A Comparison of UK and Chinese Broking Regulation

Size: px
Start display at page:

Download "A Comparison of UK and Chinese Broking Regulation"

Transcription

1 A Cmparisn f UK and Chinese Brking Regulatin David Cupe Partner +44 (0) david.cupe@ec3legal.cm The fllwing tables are a cmparisn f UK and Chinese brking regulatins including the Llyd s regulatins. (crrect at the date f this article 15 July The fllwing tables are a cmparisn f UK and Chinese brking regulatins including the Llyd s regulatins. (crrect at the date f this article 15 July th Flr 106 Leadenhall Street Lndn EC3A 4AA T: +44 (0) New Lndn Rad Chelmsfrd Essex CM2 0PE T: +44 (0) EC3\Legal LLP. September EC3-0015

2 Wh apprves/regulates? United Kingdm FSA (and Llyd's fr Llyd's brkers) Peple's Republic f China China Insurance Regulatry Cmmissin (CIRC) Basic minimum standards fr authrisatin The Threshld Cnditins are set ut in Schedule 6 f the Financial Services and Markets Act. These are: Legal Status (para 1) Lcatin f Offices (para 2) Clse Links (para 3) Adequate Resurces (para 4) Suitability (para 5) The requirements are set ut in the Prvisins n Supervisin f Insurance Brkers. The sharehlder(s) have a gd reputatin and have n material illicit recrd The minimum registered capital is RMB10 millin, which must be injected in cash The insurance brker has a sund rganisatinal structure and management system The insurance brker has a registered ffice which is cmpatible t its business scale The insurance brker has cmputer hardware and sftware in relatin t its business and financial affairs, which is cmpatible t its business activities Other requirements as prvided in laws and administrative regulatins as well as impsed by the CIRC may apply. Market entry requirements fr a freign brker N/A A freign brker is required t have a crprate presence in the frm f a freign-invested insurance brking cmpany (either a whlly freign wned enterprise r a jint venture with a Chinese partner) in rder t carry n insurance brking business in China. A freign brker wuld usually g thrugh the fllwing 2-stage prcess

3 and satisfy the relevant requirements (in additin t the basis minimum standards fr authrisatin set ut abve) respectively t btain an insurance brker licence frm the CIRC: - (i) set up a Representative Office (RO) Requirements: - gd business perfrmance; having been engaged in insurance business fr at least 20 years; n recrd f any majr vilatin f laws and regulatins within three years prir t the applicatin date; the freign brker's ttal assets as at the year end prir t the applicatin shall be n less than US$200 millin; ther requirements stipulated by the CIRC. (ii) set up a freign-invested insurance brking cmpany it must have been engaged in insurance business fr mre than 30 years; a RO has been established in China fr mre than 2 years; its ttal assets as at the year end prir t the applicatin shall be n less than US$200 millin; the cuntry where it is situated must have a sund system fr regulatin f insurance business and it must already be under the effective supervisin f the relevant authrity in the cuntry cncerned; it must btain the apprval f the relevant authrities in its cuntry f incrpratin fr the establishment f prpsed freign-invested insurance brking cmpany in China; it must satisfy ther requirements stipulated by the CIRC.

4 Insurance brkerage activities f a freign invested brker N/A A freign invested brker is allwed t engage in the fllwing insurance brkerage activities, which are cvered under the China's accessin t WTO: - brkering business fr large scale cmmercial risks brkering business fr reinsurance brkering business fr internatinal marine, aviatin, and transprt insurance and reinsurance Supprting Dcs FSA Authrisatin Applicatin (retail intermediaries) (a) Staff rganisatinal chart A chart shwing that the firm has a management structure and clear reprting lines. The minimum requirements that shuld be prvided are the names f significant staff, direct reprting lines and direct reprting lines int the bard. (b) Business plan infrmatin Matters t be addressed include: backgrund t the applicant and business planning; lcatin; clients; target markets and marketing plan; persnnel and Internal cntrls; utsurcing with third parties. (c) Cmpliance prcedures Applicatin fr establishment f an insurance brking cmpany (a) Prescribed Applicatin Frm A frm indicating the basic infrmatin f the prpsed insurance brking cmpany and the sharehlder(s). (b) Prescribed Authrisatin Letter A letter authrising an individual t submit the applicatin dcuments t and cllect the licence frm the CIRC and handle ther matters in relatin t the applicatin. (c) Articles f Assciatin (d) Phtcpies f identificatin dcuments f sharehlder(s) Fr an individual sharehlder, the identificatin dcuments are ID card / passprt and CV. Fr a crprate sharehlder, the identificatin dcument is its business licence plus the financial statements fr the previus year. (e) Capital verificatin dcuments

