Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/28/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I utilized the 7 day free trial to download 2 document. Website said you can cancel anytime to prevent further billing, so cancelled the 7th or 8th day. I read the term of use and refund policy that said refunds are a case by case basis and I have 30 days to cancel. While checking my bank statement I found a $48.95 charge from Legal Templates. I emailed to ask for a refund and they replied that they were cancelling my subscription, but not refunding my $48.95 because it's my responsibility. I know I cancelled it under 30 days this appears to be a certain technique and that's why I am requesting my refund of $48.95 due to it being under 30 days and their website saying refunds are "case by case" I am un satisfied with their file formats.

  

  Business Response

  Date: 11/29/2024

  Hello,

  Thank you for reaching out to Legal Templates.
  
  Im happy to let you know that our accounting team has processed your refund for $49.95. Depending on your financial institution, you should see the credit reflected in your account within 5 to 10 business days. If it doesnt appear by then, please contact your financial institution for further information.
  
  Thank you for your time, and please dont hesitate to reach out if you have any other questions. Im here to help!
  
  
  Best,

  *****
  **********************************
  ************************************************************

  Customer Answer

  Date: 12/04/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

• Initial Complaint

  Date:11/18/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Oct 16, 2024 I utilized the 7 day free trial to download 1 document. Website said you can cancel anytime to prevent further billing, so I cancelled same day. While checking my bank statement on Nov 16, I found a $49.95 charge from Legal Templates, *************. I emailed them immediately to ask for a refund and they replied Nov 17 that they were cancelling my subscription, but not refunding my $49.95. I know I cancelled it, this appears to be a business scam technique...and am requesting my refund of $49.95

  

  Business Response

  Date: 11/18/2024

  Hello,

  Thank you for reaching out to Legal Templates.
  
  Im happy to let you know that our accounting team has processed your refund for $49.95. Depending on your financial institution, you should see the credit reflected in your account within 5 to 10 business days. If it doesnt appear by then, please contact your financial institution for further information.
  
  Thank you for your time, and please dont hesitate to reach out if you have any other questions. Im here to help!
  
  
  Best,

  *****
  ***************************************;
  ************************************************************

  Customer Answer

  Date: 11/18/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

  I still believe that they intentionally deceive innocent customers and will never use their services again.

• Initial Complaint

  Date:11/14/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Every month since December 1, 2023 I've been charged $39.95 from 11legaltemplates *********** NC Their response:Hi ***** ********,I would like to extend my heartfelt apologies for any inconvenience you may have experienced.Allow me to offer clarification regarding your 7-day trial membership. This membership provides you with unrestricted access to our extensive collection of personal and business legal forms and will automatically renew after the initial seven ******* ensure transparency and avoid any confusion, we have taken care to prominently display our billing policy on both the pricing and checkout pages. We want to emphasize that our valued customers retain the flexibility to cancel their memberships at any time, around the clock, by accessing our online cancellation option or by contacting one of our dedicated **************** representatives through chat, phone, or email.I've successfully located your account associated with the email address ************************* and the subscription has been successfully canceled on 11/14/2024 12:37PM ******** assured, your credit card wont be charged again as long as your account remains canceled. Just a quick note: any charges made before cancellation are still your responsibility as outlined in our Terms of Use, and unfortunately, we cant issue refunds for past monthly fees after the trial period.That said, your service remains active for the rest of the month! You still have full access to over 400 business and personal legal documents, plus our new PDF editing and file-conversion tools. You can upload PDFs for e-signatures, split, edit, and merge documents. Feel free to share your account with family and friends, toothey can enjoy these features right along with you!Please don't hesitate to reach out if you require further assistance.Get instant support 24/7, 365 via our *********** Best Regards, **** ?********************************** **********************************

  

  Business Response

  Date: 11/17/2024

  Hello,

  Thank you for reaching out. Firstly, I would like to extend my sincere apologies for any inconvenience you have experienced regarding your recent membership with us. Your feedback is invaluable, and we appreciate the opportunity to address your concerns via BBB.
  
