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What is the official website of the payment service?

https://www.ujjivansfb.in

Where can I find the customer support contacts?

Visit the Ujjivan SFB website contact page or check your bank-issued documents for customer service details.

What is the hotline phone number?

1800 208 2121

Is there a toll-free support number?

Yes, Ujjivan SFB provides 1800 208 2121 as a toll-free customer service helpline.

What is the email address for technical support?
Are there separate emails for different types of inquiries?

For general banking inquiries, use [email protected]; loans inquiries have [email protected], and grievance redressal has [email protected].

Where can I find the online chat support?

Online chat support is available on the official website under the “Contact Us” or “Help” section if offered.

Does the chat support work 24/7?

Chat support may not be available 24/7; most banks offer chat during standard business hours for maximum staff availability.

Is there support through messengers (Telegram, WhatsApp)?

Support via WhatsApp is available at +91 96388 00107.

Can I contact support through social media?

You can reach Ujjivan SFB on platforms like Facebook, Twitter, and LinkedIn for customer support.

What are the support working hours?

Customer support usually operates from Monday to Saturday, 9:00AM to 7:00PM, excluding federal holidays.

Does support work on weekends and holidays?

Most financial services provide support on Saturdays but may have limited hours; support is usually unavailable on national holidays.

Are there regional offices for in-person visits?

Yes, Ujjivan SFB has branches throughout India for in-person support and banking needs.

Where are the physical offices located?

Offices are located in major cities across India, including Bengaluru (corporate office), Delhi, Mumbai, and others.

Can I schedule a personal meeting?

Clients can book personal meetings at local branches via phone, online appointment, or in-person requests based on branch policy.

Are there representatives in different countries?

Ujjivan Small Finance Bank operates solely within India and does not have international representatives.

In which languages is support available?

Customer support is typically available in English, Hindi, and most regional Indian languages.

How quickly does support respond to requests?

Telephone and WhatsApp queries usually receive immediate or same-day responses, while email inquiries may take up to 48 hours.

Is there a priority system for VIP clients?

Many financial institutions offer prioritized support for premium clients through dedicated relationship managers and faster response times.

Can I request a callback?

Callback requests can be made via the website, app, or phone banking, and are generally processed within one business day.

When was the payment service founded?

Ujjivan Small Finance Bank was founded in February 2017.

Who is the founder and owner of the service?

Ujjivan Small Finance Bank is promoted by Ujjivan Financial Services Ltd.; Samit Ghosh is the founder.

What is the development history of the payment service?

Ujjivan started as a microfinance institution in 2005, became a Small Finance Bank in 2017, and expanded rapidly with branches nationwide.

Have there been major updates or rebranding?

Transitioned from Ujjivan Financial Services to Ujjivan Small Finance Bank in 2017; ongoing service updates are periodically announced.

Who sits on the company's board of directors?

Board includes MD & CEO (Ittira Davis, as of 2025), independent directors, and representatives from major shareholders.

Are there investors or partners in the service?

Major stakeholders include Ujjivan Financial Services Ltd. and institutional investors; partnerships involve financial and technology service providers.

Does the company participate in stock trading?

Yes, parent company Ujjivan Financial Services Ltd. is listed on the NSE and BSE stock exchanges.

What is the company's market capitalization?

Ujjivan Financial Services Ltd. market capitalization fluctuates; refer to Indian stock exchange sites for current value.

Are there subsidiary companies or branches?

Ujjivan Small Finance Bank operates its own branch network across India and is a subsidiary of Ujjivan Financial Services Ltd.

What licenses does the payment service have?

Holds RBI Small Finance Bank license and relevant Indian banking regulatory approvals.

Who is the regulator for this service?

Reserve Bank of India (RBI) is the primary regulator overseeing operations.

In which jurisdictions does the service operate officially?

Ujjivan Small Finance Bank operates officially in India, with services restricted to Indian jurisdiction.

Are there licenses for cryptocurrency operations?

Ujjivan Small Finance Bank does not hold any cryptocurrency-specific licenses.

Does the service comply with AML/KYC requirements?

Yes, strict AML and KYC processes are followed as mandated under RBI and Indian law.

Are there security certificates (PCI DSS, etc.)?

Banks commonly hold certifications such as ISO 27001 for information security; PCI DSS may apply for card operations.

