Investing in the right assets.
At the right time.
An investment strategy that constantly adjusts to shifting markets and performs in all weathers? Not a fantasy anymore - we built it.
We built an intelligent system constantly adapting to shifting markets.
Able to interpret financial markets in real time,
the system manages our daily portfolio allocation to best fit the current market and economic environment.
Reliable performance.
In any market conditions.
No more crystal balls needed to know the future.
Our system reacts to daily market changes, accelerating when markets rise and protecting when markets fall.
Growing investors' wealth - with peace of mind.
Real money invested in real markets
YTD 2025 performance - to 16 May 2025
We are investing our team savings in real markets everyday to prove that the strategy works.
Performance shown above is net (=includes) all trading costs, from retail fees paid to invest and underlying ETF fees to bid-offer spreads.
Performance to be updated on a weekly basis.As you will read in this website, our adaptive investment strategy adapts to market conditions, going anywhere subject to the shifting environment (0-80% in stocks, or 0-100% in anything else). It is a unique and original proposition, and thus the comparison to a relevant benchmark is difficult if not impossible. So we are using as reference points to compare our performance a number of respected, well-known and widely used diversified portfolios (Vanguard life strategies) tilted to all the relevant risk profiles used by the vast majority of global investors: aggressive 80% stocks and 20% bonds, balanced 60% / 40%, moderate 40% / 60%, conservative 20% / 80%. You will notice above that Pantarai A·D·A·P·T is doing exactly what we promise: has been running faster in good markets (performing above the most aggressive Vanguard Life Strategy 80/20), and shielding fiercely in poor markets (better than the most conservative of the life strategies).
Model back-testing
Historical performance: 2014 to 2024
Model performance run from 31/12/2013 to 31/12/2024.
General formulas applied without any desired over-fitting to specific market conditions, given knowledge of the past.
We. compare our model performance for illustration purposes with both a mainstream S&P 500 ETF and a 60/40 portfolio tracked by the S&P Target risk Growth index.Total performance calculated as: sum of the weighted daily performance of each selected ETF part of the chosen daily asset mix.
Such total performance is net of each ETF's management fee, but gross of the bid - offer spread applied when trading.
The model works by re-allocating the asset mix daily and capturing the daily performance from minute 1 of the trading session, while in practice we would trade once and around mid-session to enjoy better liquidity and lower bid - offer spreads.
Hunting for the perfect asset allocation.
Every day.
We invest in public markets, buying & selling equity and bond indices, gold & key commodities, and cash proxies.
We express our investment views via simple, liquid, well-know and top-performing ETF indices.
Evolution of our asset allocation
2014 to 2025
The strategy is available via our active ETP:Pantarai A · D · A · P · T
ETP Launch in September 2025.Our Active ETP will be listed in London and passported across Europe.
To be approved and regulated by the Bank of Ireland (EU) and the FCA (in UK).
Available to everyone (via all major investment platforms and banks) from EUR 10.
+ adaptive
constantly adjusting to reliably perform in any market conditions+ systematic
run by our system, supervised by human experts+ multi-asset
diversified in stock and bond indices, commodities and cash proxies+ multi-strategy
leveraging global macro, momentum and behavioral finance insights together+ built on ETFs
we use just plain and simple, cheap, liquid and popular ETFs+ go anywhere
0-80% equities and 0-100% for anything else, subject to market conditions+ long only
no leverage and no derivatives, just simple buy & sell of assets we like
Be the first to know about the launch!
You will find Pantarai A·D·A·P·T here:
Preferred partners
Welcome to the trading room.
Watch our system in action.
As markets move, our system fine-tunes our market strategy in real time. And our users are invited to watch our system in action as events unfold, to understand with us what’s going in markets and what we are doing about it.We explain and share our expert insights, market strategy, investment decisions and portfolio changes in real time. It's a different experience.
Your finally have your personal investment strategist - in software.
Observe
Interpret
Decide
Invest
Track our performance
Sign-up as a beta tester
Say hi to Cartesio.
An open AI expert system interacting with (and supervised by) by real human experts.
A special type of AI
We believe that supervised machine-learning algos observing past patterns to consistently predict the future (=machine learning) tend to fail in understanding constantly moving, incongruent and irrational environments like financial markets. Why? Because of white noise in financial time series (= a degree of randomness). So beware of anyone selling that AI/machine learning solve per se any investing complexities.We designed instead a unique system that can understand context by using deep layers of expert-trained classifications of selected key variables, mimicking the knowledge and interpreting abilities of top traders, fund managers, market strategists and economists together - each one with their specific skills. A complex and blazing-fast engine pulls the interpreted real time information and derived expert insights and balances them together to extract market views, an opinionated market strategy for the current market environment and subsequent investment decisions.The system is engineered to grasp and interpret both classic market behaviors and the incongruent and irrational, including first time events observed from time to time in markets, with checks and balances in place to constantly challenging its observations.
