Insurance, retirement and financial planning. I am looking to acquire assets in my area from a rep who may be retiring or looking for a career change. I would be willing to take on the selling rep as a partner, or employee.
Insurance, retirement and financial planning. I am looking to acquire assets in my area from a rep who may be retiring or looking for a career change. I would be willing to take on the selling rep as a partner, or employee.
Please select the desired status for your listing, or select 'Delete' to request removal of the listing.
Please select your reason for reporting this listing.
Any money paid to Succession Link for its Services, including but not limited to annual subscriptions, monthly subscriptions, and registration fees, are non-refundable. However, Users may submit a Refund Request Form along with a non-refundable $100.00 processing fee. This Form will be reviewed by Succession Link and if it deems appropriate, will issue a refund or a portion thereof. Refunds may be made only in extenuating circumstances, and submission of this Form and the processing fee does not a guarantee that any refund will be provided to User.
This Terms of Service applies to all Website visitors and users of the Website or Services and by visiting or using the Website, you agree to be bound by this Terms of Service. If you don't agree with any term or condition in this Terms of Service, please don't use the Website or any Service.
The Services are available only to, and may only be used by, individuals who are 18 years and older who can form legally binding contracts under applicable law. Individuals under the age of 18 can use the Services only in conjunction with and under the supervision of a parent or legal guardian. In this case, the adult is the user and is responsible for any and all activities, subscribers and purchasers.
We may, in our sole discretion, refuse to offer the Services to any person or entity and change its eligibility criteria at any time. You are solely responsible for ensuring that these Terms of Service are in compliance with all laws, rules and regulations applicable to you and the right to access the Services is revoked where these Terms of Service or use of the Services is prohibited or to the extent offering, sale or provision of the Services conflicts with any applicable law, rule or regulation. Further, the Services are offered only for your use, and not for the use or benefit of any third party.
You have a personal, non-transferable, non-exclusive right to access and use the Content of this Website subject to these Terms of Service. The term "Content" means all information, text, images, data, links, software, or other material accessible through the Website or Services, whether created by us or provided by another person for display on the Website or through the Services.
The Content may contain typographical errors, other inadvertent errors or inaccuracies. We reserve the right to make changes to document names and content, descriptions or specifications of services or other information without obligation to issue any notice of such changes.
You may view, copy, download, and print Content that is available on this Website or through the Services, so long as the Content is used solely for internal informational purposes only. No part of this Website or its Content may be reproduced or transmitted in any form, by any means, electronic or mechanical, including photocopying and recording for any other purpose.
Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use this Website or any Content displayed on this Website, through the use of framing or otherwise, except: (a) as expressly permitted by these Terms of Service; or (b) with our prior written consent or the consent of such third party that may own the trademark or copyright of material displayed on this Website.
As a member of the Services, you will receive access to the marketplace of professionals based on your membership plan. Different membership plans offer different access to the marketplace of professionals. The membership terms are as described in these Terms of Service and the membership and checkout pages of the Website. See our membership plan page for a description of the current memberships and prices. Note that any payment terms presented to you in the process of using or signing up for the Services are deemed part of this Terms of Service.
Your membership may begin with a free trial or at a promotional rate. YOU MAY CANCEL YOUR MEMBERSHIP ANY TIME BEFORE THE END OF YOUR FREE TRIAL OR THE PROMOTIONAL PERIOD BY EMAILING YOUR REQUESET TO CANCEL TO INFO@SUCCESSIONLINK.COM. IF YOU CHOOSE TO CONTINUE YOUR MEMBERSHIP AFTER THE END OF YOUR FREE TRIAL OR THE PROMOTIONAL PERIOD, YOUR FIRST PAYMENT WILL BE CHARGED AT THE THEN-CURRENT NON-PROMOTIONAL RATE AS PROVIDED ON THE MEMBERSHIP PLAN PAGE OF THE WEBSITE. AFTER THE END OF YOUR FREE TRIAL OR PROMOTIONAL PERIOD YOU MAY CANCEL YOUR MEMBERSHIP BY EMAILING YOUR REQUEST TO CANCEL TO INFO@SUCCESSIONLINK.COM.
