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Tuesday, 06 April 2010 04:42

Debt Solutions!

Published in Banking and Finance

At the beginning of the month a multi-vehicle accident occurred in Lassen County when a drunk driver hit an oncoming truck in a head-on collision. The drunk driver was in an SUV when he failed to see that a pickup truck was driving in the lane next to him going the opposite direction. The 55-year old drunk driver of the SUV swerved into the wrong lane and hit the truck head-on. The truck was being driven by a 93-year old woman.

Unable to gain control of the truck after being hit, the woman driving the truck spun across several lanes of traffic and hit an oncoming van. The van was being driven by a 74-year old Ravendale resident. Apparently the truck was carrying a 55-gallon drum of scrap metal which flew out of the truck bed and landed onto yet another vehicle being driven by a man from Susanville. The truck being with the 93-year old woman finally came to a stop when it got stuck in a large pile of rocks. Because of the angle at which the truck hit the van, the 77-year old woman driving the van was actually trapped inside for a time until police and rescuers could extract her from the vehicle.

Thankfully no one was killed in this horrific accident, but three of those who were involved were injured. This accident involving four different vehicles was caused by a single drunk driver who was unable to stay in his own lane on the road. His vision, judgment, and directional perception were all impaired due to the presence of alcohol in his system. He has now been arrested for felony driving under the influence of alcohol. He is currently being held in the Lassen County Jail.

It is thanks to the anti-drunk driving laws and sanctions put in place by the state of California that the number of drunk driving accidents has decreased each year over the last decade. In fact, the number of drunk driving accidents has decreased all over the country as many states have adopted the drunk driving laws which California has utilized for ten or more years. An example of one of these laws is that new drivers and drivers that are renewing their licenses are required to sign a written, an anti-drunk driving acknowledgment at the DMV. The acknowledgment states that if they cause a fatal automobile accident because of driving under the influence, they can and will be held accountable in a court of law for the deaths that occur. Several other states have also adopted or are in the process of adopting this written acknowledgment as well.

If you have been injured or if a loved one has been killed in a drunk driving accident in the state of California, call a personal injury attorney to discuss your rights and the rights of your deceased relative. California personal injury attorneys handle injury and wrongful death claims resultant of drunk driving accidents on regular basis and can help you receive the compensation you deserve for your loss.

Joel McLaughlin
Learn more info about Los Angeles personal injury lawyers here.

Article by Dataflurry Law Firm Marketing

Published in Auto-Lemon Law
Tuesday, 06 April 2010 04:15

Minnesota Personal Injury - Car Accidents

"What are "no-fault benefits"?

"No-fault benefits" are also often referred to as "Personal Injury Protection benefits or "PIP Benefits" for short. No Fault or PIP benefits refers to insurance coverage provided by your own automobile insurance policy regardless of who was at fault in the automobile accident. In other words, simply because the other driver was at fault does not mean that your insurance will not pay you for your injuries. In fact, the opposite is true. No fault benefits may include compensation for wage loss, medical expenses, mileage and replacement vehicle. Under Minnesota law, all motor vehicle owners must have no-fault coverage as part of their automobile insurance coverage. No Fault insurances is also called first-party coverage. This means that if you are injured in a car accident, it is your insurance that pays the no fault compensation rather than the insurance of the party at fault or even the insurance of the vehicle in which you were riding. Essentially, no fault coverage applies to the insured person, not the vehicle.

How much coverage is necessary? Minnesota requires automobile owners to carry a minimum no-fault policy that pays $20,000 for medical coverage for any individual and $20,000 for all other losses including any income loss, replacement services and other economic losses. The requirement for insurance is set out in Minnesota Statutes

Published in Accident Law
Tuesday, 06 April 2010 04:58

Data Protection

Why is it important for your organisation to comply with the Data protection Act?

The Data Protection Act 1998 ("DPA"), lays down eight data protection principles that any organisation processing data of individuals must comply with.

What does the DPA cover?

