Dual Interface Integrated Circuit Card Market Global Report 2026

Published Jan 22, 2026

Length 250 Pages

SKU # BRC20775096

Description

Dual Interface Integrated Circuit Card Market Global Report 2026 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses dual interface integrated circuit card market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Gain a truly global perspective with the most comprehensive report available on this market covering 16 geographies.
Assess the impact of key macro factors such as geopolitical conflicts, trade policies and tariffs, inflation and interest rate fluctuations, and evolving regulatory landscapes.
Create regional and country strategies on the basis of local data and analysis.
Identify growth segments for investment.
Outperform competitors using forecast data and the drivers and trends shaping the market.
Understand customers based on end user analysis.
Benchmark performance against key competitors based on market share, innovation, and brand strength.
Evaluate the total addressable market (TAM) and market attractiveness scoring to measure market potential.
Suitable for supporting your internal and external presentations with reliable high-quality data and analysis
Report will be updated with the latest data and delivered to you within 2-3 working days of order along with an Excel data sheet for easy data extraction and analysis.
All data from the report will also be delivered in an excel dashboard format.

Description:

Where is the largest and fastest growing market for dual interface integrated circuit card ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The dual interface integrated circuit card market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, total addressable market (TAM), market attractiveness score (MAS), competitive landscape, market shares, company scoring matrix, trends and strategies for this market. It traces the market’s historic and forecast market growth by geography.

The market characteristics section of the report defines and explains the market. This section also examines key products and services offered in the market, evaluates brand-level differentiation, compares product features, and highlights major innovation and product development trends.
The supply chain analysis section provides an overview of the entire value chain, including key raw materials, resources, and supplier analysis. It also provides a list competitor at each level of the supply chain.
The updated trends and strategies section analyses the shape of the market as it evolves and highlights emerging technology trends such as digital transformation, automation, sustainability initiatives, and AI-driven innovation. It suggests how companies can leverage these advancements to strengthen their market position and achieve competitive differentiation.
The regulatory and investment landscape section provides an overview of the key regulatory frameworks, regularity bodies, associations, and government policies influencing the market. It also examines major investment flows, incentives, and funding trends shaping industry growth and innovation.
The market size section gives the market size ($b) covering both the historic growth of the market, and forecasting its development.
The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.
The total addressable market (TAM) analysis section defines and estimates the market potential compares it with the current market size, and provides strategic insights and growth opportunities based on this evaluation.
The market attractiveness scoring section evaluates the market based on a quantitative scoring framework that considers growth potential, competitive dynamics, strategic fit, and risk profile. It also provides interpretive insights and strategic implications for decision-makers.
Market segmentations break down the market into sub markets.
The regional and country breakdowns section gives an analysis of the market in each geography and the size of the market by geography and compares their historic and forecast growth.
Expanded geographical coverage includes Taiwan and Southeast Asia, reflecting recent supply chain realignments and manufacturing shifts in the region. This section analyzes how these markets are becoming increasingly important hubs in the global value chain.
The competitive landscape chapter gives a description of the competitive nature of the market, market shares, and a description of the leading companies. Key financial deals which have shaped the market in recent years are identified.
The company scoring matrix section evaluates and ranks leading companies based on a multi-parameter framework that includes market share or revenues, product innovation, and brand recognition.

Scope

Markets Covered:1) By Type: Contact Interface Cards; Contactless Interface Cards; Dual Interface Smart Cards; Hybrid Cards

2) By Component: Microcontroller; Memory; Other Components

3) By Technology: Radio Frequency Identification; Near Field Communication; Magnetic Stripe Technology; Smart Card Technology

4) By Application: Banking And Financial Services; Telecommunications; Transportation And Logistics; Government And Identification; Healthcare And Medical Services; Retail

Subsegments:

1) By Contact Interface Cards: Consumer Grade; Commercial Grade; Access Control Systems

2) By Contactless Interface Cards: Banking Cards; Transit Cards; Retail And Loyalty Cards

3) By Dual Interface Smart Cards: Payment Cards; Identification Cards; Healthcare Cards

4) By Hybrid Cards: Telecom Cards; Multi Application Cards; Secure Government Cards

Companies Mentioned: IDEMIA Group; Thales Group S.A.; Infineon Technologies AG; NXP Semiconductors N.V.; Giesecke & Devrient GmbH; CPI Card Group Inc.; Austriacard Holdings AG; Eastcompeace Technology Co. Ltd.; Goldpac Group Limited; dz card (International) Co. Ltd.; Paragon Identification SAS; Arroweye Solutions Inc.; Silone Cardtech Co. Ltd.; CardLogix Corporation; MoreRFID Co. Ltd.; Variuscard GmbH; IC Payments LLC; Toppan Printing Co. Ltd.; SmartTech Production Co. Ltd.; Beijing Watchdata System Co. Ltd.