As a member of the Services, you acknowledge and consent to being charged an annual fee (which will be divided over twelve (12) months and billed on a recurring monthly basis), and you accept responsibility for payment of the outstanding portion of the annual fee prior to the cancellation of your membership to the Services. Your membership will be automatically renewed for successive one (1) year renewal periods at the then-current non-promotional rate.
YOU MAY CANCEL YOUR ONGOING MEMBERSHIP TO THE SERVICES BY EMAILING YOUR REQUEST TO CANCEL TO firstname.lastname@example.org. The day of the year that you start your membership is your anniversary date. Each membership automatically renews on the anniversary date following the end of the previous one (1) year period. You must notify us by emailing your request to cancel to email@example.com prior to the anniversary date following the end of the previous one (1) year period to cancel the following year’s membership. IF YOU DO NOT CANCEL PRIOR TO THE ANNIVERSARY DATE FOLLOWING THE END OF THE PREVIOUS ONE (1) YEAR PERIOD, YOU WILL BE CHARGED FOR RENEWING THE MEMBERSHIP IN THE FULL AMOUNT OF THE ANNUAL FEE (WHICH WILL BE DIVIDED OVER TWELVE (12) MONTHS AND BILLED ON A RECURRING MONTHLY BASIS). All cancellation requests received after the anniversary date following the end of the previous one (1) year period will apply to the following membership period. No prorated refund of any portion of the membership fee paid for the then-current membership period will be given.
We may terminate your membership, without notice, for any reason, whatsoever. Each membership may only have one user and multiple users on the same membership shall result in immediate termination of your membership.
We use a third party payment service in lieu of directly processing your credit card information. By submitting your credit card information, you grant Succession Link the right to store and process your information with the third party payment service, which it may change from time to time; you agree that Succession Link will not be responsible for any failures of the third party payment service to adequately protect such information. All financial matters regarding your information are subject to the conditions of the third party payment service provider's terms of service. You acknowledge that we may change the third party payment service and move your information to other service providers that encrypt your information using secure socket layer technology (SSL) or other comparable security technology.
While it is generally the policy of Succession Link to not provide refunds, you may request a refund for the Services by submitting your refund request to firstname.lastname@example.org. Refund requests are on a case-by-case basis and will be determined based on the number of days you used the Services and the activity of your membership. Refunds are at the sole discretion of Succession Link.
You assume all responsibility and risk with respect to your use of the Website. THE WEBSITE, THE SERVICES, AND ALL CONTENT AND OTHER INFORMATION ON OR ACCESSIBLE FROM OR THROUGH THIS WEBSITE OR A “LINKED” SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SECURITY OR ACCURACY. SPECIFICALLY, BUT WITHOUT LIMITATION, SUCCESSION LINK DOES NOT WARRANT THAT: (1) THE INFORMATION ON THIS WEBSITE IS CORRECT, ACCURATE OR RELIABLE; (2) THE FUNCTIONS CONTAINED ON THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE; (3) DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKE THEM AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (4) THE QUALITY OF ANY SERVICES OR INFORMATION PURCHASED OR OBTAINED BY YOU FROM THE WEBSITE FROM US OR OUR AFFILIATES WILL MEET YOUR EXPECTATIONS. Succession Link makes no warranties of any kind regarding any sites to which you may be directed or hyperlinked from this Website. Hyperlinks are included solely for your convenience, and Succession Link makes no representations or warranties with regard to the accuracy, availability, suitability or safety of information provided in such sites. Succession Link does not endorse, warrant or guarantee any products or services offered or provided by or on behalf of third parties on the Website.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
IN NO EVENT SHALL SUCCESSION LINK OR ITS OFFICERS, DIRECTORS, MANAGERS, EMPLOYEES, OR AFFILIATES BE LIABLE TO ANY USER OF THIS WEBSITE OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, LOSS OF USE, OR COSTS OF OBTAINING SUBSTITUTE GOODS OR SERVICES) ARISING OUT OF THE USE, INABILITY TO USE, UNAUTHORIZED ACCESS TO OR USE OR MISUSE OF THE SERVICES OR THE WEBSITE OR ANY INFORMATION CONTAINED THEREON, WHETHER BASED UPON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, EVEN IF THE PERSON OR ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
YOU AGREE SUCCESSION LINK’S TOTAL CUMULATIVE LIABILITY IN CONNECTION WITH THESE TERMS OF SERVICE, THE WEBSITE, THE CONTENT, OR THE SERVICES WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE AMOUNT YOU PAID TO SUCCESSION LINK IN THE THEN-PRIOR CALENDAR YEAR.
