrities, artists, youtubers, vloggers, and information providers (collectively, "STARS SIGNATURES"). This includes paying all fees and adhering to all guidelines and limitations pertaining to the accessibility of goods and services.

We reserve the right to take any legal or other appropriate action, including but not limited to closing or opening access and referring you to the appropriate authorities, if you are unable to follow or obey anything contained herein, if you violate the Terms & Conditions, Privacy Policy, or other rules and policies.

2. Qualification

Users or those who fall under the definition of "incompetent to contract" under the Indian Contract Act, 1872, or any applicable laws in your jurisdiction—including minors, among others—will not be permitted to use the Platform or take advantage of the Services. In compliance with the relevant legislation, any juvenile who wants to use or contribute on this platform must do so through their parents or legal guardian.

Only legitimate uses of the Content, Services, and STARS SIGNATURES are permitted. All laws, rules, and regulations that are relevant to your use of the STARS SIGNATURES, Content, and Services are solely your responsibility to be aware of and to abide with.

When using the STARS SIGNATURES, you are the only one who is in charge of keeping any username, access, or password private. You are also in charge of any activity that takes place using your username, access, or password. It further states that you, or whomever uses your password and login details, shall be held financially responsible for all uses of our site and STARS SIGNATURES.

Only members who have registered are able to access some parts. You must respond to a small set of required questions in order to register as a member. Responses to further inquiries might be required or voluntary. You guarantee and indicate that all of the information you give us about you and other people is true and accurate.

3. Cookies

Cookies are used by STARS SIGNATURES. You grant permission for STARS SIGNATURES to use cookies in accordance with the terms of STARS SIGNATURES's cookies policy and privacy policy by using the STARS SIGNATURES application and accepting these terms and conditions.

4. Content and services available on the STARS SIGNATURES

Among other things, the Platform offers its customers the ability to view customized material made by the artists of their choice in response to their requests. These Terms of Use and any other supplementary terms that are particular to each service that the Company offers, including those that are posted on the Platform, will apply to all of those services.

You can use the Platform to submit a request for a service, which may or may not be approved (schedule according to the recipient, who could be a celebrity or artist). Requests that are canceled or rejected will be subject to refunds in accordance with our cancellation and refund policy, and the maximum amount of time that they can be approved or denied will be disclosed on the platform.

You acknowledge and agree that any material, data, text, information, usernames, graphics, pictures, photos, profiles, audio, video, goods, products, listings, links, or other information posted on the Platform by you, other users, artists, or third parties is not our responsibility or liability. In accordance with these terms of use, "Content" also refers to any text, video, software, scripts, graphics, graphics interchange formats, photos, sounds, music, videos, audio-visual combinations, interactive features, and other materials that you may upload, view, access, or use via the Platform, our services, or the Artist's creations in response to User requests.

You acknowledge and agree that any content that artists post, publish, or offer for publication through the services is their original work. Except as specified herein, the Company does not examine or edit any Content. The Company explicitly disclaims any and all duty in connection with the Content and does not sponsor any opinion, recommendation, or advice stated in any Content contributed over the Platform by any Artist.As previously stated, in its sole discretion, the Company may, but is not obligated to, reject requests, remove content, or block access to the Services at any time, without prior notice to you, and for any reason (including, but not limited to, a request that violates General Prohibitions in response to claims or accusations from authorities or third parties), or for no reason at all. You and any third parties you deal with on or through the Platform, such as Users, Artists, and so forth, are your only business partners. However, the Company may resolve any disagreement at its sole discretion, and in such case, you agree to work with the Company appropriately. Before engaging in the conversation, you should conduct any necessary or suitable research. If a user plans to utilize the platform's services, they agree not to communicate or engage with any artists unless specifically allowed by our platform.You understand and agree that we shall not be held accountable or liable for any losses, costs, expenses, liabilities, or other consequences of any kind arising from any such interaction. By using this release, you free the Company from any and all claims, demands, and damages (actual and consequential) of any sort or character, arising out of or connected in any way to such disputes, our Services, or the Platform, whether known or unknown, suspected or unsuspected, disclosed or undisclosed.