The DPA came into force on 1 March 2000. The DPA implemented the European Union ("EU") Directive on data protection into UK law introducing radical changes to the way in which personal data regarding identifiable living individuals can be used. The constant need for businesses to process personal data means that the DPA impacts upon most organisations, irrespective of size. Furthermore, the public's growing awareness of their right to privacy means that data protection will remain an important issue.

The DPA makes a distinction between personal data and personal sensitive data. Personal data includes personal data relating to employees, customers, business contacts and suppliers. Sensitive data covers an individual's ethnic origin, medical conditions, sexual orientation and eligibility to work in the UK . The data protection principles set out the standards which an organisation must meet when processing personal data. These principles apply to the processing of all personal data, whether those data are processed automatically or stored in structured manual files.

What is data?

Data means information which is processed by computer or other automatic equipment, including word processors, databases and spreadsheet files, or information which is recorded on paper with the intention of being processed later by computer; or information which is recorded as part of a manual filing system, where the files are structured according to the names of individuals or other characteristics, such as payroll number, and where the files have sufficient internal structure so that specific information about a particular individual can be found easily.

What are the eight data protection principles?

The eight data protection principles are as follows:

Personal data must be processed fairly and lawfully

Personal data must be obtained only for specified and lawful purposes and must not be processed further in any manner incompatible with those purposes

Personal data must be adequate, relevant and not excessive in relation to the purposes for which they were collected

Personal data must be accurate and, where necessary, kept up to date

Personal data must not be kept longer than is necessary for the purposes for which they were collected

Personal data must be processed in accordance with the rights of data subjects

Personal data must be kept secure against unauthorised or unlawful processing and against accidental loss, destruction or damage

Personal data must not be transferred to countries outside the European

Economic Area unless the country of destination provides an adequate level of data protection for those data.

What data comprises personal data?

Personal data relates to data of living individuals who can be identified from those data, or from those data and other information which is in the possession of the data controller or which is likely to come into its possession for example, names, addresses and home telephone numbers of employees.

What data comprises sensitive data?

Personal Sensitive data ("sensitive data ") consist of information relating to a data subject's (individuals):

racial or ethnic origin;

political opinions;

religious beliefs or other similar beliefs;

trade union membership;

physical or mental health or condition;

sexual orientation;

commission or alleged commission of any offences; convictions or criminal proceedings involving the data subject.

convictions or criminal proceedings involving the data subject.

What is the meaning of processing under the DPA?

The definition of 'processing' is very broad. It covers any operation carried out on the data and includes, obtaining or recording data, the retrieval, consultation or use of data, the disclosure or otherwise making available of data.

Who is a data controller?

A 'data controller' is any person who (alone or jointly with others) decides the purposes for which, and the manner in which, the personal data are processed. The data controller will therefore be the legal entity which exercises ultimate control over the personal data. Individual managers or employees are not data controllers.

The data controller is responsible for:

Personal data about identifiable living individuals

Deciding how and why personal data are processed

Information handling - complying with the eight data protection principles

Acquiring "data subjects" consent for processing sensitive data

Existing procedures for handling sensitive or personal data

Security measures to safeguard personal data


Who is a data processor?

A 'data processor' is a person or organisation who processes the data on behalf of the data controller, but who is not an employee of the data controller.

Who is a data subject?

A 'data subject' is any living individual who is the subject of personal data. There are no age restrictions on who qualifies as a data subject, but the definition does not extend to individuals who are deceased.

Are we required to notify? What does notification mean?

An organisation must not process any personal data unless it has first notified the Information Commissioner of certain particulars, including:

the organisation's name and address;

the purposes for which the data are to be processed;

any proposed recipients of the data;

countries outside the European Economic Area to which the data may be disclosed.

What is the meaning of a subject access?

