Conditions under Chapter 2, Section 4 of the Postal Services Act (2010:1045).

Size: px
Start display at page:

Download "Conditions under Chapter 2, Section 4 of the Postal Services Act (2010:1045)."

Transcription

1 D DECISION 1(18) Date Our reference File appendix 14 October 2011 File ref.: Postal Affairs Department Åsa Gustafsson +46 (0) Posten AB SE Stockholm Licence conditions for Posten AB (corporate ID no ) The matter Conditions under Chapter 2, Section 4 of the Postal Services Act (2010:1045). Decision of the Swedish Post and Telecom Authority Posten AB s licence to conduct postal operations shall, pursuant to Chapter 2, Section 4 of the Postal Services Act, be subject to the conditions shown in this decision. If Posten AB contracts another party to completely or partly provide services covered by the licence, Posten AB shall ensure that the services are performed in accordance with the Postal Services Act, the Postal Services Ordinance, regulations issued under the Postal Services Act and also the licence conditions shown in this decision. Background Issues relating to licences shall be decided by the authority appointed by the Government ( the licensing authority ) (Chapter 2, Section 2 of the Postal Services Act). The Swedish Post and Telecom Authority () is the licensing authority under the Postal Services Act (Section 2 of the Postal Services Ordinance (2010:1049)). A licence to conduct postal operations may be granted subject to conditions pursuant to the more detailed provisions of Chapter 2, Section 4 of the Postal Services Act. The Swedish Post and Telecom Authority decided on 13 March 1997 ( File ref. 97/4769) that Posten AB shall be granted a licence to conduct postal operations under Section 4 of the Postal Services Act (1993:1684). On 30 September 2010, issued licence conditions under Chapter 2, Section 4 Swedish Post and Telecom Authority Postal address: Visiting address: Telephone: +46 (0) Box 5398 Valhallavägen 117 Fax: +46 (0) SE Stockholm

2 2(18) of the Postal Services Act (2010:1045), which applied up to and including 30 September 2011 (File ref ). On 30 September 2011, issued interim licence conditions that ceased to apply on 14 October 2011 (File ref ). hereby issues licence conditions to apply from and including 15 October LICENCE CONDITIONS 1. Provision of the universal postal service 1.1 Obligation to provide the universal postal service. Posten AB shall provide the universal postal service, the scope and implementation of which is indicated by Chapter 3, Sections 1 and 2 and Section 6 of the Postal Services Ordinance. According to Chapter 2, Section 4, item 2 of the Postal Services Act, a licence to conduct postal operations may be issued subject to conditions concerning the obligations of the licence holder to provide the entire or parts of the universal postal service in accordance with Chapter 3, Section 1 and to satisfy in a particular manner that prescribed there and by Chapter 3, Section 2. may for one or more licence holders link the licence to conduct postal operations with the above-mentioned conditions [Section 5 of the Postal Services Ordinance (SFS 2010:1049)]. makes the assessment that a provider of the universal service should be appointed so that all of the requirements imposed on this service will be satisfied (see Government Bill 2009/10:216, p. 52 f). This assessment has been made, among other things, in light of the fragility of the limited competition situation prevailing in the Swedish postal market, which does not allow to refrain from appointing a provider of the universal postal service. has also made the assessment that it is Posten AB that should provide the entire universal postal service in order to secure requirements for quality, national coverage, accessibility, pricing and reporting. There are a number of rules in the Postal Services Act that are only applicable to an appointed provider.

3 3(18) considers that these rules must be applied to Posten AB in order to maintain the above-mentioned requirements. A description is provided in Government Bill 2009/10:216 of among other things: overall postal service policy objectives; what is deemed to constitute the universal postal service; and requirements in respect of the service level to be offered for the service. Like the Government, does not consider that there is any reason to amend the scope of the universal postal service, for which reason the current scope shall remain (cf. Government Bill 2009/10:216, p. 45). 1.2 Clearance and delivery Posten AB shall ensure that postal items weighing up to and including 20 kg are cleared and delivered every normal Monday to Friday. In this context, weekends and public holidays also include Midsummer s, Christmas and New Year s Eve. The density of points of contact and access points shall take account of the needs of users. The universal service should have the same scope and should assure all users a service of the same quality as to date. This is indicated by Government Bill 2009/10:216, p. 42 ff. The basis is that the service level in respect of letterboxes and service points should remain unchanged compared with the preceding year, retaining accessibility throughout Sweden. (Cf. Posten AB s reporting obligation under Clause 4.2.) (Chapter 4, Section 2, item 2 and Chapter 3, Section 1, items 1 and 2) 1.3 Routing times At least 85 per cent of letters deposited for overnight delivery before the latest point in time for deposit and for which the sender has paid the price applicable for overnight delivery shall have been distributed within Sweden on the

4 4(18) following working day through the agency of Posten AB and irrespective of where they were deposited in Sweden. At least 97 per cent of the letters shall have been distributed within three working days. The common European Standard EN (Postal services Quality of service Measurement of the transit time of end-to-end services for single piece priority mail and first class mail) 1 shall apply when measuring routing times for individual mail items. The purpose of this condition is to ensure that routing times for letters within Sweden are adapted to the base level required for cross-border mail under the Postal Services Directive. When assessing whether this condition has been fulfilled, assumes that the methods for measuring routing times, which Posten AB applies at the time the licence conditions enter into force, are satisfactory. These methods may not be changed without the written consent of. (Chapter 2, Section 4, item 2 and Chapter 3, Section 1, item 3 of the Postal Services Act together with Section 6 of the Postal Services Ordinance) 1.4 Prices Posten AB shall provide the universal postal service at prices that are reasonable, transparent, non-discriminatory and cost-oriented. It should be possible for everyone to receive postal items conveyed at reasonable prices in accordance with Chapter 1, Section 2 of the Postal Services Act. Reasonable prices means that the prices should not be onerous. Requirements for prices to be transparent and non-discriminatory were incorporated into Chapter 3, Section 2 of the Postal Services Act in The meaning of this is shown by Government Bill 2009/10:216, p. 55 ff. In the opinion of, transparent prices means, for example, that the public price lists should cover all of the volume intervals applied by Posten AB and that all 1 The European Committee for Standardization (CEN) is responsible for this standard

5 5(18) performance-based discounts offered to users are reported transparently (see also items 1.5 and 1.6 below). Non-discriminatory pricing means, for example, that prices and other conditions shall be applied equally in relation to the various parties to the contract, both actual and potential parties. Such parties to the contract may, for example, be corporate customers, consolidators of mail for various users and other postal operators. Discounts and other special conditions shall thus be offered to all users on the same terms. The term cost-oriented prices is defined in p. 58 ff of the same Government Bill. In the opinion of, cost-oriented prices in the 2010 Postal Services Act shall be understood to be the same as prices geared to costs under the 1993 Postal Services Act. There is also a requirement linked to cost orientation for pricing to promote the effective provision of a universal postal service (Chapter 3, Section 2 of the Postal Services Act). In order for to be able to effectively monitor compliance with the rules and regulations for pricing, Posten AB shall show the costs on which these prices are based (Chapter 3, Section 2 of the Postal Services Act). The principles for costings and reporting are set out in items 6.1 to 6.3 of these licence conditions. (Chapter 2, Section 4, item 2 and Chapter 4, Section 2 of the Postal Services Act) 1.5 Transparency relating to prices and other conditions Posten AB should make available to the public the general conditions for those services included in the universal postal service. Prices and any discounts shall be offered to anyone who satisfies the conditions therefor and the said conditions should be publicly available. A user who requests price information (with or without discounts) is entitled to receive this information in writing on request. In the same way, a user is entitled to receive a written contract on request.