Has the service undergone security audits?

Regular security audits are required by financial regulations, typically conducted by accredited third parties or internal teams.

Is there insurance for client funds?

Deposits are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per depositor.

Which international standards does it comply with?

Complies with RBI, DICGC, ISO 27001, and industry security norms for banking.

Have there been any regulatory fines or violations?

No major regulatory violations publicly reported for Ujjivan Small Finance Bank.

What is the overall user rating of the service?

User ratings average 3.5–4.2 out of 5 on platforms like Google, App Store, and customer feedback sites.

Where can I find real reviews about the service?

Check Google Reviews, Trustpilot, Play Store, App Store, and independent banking forums.

What are the main user complaints?

Typical complaints include app technical issues, occasional delays in fund transfers, and branch service wait times.

What do users most often praise the service for?

Users frequently praise responsive customer service, wide branch reach, and low minimum balance requirements.

Are there issues with fund withdrawals?

Some users report minor delays during holidays; generally, withdrawals are processed efficiently.

How do users rate customer support?

Ratings for customer support are positive, with most users indicating satisfaction with response times and helpfulness.

Is the interface convenient according to users?

The digital interface receives mostly positive feedback for intuitive navigation and easy access to services.

Are clients satisfied with transaction speed?

Transaction speed is rated highly; most operations, especially transfers, are processed quickly.

How do they rate the service's reliability?

Reliability is rated as above average, with infrequent downtime or service disruptions.

Do users recommend this service?

User recommendation rates are good; many customers suggest the bank for its service quality and convenience.

How do experts assess the service's reliability?

Experts find the bank’s RBI backing and security practices to be robust and reliable.

Are there industry awards and recognitions?

Ujjivan SFB has received awards for financial inclusion, customer service, and technology innovation in banking.

Does the service participate in payment system rankings?

Yes, it routinely features in small finance bank and digital banking rankings in India.

How do independent auditors assess security?

External audits verify adherence to banking security standards and regulatory requirements.

Are there recommendations from financial regulators?

RBI registration and licensing imply regulatory approval and compliance endorsement.

What reputation does the service have among partners?

Partners and merchants regard Ujjivan SFB as a stable and reliable financial institution.

How do they evaluate solution innovation?

The bank is recognized for introducing easy onboarding and digital banking features.

Are there quality service certificates?

Common banking quality certifications such as ISO 9001 are pursued for service excellence.

Does the company participate in industry conferences?

Bank representatives attend finance industry events, fintech conferences, and regulatory forums.

How does the service position itself in the market?

Ujjivan SFB positions itself as a leading financial inclusion provider, serving urban and semi-urban clientele.

Which fiat currencies does the service support?

Indian Rupee (INR) only

Are cryptocurrencies supported? Which ones specifically?

Ujjivan Small Finance Bank does not support cryptocurrency transactions.

Is there a proprietary cryptocurrency or token?

No proprietary token or cryptocurrency is issued by Ujjivan Small Finance Bank.

Can currencies be converted within the service?

Currency conversion is not available; all services are INR-centric.

What exchange rates are used for conversion?

Not applicable as foreign exchange or currency conversion is not supported.

How often are exchange rates updated?

Not applicable.

Are stablecoins supported?

Stablecoins are not supported.

Can exotic currencies be handled?

No exotic or foreign currency support; services are restricted to Indian Rupees.

Are there currency restrictions in different countries?

The service is available only domestically, so national currency usage applies.

What types of transfers does the service support?

NEFT, RTGS, IMPS, UPI, Bill payments, and in-bank transfers are offered.

Can transfers be made between service users?

Yes, users can transfer funds internally within Ujjivan SFB accounts.

Are transfers to bank cards supported?

Transfers to debit cards are offered via standard inter-bank transfer options.

Is bill payment available?

Bill payment for utilities, phone, and DTH is available through online banking and mobile app platforms.

Are recurring payments supported?

Recurring payments for bills and EMIs can be set up via standing instructions.

Can automatic transfers be set up?

Automatic transfers (standing instructions and scheduled payments) are supported.

Is payment scheduling available?

Customers can schedule payments for future dates using online banking and the mobile app.

Are group payments supported?

Group payment/splitting features are generally not standard and are less common in Indian bank apps.