  
  After consulting with our accounting team, we can process a two-month refund to compensate for the inconvenience, as our system cannot refund transactions past 60 days. Furthermore. We sincerely apologize for any inconvenience caused and hope this resolution meets your satisfaction. If you agree to this arrangement, kindly inform us so we can promptly initiate the refund process.
  
  Thank you for your understanding and for giving us the opportunity to rectify this situation. We look forward to your response.
  
  Warm regards,
  
  ***** *.
  **********************************
  ************************************************************

• Initial Complaint

  Date:11/13/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was seeking a legal document that was advertised as "free." The website directed me toward the template creator and I spent around 45 minutes filling in the details of the legal document. After collecting a lot of legal information from me and completing the document I was then sent to a separate page to sign up for their service. I made an account and then was directed to another page where I had to provide credit card information and pay for the document. I feel like this business falsely advertised a free legal document, had me waste 45 minutes inputting information, and only then tell me the full requirements of procuring the document. A clear example of bait and switch. They seem to rely on the "sunken cost fallacy" to urge people to pay them. They should be completely upfront and tell people that the customer will have to sign up, provide billing information, and be placed on a subscription plan to download any documents from them. A huge waste of my time and a bad way of doing business.

  

  Business Response

  Date: 11/13/2024

  Hello,

  Thank you so much for reaching out, and we're truly sorry for any confusion caused. We offer a 7-day free trial, which does require a credit card for verification, especially as some users need access beyond the trial period. If youd like, wed be happy to send you a complimentary copy of the document you created, both in Word and PDF formats. Just let us know, and well take care of it for you! 

  Best,

  *****
  ***************************************;
  ************************************************************

• Initial Complaint

  Date:11/12/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Logged into this offering free template downloads around June 15 , 2024. . Used it once and never again.Did not review credit card statement for a couple months discovering a monthly charge of $39.95 that went on for four months totaling $159.80. tried contacting the site unsuccessfully until October 11, 2024 when I deleted my account.I have no idea what my account number was but my ***** car statement detail line reads : ********************************* **********.

  

  Business Response

  Date: 11/12/2024

  Hello,
  
  
  Thank you for reaching out. Firstly, I would like to extend my sincere apologies for any inconvenience you have experienced regarding your recent membership with us. Your feedback is invaluable, and we appreciate the opportunity to address your concerns via BBB.
  
  I'd like to clarify that, according to our records, you signed up for the trial subscription. This subscription is designed to give you full access to our wide range of personal and business legal forms. Please note that it automatically renews if not canceled within the specified time frame, as it is time-sensitive.
  
  To ensure transparency and to prevent any confusion, we have made it a point to prominently display our billing policy on both our pricing and checkout pages. We want to emphasize that our valued customers have the flexibility to cancel their memberships at any time, 24/7, either by accessing our online cancellation option or by reaching out to one of our dedicated **************** representatives via chat,
  phone, or email.
  
  After consulting with our accounting team, we can process a two-month refund to compensate for the inconvenience, as our system cannot refund transactions past 60 days. Furthermore, you'll retain access for the remainder of the month. We sincerely apologize for any inconvenience caused and hope this resolution meets your satisfaction. If you agree to this arrangement, kindly inform us so we can promptly initiate the refund process.
  
  Thank you for your understanding and for giving us the opportunity to
  rectify this situation. We look forward to your response.
  
  Warm regards,
  
  ***** *.
  **********************************
  ************************************************************
  

  Customer Answer

  Date: 11/13/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

• Initial Complaint

  Date:11/07/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was offer a 7 day trail before the 7 days were u I tried canceling 3 times it just keep offering me $9.98 a month! Which I denied! Then now the trail over they charged me $ ***** and $1.00 and they finally let me cancel! I reach out instantly letting them know what happen and they say they cant refund because it moved showed that I tried 3 times canceling on 11/5/24!

