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Skill Fantasy
☞ Skill Fantasy is the flagship brand of Capermint Technologies.
☞ Through Skill Fantasy one can play a traditional Skill game against any real player who is online & can also play against his / her friend.
☞ One can also play against computer to practice his / her moves.
Usage of Skill Fantasy
☞ Any person utilizing Skill Fantasy or the Skill Fantasy App (“User”) for availing the online gaming services offered therein or participating in the various contests and games, being conducted on Skill Fantasy shall be bound by these Terms and Conditions, and all other rules, regulations and terms of use referred to herein or provided by Skill Fantasy in relation to any Skill Fantasy Services.
☞ Skill Fantasy shall be entitled to modify these Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Skill Fantasy in relation to any Skill Fantasy Services at any time, by posting the same on Skill Fantasy app or website. Use of Skill Fantasy constitutes the User’s acceptance of such Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Skill Fantasy in relation to any Skill Fantasy Services, as may be amended from time to time. Skill Fantasy may also notify the user of any change or modification in these Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Skill Fantasy, by way of sending an email to the User’s registered email address or posting notifications in the User accounts. The User may then exercise the options provided in such an email or notification to indicate non-acceptance of the modified Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Skill Fantasy. If such options are not exercised by the User within the time frame prescribed in the email or notification, the User will be deemed to have accepted the modified Terms and Conditions, rules, regulations and terms of use referred to herein or provided by Skill Fantasy.
☞ Certain Skill Fantasy Services being provided on Skill Fantasy may be subject to additional rules and regulations set down in that respect. To the extent that these Terms and Conditions are inconsistent with the additional conditions set down, the additional conditions shall prevail.
☞ Skill Fantasy may, at its sole and absolute discretion:
☞ In the event any User breaches, or Skill Fantasy reasonably believes that such User has breached these Terms and Conditions, or has illegally or improperly used Skill Fantasy or the Skill Fantasy Services, Skill Fantasy may, at its sole and absolute discretion, and without any notice to the User, restrict, suspend or terminate such User’s access to all or any part of Skill Fantasy or the Skill Fantasy Services, deactivate or delete the User’s account and all related information on the account, delete any content posted by the User on Skill Fantasy and further, take technical and legal steps as it deems necessary.
☞ If Skill Fantasy charges its Users a platform fee in respect of any Skill Fantasy Services, Skill Fantasy shall, without delay, repay such platform fee in the event of suspension or removal or the User’s account or Skill Fantasy Services on account of any negligence or deficiency on the part of Skill Fantasy, but not if such suspension or removal is effected due to:
☞ Users consent to receiving communications such as announcements, administrative messages and advertisements from Skill Fantasy or any of its partners, licensors or associates.
How do i withdrawal cash
☞ You can withdraw your winning amount only from the win wallet. When you will win more than 50rs. as a winning amount, you can transfer this amount through Paytm or bank transfer. For any financial transaction, have no worries because we follow secure payment gateways.
Intellectual Property
☞ Skill Fantasy includes a combination of content created by Skill Fantasy, its partners, licensors, associates and/or Users. The intellectual property rights (“Intellectual Property Rights”)in all software underlying Skill Fantasy and the Skill Fantasy Services and material published on Skill Fantasy, including (but not limited to) games, Contests, software, advertisements, written content, photographs, graphics, images, illustrations, marks, logos, audio or video clippings and Flash animation, is owned by Skill Fantasy, its partners, licensors and/or associates. Users may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works of, distribute, publicly perform, publicly display, or in any way exploit any of the materials or content on Skill Fantasy either in whole or in part without express written license from Skill Fantasy.
☞ Users may request permission to use any Skill Fantasy content by writing in to Skill Fantasy Helpdesk.
☞ Users are solely responsible for all materials (whether publicly posted or privately transmitted) that they upload, post, e-mail, transmit, or otherwise make available on Skill Fantasy(“Users’ Content”) Each User represents and warrants that he/she owns all Intellectual Property Rights in the User’s Content and that no part of the User’s Content infringes any third party rights. Users further confirm and undertake to not display or use of the names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights of any third party on Skill Fantasy. Users agree to indemnify and hold harmless Skill Fantasy, its directors, employees, affiliates and assigns against all costs, damages, loss and harm including towards litigation costs and counsel fees, in respect of any third party claims that may be initiated including for infringement of Intellectual Property Rights arising out of such display or use of the names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights on Skill Fantasy, by such User or through the User’s commissions or omissions.