What are the minimum transaction amounts in the service?

Minimum transactions vary by service; NEFT/IMPS often have a ₹1 minimum.

What are the maximum amounts that can be transferred?

Maximum daily and transaction limits set by RBI and internal risk policy; IMPS typically allows up to ₹2 lakh per transaction.

Are there daily limits on operations?

Daily limits are set per transfer method, subject to RBI rules and account verification stage.

What monthly and annual limits are in effect?

Monthly and annual limits vary by account type, regulatory norms, and verification status.

Can limits be increased? How?

Limits can be increased by submitting additional documents, upgrading account status, or requesting branch assistance.

Do limits differ for verified users?

Yes, verified users can access higher transaction limits compared to non-verified users.

Do special limits apply in different countries?

Not applicable as service is only available in India.

Can operations be temporarily blocked?

Banks may temporarily restrict transactions for compliance, suspicious activity, or at user request.

Are there limits on the number of daily operations?

Maximum daily transaction count may be set by RBI or internal policy to manage risk.

What are the minimum amounts for account funding?

Funding minimums depend on method; cash deposits are typically allowed from ₹1.

What methods of funding are supported?

Funding can be done via cash deposit, NEFT, IMPS, UPI, cheque, and electronic transfers.

Are there fees for funding?

Most funding methods are free; some electronic transfers may include nominal service charges.

What are the minimum funding amounts?

Minimum deposit is typically ₹1 for electronic transfers and cash deposits.

How quickly are funds credited when funding?

Instant or same-day credit for electronic methods; up to 2–3 business days for cheques.

How can money be withdrawn from the system?

Withdrawals can be made at ATMs, branch counters, or by electronic transfer.

What withdrawal methods are available?

ATM, branch withdrawal, NEFT/IMPS/RTGS outward transfers, cheque withdrawals.

Are there fees for fund withdrawal?

ATM use may incur nominal charges beyond free transactions; branch withdrawals are usually free.

How long does withdrawal take?

ATM and cash withdrawals are instant; NEFT may take up to 2 hours, IMPS and UPI are instant.

What withdrawal limits are set?

Limits depend on account type and verification; ATM day limit varies (often up to ₹25,000–₹50,000).

How quickly are funds credited when funding with a card?

Debit card funding to account is instant or near-instant.

How long does a bank transfer take?

NEFT takes up to a few hours; RTGS is real-time during service hours.

How quickly do cryptocurrency transfers arrive?

Cryptocurrency transfers are unsupported.

Are transfers between users instant?

Internal transfers and UPI/IMPS are instant.

Are there delays when funding on weekends?

Electronic funding via UPI/IMPS is available 24/7; NEFT may be delayed if processed on a non-working day.

Do holidays affect funding speed?

Some banking services may be slower during holidays; instant payment systems (IMPS, UPI) are typically unaffected.

Can crediting be accelerated for a fee?

Expedited credit is generally not offered as electronic channels provide instant or same-day credit.

What determines the speed of funding processing?

Funding speed depends on payment method, bank working hours, network traffic, and compliance checks.

Are there notifications about funding status?

Banks provide SMS/email alerts for successful deposits, pending, and failed transactions.

What to do if funding takes too long?

Contact customer support, check transaction status, and visit the branch if necessary for escalation.

How quickly are withdrawal requests processed?

Withdrawals are processed instantly via ATM or immediately via electronic transfers; branch requests clear same-day.

How long does card withdrawal take?

ATM withdrawals are instant; other card-related withdrawals clear per network protocols.

How quickly do bank transfers arrive?

IMPS and UPI transfers are instant; NEFT is settled in batches, usually within a few hours.

Are cryptocurrency withdrawals instant?

Cryptocurrency withdrawals are not possible as the bank does not support crypto operations.

Are there withdrawal delays on weekends?

IMPS and UPI withdrawals work 24/7; NEFT/RTGS may be delayed on non-banking days.

Do holidays affect withdrawal speed?

Electronic payment channels remain functional; traditional bank processing may slow down on holidays.

Can withdrawal be accelerated for an additional fee?

No separate acceleration fee; electronic withdrawals are already instant or same-day.

What determines withdrawal processing time?

Withdrawal speed depends on the chosen method, regulatory checks, and banking schedule.

Are there notifications about withdrawal status?

