Article 1 (General Provisions)
1.1 We use commercially reasonable efforts to protect and handle User Information properly by complying with this Policy, the Act on the Protection of Personal Information (the “Act”) and other relevant laws and regulations.
1.2 Any separate terms and conditions or rules we may establish within the Services in relation to our handling of User Information will also be applicable in addition to this Policy. If any provision of such separate terms or rules conflict with any provision of this Policy, this Policy shall prevail.
1.3 This Policy is not applicable to any external services (“External Services”) provided by third-party service providers. For information regarding the handling of User Information in connection with External Services, please refer to the privacy policies or terms and conditions separately established by the respective External Service providers.
Article 2 (Definition of User Information and Appropriate Collection of Information)
2.1 The term “User Information” as used herein includes personal information as defined under Article 2, Paragraph 1 of the Act (“Personal Information”) and the following information:
(1) Information collected from you may include, your name, the company or organization you belong to; employment position, gender, residential or business address, email address or telephone number or any other information necessary to provide you with the Services; and
(2) Information collected by us, may include, information on the pages you view, the links you click and other action taken in connection with our website. We also may collect certain standard information that your browser sends, such as your IP address, MAC address and other device specific IDs, access logs, usage history, browser type and language, access times and referring web site address.
2.3 The User Information we collect is appropriately obtained based only upon your use of the Services and it is not obtained through any illegal means or deceptive acts by us. In addition, in the event we collect User Information from sources other than from your using the Services, we will notify you to that effect in advance either privately or through public announcements, and in addition, we will inform you about the purpose of its use.
Article 3 (Purposes of Use)
3.1 We strive to appropriately use User Information only to the extent to carry out the transaction you have requested and to communicate with you through various media. We may send certain communication such as email, reminders and information on our business transactions, and/or transaction related data. We may also use the User Information to maintain and improve our website and the Services by analyzing the information received and collected. Without your consent, we will never use User Information for any purpose other than the purposes set out in this Policy.
3.2 We may revise the purposes of use provided for in the preceding paragraph to the extent that such revision is deemed to be reasonably related to the original purposes of use, upon which we will either notify you privately or make an announcement publicly to that effect through procedures separately established by us.
Article 4 (Protection of Personal Information)
We will take appropriate measures to properly maintain Personal Information by assigning a person (or persons) in charge of managing Personal Information, making our best efforts to prevent unauthorized access of, loss of, falsification of, and leakage of Personal Information, and prevent other similar misappropriate acts in handling Personal Information.
Article 5 (Provision of Personal Information to Third Parties)
5.1 We will not provide Personal Information to any third parties without prior consent form you except under the following circumstances:
- When laws or regulations require we provide your Personal Information;
- When it is necessary to protect the life, body or property of an individual, and it is difficult to obtain your consent due to circumstances;
- When it is necessary for improving public health or ensuring the well-being of children, and it is difficult to obtain your consent due to circumstances; or
- When it is necessary for cooperating with government agencies, local public bodies, or any agents thereof, in executing the affairs prescribed by laws or regulations, and obtaining your consent is likely to impede the execution of the affairs concerned; or
5.2 Subject to Article 3 and 5.1 herein, when we provided Personal Information to a third party, we will make and maintain a record of the following matters:
(1) The confirmation of your consent
(2) The identity or name of the third party and information sufficient to identify the third party
(3) The name of the person identified by the Personal Information and other information sufficient to identify that person
(4) The details of the Personal Information being provided to the third party
5.3 We may provide the Personal Information to a third party by email or other manners to the extent of the Purpose of Use set out in Article 3.1, if we have in advance notified the Personal Information Protection Commission and you of such act. However, we will stop providing the Personal Information to the third party when you give us the notice of such in accordance with the manner prescribed in Article 11 herein.
5.4 Notwithstanding the provision in this Article, in principle, we do not provide Personal Information to any third parties, except in the manner where such provision is permitted by applicable laws and regulations.
Article 6 (Provision to Third party in a Foreign Country)
Except for the circumstances prescribed in Article 5.1, when we provide Personal Information to a third party in a foreign country or region located outside the territory of Japan, we will only provide the Personal Information to those having an established system conforming to the standard prescribed by rules of the Personal Information Protection Commission and with prior consent from you.
Article 7 (Outsourcing)
We may outsource the handling or management of Personal Information, in whole or in part, to one or more independent services provider, upon which we will in advance execute a confidentiality agreement with the terms and conditions that conform to the provisions of this Policy with each of the respective companies, and conduct necessary and appropriate supervision to ensure proper and safe management of the Personal Information.
Article 8 (Sharing of Personal Information)
We have the right to share Personal Information with our trusted partners, but only to the extent necessary for them to enhance our services, upon which we will notify you of or publicly announce in advance: types of information to be shared, the names of such partners, purpose of use, and names of persons in charge for managing such information.
Article 9 (Information Gathering Modules)
Article 10 (Insuring the Security of User Information)
10.1 For the purpose of preventing any leakage, loss or damage of User Information, we take necessary and appropriate measures to securely manage User Information by allowing only minimal and limited access to files containing Personal Information, maintaining access logs, and installing security software.
10.2 We appoint our representative director as the person in charge to properly manage User Information and to continuously make improvements in the quality of such management.
Article11 (Retrieval, Correction, Addition, and Deletion of Personal Information)
11.1 You may submit a request to retrieve, correct, add, and/or delete Personal Information you have previously provided us, by following the procedure below:
- Submit a request using the designated form on our website, or send a completed form by postal service together with a copy of a document that can verify your actual identity (or a document verifying the authority of your agent, if you are requesting through an agent).
- Upon our verifying your identity pursuant to the preceding item 1, we will fulfill your request, to the extent deemed reasonable by us. However, there may be circumstances under which we may not be able to accommodate your request, such as when we are not required to fulfill your request under the Act or other relevant laws or regulations, when you repeatedly make the same requests without justifiable grounds, or if such retrievals, corrections, additions or deletions require work by us that we deem to be excessively technical.
12.1 We use commercially reasonable efforts to continuously review and improve our handling of User Information, and may revise this Policy from time to time as necessary.
12.2 We will notify you of any revisions to this Policy by announcing such revisions on our website or through other means that can be easily accessed and viewed. However, if we are required by applicable laws or regulations to obtain your consent in order for us to make certain revisions, then we will obtain your consent in a manner separately established by us.
For any inquiries regarding our handling of User Information, including any suggestions, questions, complaints or comments, please contact our Personal Information Help Desk at:
IP BIDDERS.COM PTE. LTD.
Personal Information Help Desk
The original language of this Policy is Japanese and any translation, including this English translation, shall serve only as a guide to interpretation.
Effective 20th May, 2020


REAL ESTATE PURCHASE AND SALE PROCEDURE IN TURKEY
Although the procedure for acquiring real estate in Turkey is very similar for domestic and foreigners, there are extra procedures that foreigners are subject to due to their status. These transactions are mostly concentrated in the registry examination, regional survey of the real estate and translation services.
Akay Emlak, with its expert staff, facilitates these processes for you and provides you with a comfortable access to your title deed.
Descriptive information about whether the property is available for purchase, which a foreign citizen is planning to purchase; It can be obtained through our embassies, consulates or General Directorate of Land Registry and Cadastre.
