1 ELECTRONIC COMMERCE (GENERAL) [S.L SUBSIDIARY LEGISLATION ELECTRONIC COMMERCE (GENERAL) REGULATIONS 24th October, 2006 LEGAL NOTICE 251 of 2006, as amended by Legal Notices 426 of 2007 and 180 of The title of these regulations is the Electronic Commerce (General) Regulations. 2. (1) Unless otherwise stated in these regulations, the definitions in the Electronic Commerce Act shall apply. (2) In these regulations, unless the context otherwise requires: "the Act" means the Electronic Commerce Act and includes any regulations made thereunder; "the Authority" means the Malta Communications Authority established under the Malta Communications Authority Act; "commercial communication" means any form of communication designed to promote, directly or indirectly, the goods, services or image of a person pursuing a commercial, industrial or craft activity or exercising a regulated profession. The following do not in themselves constitute commercial communications: information allowing direct access to the activity of the person, in particular a domain name or an electronic mail address, or communications relating to the goods, services or image of the person compiled in an independent manner, particularly when this is without financial consideration; " the Commission" means the Commission of the European Community; "the Community" means the European Community; "Community acts" means an act adopted by an institution of the Community; "consumer" includes any person who makes use of any services regulated by the Act and, or by these regulations, and for the purposes of regulation 14 includes a recipient; " coordinate d f i eld" m eans r e q u i r e m e n t s a p p l i cable t o information society service providers or information society services, regardless of whether they are of a general nature or specifically designed for them, and covers requirements with which the service provider has to comply in respect of - the taking up of the activity of an information society service, such as requirements concerning qualifications, authorisation or notification, Title. Definitions. L.N. 180 of Cap Cap Cap. 418.
2 2 [S.L ELECTRONIC COMMERCE (GENERAL) the pursuit of the activity of an information society service, such as requirements concerning the behaviour of the service provider, requirements regarding the quality or content of the service, including those applicable to advertising and contracts, or requirements concerning the liability of the service provider, but does not cover requirements such as those applicable to goods as such, to the delivery of goods or to services not provided by electronic means; "court" means any court of law or adjudicative tribunal, however so described, set up by law; "Electronic Commerce Directive" means Directive 2000/31/EC of the European Parliament and of the Council of 8 June 2000 on certain legal aspects of information society services, in particular electronic commerce, in the internal market; "Electronic Signatures Directive" means Directive 1999/93/EC of the European Parliament and of the Council of 13 December 1999 on a Community framework for electronic signatures; "electronic signature product" means hardware or software, or relevant components thereof, which are intended to be used by a signature certification service provider for the provision of electronic signature services or are intended to be used for the creation or verification of electronic signatures; "enforcement action" means any form of enforcement action, however so described, including the imposition of any sanctions, that an enforcement authority, including the Authority, is empowered to take at law; "enforcement authority" means any person who under any law is authorised to take enforcement action, but does not include a court; "the European Council" means the Council of the European Community; "intra-community infringement" means: (i) (ii) (iii) an act or omission contrary to the Act or to these regulations which takes place in Malta and which harms or is likely to harm the collective interests of consumers residing in a Member State or in Member States other than Malta; or an act or omission contrary to the Act or to these regulations by a seller or supplier who is established in Malta and which harms or is likely to harm the collective interests of consumers residing in a Member State or in Member States other than Malta; or an act or omission contrary to the Act or to these regulations which takes place in Malta and which harms or is likely to harm the collective interests of consumers residing in a Member State or in Member States other than Malta
3 ELECTRONIC COMMERCE (GENERAL) [S.L where the evidence or assets pertaining to the act or omission are to be found in Malta; "Member State" means a Member State of the European Community; "person" includes any body corporate or any body of persons whether or not it has a legal personality distinct from that of its members; "qualified entity" means: (c) (d) (e) (f) a registered consumer association within the meaning of Part IV of the Consumer Affairs Act, and a voluntary organization recognized by the Authority as having a legitimate interest in protecting the collective interests of consumers: Provided that before recognizing any such voluntary organization as a qualified entity the Authority shall consult with the Consumer Affairs Council as established under the Consumer Affairs Act; in the context of regulations 3, 4 and 5, any enforcement authority to whom those regulations apply; one or more independent public bodies, having a legitimate interest in ensuring the protection of the collective interests of consumers of any services regulated by the Directive on Electronic Commerce in other Member States in which such bodies exist; voluntary organizations in other Member States whose purpose is to protect the interests referred to in paragraph of this definition in accordance with the criteria laid down by their national law; one or more organizations recognized by the Authority as collectively representing information society service providers; or any qualified entity from a Member State included in the list of qualified entities; "regulated profession" means any profession within the meaning of: either article 1(d) of European Council Directive 89/ 48/EEC of the 21st December 1988 on a general system for the recognition of higher education diplomas awarded on completion of professional education and training for a duration of at least three years, or article 1(f) of European Council Directive 92/51/ EEC of the 18th June 1992 on a second general system for the recognition of professional education and training to supplement Directive 89/48/EEC; " service provider" means any person established in Malta providing an information society service, and for the purposes of Cap Cap. 378.