5 Cmpliance prcedures must be available t facilitate the writing f the cmpliance mnitring prgramme. (d) Details f prfessinal advisers (if any) (e) Opening balance sheet A balance sheet prepared as at the start f the applicant firm's first 12 mnths f trading as an authrised firm. (f) Frecast clsing balance sheet (after 12 mnths trading r first years trading) A balance sheet shwing the financial psitin the applicant firm is frecasted t be in after trading fr 12 mnths as an authrised firm. (g) Mnthly prfit and lss accunt (fr the first years f trading) A statement shwing the frecast incme and expenditure f the applicant firm fr each mnth fr the first 12 mnths f trading as an authrised firm. (h) Mnthly cashflw frecast (fr the first years f trading;) A statement shwing hw a firm is paying fr its peratins and future grwth, by detailing the "flw" f cash int and ut f the firm. (i) Latest annual accunts (if any) A cpy f the firm's mst recent annual accunts (if the applicant firm is already trading). (f) Feasibility Study It must include the market analysis, and a three-year business develpment plan. (g) Name Pre-apprval Ntice (h) Internal management rules Matters t be addressed include: rganisatinal structure decisin-making prcess business peratin accunting and finance human resurces (i) Internal anti-mney-laundering plan and rules (j) Business service standards (k) qualificatin dcuments f senir management persnnel and individual brkers (l) wnership certificate r lease f the registered ffice (m) Intrductin f IT facilities (hardware and sftware) (n) Other dcuments as may be required by the CIRC.

6 Further dcuments (j) Prfessinal Indemnity Insurance qutatin Prfessinal Indemnity Insurance is needed fr all retail intermediary firms and a qutatin must be btained t cmplete the applicatin. Depending n the legal status If it is a freign-invested insurance brkering cmpany If sle trader If partnership If limited liability partnership If limited cmpany Details f the persnal and business assets and liabilities A cpy f the partnership agreement deeds Details f each partner's persnal and business assets and liabilities A cpy f the Limited liability partnership agreement Prf f capital (such as members' capital agreement) 88(2) frm (Cmpanies Huse Return shwing alltment f shares) (1) Dcuments t be submitted fr establishment f a RO (a) Prescribed Applicatin Frm A frm indicating the basic infrmatin f the prpsed RO and the parent cmpany. (b) Applicatin Letter addressed t the Chairman f the CIRC (c) Phtcpy f the incrpratin / registratin dcument f the parent cmpany (d) Cnstitutinal dcuments f the parent cmpany (e) List f the bard members / management persnnel (f) Annual statements fr the previus 3 years (g) Opinin f the insurance authrity / assciatin with regards t the parent cmpany's applicatin fr establishment f the RO The pinin must indicate the recrd f punishment f the parent cmpany within the previus three years prir t the issuance f the pinin.

7 Articles f Assciatin (h) Feasibility Study (i) Appintment Letter fr the Chief Representative and the CV f the Chief Representative Authrisatin Fee FSA Fee Time estimate FSA Authrisatin Fee Straightfrward applicatin( 1,500) Mderately cmplex applicatin ( 5,000) Cmplex applicatin ( 25,000) Fees cllected by the FSA include: FSA levy Levy - Financial Services Cmpensatin Scheme Levy - Financial Ombudsman Service Levy - Cnsumer Financial Educatin Bdy (nw Mney Advice Service) Decisins n cmplete applicatins fr Part IV permissin are generally delivered within 3 mnths (j) Statement which states that the Chief Representative did nt receive any punishment fr any material illicit activities (k) Other dcuments as may be required by the CIRC CIRC Authrisatin Fee N/A Fees cllected by the CIRC include: an annual fee f RMB20,000 fr a RO an annual fee f 0.12% f brkerage fr an insurance brking cmpany, which is in n case less than RMB1,200 The decisin shall be made within 20 wrking days upn receipt f the cmplete applicatin dcuments by the CIRC.

