Getting Followers to Follow After a Sale

Size: px
Start display at page:

Download "Getting Followers to Follow After a Sale"

Transcription

1 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 with thers and share and create cntent thrugh nline cmmunities. As such scial media may present great marketing pprtunities fr business f all sizes t prmte and market their brand and business. HIGHLIGHTS & KEY POINTS If yu have a business utilising scial media yu may eventually wish t sell yur business and the assciated scial media accunts (SMAs). Scial media accunts assciated with a business may be realised r sld fr value. Scial media prviders (SMPs) may have terms f service which restrict the ability t transfer wnership f scial media accunts. T successfully transfer the scial media accunt fr value a purchaser shuld cnsider: the type f service prvided by the SMPs; the value f the assets; wnership; and varius transfer ptins. Similarly, if yu wish t buy a business which has assciated SMA yu wuld want t make sure that yu btain the benefits f the scial media presence. Hwever, realising r purchasing the value f a business scial media accunt may nt be as straight frward as cmpared t sme ther assets f a business such as internet dmain names r intellectual prperty including registered and unregistered trademarks. What fllws is an verview f items t cnsider when buying r selling a business tgether with the assciated SMAs. Services f SMPs The services prvided by the majr SMPs can be gruped generally int the fllwing categries: prmtinal; database; billing; client list; Level 7, 70 Castlereagh Street, SYDNEY NSW 2000 Telephne: (02) Facsimile: (02) Website: access t platfrm; cnnectin; When selling r buying a business it is imprtant t identify the services prvided by the SMPs as it will have implicatins n the methd f transferring the scial PL41086 Getting Fllwers t Fllw After a Sale Page 1

2 media accunt assciated with the business. Anther reasn t identify the type f service prvided by the SMP is that the terms f service varies frm SMP t SMP. Fr example, while SMPs that prvide billing services such as PayPal allw businesses t pen an accunt in the name f the business ther SMPs nly allw accunts t be pened by individuals in their persnal capacity. The terms f service f mst majr SMPs which are pened by individuals in their persnal capacity may nt be transferred withut the authrity f the SMPs. Sme, such as LinkedIn, expressly frbid yu as the accunt hlder t sell, trade, r transfer yur LinkedIn accunt t anther party. Other SMPs, such as Facebk, Twitter and YuTube expressly allw a transfer if express cnsent r permissin is btained frm the SMPs. Hwever, evidence and experience suggest that there is generally n frmalised prcedure t btain SMPs cnsent t a transfer, n requirement fr an SMP t act reasnably in respnse, and little, if any, prspect that it will respnd at all. This means that transferring wnership r at least the value f SMAs requires a re-examinatin f the cnventinal prcess f buying r selling a business asset. Value f the Assets SMA may frm a cre part f the business which yu may be lking t buy r sell r it may frm an ancillary part f the business. In either case, there will be intrinsic value in the SMA assciated with the business prvided the SMA accunts can be transferred. The value may lie in the fllwers f the Facebk pages which allw the business t prmte and market its prduct r service amng the fllwers, r the prfessinal cnnectins n LinkedIn accunts wh refer wrk t the business r the details f the clients stred n the scial media accunt under the SMP. Identifying the assets f the business will help t determine the value f the transactin. By ascertaining the identity f the assets yu will be in a better psitin t carry ut the prcess t transfer the wnership r the value f the SMA. Fr example, there is trend amng financial advisers t use scial media t sme extent, with LinkedIn and Facebk usage amng planners n the rise. Accrding t sme reprts, linking adviser planning sftware t scial media platfrms is part f the next generatin f financial advice. In this instance, as the purchaser yu shuld ensure that the data cntained n the scial media platfrm if nt the SMAs themselves shuld frm part f any purchase and nt just the adviser planning sftware r the persnnel f the business. Ownership The issue with the abve is that many SMA are created by individuals in their wn persnal capacity. Therefre, the terms f service is between the SMPs and the individual in their wn persnal capacity which means that the SMAs are nt transferrable r assignable t the purchaser withut the permissin f the SMPs. On the ther hand, if the individual wh hlds the scial media accunt is an emplyee f the business wh will remain emplyed by the purchaser f the business then it may be pssible fr the emplyee t maintain management f the scial media accunt n behalf f the business under the terms f emplyment between the emplyee and the purchaser f the business. In practical terms, this means the purchaser f the business may retain cntrl and therefre value f the scial media accunt withut ging thrugh the angst assciated with an actual transfer f the scial media accunt. PL41086 Getting Fllwers t Fllw After a Sale Page 2