☞ Users hereby grant to Skill Fantasy and its affiliates, partners, licensors and associates a worldwide, irrevocable, royalty-free, non-exclusive, sub-licensable license to use, reproduce, create derivative works of,distribute, publicly perform, publicly display, transfer, transmit, and/or publish Users’ Content for any of the following purposes:
displaying Users’ Content on Skill Fantasy
distributing Users’ Content, either electronically or via other media, to other Users seeking to download or otherwise acquire it, and/or
storing Users’ Content in a remote database accessible by end users, for a charge.
This license shall apply to the distribution and the storage of Users’ Content in any form, medium, or technology.
☞ All names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights on Skill Fantasy(s) belonging to any person (including User), entity or third party are recognized as proprietary to the respective owners and any claims, controversy or issues against these names, logos, marks, labels, trademarks, copyrights or intellectual and proprietary rights must be directly addressed to the respective parties under notice to Skill Fantasy.
Third Party Sites, Services and Products
☞ Skill Fantasy may contain links to other Internet sites owned and operated by third parties. Users’ use of each of those sites is subject to the conditions, if any, posted by the sites. Skill Fantasy does not exercise control over any Internet sites apart from Skill Fantasy, and cannot be held responsible for any content residing in any third party Internet site. Skill Fantasy’s inclusion of third-party content or links to third-party Internet sites is not an endorsement by Skill Fantasy of such third-party Internet site.
☞ Users’ correspondence, transactions or related activities with third parties, including payment providers and verification service providers, are solely between the User and that third party. Users’ correspondence, transactions and usage of the services of such third party shall be subject to the terms and conditions, policies and other service terms adopted/implemented by such third party, and the User shall be solely responsible for reviewing the same prior to transacting or availing of the services of such third party. User agrees that Skill Fantasy will not be responsible or liable for any loss or damage of any sort incurred as a result of any such transactions with third parties. Any questions, complaints, or claims related to any third party product or service should be directed to the appropriate vendor.
☞ Skill Fantasy contains content that is created by Skill Fantasy as well as content provided by third parties. Skill Fantasy does not guarantee the accuracy, integrity, quality of the content provided by third parties and such content may not relied upon by the Users in utilizing the Skill Fantasy Services provided on Skill Fantasy including while participating in any of the contests hosted on Skill Fantasy.
☞ Privacy Policy
☞ All information collected from Users, such as registration and credit card information, is subject to Skill Fantasy’s Privacy Policy which is available atPrivacy Policy
☞ User Conduct
☞ Users agree to abide by these Terms and Conditions and all other rules, regulations and terms of use of the Website. In the event User does not abide by these Terms and Conditions and all other rules, regulations and terms of use, Skill Fantasy may, at its sole and absolute discretion, take necessary remedial action, including but not limited to:
restricting, suspending, or terminating any User’s access to all or any part of Skill Fantasy Services;
deactivating or deleting a User’s account and all related information and files on the account. Any amount remaining unused in the User’s Game account or Winnings Account on the date of deactivation or deletion shall be transferred to the User’s bank account on record with Skill Fantasy subject to a processing fee (if any) applicable on such transfers as set out herein; or
refraining from awarding any prize(s) to such User.
☞ Users agree to provide true, accurate, current and complete information at the time of registration and at all other times (as required by Skill Fantasy). Users further agree to update and keep updated their registration information.
☞ A User shall register or operate more than one User account with Skill Fantasy.
☞ Users agree to ensure that they can receive all communication from Skill Fantasy by marking e-mails from Skill Fantasy as part of their “safe senders” list. Skill Fantasy shall not be held liable if any e-mail remains unread by a User as a result of such e-mail getting delivered to the User’s junk or spam folder.
☞ Any password issued by Skill Fantasy to a User may not be revealed to anyone else. Users may not use anyone else’s password. Users are responsible for maintaining the confidentiality of their accounts and passwords. Users agree to immediately notify Skill Fantasy of any unauthorized use of their passwords or accounts or any other breach of security.