You agree not to bring any form of claim against the Company or its affiliates in the event that you have a disagreement with a third party regarding any service, offering, or interaction via the Services, regardless of whether such claims, demands, or damages compensation are known, guaranteed, or released.

Subject to the limitations outlined below and throughout these terms and conditions, you may read, download pages [or other content] from the website for your own personal use, but only if you use them for caching.

A watermark from STARS SIGNATURES will appear on any media assets created for customers.

5. Rights of Ownership

The STARS SIGNATURES are owned and registered under the sole and exclusive name of CARIBBEANJOHNNY Software solution Private Limited (henceforth referred to as the "Company"). any rights, title, and interest in STARS SIGNATURES, including any copyright, trademark, patent, logos, designs, trade secrets, and other intellectual property rights, are retained by STARS SIGNATURES and its licensors. By virtue of the implementation of national and international treaties, STARS SIGNATURES is safeguarded against infringement, copyright, patent, trade secrets, and other legal restrictions across the globe. These laws would be broken by any illegal use, duplication, or alteration of STARS SIGNATURES. All rights to this intellectual property are reserved, save according to the restricted restrictions listed below.

You promise, unless otherwise specified, not to:

a) Replicate content from this website, even if it is published on another website.
b) The content on the website may be sold, rented, or sublicensed.
c) Display any content from the website for public viewing.
d) Use any part of this website for commercial gain by duplicating, reproducing, copying, or in any other way exploiting it.
e) Change or alter any content on the website in any way. or
f) Redistributing content from this website [except from that which has been made available for redistribution explicitly and specifically].

All Content made accessible through the Services, unless otherwise noted, is either the creation of the Artist or the User. The Company has the right to monitor all account activity on the Platform and to keep an eye on access to and use of the Services, as well as any violation of these Terms of Use, applicable law, or other legal requirements, even though the Company is not required to oversee access to or use of the Services or to review or edit any Content. If the Company receives proper notification that any of your submissions violate the intellectual property rights of another party, it will take down all of your submitted content. Any behavior that impairs the Platform and/or the Services or violates these Terms of Use may be looked into by the Company. You consent to assist the Company in any such investigation in full. In order to pursue users who break the law, the Company may also confer and work with law enforcement.The Company may close or freeze your account immediately if it appears that there has been fraud, abuse, or suspicious activity; if we suspect that you have abused any privilege granted to you as a participant in the Platform; if you have provided false information or made any misrepresentations to the Company in connection with the Platform; or if you have tampered with the Platform in any way or violated these Terms of Use.

6. Trademarks

All marks that appear, are displayed, or are used in connection with "STARS SIGNATURES" are either registered or common law trademarks or service marks of STARS SIGNATURES and STARS SIGNATURES Affiliates. Without prior written permission from STARS SIGNATURES or the applicable STARS SIGNATURES Affiliate, these Marks may not be downloaded, copied, reproduced, used, altered, or disseminated in any way, unless they are an essential component of an authorized copy of the Content.

7. Hyperlinks to external websites

Links to other websites and online resources, including payment methods, may be found on the Platform and Services. A third-party website that has a link from ours does not imply our endorsement or affiliation with it. Any content that may be found on any third-party websites or applications to which links may be active or accessible on STARS SIGNATURES is not our obligation or liability. Before accessing a third-party website, you should carefully read its terms and conditions and privacy statement.

8. Marketing and promotion deals

We occasionally may provide promotional offers, such as discount codes, coupons, vouchers, or account credits (referred to as "Vouchers"). These offers may include limitations and expiration dates that are specified at the time of purchase.