Professional Advice Disclaimer: Any information we provide to you is for informational purposes only. Use of the Website or the Services is not meant to serve as a substitute for legal or tax advice. When appropriate, you should seek independent professional advice.
By using this Website or the Services, you agree to indemnify, hold harmless and defend Succession Link and its affiliates from any claims, damages, losses, liabilities, and all costs and expenses of defense, including but not limited to, attorneys' fees, resulting directly or indirectly from a claim by a third party that arises in connection with (i) use of this Website or the Services by you or any other person accessing the Website using your member login account, (ii) your violation of any term of these Terms of Services; or (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right.
Unless otherwise noted, all Content contained on this Website is the property of Succession Link and/or its affiliates or licensors, and is protected from unauthorized copying and dissemination by United States copyright law, trademark law, international conventions and other intellectual property laws. Product names are trademarks or registered trademarks of their respective owners.
We do not claim ownership of Content submitted by users. By submitting such Content, however, you agree to grant us a world-wide, royalty-free, perpetual, irrevocable, non-exclusive license to use, distribute, reproduce, modify, adapt, create derivative works from, and publicly perform or display such Content on the Website and our social media pages. This license shall remain in effect until we delete the Content from our systems.
We respect the intellectual property of others, and we ask you to do the same. If you or any user of this Website believes its copyright, trademark or other property rights have been infringed by a posting on this Website, you or the user should send notification to our Designated Agent immediately. To be effective, the notification must include:
1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
2. Identification of the copyrighted work claimed to have been infringed;
3. Information reasonably sufficient to permit us to contact the complaining party, such as address, telephone number and, if available, an electronic mail address at which the complaining party may be contacted;
4. Identification of the material that is claimed to be infringing or to be subject to infringing activity and that is to be removed and information reasonably sufficient to permit us to locate the materials;
5. A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, agent, or the law; and
6. A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringing.
Pursuant to the Digital Millennium Copyright Act, 17 U.S.C.A. Sec. 512(c), our Designated Agent for Notice of claims of copyright infringement can be reached as indicated below. Service of repeat infringers of copyright or of users about whom repeat claims of copyright infringement are received will be terminated.
Designated Agent for Claimed Infringement:
Succession Link, LLC,
930 S. Harbor City Blvd. Suite 302
Melbourne, FL 32901 - 877-424-2542
Your acknowledge and agree that upon receipt of a notice of a claim of copyright infringement, we may immediately remove the identified materials from our Website without liability to you or any other party and that the claims of the complaining party and the party that originally posted the materials will be referred to the United States Copyright Office for adjudication as provided in the Digital Millennium Copyright Act.
When you register to use the Services on this Website, you may be required to establish a login identifier and a password. You are responsible for protecting your login and password from unauthorized use, and you are responsible for all activity that occurs on your account (including without limitation financial obligations). You agree to notify us immediately if you believe that your login or password has been or may be used without your permission so that appropriate action can be taken. We are not responsible for losses or damage caused by your failure to safeguard your login and password.
Unless specified otherwise, any reference to any third party or third party product or service shall not be construed as an approval or endorsement by Succession Link of that third party or of any product or service provided by that third party. Likewise, a link to any third party website or third party advertisement does not imply that we endorse or accept any responsibility for the content or use of such website. Succession Link does not endorse, warrant or guarantee any product or service offered by any third party through an online discussion medium accessible through this Website and will not be a party to or in any way monitor any transaction involving any third party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you are responsible for exercising appropriate judgment and caution.