  

  Business Response

  Date: 11/07/2024

  Hello,

   

  Thank you for contacting Legal Templates.
  
  Our accounting team has completed processing the refund for $49.95.

  
  Your credit should appear, depending upon the practices of your financial institution, usually between 5 and 10 business days. If you do not see this credit, you will need to contact your financial institution for further details regarding this transaction.
  
  
  Thank you in advance for your time, and please let me know if you have any further questions.
  
  

  Best,

  ***** **
  ***************************************;
  ************************************************************ 
  

  Customer Answer

  Date: 11/13/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

   Future reference make it easier for your clients to cancel before the trial ends instead of after! Would hate for this to happen to someone else! 

• Initial Complaint

  Date:11/06/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up for a free trial, I cancelled before it ended and I have been charged $49.95 for TWO months!! I went in and cancelled AGAIN and it said successfully cancelled however it STILL charged me AGAIN and I have now went in a 3rd time today and cancelled AGAIN. I completed the Contact form on the web page twice and tried to utilize the Chat. No response.

  

  Business Response

  Date: 11/06/2024

  Hello,

   

  Thank you for reaching out. Firstly, I would like to extend my sincere apologies for any inconvenience you have experienced regarding your recent membership with us. Your feedback is invaluable, and we appreciate the opportunity to address your concerns via BBB.
  
  I'd like to clarify that, according to our records, you signed up for the trial subscription. This subscription is designed to give you full access to our wide range of personal and business legal forms. Please note that it automatically renews if not canceled within the specified time frame, as it is time-sensitive.
  
  To ensure transparency and to prevent any confusion, we have made it a point to prominently display our billing policy on both our pricing and checkout pages. We want to emphasize that our valued customers have the flexibility to cancel their memberships at any time, 24/7, either by accessing our online cancellation option or by reaching out to one of our dedicated **************** representatives via chat,
  phone, or email.
  
  After consulting with our accounting team, we can process one month refund to compensate for the inconvenience. If you agree to this arrangement, kindly inform us so we can promptly initiate the refund process.
  
  Thank you for your understanding and for giving us the opportunity to
  rectify this situation. We look forward to your response.
  
  Warm regards,
  
  ***** *.
  **********************************
  ************************************************************

  Customer Answer

  Date: 11/07/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

• Initial Complaint

  Date:11/04/2024

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company provides access to legal templates but then signs you up for annual fee and refuses to refund.

  

  Business Response

  Date: 11/05/2024

  Hello,

   

  Thank you for contacting Legal Templates.
  
  We have received your recent message. Unfortunately, the email address through which you contacted us or provided is not associated with any of our accounts.
  
  
  
  To better assist you, please provide us with the email address you used when you registered your Legal Templates account.
  
  
  If you are currently on a paid account, please provide the last FOUR digits of the credit card used to purchase, along with the name of the cardholder so I can locate your account correctly.
  
  
  
  Best,

  ***** *.

   

  ***************************************;
  ************************************************************

  Customer Answer

  Date: 11/07/2024

   I am rejecting this response because:

   

  email used was ******************************
  
  

  
  

  Customer Answer

  Date: 11/07/2024

  X5200

  

  Business Response

  Date: 11/07/2024

  Hello,

   

  Thank you for the information. However, we were unable to locate an account in our system using the provided email and last four digits. Could you please send us a bank statement showing the charge from Legal Templates? This allows us to forward it to our accounting team for further assistance.

