Terms and Conditions of Lumynos Labs GmbH
PART 1: Terms and Conditions for Events & Rentals (Project Business)
GENERAL TERMS AND CONDITIONS
Lumynos Labs GmbH
Kolonnenstraße 8
10827 Berlin
General
All contracts concluded between Lumynos Labs GmbH (hereinafter referred to as the "Contractor") and the contractual partner (hereinafter referred to as the "Client") are subject exclusively to the following General Terms and Conditions (hereinafter referred to as GTC). References to other terms and conditions of business or purchase are hereby expressly rejected. These GTC also apply to all future transactions between the Contractor and the Client without the need to refer to their validity again. Any agreements deviating from these terms and conditions must be made in writing to be effective.
conclusion of contract
The contractor shall provide the client with a physical live marketing or virtual marketing tool, including all services and specifications mentioned in the offer (hereinafter, all items listed in the offer are collectively referred to as the "marketing tool"). A contract shall be concluded upon written confirmation by the client in compliance with the respective underlying offer validity. The period of use of the marketing tool is defined in the offer.
Remuneration, deadlines
All prices mentioned here and listed in the offer are exclusive of the applicable sales tax. Costs that are not listed in the offer but are absolutely necessary for the successful delivery or use of the marketing tool (e.g., customs duties, fees, taxes) must be ascertained and paid by the client accordingly. The client must pay the contractor the price defined in the offer. The price is due 14 days after signing the offer. This provision shall not apply if other terms of payment are specified in the offer. Upon expiry of the 14-day payment period, the client shall be in default without a reminder. All discounts based on advance payment shall be forfeited without replacement and the original invoice amount shall become due. In the event of such default, the client shall incur the following costs:
Interest shall be charged on the price at the current interest rate (currently 9 percentage points above the statutory base rate) for the period of default.
As defined in Section 288 (5) of the German Civil Code (BGB), a flat-rate late payment fee of €40.00 will be charged.
Additional costs for materials and postage for sending the reminder letter by mail will be charged to the client.
If a physically provided marketing tool (e.g., touch system or photo system) is not returned within the agreed period as defined under "Obligations to cooperate," the contractor reserves the right to charge the client €50.00 for each additional hour outside the deadline and a maximum of the agreed daily rental price per day of delay.
retention of title
The goods remain the property of the contractor throughout the entire rental period.
obligations to cooperate
The client is obliged to cooperate in order to fulfill all services listed in the offer. The contractor expressly points out that it accepts no liability for their fulfillment, but that this is absolutely necessary for the proper use of the marketing tool:
Timely delivery of all desired design and programming specifications in the specified file format, no later than seven business days before the previously defined start of the order.
Provision of a stable Internet connection at the installation site of the live marketing tool. A continuous performance of at least 50 Mbit/s for downloads and 25 Mbit/s for uploads must be guaranteed. This bandwidth must be available exclusively for the end device and may not be used as a shared line.
Provision of a power connection (220V) at the installation site.
List all essential factors that are decisive for the setup, dismantling, delivery, and use of the physical marketing tool at least seven business days before the start of the event.
Acceptance of the physical marketing tool at a location defined by mutual agreement between both parties. The client must be available there for the contractor or a third party commissioned by the contractor between 9:00 a.m. and 5:00 p.m. Any deviation from this time window must be requested by the client in writing with three business days' notice and will incur additional costs, which will be charged to the client.
Handover of the physical marketing tool at a location agreed upon by both parties. The client must be available there for the contractor or a third party commissioned by the contractor between 9:00 a.m. and 6:00 p.m. Any deviation from this time window must be requested by the client in writing with three business days' notice and will incur additional costs, which will be invoiced to the client.
Sufficient and even lighting of the action area, provided that a physical photo system has been booked.
The client undertakes to hand over the physical marketing tool to the contractor's shipping partner on the day of collection. Collection usually takes place between 9:00 a.m. and 5:00 p.m. The client will be charged EUR 49.00 for failed deliveries, i.e. deliveries where the client is not present to hand over the physical photo marketing tool.
Cancellation and termination
1. For purchase agreements and long-term rentals (over 2 weeks): Since the hardware systems are individually manufactured and configured for the client and blocked for the period, cancellation or ordinary termination of the contract after conclusion of the contract is excluded. Upon conclusion of the contract (signature of the offer or receipt of the order confirmation), the full remuneration is due in full, regardless of whether the client accepts or uses the product. This applies both to the purchase of goods and to rental agreements with an agreed term of more than 2 weeks.