☞ Users agree to exit/log-out of their accounts at the end of each session. Skill Fantasy shall not be responsible for any loss or damage that may result if the User fails to comply with these requirements.
☞ Users agree not to use cheats, exploits, automation, software, bots, hacks or any unauthorised third party software designed to modify or interfere with Skill Fantasy Services and/or Skill Fantasy experience or assist in such activity.
☞ Users agree not to copy, modify, rent, lease, loan, sell, assign, distribute, reverse engineer, grant a security interest in, or otherwise transfer any right to the technology or software underlying Skill Fantasy or Skill Fantasy Services.
☞ Users agree that without Skill Fantasy’s express written consent, they shall not modify or cause to be modified any files or software that are part of Skill Fantasy’s Services.
☞ Users agree not to disrupt, overburden, or aid or assist in the disruption or overburdening of (a) any computer or server used to offer or support Skill Fantasy or the Skill Fantasy Services (each a “Server”); or (2) the enjoyment of Skill Fantasy Services by any other User or person.
☞ Users agree not to institute, assist or become involved in any type of attack, including without limitation to distribution of a virus, denial of service, or other attempts to disrupt Skill Fantasy Services or any other person’s use or enjoyment of Skill Fantasy Services.
☞ Users shall not attempt to gain unauthorised access to the User accounts, Servers or networks connected to Skill Fantasy Services by any means other than the User interface provided by Skill Fantasy, including but not limited to, by circumventing or modifying, attempting to circumvent or modify, or encouraging or assisting any other person to circumvent or modify, any security, technology, device, or software that underlies or is part of Skill Fantasy Services.
☞ Without limiting the foregoing, Users agree not to use Skill Fantasy for any of the following:
☞ If a User chooses a username that, in Skill Fantasy’s considered opinion is obscene, indecent, abusive or that might subject Skill Fantasy to public disparagement or scorn, Skill Fantasy reserves the right, without prior notice to the User, to change such username and intimate the User or delete such username and posts from Skill Fantasy, deny such User access to Skill Fantasy, or any combination of these options.
☞ Unauthorized access to Skill Fantasy is a breach of these Terms and Conditions, and a violation of the law. Users agree not to access Skill Fantasy by any means other than through the interface that is provided by Skill Fantasy for use in accessing Skill Fantasy. Users agree not to use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor, or copy any part of our sites, except those automated means that we have approved in advance and in writing.
☞ Use of Skill Fantasy is subject to existing laws and legal processes. Nothing contained in these Terms and Conditions shall limit Skill Fantasy’s right to comply with governmental, court, and law-enforcement requests or requirements relating to Users’ use of Skill Fantasy.
☞ Users may contact Skill Fantasy Helpdesk a with problems or questions, as appropriate.
☞ Skill Fantasy may not be held responsible for any content contributed by Users on the Skill Fantasy.
☞ Registration
☞ In order to register for the Contest(s), Participants may required to accurately provide the following information:
☞ For getting any winning amount, participant may require to share his /her bank account details correctly
☞ Skill Fantasy is not liable for any transaction, if details provided by the user are incorrect.
☞ A participant will receive his/ her winnings in his bank account within 24-48 hrs of submitting redeem request.
☞ If there is any delay in receiving the winning amount, a participant can directly contact Skill Fantasy Helpdesk.
☞ Participants may also required to confirm that they have read, and shall abide by, these Terms and Conditions.
☞ In the event a Participant indicates, while entering an address, that he/she is a resident of either Assam, Odisha or Telangana, such Participant will not be permitted to proceed to sign up for any round in the paid version of the Contest as described below.
☞ Contest(s), Participation and Prizes
☞ Skill Fantasy offers a platform where one can purchase coins on Skill Fantasy through Credit card, Net Banking, Debit card or Paytm wallet. Through purchased coins a participant can challenge his / her friend or any random online player & can play a game against any opponent by selecting a proper playing table.
☞ Any player who lose the game, will get its coins deducted at the very instant of losing the game equivalent to the playing table amount & the player who wins the game will get the winning coins in his Skill Fantasy wallet.
