Terms and Conditions

Northwest Missouri Cellular Service Agreement

Product Agreement & Terms and Conditions


This Service Agreement, Product Agreement and Terms and Conditions (Agreement) between you, the customer, and Northwest Missouri Cellular (NWMC), its agents and subsidiaries includes this Agreement, including the applicable terms and conditions, any Wireless Device Financing Agreement between you and NWMC, any applicable supplemental terms and conditions and plan terms and policies set-forth on our website such as NWMC’s Acceptable Use Policy, Open Internet Policy, and Privacy Policy, as such policies may be updated from time-to-time, and modified terms and conditions as provided for herein. NWMC provides mobile wireless service (Service) on the terms and conditions specified herein and at rates, and charges established from time to time. The Service includes your calling plan, features you may use and any optional services that you may select or use.  These terms of service are subject to change.  Any changes to the terms and conditions of service are effective when we publish them on our website or in a monthly bill. If you activated your mobile wireless service before the effective date of these terms and conditions, these terms and conditions replace and supersede any previous terms and conditions. The terms and conditions included with your wireless device may not be the most current version. For the most current version of the terms and conditions, please visit our website at www.nwmcell.com or call customer service toll free at 1-800-331-6341 to request a copy of the most current terms and conditions. Every use of the term “you” or “your” in this Agreement includes you, individually, as well as any company or other entity on whose behalf you are acting in submitting this application for service and/or equipment.

ACCEPTANCE - You agree to the then current terms and conditions of service when you do any of the following: (1) sign the Agreement with us on paper or electronically; (2) tell us orally or electronically that you accept the terms and conditions of service; (3) activate Service or attempt to use our Services (including, without limitation, attempting to place a call on the NWMC network, or off the network when roaming, including "911" or similar calls); (4) pay for the Service; (5) open any package or start any program that says you are accepting the agreement when doing so; and (6) use your Service after making any change or addition in your Service plan or equipment.

NWMC requires that you maintain a physical address within Atchison, Gentry, Holt, Nodaway and Worth counties in order to continue service.  NWMC reserves the right at any time for any reason, including excessive usage outside NWMC Local Coverage Area, to discontinue service provided, or change customers’ plan and features, with 30-day notice to customer.

AVAILABILITY OF LIMITED SERVICE - Service is generally available to mobile wireless radio units (also referred to as cellular telephones or wireless devices) equipped for this Service and when within the range of cell sites located in the Service area. Even within the Service area of a cell site, many factors can affect the availability and quality of your Service, including network capacity, your device, terrain, buildings, foliage and weather.  Service is furnished for use by you or your authorized user. A telephone number may not appear in more than one mobile radio unit. Orders including those which involve the start, change or discontinuance of Service, will be accepted by NWMC only from you or your authorized user.  If you port a number to NWMC, NWMC may not be able to provide some services right away, such as 911 location services.

SERVICE NUMBER - You have no property right in the Service number.  NWMC reserves the right to assign, designate, or change such number when in its sole judgment, such assignment, designation or change is reasonably necessary in the conduct of its business.  NWMC will give you prior notice of any such number change. You may not: (1) modify the number we program into any phone or other equipment; (2) transfer or duplicate the number to any phone or other equipment other than that authorized by us or as expressly allowed by the rules and regulations of the Federal Communications Commission regarding number portability; or (3) transfer the number to any other individual or entity without our permission.

SERVICE COMMITMENT - You have agreed to a month-to-month service term with NWMC. The term of your Service Commitment begins with the first day your service is activated and shall continue until terminated by either party.

If your current Service is pursuant to a specified contract term that is not a month-to-month service term, you will remain subject to the contract term as stated on the front of this Agreement until such term expires (“Contract Term”), at which point your service commitment will convert to a month-to-month service term, and will continue as specified herein.  If your Service is pursuant to a Contract Term, you understand and agree that NWMC’s damages arising out of any breach of your service commitment will be difficult, if not impossible, to determine.  THEREFORE, IF BEFORE EXPIRATION OF THE CONTRACT TERM OF YOUR SERVICE COMMITMENT, YOU TERMINATE YOUR SERVICE, OR NWMC TERMINATES FOR GOOD CAUSE, YOU HEREBY AGREE TO PAY THE EARLY TERMINATION CHARGES FOR LIQUIDATION DAMAGES IN THE AMOUNT SPECIFIED HEREIN TO COMPENSATE NWMC FOR ITS COSTS, INCLUDING COSTS OF ACTIVATION OF YOUR SERVICE, INSTALLATION, EQUIPMENT, ANTENNA, MINUTES OF USE AND/OR OTHER SERVICES WHICH WERE PROVIDED BY NWMC TO YOU IN EXCHANGE FOR AND IN RELIANCE UPON YOUR AGREEMENT TO THE SERVICE COMMITMENT.  If you terminate Service before the completion of the Contract Term, if applicable, you remain liable for liquidated damages in the event of early termination.