2. For short-term rentals (up to 2 weeks rental period): The contractor grants the client a contractual right of cancellation only for rental agreements with a maximum term of 2 weeks (e.g., event assignments). Cancellation must be made in writing. In this case, the following cancellation fees will be charged:
Cancellation up to 30 days before the start of the rental period: 30% of the order value.
Cancellation from the 21st day before the start of the rental period: 50% of the order value.
Cancellation from the 14th day before the start of the rental period: 80% of the order value.
Cancellation from the 6th day before the start of the rental period: 100% of the order value.
The right to terminate for good cause (extraordinary termination) remains unaffected for both parties.
Treatment of the rented property
The client is obliged to treat the product with care, protect it from dirt and external influences, and return it completely clean. The product/marketing tool may only be used outdoors in covered areas. It must be set up on a level, solid surface. The environmental conditions must also be taken into account. The client is prohibited from:
To further license or sell the products/marketing tools.
Expose the products/marketing tools to rain, moisture, excessive cold/heat, relative humidity above 75%, or direct sunlight. For optimal system stability, an ambient temperature of 15–30 degrees Celsius is recommended.
Liability of the contractor
The contractor shall be liable—regardless of the legal basis—in cases of intent and gross negligence. In cases of simple negligence, the contractor shall only be liable:
for damages resulting from injury to life, limb, or health.
for damages resulting from the breach of a material contractual obligation (an obligation whose fulfillment is essential for the proper execution of the contract and on whose fulfillment the contractual partner regularly relies and may rely); in this case, however, the contractor's liability shall be limited to compensation for the foreseeable, typically occurring damage. The limitations of liability resulting from this paragraph shall not apply if the contractor has fraudulently concealed a defect or has assumed a guarantee for the quality of the goods. The same applies to claims of the client under the Product Liability Act.
Furthermore, the contractor accepts no liability for:
a possible failure of the mobile Internet connection and any resulting financial losses incurred by the client.
any possible failure of the photo marketing tool technology and any resulting financial losses incurred by the client.
The image quality of the photos in the marketing tool. This depends on the lighting conditions and the background (e.g., green screen) and may therefore vary.
Support, repairs, theft
The client is liable for its event participants, visitors, and users of the marketing tool in the event of damage. If a product is damaged (e.g., dented or severely scratched), the client shall bear all costs for the repair of all damage incurred, carried out by the contractor or an external service provider. The costs for repairs are based on the price list attached in Appendix 1 (if available). The client is obliged to check the product for damage immediately upon arrival at the defined location. In the event of damage, the client must immediately submit a damage report in writing or via the support hotline (tel. +4930 5200 45 824; availability: Mon–Fri from 9 a.m. to 6 p.m.). By using the marketing tool without first reporting any damage, the client declares that the Live Marketing Tool is free of damage. In the event of a defect, the client is obliged to contact the support hotline immediately (tel. +4930 5200 45 824). The client is prohibited from modifying and disassembling/taking apart the Live Marketing Tool in its original form, unless this has been exceptionally approved as part of a repair process agreed in writing with the contractor. The contractor generally offers the client free support by telephone and remote maintenance, provided that this is a rental transaction and the problems are the responsibility of the contractor. Support is available Monday through Friday from 9 a.m. to 6 p.m., primarily via live chat, which can be accessed via the website. Any additional services—e.g., in the areas of support, graphics, programming, conceptual consulting—that go beyond this will be billed on the basis of an individual cost rate. If it is necessary to travel to the location of the live marketing tool, an hourly rate of €79.00 and a mileage allowance of €0.40/km will be charged for the journey.
If the product used, the associated software and hardware, or other components of the service provided are stolen or lost, the client shall be liable for replacing the equipment. The basis for calculation shall be the respective replacement value.
Mention of customer reference
The contractor is entitled to name the client as a reference customer on its website, on its social media pages (in particular on Facebook, Twitter, Instagram, LinkedIn, TikTok), and in print advertising materials (such as brochures, posters, and flyers). The naming of the client includes, in particular, but is not limited to, the following aspects:
Mention of word and figurative mark
Publication of key figures relating to the use of the marketing tool (e.g., number of printouts, number of photos, number of email addresses collected, number of photos shared via social media, etc.).
