(Controller – Processor)
This Global Data Protection and Information Security Agreement (“DPA”) is made part of an agreement with Paramount Global and/or one or more of its Affiliates (such party(ies), as applicable, “Paramount”) which makes reference to this DPA or the URL at which this DPA is located (the “Agreement”). This DPA does not limit other obligations of Vendor, including, without limitation, any obligations under the Agreement or laws that apply to Vendor or to Vendor’s performance under the Agreement. In the event of a conflict between the DPA, the Agreement or any applicable security requirements, the requirement that is most restrictive and protective of Paramount, as determined by Paramount in its sole discretion, shall apply unless otherwise expressly agreed upon in writing by Paramount.
1.1 Capitalized terms defined below shall have the meanings set forth herein, whether or not such terms are otherwise defined in the Agreement. Capitalized terms used but not otherwise defined in this DPA shall have the meanings assigned to such terms in the Agreement.
1.2 “Affiliate” means an entity, directly or indirectly, controlling, controlled by, or under direct or indirect common control with a party.
1.3 “Argentinian Model Clauses” mean the model contract titled Contrato modelo de transferencia internacional de datos personales con motivo de prestación de servicios as adopted by the Data Protection Agency of the Republic of Argentina under Disposition 60- E/2016.
1.4 “Business Purpose” will have the meaning set forth in Section 140 (e) of the CCPA.
1.5 “Data Protection Laws” mean any applicable law, treaty, statute, regulation, ordinance, order, directive, code, or other rule, or any administrative guidance or industry self- regulatory rules or guidelines regarding the same, whether of or by any legislative, administrative, judicial, or other Governmental Entity, that governs or relates to the confidentiality, security, privacy, or Processing of Personal Data or otherwise regulates marketing communications, data protection, or Security Incident management and/or notification including without limitation: the EU General Data Protection Regulation (EU) 2016/679 (“GDPR”); the United Kingdom General Data Protection Regulation (“UK GDPR”); the Swiss Federal Act on Data Protection (“FADP”); the California Consumer Privacy Act of 2018, Cal. Civil Code section 1798.100 et seq., as amended (“CCPA”); and the Brazilian General Data Protection Law, Law n. 13.709 of 2018 (“LGPD).
1.6 “Data Subject” means, as applicable:
1.6.1 any identified or identifiable individual;
1.6.2 the meaning as set forth in Data Protection Laws; and
1.6.3 such similar terms as defined in any Data Protection Laws, including the term “Consumer”.
1.7 “Data Subject Request” means a request made by a Data Subject to exercise any rights of Data Subjects under Data Protection Laws, including without limitation the right of access, right to rectification, right to restrict Processing, right to erasure, right to data portability, or right to object to the Processing.
1.8 “European Model Clauses” mean:
1.8.1 in respect of Personal Data to which the GDPR applies, the standard contractual clauses for the transfer of personal data to third countries pursuant to the GDPR, adopted by the European Commission under Commission Decision (EU) 2021/914 (“EU Model Clauses”);
1.8.2 in respect of Personal Data to which the UK GDPR applies, the EU Model Clauses, as amended by the UK Addendum to the EU Commission Standard Contractual Clauses issued by the UK Information Commissioner under section 119A(1) Data Protection Act 2018 (“UK Model Clauses”); and
1.8.3 in respect of Personal Data to which the FADP applies, the EU Model Clauses as applicable in Switzerland and adapted as follows:
(a) the term 'Member State' shall not be interpreted in such a way as to exclude Data Subjects in Switzerland from the possibility of suing for their rights in their place of habitual residence in accordance with Clause 18(c); and
(b) the EU Model Clauses also protect the data of legal entities until the entry into force of the revised FADP (“Swiss Model Clauses”).
1.9 “Governmental Entity” means any federal, state, provincial, municipal, local or foreign government, governmental authority, regulatory or administrative agency, governmental commission, department, board, bureau, agency, instrumentality, court or tribunal, and includes a “Supervisory Authority” as defined in applicable Data Protection Laws.
1.10 “Personal Data” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, to, a unique (as applicable) Data Subject, computing device, or household, and shall include, but is not limited to, all “personal data”, “personal information”, or similar terms, as defined in applicable Data Protection Laws.
1.11 “Process” or “Processing” means any operation or set of operations that is performed on Paramount Data, whether or not by automated means, such as collection, using, accessing, recording, reproducing, organization, structuring, storage, adaptation or alteration, retrieval, consultation, disclosure by transmission, dissemination or otherwise making available, alignment or combination, evaluation or control, modification, blocking, restriction, erasure or destruction, or classification, and including all “processing” as defined in applicable Data Protection Laws.
1.12 “Restricted Transfer” means a transfer (either directly or via onward transfer) of Personal Data by a Party acting as an exporter to an importer located in a jurisdiction that has not been recognized by the Data Protection Laws applicable to the exporter as offering an adequate level of protection for Personal Data.
1.13 “Sale of Data” means:
1.13.1 selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer’s Personal Data by a business to another business or a third party for monetary or other valuable consideration; and
1.13.2 any other relevant activities as defined in applicable Data Protection Laws, including, without limitation, “cross-context behavioral advertising” and “targeted advertising.”
1.14 “Security Incident” means:
1.41.1 the unauthorized, unlawful or accidental acquisition, use, disclosure, destruction, alteration, deletion, modification, access to, corruption, transfer, sale, rental, or other Processing of any portion of Paramount Data;
1.14.2 any act or omission that compromises the privacy, security, confidentiality, availability or integrity of such Paramount Data or any safeguards put in place to protect the same;
1.14.3 any failure by Vendor to adhere to this DPA;
1.14.4 any other event involving Personal Data that triggers notification or similar requirements under Data Protection Laws; or
1.14.5 any attempt to cause any of the events described in this section 1.14.
1.15 “Subcontractor” means another data processor (as defined by Data Protection Laws) engaged by Vendor for carrying out Processing activities in respect of the Paramount Data on behalf of Paramount.
1.16 “Paramount Data” means any and all data or information, in any form, format or media, provided or otherwise accessed by or made available to Vendor or any of its employees, agents or contractors or by any other party in connection with or incidental to the Agreement, as well as all data and works obtained, developed or produced by Vendor in connection with the Agreement including derivatives, aggregations or analysis of any of the foregoing.
1.17 “Paramount Privacy and Information Security Requirements” means Paramount global information securities policies and privacy requirements applicable to Vendor as set forth in section 4 below, as may be supplemented or amended in the Agreement.
1.18 “Paramount Personal Data” means Paramount Data that constitutes Personal Data.
1.19 The terms “Business”, “Controller”, “Operator”, “Processor”, “Service Provider”, and “Special Categories of Personal Data” as used in this DPA will have the meanings ascribed to them in applicable Data Protection Laws. With respect to “Special Categories of Personal Data,” this term shall also include “sensitive personal information” or similarly defined terms in applicable Data Protection Laws and Personal Data collected from a “child” as defined under applicable Data Protection Laws.
2 ROLES OF THE PARTIES
2.1 As part of the Services described in the Agreement, Vendor may Process Paramount Data.
2.2 The Parties acknowledge and agree that with regard to the Processing of Paramount Personal Data of Data Subjects Paramount shall be the Controller and Vendor shall be the Processor of Personal Data Processed by Vendor under the Agreement.
2.3 For purposes of the CCPA, Paramount shall be considered a Business and Vendor shall be a Service Provider. Vendor certifies that Vendor understands the obligations imposed on it by this DPA and will comply with such obligations.
2.4 The subject matter of the Processing undertaken by Vendor is the provision of the Services and the Processing will be carried out for the duration of the Agreement. The Services, categories of Data Subjects, categories of Personal Data, and any specific instructions are set forth in the Agreement.
2.5 Except as expressly provided in the Agreement, Vendor acknowledges that, as between Vendor and Paramount, Paramount owns all right, title and interest in the Paramount Data.
3 OBLIGATIONS OF VENDOR WITH RESPECT TO PERSONAL DATA
3.1 When Vendor or a Subcontractor Processes Personal Data under the Agreement for or on behalf of Paramount, Vendor represents, warrants, and covenants both for itself and on behalf of each such Subcontractor, that it shall:
3.1.1 comply with all Data Protection Laws when Processing Personal Data, and shall not intentionally take any actions or fail to take any actions that would cause Vendor, a Subcontractor, or Paramount to be in violation of Data Protection Laws;
3.1.2 Process Paramount Personal Data solely for the purpose of performing its obligations under the Agreement and in accordance with Paramount’s documented instructions and not for any other purpose (including the Sale of Data or for combining Paramount Personal Data with Personal Data Vendor receives from or on behalf of third parties or collects independently of Paramount’s instructions), unless required to do so by applicable law to which Vendor is subject, in which case Vendor shall inform Paramount of that legal requirement before commencing Processing;
3.1.3 For the purposes of CCPA, Process Paramount Personal Data only for Business Purposes specified in the Agreement or applicable annex to the Agreement, subject to any further limitations specified in the Agreement.
3.1.4 immediately inform Paramount if, in Vendor’s opinion, Paramount’s instructions would be in breach of Data Protection Laws;
3.1.5 act only as a Processor, Service Provider, or Operator, or in an equivalent role as defined by Data Protection Laws, and not as a Controller or Business or equivalent role;
3.1.6 not disclose any Personal Data to any third party (including any Governmental Entity), for any reason, whatsoever, without Paramount’s prior express written consent, unless such disclosure is: (a) to a Subcontractor, as necessary for the performance of the Services as required by the Agreement for the benefit of Paramount and its Affiliates; or (b) required by Data Protection Laws, in which case Vendor shall, unless prohibited by such Data Protection Laws, promptly notify Paramount after receiving a request for disclosure and prior to complying with any such request. In such instances where disclosure of Personal Data is required by Data Protection Laws, Vendor shall notify Paramount in advance of any such disclosure, and at Paramount’s request, cooperate fully in resisting the disclosure request to the full extent permitted by Data Protection Laws, and in any event shall disclose the minimum Personal Data necessary to comply with Data Protection Laws;
3.1.7 notify Paramount without undue delay (and in any event within 24 hours) of: (a) any request for information from, or complaint by, a Governmental Entity in relation to Paramount Personal Data that Vendor Processes for the purpose of performing its obligations under the Agreement; and (b) any Data Subject Request in relation to Paramount Personal Data. Vendor shall provide to Paramount, in writing, all details surrounding such Data Subject Request, in a commonly used, structured, electronic and machine-readable format, if required. Vendor shall not respond to any Data Subject Request without Paramount’s express written consent. Further, Vendor shall fully cooperate as requested by Paramount to enable Paramount to comply with any Data Subject Request. Vendor shall implement appropriate technical and organizational measures to enable it to comply with this paragraph;
3.1.8 provide full and prompt cooperation and assistance in relation to any data protection impact assessment or regulatory consultation that Paramount is legally required to make in respect of Personal Data;
3.1.9 (a) not attempt to re-identify any non-identifying information provided to or obtained by Vendor as a result of or in connection with the Services at any time, whether during or after the term of the Agreement and not aggregate Paramount Personal Data, even if anonymized or pseudonymized, except as expressly authorized under the Agreement; and (b) contractually obligate any recipients of such non-identifying information to comply with the foregoing restrictions;
3.1.10 maintain records of its Processing activities under the Agreement, which will include, without limitation, the name or title of Vendor personnel who access Personal Data, the categories of Personal Data Processed on behalf of Paramount, a description of any international data transfers conducted on behalf of Paramount (including a list of any countries to which Personal Data has been transferred), a description of the technical and organizational measures used to safeguard Personal Data, and any other information required by Data Protection Laws or as may be requested by Paramount; and
3.1.11 limit any disclosure of Personal Data to those of its personnel and Subcontractors who have a need to know the information to provide the Services, and keep a record of such disclosures.
3.2 Vendor shall promptly notify Paramount of any determination (made by Vendor or by a Subcontractor) that it can no longer meet its obligations under this DPA, the Agreement, or Data Protection Laws.
4 PARAMOUNT GLOBAL PRIVACY AND INFORMATION SECURITY REQUIREMENTS
4.1 General Security Requirement. Vendor shall maintain physical, administrative, and technical safeguards consistent with industry-accepted best practices (including the International Organization for Standardization’s standards ISO 27001 and 27002, the National Institute of Standards and Technology (NIST) 800-53 Cybersecurity Framework, the Cloud Security Alliance, or other similar industry standards for information security) to protect the confidentiality, integrity, and availability of Paramount Data and systems. Vendor shall maintain industry-leading standards in evolving technical controls to ensure the protection of Paramount Data, including, without limitation, firewalls, encryption technologies, anti-virus software, access and authentication, security monitoring, and security alerting systems.
4.2 Specific Safeguard Requirements. Vendor shall maintain an information security program (the “Information and Security Program”), which will include, at a minimum, the following safeguards and controls:
4.2.1 Documented information security program and policies. Vendor shall implement and document a formal Information and Security Program including appropriate policies, standards, procedures, and risk assessments that are reviewed, and approved by Vendor, at least annually. The program will apply to Vendor’s employees, agents, subcontractors, and suppliers. Vendor will maintain a process to monitor and enforce Information and Security Program compliance and log Information and Security Program violations. The documented Information and Security Program shall include comprehensive information security policies approved by Vendor, a current copy or summary of which will be made available to Paramount upon request.
4.2.2 Security awareness training.Vendor shall provide periodic security training to its personnel and personnel of its Subcontractors on relevant threats and business requirements such as, but not limited to, social-engineering attacks, sensitive data handling, causes of unintentional data exposure, and security incident identification and reporting.
4.2.3 Physically limit access. Vendor shall enforce physical security to limit access to systems and facilities to only authorized individuals
4.2.4 Access controls. Vendor shall restrict access to Paramount Data and systems to only those personnel with a need-to-know for an authorized purpose. Vendor shall ensure the use of secure user authentication protocols, including the use of individual user IDs and adequate password security, with policies to block access to inactive users or in the event multiple unsuccessful attempts have been made to access a system or account.
4.2.5 Remote access; multi-factor authentication required. Vendor will implement multi-factor authentication (i.e., requiring at least two factors to authenticate a user) for remote access to (a) any network, system, application, or other asset containing Paramount Data; or (b) Vendor’s corporate or development networks.
4.2.6 Account and password management. Vendor shall implement account and password management policies to protect Paramount Data and systems, including, changing default and manufacturer-supplied passwords before deploying new hardware, software, or other assets, require periodic password changes, require complex passwords, and storing passwords in an industry- accepted form that is resistant to offline attacks.
4.2.7 Secure configurations. Vendor shall manage security configurations of its systems using industry best practices to protect Paramount Data and systems from exploitation through vulnerable services and settings.
4.2.8 Controlled use of administrative privileges. Vendor shall limit and control the use of administrative privileges on computers, networks, and applications consistent with industry best practices.
4.2.9 Encryption. Vendor shall enforce strong protection for Paramount Data, including TLS 1.2+ or equivalent, and AES-128 bit encryption for all data at rest and in transit, with logged access.
4.2.10 Vulnerability and patch management. Vendor shall maintain a process to timely identify and promptly remediate system, device, and application vulnerabilities through patches, updates, bug fixes, or other modifications to maintain the security of Paramount Data and systems.
4.2.11 Maintenance, monitoring, and analysis of audit logs. Vendor will collect, manage, retain, and analyze audit logs of events to help detect, investigate, and recover from unauthorized activity that may affect Paramount Data. Logs will be kept and maintained for at least 18 months, at all times in compliance with Data Protection Laws.
