§ 1 - General - Scope
(1) Our conditions of sale apply exclusively to all current and future business relationships; We do not recognize customer conditions that conflict with or deviate from our conditions of sale, unless we have expressly agreed to their validity. Our conditions of sale also apply if we carry out the delivery to the entrepreneur without reservation while being aware of conflicting or deviating conditions of purchase of the customer.
(2) All agreements that are made between us and the customer for the purpose of executing this contract must be set out in writing in this contract.
§ 2 - Offer - Offer documents
(1) If the order qualifies as an offer in accordance with Section 145 BGB, we can accept it within a maximum of 2 weeks. The acceptance can be declared in writing or by delivering the goods to the customer.
(2) Our offer is non-binding, unless otherwise stated in the order confirmation.
(3) We reserve property rights and copyrights to images, drawings, calculations and other documents. This also applies to written documents that are designated as "confidential". Before passing them on to third parties, the customer requires our express written consent.
(4) Information in catalogs, drawings and descriptions as well as information on performance, dimensions, weight and color are only approximate unless they are the subject of a binding offer. In addition, we reserve the right to make design and shape changes and improvements to the delivery item made by the manufacturer during the delivery time if these changes are reasonable for the customer. Deviations in size, content, weight and color tones are permitted within the scope of what is customary in trade.
(5) If the contract is concluded, the contract comes with SchokoBedarf GmbH Taube Bünte 21, D-29308 Winsen / Aller Register number HRB 204770 Lüneburg District Court conditions.
(6) The presentation of the goods in our online shop does not constitute a legally binding contract offer on our part, but is only a non-binding invitation to the consumer to order goods. By ordering the desired goods, the consumer submits a binding offer to conclude a purchase contract.
(7) When an order is received in our online shop, the following rules apply: The consumer submits a binding contract offer by successfully going through the ordering procedure provided in our online shop.
The order takes place in the following steps:
1) Selection of the desired goods
2) Confirm by clicking the button "Order" or "Add to shopping cart"
3) Checking the information in the shopping cart
4) Click on the "Checkout" button
5) Registration in the online shop after registering and entering the registration details (email address and password).
6) Another check or correction of the respective entered data.
7) Binding dispatch of the order. Before the binding submission of the order, the consumer can return to the website on which the customer's information is recorded and correct or correct input errors by pressing the "Back" button contained in the Internet browser used by him after checking his details Cancel the order process by closing the Internet browser. We immediately confirm receipt of the order by an automatically generated email ("order confirmation"). With this we accept your offer.
(8) We save the contract text of your order. You can print this out before sending your order to us by clicking on "Print" in the last step of the order. We will also send you an order confirmation as well as an order confirmation with all order data and our general terms and conditions to the email address you provided.
§ 3 - Prices - Terms of Payment
(1) The statutory value added tax is included in our prices in the shop; it will be shown separately on the day of invoicing at the statutory rate. Transport costs are shown separately.
(2) Installation and assembly costs are only included in the price in the event of a separate agreement.
(3) We reserve the right to change our prices accordingly if, after the conclusion of the contract, cost reductions or increases occur, in particular due to collective bargaining agreements or changes in the price of materials.
(4) Discount deduction requires a special written agreement.
(5) Unless otherwise stated in the order confirmation, the net purchase price is due upon receipt of the invoice. If an entrepreneur is in default of payment, we are entitled to demand default interest of 9.5% above the respective base rate p.a. In the case of a consumer, the default interest is 5% above the respective base rate p.a. If we are able to prove higher damage caused by default, we are entitled to assert this.
(6) If we are obliged or entitled to take back the equipment used, we are entitled to the following flat-rate claims as minimum sums for the use and depreciation of the delivered goods: for use and depreciation in the case of redemption during the first six months after delivery / acceptance 33 % of the order price, during the second half year after delivery / acceptance 40% of the order price, during the third and for each further half-year commenced a further 5% of the order price. The customer reserves the right to prove that we did not suffer any damage or significantly less damage as a result of the return. We reserve the right to prove that the damage we incurred for use and depreciation is greater. When determining the damage, the age and condition of the device and its recyclability must be taken into account
(7) The customer is only entitled to set-off rights if his counterclaims are legally established, undisputed or recognized by us. Rights of retention can only be asserted if the counterclaim is based on the same contractual relationship and is undisputed by us.
§ 4 - delivery time
(1) The start of the delivery time specified by us presupposes the clarification of all technical questions and agreement on all conditions of the business.
(2) Compliance with the delivery obligation requires the timely and proper fulfillment of the customer's obligations, in particular the complete provision of the documents to be provided by the customer and the receipt of any agreed down payment.
(3) If the customer is in default of acceptance or if he violates other obligations to cooperate, we are entitled to demand compensation for the damage incurred, including any additional expenses. We reserve the right to make further claims.
(4) If the prerequisites of Paragraph (3) are met, the risk of accidental loss or accidental deterioration of the purchased item is transferred to the customer at the point in time at which the customer is in default of acceptance or payment.
(5) We are entitled to deliver at the start of the agreed delivery time. If the customer cannot or does not want to accept the goods at this point in time despite our offer, we have the right to store the goods with us and to charge them for immediate payment. All of the additional costs resulting from this measure or otherwise due to the delay in acceptance can be invoiced separately.
(6) If the order is not carried out for reasons for which the customer is responsible, 25% of the order amount shall apply as agreed damages. The customer reserves the right to prove that we did not suffer any damage or significantly less damage due to non-implementation. The compensation is due for immediate payment. This does not exclude the assertion of further damage.
(7) Delivery and service disruptions due to force majeure and unforeseen events for which we are not responsible and which make delivery significantly more difficult or impossible for us, in particular strikes, lockouts, operational disruptions, official measures, delay in the delivery of Accessories, etc., even if they occur at our suppliers or sub-suppliers, entitle us to extend the delivery time by up to 8 weeks, even in the case of binding delivery deadlines.
(8) If the hindrance lasts longer than 3 months, the customer is entitled to withdraw from the contract after setting a reasonable grace period.
(9) If we are in default of delivery, the customer is entitled to compensation for damage caused by default in the amount of a maximum of 10% of the invoice value of the delayed delivery / service. Any further claims are excluded, unless the delay is based at least on our gross negligence. The right of the customer in the event of an existing delay to withdraw from the contract after the unsuccessful expiry of a period of grace with a threat of rejection remains unaffected. Insofar as a commercial firm deal has been agreed between the parties, Paragraphs (7), (8) and (9) do not apply.
(10) Partial deliveries are permitted within the framework of what is reasonable and must be invoiced according to the agreed terms of payment.
§ 5 - assembly
(1) When assembly begins, all construction work must have progressed so far that assembly can be carried out unhindered. The customer undertakes to provide electricity, water, heating, lighting and the lockable rooms required to store the items delivered and the tools brought for assembly. For the transport of heavy objects, the customer has to procure auxiliary persons as well as the necessary equipment and lifting equipment. If openings in the buildings for bringing in parts turn out to be too small, all costs arising as a result, in particular for enlarging the opening or dismantling the parts as well as absent and waiting times, must be borne by the customer.
(2) Masonry, plastering, painting, carpentry, installation and electrical connection work are not included in the offers. If devices are connected by the seller, all necessary water and sewage systems must be provided on site. Electricity and gas connections at the installation site must be routed to the devices.
(3) We are only liable for the proper handling and installation or assembly of the delivery items; we are not liable for the work of the people working for us insofar as this work is not related to the installation or assembly or insofar as it is initiated by the customer.
§ 6 - Transfer of risk, packaging costs
(1) You can find detailed information on shipping and packaging costs in the corresponding subsection of the shop menu.
(2) If the customer is an entrepreneur, the risk of accidental loss and accidental deterioration of the item sold is transferred to the forwarding agent, the carrier or the person or institution otherwise assigned to carry out the shipping Customers over. If the customer is a consumer, the aforementioned risk is only transferred to the buyer when the goods are sold by mail.
(3) If the packaging material is delivered after delivery to our plant, it will be returned free of charge.
(4) If the customer so wishes, we will cover the delivery with transport insurance at his own expense.
§ 7 - Warranty for defects
(1) We are liable to consumers in the event of a defect in accordance with the statutory provisions.
(2) With regard to entrepreneurs, we guarantee a defect in the delivery item for which we are responsible, either through repair or replacement, at our option. In the case of repairs, we only bear the expenses up to the amount of the purchase price. If, contrary to its intended use, the entrepreneur has moved the delivery item to a location other than the place of residence or the commercial branch, he shall bear the additional costs incurred in remedying the defect.
(3) The entrepreneur can withdraw from the contract or demand a reduction in price if we do not carry out the supplementary performance successfully. However, in the event of only a minor breach of contract, in particular only minor defects, the entrepreneur is not entitled to withdraw from the contract. If the purchased item does not meet a guarantee of quality, we are liable in accordance with the statutory provisions.
(4) We are liable in accordance with the statutory provisions if the customer asserts claims for damages based on intent or gross negligence and if the customer asserts claims for damages resulting from injury to life, limb or health that are based on intent or negligence . Insofar as we are not accused of intentional breach of contract or we have culpably breached an essential contractual obligation, the liability for damages is limited to the foreseeable, typically occurring damage.
(5) Otherwise liability for damages is excluded. The exclusion of liability from § 7 Paragraph 4 and 5 does not apply to consumers
(6) An entrepreneur's warranty rights require that he notifies us of obvious defects within 14 days of receipt of the goods; otherwise the assertion of the warranty claim is excluded. In commercial transactions, the obligations arising from §§ 377, 378 HGB remain unaffected.
(7) The warranty period for entrepreneurs is one year and for consumers two years, in each case from delivery of the goods. The period is a limitation period. If the manufacturer grants us a longer warranty period, this also applies to our customers.
(8) For consumers, the warranty period for used items is one year. Otherwise there is no guarantee for used items.
(9) In relation to entrepreneurs, only the manufacturer's product description is deemed to be agreed as the quality of the goods. Public statements, promotions or advertising by the manufacturer, on the other hand, do not represent a contractual specification of the quality of the goods.
(10) The customer does not receive any guarantees in the legal sense from us, a possible manufacturer guarantee remains unaffected. Guarantee claims to which we are entitled against this manufacturer, supplier or third party have been assigned to the customer. If a guarantee card is taken over, the content of the guarantee results from this.
(11) Warranty claims against us are only available to the customer directly and are not transferable.
§ 8 - Joint Liability
(1) Any further liability for damages than provided for in § 7 - regardless of the legal nature of the claim asserted - is excluded.
(2) Insofar as liability is mandatory due to the provisions of the Product Liability Act, this remains unaffected.
(3) As far as the liability for damages towards us is excluded or limited, this also applies with regard to the personal liability for damages of our employees, employees, representatives and vicarious agents.
§ 9 - Securing retention of title
(1) With regard to entrepreneurs, we reserve ownership of the goods until all payments from the business relationship with the customer have been received. This also applies until all payments from an existing current account relationship (business relationship) with the customer have been received; the reservation relates to the recognized balance.
(2) In relation to consumers, we reserve ownership of the goods until the purchase price has been paid in full.
(3) The customer is obliged to treat the reserved goods with care; in particular, he is obliged to insure them adequately at replacement value at his own expense against damage caused by fire, water and theft. If maintenance and inspection work is required, the customer must carry this out at his own expense.
(4) In the event of seizures or other interventions by third parties, the customer must notify us immediately in writing so that we can take legal action in accordance with Section 771 ZPO. If the third party is unable to reimburse us for the judicial and extrajudicial costs of a lawsuit in accordance with § 771 ZPO, the customer is liable for the loss we incur.
(5) The customer is entitled to resell the reserved goods in the ordinary course of business; However, he already now assigns to us all claims in the amount of the final invoice amount (incl. VAT) of our claim that arise from the resale to his buyer or third party, regardless of whether the purchased item is resold without or after processing has been. The customer remains revocably authorized to collect this claim even after the assignment. Our authority to collect the claim itself remains unaffected. However, we undertake not to collect the claim as long as the customer fulfills his payment obligations from the proceeds received, is not in default of payment and, in particular, has not filed for bankruptcy, composition or insolvency proceedings or payments have been suspended. If this is the case, the customer is obliged to notify us of the assigned claims and their debtors, to provide all information required for collection, to hand over the associated documents and to notify the debtors (third parties) of the assignment. (6) The processing or transformation of the reserved goods by the customer is always carried out for us free of charge. If the reserved goods are processed with other items that do not belong to us, we acquire co-ownership of the new item in the ratio of the value of the reserved goods (final invoice amount, including VAT) to the other processed items at the time of processing. The same applies to the item resulting from processing as to the goods delivered under reservation.
(7) If the reserved goods are inseparably mixed with other items that do not belong to us, we acquire co-ownership of the new item in the ratio of the value of the reserved goods (final invoice amount, including VAT) to the other mixed items at the time of mixing. If the mixing takes place in such a way that the customer's item is to be regarded as the main item, it is agreed that the customer shall transfer proportional co-ownership to us. The customer shall keep the resulting sole or joint ownership for us. (8) The customer also assigns to us the claims to secure our claims against him, which arise against a third party through the connection of the reserved goods with a property.
(9) We undertake to release the securities to which we are entitled at the customer's request insofar as the realizable value of our securities exceeds the claims to be secured by more than 20%; the selection of the securities to be released is incumbent on us.
§ 10 - Customer Service
For customer service, the rates valid on the day of the respective customer service call apply as agreed. If flat rates are charged for the journey, these also apply if the Customer service was requested "occasionally". If goods are delivered at the same time as part of customer service operations, flat rates for the journey will still be offset. For Customer service work on devices that have not been purchased by us may be charged with a flat-rate service charge.
§ 11 - Place of jurisdiction - place of performance
(1) Our place of business is the place of jurisdiction for full merchants however, we are entitled to sue the customer at his place of residence.
(2) Unless otherwise stated in the order confirmation, our place of business is the place of performance.
(3) German law applies exclusively. This choice of law only applies to consumers insofar as they do not restrict any mandatory statutory provisions of the state in which they have their domicile or habitual residence.
§ 12 - cancellation policy for distance contracts
(1) Cancellation policy - Beginning of the right of withdrawal - You have the right to cancel this contract within fourteen days without giving any reason. The cancellation period is fourteen days from the day on which you or a third party named by you who is not a carrier has taken possession of the last goods or the last partial shipment. In order to exercise your right of withdrawal, you must send a clear message to us (SchokoBedarf GmbH, Taube Bünte 21, 29308 Winsen / Aller, phone: 0049 5143/66 90 517, fax: 0049 5143/66 90 518, email: email@example.com) Declaration (e.g. a letter sent by post, fax or email) of your decision to withdraw from this contract. You can use the attached model withdrawal form, but this is not mandatory. In order to meet the cancellation deadline, it is sufficient for you to send your notification that you are exercising your right of cancellation before the cancellation period has expired. Consequences of the withdrawal If you withdraw from this contract, we will have given you all payments that we have received from you, including delivery costs (with the exception of the additional costs that result from choosing a different type of delivery than the cheapest standard delivery offered by us have), to be repaid immediately and at the latest within fourteen days from the day on which we received notification of your cancellation of this contract. For this repayment, we will use the same means of payment that you used for the original transaction, unless something else was expressly agreed with you; In no case will you be charged any fees for this repayment. We can refuse repayment until we have received the goods back or until you have provided evidence that you have sent the goods back, whichever is earlier. You must return or hand over the goods to us immediately and in any case no later than fourteen days from the date on which you informed us of the cancellation of this contract. The deadline is met if you send the goods before the period of fourteen days has expired. You bear the direct costs of returning the goods. You only have to pay for any loss in value of the goods if this loss in value is due to handling of the goods that is not necessary to check the nature, properties and functionality of the goods. -- End of revocation - Paragraph 2 Sample cancellation policy At: SchokoBedarf GmbH Taube Bünte 21 29308 Winsen / Aller by fax: 0049 5143/66 90 518 by email: firstname.lastname@example.org - I / we (*) hereby revoke the contract concluded by me / us (*) for the purchase of the following goods - Ordered on (*) / received on (*) - Name of the consumer (s) - Address of the consumer (s) - Signature of the consumer (s) (only if this is communicated on paper) - Date ___________ (*) Delete where inapplicable. (3) Entrepreneurs within the meaning of Section 14 of the German Civil Code (BGB), legal entities under public law and special funds under public law have no right of withdrawal.
§ 13 - data protection
(1) When initiating, concluding, processing and reversing a sales contract, we collect, store and process data within the framework of the statutory provisions.
(2) When you visit our website, the IP address currently used by your PC, the date and time, the browser type and the operating system of your PC as well as the pages you viewed are logged. However, it is neither possible nor intended for us to draw conclusions about personal data. The personal data that you provide to us, e.g. For example, when placing an order or by e-mail (e.g. your name and contact details) will only be processed for correspondence with you and only for the purpose for which you have made the data available to us. We only pass on your data to the shipping company commissioned with the delivery, insofar as this is necessary for the delivery of the goods. In order to process payments, we pass on your payment details to the credit institute commissioned with the payment.
(3) We assure you that we will not otherwise pass on your personal data to third parties unless we are legally obliged to do so or you have given your express prior consent. As far as we use the services of third parties to carry out and process processing, the provisions of the Federal Data Protection Act are observed.
(4) Duration of storage: Personal data that have been communicated to us via our website are only stored until the purpose for which they were entrusted to us has been fulfilled. As far as commercial and tax retention periods are to be observed, the duration of the storage of certain data can be up to 10 years.
(5) Your rights: If you no longer agree to the storage of your personal data or if it has become incorrect, we will initiate the deletion, correction or blocking of your data in accordance with the statutory provisions. Upon request, you will receive free information about all personal data that we have stored about you. If you have any questions about the collection, processing or use of your personal data, for information, correction, blocking or deletion of data, please contact: SchokoBedarf GmbH Taube Bünte 21 29308 Winsen / Aller email@example.com Tel. 0049-5143 - 66 90 517
(6) Links to other websites Insofar as we refer or link to the websites of third parties from our website, we cannot assume any guarantee or liability for the correctness or completeness of the content or the data security of these websites. Since we have no influence on compliance with data protection regulations by third parties, you should check the respective data protection declarations offered separately.
§ 14 - Contract language:
As contract language german will be available exclusively.
§ 15 - Final remark:
If general terms and conditions have not become part of the contract in whole or in part or are ineffective, the rest of the contract remains effective. If the provisions have not become part of the contract or are ineffective, the content of the contract is based on the statutory provisions.