3 Meanwhile there are SMAs that may be pened and maintained under a business entity. Fr example, PayPal allws individuals authrised by their business t pen and use the accunt. Befre creating such an accunt PayPal requires that yu have yur business infrmatin available befre yu start, including yur business type and details f key individuals assciated with the business. Therefre, by purchasing the business, it may be pssible that SMA pened under a business wuld nly require updates t that accunt such as details f key individuals assciated with the business withut the prblem f having t btain the prir permissin f the SMP. Pssible Transfer Optins Ascertaining the type f service prvided by the SMPs tgether with the value and wnership f the scial media accunt assciated with the business shuld help the ptential purchaser r seller t identify the mst practical and efficient methd t transfer the value f the scial media accunt assciated with the business which requires cnsideratin f alternative strategies. Furthermre if yu are the vendr yu shuld carry ut yur due diligence befre entering int negtiatins and ffering yur business fr sale with the SMAs. Yu shuld prepare yur business assets including the SMAs fr sale well befre ffering t the market knwing if the SMAs can be transferred r nt and the requirements t transfer. The fllwing strategies are pssible ptins t transfer the value f a scial media accunt with each carrying certain risks f its wn. Optin 1: Purchase the business entity that cntrls the SMAs Fr the purpse f gaining cntrl f the SMAs a purchase f the business entity rather than a purchase f the assets wned by the business entity may be utilised t avid many f the difficulties nted abve. Hwever, this will ften be an unattractive ptin where, fr example, the business entity is heavily geared, has a restrictive r cmplicated equity structure, r has assets that a purchaser has n interest in acquiring r wuld give rise t adverse tax cnsequences. In circumstances where purchase f the assets is required, ther methds f gaining cntrl f the SMAs assciated with the business shuld be cnsidered. Optin 2: Require the existing hlder f scial media accunt t carry ut pre cmpletin bligatins As part f the purchase, the purchaser culd require the vendr t carry ut certain pre cmpletin bligatins which may include requiring the vendr t btain the permissin and authrity f SMPs t transfer SMAs assciated with the business t the purchaser. T that end the purchaser culd require the existing accunt hlder t check with the SMP as t whether a transfer f scial media accunt is pssible. Once pre cmpletin has been carried ut and if the permissin f the SMPs have been btained then fr the purpse f the cmpleting transfer f the SMAs the existing accunt hlder will need t prvide the current passwrd t the purchaser and agree nt t access thse accunts in the future. The purchaser culd then change the passwrd t prevent the existing accunt hlder t access the SMAs in the future. PL41086 Getting Fllwers t Fllw After a Sale Page 3

4 Optin 3: Appint the existing hlder f scial media accunt t maintain the scial media accunt as an agent Like ptin 2, appinting the existing accunt hlder as the purchaser s agent t maintain the SMAs f the business is unlikely t be cnsidered a breach f the SMPs terms f service because it wuld nt invlve an unauthrised transfer, assignment f wnership r passwrd disclsure. But, unlike ptin 2, this ptin relies n the purchaser maintaining a psitive relatinship with the existing accunt hlder. If the relatinship deterirates, there will be a risk that the existing accunt hlder will cease t act as the agent and therefre putting at risk cntrl f the SMAs. Optin 4: Vendr agrees t deactivate its scial media accunt and agree nt t pen any new accunt under certain cnditins. The purchaser is t then establish new accunt with the same r similar names while placing the existing hlder under a restraint. This ptin has the benefit f nt requiring the cperatin f the existing scial media accunt hlder and wuld nt likely breach the SMPs terms f service as it wuld nt invlve an unauthrised transfer. Hwever, nt all SMPs immediately make the name f deactivated accunts available fr ther users fllwing deactivatin. The purchaser might have t suffer thrugh an unavidable time lag r, wrse, cyber-squatters might pick up the name befre the purchaser des. Mre imprtantly, it is nt generally pssible t transfer the fllwers, fans, subscribers and the like f the deactivated accunts t the new accunts. The slate will be wiped clean, thus destrying what made the SMAs f the business attractive in the first place. T minimise the lss f fllwers fllwing a change f wnership, a clause may be inserted in the asset purchase agreement requiring the vendr t make cntact with all existing fllwers fr the purpse f inviting all existing fllwers t fllw the new scial media accunt. PL41086 Getting Fllwers t Fllw After a Sale Page 4

5 Pavuk Legal Services Pavuk Legal can assist yu with a full range f legal services in respect t purchasing r selling a business and/r the assciated digital assets such as SMAs including review f the SMAs, structure asset sale r business sale agreements t include SMAs. In respect f a sale f business, Pavuk Legal can assist yu with drafting apprpriate sale dcumentatin, advice in respect t the sale t the apprpriate purchaser. Please cntact: Andrew Pavuk Phne: Or Andrew Dicksn Phne: Or Maryna Rganva Phne: This article cntains cmments f a general nature nly and is prvided as an infrmatin service nly. The article als reflects the law as at the date it was written and may nt take int accunt any recent r subsequent develpments in the law. The article is nt intended t be relied upn, nr is it a substitute fr specific prfessinal advice. N respnsibility can be accepted by Pavuk Legal r the authr(s) fr any lss ccasined t any persn ding anything as a result f anything cntained in the article. In rder t btain apprpriate legal advice particular t yur circumstances, please cntact either Andrew Pavuk n , Andrew Dicksn n r Jseph H PL41086 Getting Fllwers t Fllw After a Sale Page 5

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy.

