AGP Executive Report

Your go-to archive of top headlines, summarized for quick and easy reading.

Note: AI summary from news headlines; neutral sources weighted more to help reduce bias in the result. Feedback is welcome. Please let us know if you have any comments or suggestions about the AGP Executive Report.

Economic Recovery: The IMF says Malawi has made progress on reforms during talks on a possible new lending programme, but no deal has been finalised. Economist Paul Gadama urged coordinated fiscal, monetary, trade and regulatory reforms to tackle forex shortages and weak exports. AFCON Qualifiers: Malawi’s Flames lost 3-1 to Angola, leaving them third in Group B with three points. Coach Kalisto Pasuwa says the campaign is not over, with two games against Egypt next month. Public Safety: Police arrested seven people over the arson of five tourist buildings and theft at Kuti Forest Reserve in Salima. Presidential Travel: Peter Mutharika has made his fifth private trip to South Africa in a year, with officials again giving no details of its purpose.

AFCON Qualifiers: Malawi’s Flames suffered a 3-1 defeat away to Angola in Luanda, with Angola taking an early lead and adding goals through Mabululu and Miro, while Malawi’s only response came from an own goal—leaving coach Kalisto Pasuwa under fresh pressure as qualification hopes tighten. IMF Watch: An IMF mission concluded two weeks of talks in Lilongwe without a final deal, though it praised Malawi’s reform progress on fiscal discipline and market reforms; officials now await the Fund’s verdict on a possible Extended Credit Facility. Fuel Crisis: Fuel shortages are biting hard, with reports of sharp bus fare hikes and long queues, while Zambian police arrested 19 Malawians over alleged petrol smuggling destined for Lilongwe. Youth & Economy: UDF leader Atupele Muluzi warned young Malawians are losing patience over scarce jobs, forex problems, fuel and medicine shortages, and a widening gap between official and parallel exchange rates. Women’s Football: Airtel Malawi rewarded the Scorchers with 5G routers and a year of data after their historic WAFCON run, as they turn to the Olympic qualifier against Zimbabwe. Sports Setback: Malawi’s U-23 Junior Flames were eliminated from CAF U-23 AFCON qualifiers after a 1-1 draw with Eswatini, despite a late equaliser.

Fuel Crisis: Malawi’s fuel shortage is hitting hard. Commuters say bus fares have doubled on some routes, with Area 25–Old Town now about MWK6,000 (up from MWK4,000) and Mponela in Dowa around MWK11,000 (up from MWK6,000), as queues return and some drivers hunt for petrol on the black market. Humanitarian Response: MSF says thousands of migrants are leaving South Africa after anti-migrant pressure, and it has expanded emergency support in Zimbabwe, including at Nyamapanda. Food & Climate: UN warns rotting food waste can emit up to 10% of global greenhouse gases—about five times aviation—pushing methane from landfills. Justice & Accountability: Supreme Court of Appeal refused to reinstate Yeremiah Chihana as Blantyre Water Board chief, and he was sacked the same day. Governance: Malawi’s fishing sector faces tighter controls, with seasonal bans and gear restrictions across major lakes and lagoons. Health: Malawi’s medicine shortage is described as a crisis worsened by forex gaps and supplier debt, with government turning to local manufacturers. Sports: TESSAM Games Top 8 line-up is set, and Scorchers host Zimbabwe in the first leg of the Olympic qualifier.

Women’s Football: Malawi Scorchers play their first home game since WAFCON silver, hosting Zimbabwe’s Mighty Warriors in the Olympic qualifier at Bingu National Stadium on Friday, 9 October, with the Chawinga sisters leading the squad and tickets priced from K4,000 online/K5,000 at the gate. Sports & Business: Standard Bank signs a K250 million sponsorship deal giving naming rights to Blue Eagles FC as Standard Bank Blue Eagles FC, while Castel Malawi launches “Tikwere Under the Crown” with price cuts and prizes including a Nissan Navara and 24 motorbikes. Economy & Energy: DoDMA unveils a K488 billion El Niño Preparedness Plan but says it has only secured about a quarter of the needed funds, leaving a K324.8 billion gap. Finance Regulation: Pro Veritas becomes Malawi’s first licensed Pension Advisor after RBM issues the new category to plug an advisory gap in the pension market. Agribusiness & Jobs: SMEDCO opens applications for its Phalombe Manufacturing & Value Addition Academy (January 2027 intake), offering a 3-month training and support to access business loans for successful trainees. Governance & Rights: A Lilongwe resident submits a draft Constitutional Amendment Bill to Parliament seeking to end automatic Vice-President succession and make the post appointive and removable by the President.