Foreign citizens can purchase houses, land, commercial property, and land, provided that they are within the legal permissions.
Foreign citizens who will purchase vacant land or plots that do not have any structures on it; They are required to submit the project of the building they plan on the relevant land/land to the relevant institutions within 2 years at the latest.
Turkish laws state that the ownership of a real estate can only change hands with the transfer of title in front of the authorized institutions.
In addition, the property may change hands with the promise of sale contract made through a notary public, but the properties that cannot be transferred with the promise of sale contract cannot be transferred even if this contract is made.
APPLICATION OF THE PROCEDURE
A citizen of the country that is planning to buy a property can make a purchase if he is a citizen of a country with no restrictions. Namely; In accordance with the reciprocity agreement, citizens of some countries do not have the right to purchase real estate from our country. Citizens of such countries cannot make purchases.
The property owner or his legal representative officially authorized by a notary public will make a preliminary application to the Land Registry Office and transfer the transaction. Depending on the workload of the department, it is processed in the afternoon of the same day or the next day and the process is started.
With the start of the process, the Land Registry Office makes the necessary examinations and if the completion of the title deed transfer is approved, it requests that the title deed fee and the revolving fund fee be deposited in proportion to the current value of the real estate. With the payment of these fees and the submission of the relevant receipts to the land registry office, the signature is reached. The parties and, if necessary, accompanied by a sworn translator and under the supervision of the Land Registry officer, the purchase-sale transaction is approved and signed by the parties.
Thus, the new title deed is issued in the name of the buyer and is registered in the title deed records.


BrandGills Terms and Conditions
Welcome to BrandGills, a brand of INAYAT VENTURES, a registered proprietorship enterprise. By accessing and using our website, www.brandgills.com, you agree to comply with and be bound by the following terms and conditions. Please read these carefully before availing our digital marketing services.
2. Scope of Services
BrandGills specializes in providing digital marketing services to clients in India, UK, USA, Canada, Germany, UAE, Singapore, and other locations. Our services encompass, but are not limited to:
a. Search Engine Optimization (SEO): Enhancing online visibility through organic search engine strategies.
b. Social Media Marketing (SMM): Creating and managing engaging social media campaigns across various platforms.
c. Pay-Per-Click (PPC) Advertising: Designing and implementing targeted online advertising campaigns.
d. Content Marketing: Developing and distributing relevant and valuable content to attract and retain a specific audience.
e. Email Marketing: Designing and executing effective email campaigns for client engagement.
f. Web Design and Development: Crafting user-friendly and visually appealing websites for optimal online presence.
g. Analytics and Reporting: Providing detailed insights and analytics on the performance of digital marketing efforts.
3. Agreement Acceptance
By using our services, you agree to these terms and conditions. If you do not agree with any part of these terms, you may not use our services.
4. Client Obligations
Clients are responsible for providing accurate and complete information necessary for the implementation of digital marketing services. Failure to do so may impact the effectiveness of the services provided.
5. Payment Terms
Payment for our services is subject to the terms agreed upon in the service agreement. Non-payment or delayed payment may result in the suspension of services.
BrandGills respects the confidentiality of client information. We will not disclose or use any confidential information for any purpose other than the provision of services.
7. Intellectual Property
All intellectual property rights associated with the services provided by BrandGills remain the property of BrandGills. Clients are granted a non-exclusive, non-transferable license to use the deliverables for their intended purpose.
8. Termination of Services
Either party may terminate the services with written notice. Upon termination, clients are responsible for any outstanding payments for services rendered.
9. Limitation of Liability
BrandGills is not liable for any indirect, incidental, or consequential damages arising out of the use or inability to use our services.
10. Governing Law
These terms and conditions are governed by the laws of the jurisdiction in which INAYAT VENTURES is registered.
11. Contact Information
For any queries or concerns regarding these terms and conditions, please contact us at email@example.com
Thank you for choosing BrandGills for your digital marketing needs.


Mitchell Page primarily practices in the areas of public finance, local government law, election law and environmental law. He has assisted in the creation and development of master planned community projects and currently represents municipal utility districts, river authorities, regional water authorities and other special districts as bond counsel and general counsel. Mitchell’s experience as bond counsel includes loan financings with the Texas Water Development Board and the issuance of tax-exempt private activity bonds. Election law and legislative work are also areas of expertise for Mitchell.
Mitchell brings experience in bankruptcy law and federal and state environmental law to his representation of clients. Prior to joining Schwartz, Page & Harding in 2005, Mitchell was a trial attorney in the Environmental Enforcement Section of the Environment and Natural Resources Division at the U.S. Department of Justice in Washington, D.C. He was responsible for bringing civil judicial actions under federal laws enacted to protect public health and the environment from the adverse effects of pollution, such as the Clean Air Act, Clean Water Act, Safe Drinking Water Act, Oil Pollution Act, the Resource Conservation and Recovery Act (RCRA) and the Superfund law (CERCLA).
2003 – J.D., cum laude, University of Colorado; University of Colorado Law Review
2000 – B.A., cum laude, Biology and Anthropology, Vanderbilt University
Houston Bar Association
State Bar of Texas
Schwartz, Page & Harding, L.L.P.
1300 Post Oak Boulevard, Suite 2400
Houston, TX 77056
Please note that Schwartz, Page & Harding, L.L.P. cannot undertake the representation of any district, governmental entity, company or individual until we confirm that no conflicts of interest with existing clients will result.


Pulsar Instruments plc
For noise meters, sound level meters and industrial noise monitoring
Pulsar Instruments plc are a Made in Yorkshire Silver Member
Pulsar Instruments Plc April 2018 – Already well-known worldwide for their reliable and robust noise measurement products, Pulsar Instruments is extending their current health and safety focused product ranges to include a hand arm vibration meter – the Pulsar vB.
Measuring individuals’ exposure to vibration from the use of power tools and machinery is becoming even more important in the workplace. Workers exposed to excess vibration can end up with significant conditions related to Hand Arm Vibration Syndrome (HAVS) including painful and disabling disorders of the blood vessels, nerves and joints such as Vibration White Finger and vibration related Carpel Tunnel Syndrome (CTS).
The Control of Vibration at Work Regulations 2005 requires that employers make sure that risks to employees from vibration are assessed and controlled. With this is mind we believe that the Pulsar vB is the only vibration meter you’ll need, it’s fully compliant with the Regulations, and it will help you accurately measure the vibration levels of your tools, and the exposure levels to your employees.
The Pulsar vB:
Can you afford not to measure vibration?
To give you some idea of the scale of the issue, in a 1999 study by the UK MRC 4.8 million people worldwide were estimated to be at risk of HAVS, of these c. 1.7m exposed above the EAV, and c. 1m exposed above the ELV. HSE estimates that in the UK 2 million people are a risk of vibration exposure everyday and that VWF claims now represent 9% of all employers’ liability cases, and it is the most reported injury under RIDDOR.
The UK HSE research indicates that it costs a company between £7000 and £36,000 to process every £1000 paid out in claims. A significant proportion of this cost is a consequence of both the quality and the difficulties inherent in extracting historical information from past assessments in different formats.