Publication of a description of the action.
Publication of illustrations, renderings, or photos of the marketing tools. The contractor cannot be held responsible for any consequences arising from the use of the above-mentioned aspects.
data protection
The client undertakes to treat all documents and files provided by the contractor (e.g. offers, customer examples, layout templates) as strictly confidential and not to pass them on to third parties. The client assumes liability for all content transmitted to the contractor for further processing with regard to all applicable rights (such as personal rights, trademark and design rights, copyrights, etc.). The client assumes liability for the image and video material created during the period of use as well as the content of the situations depicted therein. All content generated with the marketing tools will be automatically deleted by the contractor within 30 days after the end of use. Only upon written request from the client prior to the period of use will the photos be released to the client immediately after the period of use, i.e., before automatic deletion. The client is obliged to check the approval for the publication of the photos created with the marketing tool and the further use of the user data (e.g., email addresses) themselves. The contractor assumes no liability for the further use of the data. The client is always obliged to comply with the regulations of the relevant data protection provisions.
express surcharges
All design and programming specifications requested by the client must be provided to the contractor in the specified file format no later than seven business days prior to the period of use. If delivery is made later than this, the client will be charged an additional express fee of €150.00 plus 19% VAT. If a booking is made less than 7 working days before the start of use, this rule shall no longer apply and an additional processing fee of 10% of the total amount of the offer shall be charged instead.
Final provisions
German law applies exclusively. With regard to consumers, this choice of law applies only insofar as it does not restrict any mandatory legal provisions of the country in which they have their domicile or habitual residence. If the client is a merchant, a legal entity under public law, or a special fund under public law, the place of jurisdiction for all disputes arising from contractual relationships between the client and the contractor is the contractor's registered office. This shall also apply if the contractor does not have a general place of jurisdiction in Germany or the EU, or if his place of residence or habitual abode is unknown at the time the action is brought. Should individual provisions of this contract be invalid or unenforceable or become invalid or unenforceable after conclusion of the contract, this shall not affect the validity of the rest of the contract. The invalid or unenforceable provision shall be replaced by a valid and enforceable provision whose effects come closest to the economic objective pursued by the contracting parties with the invalid or unenforceable provision. The above provisions shall apply mutatis mutandis in the event that the contract proves to be incomplete.
As of January 2026
PART 2: Online Shop Terms and Conditions
General Terms and Conditions for the online shops at store.upreach.com and vydo.io
Lumynos Labs GmbH Kolonnenstraße 8 10827 Berlin Germany
Phone: +4930 5200 45 824 Email: mail@lumynoslabs.com
(hereinafter: Provider)
for the sale of products to entrepreneurs (hereinafter: customers)
scope of application
The sale of the provider's products offered via the online shop at the above URL is based exclusively on the following General Terms and Conditions (GTC) in the version valid at the time of conclusion of the contract. These GTC apply exclusively. Any terms and conditions of the customer that deviate from these GTC shall not apply unless the provider and the customer have expressly agreed to this. Unless otherwise agreed, these GTC also apply to the following contracts: Delivery of goods with digital elements.
Definition, delimitation
For the purposes of these General Terms and Conditions, an entrepreneur is a natural or legal person or a partnership with legal capacity who, when concluding a legal transaction, acts in the exercise of their commercial or independent professional activity. The subject matter of the contract is the one-time delivery of goods that are not prefabricated and for the manufacture of which an individual selection or determination by the consumer is decisive or which are clearly tailored to the personal needs of the consumer.