SMS and email notifications are sent for withdrawals, including pending, successful, or failed transactions.

Can a withdrawal request be canceled?

Most electronic withdrawals are irrevocable; manual cancellation may be possible for delayed or pending cheque transactions.

How to register with the payment service?

Account opening can be done online, via mobile app, or by visiting a Ujjivan SFB branch with ID documents.

Can registration be done without email?

Registration is possible without email; phone and document identification suffice.

Is phone confirmation required during registration?

Phone number verification by OTP is required for digital and app-based enrollment.

Are there age restrictions for registration?

Minimum age for account opening is typically 18 years.

Is it required to provide real data?

True, accurate personal details and documentation are mandatory for regulatory compliance.

Can registration be done through social networks?

Social network sign-up is not standard for regulated bank accounts; identity documents are required.

Are there country restrictions for registration?

Only Indian residents or entities can register for Ujjivan SFB accounts.

What verification levels exist?

Basic KYC, full KYC, and enhanced verification for higher-value services and limits.

What documents are required for basic verification?

Aadhaar, PAN card, address proof, and a recent photograph.

Are documents needed for full verification?

Yes, additional documents like income proof or company papers for advanced accounts.

Are digital copies of documents accepted?

Digital copies or scanned documents are accepted for preliminary verification; originals may be needed for final approval.

How long does the verification procedure take?

Verification lasts from instant (digital KYC) to 2–3 working days for manual review.

Can the service be used without verification?

Basic services may be offered pre-verification; full access needs successful KYC completion.

What restrictions apply to unverified users?

Lower account limits, limited transaction capabilities, and no access to advanced products.

Is address confirmation required?

Address verification is needed via document submission or Aadhaar linkage.

Is a selfie with documents required?

A selfie/live photo with ID may be requested for digital onboarding and KYC confirmation.

How often do documents need to be updated?

Document refresh is required periodically or if major details change; frequency is set by bank and RBI norms.

What encryption technologies does the service use?

Advanced encryption like SSL/TLS, AES, and secure API protocols protect user data and transactions.

Is two-factor authentication supported?

2FA is supported via OTP, biometrics, and authentication codes for sensitive actions.

Are there SMS confirmations for operations?

Transaction and login confirmations are sent via SMS for added security.

Is biometric authentication supported?

Biometric login (fingerprint, face ID) is available for mobile apps with device compatibility.

Is blockchain technology used?

Blockchain is not used in service delivery for Ujjivan SFB at present.

Is there a multi-level security system?

Multi-layered security with firewalls, encryption, biometrics, and risk-monitoring systems is utilized.

How is user personal data protected?

Data is securely stored, encrypted, and handled as per RBI, IT Act, and privacy law guidelines.

Is cold storage used for cryptocurrencies?

Not applicable, as the bank does not support crypto assets.

Is there DDoS attack protection?

DDoS protection and risk mitigation strategies are employed through advanced infrastructure and providers.

Are regular security audits conducted?

Scheduled audits and compliance checks are carried out by internal and third-party auditors.

What anti-phishing protection measures are provided?

Banks use multifactor authentication, anti-phishing alerts, URL protection, and customer education.

Is there a suspicious activity detection system?

Advanced monitoring systems track and flag suspicious transactions to prevent fraud.

How does the service combat money laundering?

AML measures include transaction monitoring, alerts, reporting obligations, and extensive customer verification.

What to do when fraud is detected?

Contact support, block account temporarily, submit a formal report, and cooperate with authorities for resolution.

How to report suspicious activity?

Report via phone, email, or directly at the branch; online forms may be available for quick submissions.

Is there compensation for damage from fraudsters?

Reimbursement may be available subject to investigation, service terms, and regulatory guidelines.

What user rights exist for disputed transactions?

Customers can dispute transactions, request investigation, and access regulatory complaint mechanisms.

Is there insurance against cyber attacks?

Most banks maintain insurance and risk coverage for cyber incidents as part of their operational resilience policy.

What fees does the service charge for transfers?

NEFT, RTGS, and IMPS fee structures apply, generally as per RBI guidelines; some transfers are free.

Are fees charged for fund withdrawal?

ATM transaction fees may apply after a set of free monthly uses; branch withdrawals are usually free.

Are there fees for currency conversion?