Recent High profile compensation claims* include:
*(not including legal costs)
To start tackling HAVS in your workplace and ensure your employees are protected from vibration exposure injuries contact Pulsar Instruments today Phone: 01723 518 011, email email@example.com
The Vibration Regulations include an exposure action value (EAV) and an exposure limit value (ELV). Employers’ duties are to reduce the risks from vibration to the lowest level reasonably practicable and to reduce exposure to as low as is reasonably practicable if it is above the EAV. You must not allow exposures to exceed the ELV. If you comply with the Vibration Regulations you will prevent disability from HAVS and vibration-related CTS. In the UK, certain cases of HAVS and all cases of vibration-related CTS must be reported to HSE in accordance with the Reporting of Injuries, Diseases and Dangerous Occurrences Regulations (RIDDOR).
More information for employers can be found in HSE’s publication “Hand-arm vibration at work a brief guide”
HAVS Facts (HSE 2018)
High profile compensation claims* include:
*(not including legal costs)


Field trips are of educational or cultural value and are directly related to the curriculum. We rely on parent drivers to enable us to provide these enriching experiences. Parents volunteering to drive on field trips are required by California State Law to have a chest X-ray or TB skin test verification on file in the school office, as well as Safe Environment and Livescan clearance. A copy of the parent’s driver’s license and proof of insurance must also be on file in the school office. Drivers must have a minimum of $100,000.00/$300,000.00 in automobile liability insurance coverage on the automobile to be used. Volunteer drivers must be at least 25 years old and chaperones must be 21 years old. The classroom teacher must approve all adults on field trips. All requirements need to be fulfilled one week prior to the field trip. Otherwise, the trip could be cancelled. See Expectations for Chaperones in the back of the Handbook.


This is a US list. For countries outside the US please See below.
* Also covers one or more non-bicycle wheeled vehicles: in-line skates, roller skates, skateboarders, non-motorized scooters. There are other laws that cover them too, but we don't have the info on all of them yet. New Mexico was the first to include tricycle riders.
** Florida permitted counties to opt out. Three initially did so, but now have all rescinded their exceptions. Private property (a driveway, for example) was excluded but all roads and trails are covered.
*** Virginia's state enabling legislation permits localities to adopt laws covering only children under the age of 15. Although as shown by the blanks we do not have official confirmation in every case, all of the Virginia laws we have found specify "fourteen and younger." (shown as under 15 in our table)
That's a total of 22 State laws (including the District of Columbia as a "state") and at least 201 local laws. Only 13 states have no state or local helmet laws at all. (Arkansas, Colorado, Idaho, Indiana, Iowa, Minnesota, Nebraska, North Dakota, South Dakota, South Carolina, Utah, Vermont and Wyoming)
These are bicycle helmet laws. As noted, we often do not have good info on what laws cover skaters, scooter users, Segways or other conveyances, although where known we have a * indicating that.
Here is the same list by date that the law became effective.
We update our page periodically by searching those local municipal and County codes that are available on the Web. You can do that for your community at Municode.com if your own code is posted. Washington State codes are found at Municipal Research Services Center of Washington. Aside from the published codes, our sources are community residents who email us to tell us about their law.
We also have another page with more info on mandatory helmet laws, including copies of some of them. And we have a page for anyone writing a new law suggesting language on standards. We recommend looking at the Hernando, MS, law passed in 2010 as one that covers all the bases and has up-to-date language on standards.
To search the Web for details on state and local laws, we recommend this page on the League of American Bicyclists site.
State and local helmet laws now apply in states that include more than half of the total population of the US, but actually a much smaller portion of the population is covered, less than 15 per cent, due to age limitations of the laws. Laws have been proposed and may be either defeated or in some stage of the legislative process in a number of other states.
If you need detail on the provisions of these proposed laws, including penalties, enforcement, associated educational campaigns, helmet banks or giveaway programs, treatment of contributory negligence (liability) provisions, or dates of enactment, Safe Kids Worldwide has a status sheet on bicycle helmet laws available from Meg Farrage at 202-662-0616. We are indebted to Safe Kids Worldwide for their help in keeping our list up to date, and to Ralph Wessels for information on the Washington State communities. Shirley Scatcherd provided the info on the St. Louis County local laws (35 of them!), and we have her original detailed compilation of them up. We also have an email with detail on the St Louis County Law including their unique street sign.
EvaluationsYou can access here a compendium of bicycle helmet safety program evaluations taken from the Centers for Disease Control's MMWR issue titled "Injury Control Recommendations: Bicycle Helmets" Please send us any other evaluations you may see in the future so we can add them to this page.
Here is a link to a formal study on the effect of bicycle helmet legislation on bicycling fatalities.
Consumer Product Safety Commission staffer Greg Rodgers has published a study concluding that the presence of a State law increases helmet use by 18.4 per cent.
New York State reported that since it introduced its first helmet law in 1989 for passengers under 5, and its second in 1994 for riders under 14, the annual rate of cyclists hospitalized from bicycle-related traumatic brain injuries fell for the under 14 group from 464 in 1990 to 209 in 1995. The rate for cyclists 14 and over for the same years declined less rapidly, from 454 to 382. There is no way to determine exactly what proportion of the improvement was due to helmet laws, since there is no data on improvements to bicycle facility safety, rider education or total miles ridden in those years, and helmet promotion campaigns by Safe Kids Worldwide and others were active in the state. But it is likely that increased helmet use, prompted by passage of the first law in 1989 and the promotion campaigns in New York communities, played a role in the reduction of injuries.
New Jersey reported in July of 1997 that since it introduced a helmet law for kids under 14 the number of bicycle-related fatalities for that group fell by 60 per cent, from 41 in 1987-1991 to 16 in 1992-1997. For riders age 14 and over the figures were 75 and 71. The School Board of Sommers Point, NJ added a helmet rule and boosted helmet use by those who ride to school from 6 per cent up to more than 70 per cent. Their attorney thought that failure to require helmets could leave the School District liable in the event of an injury.
Duval County, Florida, reported an increase in helmet use by all ages from 19 per cent in 1996 to 47 per cent in 1997 after the Florida law was passed. Bicycle deaths fell from five to one, and injuries from 325 to 105. Results were even better in the age group covered by the law. Hillsborough County, Florida, also reports an increase in helmet use and a decline in injuries after passage of the same law.
A study done in North Carolina using actual field observation before (1999) and after (2002) their law covering kids under 16 passed showed a small increase in adult helmet use but no increase for kids covered by the law. Overall on-street NC helmet use went from 18% to 24%, with larger gains among mountain bikers. The study concluded that "statistical analyses indicate that the law failed to generate a differential increase in helmet use by children ages zero to 15 years, mandated to wear helmets, compared with those ages 16 and above and not covered by the law. Although the difference in helmet use between surveys (1999 pre-law and 2002 post-law) was significant, it is clear that the helmet requirement has had little effect on increasing helmet use by children thus far." As far as we know they have not updated the study since 2002.
A study published in Pediatrics in 2002 found that in Canada the bicycle-related head injury rate declined significantly (45% reduction) in provinces where legislation had been adopted compared with provinces and territories that did not adopt legislation (27% reduction). A 2010 Canadian study showed that bicycle usage remained constant after helmet laws were adopted in two provinces, and that helmet use was increased more by all-ages laws than those applying only to children.