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy. Privacy Plicy The Central Equity Grup understands hw highly peple value the prtectin f their privacy. Fr that reasn, the Central Equity Grup takes particular care in dealing with any persnal and sensitive

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

Employees - recruitment, records and monitoring

Employees - recruitment, records and monitoring Emplyees - recruitment, recrds and mnitring This guidance has been prduced t help rganisatins cmply with the Data Prtectin Act (DPA) when recruiting and emplying wrkers. It is relevant t public sectr emplyers,

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

PRIVACY POLICY. This Privacy Policy describes how and when Pole Star USA, Inc. ( Pole Star ) collects, uses and

PRIVACY POLICY. This Privacy Policy describes how and when Pole Star USA, Inc. ( Pole Star ) collects, uses and PRIVACY POLICY This Privacy Plicy describes hw and when Ple Star USA, Inc. ( Ple Star ) cllects, uses and shares yur infrmatin when yu use Ple Star s NAO Clud Platfrm, which includes the Ple Star website

More information

University of Texas at Dallas Policy for Accepting Credit Card and Electronic Payments

University of Texas at Dallas Policy for Accepting Credit Card and Electronic Payments University f Texas at Dallas Plicy fr Accepting Credit Card and Electrnic Payments Cntents: Purpse Applicability Plicy Statement Respnsibilities f a Merchant Department Prcess t Becme a Merchant Department

More information

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET A Pwer f Attrney is a legal dcument where a persn gives anther persn r persns (the Attrney) authrity t make certain decisins n his r her behalf. A Lasting

More information

Internet and Social Media Solicitations: Wise Giving Tips

Internet and Social Media Solicitations: Wise Giving Tips Internet and Scial Media Slicitatins: Wise Giving Tips Charities use a wide variety f methds t slicit charitable dnatins. New and pwerful technlgies utilize nt just the internet and email, but als scial

More information

First Global Data Corp.

First Global Data Corp. First Glbal Data Crp. Privacy Plicy As f February 23, 2015 Ding business with First Glbal Data Crp. ("First Glbal", First Glbal Mney, "we" r "us", which includes First Glbal Data Crp. s subsidiary, First

More information

Consumer ebanking Account and Services Agreement

Consumer ebanking Account and Services Agreement Cnsumer ebanking Accunt and Services Agreement Intrductin: As used in this agreement, the wrds yu and yur refer t the accunt hlder(s) and the wrds Bank, us, and we refer t CnnectOne Bank. Cnsumer ebanking:

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

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

Multi-Year Accessibility Policy and Plan for NSF Canada and NSF International Strategic Registrations Canada Company, 2014-2021

Multi-Year Accessibility Policy and Plan for NSF Canada and NSF International Strategic Registrations Canada Company, 2014-2021 Multi-Year Accessibility Plicy and Plan fr NSF Canada and NSF Internatinal Strategic Registratins Canada Cmpany, 2014-2021 This 2014-21 accessibility plan utlines the plicies and actins that NSF Canada

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

SAEMA Document No. SDN. 14001

SAEMA Document No. SDN. 14001 SAEMA Dcument N. SDN. 14001 Issue Date: 6 th Nvember 2012 Guidance dcument n facade access mechanical/ electrical breakdwn, rescue and rescue planning. Specialist Access Engineering and Maintenance Assciatin

More information

Process for Responding to Privacy Breaches

Process for Responding to Privacy Breaches Prcess fr Respnding t Privacy Breaches 1. Purpse 1.1 This dcument sets ut the steps that ministries must fllw when respnding t a privacy breach. It must be read in cnjunctin with the Infrmatin Incident

More information

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM 1. Prgram Adptin The City University f New Yrk (the "University") develped this Identity Theft Preventin Prgram (the "Prgram") pursuant

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

NSW FAIR TRADING. Real Estate Fraud Prevention Guidelines

NSW FAIR TRADING. Real Estate Fraud Prevention Guidelines NSW FAIR TRADING Real Estate Fraud Preventin Guidelines Real Estate Fraud Preventin Guidelines Cntents 1. Intrductin..... 2 2. Backgrund.. 2 3. The Law.. 2 4. Cmmissiner s Guidance.... 3 5. Prescribed

More information

A Guide to Understanding and Claiming the Disability Tax Credit:

A Guide to Understanding and Claiming the Disability Tax Credit: A Guide t Understanding and Claiming the Disability Tax Credit: The Gvernment f Canada ffers a variety f tax benefits t peple with disabilities. These benefits are prvided under the assumptin that peple

More information

Point2 Property Manager Quick Setup Guide

Point2 Property Manager Quick Setup Guide Click the Setup Tab Mst f what yu need t get started using Pint 2 Prperty Manager has already been taken care f fr yu. T begin setting up yur data in Pint2 Prperty Manager, make sure yu have cmpleted the