6 6(18) According to Article 6 of the Postal Services Directive, 2 Member States shall take steps to ensure that users are regularly given sufficiently detailed and up-to-date information by the universal service provider(s) regarding the particular features of the universal services offered, with special reference to the general conditions of access to these services as well as to prices and quality standard levels. In the opinion of, this information should be published in an appropriate manner and be easily accessible for customers (Chapter 3, Section 1, item 6 of the Postal Services Act). In addition, the principle of nondiscrimination shall be observed under Chapter 3, Section 2 of the Postal Services Act. This condition means, among other things, that Posten s public price lists shall include all of the volume intervals applied by Posten AB. The requirement that users which in practice means those Posten AB customers that have an individually negotiated agreement are entitled to be offered prices and discounts in writing and similarly a written contract may be viewed as a matter of course, although it has been specified in the licence conditions for the sake of clarity. (See Chapter 2, Section 4, item 2, Chapter 3, Section 1, item 6 and Chapter 3, Section 2 of Postal Services Act) 1.6 Discounts and other special conditions, etc. Posten AB shall transparently report on the principles forming the basis of the calculation of special prices (if these deviate from the official price list) and performance-based discounts. In the same way, Posten AB shall also transparently report on the principles for other special conditions that deviate from the official conditions/general conditions. Posten AB shall thus transparently report on all performance-based discounts that users can receive, stating: 2 Directive 97/67/EC of the European Parliament and of the Council of 15 December 1997 on common rules for the development of the internal market of Community postal services and the improvement of quality of service, last amended by Directive 2008/6/EC of the European Parliament and of the Council.

7 7(18) the term of the discount, the maximum discount, the interval applicable to various stages of discount (provided such apply). Any surcharges shall be transparently reported in a corresponding way. This information shall be provided on Posten AB s website. If users are offered discounts other than those published on Posten AB s website, these shall be reported in writing to no later than on the 5 th of the following month, stating the name and organisation ID number of the user, together with the reasons for and amount of the discount. If a user is offered special conditions that are not displayed on Posten AB s website, these shall be reported in writing to no later than on the 5 th of the following month, stating the name and organisation ID number of the user. If Posten AB applies special prices and other special conditions, these shall be transparent and non-discriminatory according to Chapter 3, Section 2, third paragraph of the Postal Services Act. It is stated on page 57 of Government Bill 2009/10:216 that all users are entitled to such special prices and special conditions if they satisfy the preconditions therefor. The principles applicable to prices, discounts and other conditions, as well as combinations of these, are therefore required to be transparently and clearly reported to users. Parameters that may form part of the assessment include volume, level of pre-sorting and the point in time for deposit. Other parameters may also come into question, though only subject to the precondition that they can be justified in light of the impact they may have on the costs. The reason for specifying the maximum discount is that users can then at least assess the reasonableness of the discount that may be obtained under certain specified circumstances.

8 8(18) The reason for requiring the various intervals to be specified is that users should be aware that their discount may increase or reduce at a certain given point. On the other hand, there is no need for Posten AB to publish the exact prices in the various discount intervals but, as previously mentioned, Posten AB just has to specify the maximum discount for the highest interval. A user who wants to refer to the discounts offered may contact Posten AB s sales organisation to conclude an agreement regarding the discount/final price. The prices stated in the official price list are otherwise assumed to apply. As indicated by item 1.5, the user is entitled to receive this information in writing on request (both the quote and contract). The main principle is that all discounts and conditions shall be offered to all users on Posten AB s website. However, there may also be reasons to provide discounts (or other conditions) in other cases, for example for certain unique solutions. To avoid this possibility being abused, a report shall be delivered every calendar month to of each offer of this kind (including price, discount or special conditions that are not displayed on Posten AB s website). The full wording of the special conditions shall be reported. If the condition has only been issued verbally, the authority shall be specifically notified of this, including the meaning of the condition. The first report of discounts and special conditions that are not published on Posten AB s website shall be made no later than 5 th November 2011 and encompass decisions made from and including 15 October will deal with the information in accordance with the secrecy provisions applicable at any given time. (Chapter 2, Section 4, item 2, Chapter 3, Section 1 of the Postal Services Act and Chapter 3, Section 2 of the Postal Services Act) 2. Reliability 2.1 Privacy and security Posten AB shall ensure that:

9 9(18) a) addressed mail items are handled so that they are not damaged through external impact during handling or by the weather and wind b) mail items are handled observing established distribution procedures so that they are not unnecessarily exposed to unauthorised persons or left unattended in a way that entails a risk from the perspective of privacy c) the protection of the senders and recipients privacy shall be maintained by relevant staff having adequate knowledge of both the rules relating to the duty of confidentiality and the protection of privacy that the postal secrecy contained in Chapter 4, Section 8 of the Swedish Penal Code seeks to provide, and that d) the premises where addressed mail items are handled satisfy reasonable requirements in respect of security. These conditions entail a clarification of Chapter 2, Section 6 of the Postal Services Act. (Chapter 2, Section 4, item 1 of the Postal Services Act) 3 Dealing with complaints 3.1 Publishing complaints Each year Posten AB shall publish information about the number of complaints and how complaints have been dealt with. The information for a calendar year shall be published no later than 30 April of the following year. Chapter 2, Section 4, item 3 states that certain information about complaints shall be made public. In addition, complaints shall also be made public under Chapter 4, Section 12 of the Postal Services Act by the party appointed to provide the universal postal service. Making information public means that this information shall be published on Posten AB s website, so that it is easy for the general public to access the information. Posten AB should state when publishing how the term complaint has been defined.

10 10(18) 4. Disclosure requirements 4.1 Reporting changes to the organisation, amended conditions, operational disruptions, etc. Posten AB shall promptly notify of: all significant changes to the organisation, planned changes to the service conditions and prices, serious operational disruptions, for example, during clearance, distribution, sorting and transport, events, such as sabotage, theft, fire, fraud and the like. has an overall responsibility within the area of postal services and the area of electronic communications. 3 Within the area of postal services, the Government has assigned the authority to: promote the availability of a properly functioning universal postal service for everyone in accordance with the objectives set out in the Postal Services Act, continuously monitor developments and monitor that postal services satisfy public needs, promote effective competition, monitor price trends, consider issues concerning licences and exercise supervision under the Postal Services Act, and also promote the efficient operation of the postal market from the perspective of both consumer and regional growth policy. needs to have access to Posten AB s strategic documents and to have information about how the management is working to realise these plans to enable the authority to fulfil its assignment. Posten AB shall therefore keep informed about the operation's organisation, content and such individual circumstances or events that may have an impact on the reliability or quality of the operation. s assignment to supervise the Postal Services Act includes monitoring prices and also applying special conditions. The 3 Ordinance (2007:951) with instructions for

11 11(18) authority therefore needs to have information about planned changes to service conditions and prices without delay in order to fulfil its assignment. (Chapter 2, Section 4, items 1 and 2, Chapter 2, Section 6 and Chapter 3, Section 2 of the Postal Services Act) 4.2 Reporting service points, etc. Posten AB shall report the following to upon request and usually once per year: the number of service points, the type of service point, and the number of public letterboxes. Posten AB shall report the following to in good time: all planned withdrawals of letterboxes and service points (points of contact and access points), indicate the alternatives being offered to those users affected, and also report on other significant changes to the service network. The alternatives notified to those users affected shall be reasonable on an overall assessment. The universal service should have the same scope and assure all users of a service of the same quality as to date. This is indicated by p. 42 ff of Government Bill 2009/10:216. The density of points of contact and access points shall take account of the needs of users under Chapter 3, Section 1, item 2 of the Postal Services Act. (Chapter 2, Section 4, item 2 and Chapter 3, Section 1, item 2 of the Postal Services Act) 4.3 Reporting exemptions from the 5-day rule Posten AB shall make an annual report to regarding the number of residential customers that do not have five day deliveries. However, the report