4 4 [S.L ELECTRONIC COMMERCE (GENERAL) Cap regulations 9 and 14, includes any services provided by a signature certification service provider; "Tribunal" means the Administrative Review Tribunal established by article 5 of the Administrative Justice Act. Internal market. 3. (1) Subject to subregulation (4), any requirement that falls within the coordinated field shall apply to the provision of an information society service by a service provider established in Malta, irrespective of whether that service is provided in Malta or in another Member State. (2) Subject to subregulation (4), an enforcement authority with responsibility in relation to any requirement in subregulation (1), shall ensure that the provision of an information society service by a service provider established in Malta complies with that requirement irrespective of whether the service is provided in Malta or in another Member State, and any power, remedy or procedure for taking enforcement action shall be available to secure compliance. (3) Subject to subregulations (4) and (5), no requirement shall be applied to the provision of an information society service by a service provider established in a Member State other than Malta for reasons which fall within the coordinated field if its application would restrict the freedom to provide information society services to a person in Malta from that Member State. (4) Subregulations (1), (2) and (3) shall not apply to those fields set out in the Schedule. (5) The reference to any requirements the application of which would restrict the freedom to provide information society services from another Member State in subregulation (3) does not include any requirement maintaining the level of protection for public health and consumer interests established by Community acts. Derogations from regulation (1) Notwithstanding regulation 3(3), an enforcement authority may take measures, including applying any requirement which would otherwise not apply by virtue of regulation 3(3), in respect of a given inform ation society service, where those measures are necessary for reasons of - public policy, in particular the prevention, investigation, detection and prosecution of criminal offences, including the protection of minors and the fight against any incitement to hatred on grounds of race, sex, religion or nationality, and violations of human dignity concerning individual persons, (c) (d) the protection of public health, public security, including the safeguarding of national security and defence, or the protection of consumers, including investors, and are proportionate to those objectives. (2) Notwithstanding regulation 3(3), in any case where an enforcement authority is not party to the proceedings, a court may,
5 ELECTRONIC COMMERCE (GENERAL) [S.L on the application of any person or of its own motion, apply any requirement which would otherwise not apply by virtue of regulation 3(3) in respect of a given information society service, if the application of that law or requirement is necessary for and proportionate to any of the objectives set out in subregulation (1). (3) Subregulations (1) and (2) shall only apply where the information society service prejudices or presents a serious and grave risk of prejudice to an objective as stated in subregulation (1) to (d). (4) Subject to subregulations (5) and (6), an enforcement authority shall not take the measures in subregulation (1) unless it - asks the Member State in which the service provider is established to take measures and the aforesaid Member State does not take such measures or the measures taken are inadequate; and notifies the European Commission and the Member State in which the service provider is established of its intention to take such measures. (5) Nothing in subregulation (4) affects the commencement of any legal proceedings or the investigation of any offence, however so described, by any enforcement authority. (6) If it appears to the enforcement authority that the matter is one of urgency, it may take the measures under subregulation (1) without first applying the requirements of subregulation (4). (7) In a case where a measure is taken pursuant to subregulation ( 6), the enforcement authority shall notify the measures taken, to the European Commission and to the Member State concerned in the shortest time possible thereafter stating the reasons for urgency. 5. (1) Without prejudice to the information requirements under the First Schedule to the Act, a service provider shall make available to the recipient of the service and where appropriate or requested, to the competent enforcement authority and, or to the Authority, in a form and manner which is easily, directly and permanently accessible, the following information: (c) (d) (e) the name of the service provider; the geographic address where the service provider is established; the details of the service provider, including his electronic mail address, which allows him to be contacted rapidly and communicated with in a direct and effective manner; where the service provider is registered in a trade or similar public register, the trade or other such register in which the service provider is entered and his registration number, or equivalent means of identification in that register; where the activity is subject to an authorisation General information to be provided.
6 6 [S.L ELECTRONIC COMMERCE (GENERAL) Provision of information in commercial communications. (f) (g) (h) scheme, the particulars of the relevant supervisory public authority; where the service provider is a member of a regulated profession - (i) (ii) (iii) any professional body or similar institution with which the service provider is registered, the professional title of the provider and the Member State where it has been granted, and a reference to the applicable professional rules in the Member State of establishment and the means to access them; where the service provider undertakes an activity that is subject to value added tax, the identification number referred to in article 22(1) of the Sixth Council Directive 77/388/EEC of 17th May 1977 on the harmonisation of the laws of the Member States relating to turnover taxes - common system of value added tax: uniform basis of assessment; and when a service provider sends unsolicited commercial communications, details of how users of the service can register their choice regarding unsolicited commercial communications, which details must be prominently displayed on the website of the service provider and at every point where users of the service are asked to provide information when accessing the website of the service provider. (2) Where the service provider refers to prices, these prices shall be indicated clearly and unambiguously and, in particular, shall indicate whether they are inclusive of any tax, however so described, and delivery costs. 6. In addition to any other information requirements that may be established at law, a service provider shall ensure that any commercial communication provided by him, which constitutes or forms part of an information society service shall - (c) (d) be clearly identified as a commercial communication; clearly identify the person on whose behalf the commercial communication is made; clearly identify as such any promotional offer, including any discount, premium or gift, and ensure that any conditions which must be met to qualify for it are easily accessible, and presented clearly and unambiguously; clearly identify as such any promotional competition or game and ensure that any conditions for participation are easily accessible and presented clearly and unambiguously; and Cap (e) without prejudice to the provisions of the Data Protection Act and of any other laws regulating data protection, clearly identify details of how users of the
7 ELECTRONIC COMMERCE (GENERAL) [S.L service can register their choice regarding unsolicited commercial communications, which details must be prominently displayed at every point where users of the service are asked to provide information. 7. (1) This regulation establishes and regulates the right under these regulations to make a commercial communication which is part of, or constitutes, a service provided by a member of a regulated profession. (2) Without prejudice to any other provision of these regulations permitting a restriction or limitation of the right to which this regulation applies, a body which at law is responsible for a regulated profession may, in exercise of any powers vested in it at law to regulate the activities of its members, make the exercise by a member of the profession of the right to which this regulation applies, subject to compliance with specified conditions as referred to in subregulation (3). (3) The conditions that may be so specified are those that may reasonably be regarded as appropriate for the purpose of maintaining the standing and integrity of the profession concerned and ensuring adherence by its members to the requisite standards and, in particular, for the purpose of ensuring - the independence, dignity and honour of the profession, and compliance with obligations of professional secrecy and fairness towards clients and other members of the profession. 8. Subject to the provisions of regulation 9, the provision of information society services by a service provider shall not be subject to any prior authorization: Provided that the provision of such information society services shall be without prejudice to authorisation schemes which are not specifically and exclusively targeted at information society services, or which are covered by the Electronic Communications (Regulation) Act or any regulations made thereunder. 9. (1) For the purposes of this regulation only, "services" means signature certification services and any such information society services to which the provisions of this regulation may apply, consequential to any designation that the Authority may make in accordance with subregulation (2). (2) Before providing services a service provider shall complete and file a notice with the Authority which shall be made in such form and include any such information as the Authority may require: Provided that such information shall be limited to what is necessary for the Authority to identify the service provider and the services he provides: Provided further that the Authority may, with the prior approval of the Minister, designate such other categories of service Regulated professions. No requirement for prior authorisation. Cap Notification requirement.