conclusion of contract
The offers on the provider's website represent a non-binding invitation to the customer to order products (goods/services). By submitting the order (clicking on the "Buy" button) on the provider's website, the customer makes a binding offer to conclude a contract. Confirmation of receipt of the order follows immediately after the order is submitted and does not constitute acceptance of the contract. The provider can declare acceptance within five days by sending a written order confirmation or an order confirmation in text form (e-mail), whereby the receipt of the order confirmation by the customer is decisive, or by delivering the ordered goods, whereby the receipt of the goods by the customer is decisive, or by requesting payment from the customer after the order has been placed. If several of the aforementioned alternatives exist, the contract is concluded at the point in time when one of the aforementioned alternatives occurs first. If the provider does not declare acceptance within the aforementioned period, this is considered a rejection with the consequence that the customer is no longer bound to their declaration of intent. When an offer is submitted via the provider's online order form, the text of the contract is stored by the provider and sent to the customer in text form (e.g., email, fax, or letter) after the customer has submitted their order, together with these General Terms and Conditions. In addition, the text of the contract is archived on the provider's website and can be accessed free of charge by the customer via their password-protected customer account by entering the relevant login data, provided that the customer has created a customer account in the provider's online shop before sending their order. Before binding submission of the order via the provider's online order form, the customer can continuously correct their entries using the usual keyboard and mouse functions. In addition, all entries are displayed again in a confirmation window before the binding submission of the order and can also be corrected there using the usual keyboard and mouse functions. The contract can be concluded in German and English.
Special provisions for the sale of goods with digital elements
Goods with digital elements within the meaning of these General Terms and Conditions are products that contain digital content or digital services (hereinafter referred to as "digital products") in such a way or are connected to them in such a way that the goods cannot fulfill their functions without them. In addition to delivering the goods, the provider is also responsible for providing the digital content. The provisions on the "Special Terms and Conditions for the Sale of Digital Content" apply accordingly.
Special conditions for the processing of goods according to specific customer requirements
If, according to the content of the contract, the provider is obliged to process the goods in accordance with specific customer requirements in addition to delivering the goods, the customer must provide the provider with all content required for processing, such as text, images, or graphics, in the specified file formats, formatting, image, and file sizes, and grant the provider the necessary rights of use. The customer is solely responsible for procuring and acquiring the rights to this content. The customer declares and assumes responsibility for having the right to use the content provided. In particular, the customer shall ensure that no third-party rights are infringed, in particular copyrights, trademark rights, and personal rights. The customer indemnifies the provider against any claims by third parties that they may assert against the provider in connection with an infringement of their rights through the contractual use of the customer's content by the provider. The customer shall also bear the necessary costs of legal defense, including all court and attorney's fees in the statutory amount. This shall not apply if the customer is not responsible for the infringement. In the event of a claim by a third party, the customer is obligated to provide the provider immediately, truthfully, and completely with all information necessary for the examination of the claims and a defense. The provider reserves the right to refuse processing orders if the content provided by the customer for this purpose violates legal or official prohibitions or offends common decency. This applies in particular to the provision of content that is anti-constitutional, racist, discriminatory, offensive, harmful to minors, and/or glorifies violence.
Handling of goods
The customer is obliged to treat the product with care. If a product is damaged before the transfer of risk through the fault of the customer, the customer shall bear all costs for the repair of all damage incurred. The product may only be used outdoors in covered areas. It must be set up on a level, solid surface. The environmental conditions must also be taken into account. The customer is prohibited from:
Exposing the physical products to rain, moisture, excessive cold/heat, relative humidity above 75%, or direct sunlight. For optimal system stability, an ambient temperature of 15–30 degrees Celsius is recommended.
Cancellation and termination
1. For purchase agreements and long-term rentals (over 2 weeks): Since the hardware systems are individually manufactured, configured, and provided for the customer, cancellation or ordinary termination of the agreement after conclusion of the agreement is excluded. Upon conclusion of the contract (order/order confirmation), the full payment is due in full, regardless of whether the customer accepts or uses the product. This applies both to the purchase of goods and to rental agreements with a term of more than 2 weeks.
2. For short-term rentals (up to 2 weeks rental period): The provider grants the customer a contractual right of cancellation only for rental agreements with a maximum term of 2 weeks. Cancellation must be made in writing. In this case, the following cancellation fees will be charged:
Cancellation up to 30 days before the scheduled delivery date: 30% of the order value.
Cancellation from the 21st day before the planned delivery date: 50% of the order value.
Cancellation from the 14th day before the scheduled delivery date: 80% of the order value.
Cancellation from the 6th day before the scheduled delivery date: 100% of the order value.
obligations to cooperate
The customer is obliged to cooperate in order to fulfill all services listed in the offer. The provider expressly points out that it accepts no liability for their fulfillment, but that this is absolutely necessary for the proper use of the products:
Provision of a stable Internet connection at the installation site. A continuous performance of at least 50 Mbit/s for downloads and 25 Mbit/s for uploads must be guaranteed. This bandwidth must be available exclusively for the end device and may not be used as a shared line.