The following terms and conditions shall be applicable, subject to the extra terms of issuing of such Vouchers:

i. As specified in the terms that apply to such Vouchers, Vouchers may be available to all or some Users or certain Artists.
ii. Vouchers may have time, purpose, or use restrictions that must be adhered to. It is not possible to mix more than one voucher.
iii. Vouchers are offered at our complete and exclusive discretion.
iv. Vouchers are contingent upon availability, and we maintain the right to end them at any moment.
v. Vouchers cannot be exchanged for cash payments to the buyer in place of discounts, nor are they transferable.
vi. The vouchers that are issued can have expiration dates, and we have the right to change those dates at any moment.
vii. As disclosed by the Company and/or the relevant third party, vouchers may be given in cooperation with the third parties.
viii.If, in our sole judgment, we determine that a user is not behaving in good faith with regard to the terms of the promotion, we reserve the right to withhold or remove credit from a user account or to discontinue a promotion without prior notice.
xi. Meet and Greet with Famous People: STARS SIGNATURES makes certain that fan inquiries are respectfully forwarded to celebrities, who are free to accept or reject them. This process takes into account the rights of both living and deceased people as well as their emotional sensitivity.

9. Obligations and Rights

You will have a limited, non-exclusive license to use the Services and Content you have purchased on the Platform for the approved purposes and for the approved amount of time as long as you continue to abide by these terms of use and terms and conditions. The User will not become the owner of the Services or the Content.

By using the Services and/or the Content, the User consents to not retransmit, assign, sell, broadcast, rent, share, lend, alter, adapt, edit, license, or in any other way transfer or utilize the materials, in whole or in part. To be clear, unless otherwise agreed, the license to use the Services and/or the Content does not provide you the right to modify, create derivative works, make copies for purposes other than personal use, or utilize the Services and/or the Content for commercial purposes. Your license to use the Services and/or the Content is immediately terminated without further notice if you violate any of the terms stated below.The aforementioned license is granted, and it will remain granted, provided you abide by these Terms of Use and the policies of any app store where you obtained the Platform. Any copyright and/or other intellectual property notices, as well as watermarks, must not be removed or altered from any Services or Content. Any attempt to deceive the Company may lead to the termination of your Account, without limiting the Company's other rights or remedies.

The material you contribute to this website for any purpose, including text, photos, audio, video, and audio-visual material, is referred to in these terms and conditions as "your user content." You give STARS SIGNATURES permission to use, copy, adapt, publish, translate, and distribute your user material in any media now in circulation or in the future, without restriction or revocation. Additionally, you give STARS SIGNATURES the authority to sublicense these rights and to file a lawsuit against anyone who infringes on them.Your user content must not violate any laws, be illegal or unlawful, not violate the rights of any third party, and not have the potential to be used as grounds for legal action against you, STARS SIGNATURES, or a third party (in each case under any relevant law). It is strictly forbidden for you to upload any user content to STARS SIGNATURES that is currently or has ever been the target of a legal action, lawsuit, or other similar complaint. Any content uploaded to this website, saved on STARS SIGNATURES'S servers, or hosted or published on STARS SIGNATURES in any way is subject to editing or removal at the discretion of STARS SIGNATURES.STARS SIGNATURES disclaims any obligation to oversee the submission or publication of user content on STARS SIGNATURES, despite STARS SIGNATURES'S rights under these terms and conditions regarding user content. The celebrity's work may or may not align with the script that the user provided at the time of booking; STARS SIGNATURES shall not be held responsible for any departure from the user's original expectations as outlined in the script. STARS SIGNATURES is a platform for booking. We combine vendors and end consumers. In the event that a vendor-related accident, wrongdoing, disaster, etc. occurs, STARS SIGNATURES shall not be liable.

STARS SIGNATURES retains the right to censor, alter, remove, or forbid the transmission or receipt of any material that it deems improper or in violation of these terms and conditions. STARS SIGNATURES may periodically monitor and examine any information provided or received. Your use of STARS SIGNATURES indicates that you agree to the monitoring and review of the information, which may involve examination, recording, or copying.You grant STARS SIGNATURES and its affiliates a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any form, media, or technology if you submit suggestions, ideas, comments, or questions, or post any other information. STARS SIGNATURES disclaims all duty and responsibility for any content you post or submit, as well as for any comments made in response to such content. We respect your opinions and are grateful for your thoughts and suggestions, but we might not be able to address them all.