12 12(18) shall not include those residential customers who are willing not to have fiveday deliveries. The universal service means, for example, that a distribution shall take place on every working day and at least five days a week for recipients. Special circumstances or geographical conditions may result in the licensing authority granting an exemption. In order to protect the quality of the universal service, it is important that exemptions are granted restrictively. For this reason, there should be no increase in the number of residential customers without a daily service. (Chapter 2, Section 4, item 2 and Chapter 3, Section 1, item 1 of the Postal Services Act) 5. Postal services for persons with functional impairments Posten AB shall consider the need of special postal services for persons with functional impairments. Posten AB shall submit a tender with cost-oriented prices in the event that implements a procurement of postal services for persons with functional impairments. Posten AB shall consider in its operation the need of special postal services for persons with disabilities (Chapter 2, Section 4, item 4 of the Postal Services Act). This requirement covers: an extended service outside the urban area; acting as an intermediary for the dispatch of literature for people with visual impairments; and postal services that are of particular importance for persons with disabilities. Extended postal service means that, on account of age or functional impairment, a postal service is provided right up to the home of persons who normally have their post distributed a certain distance from their home.

13 13(18) The meaning of cost-oriented prices is indicated by Chapter 3, Section 2 of the Postal Services Act and page 59 of Government Bill 2009/10:216. The above-mentioned services shall be dealt with as special arrangements via a procurement procedure. This licence condition secures the need of special postal services for persons with functional impairments since there will in all circumstances will be at least one tenderer for any procurements and it also clarifies that this tenderer cannot charge excessive prices for the services offered. In this context, persons with disabilities also refers to persons over the age of 80. It is stated in the comments to the Act that Chapter 2, Section 4 corresponds to Chapter 5 b, Section 4 of the 1993 Postal Services Act. More detailed reasons are shown in the travaux préparatoires to this Postal Services Act (Government Bill 1997/98:127, p. 38 f and 48). The need to secure postal services for persons with functional impairments still applies. 6. Costings and reporting 6.1 General Posten AB s reporting and costings shall allow prices for services included in the universal postal service to be checked for whether they are reasonable, nondiscriminatory and cost-oriented. In this item 6, universal postal service means the conveyance of letters and other addressed mail items that weigh up to and including 20 kg. This condition has been imposed to enable to verify that Posten AB is satisfying the conditions under item 1.4 pursuant to Article 12 of the Postal Services Directive. (Chapter 2, Section 4, item 2 and Chapter 4, Section 2 of the Postal Services Act)

14 14(18) 6.2 Costing system Posten AB shall report costs and revenues for each individual service included in the universal postal service in a documented and transparent costing system on the basis of consistently applied and objectively justifiable cost accounting principles. It must be possible to deduce costs and revenues from audited annual accounts. These shall state which allocators have been used and the amounts that are thereby allocated to the services affected. It shall thus be possible to calculate the cost of each individual service included in the universal postal service. Changes in relation to the previous year shall also be reported. All readjustment, development, and extraordinary items shall be clearly reported. The same applies to all group adjustments and other changes. For common functions relating to the operations in different countries, the allocation of costs and underlying principles for allocation between the respective country s operations shall be clearly reported. In the costing system referred to above, costs shall be allocated to each of the services in the following manner: a) costs which can be directly assigned to a particular service shall be so assigned. b) common costs (i.e. costs which cannot be directly assigned to a particular service) shall be allocated as follows. i) whenever possible, common costs shall be allocated on the basis of direct analysis of the origin of the costs themselves. ii) when direct analysis is not possible, common cost categories shall be allocated on the basis of an indirect linkage to another cost category or group of cost categories for which a direct assignment or allocation is possible; the indirect linkage shall be based on comparable cost structures. iii) when neither direct nor indirect measures of cost allocation can be found, the cost category shall be allocated on the basis of a general allocator computed by using the ratio of all expenses directly or indirectly assigned or allocated, on the one hand, to each of the universal services and, on the other hand, to the other services.

15 15(18) iv) common costs, which are necessary for the provision of both universal services and non-universal services, shall be allocated appropriately; the same cost drivers must be applied to both universal and non-universal services. A transparent costing system also refers to those estimates forming the basis of Posten AB s pricing. Posten AB must be able to show the principles according to which the services pricing has been made. Individual service means a service specified in the official price lists. Posten AB shall also be able to report on the internal pricing of production elements sold within the group. This condition entails a clarification of the principles contained in Article 14 of the Postal Services Directive and Chapter 3, Section 2 of the Postal Services Act. (Chapter 2, Section 4 of the Postal Services Act.) (Chapter 2, Section 4, item 2 and Chapter 3, Section 2 of the Postal Services Act) 6.3 Disclosure requirements, etc. Posten AB shall submit documentation to upon request that ensues from the above-mentioned principles for accounting costs, revenues, etc. contained in item 6.2. In addition, Posten AB, in the manner requested by, shall give the authority access to the supporting documents for the production of all data in the costing system. Posten AB is obliged to annually report to any changes made to costing and internal settlement principles or the like. Posten AB shall submit an auditable basis for costings to no later than 30 June. Specific product estimates shall be provided within one month upon request from. s examination shall include assessing the reliability of the data on which Posten AB s costing system is based, for which reason the above-mentioned documentation is required for compliance with s assignment. 30 June is an appropriate final date for the completion of some of these documents to enable to satisfy its annual reporting obligation to the Government regarding, for example, the supervision of the universal postal service and following up price objectives and price trends for other postal services.

16 16(18) shall deal with the information in accordance with the secrecy provisions applicable at any given time. (Chapter 2, Section 4, item 2 and Chapter 3, Section 2, cf. Chapter 4, Section 14 of the Postal Services Act) 7. Total Defence requirement The licence holder shall perform emergency response measures for the Swedish Total Defence following an order from and in return for cost-oriented compensation. See Chapter 2, Section 4, item 5 of the Postal Services Act 8. The term of the licence conditions These licence conditions apply up to and including 30 September 2012, unless otherwise prescribed by item 9 below. The conditions for the licence may be reconsidered after the said date. Licence conditions shall under Chapter 2, Section 5 of the Postal Services Act apply for a fixed term and may be issued in conjunction with the granting of a licence, in conjunction with the term of conditions previously issued expiring or where there are otherwise special reasons.

17 17(18) 9. Reservations 9.1 Amendments relating to costings and reporting reserves the right to issue amended conditions during the term of the conditions relating to the requirement for costings and reporting contained in Section 6. It is important for to be able to rapidly take into account experience from the authority's ongoing review and through possibly adjusting the conditions in this respect ensure that they are as appropriate as possible. 9.2 Amendments owing to statutory amendments, etc. reserves the right to issue new or amended conditions during the term of the conditions if is given new powers to issue licence conditions by an amendment of the Postal Services Act or Postal Services Ordinance or if an amendment is called for in the opinion of owing to a decision issued by a court.