This article will provide information on the legal requirements and procedures that must be followed for the respectful burial cremation, or Terramation of a loved one who has passed away. It will explain the important consideration of identifying the legal authority for authorizing the final disposition of the remains in the state of Washington. The blog will cover different scenarios and individuals who possess the legal power to make such decisions.
- Designated Agent
- In Washington, individuals can appoint a designated agent in writing to have the authority to authorize disposition upon their death. This can be done through a specific document, such as a Designation of Authorized Disposition, in which the deceased person designates someone they trust to make decisions regarding their funeral arrangements and final resting place.
- Next of Kin
- If the deceased person did not appoint a designated agent, the legal authority to authorize disposition generally falls to the deceased person’s next of kin. In Washington, the order of priority for next of kin is as follows:
- a) Spouse or state-registered domestic partner
- b) Adult children
- c) Parents
- d) Siblings
- e) Other relatives
It’s important to note that the next of kin must reach a consensus regarding the disposition of the remains. If there is a disagreement among the next of kin, the matter may need to be resolved through legal channels.
- Funeral Director
- In certain circumstances, a funeral director may have the authority to authorize disposition. This occurs when the funeral director receives written authorization from a designated agent or from the deceased person’s next of kin.
- Executor/Personal Representative
- If the deceased person had a valid will and appointed an executor or personal representative, this individual may have the authority to authorize disposition. The executor’s authority stems from their role in carrying out the deceased person’s wishes as outlined in the will.
- Court Appointment
- If none of the above individuals are available or willing to take on the responsibility, a court may appoint a person to authorize disposition. This situation usually arises when there are disputes among the next of kin or when no suitable person is available to fulfill the role.
It is crucial to handle the authority to decide the final arrangement for the deceased with empathy and consideration for their desires. If there are doubts regarding who has the legal power or conflicts among the immediate family members, consulting a legal expert can help clarify the matter and guarantee that the deceased individual’s wishes are respected.
To avoid confusion or conflicts, individuals should communicate their wishes clearly in advance. Creating a designated agent document or including specific instructions regarding disposition in a will can alleviate uncertainty and provide guidance to loved ones during a difficult time.
In Washington, the responsibility of making disposition decisions is mainly given to a designated agent or the deceased person’s closest relative. Knowing the legal structure and the order of priority for decision-making can help individuals ensure that their loved one’s final wishes are carried out as intended. Communication, paperwork, and legal advice are all critical factors in navigating this delicate area of funeral planning and end-of-life preparations.


