Terms and Conditions

The following Terms of Service are made between You and Beth Gatza Art, Elizabeth O'Malley (“Company”, “we”, or “us”).

The following terms and conditions, as well as any documents they expressly refer to (collectively, “Terms of Use”), govern your access to and use of bethgatzacourses.com and/or bethgatzaclasses.com including any content, features, or services offered on or via the Website (the “Website”).

The following terms and conditions (“Terms of Use”) govern your access to and use of bethgatzacourses.com/bethgatzaclasses.com, including any content, features or services offered on or via the Website. By accessing and using the Website, you accept and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, please do not access or use the Website. Our Privacy Policy is available here.

This Website is only available to individuals who are at least 18 years old. You certify and agree that you are of legal age to enter into a contract with the Company and satisfy all of the aforementioned requirements. If you do not fulfill any of them, you may not use or access this Website.

PRIVACY

The Privacy Policy also applies to your use of the Website. Please read our privacy policy in order to be informed about our data collection practices. Your agreement to the Privacy Policy is hereby incorporated into these Terms of Use.

FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY

The information on this Website and the resources available for download through it is intended as, and should not be interpreted or construed as legal, financial, tax, medical, health, or other professional advice.

NO GUARANTEES AS TO RESULTS

The Company does not guarantee that you will obtain any particular results from using the information on this Website and the resources available for download through it. To summarize, the Company specifically disclaims any assurance or guarantee in connection with the outcomes of executing any action, whether suggested on this Website or not. This Website aims to assist visitors in achieving their objectives. You are aware that the Company cannot control and/or influence your ultimate success or failure.

You also recognize that past performance is no guarantee of future success. As a result, the outcomes generated by others – whether consumers of the Company or otherwise – applying the principles outlined in this Website are not meant to be a guarantee that you or anybody else will be able to achieve comparable results.

INTELLECTUAL PROPERTY RIGHTS

You have a license to access and use the Website and its resources for lawful purposes only. You agree not to use the Website or any of its resources for any illegal or prohibited purpose. You will not attempt to obtain any materials or information through any means outside those intentionally made available and provided for through the Website. The Service and all materials on this website including without limitation text, software, scripts, code, applications, graphics, logos, images, audio and video materials and designs (collectively “Materials”) are owned by or licensed to us and are subject to copyright and other intellectual property rights under United States and foreign laws. All rights not expressly granted in these Terms of Use are reserved. You may access and display the Materials for your personal, non-commercial use only.

The Company or its suppliers own all content on the Service, such as text, graphics, logos, pictures, and the like. Copyright laws and other laws that protect intellectual property and proprietary rights prohibit us from copying or distributing any copyrighted software used on our Website. You agree to follow and comply with all copyright and other intellectual property notices, legends, or other restrictions included in any such material, as well as not to modify them.

You are granted a non-exclusive, non-transferable, revocable license to access and use the Website and its resources in accordance with these Terms of Use. You agree not to utilize the Website or any of its resources for any purpose that is unlawful or prohibited by these Terms. This includes obtaining or seek to obtain any materials or information through any means not intentionally made available by us. We reserve all rights not expressly granted to you in these Terms of Use.

The Company’s content is not for distribution. You are not permitted to make any unauthorized use of copyrighted material, and in particular, you are not permitted to delete or alter any copyright notices or attribution language in any material. You may only utilize protected material for your personal use and will not do so without the express written consent of the Company and the copyright owner.

You agree not to modify, reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any Material without the express prior written consent of us or the owner of the copyright or other proprietary right in such Material. We reserve all rights with respect to copyright and trademark ownership of all Materials on this website and will enforce such rights to the full extent permitted by law.

CANCELLATION / REFUND POLICIES

We strive to ensure your satisfaction with our services. For specific details on our cancellation and refund policies, please refer to the terms and conditions of each program, accessible via the provided links.

MASTERPIECE Membership: Please click here to review the program terms and conditions.

Realistic Portraits for Beginners: Please click here to review the program terms and conditions.