18 18(18) Information on appeals If you wish to make an appeal against this decision, you must write to the Administrative Court (Förvaltningsrätten) in Stockholm. However, the letter must be sent to the Swedish Post and Telecom Authority, Box 5398, SE Stockholm, Sweden. In your letter, explain which decision you are appealing against by indicating the number of the decision. Also explain how you consider the decision should be changed. The letter must be signed. must have received your appeal within three weeks from the date on which you received the decision. Otherwise the appeal cannot be considered. will forward the appeal to the Administrative Court in Stockholm for consideration if does not itself amend the decision in the manner you have requested. Please contact if anything is unclear. This decision was made by Sten Selander, Head of Department. Åsa Gustafsson, Senior Legal Adviser, also participated in the final processing of the matter.

GENERAL TERMS OF CONTRACT FOR CONSULTANCY ASSIGNMENT WITH PTS

GENERAL TERMS OF CONTRACT FOR CONSULTANCY ASSIGNMENT WITH PTS GENERAL TERMS OF CONTRACT FOR CONSULTANCY ASSIGNMENT WITH PTS Scope Clause 1 These terms shall be applied unless otherwise agreed between the parties. Definitions Clause 2 In these terms The Contract Working

More information

PRIMARY DEALER AGREEMENT REGARDING SWEDISH TREASURY BILLS

PRIMARY DEALER AGREEMENT REGARDING SWEDISH TREASURY BILLS PRIMARY DEALER AGREEMENT REGARDING SWEDISH TREASURY BILLS 29 November 2013 [THE PRIMARY DEALER] and THE KINGDOM OF SWEDEN REPRESENTED BY RIKSGÄLDSKONTORET NOTICE: This is an unofficial translation of the

More information

PRIMARY DEALER AGREEMENT REGARDING SWEDISH GOVERNMENT BONDS

PRIMARY DEALER AGREEMENT REGARDING SWEDISH GOVERNMENT BONDS PRIMARY DEALER AGREEMENT REGARDING SWEDISH GOVERNMENT BONDS 29 November 2013 [THE PRIMARY DEALER] and THE KINGDOM OF SWEDEN REPRESENTED BY RIKSGÄLDSKONTORET NOTICE: This is an unofficial translation of

More information

Company Agreement for airline services

Company Agreement for airline services Company Agreement for airline services Between The Customer And Scandinavian Airlines System Denmark-Norway-Sweden 1 Contents 1 Company Agreement for airline services...3 1.1 Content and scope of the Agreement...3

More information

RULES OF PROCEDURE FOR THE BOARD OF DIRECTORS, THE EXECUTIVE CHAIRMAN AND THE GENERAL MANAGER IN DOLPHIN GROUP ASA

RULES OF PROCEDURE FOR THE BOARD OF DIRECTORS, THE EXECUTIVE CHAIRMAN AND THE GENERAL MANAGER IN DOLPHIN GROUP ASA RULES OF PROCEDURE FOR THE BOARD OF DIRECTORS, THE EXECUTIVE CHAIRMAN AND THE GENERAL MANAGER IN DOLPHIN GROUP ASA ADOPTED BY THE BOARD OF DIRECTORS ON 27 APRIL 2015 1. THE BOARD OF DIRECTORS The Board

More information

Appendix 11 - Swiss Data Protection Act

Appendix 11 - Swiss Data Protection Act GLEIF- LOU Restricted Appendix 11 - Swiss Data Protection Act GLEIF Revision Version: 1.0 2015-09-23 Master Copy page 2 of 11 Applicable Provisions of the Swiss Data Protection Act (DPA) including the

More information

Definition of the postal infrastructure in Sweden.

Definition of the postal infrastructure in Sweden. DATE August, 2000 Definition of the postal infrastructure in Sweden. Post- och telestyrelsen (National Post and Telecom Agency) P.O. Box 5398 SE-102 49 Stockholm, Sweden Phone: +46 8 678 55 00, Fax: +46

More information

Part 1. Scope and definitions of this Act

Part 1. Scope and definitions of this Act 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

More information

Standard conditions of the Electricity Distribution Licence

Standard conditions of the Electricity Distribution Licence Gas and Electricity Markets Authority ELECTRICITY ACT 1989 Standard conditions of the Electricity Distribution Licence Statutory Consultation: 29 April 2008 SECTION A: STANDARD CONDITIONS FOR ALL ELECTRICITY

More information

NORTHERN TERRITORY ELECTRICITY RING-FENCING CODE

NORTHERN TERRITORY ELECTRICITY RING-FENCING CODE NORTHERN TERRITORY ELECTRICITY RING-FENCING CODE JULY 2001 Table of Provisions Clause Page 1. Authority...2 2. Application...2 3. Objectives...2 4. Ring-Fencing Minimum Obligations...2 5. Compliance with

More information

Personal Data Act (1998:204);

Personal Data Act (1998:204); 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

More information

Consolidated Insurance Mediation Act 1

Consolidated Insurance Mediation Act 1 Consolidated Insurance Mediation Act 1 Act no. 930 of 18 September 2008 This is an Act to consolidate the Insurance Meditation Act, cf. Consolidated Act no. 401 of 25 April 2007, as amended by section

More information

Statutory Notification: essential condition

Statutory Notification: essential condition Annex 13 Statutory Notification: essential condition NOTIFICATION OF DECISION TO IMPOSE A REGULATORY CONDITION IN ACCORDANCE WITH SECTION 49 OF, AND PARAGRAPH 3 OF SCHEDULE 6 TO, THE POSTAL SERVICES ACT

More information

Royal Mail s International Signed For services. Licence modification proposal explanatory paper and statutory consultation

Royal Mail s International Signed For services. Licence modification proposal explanatory paper and statutory consultation Royal Mail s International Signed For services Licence modification proposal explanatory paper and statutory consultation November 2010 Summary 1. In light of the proposal by Her Majesty s Revenue and

More information

Statutes in translation Please note that this translations are not official translations. The translation is furnished for information purposes only

Statutes in translation Please note that this translations are not official translations. The translation is furnished for information purposes only Statutes in translation Please note that this translations are not official translations. The translation is furnished for information purposes only and the documents are not legal documents. The texts

More information

NORD POOL CLEARING ASA

NORD POOL CLEARING ASA CLEARING RULES FOR FINANCIAL ELECTRICITY CONTRACTS NORD POOL CLEARING ASA Clearing Rules -Table of Contents: I. CLEARING TERMS 1. INTRODUCTION... 3 2. THE CLEARING RULES... 3 3. GENERAL INTERPRETATION

More information

Finansinspektionen s Regulatory Code

Finansinspektionen s Regulatory Code Finansinspektionen s Regulatory Code Publisher: Finansinspektionen, Sweden, www.fi.se ISSN 1102-7460 This translation is furnished for information purposes only and is not itself a legal document. Finansinspektionen's

More information

Unauthorised translation 1(5)

Unauthorised translation 1(5) Unauthorised translation 1(5) Articles of Association of Nordea Bank AB (publ) registration no 516406-0120 (previously 556547-0977) including confirmed and registered amendments up to and including 12

More information

Remark and administrative fine

Remark and administrative fine 2013-04-15 DECISION Nordea Bank AB FI Ref. 12-7237 Attn: Chairman of the Board of Directors 105 71 STOCKHOLM Remark and administrative fine Finansinspektionen s decision (to be announced on 16 April 2013