☞ For every winning, Skill Fantasy will deduct 18 % of the winning coins as a Platform fee & GST Taxations
☞ Winning coins would be immediately reflected in the winners Skill Fantasy Wallet after deduction of Skill Fantasy platform fee.
☞ A participant can redeem his/ her coins into the bank account or in Paytm wallet by submitting a redeem request & by providing correct bank or Paytm details.
☞ A participant can redeem coins from his / her Skill Fantasy wallet if & only if participant’s Skill Fantasy wallet has minimum of 200 coins.
☞ Skill Fantasy shall not charge any processing fee for the online transfer of winning amount from user’s wallet to the User’s bank account on record with Skill Fantasy. Users are requested to note that they will be required to provide correct bank details accordingly.
☞ Any player who exits the game in between or not play on his turn for thrice would be considered a loser & coins would be deducted from his account & credited to winner’s wallet.
☞ Skill Fantasy is not liable for any network connectivity issue faced by user.
☞ Skill Fantasy will give user 120 seconds ( 2 minutes ) of airtime to resettle its connectivity & completion of game.
☞ Only a participant can use his/her coins in 1 on 1 mode & Friends mode. Coins would be unutilized in practice mode.
☞ Legality of Game of Skill
☞ Games of skill are legal, as they are excluded from the ambit of Indian gambling legislations including, the Public Gambling Act of 1867.The Indian Supreme Court in the cases of State of Andhra Pradesh v. K Satyanarayana (AIR 1968 SC 825) and KR Lakshmanan v. State of Tamil Nadu (AIR 1996 SC 1153) has held that a game in which success depends predominantly upon the superior knowledge, training, attention, experience and adroitness of the player shall be classified as a game of skill.
☞ The contest described above is prominently a game of skill, once you get that number how you play involves a strategy, planning & skill. Do you move the same token over and over again until it reaches the end? Or do you move different tokens at different times to ensure that they stay safe and away from the opponent’s tokens? Or do you use your token to kill the opponent’s tokens ? How to manage your tokens on the safe points ( stars ) to let it unaffected by opponent’s token
☞ Skill is a game where lot of concentration, planning, strategy to understand opponent’s planning is required to win a game.
☞ A player with good experience & understanding of Skill skills with best of strategy building skills along with excellent presence of mind can dominate.
☞ Skill Fantasy therefore offers a practice mode to let all players play & test their skills before joining any paid mode,
☞ Skill Fantasy highly recommends that if a player is inexperienced or not good with Skill skills then he/ she should spent lot of time playing on practice mode to enhance his /her skills as skills are really required to correctly strategize the moves after getting a number on roll of dice
☞ So a participant should have a high level of skill & need to have a good strategy in order to successfully win at Skill.
☞ By participating in this Contest(s), each Participant acknowledges and agrees that he/she is participating in a game of skill.
☞ Eligibility
☞ The Contest(s) are open only to persons above the age of 18 years.
☞ The Contest(s) are open only to persons, currently residing in India.
☞ Skill Fantasy may, in accordance with the laws prevailing in certain Indian states, bar individuals residing in those states from participating in the Contest(s). Currently, individuals residing in the Indian states of Assam, Odisha or Telangana may not participate in the paid version of the Contest as the laws of these states bar persons from participating in games of skill where participants are required to pay to enter.
☞ Persons who wish to participate must have a valid email address.
☞ Only those Participants who have successfully registered on the Skill Fantasy as well as registered prior to each round in accordance with the procedure outlined above shall be eligible to participate in the Contest and winnings.
☞ Payable All prizes shall be subject to deduction of tax (“TDS”) as per the Income Tax Act 1961. Winners will be provided TDS certificates in respect of such tax deductions. The Winners shall be responsible for payment of any other applicable tax, including but not limited to, income tax, gift tax, etc. in respect of the prize Fantasy.