4.2.12 Malware defences. Vendor shall deploy anti-malware software to, and configure, all workstations and servers on Vendor’s network to control and detect the installation, spread, and execution of malicious code.
4.2.13 Firewalls. Vendor shall maintain and configure firewalls to protect systems containing Paramount Data from unauthorized access. Vendor will review firewall rule sets at least annually to ensure valid, documented business cases exist for all rules.
4.2.14 Security testing. Vendor shall conduct periodic internal and external penetration testing of systems that process Paramount Data to identify vulnerabilities and attack vectors that can be used to exploit those systems. Identified vulnerabilities shall be addressed as part of Vendor’s vulnerability management program.
4.2.15 Business Continuity. Vendor shall maintain a business continuity plan that includes requiring, at a minimum, offsite backups of systems processing Paramount Data, version control system software to protect against loss of work product, and provisioning of adequate back-up facilities for any site that processes Paramount Data.
4.2.16 Third-party risk management. Vendor shall implement and maintain a third-party risk management program, including the execution of periodic risk assessments to evaluate the security posture of Vendor’s third parties and suppliers with access to Vendor’s Data and systems.
4.3 Compliance. Vendor shall make available to Paramount all information necessary to demonstrate compliance with its Information and Security Program, the Paramount Information Security Requirements, this DPA, the Agreement and Data Protection Laws, including:
4.3.1 completing privacy and data security questionnaires upon Paramount request;
4.3.2 allowing for and facilitating audits and inspections of Vendor and Subcontractor facilities conducted by Paramount or Paramount’s authorized representatives;
4.3.3 permitting Paramount to regularly test Vendor’s compliance with the Paramount Information Security Requirements; and
4.3.4 providing Paramount with accurate books and records (including, without limitation, all policies, procedures, papers, correspondence, data, information, reports, records, receipts, files, and other sources of information) consistent with generally accepted practices regarding Vendor’s performance under this DPA and the Agreement. Vendor shall, at its own cost, make any changes reasonably requested by Paramount to correct any compliance failures discovered during such audits, inspections, or tests.
4.4 Risk Assessment. Vendor agrees to participate in an annual risk assessment conducted by Paramount or its designee and to provide to Paramount (or its designee) any supporting documentation required during the risk assessment process, such as but not limited to, information security policies, standards, procedures, and if available, SOC2- Type1/Type2 reports, ISO27001/27002. Vendor shall also remediate any findings or deficiencies identified during Paramount’ risk assessments within a reasonable timeframe.
4.5 Software Security. If software is provided as a deliverable or as part of the service provided under the Agreement, Vendor shall have its software reviewed for security vulnerabilities by an independent third party that specializes in application security and provide Paramount the results of such review or, if Vendor has not performed such review, Vendor hereby consents to allow Paramount to commission such review by a third party at Paramount’s cost. Vendor shall reasonably cooperate with such review. Vendor shall promptly remediate security vulnerabilities identified and shall repeat the review for updates or new versions.
4.6 Background Checks. Paramount may require that Vendor representatives be subject to a lawful background check. Vendor shall cooperate with Paramount in connection with obtaining any necessary written consents in connection with any such background checks.
4.7 PCI DSS requirements. If, in the course of its Processing Paramount Data, Vendor has access to or will Process credit, debit, or other payment cardholder information, Vendor shall at all times remain in compliance with the Payment Card Industry Data Security Standard (“PCI DSS”) requirements (in addition to in addition to other Security Requirements), and shall remain aware at all times of changes to the PCI DSS and promptly implement all procedures and practices necessary to remain in compliance with the PCI DSS.
4.8 If Vendor receives a request for access to Paramount Data from a Governmental Entity, Vendor shall promptly notify Paramount in advance of any such disclosure, and shall cooperate with Paramount in objecting to the request to the full extent permitted by law. If Vendor is prohibited from notifying Paramount of such request by applicable law, then Vendor shall engage legal counsel to take reasonable measure to object to such disclosure. In case of any disclosure, Vendor shall disclose only the minimum Paramount Data necessary to comply with the request.
5 SECURITY INCIDENTS
5.1 Detection and Response. Vendor will deploy and follow policies and procedures to detect, respond to, and otherwise address Security Incidents including procedures to
5.1.1 identify and respond to reasonably suspected or known Security Incidents, mitigate harmful effects of Security Incidents, document Security Incidents and their outcomes; and
5.1.2 restore the availability or access to Paramount Data in a timely manner.
5.2 Notice of Security Incident. If Vendor becomes aware of a Security Incident, or information that should reasonably lead Vendor to suspect a Security Incident has occurred, Vendor shall notify Paramount without undue delay (and in any event within 24 hours), and on an ongoing basis provide the following information as soon as possible:
5.2.1 the segment and quantity of Paramount Data affected (including whether Paramount Personal Data was affected);
5.2.2 the nature of the intrusion (if applicable);
5.2.3 any indication of likely unauthorized use of Paramount Data, and the corrective action taken or to be taken by Vendor; and
5.2.4 all other available details required under applicable laws, including Data Protection Laws, for Paramount to comply with its own investigation and notification obligations to regulatory authorities or Data Subjects affected by the Security Incident.
5.3 Remediation Efforts. Following any Security Incident, Vendor shall consult in good faith with Paramount regarding remediation efforts that may be necessary, appropriate, and reasonable (“Remediation Efforts”). Vendor shall:
5.3.1 undertake any Remediation Efforts requested by Paramount or any government agency with jurisdiction over Vendor, in either case at Vendor’s sole expense;
5.3.2 ensure and provide assurance (including written evidence) to Paramount that reasonable measures were and are being taken to prevent recurrence of the same or similar type of Security Incident; and
5.3.3 reasonably cooperate with any Remediation Efforts undertaken by Paramount.
5.4 Breach notification. Unless prohibited by applicable law, Paramount has the right to control the breach notification process, and Vendor shall not release or publish any filings, communication, notice or notification, press release, or report about the Security Incident without written authorization from Paramount.
5.5 Reimbursement. Without limiting Paramount’s other rights, Vendor shall reimburse Paramount for all costs and expenses of Remediation Efforts and regulatory fines incurred by Paramount as a result of any Security Incident related to Paramount Data while under the control or possession of Vendor.
5.6 Cooperation. Vendor shall provide all assistance to Paramount as is reasonably necessary for Paramount to meet its obligations under Data Protection Laws.
6.1 Vendor shall not disclose, enable Processing of, or otherwise make accessible any Paramount Data to any Subcontractor unless expressly authorised by Paramount.
6.2 Paramount authorises the entities contained in the applicable exhibit or annex to or the link contained in the Agreement to be engaged by Vendor as Subcontractors.
6.3 Vendor may appoint a new Subcontractor at any time provided that:
6.3.1 Vendor gives Paramount written notice of at least 30 days before the appointment of the Subcontractor;
6.3.2 Paramount does not object in writing to the use of the new Subcontractor within 30 days of receipt of the notice.
6.4 If there is no objection from Paramount, Vendor may engage the Subcontractor and will update the list of approved Subcontractors. If Paramount objects to the use of this Subcontractor, Vendor will use reasonable efforts to, within 30 days of receiving the objection, either find an alternative Subcontractor or suggest a change to the Services to avoid using the Subcontractor Paramount objects to. If Paramount, in its sole discretion, is not satisfied with Vendor’s proposed solution, Paramount may terminate the Agreement or any applicable statement of work, work order, or similar transaction document, in whole or in part upon written notice with no further expenses, costs, or liabilities.
6.5 Notwithstanding anything to the contrary herein, Vendor shall:
6.5.1 be responsible for all acts and omissions of any Subcontractor; and
6.5.2 require each of its Subcontractors, as a condition of performing work under the Agreement, to enter into a written agreement with the Vendor that contains obligations of confidentiality, security, and privacy at least as strict as those contained in this DPA and the Agreement;
6.5.3 ensure all Subcontractors that Process Paramount Data comply with all terms of this DPA and shall be liable for any breach by Subcontractor of the terms of this DPA; and
6.5.4 prevent Subcontractors from further assigning or subcontracting any part of their work (except to a Vendor Affiliate) without prior notification to Paramount as contemplated in section 6.3.
6.6 Vendor shall ensure that each Subcontractor that Processes or otherwise accesses Paramount Data:
6.6.1 is competent to perform the Services subcontracted to it in conformance with the standards of this DPA and the Agreement; and
6.6.2 has adopted and adequately implemented comprehensive written protocols to carry out the obligations of confidentiality, security, and privacy required by this DPA and the Agreement.
6.7 Vendor shall ensure that all Vendor or Subcontractor personnel engaged in Processing of Paramount Data:
6.7.1 are duly authorized to Process Paramount Data only as set forth in this DPA and the Agreement; and
6.7.2 have committed themselves to maintaining the confidentiality of Paramount Data or are under an appropriate legal obligation of confidentiality.
7 INTERNATIONAL DATA TRANSFERS
7.1 The Parties acknowledge that the provision of the Services under the Agreement may involve a Restricted Transfer. Notwithstanding the generality of the foregoing, the Parties agree to the following with respect to a Restricted Transfer:
7.1.1 If the Processing of Personal Data under the Agreement involves a Restricted Transfer by Paramount to Vendor of Personal Data to which the GDPR, the UK GDPR, or the FADP applies, the Parties agree to comply with the European Model Clauses, which shall be deemed incorporated into and form part of this DPA. For the purposes of the European Model Clauses,
(a) Paramount is the Data Exporter and Vendor is the Data Importer (as defined in the European Model Clauses); and
(b) the description and details of transfers, for the purposes of the European Model Clauses, and the technical and organizational measures ensuring the security of Personal Data are set out in the applicable exhibit or annex to the Agreement relating to such transfers.
7.1.2 If the Processing of Personal Data under the Agreement involves a Restricted Transfer by Paramount to Vendor of Personal Data subject to Argentinian Data Protection Laws, the Parties agree to comply with the Argentinian Model Clauses. The description and details of transfers, for the purposes the Argentinian Model Clauses, is set out in the applicable exhibit or annex to the Agreement relating to such transfers.
7.1.3 If the provision of the Services involves a Restricted Transfer by Vendor to a Subcontractor, Vendor warrants that it shall:
(a) execute the European Model Clauses, the Argentinian Model Clauses, or any other applicable safeguard that complies with applicable Data Protection Laws to safeguard the transfer of Personal Data, and make available the same to Paramount upon request; and
(b) if required by applicable Data Protection Law, carry out any transfer impact assessment in respect of the third country of destination which at a minimum takes account of the specific circumstances of the transfer, the laws and practices of the third country of destination, and any relevant contractual, technical, or organizational safeguards that Vendor has put in place with the Subcontract. Vendor shall make available such transfer impact assessments to Paramount upon request.
7.2 Vendor represents and warrants that neither Vendor nor, to Vendor’s knowledge, any of its Subcontractors, have received a request from any Governmental Entity for access to European Personal Data Processed by such Vendor or Subcontractor in connection with the Services or substantially similar services for other clients. Vendor covenants to notify Paramount immediately and in writing in the event that, in Vendor’s opinion:
7.2.1 any Restricted Transfer performed under the Agreement would be in breach of the European Model Clauses, Argentinian Model Clauses, or applicable Data Protection Laws governing such Restricted Transfers; or
7.2.2 Vendor is unable to provide an adequate level of protection for Paramount Personal Data under applicable Data Protection Laws (each an “Inadequacy Notice”). Upon receipt of an Inadequacy Notice from Vendor, Paramount shall be entitled to terminate the Agreement with no further expenses, costs, or liabilities.
7.3 If any additional Data Protection Laws become effective during the Agreement which involve Restricted Transfers not contemplated herein, the Parties agree to meet in good faith to complete any formalities and enter into any documents as may be required by such Data Protection Laws.
8 DELETION OF PARAMOUNT DATA; PRESERVATION
8.1 Without limiting any obligation in the Agreement, and subject to Vendor’s retention obligations under applicable laws, rules and regulations, including Data Protection Laws, Vendor shall, and shall cause its Subcontractors to, immediately, securely destroy (by making unreadable, un-reconstructable, and indecipherable) any or all Paramount Data (including, without limitation, all electronic copies on hard drives, backup media, portable devices, optical, magnetic, or other storage media, as well as hard copies) upon the earlier to occur of the following:
8.1.1 termination or expiration of the Agreement or any applicable statement of work, work order or similar transaction document for any reason; or
8.1.2 cessation of Vendor’s need to retain such Paramount Data to perform the Services. Vendor shall certify in writing that such destruction has been completed. If Paramount requests return or transfer of all or a portion of such Paramount Data prior to the destruction described above, Vendor shall promptly return to Paramount, at no cost to Paramount, all such Paramount Data, through a secure method designated by Paramount, or shall promptly transfer such Paramount Data to Paramount’s designee, in accordance with the instructions of, and using the secure method prescribed by, Paramount, following Paramount’s written demand therefor.
8.2 Vendor shall promptly provide Paramount with a certification by an officer of Vendor that all Paramount Data has been removed from Vendor’s and any Subcontractor’s possession and/or control. If Vendor is required to retain Paramount Data pursuant to applicable laws, rules and regulations, including Data Protection Laws, Vendor shall inform Paramount of such requirement.
8.3 If Paramount notifies Vendor in writing that particular Paramount Data may be Paramount attorney-client communication or attorney work-product, then Vendor shall:
8.3.1 not take any action that would result in waiver of such privilege or work product immunity through the acts or omissions of Vendor or its Subcontractors;
8.3.2 if required by Paramount, immediately terminate the ability of any users of the applicable software or services to share such Paramount Data with third parties; and
8.3.3 instruct all Vendor personnel who may have access to such Paramount Data to maintain such Paramount Data as strictly confidential.
8.4 If Vendor is required by law or by interrogatories, written requests for information or documents by a Governmental Entity, subpoena, civil investigative demand or similar legal process to disclose any Paramount Data that may be within Paramount attorney-client or work-product privileges, then Vendor must provide (unless prohibited by applicable law) Paramount with prompt, written notice of such request or requirement so that Paramount may at its own expense seek an appropriate protective order or object to the requested disclosure.
8.5 Vendor shall comply with Paramount requirements regarding the preservation and production of Paramount Data held by Vendor that is relevant for legal and regulatory proceedings or investigations.
8.6 To the extent that Vendor is required to retain Paramount Data, this DPA and the Agreement will continue to apply in their entirety to such Paramount Data and Vendor’s Processing thereof.
9.1 As an additional indemnification obligation under the applicable provision of the Agreement, Vendor will defend, indemnify and hold Paramount, its Affiliates, and their respective officers, directors, employees and agents, harmless from and against any and all claims, suits, causes of action, fines and penalties, liability, loss, costs and damages, including reasonable attorney fees, arising out of or relating to any third-party claim arising from:
9.1.1 failure by Vendor, its employees or Subcontractors to comply with any of its obligations contained in this DPA;
9.1.2 Vendor‘s performance, purported performance or non-performance of its obligations contained in this DPA; and
9.1.3 any security incident, except in each case to the extent resulting from the acts or omissions of Paramount.
9.1.4 Notwithstanding any terms of the Agreement to the contrary, any limitation of liability with respect to indemnification set forth in the Agreement shall not apply to the indemnification obligations set forth above.
10.1 Survival. Vendor’s data protection and privacy obligations in the Agreement, including its obligations under this DPA, shall continue for so long as Vendor, or any of Vendor’s Subcontractors, continues to Process Paramount Data on behalf of Paramount, even if the Agreement has expired or been terminated.
10.2 Changes to the DPA. In addition to any rights under the Agreement, Paramount may modify this DPA at any time, including to the extent required to comply with Data Protection Laws, a court order or guidance issued by a Governmental Entity, by posting an updated version of this DPA at https://legal.paramount.com/security-and-privacy or successor website.