More information

SUBSIDIARY LEGISLATION PROCESSING OF PERSONAL DATA (ELECTRONIC COMMUNICATIONS SECTOR) REGULATIONS

SUBSIDIARY LEGISLATION PROCESSING OF PERSONAL DATA (ELECTRONIC COMMUNICATIONS SECTOR) REGULATIONS [S.L.440.01 1 SUBSIDIARY LEGISLATION 440.01 REGULATIONS 15th July, 2003 LEGAL NOTICE 16 of 2003, as amended by Legal Notices 153 of 2003, 522 of 2004, 109 of 2005, 426 of 2007, 198 of 2008, 239 of 2011

More information

Finansinspektionen's Regulations

Finansinspektionen's Regulations Finansinspektionen's Regulations Publisher: Gent Jansson, Finansinspektionen, Box 6750, 113 85 Stockholm. Ordering address: Thomson Fakta AB, Box 6430, 113 82 Stockholm. Tel +46 8-587 671 00, Fax +46 8-587

More information

SERVICE CONTRACT 1. Department ITAT Cost centre???/2014-00532

SERVICE CONTRACT 1. Department ITAT Cost centre???/2014-00532 SERVICE CONTRACT 1 Date: 2014-03-dd Ref. no.: 2014-00532 Principal Swedish Governmental Agency for Innovation Systems VINNOVA Corporate identification number 202100-5216 Visiting address Mäster Samuelsgatan

More information

LAW no.506/2004 on the processing of personal data and the protection of privacy in the electronic communications sector 1

LAW no.506/2004 on the processing of personal data and the protection of privacy in the electronic communications sector 1 LAW no.506/2004 on the processing of personal data and the protection of privacy in the electronic communications sector 1 Article 1 General provisions (1) This Law establishes the specific conditions

More information

This document is meant purely as a documentation tool and the institutions do not assume any liability for its contents

This document is meant purely as a documentation tool and the institutions do not assume any liability for its contents 2004R0550 EN 04.12.2009 001.001 1 This document is meant purely as a documentation tool and the institutions do not assume any liability for its contents B REGULATION (EC) No 550/2004 OF THE EUROPEAN PARLIAMENT

More information

Posting agreement. for salaried employees Technical areas

Posting agreement. for salaried employees Technical areas Posting agreement for salaried employees Technical areas Table of Contents Posting agreement for salaried employees Technical areas... 3 Section 1 Scope of application of the Agreement and period of validity...

More information

St Margaret s CE Primary school, Withern Data Protection Policy

St Margaret s CE Primary school, Withern Data Protection Policy St Margaret s CE Primary school, Withern Data Protection Policy Reference Points Data Protection Act 1998 See https://www.gov.uk/data-protection/the-data-protection-act Information Commissioners' Office

More information

Standard conditions of electricity supply licence

Standard conditions of electricity supply licence Gas and Electricity Markets Authority ELECTRICITY ACT 1989 Standard conditions of electricity supply licence SECTION A: STANDARD CONDITIONS FOR ALL SUPPLIERS Standard conditions 1 to 6: General arrangements

More information

ACT on Payment Services 1 ) 2 ) of 19 August 2011. Part 1 General Provisions

ACT on Payment Services 1 ) 2 ) of 19 August 2011. Part 1 General Provisions ACT on Payment Services 1 ) 2 ) of 19 August 2011 Part 1 General Provisions Article 1. This Act sets out rules for the provision of payment services, including: 1) the conditions for provision of payment

More information

VESTEL ELEKTRONİK SANAYİ VE TİCARET A.Ş. PUBLIC DISCLOSURE POLICY

VESTEL ELEKTRONİK SANAYİ VE TİCARET A.Ş. PUBLIC DISCLOSURE POLICY VESTEL ELEKTRONİK SANAYİ VE TİCARET A.Ş. PUBLIC DISCLOSURE POLICY Scope: Pursuant to the Capital Markets Legislation, Corporate Governance Principles and Company s Articles of Association, Vestel Elektronik

More information

BANKING UNIT BANKING RULES OUTSOURCING BY CREDIT INSTITUTIONS AUTHORISED UNDER THE BANKING ACT 1994

BANKING UNIT BANKING RULES OUTSOURCING BY CREDIT INSTITUTIONS AUTHORISED UNDER THE BANKING ACT 1994 BANKING UNIT BANKING RULES OUTSOURCING BY CREDIT INSTITUTIONS AUTHORISED UNDER THE BANKING ACT 1994 Ref: BR/14/2009 OUTSOURCING BY CREDIT INSTITUTIONS AUTHORISED UNDER THE BANKING ACT 1994 INTRODUCTION

More information

ELECTRICITY MARKET ACT

ELECTRICITY MARKET ACT 1 NB: Unofficial translation Ministry of Trade and Industry, Finland ELECTRICITY MARKET ACT (386/1995; amendments up to 1172/2004 included) In accordance with a decision by Parliament, the following is

More information

Finansinspektionen s Regulatory Code

Finansinspektionen s Regulatory Code Finansinspektionen s Regulatory Code Publisher: Finansinspektionen, Sweden, www.fi.se ISSN 1102-7460 This translation is furnished for informational purposes only and is not itself a legal document. Finansinspektionen's

More information

General Terms and Conditions for Providing Advertising Space on Websites Operated by BURDA Praha spol. s r.o.

General Terms and Conditions for Providing Advertising Space on Websites Operated by BURDA Praha spol. s r.o. General Terms and Conditions for Providing Advertising Space on Websites Operated by BURDA Praha spol. s r.o. Preamble These General Terms and Conditions for Providing Advertising Space on Websites Operated

More information

Recommendation no. 10. Handling of certain types of conflict of interest

Recommendation no. 10. Handling of certain types of conflict of interest Recommendation no. 10. Handling of certain types of conflict of interest Adopted by the board of the Norwegian Securities Dealers Association on 8 April 2014. 1 1. Introduction In banks 1 that provide

More information

END USER LICENSE AGREEMENT DATABASE MANAGEMENT TOOL LICENSE

END USER LICENSE AGREEMENT DATABASE MANAGEMENT TOOL LICENSE END USER LICENSE AGREEMENT DATABASE MANAGEMENT TOOL LICENSE IMPORTANT: BY INSTALLING THIS SOFTWARE THE LICENSEE ACCEPTS THE TERMS AND CONDITIONS CONTAINED HEREIN AND THIS AGREEMENT ENTERS INTO FORCEBETWEEN

More information

Act on the Supervision of Financial Institutions etc. (Financial Supervision Act)

Act on the Supervision of Financial Institutions etc. (Financial Supervision Act) FINANSTILSYNET Norway Translation update January 2013 This translation is for information purposes only. Legal authenticity remains with the official Norwegian version as published in Norsk Lovtidend.