8 8 [S.L ELECTRONIC COMMERCE (GENERAL) providers to complete and file a notice in accordance with this regulation as the Authority may from time to time consider necessary. (3) The service provider shall notify the Authority if such a service provider ceases to provide the notified service or if there is any change in the details of the notice previously filed. Such notification shall be made within thirty days of cessation of service provision or of the change to the notified information: Provided that service providers already providing a service at the time of the coming into force of this regulation, shall file a notice with the Authority within ninety days of the coming into force of this regulation. (4) The Authority shall establish and maintain a register of those service providers that have notified the Authority in accordance with this regulation. Such Register shall be accessible to the public and shall contain such information as the Authority considers appropriate. Electronic signature products standards. Recognition of certificates. 10. (1) Electronic signature products which meet the standards published by the European Commission in the Official Journal of the European Commission, in accordance with the procedure laid down in Article 9 of the Electronic Signatures Directive shall be presumed to be in compliance with the requirements laid down in paragraph (f) of the Third Schedule and of the Fourth Schedule, as applicable, of the Act. (2) The use of electronic signature products originating from outside Malta and which comply with Electronic Signatures Directive shall not be subject to any restrictions. 11. (1) Certificates which are issued as qualified certificates to the public by a signature certification service provider established in a third country shall be recognised as legally equivalent to certificates issued by a signature certification service provider established within the Community if: (c) the signature certification service provider fulfils the requirements laid down in the Electronic Signatures Directive and has been accredited under a voluntary accreditation scheme established in a Member State; or a signature certification service provider established within the Community who fulfils the requirements laid down in the Electronic Signatures Directive, guarantees the certificate; or the certificate or the signature certification service provider is recognised under a bilateral or multilateral agreement between the Community and third countries or international organisations. (2) Measures taken in accordance with subregulation (1) shall be without prejudice to any obligations undertaken by Malta under relevant international agreements.
9 ELECTRONIC COMMERCE (GENERAL) [S.L During the signature verification process, the signature certification service provider shall ensure with reasonable certainty, that: (c) (d) (e) (f) (g) the data used for verifying the signature correspond to the data displayed to the verifier; the signature is reliably verified and the result of that verification is correctly displayed; the verifier can, as necessary, reliably establish the contents of the signed data; the authenticity and validity of the certificate required at the time of signature verification are reliably verified; the result of verification and the identity of the signatory are correctly displayed; the use of a pseudonym is clearly indicated; and any security-relevant changes can be detected. 13. The Authority may, in order to ensure compliance with the provisions of the Act, from time to time issue technical guidelines as it may consider appropriate and require a signature certification service provider to submit to the Authority a statement concerning compliance with the Second and, or Third Schedules of the Act and any technical guidelines as the case may be, which statement shall be verified by auditors independent of the service provider, and the expense of such auditors shall be paid by the service provider: Provided that any such auditors shall first be approved by the Authority: Provided further that such an audit may only be required of a service provider at intervals of not less than one year, or if the Authority considers that there has been a material change in operations of the service provider or as part of an investigation conducted by the Authority in accordance with its powers at law. 14. (1) Where a dispute however so described arises between a service provider and a consumer further to a complaint by a consumer alleging an infringement of the Act or of such provisions of these regulations as are enforced by the Authority, any party to such a dispute may refer the dispute to the Authority: Provided that in making a complaint the consumer must prima facie show that he has been affected by the act or omission of the service provider giving rise to the complaint. (2) Upon receipt of any reference as aforesaid, or upon otherwise becoming aware of any such dispute that the Authority believes should be investigated, the Authority shall notify all the parties to the dispute that the matter is being investigated. In doing so the Authority shall regulate its own procedure, which procedure shall, as far as is reasonably possible, be transparent, simple, inexpensive and conducive to a prompt and fair settlement of the dispute, and shall afford all parties to the dispute reasonable opportunity to make their submissions and to produce any relevant Signature verification. Compliance audit. Disputes between a service provider and a consumer.