The grouping of several credits into one reduces the amount of the different monthly payments. An attractive transaction offering more short-term purchasing power and a lower debt ratio. It is a response to overindebtedness.
However, this redemption represents a cost that must know how to evaluate, to determine if the operation is winning.
What is a "pool of credits"?
As its name indicates, the grouping of credits consists in gathering several loans in one. Also referred to as "Credit Redemption", "Credit Restructuring" or "Credit Refinancing", this " Credit Transaction is for the repayment of at least two previous receivables, including one outstanding credit", as specified by Article R314-19 of the Consumer Code.
It follows that the credit consolidation can take the form of either a mortgage loan or a consumer credit.
Indeed, it is possible to buy consumer loans (vehicle loan, work, etc.) or mortgages. But it is also possible to carry out a regrouping of credits of different nature. In this case, the new regulation (Lagarde law) provides that if the share of mortgage (s) real estate (s) does not exceed 60% of the new loan, the latter falls under the provisions of consumer credit. Beyond this percentage, it must apply those of real estate loans.
What are the purposes of a credit consolidation?
Before the Lagarde law, the ads around the redemption of credits boasted a decrease in monthly payments up to 60%! Since then, it is forbidden to "imply that the loan improves the borrower's financial situation or budget, leads to an increase in resources, constitutes a substitute for savings" without indicating that this necessarily implies a financial counterpart.
Not all loans can benefit from a credit consolidation. This is the case for regulated loans, Zero PTZ loans, 1% housing or student loans.
The main interest of the redemption of credits is to allow the decrease of the monthly payments and of fact, of the rate of indebtedness . Indeed, the capacity of the borrower could be crossed by an accumulation of credits or following an accident of life generating a loss of resources and difficulties to repay.
Secondly, this operation offers borrowers more monthly purchasing power, a margin of maneuver intended to cover exceptional expenses, lay the foundations for a new project or benefit from so-called "comfort" cash.
In any case, the concept of the total cost of credit before and after the credit consolidation operation is crucial.
Who to contact for the assembly of the file?
Better to be accompanied by a professional, to determine all the ins and outs of such an operation. The use of a broker specializing in repurchase credit is essential in that it will quickly appreciate the feasibility of a file with or without guarantee.