More information

Presentation of Posten AB's new service network

Presentation of Posten AB's new service network PTS-ER-2004:38 PTS-ER-2006:37 Presentation of Posten AB's new service network a presentation in English of PTS reports on access to the new postal network Contents Summary...3 Background...3 The assignment

More information

Glyncoed Primary School. Data Protection Policy

Glyncoed Primary School. Data Protection Policy Glyncoed Primary School Data Protection Policy Date agreed: March 2015 Review date: March 2017 1 Data Protection Policy Glyncoed Primary School collects and uses personal information about staff, pupils,

More information

General Terms and Conditions Regarding Accepting Ticket solutions for Meal and/or Sports and Cultural Services

General Terms and Conditions Regarding Accepting Ticket solutions for Meal and/or Sports and Cultural Services General Terms and Conditions Regarding Accepting Ticket solutions for Meal and/or Sports and Cultural Services 1. Purpose and Scope 1.1 The General Terms and Conditions shall be applicable to a contractual

More information

AGREEMENT AUTHORISED DEALER OF SWEDISH GOVERNMENT BONDS. Our ref. /01. with

AGREEMENT AUTHORISED DEALER OF SWEDISH GOVERNMENT BONDS. Our ref. /01. with Our ref. /01 The following is a translation of the Agreement with Authorised Dealer of Swedish Government Bonds in the Swedish language. In the case of any inconsistency between the following English translation

More information

GENERAL CONDITIONS FOR SALE OF ELECTRICITY TO DOMESTIC CONSUMERS

GENERAL CONDITIONS FOR SALE OF ELECTRICITY TO DOMESTIC CONSUMERS 27 February 2015 1 (9) GENERAL CONDITIONS FOR SALE OF ELECTRICITY TO DOMESTIC CONSUMERS GENERAL CONDITIONS prepared by Svensk Energi following agreement with the Swedish Consumer Agency. 1. Introductory

More information

The board of directors proposal in accordance with above comprises the following proposals and information: Appendix A. Appendix B

The board of directors proposal in accordance with above comprises the following proposals and information: Appendix A. Appendix B N.B. The English text is an in-house translation of the original Swedish text. Should there be any disparities between the Swedish and the English text, the Swedish text shall prevail. The board of directors

More information

Bank of Brodhead PO Box 108 806 E Exchange St Brodhead WI 53520-0108

Bank of Brodhead PO Box 108 806 E Exchange St Brodhead WI 53520-0108 Bank of Brodhead PO Box 108 806 E Exchange St Brodhead WI 53520-0108 Consumer Internet Banking Agreement and Disclosures 1. Coverage. This Agreement applies to your use of our Online Banking Service ("Internet

More information

DATA PROTECTION POLICY

DATA PROTECTION POLICY Reference number Approved by Information Management and Technology Board Date approved 14 th May 2012 Version 1.1 Last revised N/A Review date May 2015 Category Information Assurance Owner Data Protection

More information

Page 1 of 15. Terms and conditions for account management, collateralisation and participation in Norges Bank s settlement system (NBO)

Page 1 of 15. Terms and conditions for account management, collateralisation and participation in Norges Bank s settlement system (NBO) Page 1 of 15 Terms and conditions for account management, collateralisation and participation in Norges Bank s settlement system (NBO) Page 2 of 15 1 Introductory provisions... 3 1.1 Scope... 3 1.2 Changes

More information

UNOFFICIAL CONSOLIDATION AND TRANSLATION OF LAWS 128(I) OF 2009 AND 52(I) OF 2010 THE PAYMENT SERVICES LAWS OF 2009 TO 2010

UNOFFICIAL CONSOLIDATION AND TRANSLATION OF LAWS 128(I) OF 2009 AND 52(I) OF 2010 THE PAYMENT SERVICES LAWS OF 2009 TO 2010 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

More information

Terms and conditions for warrants 2016/2019

Terms and conditions for warrants 2016/2019 The English text is an unofficial translation of the Swedish original. In case of any discrepancies between the Swedish text and the English translation, the Swedish text shall prevail. Terms and conditions

More information

Dispute Resolution Guidelines. Ofcom s guidelines for the handling of regulatory disputes

Dispute Resolution Guidelines. Ofcom s guidelines for the handling of regulatory disputes Dispute Resolution Guidelines Ofcom s guidelines for the handling of regulatory disputes Guidelines Publication date: 7 June 2011 Contents Section Page 1 Scope of these Guidelines 1 2 Overview of Ofcom

More information

The Civil Aviation (Air Travel Organisers Licensing) Regulations 2012

The Civil Aviation (Air Travel Organisers Licensing) Regulations 2012 STATUTORY INSTRUMENTS 2012 No. 1017 CIVIL AVIATION The Civil Aviation (Air Travel Organisers Licensing) Regulations 2012 Made - - - - 2nd April 2012 Laid before Parliament 4th April 2012 Coming into force

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Scandinavian Airlines (SAS) Regulations of the SAS Credits Program

Scandinavian Airlines (SAS) Regulations of the SAS Credits Program Scandinavian Airlines (SAS) Regulations of the SAS Credits Program 1 1. Part One. Regulations of the SAS Credits Program.... 3 1.1 The Content and Scope of the Regulations.... 3 1.2 General Information

More information

Svenska Handelsbanken AB FI Ref. 13-1783 through Chair of Board Service no. 1. Finansinspektionen's decision (to be issued on 19 May 2015 at 08.

Svenska Handelsbanken AB FI Ref. 13-1783 through Chair of Board Service no. 1. Finansinspektionen's decision (to be issued on 19 May 2015 at 08. 18 May 2015 DECISION Svenska Handelsbanken AB FI Ref. 13-1783 through Chair of Board Service no. 1 106 70 STOCKHOLM Remark and administrative fine Finansinspektionen's decision (to be issued on 19 May

More information

Appendix A. Appendix B. Appendix B(i) Terms and conditions for Orexo AB s warrants 2009/2016. Appendix C. Appendix D. Appendix E.

Appendix A. Appendix B. Appendix B(i) Terms and conditions for Orexo AB s warrants 2009/2016. Appendix C. Appendix D. Appendix E. Proposal to the annual general meeting in Orexo AB (Reg.No. 556500-0600) on 23 April 2009 regarding adoption of Orexo AB s board member share plan 2009/2016 including issuance of warrants with right to

More information

UNMIK REGULATION NO. 2003/37 ON THE PROMULGATION OF THE LAW ON POSTAL SERVICES ADOPTED BY THE ASSEMBLY OF KOSOVO

UNMIK REGULATION NO. 2003/37 ON THE PROMULGATION OF THE LAW ON POSTAL SERVICES ADOPTED BY THE ASSEMBLY OF KOSOVO UNITED NATIONS United Nations Interim Administration Mission in Kosovo UNMIK NATIONS UNIES Mission d Administration Intérimaire des Nations Unies au Kosovo UNMIK/REG/2003/37 17 December 2003 REGULATION

More information

Finansinspektionen's Regulations

Finansinspektionen's Regulations Finansinspektionen's Regulations Publisher: Gent Jansson, Finansinspektionen, Box 6750, 113 85 Stockholm. Ordering address: Thomson Fakta AB, Box 6430, 113 82 Stockholm. Tel. +46 8-587 671 00, Fax +46

More information

School Policy. Data Protection Policy and Procedures

School Policy. Data Protection Policy and Procedures School Policy Data Protection Policy and Procedures Introduction Our school gathers and uses personal information about staff, pupils, parents and other individuals who come into contact with the school

More information

Code of Ethics. Direct Selling Europe

Code of Ethics. Direct Selling Europe Code of Ethics Direct Selling Europe Table of contents Chapter I Introduction 4 1. Scope.................................................. 6 2. Aims................................................... 6

More information

Customer Agreement Form means a hard copy agreement form which sets out details of the Agreement including details of your chosen Price Plan

Customer Agreement Form means a hard copy agreement form which sets out details of the Agreement including details of your chosen Price Plan October 2014 Conditions of Supply for Electricity SME Business Customers These are our terms and conditions which are applicable to Commercial Customers with tariffs in Duos Group DG1, DG2, DG 5 or DG

More information

Act on the Supervision of Credit Institutions, Insurance Companies and Securities Trading etc. (Financial Supervision Act)