10 10 [S.L ELECTRONIC COMMERCE (GENERAL) information: Provided that the Authority may decide not to initiate an investigation in accordance with this regulation where it is satisfied that other means of resolving the dispute in a timely manner are available to the parties, or if legal proceedings in relation to the dispute have been initiated by any party to the dispute, or if another public authority is already investigating the same dispute. (3) The Authority in resolving any disputes referred to it under this regulation, may issue directives to the service provider requiring that service provider to comply with any measure the Authority may specify for the resolution of the dispute. Such directives may, having regard to its determination of the dispute and to all other relevant matters, include an order to effect the reimbursement of payments received or to make compensation payments. Such payments may also include the whole or part of the costs of any party relating to the engagement of a lawyer and, or of a technical adviser in relation to any submissions relating to the dispute. (4) The Authority shall make publicly available any administrative procedures it may from time to time establish in relation to the handling of any disputes referred to it under this regulation. (5) The provisions of this regulation shall be without prejudice to the right of the consumer to have recourse, in accordance with Maltese law, to any other body empowered to resolve any such disputes and, or to any out-of-court dispute resolution processes, however so described. (6) In issuing a decision under this regulation, the Authority shall state the reasons on which it is based, and shall, subject to such requirements of commercial confidentiality as it may deem appropriate, notify the parties to the dispute with a copy of the decision. (7) The Authority shall publish notice of a decision given under this regulation and shall indicate where copies of, or information regarding the decision, may be obtained. Issue of a compliance order. L.N. 180 of (1) Where the Authority feels it is reasonably appropriate or necessary for the protection of consumers, it may, of its own initiative or on a written application to it by a qualified entity, issue a compliance order against a service provider or any other person for one or more of the following purposes: requiring any person to take any measures specified in the compliance order, within the time specified in the order to ensure that the provisions of the Act and, or the provisions of these regulations are complied with; requiring any person to cease and desist from committing a breach of the Act and, or of these regulations. (2) The Authority shall when issuing a compliance order under this regulation:
11 (c) ELECTRONIC COMMERCE (GENERAL) [S.L notify a copy of the compliance order on each person against whom the order is made; include with the compliance order, information about the right to contest the order before the Tribunal; and briefly state the reasons for issuing the compliance order, which reasons shall be notified to each person against whom the order is issued and, if any, to the qualifying body on whose application the order is issued. (3) No precautionary warrant or other similar order under this or any other law shall be issued by the Tribunal or by any court or tribunal restraining or restricting the Authority from issuing a compliance order under these regulations. 16. (1) Where a qualified entity wishes to seek a compliance order, it shall submit a written application to the Authority, whereby it must satisfy the Authority that it tried to achieve the cessation of the infringement in consultation with either the party against whom the order is being sought or with both such a party and another qualified entity of the Member State in which the order or a similar injunction is being sought: Provided that the Authority shall only consider a written application if the qualified entity shows to the satisfaction of the Authority that the cessation of the infringement was not achieved within two weeks after the request for consultation was received. (2) Where the qualified entity is from another Member State, the Authority shall treat the list of qualified entities published by the Commission as conclusive proof of the legal capacity of the legal entity to present such written application in Malta. (3) The Authority shall, at the request of a qualified entity from Malta, communicate to the Commission the name and objects of such an entity and that such qualified entity should be added to the list of qualified entities so as to facilitate the redress of intercommunity infringements. (4) Before proceeding with the issue of a compliance order under regulation 15, the Authority shall, if it considers it to be possible and reasonable to do so, seek first to achieve voluntary compliance by the service provider and other persons involved, in accordance with the Act, these regulations or any other law dealing with consumer protection. 17. (1) It shall be at the discretion of the Authority whether or not to issue a compliance order after a written request by a qualified entity has been made to it in terms of regulation 15 of these regulations. (2) If the Authority decides not to issue a compliance order after an application has been made to it by a qualified entity, the Authority shall, within two days from the date of its decision not to issue an order as sought, notify in writing the qualified entity and the persons against whom the compliance order is sought with its decision stating the reasons thereof. Application for compliance orders by qualified entities. Discretion of the Authority to issue a compliance order. L.N. 180 of 2012.
12 12 [S.L ELECTRONIC COMMERCE (GENERAL) (3) A qualified entity may within fifteen days from when it notifies the Authority in writing with a request for the issue of a compliance order, apply to the Tribunal requesting the Tribunal to order the Authority to issue a compliance order under regulation 15. The person against whom the order is requested and the Authority shall be parties to the proceedings before the Tribunal, and it shall be the duty of the qualified entity to notify such other parties accordingly. Compliance order to take immediate effect. Appeal from a compliance order. L.N. 180 of Cap Cases to be heard and determined with urgency. L.N. 180 of No need to prove actual loss, etc. 18. A compliance order issued by the Authority shall come into force with immediate effect. 19. (1) A person against whom a compliance order has been made, may, within fifteen days, from receipt of notification of the compliance order, appeal in writing to the Tribunal for the revocation or amendment of the compliance order, giving detailed grounds for the request. The Authority and where appropriate any qualifying entity that may have requested the issue of the compliance order, shall be notified with the appeal and shall have fifteen days from the date when they are notified with the appeal in which to reply. (2) The Tribunal may confirm, change or cancel the compliance order as it considers appropriate, provided that in doing so the Tribunal shall in all instances state its reasons. (3) Where an appeal is instituted under this regulation, the compliance order shall remain in force unless the Tribunal, at the request of the party contesting the order, specifically orders that the compliance order shall be stayed pending the outcome of the appeal, subject to such conditions and amendments to the order as the Tribunal may determine. (4) Subject to the provisions of this regulation, the provisions of Part VIII of the Malta Communications Authority Act and of any regulations made thereunder shall govern any appeals to the Tribunal. 20. Appeals instituted under regulations 17 and 19 shall be heard and determined by the Tribunal with urgency and as expeditiously as possible: Provided that the Tribunal at the request of any of the parties to the proceedings before it, may abridge any time limits established under these regulations in relation to the conduct of the appeal before it. 21. The Authority when issuing a compliance order under these regulations, shall not be required to prove: actual loss or damage; or actual recklessness, negligence or fault on the part of the service provider or person against whom the order is made.
