Contact: Monique Goyens

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Contact: Monique Goyens directorsoffice@beuc.eu"

Transcription

1 Cmparisn Websites Cntact: Mnique Gyens Ref.: X/2012/065-28/08/2012 BUREAU EUROPÉEN DES UNIONS DE CONSOMMATEURS AISBL DER EUROPÄISCHE VERBRAUCHERVERBAND Rue d Arln 80, B-1040 Brussels Tel. +32 (0) Fax +32 (0) EC register fr interest representatives: identificatin number

2 Summary This dcument summarises the requirements that cmparisn websites have t meet as a general rule in rder t adequately respnd t legitimate cnsumer expectatins. They cncern different aspects, such as : Transparency f business mdel Cverage Up-t-datedness Verifiability and reliability Accuracy Independence f the infrmatin prvider Clarity and user-friendliness Accessibility Reprting Supervisin. 2

3 Cmparisn websites BACKGROUND T take advantage f cmpetitive markets, cnsumers need t be equipped t shp arund in rder t btain the best deal. In this cntext, cmparisn websites ffer a huge ptential fr enhancing cnsumer access t infrmatin and hence cnsumer mbility. Cmparisn websites can therefre be a tl fr mre cmpetitive markets. This dcument prvides fr best practices that BEUC and its member rganisatins cnsider t be key fr cmparisn websites t deliver added-value t cnsumers. Cntext Mre and mre cmparisn websites exist n the internet and they are prmted as assisting cnsumers in their search fr the best ffer, by centralizing the infrmatin available frm different prviders, within a given cuntry r acrss the bard. There are therefre cnsidered t carry the ptential f enhanced cnsumer chice and als encuragement f crss-brder e-cmmerce. Cnsumers ften trust the infrmatin available n the internet and are nt aware that sme f this infrmatin, als that prduced by CW, can be biased fr different reasns. Therefre, in rder t prmte cnsumer trust in CW, it is essential that thse respect specific requirements that are listed belw. It is imprtant t distinguish cmparisn websites frm reviews, where cnsumers indicate their assessment f prducts r services: these web-pages, which are ften trusted by cnsumers, cause a lt f prblems f credibility: their validatin prcess is nt guaranteed, a lt f fake cnsumers participate t the prcess, the uplading f negative cmments is smetimes prevented. These types f shrtcmings lead t cnsumer detriment and put int questin the credibility f the mre serius websites. Therefre it is essential t als regulate and mnitr the respect f rules f cnsumer infrmatin, absence f misleading messages and unfair marketing practices fr thse web-pages. REQUIREMENTS FOR CONSUMER EMPOWERING CW Transparency n business mdel As already indicated, it is essential that the CW indicates in a prminent and easily understandable way t the cnsumer its different characteristics. This will allw cnsumers t assess the impartiality f the advice. the wnership f the CW (r sharehlders) the financing mdel (wh pays fr what service) Frequency f updating Gegraphic cverage Methdlgy (ranking factrs, surce f infrmatin.) 3

4 Cverage f sectr (all prviders, percentage f sectr cncerned, nly thse wh participate in the scheme, why sme prviders d nt participate in the scheme ) Cverage The mre exhaustive the website, in terms f prviders/prducts f the categry searched fr by the cnsumer, the mre extensive the cnsumer chice. Hwever, in sme sectrs, it is essential that this exhaustivity is cmbined with search and ranking factrs that will make it pssible fr the cnsumer t fcus n a specific segment that crrespnds t his expectatins. Hwever, it is imprtant nt t verfcus n the quantity f infrmatin, but t cncentrate n the infrmatin that meets the cnsumer s real needs and expectatins and its suitability shuld be gauged in line with specific purpse, cntent, presentatin and cntext. The ntin f cverage als extends t the gegraphical scpe f the CW: fr it t deliver ptential crss-brder benefits t cnsumers, it wuld be interesting t include ffers frm different cuntries. While it wuld be gd t highlight gd deals frm ther cuntries, CW can hwever nt be expected t prvide fr exhaustive listings in this cntext. Up-t-datedness The rapidity f internet implies that the cnsumer expects all infrmatin n line t be updated. It is therefre essential that the cnsumer is prminently infrmed abut frequency f updating as well as f last update Verifiability The infrmatin prvided by the CW must be easily verifiable by the cnsumer, i.e., via a link t the prvider cncerned, every time it is pssible. Accuracy A majr ranking factr being the price, it is essential t include as much as pssible the final price (charges, fees, delivery csts, taxes). Partitined pricing shuld be allwed nly in cases where it is nt pssible t prvide a general glbal price fr all searches. The key cncept in this respect is the cmparability : even if it is true that certain csts vary significantly depending n factrs such as the place f residence f the cnsumer, the delay fr delivery etc, there shuld always be a cmmn grund fr cmparisn (eg inclusin f the cheapest delivery cst). This f curse depends n the prduct sectr cncerned : in sme sectrs, like airline tickets, the final price shuld be displayed, while in sme ther sectrs, csts can vary significantly depending n where the cnsumer resides r n the delivery deadline. Als, if the default ranking takes place accrding t anther factr than the price (e.g. payment by prvider t be ranked high), this must be prminently displayed t the cnsumer. Exhaustivity A well functining CW must clearly state fr each ffer the main terms f subscriptin, fees and special clauses, and indicate clearly if they are unusual r burdensme. This infrmatin shuld be presented in a cmparable frmat fr all 4