☞ Miscellaneous The decision of Skill Fantasy with respect to the awarding of prizes shall be final, binding and non- contestable. Participants playing the paid formats of the Contest(s) confirm that they are not residents of any of the following Indian states – Assam, Odisha or Telangana. If it is found that a Participant playing the paid formats of the Contest(s) is a resident of any of the abovementioned states, Skill Fantasy shall disqualify such Participant and forfeit any prize won by such Participant. Further Skill Fantasy may, at its sole and absolute discretion, suspend or terminate such Participant’s account with Skill Fantasy. Any amount remaining unused in the User’s Game Account or Winnings Account on the date of deactivation or deletion shall be reimbursed to the User by an online transfer to the User’s bank account on record with Skill Fantasy, subject to the processing fee (if any) applicable on such transfers as set out herein. If it is found that a Participant playing the paid formats of the Contest(s) is under the age of eighteen (18), Skill Fantasy shall be entitled, at its sole and absolute discretion, to disqualify such Participant and forfeit his/her prize. Further, Skill Fantasy may, at its sole and absolute discretion, suspend or terminate such Participant. All prizes are non-transferable and non-refundable. Prizes cannot be exchanged / redeemed for cash or kind. No cash claims can be made in lieu of prizes in kind.
☞ General Conditions
☞ If it comes to the notice of Skill Fantasy that any governmental, statutory or regulatory compliances or approvals are required for conducting any Contest(s) or if it comes to the notice of Skill Fantasy that conduct of any such Contest(s) is prohibited, then Skill Fantasy shall withdraw and / or cancel such Contest(s) without prior notice to any Participants or winners of any Contest(s). Users agree not to make any claim in respect of such cancellation or withdrawal of the Contest, or contest it in any manner.
☞ Release and Limitations of Liability
☞ Users shall access the Skill Fantasy Services provided on Skill Fantasy voluntarily and at their own risk. Skill Fantasy shall, under no circumstances be held responsible or liable on account of any loss or damage sustained (including but not limited to any accident, injury, death, loss of property) by Users or any other person or entity during the course of access to the Skill Fantasy Services (including participation in the Contest(s)) or as a result of acceptance of any prize.
☞ By entering the Skill Fantasy and accessing the Skill Fantasy Services provided therein, Users hereby release from and agree to indemnify Skill Fantasy, and/ or any of its directors, employees, partners, associates and licensors, from and against all liability, cost, loss or expense arising out their access to the Skill Fantasy Services including (but not limited to) personal injury and damage to property and whether direct, indirect, consequential, foreseeable, due to some negligent act or omission on their part, or otherwise.
☞ Skill Fantasy accepts no liability, whether jointly or severally, for any errors or omissions, whether on behalf of itself or third parties
☞ Users shall be solely responsible for any consequences which may arise due to their access of Skill Fantasy Services by conducting an illegal act or due to non-conformity with these Terms and Conditions and other rules and regulations in relation to Skill Fantasy Services, including provision of incorrect address or other personal details. Users also undertake to indemnify Skill Fantasy and their respective officers, directors, employees and agents on the happening of such an event (including without limitation cost of attorney, legal charges etc.) on full indemnity basis for any loss/damage suffered by Skill Fantasy on account of such act on the part of the Users.
☞ Users shall indemnify, defend, and hold Skill Fantasy harmless from any third party/entity/organization claims arising from or related to such User’s engagement with the Skill Fantasy or participation in any Contest. In no event shall Skill Fantasy be liable to any User for acts or omissions arising out of or related to User’s engagement with the Skill Fantasy or his/her participation in any Contest(s).
☞ In consideration of Skill Fantasy allowing Users to access the Skill Fantasy Services hosted on the Skill Fantasy, to the maximum extent permitted by law, the Users waive and release each and every right or claim, all actions, causes of actions (present or future) each of them has or may have against Skill Fantasy, its respective agents, directors, officers, business associates, group companies, sponsors, employees, or representatives for all and any injuries, accidents, or mishaps (whether known or unknown) or (whether anticipated or unanticipated) arising out of the provision of Skill Fantasy Services or related to the Contests or the prizes of the Contests.
☞ Disclaimers
☞ To the extent permitted under law, neither Skill Fantasy nor its parent/holding company, subsidiaries, affiliates, directors, officers, professional advisors, employees shall be responsible for the deletion, the failure to store, the mis-delivery, or the untimely delivery of any information or material.