13 ELECTRONIC COMMERCE (GENERAL) [S.L Without prejudice to the powers of the Authority and other enforcement authorities under these regulations or under any other law, the Authority may, in accordance with its powers under Part VII of the Malta Communications Authority Act, take any such enforcement action as it may consider appropriate to ensure compliance with the provisions of the Act and of regulations 5, 6, 8, 11 and 15 of these regulations and, or to cease and desist from any intra-community infringement and, or from any infringement of the Act and, or of these regulations, and in particular may impose an administrative fine on any person who fails to comply accordingly: Provided that any such fine that the Authority may decide to impose in accordance with this regulation, shall not exceed twenty-three thousand and two hundred and ninety-three euro and seventy-three cents ( 23,293.73) for each breach, and, or four hundred and sixty-five euro and eighty-seven cents ( ) for each day during which such breach persists: Provided further that in taking any measure in accordance with this regulation, the Authority may, where it considers appropriate, give any such publicity as to any such measure as it may consider appropriate in the circumstances. 23. (1) Without prejudice to any other powers it has at law, the Authority may, in writing, order any person to cease and desist from committing any intra-community infringement and, or from acting in breach of any of the provisions of the Act, and, or of these regulations. (2) The Authority may, in issuing an order under subregulation (1), require the person concerned to provide the Authority with a written undertaking whereby that person agrees to cease and desist from any such breach and which undertaking shall include any conditions as the Authority may consider necessary in the circumstances. (3) A person who makes a undertaking in accordance with this regulation and who subsequently acts in breach of any conditions stated in the undertaking, shall be liable to the imposition of an administrative fine by the Authority not exceeding the sum of twenty-three thousand and two hundred and ninety-three euro and seventy-three cents ( 23,293.73) and, or four hundred and sixtyfive euro and eighty-seven cents ( ) for each day during the failure to comply with the undertaking persists. 24. (1) The Authority may, for the better information of the public, require the service provider or person against whom the compliance order has been issued, at their expense to communicate in any manner the Authority considers appropriate, including publication in at least two daily newspapers: a copy in full or in part - (i) of a compliance order made under regulation 15 and, or (ii) a copy of an undertaking given under regulation 23, Enforcement by the Authority. L.N. 426 of Cap Issue of undertakings. L.N. 426 of Authority may require publication.
14 14 [S.L ELECTRONIC COMMERCE (GENERAL) or an abstract of any such order and, or of any such undertaking; and, or a corrective statement in relation to any contravention of the Act and, or of these regulations. (2) Any communications required in terms of subregulation (1) must be made within seven days from receipt of a notice issued by the Authority requiring the service provider or person concerned to make any such communications. Where the said communications are not effected as aforesaid, the Authority may proceed to issue the communications itself and any expenses incurred by the Authority in issuing any communications made by it in accordance with the provisions of this regulation, shall be recoverable as a civil debt from the service provider or person against whom the compliance order was issued. Right of appeal. L.N. 180 of Consultation with and by other enforcement authorities. Non-applicability of certain regulations to the activities or areas listed in the Fifth Schedule of the Act. 25. Any person aggrieved by a decision however so described taken by the Authority in accordance with these regulations and having a legal interest to contest such a decision may appeal to the Tribunal: Provided that in the case of a contestation of any matter relating to the issue of a compliance order as provided for in these regulations, the procedures as stated in regulations 17 and 19 shall apply. 26. (1) The Authority may request the advice of and where appropriate shall consult with any other enforcement authority in the exercise of any of its functions under these regulations. (2) In acting in accordance with any of the provisions of these regulations, an enforcement authority shall, in all instances, first consult and act in co-ordination with the Authority. 27. Regulations 3, 4, 5, 6, 7 and 8 shall not apply to the activities or areas listed in the paragraphs,, (c) and (d) of the Fifth Schedule to the Act.
15 ELECTRONIC COMMERCE (GENERAL) [S.L SCHEDULE Regulation 3(4) 1. To the extent that the following national laws implement the Directives referred to in the Annex to the Electronic Commerce Directive namely: (i) (ii) the Copyright Act (Cap. 415), and the Patents and Designs Act (Cap. 417) insofar as these laws relate to copyright, neighbouring rights, rights referred to in Directive 87/54/EEC and Directive 96/9/EC as well as industrial property rights; Article 5 of the Banking Act (Cap. 371) insofar as it relates to the emission of electronic money by institutions in respect of which Member States applied one of the derogations provided for in article 8(1) of Directive 2000/46/EC; (iii) Undertakings for Collective Investment in Transferable Securities and Management Companies Regulations, 2004 (Legal Notice 207 of S.L ); (iv) European Passport Rights for Insurance Undertakings Regulations, 2004 (Legal Notice 89 of S.L ). 2. The freedom of the parties to a contract to choose the applicable law. 3. Contractual obligations concerning consumer contracts. 4. Formal validity of contracts creating or transferring rights in real estate where such contracts are subject to mandatory formal requirements of the law of the Member State where the real estate is situated. 5. The permissibility of unsolicited commercial communications by electronic mail.