A study of California statistics by Lee et al published in Accident Analysis & Prevention in 2005 shows that head injuries in the under-16 group covered by the law went down by 18.2 per cent in California after the state helmet law was passed. There was no change in adult head injury rates.
This statistical analysis concludes that passing a state-wide bicycle helmet law covering youth riders reduces cycling by those who are covered by the law by 4 to 5 per cent. We note a number of problems with the data they used, but are still concerned about the conclusion. No actual rider counts have ever shown that result anywhere in the US.
NotesAs of April, 2015, the State of California was considering legislation that would require the Office of Traffic Safety and California Highway Patrol to conduct a study of bicycle helmet use for the legislature and report by January 1, 2017. That replaced a 2015 bill to extend the state's bicycle helmet law to all ages.
The National Survey of Bicyclist and Pedestrian Attitudes and Behavior, a Gallup poll sponsored by the US Government, found that 90% of cyclists support helmet laws for children, while 62 percent support such laws for adults. (Here is an excerpt from the study with details.)
The Spokane law was passed by the City Council over the Mayor's veto. The Mayor wanted to delay, reduce coverage to those 16 and under, not cover skateboarders or inline skaters and coordinate with neighboring jurisdictions. The Council vote was 5-1 with one absent. Here is a columnist in the local newspaper who agreed with the action.
The Shaker Heights, Ohio, law covers adults but not kids under the age of 5 years. It does cover passengers on bicycles, however. The Austin, Texas, law was originally for all ages, but a grass-roots protest movement resulted in limiting it in October, 1997, to riders under 18. A similar change was made in Barrington, Illinois. Seymour, Connecticut, repealed its law. (The referendum also included an unpopular no-smoking law.) An attempt in 1999 to force a referendum on the Farmington Hills, Michigan, law for riders under 16 failed for lack of signatures.
El Cerrito, California, dropped its 1993 all-ages law in 2013, noting that the 1994 California State statute takes precedence. In 2015 there is a California State Senate bill that would expand their law to cover all ages, skateboards, non-motorized scooters and more.
The Dallas all-ages law was changed in June, 2014 after 18 years and now applies only to riders under 18. The impetus was the establishment of a shared bicycle program, whose promoters believed a strictly-enforced all-ages law would severely restrict their program. A local newspaper reported that the majority of the citations had been handed out in poor, minority neighborhoods, leading to charges that the law was not evenly applied. This article shows that few citations had been handed out to younger riders. And this study indicates that the proportion of head injuries may rise in Dallas, although any effect on injury rates remains to be seen.
The City of Oakwood, Ohio, has taken an different route by adopting a resolution encouraging the use of helmets. It directs the Safety Department (Police) to develop educational programs for helmet safety. It also provides the authority for officers to "wave over" minor cyclists who are not using protective head gear. No fines or other deterrents are permissible as this is not an ordinance, but a "soft mandate."
King County, Washington, mounted a comprehensive safety program with many elements, including their all-ages helmet law. They brought their child deaths down by 62 percent over a nine year period.
Many bicycle clubs, the US racer's organizing body, USA Cycling and the Triathlon Federation require helmets in their events, although they may or may not support helmet laws. Touring organizations like Adventure Cycling usually require them for tour riders. U.S. military regulations require helmets on military facilities. The National Bicycle Dealers Association opposes mandatory helmet laws. Bicycle Retailer and Industry News has editorialized against them.
For some years the World Health Organization Helmet Initiative promoted helmet use for bicycles and motorcycles worldwide. It published a newsletter, Headlines, focused primarily on international helmet promotion and helmet laws. The December, 2004, issue of Headlines had articles on bicycle helmet laws in Sweden and as well as motorcycle helmet laws in Italy and two US states: Kentucky and Louisiana. A 2008 journal article concluded that motorcycle fatality rates are 22-33% lower in state with an all-ages motorcycle helmet law and 7-10% lower when the law covers only certain ages. The Initiative Web page is no longer being funded, however, and during 2010 the Web page may disappear.
In Australia, bicycle helmets are mandatory in all states and territories for all ages. Compliance is high but varies by area, with some cities over 90% and rural areas much lower. In the State of Victoria cyclists' head injuries declined 41%. There were 36% fewer child riders on the road, immediately after the legislation passed, but perhaps more adult riders. Changes in ridership may or may not have been related to the passage of the laws, and the road culture in Australia is unique to that country. (No similar effects have ever been documented in the US.) Injury reduction was below expectations, but still spectacular. Hospital data from Western Australia showed that the number of intracranial injuries was cut in half with increased helmet use, while head injuries were less serious, and hospital stays shorter. There is more analysis in this journal article and this followup article. In a survey done in 2011, those who do not ride a bike for transport cited road safety and traffic as their main concerns, with about 16% saying helmets deter them, ranking number 13 in the list. In 2011 a film maker in Brisbane produced this anti-helmet law video for an organization called helmetfreedom.org that hopes to repeal the Queensland law. In 2012 this study of long term bicycle related head injury trends for New South Wales found indicators that cycling has increased and head injuries have dropped over time. Here is a summary by the authors. Posting comments on this blog the critics continue to debate. In 2016 Canberra announced they would study the possibility of relaxing their helmet law for "parks, town centres and other low-speed environments such as shared zones and university precincts" in an effort to increase ridership.
New Zealand's national helmet law took effect in January, 1994. This study shows that although cyclists' injuries increased in the years thereafter, head injuries declined. If the link does not work we have another copy.
Sweden is reportedly considering a national law. Iceland's mandatory helmet rule, a ministerial decree covering children under 15, came into effect in September of 1999. The Spanish legislature passed a comprehensive bicycle law in mid-1999 that reportedly included a mandatory helmet provision, although we do not have any further information on it. The Swedish government has conducted an international literature search, summarized in this study published in 2003. (See page four for the English abstract.) They found that helmet laws can achieve levels of usage not achieved by education alone, that helmet laws reduce head injuries, and that helmet laws can result in a reduction of cycling by young people. We have the abstract up on our site if you can't deal with the .pdf file.
The British Medical Association examined the evidence and recommended in 2004 that the UK adopt a mandatory helmet law for both children and adults. They had previously recognized the benefits of helmet use but had feared that a helmet law might reduce cycling, resulting in negative net health benefits. That same argument led readers polled by the BMA's magazine to vote against helmet laws in 2011. In 2010 Jersey was considering a new law that would require helmets for riders under 18, having rejected a proposal for an all-ages law. The UK's Transport Research Laboratory has published a paper on the effectiveness of helmets. It found that in 2008, 34 per cent of riders in the UK were already wearing helmets on major roads, and 17 per cent on minor roads. In a 2011 poll of 4000 cyclists conducted by the non-profit IAM, ten percent of the respondents said they would quit cycling if a mandatory helmet law were enacted.
The Copenhagen Post reported in November, 2009 that a failed attempt to pass a Danish law requiring helmets for those under 12 was being revived after evidence surfaced that the proportion of Danish cyclists arriving at emergency rooms with head injuries was declining as helmet use there has increased to about one in six cyclists.
In 2011 Switzerland considered a helmet law as part of a package to reduce road deaths, but the Transportation Committee of the National Council rejected the recommendation.