More information

Plus500CY Ltd. Statement on Privacy and Cookie Policy

Plus500CY Ltd. Statement on Privacy and Cookie Policy Plus500CY Ltd. Statement n Privacy and Ckie Plicy Statement n Privacy and Ckie Plicy This website is perated by Plus500CY Ltd. ("we, us r ur"). It is ur plicy t respect the cnfidentiality f infrmatin and

More information

To help you, most jobs with application forms make the criteria they measure against explicit, this is either by:

To help you, most jobs with application forms make the criteria they measure against explicit, this is either by: Applicatin Frms Applicatin Frms Applicatin frms are used as a way f selecting between applicants. Sme jbs can be extremely cmpetitive, with sme graduate training schemes attracting thusands f applicatins

More information

Online Learning Portal best practices guide

Online Learning Portal best practices guide Online Learning Prtal Best Practices Guide best practices guide This dcument prvides Micrsft Sftware Assurance Benefit Administratrs with best practices fr implementing e-learning thrugh the Micrsft Online

More information

Learning Central Business Portal Best Practices Guide

Learning Central Business Portal Best Practices Guide Learning Central Business Prtal Best Practices Guide Practices Guide Objective: This dcument prvides Micrsft Sftware Assurance Benefit Administratrs with best practices fr implementing E- Learning thrugh

More information

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type:

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type: Wiltshire Cuncil Crprate Debt Recvery Plicy: 29102010 WILTSHIRE COUNCIL CORPORATE DEBT RECOVERY POLICY 1. Intrductin The Cuncil raises a significant prprtin f its ttal incmes thrugh lcal taxes and charges,

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

TITLE: RECORDS AND INFORMATION MANAGEMENT POLICY

TITLE: RECORDS AND INFORMATION MANAGEMENT POLICY TITLE: RECORDS AND INFORMATION MANAGEMENT POLICY REFERENCE NUMBER: 14/103368 RESPONSIBLE DEPARTMENT: Crprate Services APPLICABLE LEGISLATION: State Recrds Act 1997 Lcal Gvernment Act 1999 Crpratins Act

More information

Woodstock Multimedia, INC. Software/Hardware Usage Policy

Woodstock Multimedia, INC. Software/Hardware Usage Policy Wdstck Multimedia, INC. Sftware/Hardware Usage Plicy POLICY PURPOSE The purpse f the Wdstck Multimedia, INC. Sftware / Hardware Usage Plicy is t ensure that Wdstck Multimedia, INC. emplyees are prperly

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

expertise hp services valupack consulting description security review service for Linux

expertise hp services valupack consulting description security review service for Linux expertise hp services valupack cnsulting descriptin security review service fr Linux Cpyright services prvided, infrmatin is prtected under cpyright by Hewlett-Packard Cmpany Unpublished Wrk -- ALL RIGHTS

More information

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

More information

CFD AND SPOT FOREX TERMS: DEPOSIT ACCOUNTS

CFD AND SPOT FOREX TERMS: DEPOSIT ACCOUNTS 1. Structure 1.1 When we engage in cfd r spt frex trading with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur CFD and Spt Frex Terms. 1.2 The CFD and Spt Frex Terms deal with matters

More information

Support Services. v1.19 / 2015-07-02

Support Services. v1.19 / 2015-07-02 Supprt Services v1.19 / 2015-07-02 Intrductin - Table f Cntents 1 Intrductin... 3 2 Definitins... 4 3 Supprt Prgram Feature Overview... 5 4 SLA fr the Supprt Services... 6 4.1 Standard Supprt... 6 4.2

More information

GUIDANCE FOR BUSINESS ASSOCIATES

GUIDANCE FOR BUSINESS ASSOCIATES GUIDANCE FOR BUSINESS ASSOCIATES This Guidance fr Business Assciates dcument is intended t verview UPMCs expectatins, as well as t prvide additinal resurces and infrmatin, t UPMC s HIPAA business assciates.

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information

TITLE: Supplier Contracting Guidelines Process: FIN_PS_PSG_050 Replaces: Manual Sections 6.4, 7.1, 7.5, 7.6, 7.11 Effective Date: 10/1/2014 Contents

TITLE: Supplier Contracting Guidelines Process: FIN_PS_PSG_050 Replaces: Manual Sections 6.4, 7.1, 7.5, 7.6, 7.11 Effective Date: 10/1/2014 Contents TITLE: Supplier Cntracting Guidelines Prcess: FIN_PS_PSG_050 Replaces: Manual Sectins 6.4, 7.1, 7.5, 7.6, 7.11 Cntents 1 Abut university supplier cntracting... 2 2 When is a cntract required?... 2 3 Wh

More information

Briefing 4 Inquests and the disclosure of information to the coroner

Briefing 4 Inquests and the disclosure of information to the coroner briefing February 2013 The Francis Reprt Briefing 4 Inquests and the disclsure f infrmatin t the crner Key chapters Key recmmendatins 2, 11, 14, 22 274, 45, 273, 282, 283, 17 There is a requirement nt

More information

NYU Langone Medical Center NYU Hospitals Center NYU School of Medicine

NYU Langone Medical Center NYU Hospitals Center NYU School of Medicine Title: Identity Theft Prgram Effective Date: July 2009 NYU Langne Medical Center NYU Hspitals Center NYU Schl f Medicine POLICY It is the plicy f the NYU Langne Medical Center t educate and train staff

More information

Privacy Policy. What personally identifying information is collected on or through the Frames Data Online Site?