This is an official translation. The original Icelandic text published in the Law Gazette is the authoritative text. Merchants and Trade - Act No 28/2001 on electronic signatures Chapter I Objectives and
SOCIAL WORK PROFESSION [CAP. 468. 1 CHAPTER 468 SOCIAL WORK PROFESSION ACT To make provision for the regulation of the social work profession and to provide for matters connected therewith or ancillary
APPENDIX TO ANNEX B Comparative Table Business Registration Act (Cap. 32, 2004 Ed.) Business Names Registration Bill 2014 PART I PRELIMINARY Short title 1. This Act may be cited as the Business Registration
NEW YORK CITY FALSE CLAIMS ACT Administrative Code 7-801 through 7-810 * 7-801. Short title. This chapter shall be known as the "New York city false claims act." 7-802. Definitions. For purposes of this
ELECTRONIC COMMERCE AND ELECTRONIC SIGNATURE ACT (ZEPEP-UPB1) (Official consolidated text) On basis of article 153 of the National Assembly of Slovenia Rules of Procedure the National Assembly of the Republic
Qualified Electronic Signatures Act (SFS 2000:832) The following is hereby enacted 1 Introductory provision 1 The purpose of this Act is to facilitate the use of electronic signatures, through provisions
LAW ON ELECTRONIC SIGNATURE (Official Gazette of the Republic of Montenegro 55/03 and 31/05) I GENERAL PROVISIONS Article 1 This Law shall regulate the use of electronic signature in legal transactions,
BELIZE LIMITED LIABILITY PARTNERSHIP ACT CHAPTER 258 REVISED EDITION 2003 SHOWING THE SUBSTANTIVE LAWS AS AT 31ST MAY, 2003 This is a revised edition of the Substantive Laws, prepared by the Law Revision
ELECTRONIC SIGNATURE LAW Purpose (Published in the Official Journal No 25355, 2004-01-23) CHAPTER ONE Purpose, Scope and Definitions Article 1 The purpose of this Law is to regulate the legal and technical
EDUCATION [CAP. 327. 13 within two months from the date on which the decision refusing the application was notified to the applicant or from the date of the lapse of the period of three months mentioned
Claims Management Services Regulation Conduct of Authorised Persons Rules 2013 (2) Effective from 8 July 2013 Contents Introduction 1 Definitions 1 General Rules Principles 2 Conduct of Business 2 Professional
Option Table - Directive on Statutory Audits of Annual and Consolidated Accounts The purpose of this document is to highlight the changes in the options available to Member States and Competent Authorities
NB: Unofficial translation; legally binding texts are those in Finnish and Swedish Act on Strong Electronic Identification and Electronic Signatures (617/2009) Chapter 1 General provisions Section 1 Scope
ACCReDITATION COuNCIL OF TRINIDAD AND TOBAGO ACT ChAPTeR 39:06 Act 16 of 2004 Amended by 16 of 2007 10 of 2008 Current Authorised Pages Pages Authorised (inclusive) by 1 8.. 9 16.. 17 19.. 2 Chap. 39:06
.eu Domain Name Registration Terms and Conditions 1/15 TABLE OF CONTENTS Table of Contents... 2 Definitions...... 3 Object and Scope... 5 Section 1. Eligibility Requirements... 5 Section 2. First Come,
UNOFFICIAL CONSOLIDATION AND TRANSLATION OF LAWS 128(I) OF 2009 AND 52(I) OF 2010 THE PAYMENT SERVICES LAWS OF 2009 TO 2010 This translation and consolidation of laws is not official. It has been prepared
REPUBLIC OF CYPRUS INTERNATIONAL COLLECTIVE INVESTMENT SCHEMES LAW (No 47(I) of 1999) English translation prepared by The Central Bank of Cyprus ARRANGEMENT OF SECTIONS PART I PRELIMINARY AND GENERAL Section
SUPPLEMENTARY INTERNAL RULES IMPLEMENTING REGULATION (EC) N 45/2001 IN RELATION TO THE DATA PROTECTION OFFICER 10 September 2009 page 1 / 8 SUPPLEMENTARY INTERNAL RULES IMPLEMENTING REGULATION (EC) N 45/2001
Unofficial translation The Saeima 1 has adopted and the President has proclaimed the following Law: THE INSURANCE CONTRACT LAW Chapter I GENERAL PROVISIONS Article 1. Definitions 1) sum insured - the amount
STATUTORY INSTRUMENTS 2002 No. 318 ELECTRONIC COMMUNICATIONS The Electronic Signatures Regulations 2002 Made - - - - - 13th February 2002 Laid before Parliament 14th February 2002 Coming into force - -
Number 27 of 2000 ELECTRONIC COMMERCE ACT, 2000 ARRANGEMENT OF SECTIONS PART 1 Preliminary and General Section 1. Short title and commencement. 2. Interpretation. 3. Regulations. 4. Laying of orders and
OBJECTS AND REASONS This Bill would provide for (a) the regulation of the collection, keeping, processing, use or dissemination of personal data; (b) the protection of the privacy of individuals in relation
ELECTRONIC SIGNATURE LAW (Published in the Official Gazette ref 25355, 2004-01-23) SECTION ONE Purpose, Scope and Definitions Purpose Article 1 The purpose of this Law is to define the principles for the
CARRYING ON BUSINESS OF INSURANCE) [S.L.386.10 1 SUBSIDIARY LEGISLATION 386.10 COMPANIES ACT (CELL COMPANIES CARRYING ON BUSINESS OF INSURANCE) REGULATIONS LEGAL NOTICE 243 of 2010. 30th April, 2010 1.
Disclaimer : Text of this Act/Bill/Rules is provided for information only. We undertake no responsibility for any errors/mistakes in the same. Please refer to the Gazette of India for the authentic text.