A permit for emissions is required before any installation begins. Failure to apply for, or being late in filing for and receiving, a "permit to operate an air contaminant source" can cause delays in installing and operating the equipment. The permit to operate is needed before the equipment can be used, and often before installation and assembly can begin. The application forms are usually complicated and, when completed, the application is subject to administrative review before approval.
The agency that develops regulations for environmental emissions is the federal Environmental Protection Agency, or EPA. The review is conducted by and the permit issued through its state agency, known as the Department of Environmental Quality, which will conduct a review to predict the level of pollutants the booth will emit.
The EPA has no jurisdiction over actual booth design. It regulates the allowable amount of toxic material in exhaust stack emissions, liquid and solid waste streams.
Regarding spray booths, its standards place limitations on the amount of toxic material in the form of solvent vapor, known as volatile organic compounds (VOCs), entering the environment through the booth exhaust stack. A spray booth is not an emission control device; instead, it is designed to collect solid particulate only, not solvent vapors.
If the predicted level of emissions is acceptable, the state agency will issue a permit to operate an air contaminant source. If the pollutant level is unacceptable, the agency may deny the permit, require the use of exhaust air treatment equipment, or require the use of a different coating material.
To comply with EPA requirements, exhaust air may need to be treated with equipment installed outside the spray booth. Carbon adsorption systems, or incineration systems, for example, are acceptable methods for collecting VOCs.


2.1. By submitting an application, the Startup Applicant agrees to enter into the selected Unknown Group activity. Unknown Group will review the application and respond to the applicant. In case the response is positive, Unknown Group or a Partner most relevant for the specific Startup Applicant, will contact the individual applicant to welcome him as a participant in this Unknown Group Activity.
2.2. By submitting an application, the Visitor Applicant agrees to visit the Unknown Group Activity that is related to the specific application. Unknown Group or a Partner most relevant for the specific Visitor Applicant, will contact the individual applicant to welcome him as a visitor of this Unknown Group Activity.
2.3. By submitting a newsletter application, the Newsletter Applicant agrees to Unknown Group sending newsletters and related information to the email address that the Newsletter Applicant has provided.
2.4. By submitting a job application the, Job Applicant will be contacted about the job selection process of Unknown Group. Personal information will be deleted four weeks after the selection process ended, unless agreed that Unknown Group can keep personal information for one year long.
2.5. By submitting any other form the Applicant can be contacted for the specific request of the applicant.
3.1. For Visitor Applicants and Startup Applicants there can be costs involved in signing up to participate in a Unknown Group Activity. This can be a ticket price for example. Each activity will have its own offer and ticketing policies varying per activity.
4.1. Website visitors and/or Applicants shall not reproduce any content or services, offered on the Website, for external sources without the correct reference to Unknown Group.
4.2. Website visitors and/or Applicants shall not commercially use any content or services offered on the Website or in newsletters for any purpose without the prior written consent of Unknown Group.
4.3. Unknown Group is entitled to remove any illegal or prohibited data and/or information from the Website without prior notice to the Applicant.
4.4. Unknown Group is not responsible for any confidential information shared by Applicants on the Website. Please do not include any information you do not wish to be shared with others.
5.1. Unknown Group organizes Activities each run by Organizers that are licensed or contracted by Unknown Group. In case an Applicant enters into an agreement directly with an Organizer, they will be jointly responsible for the execution and/or fulfillment of agreements in which they enter with one another. Unknown Group can and shall not be held accountable for any obligations resulting from these agreements and/or damages inflicted as a result of this mutual commitment.
5.2. The Startup Applicant is responsible for the execution and/or fulfillment of direct agreements with Partners of Unknown Group or other third parties. Unknown Group cannot be held accountable for any obligation resulting from these agreements and/or damages inflicted as a result of this relationship.
5.3. Unknown Group, its Organizers, and/or any of its Partners can offer Startup Applicants products and services during Unknown Group Activities. It is up to the Applicants themselves to decide whether they would like to make use of these products and services or not. These products and services are not related to the Unknown Group Activity.
5.4. By applying to a Unknown Group Event, Opportunity or other Activity the Startup Applicant accepts that they can be actively connected to opportunities by Unknown Group.
6.1. By submitting an application, the Applicant consents to enter into an agreement to use the services of Unknown Group, including the use of the Website.
6.2. The Applicant guarantees that the information provided to Unknown Group is true and non-misleading and does not use pseudonyms or nicknames.
6.3. The Applicant commits to keep their contact information as provided to Unknown Group up to date.
6.4. Unknown Group has the right to refuse an application of the Applicant or end the participation thereof in the Unknown Group Activity and/or on the Website for reasons such as, but not limited to:
The Agreement shall be exclusively governed by, and construed in all respects in accordance with the laws of The Netherlands without regard to its conflict of laws rules. Any claims, controversies or disputes arising out of or in connection with the Agreement that cannot be settled amicably between the Parties, shall be subject to the exclusive jurisdiction of the competent court of Rotterdam, The Netherlands.


On the 1st April 2020 the CCJS hosts a major event on imprisonment in Britain. This will be exactly 30 years since the first day of the Strangeways protests. Lasting 25 days and spreading across several prisons, Strangeways remains the largest prison protest in England and Wales. Thirty years on, the dysfunctions and problems of the prison system that gave rise to the protests remain as pressing as ever. This is a significant moment to bring together activists, academics, organisations and concerned communities who have been involved in political struggles about the use of imprisonment in the last 30 years.