Not applicable, as only INR transactions are supported.

Are fees charged for operation cancellation?

Fees do not usually apply for cancellation, except for cheques already processed or scheduled future payments.

Are there fees for expedited operations?

Expedited electronic operations are not separately charged, as instant transfers are the standard.

Are there hidden fees?

Fee structures are disclosed in tariff schedules, ensuring transparency per regulatory requirements.

How are fees calculated for large amounts?

Fees are calculated proportionally or capped as per RBI and internal tariff policy.

Are there different tariff plans in the service?

Differing account types (regular, salary, business) come with distinct tariff structures and benefits.

What advantages does VIP status provide?

VIP clients receive dedicated relationship management, high transaction limits, and priority service.

How to get preferential conditions?

Apply for premium accounts or VIP plans, subject to eligibility checks and relationship manager approval.

Are there free operations per month?

A set number of free ATM and electronic transactions is included monthly, as per account type.

Are there discounts for active users?

Loyalty and activity-based offers may grant fee waivers or bonus services.

Are there corporate tariffs?

Business solutions include tailored tariffs, bulk transaction pricing, and enhanced banking features.

Can individual conditions be obtained?

Individual negotiation of fees and services is possible for premium or corporate clients.

Do promotional codes work for fee reduction?

Occasional promotional offers or codes provide discounts or fee waivers during campaigns.

Are there cashback programs?

Cashback offers exist for select debit card transactions and partnerships.

Are there discounts for transaction volumes?

High-volume business clients can access discounted rates or waived charges.

Is there an official mobile application?

Yes, Ujjivan SFB has an official mobile banking application.

On which platforms is the application available?

Available for Android and iOS devices.

What functions are available in the mobile application?

Account summary, fund transfer, bill payment, transaction alerts, branch locator, card management, service requests.

Does functionality differ from the web version?

Mobile app offers streamlined features; full options are accessible via website online banking.

Is Touch ID/Face ID supported?

Yes, fingerprint and face authentication are supported where compatible.

Can the application work offline?

Offline functionality is limited; online access is required for most operations.

Are there push notifications about operations?

Yes, push notifications provide transaction alerts and account updates.

Is dark theme supported?

The app’s latest versions generally support dark theme or night mode options.

How often is the mobile application updated?

Updates are released regularly, typically every few months for security and feature improvements.

Are there beta versions of the application?

Beta versions may periodically be offered for select users via app stores or special programs.

Is the web interface of the service convenient?

The web interface is designed for usability, accessibility, and efficient navigation.

Is responsive design supported?

Web banking is optimized for mobile devices with responsive layouts.

In which languages is the interface available?

English and Hindi are standard; many services support regional Indian languages.

Can personalization be configured?

Users can configure dashboard, alerts, and simple personalization options in both app and web.

Is there a night mode for the website?

Dark or night mode is not broadly available on the website; may be released in future updates.

Are hotkeys supported?

Hotkeys are rarely supported; navigation is primarily through menus and click-based interface.

Can data be exported?

Download and export features for statements and transaction records in standard formats (PDF, Excel) are supported.

Is there an API for developers?

APIs are available primarily for business clients and partners for integration purposes.

Is integration with other services supported?

Integration with fintech, accounting, and payment platforms is feasible through approved APIs and partner services.

How often is the web interface updated?

Web interface enhancements are released periodically, typically quarterly or with regulatory updates.

Are there virtual cards in the service?

Virtual debit cards may be available for specific account types and online transactions.

Can disposable cards be created?

Disposable or temporary cards are not standard; card blocking and re-issuance is supported.

Is multi-currency account functionality supported?

Multi-currency accounts are not currently supported.

Are there investment products?

Fixed deposits, recurring deposits, and insurance products are available.

Can interest be earned on balance?

Yes, interest is paid on savings, FD, and RD balances as per applicable rates.

Are there credit products?

Personal, business, home, and vehicle loans, plus overdraft facilities.

Is P2P trading supported?

Peer-to-peer trading is not supported as part of Ujjivan SFB’s offering.

Can cryptocurrencies be bought/sold?

Cryptocurrency trading is not supported by regulated Indian banks.

Is there acquiring for business?

Merchant acquiring and POS payment processing are offered for business clients.

Are mass payouts supported?