Sufficient and even lighting of the action area, if a physical photo booth has been booked.
Mention of customer reference
The provider is entitled to name the customer as a reference customer on its website, on its social media pages (in particular on Facebook, Twitter, Instagram, LinkedIn, TikTok), and in print advertising materials (such as brochures, posters, and flyers). The naming of the customer includes, in particular, but not exclusively, the following aspects:
Mention of word and figurative mark
Publication of key figures relating to the campaign (e.g., number of printouts, number of photos, number of email addresses collected, number of photos shared on social media, etc.).
Publication of a description of the action.
Publication of illustrations, renderings, or photos of the products. The provider cannot be held responsible for any consequences arising from the use of the above-mentioned aspects.
Redeeming promotional vouchers
Vouchers that are issued free of charge by the provider as part of promotional campaigns with a specific period of validity and that cannot be purchased by the customer (hereinafter referred to as "promotional vouchers") can only be redeemed on the provider's website under the corresponding conditions. Promotional vouchers can only be redeemed by consumers. Individual products may be excluded from the voucher promotion if a corresponding restriction is specified in the content of the promotional voucher. If the value of the promotional voucher is not sufficient to cover the order, one of the other payment methods provided by the provider can be selected to settle the difference. The promotional voucher will not be refunded if the customer returns the goods paid for in whole or in part with the promotional voucher within the scope of their statutory right of withdrawal. The promotional voucher is transferable. The provider can make payment to the respective holder who redeems the promotional voucher with liberating effect. This does not apply if the provider has knowledge or grossly negligent ignorance of the respective holder's lack of entitlement, legal incapacity, or lack of power of representation.
payment
The prices listed on the provider's website at the time of ordering apply. All prices are exclusive of statutory value added tax, which is only visible at checkout. The payment methods listed on the provider's website are available. If the customer defaults on payment, the provider is entitled to charge entrepreneurs default interest at a rate of nine percentage points above the base rate of the European Central Bank. In the event that the provider claims further damages due to default, the customer has the opportunity to prove that the claimed damages due to default did not occur at all or were lower.
retention of title
The seller retains ownership of the delivered goods until all claims arising from an ongoing business relationship have been settled in full. If the customer is acting as an entrepreneur, they are entitled to resell the goods subject to retention of title in the ordinary course of business. The customer assigns all claims against third parties arising from this in advance to the seller in the amount of the respective invoice value (including sales tax). This assignment applies regardless of whether the goods subject to retention of title have been resold without or after processing. The customer remains authorized to collect the claims even after the assignment. The seller's authority to collect the claims itself remains unaffected. However, the seller will not collect the claims as long as the customer meets its payment obligations to the seller, is not in default of payment, and no application for the opening of insolvency proceedings has been filed.
delivery
The delivery times can be found on the provider's website. The provider will indicate any deviating delivery times on the respective product page. The start of the delivery period specified by the supplier is subject to the timely and proper fulfillment of the customer's obligations, in particular the correct specification of the delivery address when placing the order. If goods are delivered by a forwarding agent, delivery shall be "free kerbside," i.e., to the public kerbside closest to the delivery address, unless otherwise agreed. If the customer is acting as an entrepreneur, the risk of accidental loss and accidental deterioration of the goods sold shall pass to the customer as soon as the provider has handed over the goods to the forwarding agent, the carrier, or any other natural or legal person designated to carry out the shipment.
warranty
Statutory liability for defects applies. Notwithstanding this, the following applies to contracts for the delivery of goods: If the customer is acting as an entrepreneur,
the supplier has the choice of the type of subsequent performance;
for new goods, the limitation period for defects is one year from delivery of the goods;
rights and claims due to defects are excluded for used goods;
the limitation period shall not recommence if a replacement delivery is made within the scope of liability for defects. The above limitations of liability and shortened periods do not apply to claims for damages and reimbursement of expenses by the customer in the event that the provider has fraudulently concealed the defect, for goods that have been used for a building in accordance with their normal use and have caused its defectiveness, or for contracts for the delivery of goods with digital elements. In addition, for entrepreneurs, the statutory limitation periods for any existing statutory right of recourse remain unaffected. If the customer acts as a merchant within the meaning of § 1 HGB (German Commercial Code), they are subject to the commercial obligation to inspect and give notice of defects in accordance with § 377 HGB. If the customer fails to comply with the notification obligations stipulated therein, the goods shall be deemed to have been approved.