Canada has provincial and local helmet laws. Ontario's helmet law for cyclists under 18 took effect in 1995. It was originally to have covered all ages, and there is a bill in parliament now to extend it to do that. There is spirited opposition by a few cyclists there. (see links below) Proponents cite the cost of cyclists' injuries to the national health system, without reference to the much greater cost of treating those injured in cars, a blind spot also found in the US. In March, 2003, the Canadian Institute for Health Information announced that hospitalizations due to cycling-related injuries were down 12.5 per cent between 1997-98 and 2001-02. Head injuries fell even more precipitously, by 26 per cent during the same period. British Columbia's 1996 all-ages law was very successful in increasing helmet use, according to an evaluation project for this law conducted by the University of North Carolina. It showed substantial increases in helmet use after the law was passed. There are exceptions to the law for medical exemptions, those with heads larger than size 8 (manufacturers had not yet begun producing the extra extra large helmets available today) and those whose religion requires headgear that makes helmets impossible (primarily Sikhs). Nova Scotia's law came into effect in 1997 and covers all ages. New Brunswick also has an all-ages law. In Quebec, the Montreal suburbs of Cote Saint-Luc and Westmount have passed by-laws requiring the use of bicycle helmets within their boundaries. In October, 1997, the Cote Saint-Luc law was extended to cover bicyclists and skaters of all ages. Alberta added a law on May 1, 2002, requiring helmets for riders under 18, including passengers and toddlers on tricycles. Prince Edward Island's law was effective on July 5, 2003, and covers all ages. A research project in Toronto before and after their law came into effect showed that "although the number of child cyclists per hour was significantly different in different years, these differences could not be attributed to legislation. In 1996, the year after legislation came into effect, average cycling levels were higher (6.84 cyclists per hour) than in 1995, the year before legislation (4.33 cyclists per hour)." Conclusion: Contrary to the findings in Australia, the introduction of helmet legislation did not have a significant negative impact on child cycling in this community. Manitoba's under-18 helmet law comes into effect during 2013. They will permit first-time offenders to avoid a fine by taking an on-line bike safety quiz. A 2015 law in Newfoundland and Labrador requires all cyclists of any age to wear a helmet.
Dubai adopted an all-ages mandatory helmet law in 2010. The fine for not wearing a helmet is 500 dirhams, about $136 US.
Finland passed a mandatory helmet law with an effective date of January, 2003. It covers all ages, but there is no fine associated with breaking the law.
Spain adopted a mandatory helmet law for cycling outside of cities in 2004. Helmets are not compulsory in towns and may be removed while climbing steep hills. In addition, Spain adopted a mandatory helmet law for riders under 17 in March of 2014.
Iceland's under 15 rule is mentioned above
The Czech Republic requires helmets for those under 16.
France has a lively discussion on helmets going on. The best summary is probably this page on the Mieux se Déplacer à Bicyclette site. They analyze deaths in Paris and in France as a whole and conclude that helmet usage is a personal question but can save lives.
The Netherlands has a similar discussion, focusing primarily on children and seniors. Helmet laws would be a big step for a country as bike-centric as the Netherlands, where cycling has been made safer by meticulous attention to road facilities, legal structure that places all blame on a motorist in a crash and by high volumes of riders.
Japan adopted a national helmet law in 2008 that requires children under 13 to wear helmets. This story reports that 76 per cent of the surveyed parents of kids 1 to 6 years old had bought helmets for their kids, but only 54 per cent said the kids always wear them.
Mexico City briefly adopted a mandatory helmet law, but this article on the European Bicycle Federation site says they repealed it in February of 2010 in an effort to support their shared bicycle rental program, Ecobici. We have more comments on our page on shared bicycle programs.
In April of 2003 the Union Cycliste Internationale (UCI) announced that it intended to make helmet use compulsory in the professional races it sanctions. The ruling has stuck this time (in 1991 an compulsory helmet rule was rejected by the riders). It followed several well-publicized deaths, including that of Kazakh rider Andrei Kivilev. Kivilev died of a head injury without a helmet. The impetus for the ruling had also grown since a helmeted rider fell on a turn at an intersection in a rainy Dutch stage of the Tour de France and hit his head on a concrete bollard in the center of the road, but to the astonishment of the crowd got up and raced away. In 2004 the UCI even extended its requirement for impact protection to the teardrop-shaped "chrono" helmets the riders use in time trials for better aerodynamics. The rule has an exemption for elite riders in climbs of more than 5 km.
The Bicycle Helmet Safety Institute supports carefully drawn mandatory helmet laws covering all age groups because we believe they are needed to raise awareness that helmets save lives, in the same way that seatbelt laws and smoke detector requirements were used to inform the public that those safety devices were necessary. Many riders and parents do not know that they need a helmet, and the laws educate as much as they force compliance. We also believe that most riders regard helmets as a fashion item rather than as a safety appliance, and like any other fashion this one may wane. We support efforts to improve the safety of the cycling environment to reduce the need for helmets, and that should always be regarded as the primary injury prevention measure for reducing all injuries to cyclists. We do not believe that wearing a helmet causes riders to take additional risks. We believe that in this country promoting helmets will not detract from the effort to improve road safety, and in fact has stimulated those efforts, giving us the most widespread and best-supported campaigns for better road safety for cyclists that we have ever had in our history. We are keenly aware that safer cycling requires more riders on the streets, but we do not believe that helmets discourage cycling in the US. Since bicycles on a public road are vehicles, we believe that the operator has the rights and obligations of vehicle users in our ever-more-populated and outrageously unsafe road environment, so requiring a bicycle helmet is as reasonable as requiring a helmet on a motorcycle rider or requiring seatbelt usage in cars. We would support provisions for medical exemptions based on a doctor's certification or religious requirements for headgear.


Tax for Class 3 scooters
If you have a Class 3 scooter or powered wheelchair, by law it must be taxed. This is because these products are legally entitled to travel on some roads.
Since 1 October 2014, due to nationwide changes, the DVLA stopped issuing tax discs and you will no longer need to display a tax disc on your Class 3 product. Tax will still need to be arranged and this is included as part of your worry-free package. Each year the DVLA will send a letter to confirm your product has been taxed and provide details of the new tax expiry date. This will be sent to you in the middle of the month before your tax is due to expire.
You can check whether your product is taxed by calling the DVLA on 0300 790 6802. You will need to provide your registration number which your dealer should have given to you when they handed over your product. If you do not have the registration number, please contact your dealer .


Hong Kong Halts Vape Sales Ban: Understanding the Decision
Understanding the Decision
Hong Kong has been considering a ban on the sale of vaping products as part of efforts to regulate the use of e-cigarettes and reduce their appeal among young people. The proposed ban has sparked debates and discussions among policymakers, health experts, and the public.
Recently, the Hong Kong government announced that it would not proceed with plans to ban the sale of vaping products, at least for the time being. The decision comes after careful consideration of various factors, including public opinion, scientific evidence, and potential economic implications.
Reasoning Behind the Decision
Several factors likely influenced Hong Kong’s decision to postpone the ban on vape sales. Firstly, there is ongoing debate regarding the effectiveness of vaping regulations in reducing tobacco use and protecting public health. Additionally, concerns have been raised about the impact of a vape ban on businesses and consumers.