Forced Family Breakdown
Publication Date: June 2007
Reprinted from TomPaine.com
As the Senate looks to broker a compromise with the president on immigration reform, our leaders should pay attention to the consequences for children in immigrant families. Their needs have gotten short shrift in the bill recently put forth by Senate negotiators. In a bill born of numerous compromises and trade-offs, the interests of families have lost out.
Millions of America’s children—more than one in five—live in immigrant families. Most of these children are U.S. citizens, and it is in the interests of all Americans that they grow up to become healthy and productive members of society. Strong, stable families can provide a crucial source of support to children in immigrant families as they face hardship.
Yet our policies and practices often pull immigrant families apart. A long backlog in family visas, among other factors, leads to separations between husbands and wives and between parents and children that can last several years and more. Being separated from a parent can be extremely hard on children. And family separations also put enormous stress on parents, making it more difficult for them to care for their children and keep their marriages intact.
Another risk for children in immigrant families is the likelihood of growing up with inadequate financial resources. Even though virtually all children of immigrants have parents who work, half of them live in low-income families. Their parents are disproportionately likely to work for low wages in jobs without health insurance or other employer benefits. Like millions of other low-wage workers in this country, they work hard but still struggle to afford even the most basic necessities.
Immigrant workers have limited access to the benefits that assist low-wage workers and their families. In contrast to stereotypes, immigrants receive fewer government benefits—and fewer health services—than native-born Americans. Policies and practices restrict immigrants’ eligibility for programs and increase their fear of interacting with government officials. Fear of authorities also makes immigrant workers more vulnerable to exploitation by their employers, as they are unlikely to organize or report abuses. And when employers can exploit immigrants without repercussion, it makes it much more difficult for all workers to defend their rights.
Perhaps most at risk are children with undocumented immigrant parents. There are close to five million children in this country with parents who lack legal status. Their parents prepare our food, clean our homes and take care of our children. They pay taxes—including payroll taxes for Social Security and Medicare, and sales taxes. And recent research confirms that both documented and undocumented immigrants are overwhelmingly law abiding. Nonetheless, they are reluctant to access even the most basic government protections and services for themselves and their children.
Regrettably, many of the immigration provisions currently under discussion threaten to exacerbate the risks faced by children with foreign-born parents, rather than address them. Family separations will only increase, for example, if Congress approves sharp cuts in family immigration visas. A lengthy and expensive legalization process for undocumented immigrants—in which applicants must return to their countries of origin, forfeit all Social Security contributions they have made and pay hefty penalty fees, among other requirements—threatens both the stability and economic security of immigrant families.
The economic contributions of immigrants are becoming even more critical as the baby boomers retire. Without immigration, America would soon face a shrinking workforce, unable to support a rising number of retirees. If the children of today’s immigrants are to become productive workers in the future, we need to focus on their health and development now.
Any comprehensive immigration reform effort will have to address a wide range of concerns. Prominent among them should be promoting strong families who are able to support and provide for their children. Immigration reform should include measures to:
- Provide undocumented immigrants with a realistic path to citizenship.
- Promote timely family reunification and take other steps to avoid separations between family members.
- Ensure low-income immigrant families access to public health insurance and other benefits designed to assist low-wage workers and their families.
- Empower immigrant workers to report employment violations and other abuses without fear of deportation.
As the immigration debate continues, the impact of proposed policies on immigrant families and children should be a primary concern. Twenty percent of this country’s children—our leaders and workers of tomorrow—have foreign-born parents. Most of these children are American citizens, born and raised in this country. The future of our nation depends in part on the future we provide for them.


Numerous categories of experience are encompassed within Baddley, Mauro & Yates’ business litigation practice, including:
- Automobile distribution
- Business torts
- Class actions
- Commercial fraud
- Consumer financial services
- Contract disputes
- Shareholder and corporate governance
- Director and officer liability
- Lender liability
- Trade secrets
The firm has represented clients in high-stakes litigation between corporate entities, and has served as lead counsel in large shareholder actions, as well as class actions. Because many business disputes require resolution before arbitral forums, the firm has experience representing clients before arbitration panels administered by AAA, JAMS, National Arbitration Forum, and the National Association of Securities Dealers, and is familiar with the rules and procedures unique to each.
Our lawyers’ work and perseverance leads to exceptional results for our clients, including creative solutions to legal problems through strategies designed to meet and exceed client objectives. We deliver personalized attention from the start to finish of your case because your satisfaction is important.
CORPORATE GOVERNANCE AND SHAREHOLDER LITIGATION
Baddley, Mauro & Yates has extensive experience in shareholder derivative litigation, representing shareholders of both public and closely-held corporations challenging corporate malfeasance committed by officers and directors. The firm regularly litigates claims resulting from gross mismanagement, corporate control issues, mergers, shareholder oppression, shareholder appraisal rights, contract disputes, employment agreements, and insurance coverage disputes. We also represent partnerships, partners, and sole proprietors in similar types of litigation, as well as dissolution.
Baddley, Mauro & Yates has experience in the areas of securities, shareholder, class action, and complex financial litigation. Our firm has successfully litigated securities matters in state and federal courts, as well as in arbitrations before FINRA, AAA, and the NASD.
We have experience representing individuals in securities-related claims, as well as representing registered broker representatives. The firm has recently represented a registered representative in Florida regarding agent complaints by the broker/dealer in an arbitration with claims in excess of $2 million.
In the retail brokerage area, our firm has represented public customers and registered representatives in litigation and arbitration spanning all areas of securities laws. Such cases not only include actions involving financial brokers, but also include employment claims on behalf of registered brokers.
We specialize in investor claims against brokers and broker dealers who have committed fraud or have otherwise invested a client’s money in an unethical or improper manner. Many cases involve claims where a broker has improperly invested in securities without client authorization or where stocks were purchased or maintained on behalf of a client at a risk level exceeding the risk tolerance agreed to by the client in the brokerage agreement.
Baddley, Mauro & Yates is experienced in representing individual and multi-unit franchisees in litigation in a variety of industries. The firm’s franchise clients range from start-up companies to large, established multi-unit franchises and cover a variety of industries including restaurants, automobile dealers, retail stores, and other commercial and consumer-based service.
Baddley, Mauro & Yates’ franchise litigation experience includes:
- Litigating franchisee claims against franchisor to recover fees and liquidated damages, and remedy franchise terminations;
- Litigating franchise claims, including wrongful termination, breach of franchise agreement obligations, fraud, franchise disclosure violations, violations of state franchise laws, and unfair and deceptive trade practices;
- Representing motor vehicle dealers in civil litigation against competing dealers, as well as manufacturers, under state motor vehicle dealer statutes.
Our firm has successfully represented dealers in claims against manufacturers regarding the allocation of product, violations of area development agreements, and other issues concerning violations of both state and federal dealer franchise laws.
Individual consumers and businesses alike are routinely subjected to unfair or unequal treatment in the financial services industry. As a result, Baddley, Mauro & Yates regularly represents individual and business clients in litigation involving financial service institutions, including national and state banks, credit unions, state and federally chartered mortgage lenders, loan servicers, consumer lenders, automobile lenders, credit card issuers, and insurance companies.
Baddley, Mauro & Yates currently represents a variety of clients in claims asserted as class actions, individual consumer suits, counterclaims to foreclosure actions, and arbitration proceedings.
INSURANCE LITIGATION AND COVERAGE
Our firm has knowledge and experience concerning many types of insurance products, including commercial general liability, directors and officers, professional liability and excess and umbrella. We maintain an active and multi-faceted insurance law practice, handling a wide variety of insurance matters, including direct actions against insurance companies and other coverage matters. Many cases focus on the interpretation of policy clauses and exclusions, layers of coverage, and claims of bad faith on behalf of the insurance company. We have considerable experience bringing suit alleging misrepresentation and other wrongdoing on the part of company agents.
Disputes frequently arise regarding whether a particular event, loss, or circumstance triggers insurance coverage or requires the insurance company to act on your behalf in accordance with the policy. Insurance companies are notorious for treating customers unfairly, which sometimes includes engaging in policy sales and claims-handing practices that are illegal. Such practices may include a failure to properly investigate a claim as to liability and damages; failure to fairly and reasonably evaluate facts of liability; failure to offer settlement within a reasonable time after investigation; misrepresentation of the policy; non-disclosure of information; unwarranted disputes concerning value of loss; and creating excuses to delay payment of policy benefits.
If you have been treated unfairly, or believe your claim has been denied when there should have been coverage, please contact our office for a cost-free evaluation of your claim and to advise you on available remedies.
Baddley, Mauro & Yates has substantial experience litigating both residential and commercial construction defect cases. Our firm focuses on all aspects of construction litigation and construction defects, including expertise regarding attendant insurance coverage issues based upon a general contractor or subcontractor’s defective construction.
We fully recognize that a home typically represents the homeowner’s single most valuable financial investment, as well as an important emotional expenditure. Our firm is knowledgeable in addressing a wide range of construction defect issues including design defects, substandard workmanship, building material failures, geotechnical problems, and related insurance disputes. Our firm has also been involved in litigation regarding defective synthetic stucco and defective Chinese drywall, as well as disputes regarding large scale commercial projects.
Our firm handles a wide range of construction defect issues, including:
- Defective or negligent construction
- Use or installation of defective building materials
- Defective or improper installation of windows
- Defective or improper installation of roofs
- Defective foundations
- Water intrusion
If you own a home or commercial property and suspect your home suffers from faulty or defective construction, we have the experience and expertise to help.
BUSINESS & PARTNERSHIP LITIGATION/DISPUTES
In today’s business environment, disputes over banking, commercial contracts, shareholder matters, and fiduciary obligations are commonplace. The attorneys at Baddley & Mauro have years of trial experience in business litigation, involving a wide variety of business disputes, including contract disputes, fraud and misrepresentation, trade secret misappropriation, and breach of fiduciary duty.
Our cases typically involve multiple adversaries in federal and state courts, and the firm has the experience and resources to deal with complex business litigation disputes.
FIDUCIARY, TRUST & ESTATE LITIGATION
The firm has an active fiduciary litigation practice which focuses upon claims regarding trust mismanagement, as well as breach of fiduciary against individual and corporate trustees.
Clients involved in disputes concerning wills, trusts, fiduciaries, and charitable gifts require sophisticated legal counsel who understand the complex emotional and personal implications for the individuals involved. Baddley, Mauro & Yates has significant experience litigating trust and estate claims on behalf of beneficiaries in both circuit and probate court.
Disputes frequently arise when a fiduciary, often times referred to as a personal representative or trustee, fails to act appropriately in carrying out a loved one’s testamentary intent. Fiduciaries are required to act in good faith with respect to all beneficiaries under the terms of a will or trust, but will often times mismanage assets to the detriment of the beneficiary. Our attorneys have successfully recovered millions in misspent money from executors and trustees for the benefit of our clients.
Our lawyers team with appropriate tax and accounting experts to provide our clients with a full range of advice throughout the litigation process.
DATA BREACH LITIGATION
Data breach litigation has become an emerging area of the law due to the universal practice of businesses storing private customer information in digital form. Businesses are required to adhere to strict federal and state standards, but unfortunately are often unwilling or unable to adequately protect your information. Baddley, Mauro & Yates represents clients in claims to recover for damages resulting from your personal and private data being stolen and/or released to the public.
Data related challenges are increasing in prominence and importance as the number of cyber-attacks continue to rise. The lawyers at Baddley, Mauro & Yates have the expertise to litigate data breach claims. The firm is currently litigating a national class action involving a corporate data breach against a foreign business.
In today’s business environment, the outcome of a contract dispute can impact the survival of a company or business entity, as well an individual’s investment or bargain. Our firm routinely litigates contract disputes in a wide variety of fields, including:
- Supplies and suppliers, including quality of goods and timeliness of delivery
- Franchise disputes
- Shareholder disputes
- Partnerships and LLCs
- Employment matters
- Non-solicitation and non-competition
- Commercial notes
- Bank and brokerage customer
It is not uncommon from two parties to read a contract, and thereby interpret their respective obligations, differently. Contract law requires that one begin with the plain language of the contract and then apply a series of technical rules of construction. Our attorneys are adept in utilizing these rules to the advantage of our clients, and in furtherance of either negotiating resolutions or litigating the matter through trial.
CLASS ACTION LITIGATION
Class actions can take the form of almost any dispute, including consumer fraud, securities fraud, unfair and deceptive trade practices, false advertising claims, employment issues or even boilerplate contract claims. The class action process allows the grouping of hundreds, if not thousands, of individuals whose claims are commonly situated to seek judicial relief. The action is brought by a few individuals who fight for those who have suffered similar injuries. Class action lawsuits have become the great equalizer in litigating against large, well-capitalized corporations, and allow individuals to seek meaningful redress against corporate wrongdoers.
The lawyers at Baddley, Mauro & Yates are experienced in handling class action lawsuits, and prosecute each action with the goal of maximizing the rights of our clients. To contact one of our class action attorneys, contact us at 205-939-0090 or email@example.com for a free consultation.
Baddley, Mauro & Yates maintains an active appellate law practice involving issues of significance to our clients and, often, matters of public policy. The firm has extensive experience in all areas of appellate litigation, from interlocutory issues that arise during the course of litigation to all aspects of post-trial activity.
A case on appeal presents substantially different standards and issues than those presented at the trial level. Our attorneys have extensive experience in prosecuting and responding to appeals following trial judgments, and are skilled in identifying “mistakes of law” and carefully formulating the issues to provide the client with the best opportunity for success.
The firm routinely handles appeals on matters that we originally litigated, and also briefs and argues matters handled at the trial court by other counsel. In such matters, we are able to provide a new and objective perspective to the case.
We have successfully briefed and argued appeals in the appellate courts of the State of Alabama, the U.S. Court of Appeals for the Eleventh Circuit, surrounding Circuit Courts of Appeal, as well as the United States Supreme Court.