For nearly 90 years, the law offices of Jewell & Jewell have provided legal services and representation to the people of Pointe Coupee Parish and surrounding areas. After graduating from LSU Law School in 1931, Joseph Thomas (“Tom”) Jewell earned his license to practice law in Louisiana and established a law office in his hometown of New Roads. Tom was joined in 1934 by his younger brother Joseph Philibert (“J. P.”) Jewell, Jr., following his graduation from LSU Law School. A third Jewell brother, Francis Douglas (“Doug”) Jewell, followed in their footsteps and graduated from LSU law school in 1950. For many years, the Jewell attorneys maintained offices on the top floor of a prominent commercial building in the shadow of the Pointe Coupee Parish courthouse. In 1974, Jewell & Jewell moved to its present location just around the corner in downtown New Roads.
Today, John Wayne and Stephen P. Jewell continue our firm’s mission of providing quality services to our community. For three generations, Jewell & Jewell has proudly provided a comprehensive range of legal services, along with a title insurance agency which handles real estate transactions and mortgage loan closings.


On 25 June 2002, the Government first publicly indicated that it was considering the possibility of a merger between the Corporation and the MTR Corporation Limited (MTRCL).
In February 2004 the Government invited the two corporations to commence discussions on a possible merger. In September 2004 the corporations submitted a joint merger report to the Government.
In April 2006 the Government and the MTRCL signed a non-binding Memorandum of Understanding on the structure and terms for the proposed rail merger.
In June 2007 the Legislative Council passed the Rail Merger Bill, and subsequently in July 2007 the by-laws and regulations applying to the merged rail network were also passed. In August 2007 the Corporation's Managing Board gave its approval to the signing of the rail merger transaction documents. In October 2007, MTRCL's independent shareholders approved the rail merger package at an Extraordinary General Meeting.
On 2 December 2007 the Rail Merger Ordinance came into effect. The Rail Merger Ordinance expressly empowered KCRC to grant a service concession to MTRCL and expanded the scope of MTRCL's franchise to enable it to take up the operation of KCRC's transport services.
The rail merger comprised two key components. The first was a Service Concession Agreement whereby MTRCL was granted the right for an initial period of 50 years (which is extendable) from 2 December 2007 to use KCRC's railway assets to operate the existing KCR railway lines and other transport-related businesses such as bus operations in the North-west Transit Service Area, and upon their completion, the new KCR railway lines then currently under construction. In return, the MTRCL was required to make a fixed annual payment of HK$750 million to KCRC, and after 36 months, an additional variable payment based on a percentage (which is on an increasing scale) of the annual gross revenue in excess of HK$2.5 billion generated from the KCRC railway assets.
The second key component was a Sale and Purchase Agreement, whereby on 2 December 2007 MTRCL purchased at a sum of HK$7.79 billion a number of KCRC properties and property management subsidiaries, and made a further payment of HK$4.25 billion for the Service Concession and the purchase of certain railway assets of KCRC such as stores and spares.
Following the merger of the operations of the rail systems of KCRC and MTRCL, KCRC has become primarily an asset holding corporation under the direction of a Managing Board composed wholly of senior public officials appointed by the Chief Executive of the Hong Kong Special Administrative Region. The Corporation is responsible for monitoring that the MTRCL complies with the terms of the Service Concession Agreement. Its other functions include investment of the reserve funds, servicing the Corporation’s outstanding debts, and managing its subsidiaries, including those involved in the development of the property sites along the West Rail Line on behalf of the Government.
In respect of these West Rail property sites, the KCRC Chief Officer is the Chairman of the managing board of West Rail Property Development Limited (WRPDL) (its shareholders being the Government and KCRC) which is responsible for implementation of the various developments on behalf of the Government, with MTRCL being the development agent for WRPDL. The first of these projects at Tuen Mun Station was completed in 2013. Currently, the site at Pat Heung Maintenance Depot is the only remaining site in study for development.
Since the merger, the Corporation has been served by a very small number of staff, having decided to outsource many of its routine administrative and specialist support functions. The Managing Board is chaired by the Secretary for Financial Services and the Treasury of the Government, and the management is headed by a Chief Officer.
In August 2018, the Government vested the land and interests or other rights in respect of the land for the operation of the Hong Kong Section of the Guangzhou-Shenzhen-Hong Kong Express Rail Link (XRL) and assigned the movable assets of the XRL Hong Kong Section to the Corporation. The Corporation, as the owner of the assets, granted the right to operate the XRL Hong Kong Section to MTRCL for a concession period of 10 years under a Supplemental Service Concession Agreement (SSCA).
In February 2020, the Government vested the land and interests or other rights in respect of the land for the operation of Tuen Ma Line Phase 1 (TML 1) (i.e. the extended section of the previously existing Ma On Shan Railway from Tai Wai to Kai Tak) and assigned the movable assets of the TML1 to the Corporation. The Corporation, as the owner of the assets, granted the right to operate the railway section under TML1 to MTRCL under a SSCA.
In June 2021, the Government vested the land and interests or other rights in respect of the land for the operation of Tuen Ma Line Phase 2 (TML 2) (i.e. the extended section of the the previously existing Ma On Shan Railway from Kai Tak to Hung Hom) and assigned the movable assets of the TML2 to the Corporation. By then, the previously existing West Rail Line and Ma On Shan Railway were integrated as the Tuen Ma Line. The Corporation, as the owner of the assets, granted the right to operate the railway sections under TML1 and TML2 to MTRCL under a SSCA, which superseded the previous one for TML1.
In May 2022, the Government vested the land and interests or other rights in respect of the land for the operation of the cross harbour section of the East Rail Line (EAL) (Hung Hom to Admiralty) and assigned the movable assets of the EAL cross harbour section to the Corporation. By then, the whole Shatin to Central Link (SCL) project was completed. The Corporation, as the owner of the assets, granted the right to operate the SCL including railway section under TML1 and TML2 and EAL cross harbour section to MTRCL under a SSCA, which superseded the previous one for TML1 and TML2.