5 ffers, t make it easy fr cnsumers t have an verview. 1 This element is key, because if t much emphasis is put n prices, cmpanies culd be tempted t lwer prices in rder t lk mre attractive n the website), by wrsening the ther terms f subscriptin, which the cnsumer will becme aware f nly afterwards. Als, price infrmatin shuld include discunts, as well as infrmatin n the terminatin date and cnditins fr the discunt. Independence The prvider f the cmparisn website must be independent frm the individual cmpanies that are surveyed n the site, in rder t prvide fr a nndiscriminatry verview f the market. Reliability Cnsumers must be able t trust the infrmatin that is prvided. The CW must in n way mislead the cnsumer as t the accuracy f the infrmatin displayed. Clarity and user-friendliness Fundamentally, the infrmatin prvided by the CW must be precise, relevant, understandable and readable. Difficult legal and technical cncepts must be avided wherever pssible. The CW must be displayed in a way that infrms the cnsumer clearly abut the main features f the CW and the cmparisn it prvides. In this respect, it is essential that user-interfaces be built in a user-friendly way, and in ways that actually seem appealing fr users and facilitate nn-experienced users t interact with the website. Accessible als t vulnerable cnsumers CW must use technical features that enable visually impaired r ther disadvantaged cnsumers t use the device, in line with the WCAG standards (web cntent accessibility guidelines). Als, it is imprtant t make cmparative infrmatin available fr cnsumers that d nt have access t the internet fr free r at a minimal cst (regular printed reprts, printed versin sent n request, by telephne, etc.) Reprting When a cmparisn has taken place and is limited in time, a reprt shuld be made available t the different prviders and t market authrities in rder t check methdlgy and market cverage. When a cmparisn is unlimited in time, regular reprts shuld be made available, at least n a mnthly basis, n methdlgy and market cverage. Supervisin Supervisry authrities, either in charge f general cnsumer prtectin plicy r mre sectr specific, such as in telecms r in the energy sectr, shuld practively mnitr the respect f these cnditins in rder t enhance cnsumer trust in the infrmatin prvided by CW. 1 A red triangle is used in the Danish Electricity Price Prtal t indicate that an usual term f subscriptin is part f the ffer. The cnsumer can check by clicking the symbl, what this term is. 5

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs Guide t Business Cash Advance & Bank Statement Lan Prgrams Cash Advances: $2,500 - $1,000,000 Business Bank Statement Lans: $5,000 - $500,000 Canada Cash Advances: $5,000 - $500,000 (must have 9 mnths

More information

HOW TO SELECT A LIFE INSURANCE COMPANY

HOW TO SELECT A LIFE INSURANCE COMPANY HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

Watlington and Chalgrove GP Practice - Patient Satisfaction Survey 2011

Watlington and Chalgrove GP Practice - Patient Satisfaction Survey 2011 Watlingtn and Chalgrve GP - Patient Satisfactin Survey 2011 Backgrund During ne week in Nvember last year patients attending either the Chalgrve r the Watlingtn surgeries were asked t cmplete a survey

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

QBT - Making business travel simple

QBT - Making business travel simple QBT - Making business travel simple In business travel, cmplexity csts. S, we ffer less f it. We adpt the latest technlgy and make it simple, transparent and highly persnal. S yu get mre f what yu need

More information

Travel Insurance. Is your insurance company listening to you? Handbook on

Travel Insurance. Is your insurance company listening to you? Handbook on Is yur insurance cmpany listening t yu? If yur cmplaints have nt been addressed by yur insurance cmpany, please cntact t register yur cmplaints and track their status r yu may email us at cmplaints@irda.gv.in

More information

Internet and E-Mail Policy User s Guide

Internet and E-Mail Policy User s Guide Internet and E-Mail Plicy User s Guide Versin 2.2 supprting partnership in mental health Internet and E-Mail Plicy User s Guide Ver. 2.2-1/5 Intrductin Health and Scial Care requires a great deal f cmmunicatin

More information

Data Protection Policy & Procedure

Data Protection Policy & Procedure Data Prtectin Plicy & Prcedure Page 1 Prcnnect Marketing Data Prtectin Plicy V1.2 Data prtectin plicy Cntext and verview Key details Plicy prepared by: Adam Haycck Apprved by bard / management n: 01/01/2015

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy WHAT YOU NEED TO KNOW ABOUT Prtecting yur Privacy YOUR PRIVACY IS OUR PRIORITY Credit unins have a histry f respecting the privacy f ur members and custmers. Yur Bard f Directrs has adpted the Credit Unin

More information

Cornwall Partners in Care

Cornwall Partners in Care Crnwall Partners in Care Mving Frward Versin 2.0 8 th January 2014 By Richard Mnk Crnwall Partners in Care August 2013 Page 1 f 6 CPIC mving frward This dcument has been created t help prvide a little

More information

Summary of online survey on contributions

Summary of online survey on contributions Summary f nline survey n cntributins Frm June 20 th t July 14 th an nline-based cnsultatin was pened fr feedback n key questins cncerning the legal acts fr cntributins f credit institutins t reslutin financing