Inheritance Tax Service
Having paid tax throughout your life on your income, investments and savings, without effective inheritance tax planning your family and beneficiaries may incur a 40% reduction due to inheritance tax. To illustrate this fact, the HMRC received over £3.4bn in IHT receipts during the year 2013/14 [source: HMRC statistics].
Most forms of IHT planning involve the creation of complex trusts or gifting arrangements, which require the investor to live a further seven years and typically involve the loss of control over the asset and any income derived from it.
Investments in Deepbridge IHT Service qualify for Business Relief (formerly Business Property Relief) and are therefore 100% inheritance tax-free once held for a minimum of two years.
The Deepbridge IHT Service
The Deepbridge IHT Service is a discretionary investment management service that invests in asset-backed renewable energy opportunities that benefit from contractual revenues available under the Renewables Obligation. In doing so, the Service seeks to ensure an enduring focus upon capital preservation. A cost-efficient estate planning component of an investor’s portfolio, the Service can exempt a portion of the Investors estate from IHT, after a two-year holding period.
Designed with you in mind
Whether looking for growth or income from your investment, the Deepbridge IHT Service can work for you:
- The Growth Option: if receiving sufficient income from other sources, investors can maximize protection against inheritance tax by selecting the growth option.
- The Income Option: if sufficient funds are available to invest but investors still require an income from the investment, they can elect to receive an annual target income of 6% per annum.
Maximum tax efficiency
To ensure maximum tax efficiency for the investor, the Deepbridge IHT Service is entirely investor-fee free.
Investors should be aware that investment in smaller unlisted companies (including Business Releif qualifying companies) carries with it a high degree of inherent risk whether or not it is done through a diversified portfolio and regardless of any tax advantages which such an investment might carry and/or any steps taken to attempt to mitigate that risk. Investors should be aware that thier capital is at risk and they may lose all or some of their investment. The stated target return is an indicative figure only and not guaranteed. Please refer to the Deepbridge Life Sciences SEIS Information Memorandum for further information regarding risks.
Information on this webpage relates to and is provided by Deepbridge Advisers Limited.
The content of this webpage should not be construed as financial advice. Any decision to invest should be made only on the basis of the relevant documentation for each investment. Past performance is not necessarily a guide to future performance. The value of an investment may go down as well as up and investors may not get back the full amount invested. Investments in small unquoted companies carry an above-average level of risk. These investments are highly illiquid and as such, there may not be a readily available market to sell such an investment. Deepbridge Capital LLP, Deepbridge Advisers Limited and Enterprise Investment Partners LLP (together "the Sponsors," or "Sponsor) do not provide specific individual advice on the suitability of investments with regard to a potential investor's individual circumstances, risk tolerance or investment objectives and investors should seek independent financial advice if they are in any doubt whether a product is suitable for them.


