Advisory Terms of Service

The terms that govern Elevia Academy's AI Strategy Advisory service.

These Terms govern the AI Strategy Advisory service provided by Elevia Academy and your use of this website at eleviaacademy.ai in connection with that service. By booking an Advisory Session, paying for one, or otherwise engaging the Advisory service, you agree to these Terms. If you do not agree, please do not book. These Terms are available at all times on the Site in a form you can save, print, and search, as required by §5 (3) of Hungarian Act CVIII of 2001 (Ekertv.).

The Advisory service is a business-to-business service: it is offered to organisations and to the people who lead them, acting in the course of their trade, business, or profession. The separate Terms of Service and the individual AI-literacy coaching they govern are a different product for individual consumers; these Advisory Terms apply only to the Advisory service.

Advisory Sessions are purchased through Gumroad, Inc., which acts as our Merchant of Record. That means there are two related but separate contracts at work — one between you and Gumroad for the payment, and one between you and Elevia for the advisory service itself. We explain how the two interlock in §4.

These Terms are not legal advice.

1. Who we are

The Advisory service is provided by:

Trading name: Elevia Academy
Operator: Imre Acsai, Hungarian sole proprietor (egyéni vállalkozó)
Registered address: 1214 Budapest, Völgy utca 19. 2 em. 8 a.
Sole-proprietor registry number (nyilvántartási szám): 62297657
Tax number (adószám): 92047280-1-43
Contact email: hello@eleviaacademy.ai

Hosting provider: Cloudflare, Inc., 101 Townsend Street, San Francisco, CA 94107, United States (cloudflare.com).

References to “Elevia”, “we”, “us”, or “our” mean the operator above. The meaning of “you” and “Client” is given in §2.

For data-protection matters the supervisory authority is the Hungarian National Authority for Data Protection and Freedom of Information (NAIH) — naih.hu, ugyfelszolgalat@naih.hu, +36 (1) 391-1400; full address: 1055 Budapest, Falk Miksa utca 9–11.

2. Definitions

Client — the organisation, business, or person who books and pays for Advisory Sessions in the course of their trade, business, or profession. References to “you” in these Terms mean the Client. Where an individual books on behalf of an organisation, that individual confirms they are authorised to bind the organisation, and “you” includes both.
Attendee — an individual who attends a Session on the Client’s side. Up to three Attendees may join a Session (see §5). The Client is responsible for its Attendees as set out in §5.
Discovery Call — the free 15-minute introductory video conversation offered before any paid engagement.
Session — a paid 90-minute advisory video conversation, attended by up to three Attendees from the Client’s side.
Performed — a Session is “performed”, “fully performed”, “delivered”, or has “taken place” once it has been held: that is, the scheduled start time has been reached with the Advisor present and the Google Meet link available, and the Session has either run its course or been ended after it began (including where Attendees join and then choose to leave early). A Session is also treated as fully performed where §5 deems it so — in particular under the No-show paragraph. The single exception is a Session cut short by the Advisor for reasons attributable to Elevia (and not on any of the grounds for ending a Session in §5) before at least 80% of its scheduled length has been delivered, which is not fully performed and is dealt with in §5. These four expressions have the same meaning throughout these Terms.
Advisor — the individual providing the Sessions (currently the operator named in §1). The Advisory service is delivered by the Advisor personally; there is no junior team.
Session Brief — the short written deliverable produced after a Session (see §7 and §9).
Gumroad — Gumroad, Inc., the third-party platform that acts as Merchant of Record for purchases of Sessions.
Site — the website at eleviaacademy.ai.

3. What the Advisory service is — and what it is not

Elevia provides AI Strategy Advisory: practitioner-led strategic advice that helps a decision-maker get clarity, information, and an independent read on AI so they can make their own informed decisions. The service is delivered as conversation, paced to the Client, and each strategy or orientation Session is capped by a Session Brief.

The service is advice and opinion only. What we provide is a read, an analysis, and recommendations. Every decision — whether to act, how to act, what to commit, whom to hire, what to build, and how and how consistently to implement anything discussed — is the Client’s alone, and so are its outcomes. We have no control over, and accept no responsibility for, what the Client decides or does with the advice, or the results it does or does not produce. This is expanded in §10 and §11.