Your use of this Website is subject to all applicable laws and regulations and you are solely responsible for the contents of your communications through this Website. You shall not, and shall not permit any third party to, take any action or upload, download, post, submit or otherwise distribute or facilitate distribution of any Content on this Website, that:
1. Is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise violates our rules or policies;
2. Victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
3. Infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;
4. Constitutes unauthorized or unsolicited advertising, junk or bulk email (also known as “spamming”), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
5. Contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or
6. Impersonates any person or entity, including any of our employees or representatives.
We make no representation that information on this Website or the Services we provide are appropriate or available for use outside the United States. Those who choose to access this Website from outside the United States do so on their own initiative and at their own risk and are responsible for compliance with applicable local laws.
We may terminate any user's membership or access to our Website or the Services, in our sole discretion, for any reason and at any time, with or without prior notice. It is our policy to terminate users who violate these Terms of Service, as deemed appropriate in our sole discretion. You agree that we are not liable to you or any third party for any termination of your access to our Website or the Services.
These Terms of Service shall be governed by and construed in accordance with the laws of the State of California. Any dispute relating in any way to your visit to, or use of, the Website or to the Services you use or purchase through the Website (including a membership), or to your relationship to Succession Link shall be submitted to confidential arbitration in San Diego, California; provided, however, that to the extent that you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in any state or federal court in the State of California. You hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to, venue and jurisdiction in the state and federal courts of California. Arbitration under these Terms of Service will be conducted pursuant to the Commercial Arbitration Rules then prevailing at the American Arbitration Association. The arbitrator’s award will be final and binding and may be entered into as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under these Terms of Service will be joined to an arbitration involving any other party subject to this Terms of Service, whether through class action proceedings or otherwise. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of, related to or connected with the use of this Website or these Terms of Service must be filed within one (1) year after such claim of action arose or be forever banned.
ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. YOU ACKNOWLEDGE AND AGREE THAT YOU ARE WAIVING YOUR RIGHT TO A TRIAL BY JURY.
YOU ACKNOWLEDGE AND AGREE THAT ANY CLAIMS BROUGHT BY YOU AGAINST SUCCESSION LINK MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. YOU ACKNOWLEDGE AND AGREE THAT YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.
Further, unless both you and Succession Link agree otherwise, the arbitrator may not consolidate more than one person's claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim.
If any part of these Terms of Service is held to be unlawful, void, or unenforceable, that part will be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
These Terms of Service constitute the entire agreement and understanding between the parties relating to the subject matter herein. We may, at our sole discretion and without notice, revise these terms at any time by updating this posting.
Except as explicitly stated otherwise, any notice required or permitted by this Terms of Service must be in writing. Any notice to Succession Link must be sent to email@example.com. Any notice to you may be given: (1) to the email address you provide to Succession Link during registration or when your email address changes, in which case notice will be deemed sufficient 24 hours after the email is sent unless the sending party is notified that the email address is invalid; or (2) by certified mail, postage prepaid, return receipt requested, to the last mailing address you provided to Succession Link, in which case notice will be deemed sufficient three days after the mailing date.
We shall not be liable for any failure to perform our obligations hereunder where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation. These Terms of Service are personal to you, and are not assignable, transferable or sublicensable by you except with our prior written consent. We may assign, transfer or delegate any of our rights and obligations hereunder without consent. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Service and neither party has any authority of any kind to bind the other in any respect. Our failure to enforce any part of these Terms of Service shall not constitute a waiver of our right to later enforce that or any other part of these Terms of Service. Waiver of compliance in any particular instance does not mean that we will waive compliance in the future. In order for any waiver of compliance with these Terms of Service to be binding, we must provide you with written notice of such waiver through one of our authorized representatives.
We may change the Terms of Service at any time for any reason by updating this posting. You are responsible for periodically reviewing these Terms of Service for revisions. Changes in the Terms of Service will be effective when posted. If Succession Link makes a material change, Succession Link will notify you here in this Terms of Service or by any other means we deem appropriate. Succession Link may determine, in its sole discretion, in good faith, what constitutes a "material change" using common sense and reasonable judgment. Your use of the Website and/or the Services after we have modified this posting will constitute your acceptance of any changes.