☞ To the extent permitted under law, Skill Fantasy shall not be responsible for any harm resulting from downloading or accessing any information or material, the quality of servers, games, products, Skill Fantasy services or sites, cancellation of competition and prizes. Skill Fantasy disclaims any responsibility for, and if a User pays for access to one of Skill Fantasy’s Services the User will not be entitled to a refund as a result of, any inaccessibility that is caused by Skill Fantasy’s maintenance on the servers or the technology that underlies our sites, failures of Skill Fantasy’s service providers (including telecommunications, hosting, and power providers), computer viruses, natural disasters or other destruction or damage of our facilities, acts of nature, war, civil disturbance, or any other cause beyond our reasonable control. In addition, Skill Fantasy does not provide any warranty as to the content on the Skill Fantasy(s). Skill Fantasy(s) content is distributed on an “as is, as available” basis.
☞ Any material accessed, downloaded or otherwise obtained through Skill Fantasy is done at the User’s discretion, competence, acceptance and risk, and the User will be solely responsible for any potential damage to User’s computer system or loss of data that results from a User’s download of any such material.
☞ Skill Fantasy shall make best endeavours to ensure that the Skill Fantasy(s) is error-free and secure, however, neither Skill Fantasy nor any of its partners, licensors or associates makes any warranty that:
☞ In case Skill Fantasy discovers any error, including any error in the determination of Winners or in the transfer of amounts to a User’s account, Skill Fantasy reserves the right (exercisable at its discretion) to rectify the error in such manner as it deems fit, including through a set-off of the erroneous payment from amounts due to the User or deduction from the User’s account of the amount of erroneous payment. In case of exercise of remedies in accordance with this clause, Skill Fantasy agrees to notify the User of the error and of the exercise of the remedy(ies) to rectify the same.
☞ To the extent permitted under law, neither Skill Fantasy nor its partners, licensors or associates shall be liable for any direct, indirect, incidental, special, or consequential damages arising out of the use of or inability to use our sites, even if we have been advised of the possibility of such damages.
☞ Any Skill Fantasy Services, events or Contest(s) being hosted or provided, or intended to be hosted or provided by Skill Fantasy and requiring specific permission or authority from any statutory authority or any state or the central government, or the board of directors shall be deemed cancelled or terminated, if such permission or authority is either not obtained or denied either before or after the availability of the relevant Skill Fantasy Services, events or Contest(s) are hosted or provided.
☞ To the extent permitted under law, in the event of suspension or closure of any Services, events or Contests, Users (including Participants) shall not be entitled to make any demands, claims, on any nature whatsoever.
Cancellation Policy
☞ Skill Fantasy’s focus is 100% customer satisfaction. In the event of an error in the transaction, wrongful transfers, mistaken identity, or any other issues that can be verified and proven, we will refund the money in question to the user, provided the reasons are genuine and proved after investigation. Please read the fine print on each league, contest, tournament or service we provide before paying for it, it provides all the details about the services we provide and the contest entries users purchase. In case of dissatisfaction from Skill Fantasy’s services, clients have the liberty to cancel their projects and request a refund from us. Our Policy for the cancellation and refund will be as follows:
☞ For cancellations on transactions already completed please contact us via the Contact Us section on the app or the website.
☞ Email: support@Skillfantasy.com
Taxes Payable
☞ All prizes shall be subject to deduction of tax (“TDS”) as per the Income Tax Act 1961. As of April 1, 2023, the TDS rate prescribed by the Government of India with respect to any prize money amount is 30% of the net winning amount. In case of any revisions by the Government of India to the aforementioned rate in the future, TDS will be deducted by Skill Fantasy in accordance with the then-current prescribed TDS rate & threshold. The Winners shall be responsible for payment of any other applicable tax, including but not limited to, income tax, gift tax, etc. in respect of the prize money in real-time.
☞ As per the CGST (Amendment) Act, 2023, and IGST (Amendment) Act, 2023, all deposits made by the User shall be subjected to 28% GST (Goods and Services Tax). As of October 1, 2023, the GST rate prescribed by the Government of India with respect to any deposits made by the Users is 28% of that deposited amount. Accordingly, the GST portion of the User’s deposited amount will be paid on behalf of the User by Skill Fantasy to the Government. The User understands that the amount deposited by the User will not be deemed as inclusive of GST. The User shall be liable to pay for any other taxes/duties/levies.