8 Apprved persns Cntrlled functins are rles within a business that have a particular regulatry significance. Anyne wh wish t perfrm ne r mre cntrlled functins must btain prir apprval frm the FSA. Cntrlled functins applicable fr UK and verseas firms Significant influence functins CF 1 Directr functin CF 2 Nn-executive directr functin CF 3 Chief executive functin CF 4 Partner functin CF 5 Directrs f an unincrprated assciatin CF 6 Small friendly sciety functin CF 8 Apprtinment and versight functin (Nn-MiFID business nly) CF 10 Cmpliance versight functin CF 11 Mney laundering reprting functin CF 12 Actuarial functin CF 12A With-prfits actuary functin Appintment f the fllwing persns need t be apprved by the CIRC: Chairman f the bard r executive directr General manager r management persnnel wh has the same pwers and duties Deputy general manager r management persnnel wh has the same pwers and duties Persn in charge f the insurance brking cmpany's branch

9 CF 12B Llyd's Actuary functin CF 28 System and cntrls functin CF 29 Significant management functin Custmer functins CF 30 Custmer functin Systems and Cntrls When cnsidering a candidate s fitness and prpriety, the FSA cnsiders (i) hnesty, integrity and reputatin; (ii) cmpetence and capability; and (iii) financial sundness. Determine the systems and cntrls necessary t supprt the firm's activities and t cmply with the relevant rules, and have plans t implement and test these systems. Determine the cmputer hardware and sftware are necessary t supprt the business activities and financial affairs.

10 Llyd's Registratin Requirements (assume UK firm) (a) Apprpriate regulatry apprval by the FSA (b) Adequate systems, prcedures and arrangements t cnduct business in the Llyd's insurance market The firm must demnstrate that it can prperly perate the necessary accunting and settlement and claims advice and settlement prcesses t transact at Llyd's. (c) Supprt frm at least ne Llyd's managing agent t enter int a Terms f Business Agreement with the firm The firm must demnstrate that it has Llyd's market supprt and will actually bring business t Llyd's. (d) Suitable prcedures t safeguard insurance mnies The firm must demnstrate that it has the necessary prcedures in place t prtect insurance mnies in the event f inslvency (e) Prfessinal indemnity insurance that meets the minimum requirements f Llyd's. The firm must demnstrate that it has taken ut and will maintain prfessinal indemnity insurance which meets the Llyd's requirements. Llyd's Applicatin fee 5,000 (n nging Llyd's charge t brkers fr placing and prcessing business at Llyd's)

11 If yu require further infrmatin please cntact any member f the EC3\Legal team David Cupe Partner David has been practicing crprate cmmercial law fr ver 25 years, principally arund the Lndn and Llyd s insurance market, and in China. His primary market is with insurance brkers, underwriting agents, MGA s and ther service prviders. Further advice shuld be taken befre relying n the cntents f this summary. All cpyright and rights t this Memrandum belngs t EC3\Legal LLP, and n part f this Publicatin shuld be used, reprduced r published in any manner withut prir cnsent. EC3\Legal LLP is nt respnsible fr the cntent f external websites.ec3\legal LLP a firm authrised and regulated by the Slicitrs Regulatin Authrity EC3\Legal LLP is a limited liability partnership registered in England under cmpany number OC fllw us n

SETTING UP A SYNDICATE SERVICE COMPANY IN HONG KONG

SETTING UP A SYNDICATE SERVICE COMPANY IN HONG KONG SETTING UP A SYNDICATE SERVICE COMPANY IN HONG KONG 2012 2 Disclaimer This is fr reference nly and is nt cnsidered t be legal advice. Whilst all care has been taken t ensure the accuracy f the infrmatin

More information

E-Business Strategies For a Cmpany s Bard

E-Business Strategies For a Cmpany s Bard DATATEC LIMITED BOARD CHARTER / TERMS OF REFERENCE 1. CONSTITUTION The primary bjective f the Cmpany s Bard Charter is t set ut the rle and respnsibilities f the Bard f Directrs ( the Bard ) as well as

More information

BIBH Duty Statements and Governance chart reviewed and approved April 2014. BIBH Executive Governance & Management Arrangements

BIBH Duty Statements and Governance chart reviewed and approved April 2014. BIBH Executive Governance & Management Arrangements BIBH Duty Statements and Gvernance chart reviewed and apprved April 2014 BIBH Executive Gvernance & Management Arrangements BIBH COMMITTEE CEO - Paul O Cnnell Executive Secretary - Brian Firth Executive

More information

Internal Audit Charter and operating standards

Internal Audit Charter and operating standards Internal Audit Charter and perating standards 2 1 verview This dcument sets ut the basis fr internal audit: (i) the Internal Audit charter, which establishes the framewrk fr Internal Audit; and (ii) hw

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

Peratr Accreditatin and Services in Queensland

Peratr Accreditatin and Services in Queensland Infrmatin Bulletin PT 204/09.15 Operatr Accreditatin fr Limusine Services What is peratr accreditatin? The Transprt Operatins (Passenger Transprt) Act 1994 requires peratrs f public passenger services

More information

NHVAS Mass Management Spot Check Checklist

NHVAS Mass Management Spot Check Checklist Legal Entity Name f NHVAS Operatr: DTMR Representative: Lcatin: NHVAS Mass Management Spt Check Checklist Spt Check Date: Spt Check Number: DMS Number: 540/ The fllwing surces f evidence have been identified