Investment process
Simply put, the system tries to find out where we are in the economic cycle on a daily basis to extract a reasonable strategic asset allocation for such cycle phase. Then, it looks at a plethora of variables and datapoints detached from the cycle - think about momentum price trends or sentiment - to fine tune the tactical asset allocation to the daily environment.
About us
We are seasoned software engineers, market strategists and investment experts
working together with our proprietary AI system - Cartesio - to invest more wisely.
Our visionTo inspire next-gen investors to build a life they love, making their money work wiser along the journey.
To get there, we are developing inventive technology packed with expert financial market insights,
making investing simpler, more transparent and engaging.
Our valuesWe believe that all investors deserve new and better tools for wiser investing.
This means transparent access to expert insights in real time and dynamic portfolio adjustments to shifting markets.
Welcome to the future of investing.
Curious, excited, confused, sad, happy?
Ask us anything
Important disclaimerThe information provided on the website is for informational purposes only and does not constitute investment advice. It does not constitute any offer, or solicitation to offer, or recommendation of any investment product. It does not take into account your individual needs, investment objectives and specific financial circumstances, and so should not be considered specific legal, investment or tax advice.Prospective investors should obtain independent investment advice and inform themselves as to applicable legal requirements, exchange control regulations and taxes in their jurisdiction. Investing entails risk, including the possible loss of principal, and past performance is not predictive of future results. Any projections, market outlooks or estimates herein are forward looking statements and are inherently unreliable. They are based upon certain assumptions and should not be considered indicative of the actual events that will occur. Other events that were not taken into account may occur and may significantly affect the returns or performance of the securities discussed herein.The information provided herein is based on matters as they exist as of the date of preparation and not as of any future date, and the publisher undertakes no obligation to correct, update or revise the information in this document or to otherwise provide any additional material. Pictures, icons, videos and graphical resources are sourced from Canva, Freepik, Youtube.Copyright © 2025 - Pantarai OU.
All rights reserved.
Terms & conditions
PANTARAI OU ("Pantarai") provides users (the "User" or "Users") of the website www.pantar.ai (the "Website", or the "Service") with the following general information, in accordance with article 10 of Law 34/2002, of July 11, on Services of the Information Society and Electronic Commerce (the "LSSI").
Name of the company: Pantarai OU
Registered address: Pärnu mnt 139e/2, 11317, Tallinn, Estonia
Operating address: Calle Moreto 1, 28014 Madrid, Spain.
Tax Identification Number (EE): 16864688
Registered in the e-business Registry of Estonia.
Contact email address: [email protected]The terms and conditions of use of the website (the "Terms of use"), which users of the site must comply with at all times, are detailed below.
Conditions of useThe present Conditions of Use regulate use of the Website that Pantarai makes available to the Users.
The Conditions of Use, the Legal Notice, the Personal Data Processing and the Cookies Policy together constitute the terms and conditions that govern access to and the use of the public part of the Website (the "Terms and Conditions of the Website"). Access to and use of the Website by the User implies the User's full acceptance of the Terms and Conditions for the Website and obligation to fully comply with them. Therefore, the User must carefully read the present Conditions of Use, as well as the rest of the Terms and Conditions for the Website on each occasion he or she intends to use the Website, since these may undergo modifications, and with the User being notified about these at the time of the new access.
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Linked websitesIn order to help the User find further information, Pantarai may include various types of technical linking devices that allow the User to access other websites (the "Linked Sites"). In such cases, Pantarai acts as a provider of intermediary services and thus will not be liable for the services and contents provided via the Linked Sites, unless it has effective knowledge of illegal content and has not deactivated the link with due diligence. In no case does the existence of Linked Sites imply Pantarai 's recommendation, promotion, identification, or conformity with the statements, contents, or services provided via the Linked Sites. As a result, Pantarai does not accept liability for the contents of the Linked Sites, nor for their conditions of use or privacy policies. The User is solely responsible for verifying these and accepting them each time it accesses and uses such sites.