Cancellations will become effective on the date of notification, and you are responsible for all charges incurred until then. This Agreement and commitment cannot be assigned without the consent of NWMC.

DEPOSITS - At any time, NWMC may require you to make a suitable deposit to be held by NWMC, and you hereby grant NWMC a security interest in such deposit, to secure the payment of all sums due hereunder and on other accounts for which you are responsible for payment, as well as for the performance of all other obligations you may have to NWMC, whether now existing or hereafter arising. Upon termination of Service, or after one (1) year of good payment history, up to the discretion of NWMC, NWMC may apply your deposit against the outstanding amounts due hereunder, or against the outstanding amounts due on any other account for which you are responsible for payment, or any other amounts you owe NWMC. The balance of the deposit, after all obligations to NWMC have been satisfied shall be returned to you. NWMC may require an additional deposit at any time during your Service commitment.

RATES, CHARGES, AND PAYMENT - You will receive monthly bills, which are due and to be paid in full on the due date shown on the bill. You are responsible to pay NWMC for all charges assessed to your wireless device, including mobile wireless and/or cellular airtime charges on the subscribed system and charges incurred on other mobile wireless and/or cellular systems (roamer charges), text charges, data charges, recurring monthly access, optional features, if any, toll charges assessed to your mobile number, collect calls, third party billed charges to wireless device, roaming administrative charges, interconnection/land charges, applicable taxes and assessments, and other charges for calls billed to your service number or wireless device. You may also have to pay a non-refundable activation fee to begin service, reconnect service, or activate additional devices. We also charge monthly fees (such as universal service and regulatory fees) to help defray the costs of complying with governmental regulations and requirements. These fees are not taxes, are not required by law, and are subject to change. We set these charges, and may keep the amounts in whole or in part.  You accept responsibility for outgoing and incoming calls, messages, and data to and from your wireless device. Chargeable time for calls or data sessions originated or received by a wireless device begins when the signal connection is established to the carrier facilities and ends when the wireless device signals call or data session disconnects at the carrier’s facilities. These charges are assessed based upon connection to the carrier facilities, regardless of whether the call or data session is completed. When using the Call Waiting or 3 - Way Calling Features, you will be billed for the duration of each connected call from connection to final disconnect. Local airtime rates and peak/off peak hours vary by market.

There is a minimum charge for each connected call. Airtime is billed in minutes. Actual airtime usage is rounded up to the next minute for billing purposes. Monthly recurring charges are billed a billing cycle in advance. You agree that proration of charges has been explained to you. For charges based on the amount of data sent or received, we will round up any fraction to the next full kilobyte, megabyte or gigabyte, depending on how you are billed for data usage.  Data transfer amounts will vary by application.  NWMC reserves the right to increase any and all rates or features, make changes to your subscribed airtime plan or features, and change its peak/off peak hours upon thirty (30) days notice to you. NWMC reserves the right during the term of this Agreement to discontinue offering certain airtime rate plans or features and to change available rate plans and features upon thirty (30) days notice to you. You may, during that thirty (30) day period choose from other available rate plans or features. Should you fail to select another available rate plan or features within that thirty (30) day period, you agree that NWMC may assign your service to a comparable available rate plan or features. You are responsible to notify NWMC in writing of any disputed charges within sixty (60) days of the date of the initial charge. Unless otherwise provided by law, you are still required to pay all charges until the dispute is resolved. If you do not notify NWMC within the 60-day notice of dispute time period in the manner stated, you will be deemed to have waived your right to dispute such amounts or procedures in question. You hereby authorize NWMC to periodically review your account information for the purposes of evaluating NWMC’s offerings to you.