If you are found eligible for a cancellation/refund under this policy, the Company will instruct its payment processor to issue a refund as soon as possible. The Company has no control over its payment processor and can’t speed up any refunds.

Your licenses to use the goods given to you under these Terms of Use or any other agreement will immediately terminate if you obtain a refund on any purchase through the terms and conditions. You must delete all copies of the information you were given, including films, audio recordings, forms, template papers, slide shows, membership sites, and social media groups that are only available on the premises.

USER-GENERATED CONTENT

You understand that any information, communications, software, photos, text, video, graphics or other materials (“Content”), whether publicly posted or privately transmitted to the Website by users, is the sole responsibility of the person from which such Content originated. We cannot and do not control such Content and are not responsible for Content that you may find undesirable or objectionable.

By accessing the Website, you acknowledge and agree that you may be exposed to Content that is inaccurate, offensive, indecent or otherwise objectionable. Under no circumstances will we be liable in any way for any Content including but not limited to any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of your use of any Content.

You agree that you must evaluate, and bear all risks associated with the use of any Content, including any reliance on the accuracy, completeness or usefulness of such Content. You acknowledge that you may not rely on any Content created by or submitted to the Website.

The Company does not endorse or approve any Content accessible through the Website. We have no duty to monitor any user-generated content for accuracy, appropriateness, or quality, nor do we have a duty to correct errors in user-generated content or remove inappropriate user-generated content from our Website.

SUBMISSIONS

You acknowledge that any User Submissions you make are non-confidential for all purposes. By providing any User Submissions to us, you grant us a perpetual, irrevocable, non-exclusive, transferable, royalty-free worldwide license (with the right to sublicense) to use modify reproduce publish translate distribute perform display publicly post upload edit create derivative works from and otherwise exploit such User Submissions in any form medium or technology now known or later developed throughout the universe. You acknowledge and agree that we are free to use any ideas concepts know-how or techniques contained in your User Submissions for any purpose whatsoever including but not limited to developing commercial products and services incorporating such User Submissions.

If you make a User Submission you represent warrant and covenant that (I) you either are the sole owner of all User Submissions that you make or have all rights licenses consent permissions approvals authorizations releases and waivers necessary to grant us the license rights in these Terms of Use with respect to such User Submissions; (ii) your User Submissions will not infringe upon any copyright trademark trade secret patent or another proprietary right of any party; (iii) your User Submissions will not violate any rights of publicity privacy moral rights or other personal or proprietary rights of any party; (iv) your User Submissions will not be libelous or otherwise unlawful tortious or offensive; and (v) your User Submissions do not contain viruses Trojan horses worms malware spyware adware time bombs cancelbots harmful components or other destructive devices software.

LINKS TO THIRD-PARTY WEBSITES AND SERVICES

The Company Content may contain hyperlinks to websites operated by parties other than the Company (“Third Party Sites”). The Company does not control Third Party Sites and is not responsible for the contents available on them. You will need to make your own independent judgment regarding your interaction with these Third Party Sites. Our inclusion of hyperlinks to such Third Party Sites does not imply any endorsement of the material on such Third Party Sites or any association with their operators. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies, or no policy (policies) at all. We encourage you to read the privacy policies of any Third Party Sites you visit before providing any information to them.

CHANGES TO THE TERMS OF USE

Please note that we may update and modify these Terms of Use at any time. Such modifications are effective immediately upon posting. Your continued use of the Website after changes have been made constitutes your acceptance of the revised terms. We encourage you to review these Terms regularly.

TERMS OF SALE

These Terms of Use shall not apply to your purchase of products or services through the Website. Your purchase of products or services through the Website will be governed by our Terms and Conditions of Sale, which are incorporated herein by reference.

ACCESSING THE WEBSITE AND ACCOUNT SECURITY

We have the right to withdraw or modify any service or material we provide on our Website at any time at our sole discretion. We will not be responsible if for any reason all or part of the Website is inaccessible at any one moment or for an extended period. Occasionally, registered users may be prevented access to certain areas of the Website, or the entire website, without notice.