More information

Audit Committee Charter

Audit Committee Charter Audit Cmmittee Charter Membership The Audit Cmmittee (the "Cmmittee") f the Bard f Directrs (the "Bard") f Philip Mrris Internatinal Inc. (the "Cmpany") shall cnsist f at least three directrs all f whm

More information

Request for Resume (RFR) CATS II Master Contract. All Master Contract Provisions Apply

Request for Resume (RFR) CATS II Master Contract. All Master Contract Provisions Apply Sectin 1 General Infrmatin RFR Number: (Reference BPO Number) Functinal Area (Enter One Only) F50B3400026 7 Infrmatin System Security Labr Categry A single supprt resurce may be engaged fr a perid nt t

More information

GUIDELINES LICENSING OF FINANCIAL INSTITUTIONS

GUIDELINES LICENSING OF FINANCIAL INSTITUTIONS GUIDELINES FOR THE LICENSING OF FINANCIAL INSTITUTIONS IN TRINIDAD AND TOBAGO UNDER THE FINANCIAL INSTITUTIONS ACT, 1993 I. DEFINITIONS: Institutins may be licensed under the Financial Institutins Act,

More information

Skrill Merchant Services Application Form

Skrill Merchant Services Application Form Skrill Merchant Services Applicatin Frm Skrill Merchant Services Applicatin Frm (the Applicatin ) shuld be signed by r n behalf f the Merchant. It is very imprtant that the Merchant has read the Applicatin

More information

Kuck Immigration Partners. Source of Funds. -Worksheet and Document Checklist-

Kuck Immigration Partners. Source of Funds. -Worksheet and Document Checklist- Kuck Immigratin Partners Surce f Funds -Wrksheet and Dcument Checklist- 1 Table f Cntents General Rules... 3 Investrs Net Wrth Wrksheet:... 4 Dcumentatin:... 5 Identificatin and Bigraphic Dcuments... 5

More information

FREQUENTLY ASKED QUESTIONS ON THE EUCOMED ETHICAL BUSINESS LOGO

FREQUENTLY ASKED QUESTIONS ON THE EUCOMED ETHICAL BUSINESS LOGO Rue Jseph II, 40 www.eucmed.rg FREQUENTLY ASKED QUESTIONS ON THE EUCOMED ETHICAL BUSINESS LOGO Q1: What is the Eucmed Ethical Business Lg? A1: The Ethical Business Lg is a Lg licensed by Eucmed, the Eurpean

More information

MSB FINANCIAL CORP. MILLINGTON BANK AUDIT COMMITTEE CHARTER

MSB FINANCIAL CORP. MILLINGTON BANK AUDIT COMMITTEE CHARTER MSB FINANCIAL CORP. MILLINGTON BANK AUDIT COMMITTEE CHARTER This Audit Cmmittee Charter has been amended as f July 17, 2015. The Audit Cmmittee shall review and reassess this Charter annually and recmmend

More information

CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT

CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT Plicy Number: 2.20 1. Authrity Lcal Gvernment Act 2009 Lcal Gvernment Regulatin 2012 AS/NZS ISO 31000-2009 Risk Management Principles

More information

IDENTIFICATION FORM 3: TRUSTS, TRUSTEES & SMSFs

IDENTIFICATION FORM 3: TRUSTS, TRUSTEES & SMSFs IDENTIFICATION FORM 3: TRUSTS, TRUSTEES & SMSFs GUIDE TO COMPLETING THIS FORM Cmplete the fllwing in BLOCK LETTERS: Sectin 1 (all parts) all trusts. AND select and cmplete ne f the fllwing sectins fr ONLY

More information

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

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

More information

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

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

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

LINCOLNSHIRE POLICE Policy Document

LINCOLNSHIRE POLICE Policy Document LINCOLNSHIRE POLICE Plicy Dcument 1. POLICY IDENTIFICATION PAGE POLICY TITLE: ICT CHANGE & RELEASE MANAGEMENT POLICY POLICY REFERENCE NO: PD 186 POLICY OWNERSHIP: ACPO Cmmissining Officer: Prtfli / Business-area

More information

New Hampshire. Address: New Hampshire Real Estate Commission 64 South Street Concord, NH 03301-3670

New Hampshire. Address: New Hampshire Real Estate Commission 64 South Street Concord, NH 03301-3670 New Hampshire Gverning Agency New Hampshire Real Estate Cmmissin Website: http://www.nh.gv/nhrec/ Address: New Hampshire Real Estate Cmmissin 64 Suth Street Cncrd, NH 03301-3670 Telephne N.: (603) 271-2701