DEVICE DISCOUNTS: NWMC may periodically offer a device discount credit promotion. If you receive this monthly credit as part of the promotion, the monthly credit will not exceed the purchase price of the device and is only applicable with a finance agreement for 24 months.  The monthly credit will be removed if the device financing is paid before the 24 month agreement and will be removed if additional payments are made towards the finance agreement resulting in the agreement being paid before the 24 month term. Making a down payment on the device at point of sale may result in a deduction of the monthly credit. The credit is not available on all plans and will be removed if a plan change is completed to a lower cost plan. Upon disconnection, the monthly credit is removed, though the finance agreement terms are still applicable.

DEVICE DISCOUNTS: NWMC may periodically offer a device discount credit promotion. If you receive this monthly credit as part of the promotion, the monthly credit will not exceed the purchase price of the device and is only applicable with a finance agreement for 24 months.  The monthly credit will be removed if the device financing is paid before the 24 month agreement and will be removed if additional payments are made towards the finance agreement resulting in the agreement being paid before the 24 month term. Making a down payment on the device at point of sale may result in a deduction of the monthly credit. The credit is not available on all plans and will be removed if a plan change is completed to a lower cost plan. Upon disconnection, the monthly credit is removed, though the finance agreement terms are still applicable.

PAYMENT TERMS - Payment is due in full with the execution of this Service Agreement by you, or as otherwise agreed to by the parties. Additionally, you must pay, by each invoice date, all charges for Service provided to each wireless device that our records show you activated no matter who actually uses or has possession of wireless devices at the time Service is provided. A monthly late charge shall accrue on any amount remaining unpaid, at the lesser of one and one half percent (1 ½%) per month or the maximum rate permitted by applicable law.  If you have authorized payment for Service or equipment by credit card or by debiting a bank account, no additional notice or consent is required before we invoice your credit card or debit your bank account, for all amounts (including any late charges, reactivation charges, taxes or other regulatory related charges) due to us or billed by us on behalf of a third party. You must promptly notify us of any change in your address, the credit card used for payment, or the bank account used for bank debits.

TAXES - The price of the Service does not include sales, use, excise, ad valorem, property or any other tax now or which may be hereafter imposed, directly or indirectly, by any governmental authority or agency with respect to the Service. Customer shall pay such taxes directly or reimburse NWMC for any such taxes, which NWMC may be required to collect or pay immediately upon the invoicing of any such taxes. Some cities may also impose a telephone license tax or gross receipt tax. Federal, State and Local taxes as well as other fees also apply. Taxes imposed by governmental authorities may change without notice.

NON-PAYMENT/BREACH - A charge in an amount of no less than $30.00 will be made by NWMC for any check or other negotiable instrument tendered by you and returned unpaid by a financial institution for any reason, and NWMC may demand payment by money order, cashier’s check or similarly secure form of payment, at NWMC’s discretion. You shall pay to NWMC all costs and expenses, including without limitation, reasonable attorneys’ fees, the fees of any collection agency, and court costs incurred by NWMC in exercising any of its rights or remedies hereunder.  The collection fee shall in no event exceed the amount prescribed by law.

CREDIT INFORMATION - You consent to NWMC’s disclosure of account information to or from credit reporting agencies, credit bureaus, private credit reporting associations, or to or from other providers of cellular service at any time during your service with NWMC.

TERMINATION OF SERVICE - You may terminate service by notifying NWMC. NWMC may terminate your Service for non-payment of any sum due NWMC hereunder, or non-payment of any amount due NWMC on any other account for which you are responsible for payment, or for non-payment for any other Service, repairs or equipment furnished in connection with your wireless device or upon violation of any of the conditions of this Agreement, including violation of NWMC’s Acceptable Use Policy, and/or fraud. Subject to any applicable regulation or tariff, NWMC may by notice to you, without incurring any liability, either temporarily discontinue your service, or terminate your service and this Agreement at NWMC’s sole discretion. NWMC may also terminate Service in the event of your insolvency, receivership, voluntary or involuntary bankruptcy, assignment for the benefit of creditors or sale of substantially all of your assets. You agree to pay any charges as described in Service Commitment for all above mentioned reasons of termination.