This is a request by an individual to be granted access to, and be provided with a copy of, any personal data which an organisation holds about him or her. This includes the right to be provided with information about the purposes for which the organisation processes those personal data, the source of the data, the identity of any person to whom the data have been disclosed and the logic behind any automated decision making processes. A subject access request is a request to be granted access to, certain personal data which an organisation holds about an individual. This includes the right to be provided with information about:

the purposes for which the organisation processes those personal data the source of the data, the identity of any person to whom the data have been disclosed; and the logic behind any automated decision making processes preventing processing which is likely to cause the data subject damage or distress preventing processing which is taking place for the purposes of direct marketing objecting to automated decisions being taken about him or her (i.e. decisions which do not have any human involvement); Claiming compensation for any 'damage' or 'damage and distress' which is caused to the data subject (or another person) as a result of the Company's breach of the DPA. What is a data subject entitled to, if he or she makes a successful claim for compensation?

A data subject is entitled to compensation and has the right to:

prevent processing which is likely to cause the data subject damage or distress;

prevent processing which is taking place for the purposes of direct marketing;

object to automated decisions being taken about him or her (i.e. decisions which do not have any human involvement);

claim compensation for any damage or damage and distress which is caused to the data subject (or another person) as a result of a company's breach of the Act; and

request the Information Commissioner to make an assessment of the way the Company processes personal data relating to the data subject.

What can your organisation be prosecuted for?

As a data controller you can also be prosecuted for offences such as:

Notification offences - several offences may be committed in respect of data controllers' obligations to register and maintain such registration Unlawful obtaining or disclosing of personal data - it is a criminal offence to knowingly or recklessly (without the consent of the data controller) obtain or disclose personal data Enforced subject access - the Act prohibits enforced subject access; it is a criminal offence to require any data subject to request subject access in connection with recruitment, employment or provision of services Information notices - it is a criminal offence to fail to comply with an information notice issued by the Information Commissioner Enforcement notices - it is a criminal offence to fail to comply with an enforcement notice. The enforcement notice may require the data controller to stop processing: (i) any personal data; or (ii) personal data of the type specified in the notice.

What recent cases on Data Protection?

On our main website www.rtcoopers.com, we have a number of data Protection legal updates and articles.

Employment Practices Data Protection Code - Workplace Monitoring, August 2005

Abuse of Process - Damage, August 2005

New Interpretation of the Data Protection Act, August 2005

New Global Anti-Spamming Agreement, July 2004 We will endeavour to keep the case law of data protection law updated regularly.

Data Protection Articles

If you visit our website, you can down load articles on data protection.

Data Protection Books

You can obtain books online from Amazon.com and Blackwell on data protection. There are bookshops such as Hammonds.

What is the Meaning of Processing of Data?

This wide definition of 'processing' includes collecting and disclosing personal data. This means that a data controller should only collect or discloses personal data if it can justify that collection or disclosure under one of the conditions listed above.

There are four golden rules to enable processing to be fair and lawful under the DPA:

Rule 1

These conditions are broad enough to cover most business processing activities. The most useful conditions are set out below

A data controller must find a lawful justification to process personal data under Schedule 2 of the DPA.

Finding a lawful justification - The DPA prohibits any processing of personal data unless a company can justify such processing under one of the conditions set out in Schedule 2 of the DPA.

The Company may process personal data where: the data subject has consented to the processing;

it is necessary for a company to process personal data for the purpose of entering into, or performing, a contract with the data subject;

the processing is necessary to enable a company to comply with a legal obligation (other than an obligation imposed by a contract);

the processing is necessary to ensure that a company complies with a statutory duty (i.e. a duty imposed by legislation);

or the processing is necessary in the legitimate interests of a company, provided the rights and freedom of data subjects are not prejudiced as a result

Rule 2

If the data controller is processing sensitive data the data controller must find a lawful justification under both Schedules 2 and 3 of the DPA.

Processing sensitive personal data - If the Company processes sensitive personal data, then it must have a justification under Schedule 2 (see above), and must also find a lawful justification under Schedule 3 of the DPA (see opposite)

A company may process sensitive data where:

the data subject has given his or her explicit consent to the processing; the processing is necessary to exercise or perform any legal right or obligation which is conferred or imposed upon the Company by law in connection with employment;

the processing is necessary to protect the vital interests of the data subject or another person the information has been made public as a result of steps deliberately taken by the data subject;

the processing is necessary for legal purposes including taking legal advice and establishing, exercising or defending legal rights; or the processing is of information relating to the data subject's racial or ethnic origin, religious beliefs or other similar beliefs, or physical or mental health or condition, and is carried out for the purposes of monitoring equality of opportunity.