Complete Information on Data Protection
- Who is responsible for processing your data?
MONTIEGO MANAGEMENTS, S.L.
Av. Pilar Calvo, S/N, Edificio La Rotonda, Local 6 - 29660 - Marbella - MÁLAGA.
- Why do we process your personal data?
At MONTIEGO MANAGEMENTS, S.L. we process the information provided by interested parties in order that the application will send the user an email with notifications when the currencies selected by the user increase or decrease. The user's registration will allow him/her to not see advertising in the app. Should you choose not to provide your personal data, we will not be able to provide the features described above.
No automated decisions will be made with the data provided.
- How long will we keep your data?
The data will be kept as long as you do not request its cancellation.
- What is the legitimacy for processing your data?
We indicate the legal basis for the processing of your data:
- Consent of the data subject: Use of the application and, in particular, the currency exchange rate alert service.
- To whom will your data be disclosed?
No data will be passed on to third parties unless there is a legal obligation to do so.
- Data transfers to third countries
No transfers of data to third countries are anticipated.
- What are your rights when you provide us with your data?
All persons have the right to obtain confirmation as to whether or not MONTIEGO MANAGEMENTS, S.L. is processing their personal data.
The persons concerned have the right to access their personal data and request the correction of inaccurate data or, where appropriate, request the erasure thereof when, among other reasons, the data is no longer necessary for the purposes for which it was collected. You also have the right to the portability of your data.
In certain circumstances, data subjects may ask for the processing of their data to be limited, in which case we will only keep them for the exercise or defence of claims.
In certain circumstances and on grounds relating to their particular situation, data subjects may object to the processing of their data. In this case, MONTIEGO MANAGEMENTS, S.L. will cease to process the data, except for compelling legitimate reasons or the exercise or defence of claims.
You may exercise your rights in a material manner as follows: You may exercise your rights by email to [email protected]
Where commercial communications are sent using the legitimate interest of the data controller as a legal basis, the data subject may object to the processing of their data for the corresponding purpose.
The consent given is for all the purposes indicated whose legal basis is the consent of the data subject. You have the right to withdraw such consent at any time, without affecting the lawfulness of processing based on the consent given before the withdrawal.
If you feel that your rights have been violated with regard to the protection of your personal data, especially when you have not been satisfied with the exercise of your rights, you may file a complaint with the competent Data Protection Supervisory Authority through its website at www.aepd.es.
- How did we obtain your data?
The personal data we process at MONTIEGO MANAGEMENTS, S.L. comes from: The data subjects themselves.


REACH Technical Regulations created by the European Union is a special procedure of Registration, Evaluation, Authorization and Restriction of Chemicals. It was put into force on June 1, 2007 for improving legislative and regulatory framework applicable for chemicals at that time in EU countries. The key goal of REACH is guarantying the high level protection of human health and environment by timely and proper characterization of chemicals properties.
In REACH program the responsibility for management of chemicals risks related to health and environment is laid on different industries. Manufacturers and importers will have to assess the risks related to chemicals, which they produce and sell at the market, and take adequate measures on managing these risks. For assuring of fulfilling the obligations related to produced or imported chemicals in the quantity of 1 ton per year or more (for one physical or legal entity) the manufacturers and importers shall lodge their registration dossier in the European Chemical Agency (ECA) in Helsinki.
In future the Regulations will also provide for replacement of the most dangerous chemicals for their better alternatives, if found.
REACH declares three periods of stepwise implementing the chemical registration application. Depending on production volumes and dangerous properties of substances different periods of registration are to be applied:
* December 1, 2010 – for high volumes (over 1 000 t/a) of chemical products and for less volumes of certain chemicals depending on their hazard to human health and environment.
* June 1, 2013 and June1, 2018 – for less volumes of chemical products (from 1 000 to 100 t/a and from 100 to 1 t/a correspondingly).
To have possibility to use and place chemical products in the markets of the European Union and European Economic Area the manufacturers, importers, users and distributors of chemicals in the EU and EEA territory will have to meet the requirements of REACH Regulations.
Further background information on the REACH Regulation (EC) No. 1907/2006:
- European Chemical Agency
- REACH official guidance documents
- The legal text of the REACH regulation in all EU languages
- Eurometaux non-ferrous metals industry REACH Gateway
- ReachCentrum website, created by the European Chemical Industry Council (CEFIC) as an information source for the industry to prepare and implement REACH
Some consortia links:


Patriarch Kirill blesses the killing of Ukrainians
A Petition of Orthodox Christians to the Primates of the Ancient Orthodox Churches Advocating the Trial and Removal of the Patriarch of Moscow, Kirill (Gundyayev)
Dear brothers and sisters in Christ,
On 24 February 2022, without provocation the Russian Federation invaded Ukraine and unleashed a barbaric war in the middle of Europe. Statements and actions by Russia disclosed their intention to remove Ukraine’s government, to destroy Ukraine’s sovereignty and self-defense, and to destroy Ukraine’s culture and people.
The Russian Federation directed its armed forces to commit mass killing of civilians by targeted bombing of civilian areas, including hospitals, schools, and cultural institutions. Russia has directed the torture and the murder of captive civilians, and the systematic torture and rape of Ukrainian women and children. Tens of thousands of Ukrainian civilians have been intentionally killed. Hundreds of thousands of Ukrainians have been forcibly relocated to Russia by Russia’s military. Millions of Ukrainians have become refugees, forced to flee their homes.
A coalition of international criminal lawyers has concluded that Russia is committing genocide in Ukraine. The International Criminal Court and other competent courts are outlining charges for numerous war crimes, including genocide. By their nature, war crimes and genocide criminally implicate Russian State officials and Russian Orthodox Church officials who directed or promoted these crimes.
The Russian Orthodox Church is promoting war and is abetting war crimes in Ukraine.
After a few days of guilty silence, the leadership of the Russian Orthodox Church began to justify and bless this war. The Patriarch of Moscow, Kirill (Gundyayev) has attempted in numerous public sermons to present Russia’s criminal invasion as morally justified and necessary. While the orthodox flock in Ukraine is decimated, Patriarch Kirill encourages and blesses the slaughter. Many of Kirill’s underlings have echoed him, presenting the aggressor as victim, and evil as good. The Moscow Patriarch openly aids and abets the atrocities in Ukraine.
Numerous hierarchs and synods have condemned the Russian Federation’s aggression unambiguously. Yet they have said almost nothing about the Russian Orthodox Church providing the ideological platform and public blessing for this criminal undertaking. There has been very little clear public denunciation of this subversion of Christianity from the episcopate of the Orthodox Church. There has been none at all from any synodal body outside Ukraine.
Moreover, a serious accusation of heresy by the Moscow Patriarch has been leveled by respected and responsible theologians who signed 'A Declaration on the “Russian World” (Russkii Mir) Teaching’. Those charges of heresy have not been addressed by the Primates of ancient Orthodox Churches competent to try and depose the accused heretics.
Hundreds of priests of the Ukrainian Orthodox Church signed a petition to the Primates of ancient Orthodox Churches to convene in synod and try Patriarch Kirill for blessing and promoting bloodshed, and for heresy. The Council of Bishops of the Orthodox Church of Ukraine has also appealed to the plenitude of the Orthodox Church to condemn Patriarch Kirill.
To the Primates of the ancient Orthodox Churches,
Your All-Holiness Bartholomew, Archbishop of Constantinople and
Your Beatitude Theodore, Pope and Patriarch of Alexandria and all Africa,
Your Beatitude John, Patriarch of Antioch and all the East,
Your Beatitude Theophilos, Patriarch of the Holy City of Jerusalem and of all Palestine and Israel,
Your Beatitude Chrysostomos, Archbishop of Nova Justiniana and all Cyprus
We the undersigned are Orthodox Christians of all ranks, nations, and jurisdictions. We raise our voice on behalf of the victims of unprovoked Russian aggression against Ukraine. We cry out for the innocent child, for the weak, for the refugee, for the abducted, for the murdered, for the raped women and the raped children, for the brutally tortured. In sacred duty to Christ himself, we urgently appeal to you now, and We affirm that;
1. The Patriarch of Moscow, Kirill (Gundyayev) has argued for, encouraged and blessed the murder of innocents. He is bloodguilty. He should be tried for murder.
2. We add our voice to support those hundreds of Ukrainian priests, and we request that the Primates of the ancient Orthodox Churches hold a canonical trial, and depose Patriarch Kirill of Moscow.
3. We request that the Primates of the ancient Orthodox Churches examine the charges of heresy brought by the authors and signators of the ‘Declaration on the “Russian World” (Russkii Mir) Teaching’.
Any Orthodox Christian in communion with the Eastern Patriarchates may sign this petition on the form below. We especially request that Orthodox laity and clergy, both inside and outside Ukraine, sign the petition with their name and their title, if any. Let us reject complicity by silence! Let our actions be a clear statement of Christian conscience, honoring God above earthly rulers and worldly interests.
by Gregory Adair and Luben Stoilov, parishioners of St. Nicholas Orthodox Church, San Anselmo, California.
Russia states that its aims are genocide.
The Israeli Press called Russia’s stated war aims “fascistic”:
 ’An Independent Legal Analysis of the Russian Federation’s Breaches of the Genocide Convention in Ukraine and the Duty to Prevent’:
 The International Criminal Court (ICC) has been asked by numerous Rome Statute signature states, and by Ukraine, to exercise jurisdiction for war crimes in Ukraine. <https://www.icc-cpi.int/ukraine>, and; <https://www.icc-cpi.int/news/statement-icc-prosecutor-karim-aa-khan-qc-situation-ukraine-receipt-referrals-39-states>
ICC involvement in prosecuting Russian crimes in Ukraine is further described at:
 State propaganda agents acquire liability for war crimes. Dr. Steven Minas, a senior research fellow at the Transnational Law Institute of King’s College London writes,
“The words of influential propagandists can have real impact. Recognizing this,
the International Covenant on Civil and Political Rights provides: 'Any propaganda for war shall be prohibited by law’.”
The analysis of Human Rights Without Frontiers recognizes the Russian Orthodox Church’s liability in promoting war crimes. <https://hrwf.eu/russia-patriarch-kirills-crucifixion-on-the-cross-will-he-be-the-gravedigger-of- the-orthodox-church/>
 An early example explaining the ‘metaphysical’ necessity of the war with the West’s insistence on forcing people into sin by allowing gay parades and with the population of Donbass suffering because of their principled rejection of such is found here: http://www.patriarchia.ru/db/text/5906442.html. The main parts of this sermon were aired on mainstream news channels in the US.