NWMC requires that you maintain a physical address within Atchison, Gentry, Holt, Nodaway, or Worth counties in order to continue Service. NWMC reserves the right at any time, and for any reason, including excessive usage outside NWMC local coverage area, to discontinue Service provided, or change your plan and features, with 30 days’ notice to you. Service may also be refused or discontinued without notice in the event that: 1) Service is used in such a manner that will adversely affect NWMC service to others, is in violation of NWMC’s Acceptable Use Policy, available at www.nwmcell.com, or is otherwise in violation of any Federal Communication Commission Rule or Regulation or state, federal or local laws; 2) services are not available from the network provider or its successor; 3) your credit information provided to NWMC is inaccurate; or 4) NWMC becomes aware of facts indicating that your credit standing has deteriorated. NWMC reserves the right to require a deposit for continuation of Service, if NWMC deems such advisable if your Service is interrupted or disconnected, a reconnect fee may be applicable. If you are a new customer and are not satisfied with the device or Service provided by NWMC, you may cancel your new Service Agreement within fifteen (15) days of the date of activation. If you are an existing customer and have changed your device and/or Service and are not satisfied with your device or Service, you may revert back to any immediately prior Service plan to which you subscribed or change your device, subject to any price changes within (15) days of the date of entering into the new Agreement. All equipment including your wireless device and any accessories associated with this Agreement that you are cancelling must be returned within the fifteen (15) day period in like new condition and in original packaging with all components and paperwork. A fee may apply for wear or use of the equipment, left up to the discretion of NWMC up to retail price of the handset.   Applicable taxes and surcharges are nonrefundable and will be billed to you for the period up to the 15 days in which you have service. If the bill is left unpaid, you will be in default of the Agreement. If federal law requires, you will be allowed to have your wireless service number moved to another provider of mobile wireless/cellular service (i.e., ported). Only currently active numbers may be ported. In order to be eligible to port a wireless service number, you must have your new service provider request that your then current number be ported on your behalf prior to terminating your Service under this Agreement. Porting of a wireless service number does not relieve you of any obligations remaining or otherwise owed under this Agreement, including, but not limited to any unpaid balances, and outstanding device financing charges.


APPLECARE+ PROTECTION PLAN - If you purchased the AppleCare+ Protection Plan (Plan) pursuant to the option to pay by a monthly recurring charge, you hereby appoint NWMC as your agent and authorize NWMC to act on your behalf to cancel or modify your AppleCare+ contract with Apple upon (1) your cancellation of the Plan; (2) non-payment of your applicable monthly recurring charge; or, (3) termination of Service pursuant to the terms of this Agreement.  If you purchased the Plan pursuant to the option to pay by a monthly recurring charge and you cancel the Plan within thirty (30) days of the purchase of your iPhone, you will receive a refund for the first month’s charges of the Plan, and no further charges will be assessed for that Service.  For cancellations made after thirty (30) days of your purchase of the Plan, no further monthly charges will be assessed for the Service after the date of cancellation, but no refund will be issued for any monthly charges paid for the Plan up to that point, and you will be assessed a cancellation fee of twenty-five dollars ($25).

UNLIMITED VOICE SERVICES - Unlimited voice services (if applicable) are provided solely for live dialog between two individuals.  Unlimited voice services may not be used for conference calling, call forwarding, monitoring services, data transmissions, transmission of broadcasts, transmission of recorded material, or other connections which do not consist of uninterrupted live dialog between two individuals. NWMC requires that 60% of voice services on unlimited rate plans must originate from the local service area, which includes Atchison, Gentry, Holt, Nodaway and Worth counties in Missouri. If we find that you are using an unlimited voice service offering for other than live dialog between two individuals, or usage is not meeting the local area requirement, we may, at our option, terminate your service or change your plan to one with no unlimited usage components.  We will provide you with notice that we intend to take any of the above actions.

DATA SERVICES - Data Plans or features are for your use only and you may not offer them for resale.  Use of Data Plans and features must be in accordance with NWMC’s Acceptable Use Policy, which is subject to change.  Data plans vary and may include unlimited plan options with data speeds reduced until the end of a billing cycle after specified data amounts have been reached.  We may monitor your compliance with these terms and conditions. NWMC reserves the right to take measures to protect our network and other users from harm, compromised capacity or degradation in performance. These measures may impact your Service.  NWMC reserves the right to deny, limit, modify or terminate Service, with or without notice, to anyone we believe is using Data Plans or features in a manner that adversely impacts the network or other users.