   

  Best,

  ***** *.

  
  ***************************************;
  ************************************************************ 

  Customer Answer

  Date: 11/08/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

• Initial Complaint

  Date:10/23/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 13, 2024, I signed up for a seven-day free trial on the Legal Templates website. As part of this trial, I paid one dollar and downloaded one form. Before the trial period ended, I canceled my subscription, believing I had taken the necessary steps to avoid any charges. To my surprise, I discovered a series of unauthorized monthly charges made to my credit card in the amount of $39.95, totaling $239.70. To understand what had happened, I checked my inbox and spam folder for any communication from Legal Templates regarding my subscription status or any ongoing charges. Aside from the initial email that confirmed my signing up for the trial, I found no further notifications or reminders related to my account or the ending of the trial period On October 8, 2024, I contacted the Legal Templates customer care team, to dispute the unauthorized charges and cancel my subscription. They agreed to refund me for only two months of charges but required me to sign a nondisclosure agreement (NDA) before any reimbursement could be processed. This request raised immediate red flags about their business practices. I refused to sign the *** and escalated my complaint to a supervisor. After a series of back-and-forth emails, the supervisor eventually offered me a conditional three-month refund. Initially, when I pressed for a full refund, they insisted that company policy prohibited refunds beyond a two-month limit. Nevertheless, I was still required to agree and sign the NDA.This experience has led me to question the transparency and ethical standards of Legal Templates business practices. It raises serious concerns: Why would a reputable company withhold what appears to be my rightful refund and insist on confidentiality? I seeking assistance to reclaim the full amount of $239.70 that was charged to my account without my knowledge or consent. Your support in this matter is greatly appreciated. Thank you for your attention to this urgent issue.

  

  Business Response

  Date: 10/24/2024

  Hello,

   

  Thank you for reaching out. Firstly, I would like to extend my sincere apologies for any inconvenience you have experienced regarding your recent membership with us. Your feedback is invaluable, and we appreciate the opportunity to address your concerns via BBB.
  
  I'd like to clarify that, according to our records, you signed up for the trial subscription. This subscription is designed to give you full access to our wide range of personal and business legal forms. Please note that it automatically renews if not canceled within the specified time frame, as it is time-sensitive.
  
  To ensure transparency and to prevent any confusion, we have made it a point to prominently display our billing policy on both our pricing and checkout pages. We want to emphasize that our valued customers have the flexibility to cancel their memberships at any time, 24/7, either by accessing our online cancellation option or by reaching out to one of our dedicated **************** representatives via chat,
  phone, or email.
  
  After consulting with our accounting team, we can process a two-month refund to compensate for the inconvenience, as our system cannot refund transactions past 60 days. Furthermore, you'll retain access for the remainder of the month. We sincerely apologize for any inconvenience caused and hope this resolution meets your satisfaction. If you agree to this arrangement, kindly inform us so we can promptly initiate the refund process.
  
  Thank you for your understanding and for giving us the opportunity to
  rectify this situation. We look forward to your response.
  
  Warm regards,
  
  ***** *.
  **********************************
  ************************************************************

  Customer Answer

  Date: 10/26/2024

   I am rejecting this response because:  I am writing to address the issues regarding my subscription. As I've stated before on multiple occasions, the subscription was canceled before the end of the trial period, yet this cancellation has not been reflected in my account. I did not receive any confirmation email, but my credit card has been charged monthly without my consent or any notification from your company. this situation is perplexing, as I have not utilized the service since the trial period concluded, and it seems illogical to maintain an active subscription for a service no longer needed
  
  I demand a thorough and transparent explanation for the lack of communication regarding my cancellation and why it was not processed. When I contacted Legal Templates on October 8, 2024, I was offered a refund for two months on the condition of signing a nondisclosure agreement, which I find unacceptable. Furthermore, after escalating my concerns to a supervisor, I was offered a three-month refund despite being previously told that company policy limits refunds to two months. It is disappointing that instead of fully resolving this issue and refunding my money, you have offered me yet again a two-month refund and reiterated your refund policy.
  
  Your companys approach to refunds seems inconsistent, as evidenced by the conflicting information Ive received. I also require a clear explanation for the insistence on a nondisclosure agreement. My research has uncovered numerous similar complaints on the web and the Better Business Bureau (BBB) website. Unfortunately, I will not accept your current offer and insist on the full refund to which I am unequivocally entitled. Thank you.
  
  
  

  

  Business Response

  Date: 10/30/2024

  Hello,
  
  Thank you for reaching out regarding your recent inquiry about the charges on your Legal Templates account.
  