Fintech Forward Look 2022
Scroll to start.
A summary of the key facts and figures in the fintech industry in 2021.
Investments Q1 2020 v Q1 2021
$46 million v $219 million
Electronic payments transactions 2020-2021 YoY
NGN92.71tn v NGN171.99tn
Q1 and Q3 investments: Fintechs Accounted For
93.09% and 46%
of investments in the Nigerian tech sector
Mobile inter-scheme transfers
Transaction value - NGN5.1tn
Transaction volume - 188.7m
2021 witnessed a lot of regulatory activity across the tech industry, particularly by the CBN and SEC. The regulations provided some clarity on a number of financial activities and updated previously issued regulations.
Nigeria became the FIRST AFRICAN NATION to introduce its official central bank digital currency (CBDC)The launch of the eNaira on 25 October 2021 was met with varying criticism and legal concerns, in particular, fundamental concerns surrounding the power of the CBN to issue the eNaira under its enabling statute.
In 2021, Nigerian regulatory authorities adopted a stringent stance towards the technology sector with a series of warnings, sanctions, court actions and proscriptions of several activities and companies. These clampdowns ranged from the crypto ban to the court order freezing the bank accounts of fintechs and the infamous Twitter ban
The African continent recorded an increase in the number of fintech unicorns and a number of big ticket series funding in 2021. On aggregate, the technology sector raised $590.36 million between Q1 – Q3 2021 signifying the growth potential and profitability in the sector.
2021 was the year of significant and strategic partnerships between fintech companies aimed at expanding the reach of local fintechs across the African continent and worldwide. Payments companies, in particular, Flutterwave and Paystack were at the forefront of companies that entered into partnerships with diverse companies including payment service banks, mobile money operators, and other PSSPs to strengthen their reach across Africa.
Increased participation by telecoms companies in agency banking
While 2021 witnessed an increased participation in agent banking by commercial banks, 2022 is expected to witness increased participation in agent banking by telecommunication companies, in particular by Airtel and MTN which recently obtained relevant PSB and super-agent AIPs.
BNPL continues to be a small but growing segment of the financial services in Nigeria. According to the Q2 BNPL Survey, it has been reported that the Nigerian BNPL market is expected to grow by 67.4% to reach $341 Million in 2021.
Some of the key players in Nigeria include Carbon, CDcare, PayQart, Credpal. There are however no legislations or guidelines on digital lending or Buy Now Pay Later products in Nigeria.
The African Union in collaboration with Afrexim Bank developed and launched the Pan African Payment Settlement System (the PAPSS). PAPSS seeks to facilitate payments as well as formalize some of the unrecorded cross-border trade between African countries by creating a centralized payment and settlement infrastructure for intra- African trade and commerce payments. The operationalisation of PAPSS is timely with the recent signing of the Africa Continental Free Trade Agreement.
The launch of eNaira in 2021 poses potential competition for mobile money operators (MMOs), who are existing mobile payment services providers in Nigeria. However, MMOs retain the advantage of the agent network, over the eNaira. MMOs deploy wide agent networks wherein mobile wallet users may utilise mobile money agents to convert mobile money to cash.
In 2021, Nigeria became a pioneer of open banking in Africa. Some fintech companies (such as Mono, Okra, etc.) are already taking advantage of the Open Banking Framework to deploy innovative products and collaborate with other participants (including commercial banks and other payment companies) in the ecosystem and we expect this trend to continue.
“Olaniwun Ajayi has exceptional capabilities in advising on investment transactions and the development of new fintech payment product”
“Their experience in emerging technologies is attractive to startups as well as traditional financial institutions operating in the Nigerian Fintech ecosystem.”
Damilola Salawu (Partner)
”He has an indepth understanding of not just the rules and regulations governing the Nigerian payment fintech industry, but also of the business nuances. He understands the need to balance innovation with regulation and is very professional and helpful, he listens attentively and is able to marshal his team to provide the support required”
CHAMBERS AND PARTNERS (2022)
“Damilola is a mentor in the space, applauded for his excellent knowledge of the market”
Ranked in Fintech & Blockchain as ‘Global Leader’ and ‘Recommended Lawyer’
Who’s Who Legal 2021
Damilola Oyebayo (Associate)
“He is a tech-savvy practititioner who writes extensively on the field. He is very conscientious and has an unrivalled understanding of the Fintech industry and its products. He is able to provide not just expert legal advice, but also practical advice that is very well informed by what other companies and competitors are doing”
CHAMBERS AND PARTNERS (2022)
Ranked in Fintech as ‘Global Leader’ and ‘Recommended Lawyer’
Who’s Who Legal 2021
Ranked a Tier 1 practice group by top directories, the Technology, Innovation and FinTech (TIF) practice is a clear leader in the Nigerian legal market. It is led by Damilola Salawu, and the team also comprises, Chidubem Okoye, Osato Addeh, Damilola Oyebayo, Layo Olaiya, Hopewell Nwachukwu, Ebunoluwa Akintola, and Tayo Fabusiwa
We remain committed to providing sophisticated legal advice for the full spectrum of players in the technology market.


To be eligible for a return, your item must be unused, have the tag on and be in the same condition that you received it. It must also be in the original packaging.
To complete your return, we require a receipt or proof of purchase.
REFUNDS (if applicable)
Once your return is received and inspected, we will email you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
If you are approved, your refund will be processed, and a credit will automatically be applied to your credit card or original payment method within a certain amount of days.
– Late or missing refunds (if applicable)
If you haven’t received a refund yet, recheck your bank account.
Then contact your credit card company; it may take some time before your refund is officially posted.
Next, contact your bank. There is often some processing time before a refund is posted.
If you’ve done all of this and you still have not received your refund yet, please get in touch with us at
– Sale items (if applicable)
Only regular priced items may be refunded. Unfortunately, sale items cannot be refunded.
– Exchanges (if applicable)
We only replace items if they are defective or damaged. However, if you need to exchange it for the same item, send us an email with a picture at email@example.com within the 14 days of the purchase.
If returning a product, you should mail your product, please e-mail firstname.lastname@example.org.
You will be responsible for paying for your own shipping costs for returning or exchanging your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.
Depending on where you live, the time it may take for your exchanged product to reach you may vary.
If you order Products from us for delivery to a destination outside IRELAND:
- Your order may be subject to import duties and taxes applied when it reaches the delivery destination. Please note that We have no control over these charges, and We cannot predict their amount. You will be responsible for the payment of any such import duties and taxes. Please get in touch with your local customs office for further information before placing your order. We will not be liable or responsible if you do not pay any such import duties or taxes;
- you must comply with all applicable laws and regulations of the country for which the Products are destined. We will not be liable or responsible if you break any such law. If you return any Products to us from a destination outside IRELAND, please ensure that the return parcel is marked clearly with the wording “Return to supplier” or wording having a similar effect.


Aromat NeGawulo - Unbelievable Flavour
Big Value Competition - Terms and Conditions
1. The Promoter is Unilever South Africa (Pty) Ltd (“the Promoter”) and Tradeway Promotions is the “Promoter Agent”.
2. The Promotional competition is open to all South African Residents who are in possession of a valid identity document, except any employee, director, officer, member, partner, agent, consultant, advertising agencies, advisers, dealers, supplier, affiliates and/or associated companies of the Promoter or any person who controls or is controlled, directly or indirectly, by the Promoter and/or immediate family members of the aforesaid people (hereinafter referred to as “Disqualified Persons”)
3. Any participant under the age of 18 years must be fully assisted by his/her legal guardian at all times, who approves of, and consents to the participant taking part in the competition and the participant’s possession/receipt of the prize.
4. This promotional competition runs from 04 April 2022 to 30 April 2022 (the closing date). Any entries received after the closing date will not be considered.
5. To enter, participants will be required to purchase 2 of the 200 g Aromat canisters at participating retailers, dial the USSD line *120*1074# - sessions charged at 20 cents per 20 seconds, follow the USSD prompts to enter.
6. Consumers will receive an Instant Cash voucher directly from Standard Bank, redeemable at any Standard Bank ATM.
7. All participants submitting entries must have their details entered in all the required fields correctly.
8. Participants will be charged sessions charged at 20 cents per 20 seconds per interaction via USSD.
9. Participants stand a chance to win 1 of 50 R2000 Cash Vouchers.
For the duration of the competition there will be a weekly draw where 10 lucky participants will each win a R2000 cash voucher.
The competition will run from 04 April 2022 to 30 April 2022 (closing date). Winners will be randomly drawn on the following dates:
08 April 2022,
15 April 2022,
22 April 2022,
29 April 2022 and
02 May 2022.
10. Consumers may only enter from one unique cell phone number and can only receive a prize once.
11. Consumers will need to purchase any of the participating Aromat products and dial the USSD prompts to enter.
Knorr Aromat Original Canister 200g
12. By entering the promotional competition, all participants and winners agree to be bound by these rules which will be interpreted by the Promoter, whose decision regarding any dispute will be final and binding. The Promoter reserves the right to amend, modify, change, postpone, suspend or cancel the promotional competition and any prizes (which have not yet been subject to a draw), or any aspect thereof, without notice at any time, for any reason which the Promoter reasonably deem necessary.
13. Entries which are unclear, illegible or contain errors or from disqualified persons will be declared invalid.
14. The winner will be selected by means of a random draw and will be notified telephonically upon which they will be required to verify their details. Potential winners shall be initially notified by the Promoter (or the Promoter’s Agent) via telephone.Thereafter participants must ensure that the Promoters have their correct, updated details. If the winner cannot be contacted after three phone calls within 48 hours, the prize will be forfeited and a redraw will take place. Should this occur the winner shall have no claim against the Promoters.
15. All winners will be required to provide their names, ID numbers and contact details.
16. For verification purposes, all winners must provide valid proof of identity (a green bar-coded ID book, passport or drivers licence) as well as proof of purchase (till slip).
17. Winners have 2 working days (from the time they are contacted) to provide valid contact details in order to claim prize. In the event that their details are not provided within this time frame, a new winner will be drawn.
18. The Promoter is not liable for any defect in the prize. The Promoter reserves the right to substitute prize with any other prize of comparable commercial value or the cash equivalent, as determined by the Promoter.
19. If any taxes, levies, duties or any charges whatsoever are levied on a prize by any competent authority outside of the prize package, the winner will be liable for these and the prize value will not be increased to compensate for such charges.
20. The Promoter reserves the right to use any images taken of the winner for publicity purposes in any manner they deem fit, without any further remuneration being made payable to the winner, and may require the winner to be identified, photographed and published in printed media, or to appear on radio and television, when accepting his/her prize and/or after having received his/her prize. However, the winner has the right to object to these images being used and must formally notify the Promoter, in writing, of such objection, after being informed that he/she is the winner.
21. In the event that the prize/s are/is not available despite the Promoter’s reasonable endeavours to procure the prize, the Promoter reserves the right to substitute prizes of equal value.
22. All participants and the winners, as the case may be, indemnify the Promoter, its advertising agencies, advisers, nominated agents, suppliers, affiliates and/or associated companies against any and all claims of any nature whatsoever arising out of and/or from their participation in any way howsoever in the promotional competition (including, as a result of any act or omission, whether as a result of gross negligence, misrepresentation, misconduct or otherwise on the part of the Promoters and/or use of the prize).
23. The Promoter assumes no liability whatsoever for any entry that has been omitted from participation for any reason whatsoever.
24. The Promoter is not liable for any technical failures affecting the participation and/or prize redemption process of the promotional competition.
25. Neither the Promoter nor employee, director, officer, member, partner, agent, consultant, advertising agencies, advisers, dealers, supplier, affiliates and/or associated companies of the Promoter shall be liable for any loss or damage, whether direct, indirect, consequential or otherwise arising from any cause whatsoever, which may be suffered by the participant.
26. The Promoter will require the winners to complete and submit an information disclosure agreement and indemnification document to enable the Promoter to ensure compliance with these rules and the Consumer Protection Act 68 of 2008. Should any winner refuse or be unable to comply with this rule for any reason, such winner will be deemed to have rejected the prize and it shall revert back to the Promoter to select another winner.
27. The judges’ decision is final and no correspondence will be entered into.