AND FUNDING OF TERRORISM [S.L.373.01 1 SUBSIDIARY LEGISLATION 373.01 PREVENTION OF MONEY LAUNDERING AND FUNDING OF TERRORISM REGULATIONS 31st July, 2008 LEGAL NOTICE 180 of 2008, as amended by Legal Notices
Comments and proposals on the Chapter IV of the General Data Protection Regulation Ahead of the trialogue negotiations later this month, EDRi, Access, Panoptykon Bits of Freedom, FIPR and Privacy International
Background to and purpose of the Act PERSONAL INSOLVENCY ACT 2012 EXPLANATORY MEMORANDUM The Act provides for the reform of personal insolvency law and will introduce the following new non-judicial debt
Federal Electronic Signature Law (Signature Law - SigG) Section l Purpose and definitions Purpose and scope 1. (1) The present federal law sets out the legal framework governing the creation and use of
Unrevised translation The Electronic Signatures Act of 15 June 2001 no. 81 (last revision 17 June 2005) (Unofficial translation. Norwegian Post and Telecommunications Authority (NPT) is without any responsibilities
CARRYING ON BUSINESS OF INSURANCE) [S.L.386.10 1 SUBSIDIARY LEGISLATION 386.10 COMPANIES ACT (CELL COMPANIES CARRYING ON BUSINESS OF INSURANCE) REGULATIONS 30th April, 2010 LEGAL NOTICE 243 of 2010, as
No. 248/71 (4) Regulation for the Provision of Electronic Signature Certification Services THE HELLENIC TELECOMMUNICATIONS & POST COMMISSION (EETT) Taking into account: a. Law No. 2867/2000 "Organization
BERMUDA 1999 : 26 ELECTRONIC TRANSACTIONS ACT 1999 [Date of Assent 5 August 1999] [Operative Date 4 October 1999] ARRANGEMENT OF SECTIONS 1 Citation PART I PRELIMINARY 2 Definitions 3 Crown to be bound
CHAPTER 16 COMPETITION POLICY Article 16.1: Competition Law and Authorities and Anticompetitive Business Conduct 1 1. Each Party shall adopt or maintain national competition laws that proscribe anticompetitive
A Guide to the Financial Services Regulations Contents Chapter 1 2 Introduction to the Financial Services Regulations Legislative Background Chapter 2 3 Overview of FSR Regulated Activities Authorisation
2013 Authorisation Requirements and Standards for Debt Management Firms 2 Contents Authorisation Requirements and Standards for Debt Management Firms Contents Chapter Part A: Authorisation Requirements
Law Governing Framework Conditions for Electronic Signatures and Amending Other Regulations inofficial version for industry consultation for official German text please refer to the Official Journal (Bundesgesetzblatt
VERŻJONI ELETTRONIKA B 1579 Suppliment tal-gazzetta tal-gvern ta Malta Nru. 18,412, 30 ta April, 2009 Taqsima B L.N. 138 of 2009 FINANCIAL MARKETS ACT (CAP. 345) Central Securities Depository (Authorisation
Standard conditions of purchase 1 OFFER AND ACCEPTANCE 2 PROPERTY, RISK & DELIVERY 3 PRICES & RATES The Supplier shall provide all Goods and Services in accordance with the terms and conditions set out
CONTENT BILLING GATEWAY COLLABORATIVE CONTRACT CONTRACT NO [ ] Supplier: Company name Address Organisation registration nummer Telephone number Telefax number Company name Organisation registration number
C 1165 A Bill entitled AN ACT to provide for the treatment of persons in possession of small quantities of prohibited drugs for personal use and for other measures for the rehabilitation of persons suffering
Act CLXV of 2013 on Complaints and Public Interest Disclosures The National Assembly, committed to increasing public confidence in the functioning of public bodies, recognising the importance of complaints
Bill No. 41/02 Payment and Settlement Systems (Finality and Netting) Bill Read the first time on 31st October 02. PAYMENT AND SETTLEMENT SYSTEMS (FINALITY AND NETTING) ACT 02 (No. of 02) ARRANGEMENT OF
At a Tynwald held in Douglas, Isle of Man, the 21st day of October in the fifty-seventh year of the reign of our Sovereign Lady ELIZABETH THE SECOND by the Grace of God of the United Kingdom of Great Britain
Claims Management Services Regulation Conduct of Authorised Persons Rules 2014 Effective from 1 October 2014 Contents Introduction 1 Definitions 1 General Rules Principles 2 Conduct of Business 2 Professional
QUO FA T A F U E R N T BERMUDA ELECTRONIC TRANSACTIONS ACT 1999 1999 : 26 TABLE OF CONTENTS 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Citation Definitions Crown to be bound Objects Regulatory policy
LEGISLATION COMMITTEE OF THE CROATIAN PARLIAMENT 2300 Pursuant to its authority from Article 59 of the Rules of Procedure of the Croatian Parliament, the Legislation Committee determined the revised text
Republic of Albania National Authority for Electronic Certification Guidelines for the use of electronic signature Guide Nr. 001 September 2011 Version 1.3 Guidelines for the use of electronic signature
BELIZE LIMITED LIABILITY PARTNERSHIP ACT CHAPTER 258 REVISED EDITION 2000 SHOWING THE LAW AS AT 31ST DECEMBER, 2000 This is a revised edition of the law, prepared by the Law Revision Commissioner under
S T A T U T O R Y I N S T R U M E N T S 2015 No. 1945 FINANCIAL SERVICES AND MARKETS The Small and Medium Sized Business (Credit Information) Regulations 2015 Made - - - - 26th November 2015 Coming into
STATUTORY INSTRUMENTS 2004 No. 2095 FINANCIAL SERVICES AND MARKETS The Financial Services (Distance Marketing) Regulations 2004 Made - - - - 4th August 2004 Laid before Parliament 5th August 2004 Coming
General Terms of Public Procurement in Service Contracts January 2015 Contents Introduction...3 Issues to be observed in applying...5 General Terms of Public Procurement in Service Contracts ()...9 1 Definitions...9
Legal Supplement Part A to the Trinidad and Tobago Gazette, Vol. 50, No. 61, 3rd May, 2011 First Session Tenth Parliament Republic of Trinidad and Tobago REPUBLIC OF TRINIDAD AND TOBAGO Act No. 6 of 2011
Gas Supplier Agreement between the Distribution Company and the Gas Supplier (Version 2.0) Valid as from 6th June 2012 Non-binding translation TABLE OF CONTENTS 1. PARTIES TO THE AGREEMENT... 3 2. PURPOSE...