Privacy Policy. What personally identifying information is collected on or through the Frames Data Online Site? Privacy Plicy Welcme t www.framesdata.cm! This site (the Frames Data Online Site ) is wned by Frames Data Inc. ("FDI" r we ), a subsidiary f Jbsn Medical Infrmatin LLC ("JMI") and its parent, Jbsn Healthcare

More information

RAMS Deposits FAQs RAMS Saver

RAMS Deposits FAQs RAMS Saver 12 May 2012 Accunt Sectin 1. Wh is eligible? Wh can pen a accunt? Yu can pen a accunt if yu satisfy all f the fllwing requirements: Yu are a persnal custmer (nt a business, cmpany r trust) Yu are aged

More information

THIRD PARTY PROCUREMENT PROCEDURES

THIRD PARTY PROCUREMENT PROCEDURES ADDENDUM #1 THIRD PARTY PROCUREMENT PROCEDURES NORTH CENTRAL TEXAS COUNCIL OF GOVERNMENTS TRANSPORTATION DEPARTMENT JUNE 2011 OVERVIEW These prcedures establish standards and guidelines fr the Nrth Central

More information

Internet Banking Agreement and Disclosure Statement

Internet Banking Agreement and Disclosure Statement Internet Banking Agreement and Disclsure Statement This agreement cntains the terms and cnditins that gvern accessing r using Internet Banking (NetTeller), Bill Payment Services, Mbile Banking and On Demand

More information

HarePoint HelpDesk for SharePoint. For SharePoint Server 2010, SharePoint Foundation 2010. User Guide

HarePoint HelpDesk for SharePoint. For SharePoint Server 2010, SharePoint Foundation 2010. User Guide HarePint HelpDesk fr SharePint Fr SharePint Server 2010, SharePint Fundatin 2010 User Guide Prduct versin: 14.1.0 04/10/2013 2 Intrductin HarePint.Cm (This Page Intentinally Left Blank ) Table f Cntents

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

VALLEYVIEW AUTOMATED PAYROLL SYSTEM

VALLEYVIEW AUTOMATED PAYROLL SYSTEM VALLEYVIEW AUTOMATED PAYROLL SYSTEM ValleyView has purchased and custmised an autmated system t manage their payrll. This system is knwn as ValleyView Autmated Payrll System (VAPS). VAPS is used t recrd

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement 1. General This Online Banking Agreement, which may be amended frm time t time by us (this "Agreement"), fr accessing yur Clrad Federal Savings Bank accunt(s) via the Internet

More information

Retirement Age Of 65 To Stay... For Now

Retirement Age Of 65 To Stay... For Now Retirement Age Of 65 T Stay... Fr Nw The High Curt has recently ruled n the validity f a cmpulsry retirement age f 65 under UK age discriminatin legislatin The Emplyment Equality (Age) Regulatins 2006

More information

Bill Payment Agreement & Disclosures

Bill Payment Agreement & Disclosures Bill Payment Agreement & Disclsures Welcme t Online Banking Bill Payment Service. Use f the Bill Payment Service indicates acceptance f terms and cnditins set frth in the Online Banking Agreement & Disclsures

More information

Public consultation paper

Public consultation paper Public cnsultatin paper Nvember 2012 Public cnsultatin n guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners. Please prvide feedback by email t: nmbafeedback@ahpra.gv.au

More information

Colorado Rapids Youth Soccer Club Social Media and Electronic Communication Policies

Colorado Rapids Youth Soccer Club Social Media and Electronic Communication Policies Clrad Rapids Yuth Sccer Club Scial Media and Electrnic Cmmunicatin Plicies OVERVIEW Online, scial media and ther electrnic cmmunicatin tls such as text messaging have becme a prevalent and effective means

More information

Thank you for your interest in this leadership position. Please find enclosed an application and information package to assist you.

Thank you for your interest in this leadership position. Please find enclosed an application and information package to assist you. Applicatin fr the psitin f Assistant Principal Thank yu fr yur interest in this leadership psitin. Please find enclsed an applicatin and infrmatin package t assist yu. Attached are the fllwing: An applicatin

More information

FERRIS STATE UNIVERSITY SCHOOL of NURSING CODE of CONDUCT

FERRIS STATE UNIVERSITY SCHOOL of NURSING CODE of CONDUCT 1 FERRIS STATE UNIVERSITY SCHOOL f NURSING CODE f CONDUCT The Schl f Nursing (SON) at Ferris State University uphlds the University Cde f Student Cnduct and the American Nurses Assciatin Cde f Ethics.