WIRELESS DEVICES - Except as provided in Part II, below, NWMC is not responsible for the installation, operation, quality of transmission or maintenance of your wireless device. If your equipment is stolen, you are responsible for all wireless service charges (including taxes, fee, and third-party charges) until the theft is reported to NWMC and evidence of the theft is provided to NWMC (i.e., stolen police report), directly, by calling the customer service number at 1-800-331-6341.

You understand that in the event of non-payment of charges, your Service may be suspended and the mobile wireless/cellular radio system may be programmed to refuse Service to the equipment on which the delinquent charges were incurred until payment in full is made. You agree to advise any prospective purchaser of the equipment of any such charges outstanding. We may change a wireless device’s software or programming over the air without notice and without your prior consent. This might affect data stored on your wireless device, or the way you’ve programmed it. Your wireless device may also contain software that prevents it from being used with any other company’s wireless service, even if you leave us. Your wireless device may not be compatible with another wireless carrier’s network and may not be capable of accessing all services or features offered by NWMC or another wireless carrier.

PRIVACY - NWMC may collect personal information about you. NWMC also may gather some information through our relationship with you, such as information about the quantity, technical configuration, type, destination and amount of your use of our telecommunications services. You can find out how we use, share, and protect the information we collect about you in the NWMC Privacy Policy, available at www.nwmcell.com.

THIRD PARTY SERVICES AND APPLICATIONS - Many services and applications offered through your device may be provided by third parties. Some of these services and applications may involve charges for which you will be billed. The amount and frequency of the charges will be disclosed to you by such third party. Before you use, link to or download a service or application provided by a third party, you should review the terms of such service or application and applicable privacy policy. Personal information you submit may be read, collected or used by the third-party service or application provider and/or other users of those forums. NWMC is not responsible for any third–party information, content, applications or services you access, download or use on your wireless device. You are responsible for maintaining virus and other Internet security protections when accessing these third–party products or services.

DISPUTE RESOLUTION AND ARBITRATION. You and NWMC each agree that, except as provided below, any and all claims or disputes in any way related to or concerning the Agreement, our policies (including our AUP and Privacy Policy), our Services, devices or products, including any billing disputes, will be resolved by binding arbitration or in small claims court. This includes any claims against other parties relating to Services or devices provided or billed to you (such as our suppliers, dealers, authorized retailers, or third party vendors) whenever you also assert claims against us in the same proceeding. You and NWMC each also agree that the Agreement affects interstate commerce so that the Federal Arbitration Act and federal arbitration law, not state law, apply and govern the enforceability of this dispute resolution provision (despite the general governing law provision set forth below). THERE IS NO JUDGE OR JURY IN ARBITRATION, AND COURT REVIEW OF AN ARBITRATION AWARD IS LIMITED. THE ARBITRATOR MUST FOLLOW THIS AGREEMENT AND CAN AWARD THE SAME DAMAGES AND RELIEF AS A COURT (INCLUDING ATTORNEYS’ FEES).

For all disputes, you must first give NWMC an opportunity to resolve your claim by sending a written description of your claim to Northwest Missouri Cellular, 1218 South Main St., Maryville, MO  64468. You and NWMC each agree to negotiate your claim in good faith, and you agree that you may not commence any arbitration unless you and NWMC are unable to resolve the claim within 60 days after NWMC receives your claim description. You and NWMC each agree that if you fail to timely pay amounts due, subject to the time period within which you must notify NWMC of any disputed charges, we may assign your account for collection, and the collection agency may pursue, in small claims court, claims limited strictly to the collection of the past due amounts and any interest or cost of collection permitted by law or this Agreement.

If the parties are unable to resolve the dispute within the timeframe specified above, either you or NWMC may start arbitration proceedings. The arbitration of all disputes will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules in effect at the time the arbitration is commenced. The AAA rules are available at www.adr.org or by calling 1-800-778-7879. The arbitration of all disputes will be conducted by a single arbitrator, who shall be selected using the following procedure: (a) the AAA will send the parties a list of five candidates; (b) if the parties cannot agree on an arbitrator from that list, each party shall return its list to the AAA within 10 days, striking up to two candidates, and ranking the remaining candidates in order of preference; (c) the AAA shall appoint as arbitrator the candidate with the highest aggregate ranking; and (d) if for any reason the appointment cannot be made according to this procedure, the AAA may exercise its discretion in appointing the arbitrator. Upon filing of the arbitration demand, we will pay or reimburse the filing fees. An arbitrator may award on an individual basis any relief that would be available in a court, including injunctive or declaratory relief and attorneys’ fees. The arbitration will take place in Nodaway County, Missouri.