More information

Equal Pay Audit 2014 Summary

Equal Pay Audit 2014 Summary Equal Pay Audit 2014 Summary Abut the dcument The fllwing summary is an abridged versin f Ofcm s equal pay audit 2014. In the full versin f the reprt we set ut ur key findings, cmment n any issues arising

More information

Software Quality Assurance

Software Quality Assurance Sftware Quality Assurance Is it the same as Testing? Teji Chpra, Senir Test Cnsultant Planit Sftware Testing Abstract This paper attempts t dispel sme cmmn miscnceptins regarding the rles f Testing and

More information

The Importance of Market Research

The Importance of Market Research The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which

More information

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES REFERENCES AND RELATED POLICIES A. UC PPSM 2 -Definitin f Terms B. UC PPSM 12 -Nndiscriminatin in Emplyment C. UC PPSM 14 -Affirmative

More information

Data Protection Act Data security breach management

Data Protection Act Data security breach management Data Prtectin Act Data security breach management The seventh data prtectin principle requires that rganisatins prcessing persnal data take apprpriate measures against unauthrised r unlawful prcessing

More information

Licensing the Core Client Access License (CAL) Suite and Enterprise CAL Suite

Licensing the Core Client Access License (CAL) Suite and Enterprise CAL Suite Vlume Licensing brief Licensing the Cre Client Access License (CAL) Suite and Enterprise CAL Suite Table f Cntents This brief applies t all Micrsft Vlume Licensing prgrams. Summary... 1 What s New in This

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

Personal Data Security Breach Management Policy

Personal Data Security Breach Management Policy Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner

More information

Table of Contents. This document is for informational purposes only. MICROSOFT MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY.

Table of Contents. This document is for informational purposes only. MICROSOFT MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY. Table f Cntents Tp Pricing and Licensing Questins... 2 Why shuld custmers be excited abut Micrsft SQL Server 2012?... 2 What are the mst significant changes t the pricing and licensing fr SQL Server?...

More information

Phi Kappa Sigma International Fraternity Insurance Billing Methodology

Phi Kappa Sigma International Fraternity Insurance Billing Methodology Phi Kappa Sigma Internatinal Fraternity Insurance Billing Methdlgy The Phi Kappa Sigma Internatinal Fraternity Executive Bard implres each chapter t thrughly review the attached methdlgy and plan nw t

More information

THE MICROFINANCE ASSOCIATION Training Programme London, UK

THE MICROFINANCE ASSOCIATION Training Programme London, UK THE MICROFINANCE ASSOCIATION Training Prgramme 2016 Lndn, UK The Micrfinance Asscatin, Science and Innvatin Centre, NUCLEUS Brunel Way, DA1 5GA, United Kingdm Tel: +44 (0) 1322 312078 ade@micrfinanceaassciatin.rg

More information

CCPRF. Request for Proposals. Monitoring Services. November 25, 2009

CCPRF. Request for Proposals. Monitoring Services. November 25, 2009 CCPRF Request fr Prpsals Mnitring Services Nvember 25, 2009 Table f Cntents SECTION I... 1 1.1 INTRODUCTION AND OPPORTUNITY... 1 1.2 OBJECTIVES OF RFP... 1 1.3 STATEMENT OF WORK... 1 SECTION II... 2 2.1

More information

NHPCO Guidelines for Using CAHPS Hospice Survey Results

NHPCO Guidelines for Using CAHPS Hospice Survey Results Intrductin NHPCO Guidelines fr Using CAHPS Hspice Survey Results The Centers fr Medicare and Medicaid Services (CMS) has develped the Cnsumer Assessment f Healthcare Prviders and Systems (CAHPS ) Hspice

More information

Municipal Advisor Registration

Municipal Advisor Registration FACT SHEET Municipal Advisr Registratin SEC Open Meeting Sept. 18, 2013 The Securities and Exchange Cmmissin tday will cnsider whether t adpt a rule that wuld establish a permanent registratin regime fr

More information

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear 7 Octber 2011 Re: Themed Inspectin int Third Party Persnal Injury Claims Dear During 2011 the Central Bank f Ireland ( Central Bank ) undertk a themed inspectin prject in relatin t the prcessing f third

More information

Guidelines on Data Management in Horizon 2020

Guidelines on Data Management in Horizon 2020 Guidelines n Data Management in Hrizn 2020 Versin 1.0 11 December 2013 Guidelines n Data Management in Hrizn 2020 Versin 16 December 2013 Intrductin In Hrizn 2020 a limited pilt actin n pen access t research

More information

White Paper on Business Process Outsourcing in Automotive Industry

White Paper on Business Process Outsourcing in Automotive Industry White Paper n Business Prcess Outsurcing in Autmtive Industry Intrductin As autmtive industry is stepping int a market landscape which is favrable t it, there is untapped market ptential which is critically

More information

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate August 7, 2009 Cmparisn f the Cverage Prvisins in the Affrdable Health Chices Act as Apprved by the Senate HELP Cmmittee and the Huse Tri-Cmmittee Bill, H.R. 3200, America s Affrdable Health Chices Act