The Advisory service is not:

a guarantee of any specific outcome, return on investment, cost saving, revenue, business result, or success of any AI initiative;
legal, tax, accounting, financial, investment, regulatory, or compliance advice;
security, privacy, data-protection, or technical auditing or certification of any AI tool, system, vendor, or supplier you use or consider using;
implementation, development, or delivery work (see “Implementation” below);
a substitute for your own due diligence, your own professional advisers, or your own independent judgment.

Advice-only; your independent assessment. You remain responsible for forming your own view, for verifying anything on which you intend to rely, and for taking professional advice (legal, tax, financial, technical, or otherwise) appropriate to your situation before acting. The Session Brief and anything said in a Session are inputs to your decision, not a direction to act and not a representation that any course of action will succeed.

Implementation. The Advisory service is advisory only. We do not, as a standing service, build, implement, deploy, or operate AI systems. If on a specific occasion we agree that we will carry out a small, well-defined piece of build or automation work, that work is governed by a separate written agreement with its own scope, price, intellectual-property, and liability terms; it is not part of these Terms, and nothing in these Terms obliges either party to enter into it.

Confidentiality and NDAs. What you share with us is treated as confidential under §8. If your organisation requires a separate non-disclosure agreement before we talk, we are willing to enter into a reasonable one; tell us at the Discovery Call stage.

The Discovery Call is exploratory only. It is free of charge, carries no obligation on either side, and does not form a contract for any further service. Either party may end the conversation at any time.

Business capacity. The Advisory service is offered to Clients acting in the course of a trade, business, or profession, and not as consumers. By booking, you confirm that you are acting in that capacity. The Advisor deals only with persons aged 18 or over.

If you are nonetheless a consumer. The service is not designed or marketed for consumers, and we ask consumers not to purchase it. If, exceptionally, a court or authority finds that you contracted as a consumer within the meaning of EU or Hungarian consumer law, then the mandatory consumer-protection rules that apply to you — including any statutory right of withdrawal under Government Decree 45/2014. (II. 26.) Korm. rendelet and the consumer dispute-resolution routes (Békéltető Testület) described in our Terms of Service — apply to your contract and prevail over anything in these Advisory Terms that conflicts with them. Nothing in these Terms removes or reduces rights that the law does not allow to be removed or reduced.

4. How a contract is formed

Booking a paid Session involves three steps:

Hold. You select an available time on our scheduling page at cal.eu (the EU-residency offering of Cal.com, Inc.; “Cal.com” and “cal.eu” refer to the same provider in these Terms). This creates a pending hold on that time slot. The hold is not a confirmed booking and does not form a contract.
Payment. You receive an email containing a payment link from Gumroad. You have 60 minutes from the time of booking to complete payment on Gumroad. Gumroad acts as Merchant of Record — Gumroad is the party that takes the payment, calculates and remits applicable taxes, issues the receipt, and processes any refund. Gumroad’s own Terms of Service and refund policy govern the payment transaction.
Confirmation. On successful payment within the 60-minute window, the time slot is confirmed and a service contract between you and Elevia is formed under these Terms. If payment is not received within 60 minutes, the hold lapses automatically, no contract is formed, and no Session is owed.

Confirmation of business capacity. When you complete a booking, you are asked to confirm — by ticking the relevant box on the scheduling page — that you accept these Advisory Terms and our Privacy Policy and that you are booking in the course of your trade, business, or profession and not as a consumer. Your confirmation at this step is incorporated into the service contract that forms on successful payment under step 3 above.

Hierarchy of terms. In the event of any inconsistency between Gumroad’s terms (which govern the payment transaction) and these Terms (which govern the advisory service), Gumroad’s terms govern the payment and these Terms govern the service. Other third-party services we use to operate the service — for example cal.eu for scheduling — are tools used by Elevia; using them in the booking flow does not create a separate contract between you and the relevant provider for the advisory service.

5. Sessions

Format. Each Session is a 90-minute advisory conversation, held over Google Meet. We send the meeting link before the Session. Sessions are working conversations, not workshops or presentations.