More information

National Australia Bank Limited Group Disclosure & External Communications Policy

National Australia Bank Limited Group Disclosure & External Communications Policy Natinal Australia Bank Limited Grup Disclsure & External Cmmunicatins Plicy Grup Disclsure & External Cmmunicatins Plicy Page 2 f 7 Grup Disclsure & External Cmmunicatins Plicy ( the Plicy ) 1. Overview

More information

BCS, THE CHARTERED INSTITUTE FOR IT TRUSTEE BOARD REGULATIONS - SCHEDULE 3 CODE OF CONDUCT FOR BCS MEMBERS

BCS, THE CHARTERED INSTITUTE FOR IT TRUSTEE BOARD REGULATIONS - SCHEDULE 3 CODE OF CONDUCT FOR BCS MEMBERS Intrductin BCS, THE CHARTERED INSTITUTE FOR IT TRUSTEE BOARD REGULATIONS - SCHEDULE 3 CODE OF CONDUCT FOR BCS MEMBERS As a prfessinal bdy the British Cmputer Sciety (knwn as BCS, the Chartered Institute

More information

Consumer Complaint Roadmap

Consumer Complaint Roadmap Cnsumer Cmplaint Radmap Step 1. What yu shuld knw befre yu begin. Refund and Exchange Plicies The nly case where a cnsumer has the abslute right t a return is when there is a defect in the prduct. Mst

More information

Overview of the Edit Options Page for Individual Student Courses

Overview of the Edit Options Page for Individual Student Courses Overview f the Edit Optins Page fr Individual Student Curses Edit Optins fr an Individual Student s Curse The Edit Optins page allws teachers t cntrl curse features such as passing threshlds, grade weights,

More information

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions Maryland General Service (MGS) Area 29 Treatment Facilities Cmmittee (TFC) TFC Instructins Lve And Service Facility Presentatin t Patients We are frm Alchlics Annymus (AA), fr AA, and ur service is fr

More information

FAQs about Registration & Licensing in Dubai

FAQs about Registration & Licensing in Dubai FAQs abut Registratin & Licensing in Dubai Trade Names 1. Is it required t register a trade name in rder t apply fr an initial apprval? N, a trade name may be bked fr ne year renewable perid, against payment

More information

UNCITRAL COLLOQIUM ON FINANCING INTELLECTUAL PROPERTY ASSETS. (by: Kiriakoula Hatzikiriakos, McMillan Binch Mendelsohn)

UNCITRAL COLLOQIUM ON FINANCING INTELLECTUAL PROPERTY ASSETS. (by: Kiriakoula Hatzikiriakos, McMillan Binch Mendelsohn) UNCITRAL COLLOQIUM ON FINANCING INTELLECTUAL PROPERTY ASSETS (by: Kiriakula Hatzikiriaks, McMillan Binch Mendelshn) The purpse f this paper is t highlight sme issues and recmmendatins t be cnsidered during

More information

PEARL LINGUISTICS YOUR NEW LANGUAGE SERVICE PROVIDER FREQUENTLY ASKED QUESTIONS

PEARL LINGUISTICS YOUR NEW LANGUAGE SERVICE PROVIDER FREQUENTLY ASKED QUESTIONS PEARL LINGUISTICS YOUR NEW LANGUAGE SERVICE PROVIDER FREQUENTLY ASKED QUESTIONS 1) Hw d I determine which service I need? 2) Hw d I bk face t face interpreters? 3) Hw d I bk telephne interpreters? 4) Hw

More information

Are Insurance Premiums Deductible?

Are Insurance Premiums Deductible? Are Insurance Premiums Deductible? December 2011 Can I deduct the premiums? That s a questin yu prbably hear when yu re presenting an insurance cncept. Unfrtunately, the answer is generally n insurance

More information

PRIVACY POLICY Last revised: April 2015

PRIVACY POLICY Last revised: April 2015 PRIVACY POLICY Last revised: April 2015 ACD, LLC, and its affiliates (cllectively, we, us, ur ) understand that privacy is imprtant t ur cnsumers and want yu t make knwledgeable decisins abut the infrmatin

More information

Loan Application for Pre- Approval

Loan Application for Pre- Approval Lan Applicatin fr Pre- Apprval Get pre-apprved fr yur hme lan financing tday by cmpleting this applicatin. Please cmplete the entire applicatin and return with the dcumentatin requested n the attached

More information

FACT SHEET BORROWING THROUGH SUPER. Prepared by Brett Griffiths, Director Superannuation Consulting e bgriffiths@vincents.com.au

FACT SHEET BORROWING THROUGH SUPER. Prepared by Brett Griffiths, Director Superannuation Consulting e bgriffiths@vincents.com.au FACT SHEET BORROWING THROUGH SUPER Prepared by Brett Griffiths, Directr Superannuatin Cnsulting e bgriffiths@vincents.cm.au FACT SHEET Since September 2007 Self Managed Superannuatin Funds (SMSF s) can

More information

GP WIND DELIVERABLE D2.2 STAKEHOLDERS QUESTIONNAIRE WP2

GP WIND DELIVERABLE D2.2 STAKEHOLDERS QUESTIONNAIRE WP2 GP WIND DELIVERABLE D2.2 STAKEHOLDERS QUESTIONNAIRE WP2 Prject Name: GP WIND Gd Practice in recnciling nshre and ffshre wind with envirnmental bjectives Prject Duratin: 24 mnths (August 2010 July 2012)

More information

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight.