More information

HUMAN RESOURCE DEVELOPMENT FOR ADJUSTMENT AT THE ENTERPRISE LEVEL

HUMAN RESOURCE DEVELOPMENT FOR ADJUSTMENT AT THE ENTERPRISE LEVEL INTERNATIONAL LABOUR ORGANISATION ACT/EMP PUBLICATIONS [Tp] HUMAN RESOURCE DEVELOPMENT FOR ADJUSTMENT AT THE ENTERPRISE LEVEL Training Prgramme (Edited by C.S. Venkata Ratnam) [Next] Table f Cntents Intrductin

More information

OUR DISCIPLINARY POLICY

OUR DISCIPLINARY POLICY OUR DISCIPLINARY POLICY WHO is this plicy fr? Channel 4 emplyees wh ve passed their prbatinary perid Channel 4 managers This plicy des nt frm part f any emplyee s cntract f emplyment and we may amend it

More information

G-Cloud 5 Pricing. Electronic Invoicing and Supplier Financing Solution

G-Cloud 5 Pricing. Electronic Invoicing and Supplier Financing Solution G-Clud 5 Pricing Electrnic Invicing and Supplier Financing Slutin April 2014 Taulia G-Clud 5 Pricing Electrnic Invicing & Supplier Financing TAULIA UK Ltd. CONFIDENTIAL & PROPRIETARY INFORMATION INFORMATION

More information

Framework Agreement between the Department of Health and Public Health England. Annex C: Public-Facing Communications

Framework Agreement between the Department of Health and Public Health England. Annex C: Public-Facing Communications Framewrk Agreement between the Department f Health and Public Health England Annex C: Public-Facing Cmmunicatins Framewrk Agreement between the Department f Health and Public Health England: Annex C Annex

More information

St Andrews Christian College BOARD CONFLICT OF INTEREST POLICY

St Andrews Christian College BOARD CONFLICT OF INTEREST POLICY St Andrews Christian Cllege BOARD CONFLICT OF INTEREST POLICY April 2011 St Andrews Christian Cllege 2 Bard Cnflict f Interest Plicy Plicy Dcument Infrmatin Plicy Name Bard Cnflict f Interest Plicy Authr/Supervisr

More information

Getting Followers to Follow After a Sale

Getting Followers to Follow After a Sale Getting Fllwers t Fllw After a Sale 12 December 2014 Overview Scial media is a phenmenn that is gaining mmentum in ppularity by the day. Scial media prviders (SMPs) prvide services that allw users t interact

More information

March 1, 2012. VIA E-mail to fcs-scf@fin.gc.ca

March 1, 2012. VIA E-mail to fcs-scf@fin.gc.ca March 1, 2012 VIA E-mail t fcs-scf@fin.gc.ca Ms. Leah Andersn Directr, Financial Sectr Divisin Department f Finance L Esplanade Laurier 20 th Flr, East Twer 140 O Cnnr Street Ottawa, ON K1A 0G5 Dear Ms.

More information

Stafford and Surrounds Clinical Commissioning Group 360 Stakeholder Survey summary report

Stafford and Surrounds Clinical Commissioning Group 360 Stakeholder Survey summary report Staffrd and Surrunds Clinical Cmmissining Grup 360 Stakehlder Survey summary reprt 1. Intrductin t stakehlder relatins fr Staffrd and Surrunds CCG Staffrd and Surrunds has a large number f relatinships

More information

BRILL s Editorial Manager (EM) Manual for Authors Table of Contents

BRILL s Editorial Manager (EM) Manual for Authors Table of Contents BRILL s Editrial Manager (EM) Manual fr Authrs Table f Cntents Intrductin... 2 1. Getting Started: Creating an Accunt... 2 2. Lgging int EM... 3 3. Changing Yur Access Cdes and Cntact Infrmatin... 3 3.1

More information

Mobile Device Manager Admin Guide. Reports and Alerts

Mobile Device Manager Admin Guide. Reports and Alerts Mbile Device Manager Admin Guide Reprts and Alerts September, 2013 MDM Admin Guide Reprts and Alerts i Cntents Reprts and Alerts... 1 Reprts... 1 Alerts... 3 Viewing Alerts... 5 Keep in Mind...... 5 Overview

More information

FEEDBACK FROM THE VICTORIA QUALITY COUNCIL INTERHOSPITAL PATIENT TRANSFER WORKSHOP

FEEDBACK FROM THE VICTORIA QUALITY COUNCIL INTERHOSPITAL PATIENT TRANSFER WORKSHOP FEEDBACK FROM THE VICTORIA QUALITY COUNCIL INTERHOSPITAL PATIENT TRANSFER WORKSHOP Results arising frm the survey f Participants at the Victrian Quality Cuncil (VQC) Interhspital Patient Transfer Wrkshp

More information

The actions discussed below in this Appendix assume that the firm has already taken three foundation steps:

The actions discussed below in this Appendix assume that the firm has already taken three foundation steps: MAKING YOUR MARK 6.1 Gd Practice This sectin presents an example f gd practice fr firms executing plans t enter the resurces sectr supply chain fr the first time, r fr thse firms already in the supply

More information

Corporate Standards for data quality and the collation of data for external presentation