Tanishka Overseas was conceptualized, created and has commenced with the sole premise to assist the aspirants who dream of settling abroad to realize their Migration Dreams.The Team at Tanishka Overseas comprises of professionals with in-depth expertise and vast experience having provided total comprehensive and complete end-to-end immigration solutions to thousands of immigration aspirants successfully, over a decade.
Almost all of the advanced countries today encourage immigration since they are facing a huge gap between their country's requirements for skilled human resources and the availability of the same. Each of these countries has different requirements of human resources based on the occupations drawn across from different sectors of their respective economies. They have devised their respective immigration policies which are
based on these requirements, which are complex and cannot be easily understood by most of the immigration aspirants.
The Experts at Tanishka Overseas very carefully assess the profiles of the individuals who wish to relocate to another country for settlement and provide customized options and solutions.Tanishka Overseas offers beginning-to-end immigration solutions, guiding and advising them through all levels of the immigration process most prudently.
Tanishka Overseas provides Migration assistance for all categories of Visas from a Permanent Settlement Visa, to Temporary Visit Visa. We provide customized Visa assistance to our clients who seek to enter countries such as Australia, Canada, New Zealand, UK, USA, Switzerland, Singapore, Germany, Poland, etc.
Migration involves expenditure and if immigration hopefuls do not have a proper awareness and are not prudent, they might end up incurring a huge amount of expense which might not be actually necessary. We at Tanishka Overseas offer solutions which are not only personalized, but also cost effective. This also means not compromising on the quality of the processes involved.
Immigration is a very dynamic process wherein the immigration eligibility and process rules change very frequently and quite completely, sometimes without much prior notice, catching even a veteran in Immigration totally off-guard. It would be very difficult for a novice person who wishes to settle abroad to understand these complex rules and the periodic frequent changes to them.
Tanishka Overseas research Team is constantly researching and keeps an ear to the ground so that we are not caught unawares and are prepared for any upheaval in the Immigration Process, thus ensuring that an immigration aspirant's dreams are realized.
There are several ways for an immigration aspirant to go and settle abroad. Some of the options require just a short wait time and some may take long, depending on the profile and eligibility of an aspirant. While some aspirants are eligible for multiple countries, for some others, an exhaustive search of all the available options is needed required.
Our successful and satisfied clients have made us the most trusted and reputed immigration and visa consultants in the world. This in turn, has made us responsible towards our clients. We are totally committed for offering services to our clients that are beyond their expectations.
Almost all of the countries are encouraging people to come to their countries to Settle, Work, Study, Invest, Visit, Holiday, undertake a Business and for many more reasons.
Tanishka Overseas offers to process the visas for almost all of the countries such as Australia, Canada, New Zealand, UK, USA, Switzerland, Singapore, Germany, Poland, etc., whichever the country which is accepting receptive favorable to receive these immigrants.
Our vision is to get recognized & valued as the top-notch immigration company across the globe with competency and efficiency.We strive hard and make every possible effort to make people immigration and visa process successful..
Since our inception, Tanishka Overseas has been rendering its authentic and reliable visa services to global clients. Our main intention behind the inception of Tanishka Overseas is to reduce hassles and obstacles that comes your way, during the process of immigration to the destined country. Our mission is to make your immigration dream come true. You just dream it; we help you in achieving it. Finally, We believe in Performance and Professionalism, and hold our commitment in making our students not only to stand out in the global market place but being good human and serve humanity in its truest sense.


Each member of the Shipwreck Preservation Society of Newfoundland & Labrador Inc. (SPSNL) agrees to observe and comply with the following:
PRINCIPLES: SPSNL fully supports the objects and principles of the UNESCO Convention on the Protection of the Underwater Cultural Heritage (2001) and expects all members to adhere fully thereto.
STEWARDSHIP: SPSNL and its members act as stewards of our maritime heritage through the preservation, documentation and interpretation of shipwrecks and other submerged or nautical-related material culture.
PRESERVATION: SPSNL is dedicated to the preservation in place of shipwrecks and other archaeological remains. Members shall practice low-impact diving techniques and refrain from collecting artifacts, except as part of a licensed archaeological study. If there is an archaeological study, arrangements must be made for the conservation and curation of any remains recovered.
RESPONSIBILITY: SPSNL members shall adhere to the letter and spirit of all applicable legislation (i.e. the Historic Resources Act of NL) and should inform the relevant authorities (including police or government bodies) of any contraventions thereof.
STANDARDS: Members of SPSNL shall ensure that they are sufficiently trained and qualified for their role in any archaeological project. Members are encouraged to participate in training programs, including Nautical Archaeology Society courses.
DOCUMENTATION: The results of SPSNL projects shall be preserved through the production and dissemination of reports. Project leaders must maintain an archive of records, including field notes and reports, or make appropriate arrangements for this purpose.
COMMUNITY: The results of SPSNL projects must be communicated to the archaeological community and to the general public, including local media and related communities. Members must take extra care to not disturb human remains, and project leaders should encourage local representation and involvement.
PUBLIC OWNERSHIP: Artifacts on or recovered from marine heritage sites remain public property, even when collected under an archaeological license. Members shall refrain from the commercial trafficking of marine heritage artifacts, particularly the buying or selling of unlawful or undocumented artifacts. Ownership of all archaeological objects is vested in the Crown for the people of the province whether recovered under permit or otherwise. Hence, all archaeological activity (underwater and on land) is regulated.
INTEGRITY: The name or logos of SPSNL shall only be used for promotions, publications or projects sanctioned by SPSNL.
REPORTING: Any SPSNL member that discovers an undocumented historic wreck or site shall not communicate their finding publicly. The SPSNL member shall immediately communicate the details of their discovery to the NL Provincial Archaeology Office and to a member of the SPSNL board of directors, who shall advise members about the next steps.
SPSNL has adapted this code of conduct from that of Save Ontario Shipwrecks, with the kind permission of SOS.


Presented by: Clara Moran, Chief Deputy Attorney General
Clara Moran is the Chief Deputy Attorney General overseeing Criminal Affairs at the Office of the Attorney General. Clara previously served as Deputy Attorney General and Division Director of the Special Prosecutions Division. A career prosecutor, Clara has prosecuted homicides, violent crimes, sex crimes, crimes against children, public corruption, and domestic violence cases. A 2005 graduate of the University of New Mexico School of Law, Clara was the recipient of the 2019 Justice Mary Walters award, named one of New Mexico’s most outstanding professionals under 40 by the Albuquerque Business First Journal in 2018, received the 2014 Jurisprudence Prosecutor of the Year by the New Mexico District Attorneys Association, received the 2009 Outstanding Young Lawyer of the Year Award from the State Bar of New Mexico, and the 2007 Spirit Award from the New Mexico Coalition Against Domestic Violence. Clara has also served on the Board of Bar Commissioners since 2016.