Who may attend. Up to three Attendees from the Client’s side may join a Session, at the same flat fee. A group larger than three is a different format and is not covered by these Terms; arrange it with us in advance. The Client is responsible for ensuring that:

each Attendee is authorised by the Client to take part and to hear what is discussed;
each Attendee complies with these Terms, in particular the confidentiality obligations in §8 and the recording prohibition below; and
each Attendee is aware that the Session is transcribed by the assistant described in §7, and has been provided by the Client with the information required under Articles 13–14 GDPR (for which purpose the Client may direct the Attendee to our Privacy Policy).

Acts and omissions of an Attendee are treated as the Client’s own. On our side, the Advisor attends each Session personally and is responsible for ensuring that no other person can incidentally hear or see the Session at our end.

Conduct during Sessions. The Advisor will be present, prepared, and honest, will keep what you share in confidence in line with §8, and will give you a straight, independent read. You agree that your Attendees will treat the Advisor respectfully, will not use Sessions to seek help with activities that are unlawful or that would breach the rights of others, and will not misrepresent who they are.

Grounds for ending a Session. The Advisor may end a Session immediately, without refund under these Terms, where: there is harassment of or threats to the Advisor or any third party; discriminatory abuse; recording in breach of the “Recording” paragraph below, or the presence of any person not permitted under “Who may attend”; or use of the Session to seek help with unlawful activity or activity that would breach the rights of others. Where a Session is ended on these grounds, the “No-show” paragraph below applies, and §12 governs whether the broader engagement is also terminated.

Rescheduling. A confirmed Session may be rescheduled up to two times using the link in your booking confirmation, and only while more than 24 hours remain before the scheduled start time. Inside the final 24 hours, the Session may not be rescheduled.

Cancellation by you. You may cancel a confirmed Session while more than 24 hours remain before the scheduled start; any refund in that case is processed by Gumroad in accordance with Gumroad’s refund policy. Inside the final 24 hours, cancellation is not available and the Session is treated as delivered under the “No-show” paragraph below.

Cancellation or rescheduling by the Advisor. The Advisory service is delivered by a single Advisor. From time to time it may be necessary to reschedule a confirmed Session — for example because of illness, an emergency, a technical failure, or a scheduling conflict. We will give you as much notice as is reasonably possible. Where we reschedule, we will offer an alternative slot within 30 days of the original time at no additional cost; if no slot within that window is acceptable to you, you may instead request a refund of the affected Session, which Gumroad will process. If we are obliged to reschedule the same Session three or more times, or to make three or more reschedule events affecting your bookings within any rolling six-month period, you may end the engagement and receive a refund of any paid Session not yet delivered, processed via Gumroad.

No-show. If no Attendee is present in the Google Meet within 15 minutes of the scheduled start time, the Advisor will end the meeting. Elevia has, by that point, done what it agreed to do — reserved the slot, attended at the scheduled time, made the link available, and waited the agreed 15 minutes. On that basis the Session is treated as fully performed by Elevia: no replacement Session is owed and no refund of the purchase price is owed under these Terms. (Whether Gumroad nonetheless grants a discretionary commercial refund is between you and Gumroad.)

Advisor unable to complete a Session. If a Session is cut short before at least 72 minutes (80% of the scheduled 90) have been delivered, for any reason attributable to us — for example a technical failure at our end, loss of the Advisor’s connection, or the Advisor becoming unwell mid-Session — the Session is not treated as fully performed. In that case you may choose, at your option, either a full refund of that Session (processed via Gumroad) or a free reschedule within 30 days. Where at least 72 minutes have been delivered, the Session is treated as fully performed and no refund is owed under these Terms. This paragraph does not apply where the Session is cut short by a failure of the Client’s own connection or equipment, or by an Attendee’s conduct, or where the Advisor ends the Session early on any of the grounds above (in which case the No-show paragraph applies). We do not pro-rate the fee: the outcome is a full refund (or reschedule) or nothing.

Recording. Attendees may not record any part of a Session — no screen recording, audio capture, video capture, screenshots of shared screens, or third-party transcription tools brought to the call by the Client. The single exception is the Advisor’s authorised transcription assistant described in §7, which produces the Session Brief that is part of the service.

6. Fees, payments, and refunds

Fees. The current per-Session fee is displayed on the Site and on the Gumroad product page. The price displayed on Gumroad at checkout is the price you pay, plus any taxes Gumroad is required to collect.