Corporate Standards for data quality and the collation of data for external presentation The University f Kent Crprate Standards fr data quality and the cllatin f data fr external presentatin This paper intrduces a set f standards with the aim f safeguarding the University s psitin in published

More information

Our ref: Accident Compensation / Tort Law Committee 22 March 2013. OPERATION OF QUEENSLAND S WORKERS COMPENSATION SCHEME Additional Submission

Our ref: Accident Compensation / Tort Law Committee 22 March 2013. OPERATION OF QUEENSLAND S WORKERS COMPENSATION SCHEME Additional Submission Our ref: Accident Cmpensatin / Trt Law Cmmittee 22 March 2013 The Research Directr Finance and Administratin Cmmittee Parliament Huse Gerge Street BRISBANE QLD 4000 Dear Research Directr By email: fac@parliament.qld.gv.au

More information

Qualification Specification Level 3 Award in Effective Auditing and Inspection Skills

Qualification Specification Level 3 Award in Effective Auditing and Inspection Skills www.highfieldabc.cm Qualificatin Specificatin Level 3 Award in Effective Auditing and Inspectin Skills Highfield Place Unit 15 Shaw Wd Business Park Shaw Wd Way Wheatley Hills Dncaster Suth Yrkshire DN2

More information

IMT Standards. Standard number A000014. GoA IMT Standards. Effective Date: 2010-09-30 Scheduled Review: 2011-03-30 Last Reviewed: Type: Technical

IMT Standards. Standard number A000014. GoA IMT Standards. Effective Date: 2010-09-30 Scheduled Review: 2011-03-30 Last Reviewed: Type: Technical IMT Standards IMT Standards Oversight Cmmittee Gvernment f Alberta Effective Date: 2010-09-30 Scheduled Review: 2011-03-30 Last Reviewed: Type: Technical Standard number A000014 Electrnic Signature Metadata

More information

How to Address Key Selection Criteria

How to Address Key Selection Criteria Hw t Address Key Selectin Criteria Yu've seen an jb pprtunity that yu're interested in, n a jbs bard r in the press and want t apply, but where d yu start? A key requirement fr jbs in Gvernment is t respnd

More information

LEED Rating System Development

LEED Rating System Development LEED Rating System Develpment Why are the LEED rating systems being updated? The hallmark f LEED and its ability t affect market transfrmatin is its cntinuus imprvement cycle that enables the rating system

More information

Draft for consultation

Draft for consultation Draft fr cnsultatin Draft Cde f Practice n discipline and grievance May 2008 Further infrmatin is available frm www.acas.rg.uk CONSULTATION ON REVISED ACAS CODE OF PRACTICE ON DISCIPLINE AND GRIEVANCE

More information

STANDARDISATION IN E-ARCHIVING

STANDARDISATION IN E-ARCHIVING STANDARDISATION IN E-ARCHIVING R E Q U I R E M E N T S A N D C O N T R O L S F O R D I G I T I S AT I O N A N D E - A R C H I V I N G S E R V I C E P R O V I D E R S Alain Wahl 1 Requirements and cntrls

More information

IEMA Practitioner Volume 14 Supporting Information www.iema.net/practitioner/14

IEMA Practitioner Volume 14 Supporting Information www.iema.net/practitioner/14 IEMA Practitiner Vlume 14 Supprting Infrmatin www.iema.net/practitiner/14 Title: Engaging and Re-engineering the Supply Chain Authr: Sam Balch Organisatin: Glbal Actin Plan There are a number f reasns

More information

Mobile Telecom Expense Management

Mobile Telecom Expense Management Mbile Telecm Expense Management Quick Start Mbile Telecm Expense Management Intrductin The BT Mbile Telecm Expense Management Quick Start Service is part BT Managed Mbility Expenses* BT s suite f telecm

More information

HEAL-Link Federation Higher Education & Research. Exhibit 2. Technical Specifications & Attribute Specifications

HEAL-Link Federation Higher Education & Research. Exhibit 2. Technical Specifications & Attribute Specifications HEAL-Link Federatin Higher Educatin & Research Exhibit 2 Technical Specificatins & Attribute Specificatins Trust Relatinship Trust relatinship amng the federatin, federatin members and federatin partners

More information

Patient Participation Report

Patient Participation Report Patient Participatin Reprt In 2011, Westngrve Partnership decided t establish a PPG (Patient Participatin Grup) that wuld allw us t engage with ur patients, receive feedback frm them and ensure that they

More information

How much life insurance do I need? Wrong question!

How much life insurance do I need? Wrong question! Hw much life insurance d I need? Wrng questin! We are ften asked this questin r sme variatin f it. We believe it is NOT the right questin t ask. What yu REALLY need is mney, cash. S the questin shuld be

More information

Verification statement

Verification statement Verificatin statement Verificatin f a GHG calculatin tl fr the graphic industry against is 14064-1 Client : ClimateCalc Cnsrtium EEIG Rue Barastraat 175 B-1070 Brussels Prject number : 11.0260 Envirnmental

More information

Mobile Workforce. Improving Productivity, Improving Profitability

Mobile Workforce. Improving Productivity, Improving Profitability Mbile Wrkfrce Imprving Prductivity, Imprving Prfitability White Paper The Business Challenge Between increasing peratinal cst, staff turnver, budget cnstraints and pressure t deliver prducts and services

More information

Research Report. Abstract: The Emerging Intersection Between Big Data and Security Analytics. November 2012

Research Report. Abstract: The Emerging Intersection Between Big Data and Security Analytics. November 2012 Research Reprt Abstract: The Emerging Intersectin Between Big Data and Security Analytics By Jn Oltsik, Senir Principal Analyst With Jennifer Gahm Nvember 2012 2012 by The Enterprise Strategy Grup, Inc.