A TAX ATTORNEY YOU CAN TRUST
EXCEPTIONAL KNOWLEDGE OF TAX, BANKRUPTCY, REAL ESTATE, AND CORPORATE LAW IN THE BAY AREA.
Taxation and Bankruptcy are far from glamorous areas of law. But few legal issues have a more direct effect on people’s lives. At Edgar Law Group, LLP, we chose to practice in these challenging and constantly changing areas because we realize that people need reliable tax and bankruptcy attorneys in San Jose. We offer the legal services you need to make smart business decisions, resolve tax disputes, alleviate debt and protect your assets. Our services include:
WHY YOU NEED A TAX ATTORNEY IN SAN JOSE
Taxation in the United States is an exceedingly complex issue. But it is an issue we must all deal with. If you are a business owner or even an individual, you probably dread tax time. Whether you are trying to resolve past tax liability, avoiding future tax disputes or navigating the tax code to construct the most advantageous tax strategy, a knowledgeable San Jose tax attorney can be a valuable ally. As an experienced accountant and licensed attorney, Ronda Edgar and her staff provide practical and goal-oriented tax advice. Our clients know they can have full confidence in Edgar Law Group, LLP to help them navigate the complex tax code.
BANKRUPTCY IN CALIFORNIA
Bankruptcy is an unfortunate reality for many in the current economic climate. But bankruptcy does not have to be the end. With the help of knowledgeable bankruptcy attorneys in San Jose it can be a new beginning for businesses and individuals trying to get back on track. At Edgar Law Group, LLP, we offer practical advice and guidance to our clients struggling with debt. We can help you decide if bankruptcy is right for you, introduce you to bankruptcy alternatives and, if appropriate, guide you through the bankruptcy process.
A RELIABLE SAN JOSE BANKRUPTCY LAW FIRM
As a San Jose bankruptcy attorney, our founder, Ronda Edgar, uses her advanced tax knowledge and accounting experience to help clients navigate taxation and debt issues in a practical manner. We are conveniently located in downtown San Jose and serve businesses and individuals throughout the Bay Area, including Sacramento, San Francisco, Oakland, Modesto and the surrounding areas. We offer flexible hours by appointment and free consultations. Call us today at 408-278-1200 or contact us online to discuss your case.


What is a Pawnbroking Surety Bond?
A Pawnbroking Surety Bond regulates owners and operators of pawn shops. The Pawnbroking Surety Bond protects consumers against misrepresentation, fraud, financial failure, breach of contract, and violation of other industry-specific state statutes.
What is the current market for a Pawnbroking Surety Bond?
Pawnbroking Surety Bonds are widely written by multiple surety bond markets. The respective minimum and maximum bond amounts for the Pawnbroking Surety Bond vary by state and may differ. Terms of approval and premium are largely determined by the financial condition of the pawn broker’s corporate and/or personal net worth, experience, and the needed bond amount.
How do I apply for a Pawnbroking Surety Bond?
- Complete our online Pawnbroking Surety Bond application, or
- Download and complete our printable Pawnbroking Surety Bond application, and
- Receive your surety bond quote in minutes!
Please note that additional underwriting information may be needed depending on bond request, information submitted, and to obtain the lowest possible rate.


There are three major expenses involved in donating a conservation easement. They are:
In order for you to take a tax deduction for your federal tax return, the IRS requires that you have an appraisal done which provides you with two values. (1) Fair market value (the value if you were able to sell the property today at its highest and best use); and (2) The value of the property if it were to stay strictly as farm and/or natural lands. The appraisal costs varies depending upon the property; however, the average is about $1,500.The cost of the appraisal is not treated as part of the charitable contribution. However, fees paid to determine the value of the easement donation can be claimed by the donor (under Section 212 of the Internal Revenue Code) to the extent that they are other miscellaneous deductions exceed the 2% gross income limitation. This can help offset the appraisal cost.
If no tax deduction is being sought, you can eliminate this expenditure.
Contribution to the Farm & Natural Lands Trust
In order for the Trust to be an effective steward of the lands that are preserved, we develop a conservation easement agreement and baseline document for each property. At the time that you would authorize us to continue with your easement, we ask for a contribution that will be used to cover the costs associated with this stewardship role. We will request of you a contribution of $500 or more as our costs can reach $4,000 for a typical easement.Part of our stewardship role also includes monitoring the property annually to insure the easement objectives are being met. As time passes, we often must address issues that arise relative to the easement agreement. We ask landowners to help cover these costs by contributing to our Land Stewardship Endowment Fund after the easement agreement is completed and filed. We will recommend a contribution amount based on the size of the property and number of the building envelopes. This contribution can be paid annually over a period of up to 10 years.
One or both of these provisions can be waived at the discretion of the board of directors of the Farm & Natural Lands Trust.
Legal and accounting costs
It is always a good idea to talk to your lawyer and accountant when making a decision such as this. These costs would depend solely on your use of these professionals.


Working Together for the Children of West Virginia
In 1999, Quota International’s First District, which includes all of the clubs in West Virginia as well as several in western Virginia, worked together to make a difference for the people of their region.
Infant hearing screening had just become law in Virginia, but the bordering state of West Virginia had no requirements on the books. So, the West Virginia Quota clubs took the initiative to help change the situation in their state, getting some assistance and encouragement from their Quota sisters across state lines. In an impressive show of unity and purpose, clubs throughout the First District worked together to encourage West Virginia’s lawmakers to mandate the procedure in hospitals.
Quotarians contacted state delegates and senators all over the Mountain State through letters, phone calls, and visits to explain the benefits of infant hearing screening and to advocate passage of a law requiring it. As a final push, the District sponsored a breakfast during the legislative session in Charleston, the capital city, so lawmakers could get facts and discuss the issue.
The result: a rousing success! Infant hearing screening is now required by law for all newborn citizens of West Virginia before they leave the hospital.
But Quota didn’t stop there!
The Quota District created a poster that was distributed to medical facilities in the state to inform patients and medical personnel of the new legislation. Then, the District cooperated with the West Virginia Bureau for Public Welfare to produce an informative magnet about hearing development that bears Quota’s name and has been distributed to families throughout the state.
“It has definitely brought our clubs closer together,” says past District Governor Kelly Palmer, who led the infant hearing screening effort. “The morale of our District is at an all-time high. We feel we contribute to our localities as well as to the people of our state.”
The We Share Foundation is proud to be a part of the work accomplished by the West Virginia members of Quota International!
For more information on Quota’s hearing screening program, please send your request, including your address, to email@example.com.
We Share Foundation Programs
- Community Champions
- JQ (Junior Quota) Club Program
- Cops ‘n’ Kids Literacy Program
- Healthy Hearing “Ear Plugs” Campaign
- “Listen Up, Turn It Down” Campaign
- Quota World Service Public Awareness Campaign
- Quota Cares Month Campaign
- Volunteer of the Year
- Club Publicity Resources and Tools
- Polish and Shine News Release Service
- Protect Your Hearing Month
- Global Youth Service Network
- Quota Service Project Directories
- Quota Cares Teddy Bears
- 2001-2012 Photo Contest Winners
- Setting Up 501(c)(3) Status (U.S. clubs)
Donate to the We Share Foundation
Questions? Contact firstname.lastname@example.org