LEGAL SCHEME REGULATIONS These Regulations came into force on 1 July 2014. 1 Introduction 1.1 These Regulations govern the Union s legal Scheme. The Rules of the Union set out your other rights and entitlements.
THE LIMITED LIABILITY PARTNERSHIP BILL 2010 ARRANGEMENT OF CLAUSES 1 Short title and commencement. 2 Interpretation. PART I PRELIMINARY Clause PART II REGISTRAR AND REGISTRAR OF LIMITED LIABILITY PARTNERSHIPS
Draft Regulations to illustrate the Treasury s current intention as to the exercise of powers under clause 4 of the the Small Business, Enterprise and Employment Bill. D R A F T S T A T U T O R Y I N S
Act on Insurance Mediation and Reinsurance Mediation The full wording of Act No. 340/2005 Coll. dated 23 June 2005 on insurance mediation and resinsurance mediation and on amendments to certain laws, as
LAW no. 455 on July 18, 2001 on electronic signature The Parliament of Romania adopts this law. CHAPTER I: General Provisions SECTION 1: General Principles Art. 1. This law regulates the legal status of
Draft Regulations to illustrate the Treasury s current intention as to the exercise of powers under clause 5 of the Small Business, Enterprise and Employment Bill. D R A F T S T A T U T O R Y I N S T R
LAWS OF KENYA NATIONAL PAYMENT SYSTEM ACT No. 39 of 2011 Revised Edition 2012  Published by the National Council for Law Reporting with the Authority of the Attorney-General www.kenyalaw.org [Rev.
Align Technology Data Protection Binding Corporate Rules Controller Policy Contents INTRODUCTION 3 PART I: BACKGROUND AND ACTIONS 4 PART II: CONTROLLER OBLIGATIONS 6 PART III: APPENDICES 13 2 P a g e INTRODUCTION
ISO LESO NETWORK PROVIDER AGREEMENT Between: EACH OPTOMETRIC PRACTICE AND OPTOMETRIST WHO ELECTS TO PARTICIPATE IN THE PROVIDER AGREEMENTS ALREADY ENTERED INTO OR TO BE ENTERED INTO BETWEEN ISO LESO OPTICS
REQUEST FOR QUOTATION/ PURCHASE ORDER Conditions of Contract- Services These Conditions may be varied only by the written agreement of the Council. No terms or conditions put forward at any time by the
AGREEMENT OF ADHERENCE TO THE OPERATION RULES OF THE ELECTRIC POWER PRODUCTION MARKET THIS AGREEMENT IS MADE AND ENTERED INTO BY AND BETWEEN THE COMPAÑÍA OPERADORA DEL MERCADO ESPAÑOL DE ELECTRICDAD, S.A.
ICC UNIFORM RULES FOR CONTRACT BONDS issued as ICC publication No. 524, adopted by the ICC Executive Board on 23 April 1993, come into effect on 1 January 1994 Copyright 1993 International Chamber of Commerce.
Consolidated Insurance Mediation Act 1 Act no. 401 of 25 April 2007 Consolidated Act no. 401 of 25 April 2007 This is an Act to consolidate the Insurance Meditation Act, cf. Consolidated Act no. 817 of
THE PAYMENT AND SETTLEMENT SYSTEMS ACT, 2007 # NO. 51 OF 2007 $ [20th December, 2007.] + An Act to provide for the regulation and supervision of payment systems in India and to designate the Reserve Bank
Personal Data Act (1998:204); issued 29 April 1998. Be it enacted as follows. General provisions Purpose of this Act Section 1 The purpose of this Act is to protect people against the violation of their
GENERAL TERMS AND CONDITIONS Contents A. SCOPE...3 B. CONFIDENTIALITY, NAME, INTELLECTUAL PROPERTY AND TAX EXEMPT STATUS OF THE WTO...3 B.1. Confidentiality...3 B.2. Use of the name, logo or official seal
Distance selling: sale of consumer goods over the internet or telephone etc Standard Note: SN/HA/5761 Last updated: 23 February 2012 Author: Section Lorraine Conway Home Affairs Section Many people shop
(28 February 2014 to date) [This is the current version and applies as from 28 February 2014, i.e. the date of commencement of the Financial Services Laws General Amendment Act 45 of 2013 to date] CREDIT
LAW ON PLEDGE OF MOVABLE ASSETS REGISTERED IN THE PLEDGE REGISTRY (Published in the Official Gazette of the Republic of Serbia No. 57/03, 61/05, 64/06) I. GENERAL PROVISIONS Subject Matter of the Law Art.
[PART 6 FINANCIAL STATEMENTS, ANNUAL RETURN AND AUDIT Chapter 1 Preliminary 269. What this Part contains and use of prefixes - Companies Act and IFRS. 270. Overall limitation on discretions with respect
ACTS SUPPLEMENT No. 4 18th March, 2011. ACTS SUPPLEMENT to The Uganda Gazette No. 19 Volume CIV dated 18th March, 2011. Printed by UPPC, Entebbe, by Order of the Government. Act 7 Electronic Signatures
CEIOPS-DOC-07/08 General Protocol relating to the collaboration of the insurance supervisory authorities of the Member States of the European Union March 2008 CEIOPS e.v. - Westhafenplatz 1 60327 Frankfurt
(As it has effect at 1st June 1999) Copyright Treasury of the Isle of Man Crown Copyright reserved The text of this legislation is subject to Crown Copyright protection. It may be copied free of charge
Boat retailers and brokers who are Members of the Boat Retailers and Brokers Association ( BRBA ), a Group Association of the British Marine Federation (BMF) must adhere to the following terms: 1. Standard