10. Fees

When you buy, reserve, or book any goods or services through STARS SIGNATURES, the company may charge a fee or commission for the transaction. Such a service charge is not returnable. The cancellation and rejection policy applies to the same. Furthermore, any costs, fees, duties, taxes, and assessments resulting from your use of STARS SIGNATURES will be your responsibility.

11. Privacy

We pledge to protect both your privacy and the privacy of everyone else who uses our services. Please refer to our Privacy Policy for further details about how we could use your personal information. You accept the terms stated in our Privacy Policy, which is incorporated into these terms by reference, by using any of the services.

12. Alternative services

In addition, STARS SIGNATURES offers birthday surprise, chief guest invitations, and brand endorsement services. In order to provide such a service, STARS SIGNATURES must separately negotiate terms and conditions with the relevant parties, artists, companies, etc. To the extent it is not in conflict with the terms and conditions as agreed upon between the parties, the terms and conditions listed above shall also apply, mutatis mutandis, to such services.

13. Broad Prohibitions

Apart from the legal prohibitions that apply to you, you consent to refrain from doing or permit anybody to perform any of the following:

a). Posting, requesting, uploading, publishing, submitting, or transmitting any content that:

i) violates, misappropriates, or infringes upon the patent, copyright, trademark, trade secret, moral rights, or other intellectual property rights of third parties; or infringes upon their rights of publicity or privacy.
ii) contravenes, or incites, any behavior that would contravene, give rise to tortious liability, be deemed an offense under civil, criminal, commercial, fiscal, or terrorist laws, or otherwise violate any law currently in effect in the jurisdiction in which you currently reside and/or from which you accessed STARS SIGNATURES.
iii) Is dishonest, untrue, deceptive, or fraudulent.
iv) Is illegal, obscene, indecent, profane, libellous, threatening, or defamatory.
v) Encourages or represents bigotry, racism, hatred, harassment, discrimination, or injury to any person or group.
vi) Is threatening or aggressive, or encourages behavior that poses a threat to any individual or organization.
vii) Encourages the use of dangerous or illicit substances or activities.
viii) contains, without permission, any other person's personal or contact information. or
ix) contravenes any content guidelines that the Company has made available for the Services.
x) Endangers the safety or health of the public. promotion of tobacco products, such as cigarettes, or the use of intoxicants, such as alcohol, Electronic Nicotine Delivery System (ENDS) and similar products that facilitate the delivery of nicotine, unless specifically authorized by the Drugs and Cosmetics Act, 1940 and its implementing regulations.
xi) Endangers Critical Information Infrastructure as that term is defined in the IT Act's Explanation of Subsection (1) of Section 70.
xii) Use automated systems to initiate chats or send any unapproved or unsolicited advertising, promotional materials, emails, junk mail, spam, chain letters, or other types of solicitations.
xiii)transmit any computer programming routines, Trojan horses, worms, time bombs, or other destructive code that could harm, disrupt, or attempt to disrupt, intercept, the regular operation of STARS SIGNATURES, or appropriate STARS SIGNATURES or any system; or perform any action that places an excessive burden on our computer equipment or violates the rights of a third party.
xiv) You will not access, acquire, copy, or monitor any portion of the Platform, Services, or Content by using any "deep-link," "page-scrape," "robot," "spider," or other automatic device, program, algorithm, or methodology, or any comparable or equivalent manual process. Moreover, you will not replicate or evade the Platform, Services, or Content's navigational structure or presentation in any way, or attempt to obtain any materials, documents, or information through any means that is not specifically made available through the Platform.
xv) You are not permitted to advertise to other users or artists on the platform, nor to encourage them to buy or sell any goods or services, including but not restricted to goods or services connected to what is shown on the platform or to us.
xvi) It is forbidden to share personalized content created by artists on social media sites in a deceptive or commercial manner.

b). Persuade or allow someone else to carry out any of the aforementioned actions.