More information

CAPITALISATION PLAN PLAN FOR CAPITALISATION OF PROJECT RESULTS

CAPITALISATION PLAN PLAN FOR CAPITALISATION OF PROJECT RESULTS CAPITALISATION PLAN PLAN FOR CAPITALISATION OF PROJECT RESULTS INTRODUCTION Easy Finance Capitalisatin Plan identifies the strategy t ensure explitatin and sustainability f the prject beynd prject s develpment

More information

Malpractice and Maladministration Policy

Malpractice and Maladministration Policy TR340 Malpractice and Maladministratin Plicy This plicy aims t: Define malpractice and maladministratin in the cntext f CIM/CAM studying members, Accredited study centres (ASCs), examinatin centres, invigilatrs

More information

Valuation Analysis: The Role of the Expert in Litigation

Valuation Analysis: The Role of the Expert in Litigation Valuatin Analysis: The Rle f the Expert in Litigatin In cmmercial litigatin the valuatin expert must balance varying methds and the use f judgment in delivering an ptimal result and then must be prepared

More information

Dampier Bunbury Pipeline (DBP)

Dampier Bunbury Pipeline (DBP) Limited ABN 59 001 777 591 AFSL 232497 April 2011 (Update) Cst f Debt Summary Paper Dampier Bunbury Pipeline (DBP) IMPORTANT NOTE Nte 1 This dcument has been prepared by AMP Capital Investrs Limited (AMP

More information

Website Design Worksheet

Website Design Worksheet Website Design Wrksheet The mst crucial and imprtant part f having a website designed, r redesigned is t set gals and decide up frnt what yu want yur website t d. What is the purpse f yur new website?

More information

OECD-NEA Study Cost of Nuclear Accidents-liabilities Issues and their Impact on Electricity Costs

OECD-NEA Study Cost of Nuclear Accidents-liabilities Issues and their Impact on Electricity Costs OECD-NEA Study Cst f Nuclear Accidents-liabilities Issues and their Impact n Electricity Csts Wrkshp Appraches t estimatin f the csts f nuclear accidents May 28-29, 2013 OECD/NEA Headquarters, Issy-les-Mulineaux,

More information

Fixed vs. Variable Interest Rates

Fixed vs. Variable Interest Rates Fixed vs. Variable Interest Rates Understanding the Advantages and Disadvantages f Each Rate Type When shpping fr financial prducts, there are a lt f factrs t cnsider. Much has changed in the financial

More information

PLANNING AND HOUSING POLICY ADVISORY PANEL. 30 October 2012

PLANNING AND HOUSING POLICY ADVISORY PANEL. 30 October 2012 PLANNING AND HOUSING POLICY ADVISORY PANEL 30 Octber 2012 Held at Training Rm 1 - Elizabeth Huse, Stratfrd-upn-Avn Meeting cmmenced: 2.00 p.m. Meeting ended: 3.43 p.m. MINUTES Present: Aplgies: Cuncillr

More information

www.pwc.com Consumer Intelligence Series: Seeing it now: The hidden value of digital rights lockers

www.pwc.com Consumer Intelligence Series: Seeing it now: The hidden value of digital rights lockers www.pwc.cm Cnsumer Intelligence Series: Seeing it nw: The hidden value f digital rights lckers Seeing it nw: The hidden value f digital rights lckers Cnsumer discvery sessins held in March 2010. Overview

More information

Colorado Health Benefit Exchange Board Advisory Group Selection Process, Timeline, Charters and Nominee Form

Colorado Health Benefit Exchange Board Advisory Group Selection Process, Timeline, Charters and Nominee Form Clrad Health Benefit Exchange Bard Selectin Prcess, Timeline, Charters and Nminee Frm Backgrund At the COHBE Bard meeting n April 9, 2012, staff shared a mem utlining a recmmendatin t frm vlunteer s (Health

More information

Copernicus & Big Data: A Perspective from the European EO Services Industry. Geoff Sawyer: EARSC Secretary General

Copernicus & Big Data: A Perspective from the European EO Services Industry. Geoff Sawyer: EARSC Secretary General Cpernicus & Big Data: A Perspective frm the Eurpean EO Services Industry. Geff Sawyer: EARSC Secretary General What is EARSC? EARSC is a trade assciatin (NPO), funded in 1989, which represents cmpanies:

More information

Press Release: 13 January 2016

Press Release: 13 January 2016 Press Release: 13 January 2016 RAPID GROWTH IN MEDICALLY UNDERWRITTEN BULK ANNUITIES AS PENSIONS INSTITUTE REPORT PREDICTS CONVERGANCE BETWEEN APPROACHES Frm a standing start in 2013, 60 transactins wrth