Payment processing and tax. Payment is processed by Gumroad, Inc. as Merchant of Record. Applicable VAT, sales tax, GST, or equivalent transaction taxes are calculated, collected, and remitted by Gumroad. Where you are a business in another jurisdiction, the tax treatment (including any reverse charge) is determined and handled by Gumroad at checkout; you are responsible for providing accurate business and tax-identification details (such as a VAT number) where Gumroad requests them. Elevia does not separately invoice you for the Session price.

Refunds. Gumroad’s refund policy is a commercial policy applying to discretionary refund requests; it is shown on the Gumroad product page and on Gumroad’s help pages, and such requests are submitted through Gumroad and decided in accordance with that policy. Under these Terms, refunds are all-or-nothing: a full refund is owed only where a Session has not been performed (a cancellation more than 24 hours ahead, or an Advisor-unable-to-complete event under §5), and no refund is owed once a Session has been fully performed — including where Attendees joined and then left early, or where the Session is treated as performed under the No-show paragraph of §5. We do not operate partial or pro-rated refunds. Where a refund is owed by Elevia under these Terms — in particular under the Advisor-unable-to-complete or reschedule-frequency paragraphs of §5, or the termination paragraphs of §12 — that obligation is Elevia’s: refunds are normally processed through Gumroad, but if Gumroad does not action a refund Elevia owes you, Elevia remains responsible and will make it directly where necessary. (The consumer-fallback paragraph in §3 applies if, exceptionally, you are found to have contracted as a consumer.)

7. The transcription assistant

Each paid Session — but not the free Discovery Call — is joined by an automated meeting-assistant operated by Fireflies.ai (Fireflies Labs, Inc.), under our Business plan subject to a Data Processing Addendum between us and Fireflies.ai. Fireflies.ai records the call, produces a written transcript, and supports the generation of the Session Brief that is part of the service. Because Sessions concern your business and may involve confidential business information, the Client is responsible for ensuring its Attendees are aware that the Session is transcribed (see §5).

We rely on legitimate interest as the lawful basis for this processing under Article 6(1)(f) GDPR — the production of the Session Brief and continuity across your Sessions, both of which form part of what you are paying for. By default, Fireflies.ai does not use meeting content to train AI models, and its sub-processors are contractually prohibited from doing so. Transcripts are retained for up to 12 months after the Session, or until your engagement with Elevia ends under §12, whichever comes first; you may request earlier deletion at any time. Full details — categories of data, sub-processors, international transfers, retention, and how to exercise your data-protection rights, including the right to object under Article 21 GDPR — are set out in our Privacy Policy.

8. Confidentiality

Advisory works only if both sides can speak freely, so confidentiality runs both ways.

Our duty to you. We will keep confidential the strategy, plans, numbers, internal context, and any other non-public information you or your Attendees share with us, including everything captured in a Session transcript or reflected in a Session Brief, and we treat it as your business secret within the meaning of Hungarian Act LIV of 2018 on the protection of trade secrets. We will not disclose it except:

to our service providers acting on our behalf and only to the extent necessary to provide the service — in practice the Session transcript and the Session Brief are shared only with Fireflies.ai for transcription; Gumroad and our scheduling provider handle booking and payment only and do not receive Session content;
in anonymised and aggregated form, where you cannot be identified;
with your prior consent (for example, for a named testimonial or case study);
where we are compelled to do so by law, regulation, or binding order of a competent authority.

Your duty to us. You and your Attendees agree to keep confidential the Advisor’s non-public methods, frameworks, analyses, and any materials shared during a Session, and not to disclose them outside your organisation, except as permitted under §9. This does not restrict your use of the Session Brief within your organisation as set out in §9, nor your freedom to act on the substance of the advice in running your business.

Separate NDA. If your organisation requires a separate non-disclosure agreement, we are willing to enter into a reasonable one. Where a signed NDA and these Terms both apply, the NDA governs confidentiality to the extent of any conflict.

The confidentiality obligations in this §8 survive the end of the engagement for five (5) years, aligned with the general civil-claims limitation period under Ptk. 6:22 — except for information that qualifies as a trade secret, which remains protected for as long as it retains that character under Act LIV of 2018.

9. Intellectual property and the Session Brief

Our materials. All frameworks, methods, analyses, decks, templates, and other materials used or provided by the Advisor, together with the content of this Site, are and remain owned by Elevia and protected by copyright and other intellectual-property laws. Nothing in these Terms transfers ownership of the Advisor’s pre-existing or generally-applicable know-how, methodology, or materials, or of anything the Advisor independently develops.