It is forbidden for you to use or access STARS SIGNATURES in any way that could, in our reasonable opinion, negatively impact its functionality or performance, or any other computer systems or networks that it uses, other users or members, or in any other way that could reasonably be interpreted by STARS SIGNATURES as a violation of its own rights and privilege as the exclusive and uncontested owner of all rights, title, and interest in and related to STARS SIGNATURES and all of its content.

14. Limitations

Certain sections of the aforementioned STARS SIGNATURES application are inaccessible. Access to [other] sections of the STARS SIGNATURES, or even the entire STARS SIGNATURES, may be restricted at STARS SIGNATURES's sole discretion.

You agree to maintain the confidentiality of the user ID and password that STARS SIGNATURES may supply you in order to access STARS SIGNATURES's restricted areas as well as other information or services. Your user ID and password may be disabled by STARS SIGNATURES at any time, for any reason, and without prior notice.

15. Verification

In the event that you use all or part of STARS SIGNATURES, violate any law or the rights of a third party, or breach this agreement, you agree to indemnify and hold harmless STARS SIGNATURES and its parents, subsidiaries, affiliates, officers, directors, employees, attorneys, and agents from and against any and all claims, costs, damages, losses, liabilities, and expenses (including attorneys' fees and costs).

16. Termination

If you don't follow this Agreement, STARS SIGNATURES has the right, at its sole discretion, to delete and discard any information within, as well as to cancel your password, account, and usage of the service. You have the right to cancel your user account at any time by giving STARS SIGNATURES notice. Nevertheless, you won't be reimbursed for any part of the money you paid to STARS SIGNATURES. You may request a file of your data, which STARS SIGNATURES will provide for a fee, in the event that STARS SIGNATURES terminates this agreement or at your request. To obtain such a file at the time of the cancellation request, you must submit such a request at the time of the termination notification. Your right to use an account and the Service instantly ends when you terminate it. STARS SIGNATURES disclaims any responsibility for keeping any data in your account current or for sending any data to you or any other party. You shall immediately cease using STARS SIGNATURES upon such termination or suspension, and destroy all copies of STARS SIGNATURES that you may have produced. It is trespassing to access STARS SIGNATURES following such termination, suspension, or cessation. You will not be held liable by STARS SIGNATURES for any suspension or termination.

17. Warranties disclaimed

Regarding the Site, the STARS SIGNATURES, Content, Products, or Services—all of which are offered on a "as is" basis—STARS SIGNATURES and STARS SIGNATURES Affiliates make no warranties of any kind. In particular, STARS SIGNATURES and STARS SIGNATURES Affiliates disclaim all representations and warranties, including but not limited to, the absence of errors, viruses, or other harmful components; the security and uninterruptibility of communications to or from STARS SIGNATURES; the uninterrupted availability of services and other capabilities from STARS SIGNATURES; and the accuracy, completeness, and timeliness of its content. STARS SIGNATURES does not endorse or suggest any product or service that is offered on the site.

Apart from the warranties that are implied by law and cannot be excluded, restricted, or modified under the applicable laws, Stars Signatures and its affiliates explicitly disclaim all warranties and conditions, including but not limited to fitness for a particular purpose, title, non-infringement, and those arising from statutes, other legal requirements, business dealings, or use of trade.

You bear all risk when using STARS SIGNATURES. STARS SIGNATURES Affiliates are independent contractors, not agents or staff of STARS SIGNATURES, and provide goods or services through STARS SIGNATURES. Regardless of how this site is used, neither STARS SIGNATURES nor STARS SIGNATURES AFFILIATES will ever be liable to any party for any direct, indirect, special, or other consequential damages.