Fuel and forex squeeze: A political commentator says Malawi’s fuel crisis is really a forex problem, not “international shocks,” as queues return and NOCMA points to a foreign-currency gap. Presidential scorecard debate: President Peter Mutharika says his first year delivered about 50% of targets under the “4Fs,” citing cheaper maize and steadier fuel, but opposition and rights groups argue citizens are paying for failures and unanswered questions. Power supply update: EGENCO reports repairs are underway on Nkula B Unit 6, aiming to restore 20MW by end of October after weeks of load shedding. Security and accountability: HRDC accuses government of shielding the powerful and weakening institutions, while Uganda hosts an African defence chiefs conference on “military operations other than war,” with Malawi among participants. Sports and community: The Malawi Scorchers’ Limited Edition jerseys are back for sale at Bingu Stadium ahead of the Oct 9 qualifier vs Zimbabwe; Mzimba Queens win the Northern netball league; and police launch a manhunt after a watchman was murdered in Machinga. Faith and society: A report says over 500 million Christians worldwide face Bible access restrictions, and Malawi’s Catholic Church marks 125 years of evangelisation.

Power Restoration: EGENCO says it has sent Nkula B Hydropower Station Unit 6’s critical shaft to South Africa for repairs and expects the 20MW unit back by end of October, after five weeks offline and worsening load shedding. Presidential Update: President Peter Mutharika marks one year in office, telling MBC he has achieved “50 percent” of his goals and pointing to road rebuilding and national unity as flagship wins, while also preparing to address Malawians on the anniversary amid fuel, power and water pressures. Housing Policy Shift: Malawi Housing Corporation says it is moving from eviction notices to community-first urban renewal, partnerships and transparency, citing compensation and house swaps in the Malangalanga Area 1 redevelopment. Health Crisis: Parliament’s health committee chair warns that stolen medicines are reaching markets, with hospitals reporting essential drug availability at about 75% nationally and some patients reportedly dying due to shortages. Fuel & Forex Pressure: An economic analysis links Malawi’s fuel queues mainly to foreign-exchange scarcity, showing how global shocks hit hardest when domestic vulnerabilities persist. Sports & Youth: Temwa Chawinga helps KC Current to a 5-1 win in the NWSL, while Malawi’s Region 5 Youth Games torch is handed over in Lilongwe ahead of the December event in Maputo.

Fuel Shortages Explained: An economist says Malawi’s recurring fuel queues are driven by a foreign-exchange squeeze that turns an international energy shock into harsher local pain—import dependence, pricing policy, supplier credit, transport routes and stocks all matter. Health Crisis Deepens: Parliament’s Health committee chair Anthony Masamba links medicine shortages to theft and diversion, with some drugs allegedly ending up in Tanzania’s Kariakoo market; hospitals are getting only about 75% of needed supplies. Drugs Theft Warning: The Ministry of Health says “leakages” are eroding gains, while CMST points to an over $18m supplier debt that has slowed deliveries. Electricity Update: EGENCO has started restoring Nkula B Unit 6 (20MW) after a five-week outage, targeting return to service by end of October. Travel Disruption: Bad weather has grounded flights and caused delays at Kamuzu and Chileka airports. Governance Pressure: Human rights defenders coalition HRDC demands a direct presidential explanation over the treatment of VP Jane Ansah and calls for stronger independence of anti-corruption and prosecution bodies. Accountability Spotlight: Former MDF commander Paul Valentino Phiri faces ACB charges over alleged arms-trafficking and procurement abuse. Tourism Loss: Kuti Wildlife Reserve in Salima was torched by villagers two days after World Tourism Day. Education Diplomacy: Education Minister Sarah Al Amiri attended a Geneva event on girls’ right to education. Sports: NBM Women’s Premiership title race heats up as Silver Ladies move to the summit; Civil Women’s Vitumbiko Mkandawire leads the Golden Boot.