The Session Brief. We retain copyright in the Session Brief as a written work. We grant you a perpetual, irrevocable, worldwide, royalty-free licence to use, copy, store, adapt, and share the Session Brief within your organisation — including with your board, leadership, advisers, and team — for your own business purposes. This licence is what makes the Brief yours to keep and to act on. It does not extend to publishing or commercially distributing the Brief outside your organisation, or to using it other than for your own business purposes.

Your own information. We claim no ownership over your confidential business information that appears in the Session Brief or is shared in a Session; that remains yours.

Anonymised learnings. We may use anonymised, non-identifying insights and learnings from engagements to improve the Advisory service, consistent with the confidentiality obligations in §8.

Restrictions. You may not redistribute, resell, sublicense, or publish the Advisor’s frameworks, full decks, or other proprietary materials; and you may not use the materials we provide, the content of Sessions, or the content of this Site to train, fine-tune, or evaluate any artificial-intelligence or machine-learning model. This Site is provided for your information and your own business use; automated scraping, bulk download, and use of Site content as AI training data are not permitted.

Advisory is, by its nature, conversation about specific AI tools, vendors, approaches, and where they might fit your business. To be clear about what that does and does not mean:

The decisions are yours alone. Any tool, vendor, approach, or opportunity we discuss is referenced for your consideration. The decision to adopt, pay for, build, hire for, or rely on anything is yours, made on your own assessment. We are not paid by any AI tool vendor to recommend their product, and our read is independent.
We do not verify third parties. We do not independently audit or verify the security, privacy, accuracy, lawfulness, performance, or compliance posture of any AI tool, vendor, or system you use or consider. You remain responsible for that due diligence and for whether a choice fits your context, data, industry, and obligations.
The landscape changes quickly. Tool names, features, prices, capabilities, and the state of the art referenced in a Session may become inaccurate over time, and we do not undertake to update past Session content or Briefs.
AI output can be wrong. AI tools can produce confident but incorrect output. You remain responsible for everything done under your name and within your business, regardless of which tool or advice helped produce it.
No guarantee of results. We do not guarantee that any strategy, opportunity, or recommendation will succeed, pay off, or produce any particular financial or operational result. Outcomes depend on your decisions, your execution, your people, and factors outside anyone’s control.

11. Liability

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under Hungarian or EU law — including liability for damage caused intentionally, liability for death or personal injury, liability for fraud or fraudulent misrepresentation, and any mandatory liability under the GDPR. Where, exceptionally, you contracted as a consumer (see §3), your mandatory consumer rights are unaffected and prevail.

Subject to the paragraph above, and to the extent permitted by law:

No liability for outcomes. We are not liable for the decisions you make, for whether or how you implement anything discussed, for the results (or absence of results) of any AI initiative, or for any loss arising from your reliance on the advice, on the Session Brief, or on AI-tool output. The advice is an input to your own judgment, not a warranty of any result.
No indirect or consequential loss. We are not liable for indirect, consequential, or special losses, or for loss of profits, revenue, savings, goodwill, business opportunity, data, or anticipated benefit, whether or not foreseeable. Recoverable damages are in any event limited to loss that was foreseeable at the time of contracting, consistent with Ptk. 6:143.
Cap. Our total aggregate liability to you arising out of or in connection with these Terms and the Advisory service — whether in contract, tort (including negligence), or on any other basis — is limited to the total Session fees you have paid for Sessions in the 12 months preceding the event giving rise to the claim, excluding any taxes Gumroad collected and remitted.
Third parties. We are not responsible for the acts, omissions, availability, security, or pricing of Gumroad, Cal.com, Fireflies.ai, Google (Meet), Cloudflare, or any other third-party provider used to operate the service. Claims relating to the payment transaction are matters between you and Gumroad as Merchant of Record. Nothing in this bullet affects our responsibilities as a data controller under the GDPR, including under Article 28 with respect to our processors.

12. General

Force majeure. Neither party is liable for failure or delay in performing its obligations to the extent caused by events outside its reasonable control, including illness of the Advisor, telecommunications or internet failures, or service outages of Gumroad, Google Meet, or Fireflies.ai. Where a Session cannot be held for force-majeure reasons, we will offer a reschedule at no additional cost, and the rescheduling limits in §5 do not apply in that case.