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight. Cntract f engagement This cntract f engagement is between FSB 4 Financial Limited (the adviser) and (the client). Purpse This cntract establishes the relatinship between the adviser and the client relating

More information

MA Social Work. When does it start? The next intake is September 2014. How long is the course? Two years (full-time)

MA Social Work. When does it start? The next intake is September 2014. How long is the course? Two years (full-time) MA Scial Wrk Des successful cmpletin f the curse result in a scial wrk qualificatin recgnised by Health and Care Prfessins Cuncil (HCPC)? Yes. It is imprtant t pint ut that successful cmpletin f the award

More information

VCU Payment Card Policy

VCU Payment Card Policy VCU Payment Card Plicy Plicy Type: Administrative Respnsible Office: Treasury Services Initial Plicy Apprved: 12/05/2013 Current Revisin Apprved: 12/05/2013 Plicy Statement and Purpse The purpse f this

More information

Procedures for Payments Made to or on Behalf of International Students, Visitors and Vendors

Procedures for Payments Made to or on Behalf of International Students, Visitors and Vendors Prcedures fr Payments Made t r n Behalf f Internatinal Students, Visitrs and Vendrs General Infrmatin All payments made t r n behalf f an internatinal visitr, student r vendr have ptential tax cnsideratins

More information

Search Engine Optimisation and Web Analytics

Search Engine Optimisation and Web Analytics E-Cmmerce Applicatins Prmting yur Site: Search Engine Optimisatin and Web Analytics Sessin 6 1 Next steps Prmting yur Business Having develped website/e-shp shp next step is t prmte the business Marketing

More information

DisplayNote Technologies Limited Data Protection Policy July 2014

DisplayNote Technologies Limited Data Protection Policy July 2014 DisplayNte Technlgies Limited Data Prtectin Plicy July 2014 1. Intrductin This dcument sets ut the bligatins f DisplayNte Technlgies Limited ( the Cmpany ) with regard t data prtectin and the rights f

More information

RUTGERS POLICY. Responsible Executive: Vice President for Information Technology and Chief Information Officer

RUTGERS POLICY. Responsible Executive: Vice President for Information Technology and Chief Information Officer RUTGERS POLICY Sectin: 70.1.1 Sectin Title: Infrmatin Technlgy Plicy Name: Acceptable Use Plicy fr Infrmatin Technlgy Resurces Frmerly Bk: N/A Apprval Authrity: Senir Vice President fr Administratin Respnsible

More information

Immaculate Conception School, Prince George Bring Your Own Device Policy for Students

Immaculate Conception School, Prince George Bring Your Own Device Policy for Students Bring Yur Own Device Plicy fr Students Purpse This plicy utlines the acceptable use f electrnic devices t maintain a safe and secure educatin envirnment with the gal f preparing students fr the future,

More information

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc.

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc. HIPAA Ntice f Privacy Practices Central Ohi Surgical Assciates, Inc. THIS NOTICE OF PRIVACY PRACTICES (THE NOTICE ) DESCRIBES HOW HEALTH INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN

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

Better Practice Guide Financial Considerations for Government use of Cloud Computing

Better Practice Guide Financial Considerations for Government use of Cloud Computing Better Practice Guide Financial Cnsideratins fr Gvernment use f Clud Cmputing Nvember 2011 Intrductin Many Australian Gvernment agencies are in the prcess f cnsidering the adptin f clud-based slutins.

More information

Disability Support Pension medical appeals. What are the medical criteria for Disability Support Pension?

Disability Support Pension medical appeals. What are the medical criteria for Disability Support Pension? Disability Supprt Pensin factsheet Disability Supprt Pensin medical appeals If yur applicatin fr Disability Supprt Pensin has been rejected n medical grunds, yu have the right t appeal. This factsheet

More information

Wire Transfer Request

Wire Transfer Request Wire Transfer Request Requirements and Instructins OFFICE OF DISBURSEMENTS Categry: Dcument Name: Payment Prcessing Wire Transfer Request - Requirements and Instructins Respnsible Department: Office f

More information

AP Digital Portfolio: Student User Guide for AP Capstone

AP Digital Portfolio: Student User Guide for AP Capstone AP Digital Prtfli: Student User Guide fr AP Capstne Lg in Using Yur Cllege Bard Username and Passwrd... 2 Enrll in an AP Seminar r AP Research Class at Yur Schl... 2 Access the AP Digital Prtfli... 4 Navigate

More information

Chile Takeover Guide. Contact. Roberto Guerrero V. Guerrero, Olivos, Novoa y Errázuriz, Santiago, Chile.