You may be required to submit certain registration information or other data to access the Website or some of its services. It is a condition of your use of the Website and any downloadable materials obtained from it that all of your information is accurate, current, and complete. This Website’s Privacy Policy applies to all information you provide to register with this Website, as well as any interactive features on the site. You consent to all actions we take with your data in your Privacy Policy. If you choose or are given a user name, password, or any other piece of information as part of our security procedures, you must keep such information confidential and cannot disclose it to anyone else.

Certain areas of this Website such as order forms for Products and Services are password protected (the “Secure Areas”). You agree that all information supplied by you in connection with your use of the Secure Areas is accurate, current and complete. You will not impersonate anyone else when using the Secure Areas. If we provide you with a user name, password or other code number or device to enable access to the Secure Areas, then that number or device is for your individual use only. You will not allow any other person to have access to the Secure Areas using your user name, password or other code number or device and you are responsible for preventing such unauthorized access. It is your responsibility to notify us immediately if there is any unauthorized access to your account or if any other security breach occurs. When using a public or shared computer to access your account, you should take care to ensure that others cannot see or record your password or other personal information.

In our sole discretion, we may suspend or terminate your access to the Site and/or Services at any time without notice if, in our opinion, you have violated these Terms of Use.

DISCLAIMER OF WARRANTIES

The website and all materials on the website are provided “as is” without any express or implied warranty of any kind including warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property. We also make no warranty that the website will operate error-free or that this website’s server is free from computer viruses or other harmful effects.

If applicable law does not allow the exclusion of some or all of the above implied warranties to apply to you, the above exclusions will apply to you only to the permitted by applicable law. If you are dissatisfied with this website or any content on the website or with these and conditions of use, your sole remedy is to discontinue using the website. You acknowledge your use of the website is at your own risk.

ACCURACY AND PERSONAL RESPONSIBILITY

We have used our best efforts to ensure that the information provided on this Website and the resources available for download are correct, valuable, and up-to-date, but we cannot guarantee it.

The Company and all of its owners, directors, and workers shall not be held responsible or answerable for any informational errors or omissions on the Website, or for any damage you may suffer as a result of failing to obtain competent counsel from a specialist who is knowledgeable about your issue.

You assume direct responsibility for the results of your actions by using this Website. You are obligated to accept full responsibility for any damage or loss you suffer as a result of using, or not utilizing, the information available on this Website, or the services accessible for download from it. Before taking any action or adopting any strategy suggested or recommended on this Website, you agree to use judgment and do thorough research.

GOVERNING LAW AND JURISDICTION

This Agreement is governed by the internal substantive laws of The United States, without respect to its conflict of laws principles. Jurisdiction for any claims arising under this Agreement shall lie exclusively with the state or federal courts within The United States.

INTERNATIONAL USERS

The Company operates and administers the Service from our offices in the United States. You are responsible for following all applicable laws if you access the Service from a location outside of the United States. You promise that you will not use the Company Content available via the Website in any country or in a manner that is prohibited by any applicable laws, restrictions, or regulations.

EMAIL AND OTHER ELECTRONIC COMMUNICATIONS

You consent to receive electronic communications when you visit the website or send emails to the company. These electronic communications may include notices about your account or information related to or promotional material for the company’s products and services. You agree that any notices, disclosures, agreements, or other communications that the company sends you electronically will satisfy any legal communication requirements, including that such communications be in writing, and other communications we provide to you electronically via email and on the Website.

We appreciate hearing from our visitors and welcome any questions, comments, or suggestions you may have. We may correspond with you by email, and there are several areas on this Website that allow you to send an electronic message to the Company. However, please note that sending us an email or other electronic communication does not establish a commercial relationship or any other kind of contractual relationship. We cannot guarantee the security of such communications and may be required to disclose them as a result of a court order.

USE OF COMMUNICATION SERVICES

The Company may from time to time provide interactive communication services on the Website, including, without limitation: (I) bulletin boards; (ii) chat rooms; and (iii) other message or communication facilities designed to enable you to communicate with others.