Rule 3

Where personal data are collected directly from the data subject, the data controller must serve a data protection notice on the data subject before the data are obtained or at the time of collection

Giving the data protection notice - Where information is obtained directly from the data subject, the Company must ensure that, so far as practicable, the data subject is provided with, or has made readily available to him, a data protection notice. This notice should be provided before any information is obtained. The data protection notice should describe:

the identity of the data controller;

the purposes for which the data are to be processed; and any further information necessary in the circumstances to ensure the processing is fair. For example, this will include a description of any third party recipients to whom the Company intends to disclose personal data and the purposes for their processing

Rule 4

Where the personal data have been obtained from a third party, the data controller must serve a data protection notice when data are first processed by the controller.

What are the Security Obligations under the Data Protection Act? The DPA imposes stringent security obligations on data controllers. The Company is obliged to take appropriate measures to safeguard against the unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. A company must also ensure the reliability of staff who, have access to personal data and ensure that they are made aware of the requirements of the DPA.

What are the obligations where data processors are used? The DPA requires a company to ensure that all external data processors provide an appropriate level of security when processing personal data on the company's behalf.

What are the Marketing Rules

Data subjects have the right to object to the processing of their personal data for the purposes of direct marketing. They can do this either by notifying a company or by registering with one of the opt-out services run by the Direct Marketing Association. These opt-out services enable the individual to opt out of being contacted by mail, telephone, email or fax for direct marketing purposes.

What is the Privacy and Electronic Communications (EC Directive) Regulations 2003?

("Regulations") came into effect late 2003 and it imposes constraints on the use of e-mails, SMS marketing and Website cookies. Rule 1

Applies to all marketing messages sent by email regardless of who the recipient is The sender must not conceal their identity; and The sender must provide a valid address for opt-out requests

There are certain exemptions that apply to the Regulations. The Regulations also deal with the use of cookies on websites.

Cookies are temporary records that are kept of a person's email address and other details when a person accesses a website. The Regulations lays down the law regarding the use of cookies on websites. Under the Regulations the use of cookies and other tracking devices are:

prohibited unless subscribers and users are clearly told they are being used; and given the chance to refuse their use Regulations do not set out when, where or how information or switch off opportunity should be communicated. It is suggested that this may be communicated in a privacy policy Department of Trade and Industry is currently investigating use of cookies by data controllers. Exemptions under the Regulations:

Existing customer relationship exemption

Limited direct marketing by e-mail is permissible without an express opt-in, subject of the following requirements: The email address must have been obtained in the course of the "sale or negotiations for the sale of a product or service to that recipient" direct marketing is permitted only in respect of the marketer's "similar products and services" Recipient must be given a simple means of refusing the use of contact details for the purposes of direct marketing - e.g. a tick box Legacy Mailing List (e-mail addresses) Collected before October 2003 - maybe legally unusable

Unless email addresses of persons bought or negotiated for the sale of goods or services Opt-in required in all other cases - if persons registered on a website for a newsletter or feature in a bought-in list Information Commission Guidance - requirement to include a "simple means of refusing" further emails Useful Links If you are looking for more information on data protection, then below are some more useful links that you can access.

British Standards Institution - Freedom of Information
British Standards Institution - Data Protection
Department for the Environment, Food and Rural Affairs
Department for Constitutional Affairs
Department of Health
Environmental Information Regulations 1992 (SI 3240)
Freedom of Information: Code of Practice, Section 45
Freedom of Information: Code of Practice, Section 46
Freedom of Information: Consultation
Governments ID card consultation
Government entitlement cards consultation
Home Office RIPA Consultation
House Of Commons
Information Tribunal
Joint Parliamentary Committee on Human Rights
Notification: Self Assessment Guide
Office of Communications (Ofcom)
Trading Standards Local Offices
UK Online
World Summit on the Information Society (WSIS)

If you require further information contact us at : This email address is being protected from spambots. You need JavaScript enabled to view it.

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