Region 5 Games Build-Up: The African Union Sports Council Region 5 Games torch has arrived at Bingu National Stadium in Lilongwe, kicking off Malawi’s relay ahead of the December 4–13 event in Maputo, with Youth, Sports and Culture Minister Alfred Gangata calling it a symbol of African unity through sport. Health & Medicines: Government has directed CMST to prioritise locally manufactured medicines to ease drug shortages in public facilities as forex constraints bite, while the health ministry says local firms already produce over 40 products. Early Childhood Development: Malawi’s ECD Week launch in Zomba highlighted shortages of basic learning materials, with calls for partnerships and a push to increase funding for caregivers. Governance & Accountability: CfSC urges government to attach measurable performance conditions to State-owned enterprise bailouts, warning that billions in support must translate into better service delivery. Fuel/Forex Pressure: NOCMA is seeking alternative payment terms and currencies for fuel imports as the forex crunch continues to threaten supply. Sports Administration: The Malawi National Council of Sports has moved to clamp down on non-compliant sports associations after training and compliance checks. ACB Case: Former MDF commander Paul Valentino Phiri was granted bail on a K10 million cash bond in an ACB case over alleged illegal arms trafficking and terrorist property. Public Infrastructure: Blantyre Water Board says vandalism repair work has restored a burst 600mm pipeline after three days of dry taps.

El Niño Warning: The UN says Mozambique is among Africa’s most vulnerable countries as a “super El Niño” threatens heatwaves, drought and floods, with Malawi also named among the top risks. Forex Transparency Push: UTM leader Dalitso Kabambe demands an independent audit of Malawi’s foreign-exchange allocations, arguing shortages are hurting hospitals, businesses and ordinary people while benefits may be captured by a few. Fuel and Forex Pressure: NOCMA is seeking new ways to secure fuel amid forex constraints, including alternative payment terms and currencies, as Malawi continues to face petrol and diesel shortages. Health Supplies: Government has directed CMST to prioritise locally manufactured medicines to ease drug shortages caused by limited foreign currency. Governance and Accountability: CfSC urges performance-based conditions on State-owned Enterprises bailouts, warning that weak SoEs create fiscal risks and drain money that could go to social services. Sports Oversight: Malawi’s sports council moves to crack down on non-compliant associations, while Kamuzu Stadium in Blantyre will stay closed for elite football this season. Court Update: Ex-MDF commander Paul Valentino Phiri granted bail in an ACB case over alleged misuse of office linked to military equipment and alleged terrorist property. Visa Bond Watch: The US visa bond programme now covers 50 countries; India is not on the list.

Fuel Crisis & Accountability: Pressure is mounting on Energy Minister Jean Mathanga after economists warned Malawi’s fragile recovery could unravel as fuel shortages keep businesses and transport stuck in queues. Anti-Corruption: Former Malawi Defence Force commander General Paul Valentino Phiri has been granted bail by a Lilongwe court on charges tied to alleged illegal arms trafficking and “terrorist property,” with the case set to continue in November. Judiciary Trust: Malawi’s Chief Justice opened the 2026/27 judicial calendar urging the public to keep faith in the courts despite delays blamed largely on funding constraints. Safe Abortion Reform: Parliament’s Health Committee says it will consider safe abortion law reforms after claims that unsafe abortions contribute to 18% of maternal deaths. Digital Life & Consumer Protection: MACRA is investigating rapid depletion of mobile data bundles, while TNM tells customers how to reduce data use and says its systems are monitored and audited. Weather Alert: Mwera winds and thunderstorms are expected to persist, with communities in flood-prone areas urged to stay alert. Power Infrastructure Security: ESCOM reports two people jailed for 10 years each for vandalising power infrastructure, including possession of aluminium conductor wire. Urban Governance: Malawi local councils have gathered in Salima for a national symposium to tackle shared urban development challenges.