Act on the Supervision of Credit Institutions, Insurance Companies and Securities Trading etc. (Financial Supervision Act) KREDITTILSYNET Norway Translation updated August 2003 Translated by Government Authorised Translator Peter Thomas This translation is for information purposes only. Legal authenticity remains with the

More information

General Terms of Public Procurement in Service Contracts JYSE 2014 SERVICES

General Terms of Public Procurement in Service Contracts JYSE 2014 SERVICES 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

More information

Kbase Connect Terms of Business (Development and Licensing)

Kbase Connect Terms of Business (Development and Licensing) 1 Agreement 5.6.3 When the Client has used the Solution in a live environment. 1.1 By signing the Initial Requirements Document, the person doing so (the Client) is entering into an agreement - the Project

More information

PUBLIC-PRIVATE PARTNERSHIP ACT (ZJZP)

PUBLIC-PRIVATE PARTNERSHIP ACT (ZJZP) PUBLIC-PRIVATE PARTNERSHIP ACT (ZJZP) PART I: GENERAL 1. GENERAL PROVISIONS Article 1 (subject of the Act) (1) This Act regulates the purpose and principles of private investment in public projects and/or

More information

PRIMARY DEALER AGREEMENT REGARDING SWEDISH INFLATION-LINKED GOVERNMENT BONDS

PRIMARY DEALER AGREEMENT REGARDING SWEDISH INFLATION-LINKED GOVERNMENT BONDS PRIMARY DEALER AGREEMENT REGARDING SWEDISH INFLATION-LINKED GOVERNMENT BONDS 29 November 2013 [THE PRIMARY DEALER] and THE KINGDOM OF SWEDEN REPRESENTED BY RIKSGÄLDSKONTORET NOTICE: This is an unofficial

More information

PIPA and Strata Corporations: Frequently Asked Questions

PIPA and Strata Corporations: Frequently Asked Questions PIPA and Strata Corporations: Frequently Asked Questions Introduction This FAQ is intended to accompany the Privacy Guidelines for Strata Corporations and Strata Agents (https://www.oipc.bc.ca/guidance-documents/1455)

More information

STATE OF QUEENSLAND Acting through Arts Queensland, Department of the Premier and Cabinet REGIONAL ARTS FUND [RAF]

STATE OF QUEENSLAND Acting through Arts Queensland, Department of the Premier and Cabinet REGIONAL ARTS FUND [RAF] STATE OF QUEENSLAND Acting through Arts Queensland, Department of the Premier and Cabinet [RAF] TERMS OF FUNDING Version 1 18 July 2016 These Terms of Funding together with the Letter of Offer and the

More information

Vending Machine Agreement

Vending Machine Agreement Document 4072A Access to this document and the LeapLaw web site is provided with the understanding that neither LeapLaw Inc. nor any of the providers of information that appear on the web site is engaged

More information

GUIDE AND INSTRUCTIONS. Listed Companies. listedcompanies@fi.se 2013-10-16

GUIDE AND INSTRUCTIONS. Listed Companies. listedcompanies@fi.se 2013-10-16 GUIDE AND INSTRUCTIONS Listed Companies listedcompanies@fi.se 2013-10-16 October 16, 2013 Ref. 11-1971 TABLE OF CONTENTS Abbreviations and terms 4 Stock exchange information 7 Regulated market 7 Home Member

More information

Sweden. Act on Equality between Women and Men. The Equal Opportunities Act (SFS 1991:433)

Sweden. Act on Equality between Women and Men. The Equal Opportunities Act (SFS 1991:433) Sweden Act on Equality between Women and Men The Equal Opportunities Act (SFS 1991:433) (Including amendments up to and including SFS 2000:773) Purpose of the Act Section 1. The purpose of this Act is

More information

Radio and Television Act

Radio and Television Act Radio and Television Act SFS No. 2010:696 Ministry/authority: Ministry of Culture Issued: 17 June 2010 Enters into force: 1 August 2010 General provisions Chapter 1 Content and scope of the Act Content

More information

Guidelines for providers of electronic communications services

Guidelines for providers of electronic communications services Guidelines for providers of electronic communications services A brief summary of selected obligations following the Norwegian regulations on electronic communications July 2015 Introduction In Norway

More information

For Wigge & Partners Advokat AB for clients not domiciled in Sweden (version 2015:1)

For Wigge & Partners Advokat AB for clients not domiciled in Sweden (version 2015:1) General terms and conditions For Wigge & Partners Advokat AB for clients not domiciled in Sweden (version 2015:1) 1 Application 1.1 These general terms and conditions apply, in addition to the code of

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

APPLICATION TO OPEN AN ACCOUNT COMPANY / NGO / EMBASSY / GOVERNMENT / REGISTERED ASSOCIATION

APPLICATION TO OPEN AN ACCOUNT COMPANY / NGO / EMBASSY / GOVERNMENT / REGISTERED ASSOCIATION APPLICATION TO OPEN AN ACCOUNT COMPANY / NGO / EMBASSY / GOVERNMENT / REGISTERED ASSOCIATION To: Ecobank (Indicate country name) For bank use only Account Nº: Please read carefully and complete all relevant

More information

Daltrak Building Services Pty Ltd ABN: 44 069 781 933. Privacy Policy Manual

Daltrak Building Services Pty Ltd ABN: 44 069 781 933. Privacy Policy Manual Daltrak Building Services Pty Ltd ABN: 44 069 781 933 Privacy Policy Manual Table Of Contents 1. Introduction Page 2 2. Australian Privacy Principles (APP s) Page 3 3. Kinds Of Personal Information That

More information

TERMS AND CONDITIONS OF REGISTRATION Applicable for the top-level domain.nu

TERMS AND CONDITIONS OF REGISTRATION Applicable for the top-level domain.nu TERMS AND CONDITIONS OF REGISTRATION Applicable for the top-level domain.nu (The Swedish version of the terms and conditions shall prevail) 1 INTRODUCTION 1.1 Stiftelsen för Internetinfrastruktur / The

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

APPLICATION TO OPEN AN ACCOUNT COMPANY / NGO / EMBASSY / GOVERNMENT / REGISTERED ASSOCIATION

APPLICATION TO OPEN AN ACCOUNT COMPANY / NGO / EMBASSY / GOVERNMENT / REGISTERED ASSOCIATION APPLICATION TO OPEN AN ACCOUNT COMPANY / NGO / EMBASSY / GOVERNMENT / REGISTERED ASSOCIATION To: Ecobank (Indicate country name) For bank use only Account Nº: Please read carefully and complete all relevant

More information

LEGISLATION COMMITTEE OF THE CROATIAN PARLIAMENT

LEGISLATION COMMITTEE OF THE CROATIAN PARLIAMENT 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

More information

GUIDE AND INSTRUCTIONS. Listed companies. MARKET MONITORING 1 February 2016

GUIDE AND INSTRUCTIONS. Listed companies. MARKET MONITORING 1 February 2016 GUIDE AND INSTRUCTIONS Listed companies MARKET MONITORING 1 February 2016 Dnr 16-2584 TABLE OF CONTENS About this guide 4 Abbreviations and terms 5 Introduction 7 Stock exchange information 8 Regulated

More information

General Terms and Conditions of Sale of L. Brüggemann KG Date: October 2014

General Terms and Conditions of Sale of L. Brüggemann KG Date: October 2014 Germany I. General 1. The deliveries from L. Brüggemann KG (hereinafter "Seller") are subject solely to the following general terms and conditions of sale and delivery (hereinafter "General Terms and Conditions").