You agree to use the Communication Services only to post, send, and receive messages and materials that are proper and related to the particular Communication Service. By way of illustration, and not as a limitation, you agree that when using a Communication Service, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

Upload files that contain viruses, corrupted files or any other similar software or programs that may damage the operation of another’s computer.

Engage in commercial activities and/or sales without our prior written consent such as contests, sweepstakes, and pyramid schemes.

Download any file posted by another user of a Communication Service that you know or reasonably should know cannot be legally distributed in such manner.

Falsify or delete any author attributions, legal or other proper notices or proprietary designations, or labels of the origin or source of software or other material contained in a file that is uploaded.

Restrict or inhibit any other user from using and enjoying the Communication Services.

Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.

Harvest or otherwise collect information about others, including without limitation e-mail addresses, without their consent.

Violate any applicable laws or regulations.

You understand that all information, data, text, software, music, sound, photographs, graphics, video, and messages set forth on, or linked to this Website, including the Company Content (as defined below), is the property of the Company or its content suppliers and protected by U.S. and international copyright laws.

You agree not to copy, modify, rent, lease, loan, sell, assign, distribute, perform, display or reverse engineer any portion of this Website or any of the Products or Services offered on it; interfere with or disrupt any servers or networks used to provide this Website or its products and services; violate any requirements, procedures, policies or regulations of such networks; attempt to gain unauthorized access through hacking passwords etc., to this Website; use these communication services in connection with unsolicited emails mass mailings promotional offers for goods and services newsletter letters chain letters junk email or spamming and solicitations; use this Website or any of the Products and Services offered on it in any manner that would infringe, damage or otherwise violate any right of any third party including, but not limited to, their copyright trademark privacy and other personal or proprietary rights.

The Company reserves the right to delete any content, postings, messages and accounts (collectively “Content”) that it may deem in its sole discretion to be inappropriate for this Website. The Company also reserves the right (but has no obligation) to review any Content prior to posting and to delete any Content that violates these Terms of Use or which might be offensive, illegal, harmful or that might violate the rights of, or harm, any person or entity. You agree that you must evaluate and bear all risks associated with the use of any Content. The Company will not be liable in any way for any Content including, but not limited to, any errors or omissions in such Content, or for loss or damage of any kind incurred as a result of the use of such Content posted uploaded emailed distributed transmitted linked to or otherwise made available via this Website.

You acknowledge and agree that the Company may preserve Content and may also disclose Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these Terms of Use; (c) respond to claims that any Content violates the rights of third parties; or (d) protect the rights, property, or personal safety of the Company, its users and/or the public.

You understand that the technical processing and transmission of this Website may involve: (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. If you submit any information to us, you represent and warrant that such information is accurate and not misleading and that you have all necessary permission to submit such information. You hereby grant us a perpetual non-exclusive license use reproduce modify publish translate distribute perform display publicly post upload edit delete adapt create derivative works from any information or other Content that you submit post upload email or otherwise transmit to us (“User Submissions”) for any purpose including commercial purposes subject only to our Privacy Policy.

You agree not to: (a) use this Website in any manner that could damage, disable overburden or impair the site or interfere with any other party’s use and enjoyment of the Website; (b) collect, store personal information about others; (c) impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with a person or entity in connection with this Website; (d) interfere with security related features of the Website; (e) engage in illegal activities; (f) help anyone circumvent the security mechanisms of the Website; (g) upload post email or otherwise transmit any information or materials that contain viruses Trojan horses worms time bombs cancelbots or other computer programming routines that are intended to damage intercept interfere with or expropriate any system data or personal information; (h) use any robot spider scraper or other automated means to access this Website; (I) take any action that imposes an unreasonable large load on our network infrastructure; and/or (j) copy reproduce modify create derivative works from distribute publicly perform display license sell transfer publish post upload edit delete adapt the Website in whole or in part.