More information

Business Plan Overview

Business Plan Overview Business Plan Overview Organizatin and Cntent Summary A business plan is a descriptin f yur business, including yur prduct yur market, yur peple and yur financing needs. Yu shuld cnsider that a well prepared

More information

Consumer credit law for Insolvency Practitioners (IPs)

Consumer credit law for Insolvency Practitioners (IPs) Page 1 Cnsumer credit law fr Inslvency Practitiners (IPs) Prduced in partnership with Carline Castle f Squire Pattn Bggs (UK) LLP This Practice Nte prvides a summary f cnsumer credit law fllwing the transfer

More information

ERISA Compliance FAQs: Fiduciary Responsibilities

ERISA Compliance FAQs: Fiduciary Responsibilities Brught t yu by Mrris & Reynlds Insurance ERISA Cmpliance FAQs: Fiduciary Respnsibilities The Emplyee Retirement Incme Security Act f 1974 (ERISA) is a federal law that sets minimum standards fr emplyee

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

CMS Eligibility Requirements Checklist for MSSP ACO Participation

CMS Eligibility Requirements Checklist for MSSP ACO Participation ATTACHMENT 1 CMS Eligibility Requirements Checklist fr MSSP ACO Participatin 1. General Eligibility Requirements ACO participants wrk tgether t manage and crdinate care fr Medicare fee-fr-service beneficiaries.

More information

6101 - DEPARTMENT OF ADMINISTRATION 14-BANKING AND FINANCIAL DIVISION

6101 - DEPARTMENT OF ADMINISTRATION 14-BANKING AND FINANCIAL DIVISION Prgram Budget Cmparisn The fllwing table summarizes the ttal executive budget fr the prgram by year, type f expenditure, and surce f funding. Prgram Budget Cmparisn Budget Item Base Fiscal 2012 Apprp.

More information

Initial Application Form - Non Clinical Facility

Initial Application Form - Non Clinical Facility CPQ ID: Fr Office Use Only Date Submitted: Initial Applicatin Frm - Nn Clinical Facility All fields marked with in this applicatin frm are mandatry fields. CPQ will nt accept any applicatin which des nt

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

Third Party Originator Application

Third Party Originator Application Third Party Originatr Applicatin Applicant Infrmatin Third Party Name: Primary Address: City: State: Zip Cde: Primary Cntact: Telephne Number: Email Address: Fax Number: Website Address: Branch Lcatins

More information

YOUR DUTIES AS EXECUTOR

YOUR DUTIES AS EXECUTOR Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR DUTIES AS EXECUTOR The funeral Yu may be required t make the funeral arrangements. In mst instances, clse family r friends attend t funeral arrangements

More information

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices This is being prvided t yu as a requirement f the privacy regulatins issued under the Health Insurance Prtability and Accuntability Act f 1996 (HIPAA). This ntice describes hw HROSM may use and disclse

More information

How To Contact Skrill

How To Contact Skrill Skrill Merchant Services Applicatin Frm Skrill Merchant Services Applicatin Frm (the Applicatin ) shuld be signed by r n behalf f the Merchant. It is very imprtant that the Merchant has read the Applicatin

More information

GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PROVISIONAL) (SUBCLASS 188) VISA

GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PROVISIONAL) (SUBCLASS 188) VISA GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PROVISIONAL) (SUBCLASS 188) VISA BUSINESS INNOVATION STREAM The Australian Capital Territry

More information

10 th May 2010. Dear Peter, Re: Audit Quality in Australia: A Strategic Review

10 th May 2010. Dear Peter, Re: Audit Quality in Australia: A Strategic Review 10 th May 2010 Mr. Peter Levy Audit Quality Strategic Review Crpratins and Financial Services Divisin The Treasury Langtn Crescent PARKES ACT 2600 Dear Peter, Re: Audit Quality in Australia: A Strategic

More information

Malpractice and Maladministration Policy

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

More information

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

GENERAL MOTORS COMPANY AUDIT COMMITTEE CHARTER. Most Recently Amended: December 8, 2015

GENERAL MOTORS COMPANY AUDIT COMMITTEE CHARTER. Most Recently Amended: December 8, 2015 GENERAL MOTORS COMPANY AUDIT COMMITTEE CHARTER Mst Recently Amended: December 8, 2015 Purpse The purpse f the Audit Cmmittee is t assist the Bard f Directrs f General Mtrs Cmpany in its versight f the

More information

BUPA DENTAL PLAN A P P L I C AT I O N F O R M

BUPA DENTAL PLAN A P P L I C AT I O N F O R M BUPA DENTAL PLAN A P P L I C AT I O N F O R M Please cmplete all relevant sectins f the frm in BLOCK CAPITALS and BLACK INK and return it t: Cnsumer Partnerships, FPS Dental, Bupa, Willw Huse, Chertsey

More information

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr. Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).