  Wed like to clarify that no NDA was sent to you, and our records, including email and chat transcripts from your contacts on October 8 and October 12, confirm this. Additionally, our system indicates that the account cancellation was not processed successfully, which is why the monthly charges continued.
  
  If you have any documentation showing the cancellation was completed, please share it with us to assist in a timely resolution. We are committed to ensuring all necessary steps are taken to review this matter accurately and transparently.
  
  We appreciate your patience and understanding.
  
  Best regards,  
  
  ***** *. 
  ***************************************;
  ************************************************************ 
  
  
  

  Customer Answer

  Date: 10/30/2024

   I am rejecting this response because: 

  Thank you for your response; I found it quite intriguing. It seems that you addressed only one of my questions and repeatedly posed the same inquiry back to me. I would like to offer a more comprehensive explanation in hopes that it illuminates the situation for you. I encourage you to revisit my previous emails for clarity, but I'm more than willing to answer your questions again in a detailed manner.
  
  You mentioned that your system indicated my attempt to cancel the account was not processed successfully, which is why I continued to incur monthly charges. While I appreciate that you verified my cancellation attempt, it's concerning that your system failed to successfully complete the cancellation. Despite this, my credit card was charged without my consent or knowledge, which is unacceptable. Regarding the documentation you referred to, I, too, possess copies of the emails and screenshots from the customer care interactions.
  
  On two separate occasions, your company proposed two different refund amounts: one for two months and another for three months. Interestingly, both of these offers came only after you cited a policy that supposedly prohibits refunds for more than two months. Furthermore, each of these offers was contingent upon my agreement to a non-dispute clause. Since your responses seem to neglect several of my questions, let me restate the core issues succinctly. As previously mentioned, I submitted my cancellation request before the end of the free trial. However, I cannot explain why it failed to process successfully. Had I been made aware that my subscription remained active, and had your company demonstrated transparency by notifying customers about ongoing credit card charges, I would have canceled the subscription and avoided this predicament altogether. I have several pressing questions regarding your company's operations:

  
  1. Why does your company lack transparency and fail to provide email notifications regarding ongoing credit card charges?
  2. Why are there inconsistent policies regarding refund amounts?
  3. Why was there an insistence on signing a non-dispute agreement to receive my refund?
  4. Why did your representatives claim they lacked access to the portal to confirm whether I used the service, yet you later confirmed that you could check your system to verify my cancellation attempt?
  
  I appreciate your assistance and hope this message helps clarify any confusion. It would be great if you could provide thoughtful responses to my questions, and I kindly request a full refund. Thank you!
  
  

  
  

• Initial Complaint

  Date:10/23/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company will **** you out if your hard earned money. I did a 7 day trial to which I had to put in my credit card information in order to do the trial. Ive been called back within the seven days to cancel the trial and was told that they did not have an account on my name. I looked upon my check account and noticed that $49 have been deducted from my account for **********************. I called to have this Refunded and explain the situation. It was told that I could not get my money back due to the fact that I went past seven days. The representative was very sneaky and kept me on the phone for almost an hour talking to me about the services and how they can improve as she was pretending to process my refund only to tell me after 47 minutes that she could not give me my refund, but she would cancel my account and I wouldnt be charged again. Life is expensive without companies, trying to rob us. After about an hour and her Conferring with the accounting department I was told that my refund would be processed. I just want to warn others. Do not use this company and get yourself caught up in this web of lies and deceit.

  

  Business Response

  Date: 10/24/2024

  Hello,

  Thank you for contacting Legal Templates.
  
  Our accounting team has completed processing the refund for $48.95.
  Your credit should appear, depending upon the practices of your financial institution, usually between 5 and 10 business days. If you do not see this credit, you will need to contact your financial institution for further details regarding this transaction.
  
  
  Thank you in advance for your time, and please let me know if you have any further questions.
  
  
  Best,
  
  
  ***** **
  ***************************************;
  ************************************************************