You will not frame hyperlinks to the Website without our prior written approval. We reserve all of our rights under the law to insist that any link to the Website be discontinued and to revoke your right to link to the Website from any other website at any time upon written notice to you.

You acknowledge that we may establish general practices and limits concerning use of this Website. You agree that we have no responsibility or liability for the deletion or failure to store email messages communications or other Content maintained transmitted by this Website. You acknowledge that we reserve the right to terminate accounts that are inactive for an extended period of time. You further acknowledge that we reserve the right to change these general practices and limits at any time in our sole discretion with or without notice.

PROPRIETARY RIGHTS

Your access to our Website is subject to these Terms of Use. While you may use the content for personal purposes, please remember that all materials are protected by intellectual property laws. We encourage the respectful use of our resources, in line with these terms.

You agree not to upload post email or otherwise send or transmit any material that: (I) infringes any patent trademark trade secret copyright or other intellectual property right of any person; (ii) is libelous slanderous or defamatory; (iii) is obscene pornographic hateful racially or ethnically offensive sexually explicit harmful to minors promotes illegal drugs violence or gambling; (iv) advocates illegal or violent activities; (v) contains viruses worms Trojan horses malware spyware adware ransomware or any other harmful code;

(vi) constitutes junk mail commercial advertisements chain letters or any other form of solicitation; (vii) contains personal information about yourself or another person such as addresses phone numbers email addresses credit card numbers or social security numbers; (viii) impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity; or (ix) violates the privacy rights publicity rights copyright trademark trade secret contract or any other right of any third party. You agree not to collect or harvest any personally identifiable information including account names from this Website nor to use Communication Services for any commercial solicitation purposes. You further agree that you will not solicit upload post email or otherwise send or transmit any material designed to interrupt interfere with destroy or limit the functionality of this Website including software viruses Trojan horses malware spyware adware ransomware or any other harmful code.

USE OF PAID COURSES, PROGRAMS, AND ASSOCIATED MATERIAL

The Company may offer certain programs services and/or products for purchase (“Paid Courses”) through the Website. The Paid Courses may be provided by the Company or by a third party. If you decide to purchase any of the Paid Courses offered for sale through the Website, you will be asked to supply certain information relevant to your purchase, including without limitation, your credit card number, expiration date, billing address and shipping information. The Company gives you a limited, personal, non-exclusive, non-transferable license to use our courses, programs, and associated material (the “Courses”) for your own personal or internal business purposes. Except as otherwise expressly provided, you agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, modify, enhance or in any other way utilize any of the Courses in any manner.

You agree that the Courses you buy or download may only be used for your personal or business purposes and cannot be sold or given away without the express written consent of the Company.

You further agree that you will not develop any derivative work based on the Courses, and you will not offer any competing products or services based on any information contained in the Courses.

LIMITATION OF LIABILITY

While we aim to provide high-quality content and services, we cannot be held liable for any indirect, special, incidental, or consequential damages arising from your use of our Website. This limitation of liability is in line with applicable laws and does not affect your statutory rights.

You expressly relieve the Company of any and all liability or loss you or any person or entity associated with you may suffer or incur as a result of using the information on this website and/or the resources downloaded from this website. To the fullest extent permitted by applicable law, in no event will the Company or any of its affiliates, directors, employees, agents, contractors, suppliers, or content providers be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Website, any websites linked to it, or any content on the website or such other websites whether based on warranty, contract, tort, or any other legal theory and whether or not advised of the possibility of such damages. You acknowledge that the firm is not responsible to you for any type of losses, including direct, indirect, special, incidental, equitable, or consequential damages relating to your use of this website.