More information

Danish Act on Approved Auditors and Audit Firms (Lov om godkendte revisorer og revisionsvirksomheder) 1

Danish Act on Approved Auditors and Audit Firms (Lov om godkendte revisorer og revisionsvirksomheder) 1 While this translation was carried out by a professional translation agency, the text is to be regarded as an unofficial translation based on the latest official Act no. 468 of 17 June 2008. Only the Danish

More information

Telecommunications TELECOMMUNICATIONS (LEASED LINES) REGULATIONS, 2001

Telecommunications TELECOMMUNICATIONS (LEASED LINES) REGULATIONS, 2001 Regulations made under ss. 12 and 47. TELECOMMUNICATIONS (LEASED LINES) REGULATIONS by Ord. 2006-15 as from 5.6.2006 (LN. ) 19.7. Amending enactments None Relevant current provisions Commencement date

More information

Act on Electronic Communications Networks and Services 1

Act on Electronic Communications Networks and Services 1 Act No. 169 of 3 March 2011 Unofficial and non-binding English translation Only the Danish version of the text has legal validity Act on Electronic Communications Networks and Services 1 Chapter I Purpose

More information

ACT ON BUSINESS ACTIVITIES ON THE CAPITAL MARKET (ALSO KNOWN AS THE CAPITAL MARKET UNDERTAKINGS ACT)

ACT ON BUSINESS ACTIVITIES ON THE CAPITAL MARKET (ALSO KNOWN AS THE CAPITAL MARKET UNDERTAKINGS ACT) ACT ON BUSINESS ACTIVITIES ON THE CAPITAL MARKET (ALSO KNOWN AS THE CAPITAL MARKET UNDERTAKINGS ACT) NOTE: THIS TRANSLATION IS INFORMATIVE, I.E. NOT LEGALLY BINDING! (TABLE OF CONTENTS ADDED) - 2 - TABLE

More information

REGULATIONS. on Working with Intermediaries. Fédération Internationale de Football Association

REGULATIONS. on Working with Intermediaries. Fédération Internationale de Football Association REGULATIONS on Working with Intermediaries Fédération Internationale de Football Association Fédération Internationale de Football Association President: Joseph S. Blatter Secretary General: Jérôme Valcke

More information

Summary. Terms of reference

Summary. Terms of reference Summary Terms of reference The committee s terms of reference concerning postal services were mainly: to describe the postal market and carry out an analysis of the effects of the liberalisation of the

More information

The impact of rollout in the 800 MHz band on terrestrial television a summary for the years 2012 and 2013

The impact of rollout in the 800 MHz band on terrestrial television a summary for the years 2012 and 2013 Report number PTS-ER-2014:23 Date June 09, 2014 The impact of rollout in the 800 band on terrestrial television a summary for the years 2012 and 2013 DRAFT The impact of rollout in the 800 band on terrestrial

More information

First North Bond Market Rulebook 3 July 2016

First North Bond Market Rulebook 3 July 2016 First North Bond Market Rulebook 3 July 2016 Table of Contents 1. Introduction... 4 2. Admission to trading and removal from trading of fixed income instruments on First North Bond Market... 6 2.1 General...

More information

STATUTORY INSTRUMENTS. S.I. No. 343 of 2015 EUROPEAN UNION (ALTERNATIVE DISPUTE RESOLUTION FOR CONSUMER DISPUTES) REGULATIONS 2015

STATUTORY INSTRUMENTS. S.I. No. 343 of 2015 EUROPEAN UNION (ALTERNATIVE DISPUTE RESOLUTION FOR CONSUMER DISPUTES) REGULATIONS 2015 STATUTORY INSTRUMENTS. S.I. No. 343 of 2015 EUROPEAN UNION (ALTERNATIVE DISPUTE RESOLUTION FOR CONSUMER DISPUTES) REGULATIONS 2015 2 [343] S.I. No. 343 of 2015 EUROPEAN UNION (ALTERNATIVE DISPUTE RESOLUTION

More information

The Citizens National Bank. TheCNB Online Banking (Internet) Agreement

The Citizens National Bank. TheCNB Online Banking (Internet) Agreement The Citizens National Bank TheCNB Online Banking (Internet) Agreement TheCNB Online Banking service is provided by The Citizens National Bank. This agreement between you and The Citizens National Bank

More information

Notice to attend the Annual General Meeting of Addtech AB (publ)

Notice to attend the Annual General Meeting of Addtech AB (publ) Press release Notice to attend the Annual General Meeting of Addtech AB (publ) The shareholders of Addtech AB (publ), organisation number 556302-9726, are hereby given notice to attend the Annual General

More information

SAS Invoice Application

SAS Invoice Application SAS Invoice Application We hereby apply for and accept liability for payment of SAS Faktura Company name in full Company Identification No. Address Postal code Postal address Company contact person Telephone

More information

Data Protection Policy

Data Protection Policy Data Protection Policy Date approved by Heads of Service 3 June 2014 Staff member responsible Director of Finance and Corporate Services Due for review June 2016 Data Protection Policy Content Page 1 Purpose

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

International Data Transfer Agreement

International Data Transfer Agreement International Data Transfer Agreement Standard Contractual Clauses (processors) For the purposes of Article 26(2) of Directive 95/46/EC for the transfer of personal data to processors established in third

More information

Consolidation of the Act on Natural-Gas Supply i

Consolidation of the Act on Natural-Gas Supply i Consolidation of the Act on Natural-Gas Supply i No. 287 20. April 2005 Unofficial translation The Act on Natural-Gas Supply is hereby proclaimed (cf. Consolidated Act no. 130 of 27 February 2003, and

More information

FINANCIAL ADVISERS ACT (CAP. 110) GUIDELINES ON STANDARDS OF CONDUCT FOR FINANCIAL ADVISERS AND REPRESENTATIVES

FINANCIAL ADVISERS ACT (CAP. 110) GUIDELINES ON STANDARDS OF CONDUCT FOR FINANCIAL ADVISERS AND REPRESENTATIVES Monetary Authority of Singapore FINANCIAL ADVISERS ACT (CAP. 110) GUIDELINES ON STANDARDS OF CONDUCT FOR FINANCIAL ADVISERS AND REPRESENTATIVES Guideline No Issue Date 2010) : FAA-G04 : 1 October 2002

More information

Advice in Global Private Equity procurement

Advice in Global Private Equity procurement 1(12) Advice in Global Private Equity procurement Contract Reference: 2015/57 Contents Advice in Global Private Equity procurement... 1 1 Introduction... 2 2 Brief information on AP7... 2 3 Scope of the

More information

Law on Metrology. The Law was published in the Official Gazette of RS, No 15/2016 on February 25, 2016, and entered into force on March 4, 2016

Law on Metrology. The Law was published in the Official Gazette of RS, No 15/2016 on February 25, 2016, and entered into force on March 4, 2016 Law on Metrology The Law was published in the Official Gazette of RS, No 15/2016 on February 25, 2016, and entered into force on March 4, 2016 I. BASIC PROVISIONS Scope Article 1 This Law regulates organization

More information

BOARD NOTICE 79 OF 2003 FINANCIAL SERVICES BOARD FINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT, 2002 (ACT NO. OF 2002)

BOARD NOTICE 79 OF 2003 FINANCIAL SERVICES BOARD FINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT, 2002 (ACT NO. OF 2002) BOARD NOTICE 79 OF 2003 FINANCIAL SERVICES BOARD FINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT, 2002 (ACT NO. OF 2002) CODES OF CONDUCT FOR ADMINISTRATIVE AND DISCRETIONARY FSPs Section 15(1) of Financial

More information