Countries: Australia; Brazil; China; France; Germany; India; Indonesia; Japan; Taiwan; Russia; South Korea; UK; USA; Canada; Italy; Spain.

Regions: Asia-Pacific; South East Asia; Western Europe; Eastern Europe; North America; South America; Middle East; Africa

Time Series: Five years historic and ten years forecast.

Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita,

Data Segmentations: country and regional historic and forecast data, market share of competitors, market segments.

Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.

Please Note: Report will be updated with the latest data and delivered to you within 3-5 working days of order.

1. Executive Summary: 1.1. Key Market Insights (2020-2035); 1.2. Visual Dashboard: Market Size, Growth Rate, Hotspots; 1.3. Major Factors Driving the Market; 1.4. Top Three Trends Shaping the Market
2. Dual Interface Integrated Circuit Card Market Characteristics: 2.1. Market Definition & Scope; 2.2. Market Segmentations; 2.3. Overview of Key Products and Services; 2.4. Global Dual Interface Integrated Circuit Card Market Attractiveness Scoring And Analysis; 2.4.1. Overview of Market Attractiveness Framework; 2.4.2. Quantitative Scoring Methodology; 2.4.3. Factor-Wise Evaluation; Growth Potential Analysis, Competitive Dynamics Assessment, Strategic Fit Assessment And Risk Profile Evaluation; 2.4.4. Market Attractiveness Scoring and Interpretation; 2.4.5. Strategic Implications and Recommendations
3. Dual Interface Integrated Circuit Card Market Supply Chain Analysis: 3.1. Overview of the Supply Chain and Ecosystem; 3.2. List Of Key Raw Materials, Resources & Suppliers; 3.3. List Of Major Distributors and Channel Partners; 3.4. List Of Major End Users
4. Global Dual Interface Integrated Circuit Card Market Trends And Strategies: 4.1. Key Technologies & Future Trends; 4.1.1 Artificial Intelligence & Autonomous Intelligence; 4.1.2 Industry 4.0 & Intelligent Manufacturing; 4.1.3 Internet Of Things (Iot), Smart Infrastructure & Connected Ecosystems; 4.1.4 Digitalization, Cloud, Big Data & Cybersecurity; 4.1.5 Fintech, Blockchain, Regtech & Digital Finance; 4.2. Major Trends; 4.2.1 Secure Multi-Application Smart Cards; 4.2.2 Contactless Payment Adoption; 4.2.3 Biometric Integrated Cards; 4.2.4 Wearable Smart Card Integration; 4.2.5 Cloud-Based Card Management
5. Dual Interface Integrated Circuit Card Market Analysis Of End Use Industries: 5.1 Banking And Financial Institutions; 5.2 Government Agencies; 5.3 Telecommunications Providers; 5.4 Transportation And Logistics Companies; 5.5 Healthcare Providers
6. Dual Interface Integrated Circuit Card Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, Supply Chain Impact from Tariff War & Trade Protectionism, And Covid And Recovery On The Market
7. Global Dual Interface Integrated Circuit Card Strategic Analysis Framework, Current Market Size, Market Comparisons And Growth Rate Analysis: 7.1. Global Dual Interface Integrated Circuit Card PESTEL Analysis (Political, Social, Technological, Environmental and Legal Factors, Drivers and Restraints); 7.2. Global Dual Interface Integrated Circuit Card Market Size, Comparisons And Growth Rate Analysis; 7.3. Global Dual Interface Integrated Circuit Card Historic Market Size and Growth, 2020 - 2025, Value ($ Billion); 7.4. Global Dual Interface Integrated Circuit Card Forecast Market Size and Growth, 2025 - 2030, 2035F, Value ($ Billion)
8. Global Dual Interface Integrated Circuit Card Total Addressable Market (TAM) Analysis for the Market: 8.1. Definition and Scope of Total Addressable Market (TAM); 8.2. Methodology and Assumptions; 8.3. Global Total Addressable Market (TAM) Estimation; 8.4. TAM vs. Current Market Size Analysis; 8.5. Strategic Insights and Growth Opportunities from TAM Analysis
9. Dual Interface Integrated Circuit Card Market Segmentation: 9.1. Global Dual Interface Integrated Circuit Card Market, Segmentation By Type, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion; Contact Interface Cards, Contactless Interface Cards, Dual Interface Smart Cards, Hybrid Cards; 9.2. Global Dual Interface Integrated Circuit Card Market, Segmentation By Component, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion; Microcontroller, Memory, Other Components; 9.3. Global Dual Interface Integrated Circuit Card Market, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion; Radio Frequency Identification, Near Field Communication, Magnetic Stripe Technology, Smart Card Technology; 