The information, software, goods, and services offered through the website may contain inaccuracies or typing mistakes. Information is added to the site on a regular basis. The Company and/or its suppliers are free to make improvements and/or modifications to the website at any time. The Company and/or its suppliers make no warranties, expressed or implied, about the suitability, dependability, availability, timeliness, or accuracy of any information on the website for any purpose. All such information, goods, software, services, and related graphics are supplied “as is” with no warranty or condition of quality. The Company and/or its suppliers expressly disclaim all warranties and conditions with respect to this information, software programs, services, and related graphics, including any implied warranties or conditions of merchantability, fitness for a particular purpose, title, or non-infringement. To the greatest extent feasible under applicable law, the Company and/or its suppliers shall not be held liable for any direct, indirect, punitive, accidental, special, or consequential damages or any other kind of damages whatsoever resulting from the use or performance of the website, including but not limited to loss of use, data, or money, any claim based on a breach of duty.

The foregoing does not affect any liability which cannot be excluded or limited under applicable law. In no event will we be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this Website or use thereof or unavailability thereof or out of your use or inability to use this Website, even if we have been advised of the possibility thereof.

Some states do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you. In no event will our total liability to you for all damages, losses and causes of action whether in contract tort (including without limitation negligence) or otherwise exceed $100 (one hundred United States dollars).

You agree that we have no responsibility or liability for the deletion of, or the failure to store or to transmit, any content and other communications maintained by our Website. We retain the right at our sole discretion to create limits on storage and bandwidth usage at any time with or without notice. If you disagree with any aspect of the website, or if these terms of use are rejected, your only and exclusive remedy is to cease using the site.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, and third parties for any losses, damages, costs, or expenses (including reasonable attorneys’ fees) caused by your use of or inability to use the Website or services; any user postings submitted by you; your violation of any terms of this Agreement or your infringement of the rights of a third party; or your breach of any relevant laws. The Company has the option, at its own expense, to assume the entire defense and control of any matter otherwise covered by indemnification by you, in which event you will fully cooperate with the Company in developing any available defenses.

USE OF FREE DOWNLOADABLE CONTENT

The Company may offer various forms of free downloadable content through the Website, including but not limited to PDFs, eBooks, checklists, and templates (the “Content”). The Content is provided for informational purposes only. You agree that you will not sell or give away any of the Content without the express written consent of the Company.

You further agree that you will not develop any derivative work based on the Content, and you will not offer any competing products or services based on any information contained in the Content.

GUESTS

The Company may, from time to time, provide information from a third party in the form of a podcast guest interview, interview on another platform, guest blog post, or another medium. The Company does not necessarily endorse the opinions of these guests, nor does it guarantee the accuracy or completeness of any information provided by these guests.

ARBITRATION

In the event of a dispute, you agree to resolve the matter through binding arbitration in Los Angeles, California. This arbitration will be conducted on an individual basis, and you waive any right to class arbitration.

TERMINATION AND ACCESS RESTRICTION

The Company has the right, in its sole discretion, to terminate your access to the Website and the related services or any portion thereof at any time. To the greatest extent permissible under law, you hereby consent to submit any and all disputes concerning or relating to this Website or the Terms of Use pursuant to the Arbitration Clause above. Any person who uses the Website in violation of any term of these Terms, including, but not limited to, this section, is an infringer.

NO JOINT VENTURE OR OTHER RELATIONSHIP

You acknowledge that this agreement or your use of the Website establishes no joint venture, partnership, employment, or agency connection between you and the Company. Nothing in this agreement is intended to be a limitation on the Company’s right to comply with legal, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by the Company regarding such use. If any of these terms is found to be illegal or unenforceable, it will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement will continue in force.

ENTIRE AGREEMENT

This agreement, the Privacy Policy, and Disclaimer are the entire agreement between you and the Company with respect to the Website and supersede all prior or contemporaneous communications or proposals, whether electronic, oral, or written, between you and us with respect to the Website. The parties agree that all written discussions, notes, letters, e-mails, and other documents relating to this contract are admissible in legal or administrative proceedings based on or arising from this contract. It is the express desire of the parties that this agreement and all related papers be written in English.

CONTACT US

If you have any questions or comments regarding the Terms, please contact Beth Gatza Art.

Beth Gatza Art
Elizabeth O'Malley
PO BOX 570108
Tarzana, CA 91356

Email Address: info@bethgatza.com

Last Updated: January 24, 2024