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Our responsibilityThe User must be aware that communications performed through open networks are exposed to a variety of threats and may not be considered as secure. It is the User's responsibility to adopt all appropriate technical measures to reasonably control these threats, including among others, possessing updated detection systems for malicious software such as viruses, Trojan horses, etc., as well as keeping security patches up-to-date in the corresponding browsers. For more information, you can view Pantarai 's Cookie Policy or contact your Internet service provider who will be able to provide you appropriate solutions for your needs. Within the maximum scope permitted by the applicable legislation, Pantarai waives liability for damages or losses caused to the User as a result of risks inherent to the media employed, as well as for those caused by vulnerabilities in the User's systems and tools. Pantarai also does not guarantee the full security of its systems, and although appropriate security measures have been adopted, the existence of vulnerabilities cannot be fully eliminated and the User must therefore use caution when interacting with the Website. In particular, Pantarai will not be liable for:=> Damages or losses of any type caused to the User's computer equipment by viruses, worms, Trojan horses, or any other harmful element.=> Damages or losses of any type caused to the User by malfunctions or disconnections in the telecommunication networks that lead to suspension, cancellation, or interruption of the Website's services while they are being provided. In relation to this, the User hereby recognizes that access to the Website requires services supplied by third parties that are beyond Pantarai 's control (for example: operators of telecom networks, access providers, etc.) where Pantarai is not in control of the reliability, quality, continuity, and operation. Pantarai is also not responsible for guaranteeing the availability of service.=> Information from third parties in cases where Pantarai a is acting as an intermediary service provider in the sense defined by the LSSI, except when there was effective knowledge of the information and it was not removed. Pantarai will also not be liable for damage or injury, whether direct or indirect, that the Users may suffer by improper use of this Website or its contents Monetharia does not assume any commitment to providing notification of changes to the content or to modifying it.=> description of the facts that reveal the illegal or inappropriate nature of the content or information, as well as the specific address where it is found;=> under circumstances where the rights of third parties are violated, such as intellectual and industrial property rights, information on the holder of the infringed right must be provided if this is someone other than the person providing the notification. Furthermore, the document verifying ownership of the violated rights must be provided, and as applicable, the document verifying representation to act on behalf of the owner, when that owner is someone other than the person providing notification. Receipt of the notification described in this clause by Pantarai shall not entail effective knowledge of the activities and/or contents indicated by the reporting person when this knowledge is not obvious or evident. In any case, Monetharia reserves the right to suspend or remove any contents that, even if not illegal, are contrary to the rules established in these Conditions of Use, after consideration the legal issues involved.
Other aspectsThe aspects related to processing the personal data of Users who intend to use the Website are regulated in the Privacy policy.Like many other websites with commercial content, the website uses a technology known as "cookies". A cookie is a file that is downloaded to your computer to store the details that the entity that installs the file can update and retrieve later. The aspects related to the use of cookies on the Website are regulated in the Privacy page.
Applicable lawThe laws of Estonia will be those applicable to the information society services that Pantarai provides through the Website. Therefore, Estonian legislation will be applicable to all legal issues that may involve the present Website or any disputes involving between the Registered User and Pantarai.
Privacy policy
Last updated on 8 May 2025.
This privacy notice for Pantarai OU ("Company," "we," "us," or "our") describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services"), such as when you:•Visit our website at http://www.pantarai.ou, or any website of ours that links to this privacy notice• Engage with us in other related ways, including any sales, marketing, or eventsQuestions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at [email protected]
SummaryThis summary provides key points from our privacy notice, but you can find out more details about any of these topics by using our table of contents below to find the section you are looking for. You can also click here to go directly to our table of contents.What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with Pantarai OU and the Services, the choices you make, and the products and features you use. Do we process any sensitive personal information? We may process sensitive personal information when necessary with your consent or as otherwise permitted by applicable law. Do we receive any information from third parties? We do not receive any information from third parties.How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. In what situations and with which types of parties do we share personal information? We may share information in specific situations and with specific categories of third parties. How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. How do you exercise your rights? The easiest way to exercise your rights is by contacting us at [email protected]. We will consider and act upon any request in accordance with applicable data protection laws.
What information do we collectPersonal information you disclose to us:-We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:• names
• phone numbers
• email addresses
• job titles
• usernames
• passwords
• contact preferences
• contact or authentication data
• billing addresses
• debit/credit card numbers
• mailing addressesWhen necessary, with your consent or as otherwise permitted by applicable law, we process the following categories of sensitive information:
• financial dataPayment Data:-We may collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument.All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.Information automatically collected:-We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.Like many businesses, we also collect information through cookies and similar technologies.The information we collect includes:
• Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called "crash dumps"), and hardware settings).• Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.• Location Data. We collect location data such as information about your device's location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.Our provider of web services and web hosting is CARDD. You may find their privacy notice link here: https://carrd.co/docs/general/privacy
How do we process your informationWe process your personal information for a variety of reasons, depending on how you interact with our Services, including:• To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.• To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.• To send administrative information to you. We may process your information to send you details about our products and services, changes to our terms and policies, and other similar information.• To fulfill and manage your orders. We may process your information to fulfill and manage your orders, payments, returns, and exchanges made through the Services.• To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our Services.• To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention.• To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.• To save or protect an individual's vital interest. We may process your information when necessary to save or protect an individual’s vital interest, such as to prevent harm.