Implications and Future Outlook
Public Health Concerns
While the decision to delay the vape sales ban may provide relief to businesses and consumers, it also raises concerns about public health. E-cigarettes have been subject to scrutiny due to potential health risks, especially among young people. Hong Kong authorities will need to carefully consider evidence-based policies to address these concerns while balancing individual freedoms and public health priorities.
The decision highlights the importance of establishing a comprehensive regulatory framework for vaping products. Effective regulation should focus on restricting youth access, ensuring product safety and quality, and promoting harm reduction strategies for adult smokers looking to quit traditional cigarettes.
Continued Debate and Dialogue
The debate surrounding vaping regulation is likely to continue as policymakers, health experts, and stakeholders grapple with complex issues related to public health, individual rights, and industry interests. Continued dialogue and collaboration will be essential to develop evidence-based policies that address the evolving landscape of vaping.
Hong Kong’s decision to postpone plans to ban vape sales reflects the complexities and challenges associated with regulating e-cigarettes. While the announcement provides temporary relief, it underscores the need for thoughtful and evidence-based approaches to vaping regulation. Moving forward, policymakers must work collaboratively to develop policies that protect public health while respecting individual freedoms.
Stay tuned for further developments and updates on vaping regulations in Hong Kong and around the world.


Terms of sale
The owner of the online store 47up.ee (hereinafter: online store) is:
OÜ Al Bundy, registry code 14616035,
Mustamäe tee 55, 10621, Tallinn,
phone 6 200 586, e-mail: firstname.lastname@example.org
1. These terms of sale regulate the legal relations between the customers of the online store (hereinafter ""customer"" or ""buyer"") and Al Bundy OÜ.
2. Compliance with the terms of sale is mandatory for the customer.
3. When placing an order, the customer declares that he or she has read and understood these terms and conditions of sale.
4. In the event of a conflict between the terms of the sale and the mandatory rules, the latter shall prevail. If necessary (for example, in case of disputes or missing information), the legal provisions supplement these terms of sale.
5. In addition, the relationship is regulated by good trading practices and additional information published in the online store with photos of the goods, as well as the online store's instructions to the customer.
6. The online store has the right to unilaterally change the terms of sale and the composition and prices of the offered goods at any time without prior notice. If the customer submits the order before the change takes effect, the conditions and prices valid at the time of sending the order apply to the customer. In this case, the customer has no right to demand compensation for the price difference.
7. Not all items displayed in the online store may always be in stock. In this case, the online store will contact the customer and offer a new delivery time or replacement of the goods with another goods of the same price. If the customer does not agree with the offer, he or she can refuse the order and the money paid will be returned to the customer.
8. The descriptions of the goods may not be exhaustive and may contain unintentional errors.
9. Orders submitted to the online store will be reviewed and the buyer will be contacted by e-mail no later than the working day following the submission of the order.
10. When submitting the order, the customer must enter the data necessary for the performance of the sales contract (incl. the customer's surname and first name, telephone number, e-mail address and the method of delivery of the goods).
11. The customer undertakes to provide true data that is necessary for the online store to fulfill the order. The online store is not responsible for non-fulfillment of the order due to incorrect data provided by the customer or other negative consequences thereof.
12. Delivery time within Estonia is up to 5 working days, unless otherwise stated. Generally, the delivery time of the goods is less than 3 working days. If the online store cannot deliver some goods within 5 working days, the customer will be informed immediately. In this case, the customer can cancel the order and the amount paid will be returned to the customer.
13. The goods are delivered by courier only to the address entered in the order or to the parcel machine and handed over only to the customer. The goods are handed over to a third party only by special agreement with the customer.
II Withdrawal from the sales contract by the customer before performance of the sales contract
14. If the customer wishes to withdraw from the contract after placing the order and before the online store fulfills the sales contract, he or she undertakes to notify the online store as soon as possible. To do this, the customer must send the corresponding withdrawal application to the e-mail address email@example.com. The withdrawal application must contain the order number from which it is desired to withdraw and the necessary information (customer's first and last name, date of submission of the order, e-mail address and telephone number). The online store will return the amount paid by the customer within 30 days of receiving the compliant withdrawal application.
15. If the withdrawal application reaches the online store after the latter has started the performance of the contract for the sale of products, only Part V (Right of Withdrawal) of the terms of sale applies.
III Placing an order
16. To order goods, you need to add the desired products to the shopping cart. To place an order, fill in the required data fields and select the appropriate method of product delivery. The amount of the fee that can be paid via a bank link or another payment solution is displayed on the screen.
17. The agreement enters into force upon receipt of the amount due to the current account of the online store. If the ordered goods cannot be delivered due to the end of the goods or for any other reason, the buyer will be notified as soon as possible and the money paid will be refunded immediately, but not later than within 14 days of sending the notice.
IV Right of withdrawal
18. After receiving the goods, the buyer has the right to withdraw from the contract concluded in the e-shop within 14 days.
19. The right of withdrawal does not apply if the buyer is a legal person or if the goods were purchased in a physical store.
20. In order to exercise the 14-day right of withdrawal, the ordered goods may not be used in any other way than is necessary to verify the nature, characteristics and functioning of the goods in the manner permitted for testing the goods in a physical store.
21. If the goods have been used for purposes other than those necessary to ascertain the nature, characteristics and functioning of the goods or have signs of use or wear, the online store has the right to reduce the refundable fee according to the decrease in value or refuse to refund the fee.
22. In order to return the goods, an application for withdrawal from the purchase of the goods must be submitted, the form of which can be found here: withdrawal application and sent to the e-mail address firstname.lastname@example.org within 14 days of receipt of the goods.
23. The costs of returning the goods shall be borne by the buyer, unless the reason for the return is the fact that the item to be returned does not correspond to what was ordered (e.g., a wrong or defective item).
24. The buyer must return the goods within 14 days of submitting the application or provide proof that he has handed over the goods to the carrier within the aforementioned period.
25. The online store will refund all fees received from the buyer under the contract immediately upon receipt of the returned goods to the buyer, but not later than after 14 days.
26. The online store may refuse to make refunds until the goods that are the subject of the contract have been returned or until the buyer has provided proof that he has returned the item, whichever is earlier.
27. If the buyer has explicitly chosen a delivery method other than the cheapest normal delivery method offered by the online store, the online store does not have to reimburse the buyer for a cost that exceeds the cost associated with the normal delivery method.
28. The online store has the right to withdraw from the sales contract and demand the return of the goods from the buyer if the price of the goods in the online store is significantly lower than the market price of the goods due to a mistake.
V Right to lodge a complaint
29. The online store is liable for non-compliance or defect of the goods sold to the buyer, which already existed at the time of delivery of the thing and which becomes apparent within two years from the delivery of the goods to the buyer. During the first six months from the delivery of the thing to the buyer, it is presumed that the defect already existed at the time of delivery of the goods. It is the responsibility of the online store to rebut this presumption. The buyer has the right to contact the online store at email@example.com within two months at the latest. 30. The online store is not responsible for defects that have occurred after the delivery of the goods to the buyer.
31. If the goods purchased from the online store have defects for which the online store is responsible, the online store will repair or replace the defective goods. If the goods cannot be repaired or replaced, the online store will return all fees associated with the sales contract to the buyer.