Chile Takeover Guide. Contact. Roberto Guerrero V. Guerrero, Olivos, Novoa y Errázuriz, Santiago, Chile. Chile Takever Guide Cntact Rbert Guerrer V. Guerrer, Olivs, Nva y Errázuriz, Santiag, Chile rguerrer@guerrer.cl Cntents Page INTRODUCTION 1 CHANGE OF CONTROL 1 CHANGE OF CONTROL THROUGH SHAREHOLDERS AGREEMENT

More information

Project Management Fact Sheet:

Project Management Fact Sheet: Prject Fact Sheet: Managing Small Prjects Versin: 1.2, Nvember 2008 DISCLAIMER This material has been prepared fr use by Tasmanian Gvernment agencies and Instrumentalities. It fllws that this material

More information

PADUA COLLEGE LIMITED ACN 072 693 700 ABN 20 072 693 700

PADUA COLLEGE LIMITED ACN 072 693 700 ABN 20 072 693 700 PADUA COLLEGE LIMITED ACN 072 693 700 ABN 20 072 693 700 Plicy Title Versin Number Date Issued Critical Incident Management Plicy 2.0 Nvember 2007 Reviewed April 2010 June 2015 Definitin Critical incidents

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

The Ohio Board of Regents Credit When It s Due process identifies students who

The Ohio Board of Regents Credit When It s Due process identifies students who Credit When It s Due/ Reverse Transfer FAQ fr students Ohi is participating in a natinal grant initiative, Credit When It s Due, designed t implement reverse-transfer, which is a prcess t award assciate

More information

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed? Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include

More information

The Cost Benefits of the Cloud are More About Real Estate Than IT

The Cost Benefits of the Cloud are More About Real Estate Than IT y The Cst Benefits f the Clud are Mre Abut Real Estate Than IT #$#%&'()*( An Osterman Research Executive Brief Published December 2010 "#$#%&'()*( Osterman Research, Inc. P.O. Bx 1058 Black Diamnd, Washingtn

More information

What Information Is Collected and How Is It Collected?

What Information Is Collected and How Is It Collected? RCI PRIVACY NOTICE RCI Pacific Pty Ltd is cncerned abut privacy issues and wants yu t be familiar with hw we cllect, use and disclse infrmatin. This Privacy Ntice describes ur practices in cnnectin with

More information

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES Prject Open Hand Atlanta Effective Date: April 14, 2003 Health Insurance Prtability and Accuntability Act (HIPAA) The Health Insurance Prtability and Accuntability Act f 1996 (HIPAA) directs health care

More information

Service Request Form

Service Request Form New Prfessinal Services Order Frm Editable PDF Service Request Frm If yu have any questins while filling ut this frm, please cntact yur CDM, email Prfessinal Services at PS@swipeclck.cm, r call 888-223-3250

More information

Hillsborough Board of Education Acceptable Use Policy for Using the Hillsborough Township Public Schools Network

Hillsborough Board of Education Acceptable Use Policy for Using the Hillsborough Township Public Schools Network 2361/Page 1 f 6 Hillsbrugh Bard f Educatin Acceptable Use Plicy fr Using the Hillsbrugh Twnship Public Schls Netwrk It is the gal f the HTPS (Hillsbrugh Twnship Public Schls) Netwrk t prmte educatinal

More information

CFD and Spot Forex Terms: Deposit Accounts

CFD and Spot Forex Terms: Deposit Accounts CFD and Spt Frex Terms: Depsit Accunts 1. Structure 1.1 When we engage in CFD r Spt Frex trading with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur CFD and Spt Frex Terms. 1.2 The

More information

UTR Ebook How to get your UTR Number

UTR Ebook How to get your UTR Number UTR Ebk Hw t get yur UTR Number Published by UTR.rg.uk inf@utr.rg.uk 1. What is a UTR Number Table f Cntents 2. Hw t Apply fr a UTR Number 3. What t d if yu have lst yur UTR Number 4. Self emplyed What

More information

Client Website Proposal, Quotation and Agreement (as dated)

Client Website Proposal, Quotation and Agreement (as dated) Client Website Prpsal, Qutatin and Agreement (as dated) Dr Mat Mackenzie www.matmackenzie.c.uk mat@matmackenzie.c.uk 07967 964178 01303 770340 1. Intrductin Client needs and summary f prpsed slutin. 2.

More information

In addition to assisting with the disaster planning process, it is hoped this document will also::

In addition to assisting with the disaster planning process, it is hoped this document will also:: First Step f a Disaster Recver Analysis: Knwing What Yu Have and Hw t Get t it Ntes abut using this dcument: This free tl is ffered as a guide and starting pint. It is des nt cver all pssible business

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

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information