CLASS ACTION WAIVER. You and NWMC each agree that any proceedings will be conducted only on an individual basis and not as a class, representative, or consolidated action. If an arbitrator determines in an action between you and NWMC that any part of this Class Action Waiver is unenforceable with respect to any claim, the arbitration agreement and Class Action Waiver will not apply to that claim, but they will still apply to any and all other claims that you or NWMC may assert in that or any other action.

NWMC LIMITATION AND CONDITIONS OF LIABILITY; INDEMNITY - Service may be temporarily interrupted, including dropped calls, delayed or otherwise limited due to: 1) transmission limitations caused by atmospheric and other conditions; 2) the availability of radio frequency channels; 3) system capacity limitations; 4) coordination with adjacent cellular companies; 5) equipment modifications, upgrades, relocations, failures, repairs and/or similar activities; and 6) negligence of NWMC. NWMC therefore assumes no duty to provide uninterrupted Service to you or your authorized user. NWMC makes no representations or warranties, express or implied, including, to the extent permitted by applicable law, any implied warranty of merchantability or fitness for a particular purpose, about your service, your wireless device, or any applications you access through your wireless device.  NWMC shall have no liability and no credits shall be given for any of the above referenced conditions arising out of interruptions, delays, or failures in transmission as well as: 1) your negligent or willful act; 2) the failure of equipment or service not provided through NWMC facilities; or 3) the failure of services not provided to NWMC; or 4) acts of God, fire, riots, Government authorities or other causes beyond the control of NWMC.

You agree that the liability of NWMC, if any, for delays and failure in transmission of Service (service problems) to you, whether caused by the negligence of NWMC or otherwise, is hereby limited to the allowance of a credit in the form of an adjustment for no more than the charges billed by NWMC to you for Service for the period during which the service problem occurred, except that no credit shall be given for recurring monthly charges, if any, for a service problem of less than 24 hours duration. No credits shall be given for dropped calls. NWMC has the right to require that credits be applied for upon written request and to deny any request for credit for an alleged service problem where the evidence of such problem is inconclusive, or the request is otherwise unwarranted or insufficient.

Except as provided above, you hereby agree that NWMC shall not be liable for, and shall be held harmless by you from and against, and you agree to indemnify NWMC for, any and all claims and damages, of every kind, including damages to your vehicle, personal injury and specifically special or consequential damages, arising out of the use of any service and/or equipment provided under this Agreement, as well as any damages arising out of or attributed, directly or indirectly, to service problems or use of the Service and/or equipment by you and any third party. You understand that, for an additional fee, handsfree equipment is available from numerous sources. This Service enables you to use your wireless device without holding the receiver, thereby allowing you to use both hands while operating your motor vehicle.

GOVERNING LAW - This Agreement shall be governed by the laws of the State of Missouri.

LONG DISTANCE INDEMNIFICATION - Calling plans which include long distance service are based upon the use of NWMC’s designated long distance carrier. Designation of an alternate long distance carrier by you may result in your incurring toll charges even under such calling plans. NWMC will not be responsible for any charges incurred by you with another distance carrier or any other charges.

ELECTRONIC AGREEMENTS - NWMC will retain all signed Agreements in electronic format only. You understand that if requesting a copy of your Agreement, it will be provided from electronic format.


The following additional provisions apply to sales of wireless equipment.

LIMITED WARRANTY- NWMC is the owner of the equipment free from all liens and encumbrances other than any purchase money security interest retained by NWMC’s supplier.


FCC MATTERS - You are solely responsible for compliance with Federal Communication Commission rules and with the rules and regulations of any other federal, state or local regulatory agency in connection with the use of the equipment. Neither NWMC nor any of its employees is an agent or representative of you in Federal Communication Commission matters or otherwise.

I understand that this Agreement and additional documents will be stored electronically by NWMC.

Revised 4/24/2023