Rent a car Standard Terms and Conditions
The following is a quick overview of the general terms and conditions that we include in our contract, which will be explained to you in more detail by your sales agent.
• All our vehicles are comprehensively insured –driver, passenger and third party liability coverage is provided. It is your responsibility to ensure that you conduct a thorough inspection of the vehicle prior to check-out and to ensure that all pre-existing damages are recorded on the vehicle check report (“VCR”)
• Your liability will be limited to the insurance excess stated in your contract in case of an accident that is your fault, in which case a report may be provided by the police. Your liability will also be limited to the insurance excess stated in your contract if the accident is a "Hit and Run" where the third party is not identified, even if you are given a report. All insurance and damage claims will require a police report in order to be processed
• Damage caused to our vehicle for which a third-party is not identified, for which a police report has not been produced or which results in the insurance claim being denied will be charged in accordance with the Carlease Damage Rate Card, which is available for viewing. Repairs done by third-party garages and mechanics and not done by MTCOS will not be acceptable
• You have the option to reduce the liability by purchasing CDW (Collision Damage Waiver) at an extra cost, at the time of completing your agreement.Note that, as is common practice in the industry in this region, tire, wheel and rim damage is not included as part of the insurance coverage.
• Smoking in our vehicles is strictly prohibited as it damages our vehicles and is a safety hazard while driving. Smoking in our vehicles may result in a charge of up to INR1000, determination of which will be at the sole discretion of the MTCOS staff member checking-in the vehicle.
• Off-roading, rallying, racing or ‘drifting’ in our vehicles is strictly prohibited. Damages caused by such activities will not be covered by insurance and will be borne by you in full.
• Driving through standing water should be avoided at all times as this can cause major damage to the engine. Such damage will not be covered by insurance and will be borne by you in full.
• Pets may be allowed in our vehicles, however, cleaning and damage penalties will be charged, without exceptions.
Maintenance and Replacement vehicle:
• If servicing or maintenance is necessary for your vehicle, it will primarily be your responsibility to cooperate with our servicing and operations department and, where relevant, bring the vehicle for service and maintenance.
• If necessary, you can contact our operations department 24 hours in advance to make suitable arrangements for a service booking. This can be done on our website; web bookings will receive priority service.
• We will provide a replacement vehicle during maintenance and accident repairs. In case of an accident, a replacement will be provided after the original police report is handed over to us and any liability amounts have been paid. The replacement vehicle will be from our replacement fleet and will be a similar vehicle but not necessarily the same make and model
• Our offer is based on a maximum use based on the number of kilometres stated in your contract (typically 200KM per day for daily rentals, 1400KM per week for weekly rentals and 4000KM per month for monthly rentals). Additional usage will be charged Salik (Toll Charge) and Traffic Fines:
• Traffic fine charges will be the actual fine, plus INR500. We will inform you as soon as we get a notification from the concerned authorities.
• You will be required to pay these amount immediately upon notification.
• All drivers must be a minimum of 18 years of age but exceptions can be made for long term leases on a case-by-case basis, pending insurance approval and licensing requirements.
• Drivers must not be under the influence of alcohol or drugs while operating the vehicle.
• Non-compliance with the above will not be acceptable to the insurance company and no claims will be honoured – you will be fully liable for any damage, fines and charges
Our rental and security deposit invoice will be issued in advance of the term of the rental (i.e. a prepayment) and must be settled in full prior to the rental
• Payment will be taken in advance for vehicles that are in-stock (i.e. a part of our existing fleet)
• We will charge a deposit of INR5000, which will be refundable upon return of the car (“vehicle check-in”). This amount will be refunded after 20 working days from the date of return to take care of any traffic fines , damages etc. This will be a charged amount. We do not charge our customers the credit card usage / terminal fee charged by our financial institution, as compensation for this charge.
• Payment can be made by Cash, cheque, bank transfer, or any other method mutually agreed between you and MTCOS, in writing
• All rental periods are calculated on a 24-hour basis. For example, a one- day rental starting at 9am must be returned by 9am the following day. Any delay – for example, if the car is returned at 5pm the following day – will result in an extra day being charged
• Your early termination penalty will be stated in your contract and will not be negotiable.
• Long term lease customers have the option to avoid your early termination penalty by contacting MTCOS ontime which will allow you to terminate a long term contract with no early termination penalty
Cars may be delivered or picked-up from your location for a fee, subject to availability. We can often arrange for you to be picked up from a nearby station, free of charge
• Passport copy, Aadhar card copy and the driving license of the user
• Copy of your Credit Card
• Proof of Residential Address
• Completed Customer Profile Form.
• All customers must present their original documents when picking up their car.
• booking can be made up to 2 days before the Pick-up date.
• 1 day rental will be charged for all no-show customers and customers who cancel


If you were injured while at work, you may be able to file a claim to the Workers’ Compensation Board (WCB)*.
In order to file a successful claim you must:
- Report your injury to your employer and ensure that your employer submits a Report of Accident to WCB.
- Complete a Worker’s Report of Accident and submit it to WCB
- See your physician (or company physician), inform him/her that you were injured at work and then he/she will complete a report and submit it to WCB
- See your Physiotherapist for an initial assessment of your injuries (which is covered by WCB). Your physiotherapist will submit an assessment report to WCB.
Once your claim has been approved, your WCB Adjudicator/Case Manager will typically authorize physiotherapy for a certain number of visits or certain period of time based on your injury. You are required to attend regular physiotherapy treatments as directed by your physiotherapist.
*If you were hurt at work out of province, please inform us at the time of your booking in which province the injury took place. Your claim must then be filed with the appropriate provincial injury board. eg. WorkSafeBC