You may contact us at the following:
930 S. Harbor City Blvd. Suite 302
Melbourne, FL 32901
Effective Date of Terms of Service: September 15, 2017
2. INFORMATION COLLECTION PRACTICES
2.1. TYPES OF INFORMATION COLLECTED
(a) TRAFFIC DATA COLLECTED. We automatically track and collect the following categories of information when you visit our Site: (1) IP addresses; (2) domain servers; (3) types of computers accessing the Site; and (4) types of web browsers used to access the Site (collectively “Traffic Data”). Traffic Data is anonymous information that does not personally identify you but is helpful for marketing purposes or for improving your experience on the Site. We also use “cookies” to customize content specific to your interests, to ensure that you do not see the same advertisement repeatedly, and to store your password so you do not have to reenter it each time you visit the Site.
(b) PERSONAL INFORMATION COLLECTED. In order for you to access certain information and services that we offer via the Site, we require you to provide us with certain information that personally identifies you (“Personal Information”). Personal Information includes, but is not limited to, the following categories: (1) Contact Data (such as your name, mailing address, and email address); (2) Financial Data (such as your account or credit card number); (3) Demographic Data (such as your zip code, age, and income); and (4) Business Data (such as company and business information). If you communicate with us by email, post messages to any of our chat groups or forums, or otherwise complete online forms, surveys, or contest entries, any information provided in such communication may be collected as Personal Information.
2.2. USES OF INFORMATION COLLECTED
(a) COMPANY USE OF INFORMATION. We use Personal Information to send you information about our Company or our products or services, or promotional material from some of our partners, or to contact you when necessary, to verify your qualifications for certain products or services and to bill you for products and services, and to customize and tailor your experience on the Site, displaying content that we think you might be interested in and according to your preferences.
(b) SHARING OF PERSONAL INFORMATION. We share Personal Information we collect from you with advertisers and other third parties, with other companies who may want to send you information about their products or services, and with our business partners who assist us by performing core services (such as hosting, billing, fulfillment, or data storage and security) related to our operation of the Site. We may sell or license portions of our company and/or assets, including Personal Information collected through the Site. If the Company or substantially all of its assets are acquired, Personal Information may be one of the assets transferred to the acquirer. We do not share your Financial Data with third parties unless it is related to billing. If you do not want us to share your Personal Information with any third parties, please email us at firstname.lastname@example.org but please understand that such a request will likely limit your ability to take advantage of all of the features and services we offer on the Site. In addition, we maintain a procedure for you to review and request changes to your Personal Information; this procedure is described in Section 3.1, below.
(c) USER CHOICE REGARDING COLLECTION, USE, AND DISTRIBUTION OF PERSONAL INFORMATION. You may choose not to provide us with any Personal Information. In such an event, you can still access and use much of the Site; however you will not be able to access and use those portions of the Site that require your Personal Information. If you do not wish to receive information and promotional material from us or from some of our partners, you may select the appropriate “opt out” option each time we ask you for Personal Information.
3.1. USER ABILITY TO ACCESS, UPDATE, AND CORRECT PERSONAL INFORMATION. We maintain a procedure in order to help you confirm that your Personal Information remains correct and up to date. At any time, you may visit your personal listing at www.successionlink.com . Through your personal listing you may: (a) review and update your Personal Information that we have already collected; (b) choose whether or not you wish us to send you information about our Company, or promotional material from some of our partners; and/or (c) choose whether or not you wish for us to share your Personal Information with third parties.
3.2. LOST OR STOLEN INFORMATION. You must promptly notify us if your credit card, user name, or password is lost, stolen, or used without permission. In such an event, we will remove that credit card number, user name, or password from your account and update our records accordingly.
3.3. PUBLIC INFORMATION. The Site contains links to other websites. We are not responsible for the privacy practices or the content of such websites. We also make chat groups, forums, message boards, and news groups available to you. Please understand that any information that is disclosed in these areas becomes public information. We have no control over its use and you should exercise caution when deciding to disclose your Personal Information.
4. CALIFORNIA DISCLOSURES. We do not currently respond to “Do Not Track” requests. However, you may opt-out of tracking on this Site by changing your browser settings.
Did you know that you are more likely to receive a response if you create a listing first? Many Succession Link members want to see some information about your business before they respond.
Make your account more appealing to other members. Create your listing now!
Please note that if you decide not to create a listing, your message will be shown as anonymous to the recipient. So be sure to make your message friendly and informative.
We will send you notifications when new listings enter this search criteria.