9.4. Global Dual Interface Integrated Circuit Card Market, Segmentation By Application, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion; Banking And Financial Services, Telecommunications, Transportation And Logistics, Government And Identification, Healthcare And Medical Services, Retail; 9.5. Global Dual Interface Integrated Circuit Card Market, Sub-Segmentation Of Contact Interface Cards, By Type, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion; Consumer Grade, Commercial Grade, Access Control Systems; 9.6. Global Dual Interface Integrated Circuit Card Market, Sub-Segmentation Of Contactless Interface Cards, By Type, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion; Banking Cards, Transit Cards, Retail And Loyalty Cards; 9.7. Global Dual Interface Integrated Circuit Card Market, Sub-Segmentation Of Dual Interface Smart Cards, By Type, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion; Payment Cards, Identification Cards, Healthcare Cards; 9.8. Global Dual Interface Integrated Circuit Card Market, Sub-Segmentation Of Hybrid Cards, By Type, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion; Telecom Cards, Multi Application Cards, Secure Government Cards
10. Dual Interface Integrated Circuit Card Market Regional And Country Analysis: 10.1. Global Dual Interface Integrated Circuit Card Market, Split By Region, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion; 10.2. Global Dual Interface Integrated Circuit Card Market, Split By Country, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
11. Asia-Pacific Dual Interface Integrated Circuit Card Market: 11.1. Asia-Pacific Dual Interface Integrated Circuit Card Market Overview; Region Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 11.2. Asia-Pacific Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
12. China Dual Interface Integrated Circuit Card Market: 12.1. China Dual Interface Integrated Circuit Card Market Overview; Country Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 12.2. China Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
13. India Dual Interface Integrated Circuit Card Market: 13.1. India Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
14. Japan Dual Interface Integrated Circuit Card Market: 14.1. Japan Dual Interface Integrated Circuit Card Market Overview; Country Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 14.2. Japan Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
15. Australia Dual Interface Integrated Circuit Card Market: 15.1. Australia Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
16. Indonesia Dual Interface Integrated Circuit Card Market: 16.1. Indonesia Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
17. South Korea Dual Interface Integrated Circuit Card Market: 17.1. South Korea Dual Interface Integrated Circuit Card Market Overview; Country Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 17.2. South Korea Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
18. Taiwan Dual Interface Integrated Circuit Card Market: 18.1. Taiwan Dual Interface Integrated Circuit Card Market Overview; Country Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 18.2. Taiwan Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
19. South East Asia Dual Interface Integrated Circuit Card Market: 19.1. South East Asia Dual Interface Integrated Circuit Card Market Overview; Region Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 19.2. South East Asia Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
20. Western Europe Dual Interface Integrated Circuit Card Market: 20.1. Western Europe Dual Interface Integrated Circuit Card Market Overview; Region Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 20.2. Western Europe Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
21. UK Dual Interface Integrated Circuit Card Market: 21.1. UK Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
22. Germany Dual Interface Integrated Circuit Card Market: 22.1. Germany Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
23. France Dual Interface Integrated Circuit Card Market: 23.1. France Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
24. Italy Dual Interface Integrated Circuit Card Market: 24.1. Italy Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
25. Spain Dual Interface Integrated Circuit Card Market: 25.1. Spain Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