More information

Investment Adviser Switch Workshop

Investment Adviser Switch Workshop Investment Adviser Switch Wrkshp Investment Adviser Registratin, Renewal, Amendment And Pst-Registratin Requirements Presented by Office f the Attrney General Maryland Divisin f Securities 1 Registratin

More information

Application Fee Schedule Please check the appropriate box below. See also Additional Information starting on page 6.

Application Fee Schedule Please check the appropriate box below. See also Additional Information starting on page 6. DRIVING SCHOOL LICENSE APPLICATION N. APPLICATION DMV USE ONLY N. LICENSE Received Fee Amunt Expiratin Fee Amunt PART 1 Schl Infrmatin: l READ VEHICLE AND TRAFFIC LAW SECTION 394 AND DMV COMMISSIONER S

More information

Corporate Credit Card Policy

Corporate Credit Card Policy Plicy N: 13 Crprate Credit Card Plicy CONTROL: Plicy Type: Authrised by: Head f Pwer: Financial Cuncil Nt Applicable Respnsible Officer: Crprate and Cmmunity Manager Respnsibilities: Review and implement

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

Special Procedures for United States and NATO Contractors

Special Procedures for United States and NATO Contractors Special Prcedures fr United States and NATO Cntractrs New AISA License and its Renewal Prcedures Gvernment f the Islamic Republic f Afghanistan Afghanistan Investment Supprt Agency (AISA) Directrate f

More information

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

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

More information

CHARTER OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS OF UPLAND SOFTWARE, INC.

CHARTER OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS OF UPLAND SOFTWARE, INC. CHARTER OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS OF UPLAND SOFTWARE, INC. PURPOSE The purpse f the Cmpensatin Cmmittee f the Bard f Directrs (the Bard ) f Upland Sftware, Inc. (the Cmpany

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

NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts

NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts NAIC Replacement Requirements Fr Certain Life Insurance Plicies And Annuity Cntracts Duties f Prducers If a transactin invlves a replacement, the prducer must leave with the applicant, at the time an applicatin

More information

INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01. Issued: January 02, 2013

INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01. Issued: January 02, 2013 INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01 Issued: January 02, 2013 Pennsylvania Department f Revenue Guidelines fr Cllectin and Administrative Bank Attachment Required by Act 85 f 2012 Per the Tax

More information

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

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

More information

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

OKLAHOMA BOARD OF NURSING PERFORMANCE AUDIT FOR THE PERIOD JANUARY 1, 2007 THROUGH JUNE 30, 2009. Oklahoma State Auditor & Inspector

OKLAHOMA BOARD OF NURSING PERFORMANCE AUDIT FOR THE PERIOD JANUARY 1, 2007 THROUGH JUNE 30, 2009. Oklahoma State Auditor & Inspector OKLAHOMA BOARD OF NURSING FOR THE PERIOD JANUARY 1, 2007 THROUGH JUNE 30, 2009 PERFORMANCE AUDIT Oklahma State Auditr & Inspectr Audit Reprt f the Oklahma Bard f Nursing Fr the Perid January 1, 2007 thrugh

More information

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

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

More information

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

About these Guidelines. Business Innovation Stream. Nomination Criteria

About these Guidelines. Business Innovation Stream. Nomination Criteria GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PERMANENT) (SUBCLASS 888) VISA BUSINESS INNOVATION STREAM The Australian Capital Territry

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

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

COPIES-F.Y.I., INC. Policies and Procedures Data Security Policy

COPIES-F.Y.I., INC. Policies and Procedures Data Security Policy COPIES-F.Y.I., INC. Plicies and Prcedures Data Security Plicy Page 2 f 7 Preamble Mst f Cpies FYI, Incrprated financial, administrative, research, and clinical systems are accessible thrugh the campus

More information

Sources of Federal Government and Employee Information

Sources of Federal Government and Employee Information Inf Surce Surces f Federal Gvernment and Emplyee Infrmatin Ridley Terminals Inc. TABLE OF CONTENTS General Infrmatin Intrductin t Inf Surce Backgrund Respnsibilities Institutinal Functins, Prgram and Activities