Sam Witter Health Ltd
Terms and Conditions
Last updated: May 23rd 2018
This page (together with the documents expressly referred to on it) provides you with information about us and the legal terms and conditions (“Terms”) on which we sell any of the products (“Products”) and/or provide any of the services (such as membership subscriptions) (“Services”) listed on our website (“our site”) to you.
These Terms will apply to any contract between us for the sale of Products or the provision of Services to you (“Contract”). Please read these Terms carefully, particularly part 9.3 your right to cancel, and make sure that you understand them before ordering any Products from our site. Please note that before placing an order you will be asked to agree to these Terms. If you refuse to accept these Terms, you will not be able to order any Products and/or Services from our site.
You should print a copy of these Terms or save them to your computer for future reference.
We amend these Terms from time to time as referred to in clause 8. Every time you wish to make an order, please check these Terms to ensure you understand the terms of your order which are applicable at that time. These Terms were most recently updated on 04 December 2016.
1. INFORMATION ABOUT THE PLAN
1.1 We operate the website www.samwitterhealth.uk and all sub-domains (hereinafter referred to as SWH), a collection of websites fully owned by Sam Witter Health Ltd, a company registered in England and Wales under company number 08778620.
1.2 Contacting us: To cancel a Contract in accordance with your legal right to do so as set out in clause 9, you just need to let us know that you have decided to cancel. You can e-mail us at email@example.com. If you are emailing us or writing to us please include details of your order to help us to identify it. If you send us your cancellation notice by e-mail or by post, then your direct debit will be cancelled within 14 working days of the receipt of notification providing you have fulfilled the minimum terms of contract.
1.2.2 If you wish to contact us for any other reason, including because you have any complaints, you can contact us or by e-mailing us at firstname.lastname@example.org. We aim to respond to all queries within 48 hours.
1.2.3 If we have to contact you or give you notice in writing, we will do so by e-mail or by pre-paid post to the address you provide to us in your order.
2. YOUR STATUS
In order to place an order on our site, you must be a consumer, not a business or a reseller and be at least 16 years of age.
3. OUR PRODUCTS
3.1 All the meals contained within SWH are pre-set. The plan does not allow for food allergies or intolerance and medical advice must be sought prior to using the Plan. It is important that you fully understand that the advice given from SWH is followed at your own risk and responsibility. Although SWH will recommend the use of products in line with the fat loss programme you must ensure that both you and your GP or consultant are comfortable with all the ingredients. Our approach to exercise and nutrition is what we believe is optimum for each client and by signing up to the company’s online plan you are trusting this approach and whilst feedback is appreciated – disagreeing with our methods on the basis of other professionals point of view will not result in any aspect of the plans being re-designed or warrant a refund. The training contained within the plan is also pre-set. Training is only recommended once a day and no more. Please ensure you complete your age, height and weight when signing up to use SWH.
3.2 Liability and Risk. When following the company plan you are doing so responsibly with your own guidance and take full responsibility for the effects on your body which you may experience along the way. As with any exercise program you assume certain risks to your health and safety. Any form of exercise program can cause injuries, and any of the plans from Sam Witter Health Ltd is no exception. It is possible that you may become injured doing the exercises in your program, especially if they are done with poor form. If you choose to participate in these risks, you do so of your own free will and accord, knowingly and voluntarily assuming all risks associated with such exercise activities. These risks also exist for those who are currently in good health right now. Our company does not act as medical doctors. You MUST consult your doctor before beginning ANY of our plans or exercise programs. You MUST consult your doctor/physical therapist immediately in the event or illness or injury and follow their direct advice which could mean stopping the plan altogether. You are using SWH at your own risk and Sam Witter Health Ltd is not responsible for any injuries or health problems you may experience or even death as a result of using SWH.
3.3 The images of the Products on our site are for illustrative purposes only. Although we have made every effort to display the colours accurately, we cannot guarantee that your computer’s display of the colours accurately reflect the colour of the Products. Your Products may vary slightly from those images.
3.4 The packaging of the Products may vary from that shown on images on our site.
3.5 All Products shown on our site are subject to availability. We will inform you by e-mail as soon as possible if the Product you have ordered is not available and we will not process the order if the item is unavailable.
3.6 Content on our site is not intended to constitute medical or pharmaceutical advice, or to be a substitute for any advice given by a licenced healthcare professional. You should contact your medical practitioner immediately if you suspect you have a medical problem, and stop using any Products or Services that you suspect may contribute to the problem or if you experience any adverse effects. You should not use any information or statement about any of our Products or Services to attempt to diagnose, treat, cure or prevent any medical condition.
4. OUR SERVICES
4.1 By placing an order for any Services, you accept that those Services commence on receipt by you of confirmation of your login details.
4.2 You may terminate your subscription to our site at any time by giving us notice in writing but will not be given a refund if you choose to do so (unless the Service has been defective for some reason). You must also have fulfilled the minimum term of contract as stated at the time of purchase.
5. HOW WE USE YOUR PERSONAL INFORMATION
6. CONSUMER RIGHTS
As a consumer, you have legal rights in relation to Products and/or Services that are faulty or not as described. Advice about your legal rights is available from your local Citizens’ Advice Bureau or Trading Standards office. Nothing in these Terms will affect these legal rights. You also have a right to cancel the Contract as set out below in clause 9.
7. THE CONTRACT BETWEEN YOU AND US
7.1 To place an order on our site, simply click the Product or Service of your choice and go through the checkout procedure.
7.2 Our order process allows you to check and amend any errors before submitting your order to us. Please take the time to read and check your order at each page of the order process.
7.3 After you place an order, you will receive an e-mail from us acknowledging that we have received your order. However, please note that this does not mean that your order has been accepted. Our acceptance of your order will take place as described in clause 7.4.
7.4 We will confirm our acceptance to you by sending you an e-mail that confirms that you have signed up to SWH or purchased a Product. The Contract between us will only be formed when we send you the Email Confirmation.
7.5 If we are unable to supply you with a Product or a Service, for example because that Product is not in stock or no longer available, we will inform you of this by e-mail and we will not process your order. If you have already paid for the Products, we will refund you the full amount including any delivery costs charged as soon as possible.
8. OUR RIGHT TO VARY THESE TERMS
8.1 We may revise these Terms from time to time.
8.2 Every time you order Products or Services from us, the Terms in force at that time will apply to the Contract between you and us.
8.3 Whenever we revise these Terms in accordance with this clause 8, we will keep you informed and give you notice of this by stating that these Terms have been amended and providing the date of such amendment at the top of this page.
8.4 If we have to revise these Terms as they apply to your order, we will contact you to give you reasonable advance notice of the changes and let you know how to cancel the Contract if you are not happy with the changes. You may cancel either in respect of all the affected Products and/or Services or just the Products and/or Services you have yet to receive. If you opt to cancel, you will have to return (at our cost) any relevant Products you have already received and we will arrange a full refund of the price you have paid, including any delivery charges.
9. YOUR CONSUMER RIGHT OF CANCELLATION
9.1 If you are a consumer, you have a legal right to cancel a Contract under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 during the period set out below in clause 9.2 This means that during the relevant period if you change your mind or decide for any other reason that you do not want to sign up to SWH or keep a Product, or that you do not want a Service, you can notify us of your decision to cancel the Contract and receive a refund. Advice about your legal right to cancel the Contract is available from your local Citizens’ Advice Bureau or Trading Standards office.
9.2 Your legal right to cancel a Contract starts from the date of the Email Confirmation, which is when the Contract between us is formed. You have a period of 14 (fourteen) days in which you may cancel, starting from the day after you sign up to SWH or purchase a Product.
9.3 To cancel a Contract, you just need to let us know that you have decided to cancel. You can e-mail us at email@example.com or by post. If you are e-mailing us or writing to us please include details of your order to help us to identify it. If you send us your cancellation notice by e-mail or by post, then your cancellation is effective 14 calendar days after the date your email or letter is received providing you have fulfilled the minimum term of contract as displayed at the time of purchase or more specifically, you have made at least 3 payments for the pay monthly option.
9.4 If you cancel your Contract we will:
9.4.1 refund you the price you paid for SWH from the date of receipt of notification to cancel.
9.4.2 We will refund you on the credit card or debit card used by you to pay.
10. PRICE OF PRODUCTS AND DELIVERY CHARGES
10.1 The prices of the Products will be as quoted on our site at the time you place your order. We use our best efforts to ensure that the prices of Products and Services are correct at the time when the relevant information was posted on our site. However, if we discover an error in the price of any Product(s) and/or Service(s) you have ordered, please see clause 14.5 for what happens in this event.
10.2 Prices for our Products and/or Services may change from time to time, but changes will not affect any order which we have confirmed with an Email Confirmation.
10.3 The price of a Product or Service includes VAT (where applicable) at the applicable current rate chargeable in the UK for the time being. However, if the rate of VAT changes between the date of your order and the date of delivery, we will adjust the VAT you pay, unless you have already paid for the Products in full before the change in VAT takes effect.
10.4 The price of a Product does not include delivery charges. Our delivery charges are as advised to you during the check-out procedure before you confirm your order.
10.5 Our site contains a large number of Products and Services. It is always possible that, despite our best efforts, some of the Products or Services on our site may be incorrectly priced. We will normally check prices as part of our dispatch procedures so that where the Product’s correct price is less than the price stated on our site, we will charge the lower amount when dispatching the Products to you. However, if the pricing error is obvious and unmistakable and could have reasonably been recognised by you as a mispricing, we do not have to provide the Products or Services to you at the incorrect (lower) price and if the Product or Service’s correct price is higher than the price stated on our site, we will contact you as soon as possible to inform you of this error and we will give you the option of continuing to purchase the Product or Service at the correct price or cancelling your order. We will not process your order until we have your instructions. If we are unable to contact you using the contact details you provided during the order process, we will treat the order as cancelled and notify you in writing.
11. HOW TO PAY
11.2 Payment for the Products, Services and all applicable delivery charges is in advance. We will not charge your debit card or credit card until we dispatch your order.
11.3 By subscribing to a SWH subscription, you authorise us to use the card details you provide to us to take a one off payment for the relevant subscription fee. If that card expires at any time or we are otherwise unable to take payment from it, you must provide us with an alternative payment method. We reserve the right to suspend the subscription of any user that has not paid all of their subscription fees.
12. MANUFACTURER GUARANTEES
12.1 Some of the Products we sell to you come with a manufacturer’s guarantee. For details of the applicable terms and conditions, please refer to the manufacturer’s guarantee provided with the Products.
12.2 As a consumer, a manufacturer’s guarantee is in addition to your legal rights in relation to Products that are faulty or not as described. Advice about your legal rights is available from your local Citizens’ Advice Bureau or Trading Standards office.
13. OTHER IMPORTANT TERMS
13.1 We may transfer our rights and obligations under a Contract to another organisation, but this will not affect your rights or our obligations under these Terms.
13.2 You may only transfer your rights or your obligations under these Terms to another person if we agree in writing.
13.3 This contract is between you and us. No other person shall have any rights to enforce any of its terms, whether under the Contracts (Rights of Third Parties Act) 1999 or otherwise.
13.4 Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.
13.5 If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.
13.6 Please note that these Terms are governed by English law. This means a Contract for the purchase of Products through our site and any dispute or claim arising out of or in connection with it will be governed by English law. You and we both agree to that the courts of England and Wales will have exclusive jurisdiction, however we reserve the right to bring proceedings against customers in their country of residence.
13.7 We will not file a copy of the Contract between us.
Sam Witter Health LIMITED
140 Lee Lane,
We will respond to all requests, inquiries or concerns within 2 (2) days.


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