More information

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners Guideline August 2013 Prfessinal indemnity insurance arrangements fr enrlled nurses, registered nurses and nurse practitiners Intrductin This guideline has been develped by the Nursing and Midwifery Bard

More information

By email to: market@entsoe.eu

By email to: market@entsoe.eu By email t: market@entse.eu Respnse frm: Name Steve Wilkin Cmpany Address Cntact email ELEXON Ltd 4th Flr 350 Eustn Rad Lndn NW1 3AW UK steve.wilkin@elexn.c.uk Phne +44 20 73 80 42 53 Cuntry United Kingdm

More information

Meeting Minutes for January 17, 2013

Meeting Minutes for January 17, 2013 There are tw purpses t these bi-mnthly calls: Meeting Minutes fr January 17, 2013 1. Prvide updates that may affect wrkflw user studies 2. Prvide a frum fr MIP Studies Users t ask questins and raise cncerns

More information

International University of Japan 2015 IUJ Scholarship Guidelines: PhD Programs For Non-Japanese Applicants

International University of Japan 2015 IUJ Scholarship Guidelines: PhD Programs For Non-Japanese Applicants Internatinal University f Japan 2015 IUJ Schlarship Guidelines: PhD Prgrams Fr n-japanese Applicants In This Guide... List f Available Schlarships thrugh IUJ and Other Institutins, and Hw t Apply Categry

More information

INTERNATIONAL STANDARD ON AUDITING 265 COMMUNICATING DEFICIENCIES IN INTERNAL CONTROL TO THOSE CHARGED WITH GOVERNANCE AND MANAGEMENT CONTENTS

INTERNATIONAL STANDARD ON AUDITING 265 COMMUNICATING DEFICIENCIES IN INTERNAL CONTROL TO THOSE CHARGED WITH GOVERNANCE AND MANAGEMENT CONTENTS INTERNATIONAL STANDARD ON AUDITING 265 COMMUNICATING DEFICIENCIES IN INTERNAL CONTROL TO THOSE CHARGED WITH GOVERNANCE AND MANAGEMENT (Effective fr audits f financial statements fr perids beginning n r

More information

Aim The aim of a communication plan states the overall goal of the communication effort.

Aim The aim of a communication plan states the overall goal of the communication effort. Develping a Cmmunicatin Plan- Aim Aim The aim f a cmmunicatin plan states the verall gal f the cmmunicatin effrt. Determining the Aim Ask yurself r yur team what the verall gal f the cmmunicatin plan is.

More information

STEP 1: Student Application Submission

STEP 1: Student Application Submission Student Applicatin Prcess fr Chice Districts Interdistrict Public Schl Chice Prgram New Jersey State Department f Educatin P.O. Bx 500 Trentn, New Jersey 08625-0500 Email: pschice@de.state.nj.us STEP 1:

More information

ATLAS on substance use (2010) Resources for the prevention and treatment of substance use disorders

ATLAS on substance use (2010) Resources for the prevention and treatment of substance use disorders INTRODUCTION Dimensins f psychactive substance use and dependence The use f alchl and ther psychactive substances alters bth the functin and, ultimately, the structure f the brain by the altered stimulatin

More information

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006)

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006) Marketing Cnsultancy Divisin (MCD) Exprt Cnsultancy Unit (ECU) Exprt in Fcus Exprt Market Expansin Strategies Rabi-I, 1427 (April, 2006) 1 Exprt Market Expansin Strategies Intrductin It is clear that glbalizatin

More information

Principles of Engagement with Universities providing accredited Actuarial Science programmes

Principles of Engagement with Universities providing accredited Actuarial Science programmes The Actuarial Prfessin Principles f Engagement with Universities prviding accredited Actuarial Science prgrammes 1. What is an accredited actuarial science prgramme? Accreditatin f university prgrammes

More information

INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF

INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF QUESTION WE VE BEEN ASKED QB 15/09 INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF All legislative references

More information

Information Guide Booklet. Home Loans

Information Guide Booklet. Home Loans Infrmatin Guide Bklet Hme Lans This Infrmatin Guide bklet prvides yu with general infrmatin nly. It will als help yu t better understand any recmmendatins we have made fr yu. Infrmatin Guide Hme Lans January

More information

Typical Interview Questions and Answers

Typical Interview Questions and Answers Typical Interview Questins and Answers Why d yu want t wrk fr this cmpany? Why are yu interested in this jb? The interviewer is trying t determine what yu knw and like abut the cmpany, whether yu will

More information

IN-HOUSE OR OUTSOURCED BILLING

IN-HOUSE OR OUTSOURCED BILLING IN-HOUSE OR OUTSOURCED BILLING Medical billing is ne f the mst cmplicated aspects f running a medical practice. With thusands f pssible cdes fr diagnses and prcedures, and multiple payers, the ability

More information

FCA Discussion Paper on Improving Consumer Communications (DP15/5)

FCA Discussion Paper on Improving Consumer Communications (DP15/5) August 2015 FCA Discussin Paper n Imprving Cnsumer Cmmunicatins (DP15/5) In July 2015, the FCA published a discussin paper explring smarter appraches t cnsumer cmmunicatins. The regulatr acknwledges that

More information

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd.