Business accounts support bulk payments, payroll, and vendor payouts.

Is there a loyalty program in the service?

Loyalty programs and special offers may be extended for card usage and active customers.

How are bonus points earned?

Points are accrued via eligible debit card transactions, spends, or promotional participation.

What can accumulated points be spent on?

Points can be redeemed for statement credits, merchandise, vouchers, or partner offers.

Are there referral programs?

Referral bonuses are provided for bringing in new customers, subject to campaign availability.

What privileges do VIP clients have?

VIP clients benefit from personal banking, higher limits, faster service, and exclusive offers.

Are there seasonal promotions and offers?

Seasonal promotions are run for festivals, new launches, and tie-ups.

Can premium status be obtained?

Premium status is available for high-net-worth and qualifying clients.

Are there partner discounts?

Discounts at partnered merchants and service providers are promoted through banking campaigns.

Are there corporate loyalty programs?

Business and corporate clients can participate in tailored loyalty and reward programs.

Does the service allow operations with online casinos?

Transactions with online gambling sites are typically blocked or restricted per Indian banking norms.

Are there restrictions on gambling transactions?

Indian banks largely restrict or block gambling-related transactions due to regulatory guidelines.

Can accounts be blocked for casino play?

Accounts may be suspended or flagged if unauthorized gambling activity is detected.

How does the service view gambling?

The bank follows regulatory guidelines which discourage and restrict payments for gambling purposes.

Are there special conditions for gambling?

Special terms may include blocking, transaction flagging, or compliance reporting for gambling transactions.

Are casino transactions tracked?

Gambling activity is monitored for compliance and anti-money laundering purposes.

Can operations with gambling sites be hidden?

Transactions are recorded and reported as per legal requirements; concealment is not permitted.

Are there notifications about gambling expenses?

Most banks do not provide specific alerts for gambling expenses, but transaction notifications are sent.

Are there special fees for gambling operations?

Gambling-related payments may be declined or blocked; additional fees are not typically applied.

Can limits be set on gambling?

Specific gambling transaction limits are not usually offered; general transaction controls apply.

Is there a self-exclusion function?

Self-exclusion for gambling is not standard; transaction or account blocks may be requested.

Can access to gambling sites be restricted?

Payment blocking to gambling merchants is enforced per regulatory and compliance policy.

Is gambling expense control supported?

Dedicated spending control tools for gambling are not common; overall expense tracking features are offered.

Are there notifications about limit exceedance?

Limit alerts are provided for general transaction thresholds, not specifically for gambling.

Can operations with casinos be blocked?

Yes, the bank can block casino and gambling payments per Indian financial regulations.

Is there gambling expense statistics?

Gambling-specific analytics are not offered, but general spending summaries are available.

Is a "cooling-off period" supported?

Cooling-off for gambling is not standard in Indian banking; users may request temporary account blocks.

Can help be obtained for gambling addiction?

Banks normally direct individuals to external support services or helplines.

Is there partnership with player assistance organizations?

Partnership with gambling addiction organizations is not a standard practice for banks.

How to set up gambling expense notifications?

Custom notifications can be configured for transaction types and amounts; specific gambling alerts are not standard.

Which online casinos accept this payment method?

Acceptance of Indian banking services for online casinos is rare; usage is restricted by Indian law.

Are there exclusive partnerships with specific casinos?

No exclusive partnerships with casino merchants due to regulatory restrictions.

Do conditions differ when used in different casinos?

Terms reflect broader regulatory policies, not casino-specific arrangements.

Are there special bonuses for using this method in casinos?

Special bonuses for casino payments are not offered by regulated banks.

Can the method be used for both deposits and withdrawals in casinos?

Generally, bank transactions to and from casinos are not permitted or restricted.

Are there geographic restrictions for casino usage?

Usage is restricted by Indian law, with regional blockages for gambling sites.

How do casino operators typically process transactions from this method?

Casino operators rarely process Indian banking transactions due to national regulatory barriers.

Are there typical processing times when used with casinos?

Not applicable, as casino payments are not typically supported or processed.

Do casinos usually charge additional fees for this method?

Not applicable since Indian banks seldom support casino transactions.

Are there any known compatibility issues with major casino platforms?

Indian banking platforms generally do not integrate with casino payment solutions due to regulatory restrictions.