32. The online store shall respond to the complaint submitted by the consumer in writing or in a form that can be reproduced in writing within 15 days.
33. If the buyer and the online store are unable to resolve the dispute by agreement, the buyer can turn to the Consumer Disputes Committee. The terms of the procedure can be viewed and the application submitted here. The Consumer Disputes Committee is competent to resolve disputes arising from the contract concluded between the buyer and the online store. The Committee's review of the buyer's complaint is free of charge.
34. The buyer can also turn to the European Union's consumer dispute resolution platform.


Our owner, Kimberly (Kim) Portik, has been a certified court reporter for 24 years. She has continued to expand her skills as a reporter and has achieved national certifications as a Registered Merit Reporter, Certified CART Provider, Certified Realtime Reporter, and Certified Legal Video Specialist. Along with her Arizona Certified Reporter certification, she is a Certified Court Reporter in California and was previously licensed in Washington. She currently divides her time between judicial reporting and providing CART services for deaf and hard-of-hearing consumers.
Kim continually strives to stay abreast of the latest technology and assists fellow reporters by providing software training as a Stenograph Certified Independent Training Agent for Case CATalyst software.
Every deposition reporter on our court reporting staff has achieved national certification, with a minimum of 10 years reporting experience. All of our court reporters are highly proficient in dealing with complex litigation, document-intensive cases, medical malpractice, legal malpractice, wrongful death, accounting malpractice, accident reconstruction, dram shop, nursing home neglect and abuse, family law, and municipality law.


Terms and Conditions
These user terms and conditions apply to all services offered by Extend Enterprises, Inc. Please read these terms and conditions carefully, as they govern your use of our services.
The following terms used in these terms and conditions are defined as follows:
- "Registered Card” refers to the credit card, credit account, charge card, central bill account, or other credit product issued to a Cardholder by one of our participating financial institutions that such Cardholder registers within Extend.
- "Cardholder” refers to a user of Extend who is the holder of a Registered Card in Extend.
- "Recipient” refers to a user of Extend who receives a Virtual Card from a Cardholder through Extend.
- "Virtual Card” refers to a credit card number and associated information (such as the security code, expiration date, and billing address), and any Virtual Card Parameters that may apply.
- "Virtual Card Parameters” refer to the parameters by which a Cardholder can limit the usage of a Virtual Card. These parameters include the maximum amount of spend authorized by a Cardholder on a Virtual Card and the validity date a Cardholder has set on such Virtual Card during which the Virtual Card can be used to transact.
Our services are separate from other services you may need to use in connection with ours, such as services provided to you by your mobile device maker, your telecommunication provider, your employer or other company that is requesting you to use our services, or the financial institution providing the Registered Card that a Cardholder registers in Extend. We have no responsibility with respect to these third parties and any services they provide to you. It is your responsibility to ensure that your use of our services is allowed under your agreement with any such third parties, and you will be solely responsible for any fees or other charges that those third parties may charge you in connection with your use of their services.
In order to use Extend, you must first create a user account with us, which requires your first name, last name, a valid phone number, a valid email address, and the creation of a password. Users of Extend can be either a Cardholder, a Recipient, or both. To be able to send a Virtual Card, a user must first register a Registered Card that is eligible for Virtual Card creation, and provide the billing address associated with that Registered Card. That Cardholder will be solely responsible for all Virtual Cards associated with the Registered Card, the Virtual Card Parameters of each Virtual Card, the usage of each Virtual Card, and any Recipients with access to such Virtual Cards.
Your access to and use of Extend is at our sole discretion. We reserve the right to interrupt, block or terminate your access to our services at any time for any reason. If we take these actions against you, you will no longer have access to Extend.
Extend does not process any credit card transactions. You are solely responsible for using the Virtual Card information made available to you or sent by you through Extend, in a manner that complies with the terms and conditions governing the applicable Registered Card and any applicable laws or regulations.
You are responsible for maintaining adequate security and control of the user ID and password that you create to establish your user account with us.
You will be fully responsible for all activity originating from your user account and password. YOU SOLELY TAKE ON THE RISK OF ANY FRAUDULENT, UNAUTHORIZED OR OTHERWISE IMPROPER ACTIVITY THAT MAY RESULT FROM THE USE OF OUR SERVICES THAT ORIGINATE FROM YOUR USER ACCOUNT, INCLUDING, WITHOUT LIMITATION, ANY VIRTUAL CARD CREATION, ANY VIRTUAL CARD PARAMETERS, ANY VIRTUAL CARD USAGE, AND ANY RECIPIENTS WHO GAIN ACCESS TO VIRTUAL CARDS ASSOCIATED WITH YOUR REGISTERED CARD, WHETHER AUTHORIZED BY YOU.
You must notify us immediately if you become aware of or suspect any fraudulent or unauthorized activity on your account.
We grant you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access or use our services, which may include software, website interfaces or applications, including any subsequent updates or upgrades. You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from our services.
Registered Card and Virtual Card information sent through Extend are transmitted in compliance with the Payment Card Industry Data Security Standards, or PCI-DSS v3.2.1.
BY USING OUR SERVICES, YOU AGREE THAT WE MAY COLLECT, RETAIN, SHARE AND USE YOUR DATA, WHETHER AT A TRANSACTIONAL LEVEL OR AGGREGATED WITH OTHER USER DATA, FOR PURPOSES OF PROVIDING SERVICES TO YOU AND FOR ANALYTICAL PURPOSES THAT WILL HELP US IMPROVE OUR SERVICES AND THE USER EXPERIENCE.
ENTITIES WITH WHICH WE MAY SHARE YOUR DATA INCLUDE THE FINANCIAL INSTITUTION THAT PROVIDED THE CARDHOLDER WITH THE REGISTERED CARD USED IN THE EXTEND SERVICES; MERCHANTS; YOUR EMPLOYER OR THE COMPANY THROUGH WHICH YOU ARE UTILIZING THE EXTEND SERVICES, THE CARDHOLDER WHO SENT OR APPROVED THE VIRTUAL CARD YOU RECEIVED, OR CARD NETWORKS SUCH AS VISA, MASTERCARD OR AMERICAN EXPRESS. IN ADDITION TO SHARING YOUR DATA WITH SUCH ENTITIES, EXTEND MAY ALSO RECEIVE DATA ABOUT YOU FROM THESE ENTITIES. BY USING OUR SERVICES, YOU ACKNOWLEDGE AND CONSENT TO OUR RECEIPT OF SUCH DATA ABOUT YOU FROM THESE ENTITIES.
We may make changes to these user agreement at any time by providing you with a copy of the revised agreement and notice of the future date when such changes will take effect. Your continued use of the service after the effective date of the new terms will constitute your acceptance of such changes. If you do not agree to the new terms, you should discontinue use of our service prior to the date the revised agreement takes effect.
You are responsible for providing and maintaining with us an updated and valid email address, which we will use to contact you for any important updates to our services, including changes to these terms and conditions, which may include changes to any fees that we may charge you in connection with our services.
You agree to email as the means by which we can communicate with you and that receipt of any communication sent from us to you by email will be deemed received by you 24 hours after we send the email to you.