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

Municipal Advisor Registration

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

More information

Financial Accountability Handbook

Financial Accountability Handbook Financial Accuntability Handbk >> Vlume 5 Reprting Systems Infrmatin Sheet 5.2 Preparatin f Financial Statements Intrductin The Financial Accuntability Act 2009 (the Act) and the Financial and Perfrmance

More information

ISO Management Systems. Guidance on understanding the benefits of an ISO Management System

ISO Management Systems. Guidance on understanding the benefits of an ISO Management System ISO Management Systems Guidance n understanding the benefits f an ISO Management System Welcme & Intrductins 4031 University Drive, 206, Fairfax, VA 22030 3 Grant Square, 243, Hinsdale, IL 60521 www.radiancmpliance.cm

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

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

Sonny s Franchise Company 201 North New York Avenue 3rd floor Winter Park, FL 32789

Sonny s Franchise Company 201 North New York Avenue 3rd floor Winter Park, FL 32789 Snny s Franchise Cmpany 201 Nrth New Yrk Avenue 3rd flr Winter Park, FL 32789 Phne: (407) 660-8888 Fax: (407) 660-1285 Email: sates@snnysbbq.cm Name Address PRELIMINARY FRANCHISE APPLICATION Befre filling

More information

IMHU-HRM-A February 15, 2012 PAI SOP. Ft. Huachuca Personnel Asset Inventory - SOP

IMHU-HRM-A February 15, 2012 PAI SOP. Ft. Huachuca Personnel Asset Inventory - SOP Ft. Huachuca Persnnel Asset Inventry - SOP I. Respnsible agencies are: Unit Battalin r separate cmpany S1 (S1) Brigade S1 Military Persnnel Divisin (MPD) Persnnel Autmatin Sectin (PAS) G1, AG, Military

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

Audit Committee Charter. St Andrew s Insurance (Australia) Pty Ltd St Andrew s Life Insurance Pty Ltd St Andrew s Australia Services Pty Ltd

Audit Committee Charter. St Andrew s Insurance (Australia) Pty Ltd St Andrew s Life Insurance Pty Ltd St Andrew s Australia Services Pty Ltd Audit Cmmittee Charter St Andrew s Insurance (Australia) Pty Ltd St Andrew s Life Insurance Pty Ltd St Andrew s Australia Services Pty Ltd Versin 2.0, 22 February 2016 Apprver Bard f Directrs St Andrew

More information

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

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

More information

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900 MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedfrd MK40 3HZ Telephne: 01234 242900 Please read this dcument carefully as it sets ut the terms n which we agree t act fr ur clients and

More information

HIPAA HITECH ACT Compliance, Review and Training Services

HIPAA HITECH ACT Compliance, Review and Training Services Cmpliance, Review and Training Services Risk Assessment and Risk Mitigatin: The first and mst imprtant step is t undertake a hlistic risk assessment that examines the risks and cntrls related t fur critical

More information

Outsourcing arrangements

Outsourcing arrangements Rules Ntice Guidance Nte Dealer Member Rules Please distribute internally t: Internal Audit Legal and Cmpliance Operatins Regulatry Accunting Senir Management Cntacts: Luis Piergeti Vice President, Financial

More information

Quality Assurance (QA) Standards

Quality Assurance (QA) Standards Quality Assurance (QA) Standards fr Training Institutins Date: September 2013 TABLE OF CONTENT 1. INTRODUCTION... 3 2. REGISTRATION OF TRAINING INSTITUTION... 4 2.1. REQUIREMENTS FOR REGISTRATION OF TRAINING

More information

Projects Director Report Guidelines. IPMA Level A

Projects Director Report Guidelines. IPMA Level A Prjects Directr Reprt Guidelines IPMA Level A Cntents 1. GENERAL PROVISIONS.. 2 2. PROJECT PORTFOLIO / PROGRAMME DESCRIPTION...2 3. PROJECTS DIRECTOR REPORT 5 4. ANNEXES..7 Authr Classificatin Status Electrnic

More information

Request for Proposal (RFP) RFP HQ2015-01 Training Session and Leadership Program Development Consulting Services

Request for Proposal (RFP) RFP HQ2015-01 Training Session and Leadership Program Development Consulting Services technserve.rg Date: January 5, 2014 Request fr Prpsal (RFP) RFP HQ2015-01 Training Sessin and Leadership Prgram Develpment Cnsulting Services Subject: Request fr Prpsal TechnServe Inc. (TNS) invites yu

More information

DATE APPROVED March 2011. Version Date Comments / Changes 1.0 March 2011 Initial policy released

DATE APPROVED March 2011. Version Date Comments / Changes 1.0 March 2011 Initial policy released Page 1 f 11 APPROVED (S) REVISED / REVIEWED SUMMARY Versin Date Cmments / Changes 1.0 Initial plicy released 1. PURPOSE OF THIS POLICY T define the purpses fr which Crprate Purchase Cards are t be used

More information

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS APPENDIX A FORM ADV (Paper Versin) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS Frm ADV: General Instructins Read these instructins carefully befre

More information

What can Event Assured do for associations & charities?