What legal basis do we rely on to process your information?If you are located in the EU or UK, this section applies to you.The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information:• Consent. We may process your information if you have given us permission (i.e., consent) to use your personal information for a specific purpose. You can withdraw your consent at any time.• Performance of a Contract. We may process your personal information when we believe it is necessary to fulfill our contractual obligations to you, including providing our Services or at your request prior to entering into a contract with you.• Legitimate Interests. We may process your information when we believe it is reasonably necessary to achieve our legitimate business interests and those interests do not outweigh your interests and fundamental rights and freedoms. For example, we may process your personal information for some of the purposes described in order to:=> Analyze how our services are used so we can improve them to engage and retain users
=> Diagnose problems and/or prevent fraudulent activities
=> Understand how our users use our products and services so we can improve user experience• Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved.• Vital Interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.If you are located in Canada, this section applies to you.We may process your information if you have given us specific permission (i.e., express consent) to use your personal information for a specific purpose, or in situations where your permission can be inferred (i.e., implied consent). You can withdraw your consent at any time. In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including, for example:• If collection is clearly in the interests of an individual and consent cannot be obtained in a timely way• For investigations and fraud detection and prevention• For business transactions provided certain conditions are met• If it is contained in a witness statement and the collection is necessary to assess, process, or settle an insurance claim• For identifying injured, ill, or deceased persons and communicating with next of kin• If we have reasonable grounds to believe an individual has been, is, or may be victim of financial abuse• If it is reasonable to expect collection and use with consent would compromise the availability or the accuracy of the information and the collection is reasonable for purposes related to investigating a breach of an agreement or a contravention of the laws of Canada or a province• If disclosure is required to comply with a subpoena, warrant, court order, or rules of the court relating to the production of records• If it was produced by an individual in the course of their employment, business, or profession and the collection is consistent with the purposes for which the information was produced• If the collection is solely for journalistic, artistic, or literary purposes• If the information is publicly available and is specified by the regulations
When, and with whom, do we share your personal information?Vendors, Consultants, and Other Third-Party Service Providers. We may share your data with third-party vendors, service providers, contractors, or agents ("third parties") who perform services for us or on our behalf and require access to such information to do that work. We have contracts in place with our third parties, which are designed to help safeguard your personal information. This means that they cannot do anything with your personal information unless we have instructed them to do it. They will also not share your personal information with any organization apart from us. They also commit to protect the data they hold on our behalf and to retain it for the period we instruct.The categories of third parties we may share personal information with are as follows:
• Website Hosting Service Providers
• Product Engineering & Design Tools
• Payment Processors
• Finance & Accounting Tools
• Data Analytics Services
• Cloud Computing ServicesWe also may need to share your personal information in the following situations:• Business Transfers: we may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.• Affiliates: we may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.• Business Partners: we may share your information with our business partners to offer you certain products, services, or promotions.
How long do we keep your information?We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than twelve (12) months past the termination of the user's account.When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
How do we keep your information safe?We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.
How can you contact us about this notice?Please write us an email to:
hello @pantar.ai
What are your privacy rights?In some regions (like the EEA, UK, and Canada), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information. You can make such a request by contacting us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" above. We will consider and act upon any request in accordance with applicable data protection laws.If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm. If you are located in Switzerland, the contact details for the data protection authorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.Withdrawing your consent:
-If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below or updating your preferences.However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.Opting out of marketing and promotional communications
- You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, or by contacting us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.Account Information
- If you would at any time like to review or change the information in your account or terminate your account, you can:
• Log in to your account settings and update your user account.Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements.Cookies and similar technologies-Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. To opt out of interest-based advertising by advertisers on our Services visit http://www.aboutads.info/choices/.If you have questions or comments about your privacy rights, you may email us at [email protected].Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online.
Additional aspectsWe may update this privacy notice from time to time. The updated version will be indicated by an updated date and the updated version will be effective as soon as it is accessible. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.If you have questions or comments about this notice, you may email us at [email protected].You have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please get in touch with us at [email protected]