Power & Justice: ESCOM says two men, Bize Tsabola and Yamikani Mlolo, were each jailed for 10 years with hard labour for vandalising power infrastructure after police found 100 metres of aluminium conductor wire. Accountability in the Chikangawa crash: A former CID officer told a parliamentary committee that the crash scene was tampered with, including bodies being moved before investigators arrived, raising fresh questions around the handling of the Chilima plane crash probe. Tax reform in court: Malawi’s High Court refused to halt the Malawi Revenue Authority’s Electronic Invoicing System rollout, rejecting an application seeking suspension of the 2026 VAT e-invoicing regulations. Digital life & consumer protection: TNM responded to complaints about rapid data bundle depletion with tips on reducing usage, while MACRA continues its investigations into mobile data consumption concerns. Education & rights: Sarah Al Amiri joined a Geneva event marking 12 years of the UN Human Rights Council resolution on girls’ right to education, calling for safe, inclusive quality schooling for at least 12 years. Health & research: Vice President Jane Ansah urged more health research and innovation in Africa, stressing better working conditions and support for health workers. Urban development: Mayors and council officials met in Salima for a first-ever urban governance symposium to tackle shared challenges facing Malawi’s cities and municipalities. Transport costs: Government says Malawi is moving ahead with plans for a new north-bound railway linking to the Tanzania–Zambia network to cut transport costs. Agrifood investment: Malawi will host a National Agrifood Systems Investment Symposium at BICC to accelerate Malawi 2063 through private sector agrifood investment. Sports & community: Mighty Wanderers donated K10 million to support SWAM’s annual general meeting, while Water Mission Malawi commissioned a solar-powered safe water facility for Mkoko communities. Crime & sentencing: A 46-year-old man, Ephraim Jere, was sentenced to 11 years for stealing a K300 million tipper truck by allegedly disabling its GPS tracker.

Anti-Corruption Crackdown: Malawi’s Anti-Corruption Bureau has arrested former Malawi Defence Force commander Gen Paul Valentino Phiri on five counts, including abuse of office and alleged dealing in “terrorist property,” tied to alleged illegal arms trafficking in June and July 2025; his court appearance was also abruptly postponed, leaving him in police custody overnight. Opposition Under Fire: Leader of Opposition Simplex Chithyola Banda faces criticism over alleged silence as Malawians grapple with fuel shortages, forex stress, medicine shortages, rising prices and insecurity, with calls for stronger scrutiny of public spending. Health Research Push: Vice President Jane Ansah urged African health professionals to stop looking abroad and invest in local research, innovation and better working conditions for clinicians, including mental health support. Food Security Warning: Mangochi officials warn El Niño could worsen nutrition and food insecurity, citing high stunting and past drought impacts, and urge early, coordinated action. Minerals Value Addition: Government is consulting on draft value addition regulations to boost returns from mineral exports before sale. CDF Funding Worries: 15 civil society groups say Constituency Development Fund disbursements are too slow, risking lost development, and want a clear, time-bound roadmap.

ACB Crackdown: The Anti-Corruption Bureau has arrested former Malawi Defence Force commander General Paul Valentino Phiri on five counts, including abuse of office and alleged dealing in terrorist property, linked to alleged illegal arms trafficking in June and July 2025; he is being cautioned and is expected to appear in court as investigations continue. Human Rights Watch: President Arthur Peter Mutharika has appointed nine commissioners to the Malawi Human Rights Commission for a three-year term starting September 20, 2026, including reappointment of Teresa Chirwa-Ndanga, with the Law Commissioner and Ombudsman also serving. Telecom Consumer Pressure: TNM has responded to complaints that mobile data bundles are disappearing faster than expected, pointing customers to phone settings and usage like high-quality video streaming, app updates, background activity and hotspot sharing, as MACRA investigates billing and deductions. Health & Women’s Rights: Advocates are calling for pregnant women and communities to help design medicines for conditions like pre-eclampsia and maternal anaemia, arguing current decisions are too clinician-led. Economy & Services: Malawi’s fuel shortage is back, with reports of diesel scarcity hitting development projects and contractors warning of delays. Land & Displacement: Government says 600 hectares have been identified for the Kasasile displaced community in Nkhata Bay, with plot allocation and relocation logistics scheduled for October and November 2026. Global Spotlight: Malawi’s Kamuzu University of Health Sciences is pushing health research as an engine for economic development, urging researchers to translate findings into policy and innovation.