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd. Cmmittee: Date(s): Infrmatin Systems Sub Cmmittee 11 th March 2015 Subject: Agilisys Managed Service Financial Reprt Reprt f: Chamberlain Summary Public Fr Infrmatin This reprt prvides Members with an

More information

Guidance for responding companies: sector module guidance

Guidance for responding companies: sector module guidance Guidance fr respnding cmpanies: sectr mdule guidance ICT Sectr Mdule 2016 CDP respnd@cdp.net +44 (0) 20 3818 3900 www.cdp.net 1 Cntents Intrductin t ICT Mdule Guidance... 3 General guidance... 3 Why has

More information

Changes to Stark Regulations: A Refresher. Elizabeth E. Hogue, Esq. Office: Fax:

Changes to Stark Regulations: A Refresher. Elizabeth E. Hogue, Esq. Office: Fax: Changes t Stark Regulatins: A Refresher Elizabeth E. Hgue, Esq. Office: 877-871-4062 Fax: 877-871-9739 E-Mail: ElizabethHgue@ElizabethHgue.net As many prviders already knw, the s-called "Stark law" prhibits

More information

MANITOBA SECURITIES COMMISSION STRATEGIC PLAN 2013-2016

MANITOBA SECURITIES COMMISSION STRATEGIC PLAN 2013-2016 MANITOBA SECURITIES COMMISSION STRATEGIC PLAN 2013-2016 The Manitba Securities Cmmissin (the Cmmissin) is a divisin f the Manitba Financial Services Agency (MFSA). The ther divisin is the Financial Institutins

More information

Captive outsourcing models

Captive outsourcing models Captive utsurcing mdels India TP hygiene wrkshp Presenter: Vishnu Bagri Octber 23, 2013 2013 Transfer Pricing Assciates Hlding B.V. BACKDROP + India has evlved as a premier utsurcing hub fr IT, ITES, engineering

More information

Perceptions of European Higher Education in Third Countries. Outcomes of a Study by the Academic Cooperation Association (ACA)

Perceptions of European Higher Education in Third Countries. Outcomes of a Study by the Academic Cooperation Association (ACA) Perceptins f Eurpean Higher Educatin in Third Cuntries Outcmes f a Study by the Academic Cperatin Assciatin (ACA) I. Intrductin Between Nvember 2004 and December 2005, fllwing a call fr tender issued by

More information

Pay Strategy for Country- Appointed Staff

Pay Strategy for Country- Appointed Staff Pay Strategy fr Cuntry- Appinted Staff Cntents Overview...3 Audience...3 Respnsibilities...3 Glssary...3 Crprate pay philsphy...3 Plicy...4 Perfrmance-related pay...5 Cmmunicating pay infrmatin t staff...5

More information

Practice Exchanges for Intercultural Capacity-Building An activity format of the Platform for Intercultural Europe with local partners

Practice Exchanges for Intercultural Capacity-Building An activity format of the Platform for Intercultural Europe with local partners Practice Exchanges fr Intercultural Capacity-Building An activity frmat f the Platfrm fr Intercultural Eurpe with lcal partners An Intrductin and Hsting Invitatin T Member And Partner Organisatins Octber

More information

FINANCIAL SERVICES FLASH REPORT

FINANCIAL SERVICES FLASH REPORT FINANCIAL SERVICES FLASH REPORT Draft Regulatry Cmpliance Management Guideline Released by the Office f the Superintendent f Financial Institutins May 5, 2014 On April 30, 2014, the Office f the Superintendent

More information

Welcome to CNIPS Training: CACFP Claim Entry

Welcome to CNIPS Training: CACFP Claim Entry Welcme t CNIPS Training: CACFP Claim Entry General Cmments frm SCN CACFP claiming begins with submissin f the Octber claim due by Nvember 15, 2012. Timelines/Due Dates With CNIPS, SCN will cntinue t enfrce

More information

Credit Work Group Recommendation

Credit Work Group Recommendation Credit Wrk Grup Recmmendatin T: Credit Wrk Grup Frm: Mike Bixby (305) 829-5549 mbixby@inf1team.cm Paul Wills (770) 740-7353 Paul.Wills@equifax.cm Date: Octber 7, 2004 Re: FACT Act Implicatins and Recmmendatins

More information

In-House Counsel Day Priorities for 2012. Cloud Computing the benefits, potential risks and security for the future

In-House Counsel Day Priorities for 2012. Cloud Computing the benefits, potential risks and security for the future In-Huse Cunsel Day Pririties fr 2012 Clud Cmputing the benefits, ptential risks and security fr the future Presented by David Richardsn Thursday 1 March 2012 WIN: What in-huse lawyers need Knwledge, supprt

More information

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Crdinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Medicare beneficiaries wh have limited incme and resurces may get help paying fr their Medicare premiums and ut-f-pcket

More information

SUPPLY MARKET ANALYSIS. Guidance Note General 2

SUPPLY MARKET ANALYSIS. Guidance Note General 2 SUPPLY MARKET ANALYSIS Guidance Nte General 2 1 Effective and efficient prcurement plicies, prcedures and practices in cntracting authrities can have a significant impact n btaining value fr mney in the

More information