liability
The provider shall be liable to the customer for all contractual, quasi-contractual, and statutory claims, including tortious claims, for damages and reimbursement of expenses as follows:
The provider shall be liable without limitation for any legal reason in the event of intent or gross negligence, in the event of intentional or negligent injury to life, limb, or health, on the basis of a guarantee promise, unless otherwise stipulated in this regard, or on the basis of mandatory liability, such as under the Product Liability Act.
If the provider negligently breaches a material contractual obligation, liability shall be limited to the foreseeable damage typical for this type of contract, unless unlimited liability applies in accordance with the above clause. Essential contractual obligations are obligations that the contract imposes on the provider according to its content in order to achieve the purpose of the contract, the fulfillment of which is essential for the proper execution of the contract and on the observance of which the customer may regularly rely. Otherwise, the provider's liability is excluded. The above liability provisions also apply with regard to the provider's liability for its vicarious agents and legal representatives. The customer shall indemnify the provider against any claims by third parties—including the costs of legal defense in their statutory amount—that are asserted against the provider due to illegal or contractual actions on the part of the customer.
Final provisions
The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods. If the customer is a merchant, a legal entity under public law, or a special fund under public law, the court at the provider's registered office shall have jurisdiction, unless an exclusive place of jurisdiction has been established for the dispute. This also applies if the customer is not domiciled within the European Union. The registered office of the provider can be found in the heading of these General Terms and Conditions. If any provision of this contract is or becomes invalid or unenforceable, the remaining provisions of this contract shall remain unaffected.
As of January 2026
PART 3: Cancellation policy & cancellation notice
Cancellation policy & exclusion of cancellation Lumynos Labs GmbH
1. No right of withdrawal in B2B transactions
The offer of Lumynos Labs GmbH is directed exclusively at entrepreneurs within the meaning of § 14 BGB (German Civil Code), legal entities under public law or special funds under public law. Since sales are made exclusively to entrepreneurs, there is no statutory right of withdrawal within the meaning of § 312g BGB. Returns of goods free of defects are therefore generally excluded.
2. Exclusion of cancellation for purchase & long-term rental
We expressly point out that no contractual right of withdrawal or cancellation is granted for purchase contracts and rental agreements with a term of more than two weeks. Since our products ("marketing tools") are individually manufactured, configured, and customized in terms of branding according to customer specifications, the contract is binding upon signature or order confirmation. The client is obliged to accept and pay 100% of the agreed price, even if they no longer require the product.
3. Cancellation only for short-term rentals (events)
We only offer a staggered cancellation option for short-term rentals (rental period up to a maximum of 2 weeks). If you wish to terminate such a short-term rental agreement prematurely, the cancellation fees in accordance with our General Terms and Conditions (GTC) apply.
Right of withdrawal for pure software components
(Applies only if separate standard software licenses are purchased without hardware)
You have the right to withdraw from this contract within fourteen days without giving any reason, provided that it relates exclusively to the provision of separate standard software that is not part of a hardware bundle. The withdrawal period is fourteen days from the date of conclusion of the contract.
To exercise your right of withdrawal for software, you must inform us
Lumynos Labs GmbH Kolonnenstraße 8 10827 Berlin Germany Phone: +4930 5200 45 824 Email: mail@lumynoslabs.com
by means of a clear statement (e.g., a letter sent by mail or an email) of your decision to withdraw from this contract.
Consequences of withdrawal (software): If you withdraw from this contract (with regard to the software), we shall reimburse you for all payments we have received from you for the software without delay and at the latest within fourteen days of the day on which we receive notification of your withdrawal from this contract.
Expiration of the right of withdrawal (software): The right of withdrawal expires in the case of a contract for the delivery of digital content that is not stored on a physical data carrier, even if we have begun to execute the contract after you have expressly agreed that we may begin to execute the contract before the expiry of the withdrawal period, and you have confirmed your knowledge that by agreeing to the commencement of the execution of the contract, you lose your right of withdrawal.
As of January 2026