18. General Conditions

You do not enter into a joint venture, partnership, employment, or agency relationship with us by accepting these Terms and using STARS SIGNATURES. Under these Terms, you are not permitted to assign, delegate, or transfer any of your rights or duties. We do not give up our right to take action in the future or in response to similar breaches if we do not take action about your breach or any other breach on any occasion. In the event that a court rules that any of these terms are illegal or unenforceable, the other terms will still be enforceable and valid to the maximum degree allowed by relevant law.For your convenience and reference, these Terms have headers. These Terms are unaffected or limited by them. All past understandings or agreements (written or oral) regarding your use of STARS SIGNATURES are superseded by these Terms and the things made a part of these terms by reference. This constitutes the complete agreement between us regarding your use of our site.

19. Ability to be severed

The remaining parts of these terms and conditions will remain in force if a court or other competent authority rules that any one of them is illegal or unenforceable. Any illegal and/or unenforceable provision that, if some of it were removed, would still be legal and enforceable will be considered to be in place, with the remaining portion remaining in force.

20. Unexpected Events

We shall not be liable for any delay or failure to perform that results from any act of God, labor disputes, strikes, natural disasters, floods, lightning, severe weather, shortages of materials, rationing, pandemic or epidemic, infection by any virus, Trojan horse, or other disruptive mechanisms, hacking or unauthorized use of the Platform, utility or communication outages, war, revolution, terrorist acts, civil unrest, acts of public enemies, blockade, embargo, or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority/representative of any such government, or any other act whatsoever, whether similar or dissimilar to those mentioned in this clause. Our duties under these terms of use will be suspended for the duration of any Force Majeure event that prevents us from performing our obligations under them.

21. Assignment

You acknowledge and agree that there will be no third party beneficiaries, unless otherwise specifically stated in these Terms. Any of our rights and duties under this agreement may be assigned, transferred, or delegated without our consent.

22. Conflicts

You are entering into a legally binding contract with the aforementioned legal entity by accepting these terms. A single arbitrator who will be chosen and appointed by STARS SIGNATURES will hear disputes that come up between you and the company during or after you use the service. These disputes will be related to and arise from your use or attempt to use STARS SIGNATURES. The aforementioned person must be a well-known and respected professional with appropriate qualifications. Coimbatore will serve as the arbitration's location.The Arbitration and Conciliation Act, 1996 and any amendments thereto that are in effect at the relevant time shall control and be construed in line with the aforementioned arbitration proceedings. Subject only to the substantive and procedural laws of India and to the exclusive jurisdiction of the relevant courts located in Coimbatore, Tamil Nadu, India.

You accept the terms and conditions stated in this agreement by using our services. This agreement is subject to change at any time. We reserve the right to modify the "last updated" date if we make any modifications to this policy.

You acknowledge and accept that it is your alone responsibility to check these terms and conditions from time to time.

23. Cancellation and Refund Policy

The following will be our cancellation and refund policy:

The prices listed on the app or website are all-inclusive. The order includes a display of these prices. The amount is charged in Indian Rupees and is converted at the current exchange rate when the order is forwarded to the payment gateway.

In addition to accepting a variety of credit and debit cards from overseas and India, we also provide additional payment methods.

We will reimburse you for the full purchase price if your request is denied or is not fulfilled within the Delivery Period, which is the estimated delivery date that was given to you at the time of purchase. Refunds must be made using the same payment method and platform as were used at the time of purchase, and they must begin no later than seven business days after the delivery period has expired or the rejection has been announced, whichever the case may be.The actual amount of payment or refund, if any, may differ from the pricing or refund amounts stated when transactions were made using international credit or debit cards or international payment alternatives. This variation can be attributed to the policies of your card issuer or payment gateway, as well as conversion rates. Users are responsible for paying any such difference in the conversion rate as well as any additional fees.

Please get in touch with your bank or the issuer of your credit or debit card if the allotted time frame has expired and you have not received your refund. The credit card issuing company may impose a transaction charge for any charges or refunds made after an overseas credit card has been used. The issuing bank determines the relevant fee. The Users are responsible for paying any fees.

Please get in touch with us if you have any inquiries concerning our Returns and returns Policy or your anticipated returns.