What can Event Assured do for associations & charities? What can Event Assured d fr assciatins & charities? Specialist insurance services fr assciatins & charities Yur event, ur risk We have been wrking with event rganisers ver three decades Our clse relatinship

More information

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

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

More information

ES PROCEDURES FOR OVERPAYMENT RECOVERY

ES PROCEDURES FOR OVERPAYMENT RECOVERY ES PROCEDURES FOR OVERPAYMENT RECOVERY Effective: 7/1/2012 Respnsible Office: Emplyee Services (ES) Apprved: ES Directr Applicatin: All Emplyees f the University f Clrad Plicy The University f Clrad will

More information

Duration of job. Context and environment: (e.g. dept description, region description, organogram)

Duration of job. Context and environment: (e.g. dept description, region description, organogram) Rle Prfile Jb Descriptin Jb Title Ref n: Prgramme Manager, Services fr Internatinal Educatin Marketing Directrate r Regin East Asia Department/Cuntry Indnesia Lcatin f pst Jakarta Pay Band G Reprts t Senir

More information

Directors' And Officers' Liability

Directors' And Officers' Liability Directrs' And Officers' Liability (Last Revised January, 2005) The fllwing is intended fr general infrmatin nly, regarding sme f the issues relating t purchasing a business in Saskatchewan. We advise yu

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

HSBC Online Home Loan Application Process

HSBC Online Home Loan Application Process HSBC Online Hme Lan Applicatin Prcess Versin 1.0 Nvember 2005 Cpyright. HSBC Bank Australia Limited 2005 ALL RIGHTS RESERVED N part f this publicatin may be reprduced, stred in a retrieval system, r transmitted,

More information

FINANCIAL SERVICES FLASH REPORT

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

More information

Chief Finance and Operations Officer IfM Education and Consultancy Services (IfM ECS)

Chief Finance and Operations Officer IfM Education and Consultancy Services (IfM ECS) Chief Finance and Operatins Officer IfM Educatin and Cnsultancy Services (IfM ECS) Rle Summary IfM ECS disseminates the research and educatin utputs f the University f Cambridge Institute fr Manufacturing

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

TO: Chief Executive Officers of all National Banks, Department and Division Heads, and all Examining Personnel

TO: Chief Executive Officers of all National Banks, Department and Division Heads, and all Examining Personnel AL 96-7 Subject: Credit Card Preapprved Slicitatins TO: Chief Executive Officers f all Natinal Banks, Department and Divisin Heads, and all Examining Persnnel PURPOSE The purpse f this advisry letter is

More information

Checklist for Completing and Submitting a Captive Non-Life Insurance Application under the European Communities (Non-Life Insurance) Framework

Checklist for Completing and Submitting a Captive Non-Life Insurance Application under the European Communities (Non-Life Insurance) Framework 2012 Checklist fr Cmpleting and Submitting a Captive Nn-Life Insurance Applicatin under the Eurpean Cmmunities (Nn-Life Insurance) Framewrk Regulatins, 1994 Applicant Central Bank f Ireland Checklist Ntes:

More information

Check List Forming a Small Business

Check List Forming a Small Business Frming a Small Business Intrductin: Each year, thusands f Americans catch the entrepreneurial spirit, launching small businesses t sell their prducts r services. The City f Auburn, Office f Ecnmic Develpment

More information

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

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

More information

Our Privacy Policy and Credit Reporting Privacy Policy. 1. Privacy at FlexiGroup Our Privacy Policy and Credit Reporting Privacy Policy

Our Privacy Policy and Credit Reporting Privacy Policy. 1. Privacy at FlexiGroup Our Privacy Policy and Credit Reporting Privacy Policy Our Privacy Plicy and Credit Reprting Privacy Plicy 1. Privacy at FlexiGrup Our Privacy Plicy and Credit Reprting Privacy Plicy Backgrund At Flexigrup it is imprtant t us that we manage yur persnal infrmatin

More information

How To Get A Credit By Examination

How To Get A Credit By Examination LAW ENFORCEMENT TECHNOLOGY CREDIT BY EXAMINATION FACT SHEET Texas Ri Salad Cllege, a Maricpa Cunty Cmmunity Cllege in Tempe, Arizna, is prud t annunce its Credit by Examinatin prgram in Law Enfrcement

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

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