Are your websites and mobile apps ADA Compliant?
Partner with us to make your digital platforms accessible for people of all abilities.
Our services, when combined, provide a unique set of solutions to solve challenges for businesses in different industries, including education, healthcare, and e-commerce.
Website & Mobile App Audits
We manually audit your websites and mobile apps for WCAG 2.1 AA compliance.
We offer different levels of monthly support as part of our ADA compliance subscription services.
We provide ongoing compliance services to ensure your digital platforms meet WCAG 2.0 and 2.1 A/AA guidelines.
Captioning & Transcription
We can assist you in writing customized scripts that give people with disabilities access to applications that were otherwise inaccessible.
Legal Compliance Consulting
We will work with your team to determine the accessibility needs of your digital platforms.
Letter of Reasonable Accessibility
Get a free assessment of your digital platforms to determine what to improve to become ADA compliant.
We help businesses across different industries resolve their accessibility challenges by providing the right set of services that can meet their business needs and the needs of their customers.
eCommerce / Retail
Retailers must provide accommodations for shoppers with disabilities. We offer ADA website and mobile app audit services for e-Commerce and retail businesses, including Shopify merchants.Learn More about eCommerce / Retail
We work with educational institutions to update their systems to help them be accessible to students of all abilities.Learn More about Education
The convenience of managing our finances online also means financial institutions need their technology to meet accessibility compliance. We want to help people of all abilities enjoy this convenience.Learn More about Financial Services
We work with healthcare service providers to update and maintain their digital platforms so patients with disabilities are able to review insurance claims, access health records, make appointments and more.Learn More about Healthcare
Hospitality / Travel
We’re here to support the efforts of businesses in the hospitality and travel industry to update and maintain the accessibility of their websites and mobile apps for their customers.Learn More about Hospitality / Travel
We’re proud to be an invaluable partner for the public sector and its vendors.Learn More about Public Sector
If you offer software as a service, we’d love to work with you to ensure your software is accessibility compliant.Learn More about Technology
Proposed Bill Signals Potential Watershed Developm...
On September 29, 2022, Senator Tammy Duckworth and Representative John Sarbanes introduced the Websites and Software Applications Accessibility Act (“the Act”), a bill designed to ensure that websites and software apps are accessible to people with disabilities. The Act is meant to e...
First Circuit Gives Green Light to ADA Suits Again...
On October 5, 2022, in Laufer v. Acheson Hotels LLC, the U.S Court of Appeals for the 1st Circuit reversed a lower court’s dismissal of a suit against Acheson Hotels, LLC, which operates an inn on Maine’s southern coast.In her complaint, the plaintiff alleges that when she visited ...
ADA Claims Continue to Snag Online Merchants
Title III of the American Disabilities Act, 42 USC §§ 12181 – 12189 (ADA), generally prohibits discrimination on the basis of an individual's disability in a place of "public accommodation." Initially after the ADA's enactment in 1990, lawsuits typically related to physical ...
Website Accessibility Problems Create Legal Peril ...
The number of U.S. web accessibility lawsuits grows 15% in 2021, reaching more than 10 such cases filed every day.New research shows the ways lackluster—or nonexistent—accessibility features on retailer websites continue to make retaile...
We need to ditch overlay tools in creating truly a...
Recently there was a backlash within the web development community against the Paralympics 2020 #wethe15 campaign when their website was found to have several basic accessibility issues, including missing alt tags. While some of...
Website Accessibility Closely Tied To Loss of Reve...
Believe it or not, the moment you launched your new website approximately one billion people couldn’t easily navigate it. Over the past three years, WebAIM conducted an accessibility evalu...


UK startups and scale-ups considering US expansion often ask us about using and protecting their brand in the States
Certain questions arise consistently, so for easy reference we’ve prepared the FAQ below. Of course, check with your US advisors to confirm the right approach for your business.
1. US Trademarks: What’s the bottom line?
Before launching in the US you should strongly consider:
- conducting a clearance search to determine whether anyone else already has applied for, registered, or is using a mark in the US that could block your company’s use of its mark, and
- filing a US trademark application if the clearance search results are favorable.
2. Do I need to bother?
It depends on how important your brand is to your US business plans and your company’s tolerance for potential US litigation risk.
If you’ve built or hope to build US brand recognition – such that it would create a hardship to have to rebrand if you can’t use your mark in the US – you’ll want to ensure you’ve properly addressed US trademark matters.
US trademark applications are optional, but they can provide a strategic advantage — particularly if you don’t intend to launch in the US for a considerable period of time but still want to lock up rights to a name.
Also, failure to properly confirm in advance that you can use a brand increases the risk your company may unknowingly infringe a third party’s trademark rights, and litigation and litigation threats tend to be more common in the US than in the UK.
3. Does my UK or European Community trademark registration cover the US?
No. Trademarks are generally country-specific; e.g. a UK registration provides protection only in the UK.
However, UK or European trademark filings sometimes can be helpful for establishing rights through subsequent trademark filings in the US, particularly if the subsequent US filings come shortly afterwards.
4. I searched the US Patent and Trademark Office (USPTO) online database and there seem to be no filings for my company’s mark – are we good to go?
Not necessarily. Here are two reasons why not:
- Unregistered marks. A search of the USPTO database won’t identify unregistered marks that nonetheless may pose a problem. A US trademark registration offers useful benefits, but a company can develop protectable rights in a mark simply by using it in the US. That company potentially can block later users of identical or similar marks even without a trademark registration if there is a “likelihood of confusion” (more on this concept below).
- Similar marks. An online search of the USPTO database also won’t necessarily identify marks that aren’t identical to yours but are sufficiently similar to potentially block you. For example, searching the USPTO database won’t turn up a registration for soda in the US under the KOKA KOLA brand. However, a large Atlanta-based company likely would want to have a word with anyone executing on that plan.
5. I searched the USPTO online database and lots of companies have filed for my company’s mark – am I out of luck?
Not necessarily (again!).
Multiple companies can own rights in the same mark in the US if the various uses do not create a “likelihood of confusion” among the relevant customers. For example, the companies behind DELTA airlines, DELTA petrol, and DELTA faucets are all unrelated. However, whether a “likelihood of confusion” exists is not always a straightforward question; US courts consider many different factors when evaluating “likelihood of confusion” in US trademark disputes.
6. Do I have to have a US company to apply for a US trademark registration?
No. In fact, for tax reasons, it’s often more desirable for a non-US company to own a US trademark registration.
7. Does my company need to be doing business in the US to apply for a US trademark registration?
No, although eventually, your company needs to use the mark in the US (or be a US company using the mark cross-border) to register the mark.
8. Does using my mark on my company’s website count as using a brand in the US?
Potentially yes, if your company’s services are being provided to US customers or users, and your company is using the mark on its website to identify the source of the services. If your company makes physical goods, typically the mark must be shown on the goods or product packaging. Use of the mark solely as a domain name is insufficient to establish trademark rights.
9. Do I need a trademark lawyer?
Although technically any individual can file a US trademark application, clearing a trademark for use in the US and obtaining a US trademark registration are nuanced processes. Working with a US trademark lawyer will virtually always save you money and time; be sure to get a quote in advance, of course.
10. Realistically, what are the risks?
The practical risks of not properly addressing US trademarks include:
- US trademark disputes. A common worst-case scenario is that someone already has US rights in your company’s mark and you start trading anyway. Trademark claims are more common in the US than the UK; the US is more litigious generally and you’ll have to bear your own costs in litigation (which creates pressure to settle on potentially unfavorable terms). You don’t want to find yourself on the wrong end of an expensive and time-consuming US trademark claim if you could have readily avoided it with an understanding of the complete picture. This isn’t a theoretical risk – in our experience, trademark claims are the second-most common type of dispute initially encountered by non-US startups in the States (anecdotally, employment claims are the most common).
- Inability to use your brand in the US. The landscape may be clear now, but without using your brand in the States or filing a US trademark application, there’s little stopping someone else from obtaining US rights in your brand before you do.
- Wasting time and money. You spend time and money filing your own trademark application and the USPTO rejects it for avoidable reasons.
Post produced in partnership with Daniel Glazer, Aaron Hendelman, and John Slafsky at Wilson Sonsini Goodrich & Rosati.
Dan can be reached at email@example.com, Aaron at firstname.lastname@example.org, and John at email@example.com. This post does not constitute legal advice and should not be relied upon for business or legal decisions.


The complainant claimed that Apple failed to notify customers in advance that it would slow iPhones.
In order to stop older iPhones with deteriorating batteries from shutting down unexpectedly, Apple acknowledged that it had updated certain devices back in 2017. Five years have passed since that time, but Apple is still coping with the fallout. According to The Guardian, a consumer rights advocate named Justin Gutmann has filed a lawsuit against the tech giant at the UK’s Competition Appeals Tribunal. Gutmann claimed that Apple intentionally throttled consumers’ phones without telling them beforehand and that the corporation didn’t provide them the chance to turn off the setting.
The iPhone 6, 6 Plus, 6S, 6S Plus, SE, 7, 7 Plus, 8, 8 Plus, and iPhone X devices are all included in the complaint. Remember that the company first issued the update that purposefully slows down devices for the iPhone 6, 6s, and SE before extending the feature’s availability to new devices. According to Guttman’s complaint, Apple added the slowing feature to cover up the fact that out-of-date batteries couldn’t handle new OS updates. Apple misled individuals by hiding a tool in software updates that slowed their smartphones by up to 58 %, Guttman claimed, “instead of doing the honorable and lawful thing by their customers and offering a free [battery] replacement, repair service, or compensation.”
If Guttman prevails, Apple would be forced to reimburse more than 25 million UK customers who bought the harmed phones for up to £750 million in damages. The business was previously hit with a €10 million fine in Italy for failing to give consumers the knowledge they needed for battery maintenance and replacement. Additionally, it consented to pay up to $500 million to resolve one of the US lawsuits it was involved in to the iPhone delay in 2020. Each participant in the settlement received up to $25.
Apple provided the following statement to The Guardian:
“We have never—and will never—do anything to purposefully reduce the lifespan of any Apple product or harm the user experience in an effort to encourage customers to upgrade. Making iPhones endure as long as feasible is a key component of our ongoing effort to produce goods that people enjoy.”