Termination by us — for cause. We may end the engagement immediately, on written notice, in any of the circumstances listed in the “Grounds for ending a Session” paragraph of §5, or where continuing would require us to act in a way we consider unethical. For other material breaches, we will give written notice and a reasonable opportunity to remedy before terminating. Where termination is for cause, any Sessions you have already paid for but not yet taken are forfeited and no refund is owed under these Terms.

Termination by us — without cause. We may also end the engagement without cause — for example because the Advisor stops offering the service. In that case we will not accept further bookings, and any Sessions you have already paid for but not yet taken will be refunded via Gumroad.

Termination by you. You may end your engagement at any time by ceasing to book new Sessions. Already-confirmed Sessions remain subject to §5.

Advisor death or long-term incapacity. In the event of the Advisor’s death or long-term incapacity, the engagement ends and any Sessions you have already paid for but not yet taken will be refunded via Gumroad.

Inactivity. Your engagement is treated as ended after 12 months without any Session, booking, or substantive correspondence. From that point, retention of your personal data follows the schedule in our Privacy Policy. The end of an engagement does not bar you from booking again later under the Terms then in force.

Complaints. If you are unhappy with any aspect of the service, please email hello@eleviaacademy.ai first; we will respond in writing. (If, exceptionally, you contracted as a consumer, the consumer complaint and dispute-resolution routes — including the competent Békéltető Testület — described in our Terms of Service are available to you.) For data-protection complaints, you may lodge a complaint with NAIH or with the supervisory authority in your country of residence.

Governing law and forum. These Terms are governed by Hungarian law — in particular, in matters not otherwise addressed, by the Polgári Törvénykönyv (Act V of 2013, “Ptk.”). Disputes are subject to the jurisdiction of the Hungarian courts competent for our registered seat. Where, exceptionally, you contracted as a consumer, this does not deprive you of the protection of mandatory rules or courts of your country of habitual residence.

Severability. If any provision is found unenforceable, the remaining provisions continue in force, and the unenforceable provision is replaced by a valid one that most closely approximates its intent.

Amendments. We may update these Terms from time to time. Material changes will be announced on the Site, take effect on the date stated in the updated version, and will not apply retroactively to Sessions already booked before that date.

Survival. Termination does not affect rights or obligations intended to survive — including §8 (Confidentiality), §9 (Intellectual property), §11 (Liability), and the Governing-law-and-forum paragraph of this §12.

Notices. Formal notices are given by email — to hello@eleviaacademy.ai from your side, and to the email address you provided at booking from ours. Notices are deemed received on the next working day after sending.

Assignment. We may transfer our rights and obligations to a successor — for example on a sale or restructuring of the business — provided your rights are not reduced. You may not transfer your rights or obligations without our prior written consent.

Third-party rights. These Terms are between you and Elevia. No person other than you and Elevia acquires any right to enforce them. Where the Session Brief is shared with your board, advisers, or team under §9, those persons acquire no independent right to enforce these Terms or to bring any claim against Elevia in connection with the Advisory service.

Entire agreement. These Terms, together with our Privacy Policy, any separate NDA agreed under §8, and (in respect of the payment transaction) Gumroad’s terms, constitute the entire agreement between you and Elevia in relation to the Advisory service. They supersede any prior statements about the service not explicitly reflected in these Terms.

Applicable laws. These Terms operate against the background of, among others: the Hungarian Civil Code — Act V of 2013 (Ptk.); the Hungarian E-Commerce Act — Act CVIII of 2001 (Ekertv.); the Government Decree on distance and off-premises contracts — 45/2014. (II. 26.) Korm. rendelet (45/2014. Korm. r.); the Hungarian Trade Secrets Act — Act LIV of 2018; the Hungarian Accounting Act — Act C of 2000 (Számv. tv.); the EU General Data Protection Regulation 2016/679 (eur-lex.europa.eu); the Hungarian Information Self-Determination Act — Act CXII of 2011 (Infotv.); and the Hungarian Copyright Act — Act LXXVI of 1999 (Szjt.).

Contact. Questions about these Terms can be sent to hello@eleviaacademy.ai.

Effective date: 2026-06-26 — Version 1.0