MACRA Court Ruling: Malawi’s Industrial Relations Court says MACRA unlawfully dismissed former director general Daud Suleman, ruling he was denied a fair disciplinary hearing and could face compensation and damages. Politics & Courts: The High Court has stayed an election petition against Sports Minister Alfred Gangata’s Lilongwe City Mtandire-Mtsiriza win, pending a Supreme Court of Appeal decision—keeping Gangata as MP for now. Land & Displacement: Government has identified a 600-hectare estate in Mpherembe, Mzimba, to relocate over 300 Kasasile displaced families, with plot allocations and transport scheduled for October. Security Boost: Creck Hardware has handed over a new MK380 million police unit for Msundwe and Kalolo, replacing facilities destroyed in the 2019 unrest. Economy & Payments: The Reserve Bank and Bankers Association say Malawi will phase out cheques, with processing ending March 11, 2027. Food Security Watch: A new monitor warns food insecurity could worsen in southern Malawi and parts of the Central Region between October 2026 and January 2027 as prices stay high. Education & Rankings: Kamuzu University of Health Sciences enters global university rankings for the first time, while UCT returns to the world top 150. Sports: NBM Women’s Premiership action sees Silver Strikers Ladies move to the top after beating MDF Lionesses 3-0.

Higher Education Spotlight: The University of Cape Town (UCT) climbed to joint 147th globally in the 2027 Times Higher Education World University Rankings, up from joint 164th, and is now the top-ranked university in sub-Saharan Africa—an indicator of shifting global higher-education power. Public Safety: In Ntchisi, a suspected cattle thief was beaten and burnt to death by an angry mob after allegedly stealing 13 cattle; police say the matter is under investigation. Telecoms & Consumer Protection: MACRA has launched an investigation into TNM and Airtel Malawi over complaints that mobile data bundles are depleting too fast, including audits of billing and bundle deductions. Health & Maternal Care: A campaign is pushing prevention, detection and treatment of pre-eclampsia and maternal anaemia, with community leaders warning pregnancy is increasingly a life-or-death risk. Governance & Service Delivery: Local councils are warned they risk missing the October Constituency Development Fund procurement deadline. Sports: Malawi’s Under-23 lost 1-0 to Eswatini at home and must win away by at least two goals to progress.

Malawi Football: Temwa Chawinga has been called up for the Malawi Women’s National Team for the October FIFA window, with two Olympic Games qualifier matches against Zimbabwe—Friday, Oct 9 in Malawi and Tuesday, Oct 13 in Zimbabwe. AFCON 2027 Qualifiers: Egypt thrashed South Sudan 5-0 in Juba, while Malawi sit second in Group B ahead of the next round where Malawi host Angola. Tobacco Crisis: Malawi tobacco farmers say the new Know Your Grower registration system has collapsed, leaving growers sleeping outside centres as networks and fingerprint scanners fail. Elections Integrity: Malawi Electoral Commission warns of a fake fresh elections calendar circulating online for Nsanje South and Mangochi East, saying it has not issued any revised polling date. Digital Payments Push: Reserve Bank of Malawi confirms cheques will be scrapped for good on 11 March 2027, with banks stopping cheque processing after the transition deadline. Mining Reform: Government says the Mines and Minerals Act review is on track to deliver a clearer, more beneficial legal framework without scrapping the 2023 law. Business & Tech: MACRA launches an urgent probe into complaints that TNM and Airtel data bundles are vanishing faster than expected. Sports (Women’s League): MDF Lionesses’ Asimenye Simwaka leads the NBM Women’s Premiership Golden Boot race with 3 goals after recent braces.

Cheque Exit & Digital Push: Malawi will phase out cheques after the Bills of Exchange (Amendment) Act, 2026, with banks stopping new cheque books and clearing ending by March 11, 2027, as RBM and BAM urge customers to shift to mobile money, cards, internet banking and EFTs. Access to Information Drive: ICT Minister Shadric Namalomba told government institutions to go beyond appointing ATI officers—strengthen record systems, update information manuals, proactively disclose data and respond faster to requests. Mobile Data Bundle Probe: MACRA has launched an investigation into complaints that TNM and Airtel Malawi bundles are depleting too quickly, checking charging, billing and deduction accuracy, and asking users to report cases via dg@macra.mw or 261. Electric Mobility Grows: National Bank of Malawi added an EV and four e-bikes to cut emissions, with plans to reduce generator use and expand solar-powered operations. Chikangawa Crash Phone Questions: Parliament heard disturbing claims about victims’ phones—late, badly damaged returns and at least one missing device—raising fresh questions on who handled and damaged them. UN Reform Call: Malawi urged the UN to move from speeches to delivery on debt relief, climate action and governance reforms during UNGA81. Education Safety & Access: A learner died and another was injured after a water tank fell at Mwenda Primary School in Lilongwe, while the education ministry launched bicycle support to help girls travel safely and avoid dropout, teen pregnancy and child marriage.