26. Eastern Europe Dual Interface Integrated Circuit Card Market: 26.1. Eastern Europe Dual Interface Integrated Circuit Card Market Overview; Region Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 26.2. Eastern Europe Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
27. Russia Dual Interface Integrated Circuit Card Market: 27.1. Russia Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
28. North America Dual Interface Integrated Circuit Card Market: 28.1. North America Dual Interface Integrated Circuit Card Market Overview; Region Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 28.2. North America Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
29. USA Dual Interface Integrated Circuit Card Market: 29.1. USA Dual Interface Integrated Circuit Card Market Overview; Country Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 29.2. USA Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
30. Canada Dual Interface Integrated Circuit Card Market: 30.1. Canada Dual Interface Integrated Circuit Card Market Overview; Country Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 30.2. Canada Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
31. South America Dual Interface Integrated Circuit Card Market: 31.1. South America Dual Interface Integrated Circuit Card Market Overview; Region Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 31.2. South America Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
32. Brazil Dual Interface Integrated Circuit Card Market: 32.1. Brazil Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
33. Middle East Dual Interface Integrated Circuit Card Market: 33.1. Middle East Dual Interface Integrated Circuit Card Market Overview; Region Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 33.2. Middle East Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
34. Africa Dual Interface Integrated Circuit Card Market: 34.1. Africa Dual Interface Integrated Circuit Card Market Overview; Region Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies; 34.2. Africa Dual Interface Integrated Circuit Card Market, Segmentation By Type, Segmentation By Component, Segmentation By Technology, Historic and Forecast, 2020-2025, 2025-2030F, 2035F, $ Billion
35. Dual Interface Integrated Circuit Card Market Regulatory and Investment Landscape
36. Dual Interface Integrated Circuit Card Market Competitive Landscape And Company Profiles: 36.1. Dual Interface Integrated Circuit Card Market Competitive Landscape And Market Share 2024; 36.1.1. Top 10 Companies (Ranked by revenue/share); 36.2. Dual Interface Integrated Circuit Card Market - Company Scoring Matrix; 36.2.1. Market Revenues; 36.2.2. Product Innovation Score; 36.2.3. Brand Recognition; 36.3. Dual Interface Integrated Circuit Card Market Company Profiles; 36.3.1. IDEMIA Group Overview, Products and Services, Strategy and Financial Analysis; 36.3.2. Thales Group S.A. Overview, Products and Services, Strategy and Financial Analysis; 36.3.3. Infineon Technologies AG Overview, Products and Services, Strategy and Financial Analysis; 36.3.4. NXP Semiconductors N.V. Overview, Products and Services, Strategy and Financial Analysis; 36.3.5. Giesecke & Devrient GmbH Overview, Products and Services, Strategy and Financial Analysis
37. Dual Interface Integrated Circuit Card Market Other Major And Innovative Companies: CPI Card Group Inc., Austriacard Holdings AG, Eastcompeace Technology Co. Ltd., Goldpac Group Limited, dz card (International) Co. Ltd., Paragon Identification SAS, Arroweye Solutions Inc., Silone Cardtech Co. Ltd., CardLogix Corporation, MoreRFID Co. Ltd., Variuscard GmbH, IC Payments LLC, Toppan Printing Co. Ltd., SmartTech Production Co. Ltd., Beijing Watchdata System Co. Ltd.
38. Global Dual Interface Integrated Circuit Card Market Competitive Benchmarking And Dashboard
39. Key Mergers And Acquisitions In The Dual Interface Integrated Circuit Card Market
40. Dual Interface Integrated Circuit Card Market High Potential Countries, Segments and Strategies: 40.1 Dual Interface Integrated Circuit Card Market In 2030 - Countries Offering Most New Opportunities; 40.2 Dual Interface Integrated Circuit Card Market In 2030 - Segments Offering Most New Opportunities; 40.3 Dual Interface Integrated Circuit Card Market In 2030 - Growth Strategies; 40.3.1 Market Trend Based Strategies; 40.3.2 Competitor Strategies
41. Appendix: 41.1. Abbreviations; 41.2. Currencies; 41.3. Historic And Forecast Inflation Rates; 41.4. Research Inquiries; 41.5. The Business Research Company; 41.6. Copyright And Disclaimer

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