We may terminate our services with you at any time for any reason.
It is your responsibility to notify us if you should choose to terminate your user account with us. You may close your user account with us at anytime by notifying us by email of your decision. Any fees that you owe to us as of the date you terminate your user account will become due and payable immediately.
There are no fees for the use of Extend by a user, unless otherwise agreed separately between us and the issuer of the Registered Card you use in Extend, in which case, notice of any such applicable fees will be communicated to you separately and with prior notice.
Your use of our services is at your own risk.
We will not be liable to you for any of the following: your use of, or your inability to use, our services; any fraudulent or unwanted use of your Registered Card or Virtual Cards associated with that Registered Card by you or any third party; any delays, errors, or disruptions in our services; any viruses or other malicious software; and any actions of any third parties, including the financial institution providing the Registered Card used with Extend, merchants, or the card networks such as Visa, MasterCard or American Express. Actions taken by third parties for which we will not be liable may include, but are not limited to, declined Virtual Card transactions, declined requests for creation of a Virtual Card, or declined Registered Card transactions.
To the extent we are found liable to you, our liability will not exceed the total amount of fees paid by you to us in the preceding 12-month period for use of our services, or $100, whichever is greater, unless otherwise prohibited by applicable law.
IN NO EVENT WILL EXTEND ENTERPRISES, INC., ITS AFFILIATES, OR ITS DIRECTORS, OFFICERS, AGENTS OR EMPLOYEES BE LIABLE FOR ANY LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION FOR BREACHES OF PRIVACY, FOR ANY DATA LOSS OR FOR LOSS OF BUSINESS) ARISING OUT OF OR IN CONNECTION WITH OUR SERVICES, UNLESS AND TO THE EXTENT PROHIBITED BY LAW.
Our services are provided to you "as is", without any representation or warranty of any kind, whether expressed or implied, including implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.
You agree to indemnify and hold harmless Extend Enterprises, Inc., its affiliates, and its directors, officers, agents, and employees, for any actions, claims or demands, including attorney’s fees, arising in connection with our services or due to a breach of these terms and conditions by you, improper or unauthorized use of your user account or Registered Card by a third party, or your violation of any laws or regulations or the rights of any third party.
Extend Enterprises, Inc. owns all right, title, and interest in and to our services and all content in connection with our services, including any trademarks, patents, data, logos, technology, software, and applications.
These terms and conditions are governed under the laws of the State of New York without regard to any conflict of law principles.
Our failure to act with respect to a breach of any of your obligations under these terms and conditions does not waive our right to act with respect to subsequent or similar breaches. You may not transfer or assign any rights or obligations you have under these terms and conditions.
If there are any questions regarding our services or these terms and conditions, you may contact us at support.paywithextend.com
[Effective on July 1, 2019]


TOIS DATA PROTECTION AND PRIVACY
The Ostrava International School (hereinafter referred to as TOIS) is committed to safeguarding the privacy and security of personal information. TOIS processes and collects your the personal data of its students and their guardians, in compliance with the European General Data Protection Regulation -GDPR – (Regulation (EU) 2016/679) and applicable legislation of the Czech Republic. For additional information on data protection and privacy notices, please visit www.tois.world
The Data Controller
In the language of GDPR, TOIS is the Data Controller, the entity that collects your data. TOIS is registered at Gregorova 3, 702 00 Ostrava, Czech Republic. You can reach us at: (+420) 731 004 369, or by email at email@example.com
The Data Protection Officer (DPO)
Our Data Protection Officer is Ing. Jiří Knopp, and he can be reached at +420 776 089339: firstname.lastname@example.org .
We collect your personal data and all other information you provide in this form in order to provide you with information about our educational programmes.
The lawful basis to process your personal data is your consent. By clicking the “Submit” button you are giving TOIS your consent to process your personal data and that of your child/ren for the purpose described above.
You may withdraw your consent at any time, informing us in writing to the contact details specified above.
TOIS will not share or disclose your personal data with any third party.
Transfers of personal data to third countries or international organizations
For the purpose stated above, TOIS will only use processors providing sufficient guarantees to implement appropriate technical and organisational measures in such a manner that processing will meet the requirements of the GDPR. TOIS will transfer data to Managebac LLC – Open Apply, who will process it on behalf of TOIS under a data processing agreement according to the GDPR. Managebac LLC – Open Apply is certified under the EU-U.S. Privacy Shield Framework thus the transfer ensures an adequate level of protection.
You have the right to request access to, rectification, erasure of personal data, restriction of processing, object to processing, as well as other rights contained in the GDPR and/or applicable legislation, in writing to the Controller and/or Data Protection Officer.


Welcome to OHPNK! These Terms and Conditions govern your use of our website, OHPNK, accessible at www.ohpnk.com. By using our website, you agree to comply with these Terms and Conditions. If you do not agree with any of these terms, please refrain from using our website.
Intellectual Property Rights
The content and materials on OHPNK, including but not limited to text, graphics, logos, images, audio clips, video clips, and software, are the intellectual property of OHPNK and are protected by applicable intellectual property laws. You are granted a limited license to view the material on our website for personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, publish, sell, license, create derivative works, or use any content from our website without prior written permission from OHPNK.
You are specifically restricted from the following actions:
- Publishing or using any website material in any other media.
- Selling, sublicensing, or otherwise commercializing any website material.
- Publicly performing or showing any website material.
- Using our website in any way that may cause damage to the website or impair user access.
- Using our website in violation of applicable laws and regulations or in any way that may harm the website, individuals, or business entities.
- Engaging in data mining, data harvesting, data extracting, or any similar activity in relation to our website.
- Using our website for advertising or marketing purposes without our prior written consent.
Certain areas of our website may be restricted from access, and OHPNK may further restrict access at any time at its discretion. Any user ID and password provided to you are confidential, and you must maintain their confidentiality.
"Your Content" refers to any audio, video, text, images, or other material you choose to display on our website. By displaying Your Content, you grant OHPNK a non-exclusive, worldwide, irrevocable, sublicensable license to use, reproduce, adapt, publish, translate, and distribute it in any and all media. Your Content must not infringe upon the rights of any third party, and OHPNK reserves the right to remove any of Your Content from our website at any time without notice.
Our website is provided "as is" and OHPNK makes no representations or warranties of any kind, whether express or implied, regarding the operation of the website or the materials contained on it. You acknowledge that your use of our website is at your own risk.
You agree to indemnify and hold OHPNK and its affiliates, officers, directors, employees, and agents harmless from any liabilities, costs, demands, causes of action, damages, or expenses arising out of or in any way related to your breach of these Terms and Conditions or your use of our website.
Variation of Terms
OHPNK reserves the right to revise these Terms and Conditions at any time without prior notice. By using our website, you agree to review these Terms and Conditions periodically and be aware of any changes made.
You may not assign, transfer, or subcontract your rights and obligations under these Terms and Conditions without the prior written consent of OHPNK. OHPNK reserves the right to assign, transfer, or subcontract its rights and obligations under these Terms and Conditions without any notification.
These Terms and Conditions constitute the entire agreement between OHPNK and you regarding your use of our website, superseding any prior agreements or understandings.
Governing Law & Jurisdiction
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Philippines. Any dispute arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts of the Philippines.