UN Reform Push: Malawi’s foreign minister George Chaponda told the UN General Assembly to stop “speeches” and deliver on debt relief, climate finance, health and Security Council reform, including permanent African representation with veto rights. Payment Shake-Up: Malawi moves to phase out cheques after the 2026 Bills of Exchange amendment—banks will stop issuing new cheque books, and cheques will only be processed up to March 11, 2027, pushing customers toward mobile money, cards and electronic transfers. Chikangawa Crash Scrutiny: Police IG Richard Luhanga admitted search teams “really did get lost” in dense Chikangawa forest during the Chilima crash probe, citing poor preparedness, cold conditions and misinformation. Banking Anger: National Bank of Malawi customers complain of ATM debits without cash and delayed reversals. Tech for Transport Security: A Malawian entrepreneur is developing Pita-Go, a ride-hailing and delivery platform for motorcycle operators with real-time trip tracking and cashless payments. Sports—AFCON U-23: Malawi U-23 host Eswatini at Bingu Stadium in a crucial qualifier.

AFCON 2027 Qualifier: Egypt’s Mohamed Salah will miss the AFCON qualifier against South Sudan in Juba due to concerns over the artificial pitch, with the Egyptian FA saying the decision was agreed after the Angola match. Chilima Plane Crash Probe: Malawi’s Parliament ad-hoc committee is set to hear from senior police officers, including Inspector General of Police Richard Luhanga, as questions mount over why the search was stopped during the night of 10 June 2024. Health Funding: The National AIDS Commission has called an emergency meeting over Malawi’s Global Fund Cycle 8 application, warning delays could jeopardise HIV, TB and malaria services as the 4 October 2026 deadline nears. Economy & Business Costs: The World Bank says Malawi’s new tax measures are raising the cost of doing business and squeezing liquidity, especially amid forex shortages and unreliable electricity. Cyber & Consumer Issues: Malawi police and Macra are tightening focus on online defamation and cyber misuse, while Malawians complain Airtel and TNM internet bundles are being depleted faster than expected. Energy & Governance: Egenco says aged power equipment is frustrating generation, and civil society warns delayed Constituency Development Fund disbursement could derail projects before the rainy season. Agribusiness & Jobs: NBM Development Bank-funded Rudevit has started full-scale production of granulated organic fertiliser in Blantyre. Sports: Malawi’s Flames open AFCON qualifying with a win over South Sudan, while netball news continues to dominate with Malawi Queens securing bronze at the Africa Netball Cup.

AfCON Qualifiers: Malawi’s Flames lead Group B after beating South Sudan 2-1, while Egypt were held 0-0 by Angola; next up for Malawi is Angola away (Oct 6) and then Egypt in back-to-back clashes. Netball: Malawi Queens fought back to win bronze at the Africa Netball Cup, beating Namibia 50-45 after losing to Uganda and South Africa in the knockout stage; Uganda won the title by beating South Africa 56-53. Politics (MCP): Prince Kapondamgaga says he could contest for MCP presidency, pitching himself as a unity candidate amid internal divisions. Governance & Economy: UTM leader Dalitso Kabambe urges President Arthur Peter Mutharika to order independent probes into corruption, money laundering, human trafficking and procurement irregularities. Energy & Daily Life: Lilongwe motorists report diesel shortages with long queues while petrol remains available. Business & Development: Hope Water unveils a K271 million expansion to boost clean water access for over 10,000 people. Sports (Women’s league): Nyasa Big Bullets Women move to the top of the NBM Women’s Premiership log after beating Civil Service Women 1-2. Security: South Africa police launch a manhunt after a tavern mass shooting in Gauteng killed 17 and wounded 15.

Sign up for:

Malawi Reporter

The daily local news briefing you can trust. Every day. Subscribe now.

By signing up, you agree to our Terms & Conditions.

Share this page:

Advanced Search Options

Search for:

Search scope:

Type:

Search in:

Date range:

The last

Sort by:

Sign up for:

Malawi Reporter

The daily local news briefing you can trust. Every day. Subscribe now.

By signing up, you agree to our Terms & Conditions.