Air Partner bags two

first_imgStuart Smith has also joined Air Partner as business development manager for freight – MENA and CIS, based in Istanbul.Middleton has over 31 years’ experience in the aviation industry, in both the UK and Singapore. During this time, Mark has spent 15 years working for aircraft operators, and over 15 years working in the air charter broking industry.Stuart Smith has seven years’ experience in the aviation industry, including five years in the charter broking sector as a cargo director with Air Charter Service in New York and Dubai, plus two years with Qatar Airways as manager for freighter sales and marketing and regional cargo manager CIS/North Africa.Richard Smith, Air Partner’s product director for freight, commented, “We are pleased to welcome Mark and Stuart to Air Partner Freight. Between them, they have a very broad range of experience, which will add to the skills and knowledge already within the Freight team. After a few years of tough trading conditions across the freight sector, we feel the time is right to strengthen our offering. Improving economic conditions will mean a return to strong demand for charters and Air Partner will have an excellent team to support our clients’ needs going forwards.”www.airpartner.comlast_img read more

Government shelves bill to cut ’19th century red tape’ around logbook loans

first_imgThe government has announced that it will not proceed with a bill that would have provided more time for vulnerable people taking out ‘logbook loans’ to seek debt advice and avoid paying hundreds of pounds in court fees. The Law Commission, which drafted the Goods Mortgages Bill, said the news was ‘disappointing’.Bills of sale enable individuals to use goods they already own as security for loans while retaining possession of those goods. They are found in ‘logbook loans’, where a borrower grants security over their car or van. The borrower may continue to drive the vehicle so long as they keep up repayments: if they default, the vehicle can be repossessed. Stephen LewisBills of sale are governed by the 1878 and 1882 Bills of Sale acts. Last year the commission recommended repealing the acts. Law commissioner Stephen Lewis said at the time that borrowers were not protected and lenders had extra costs because of ’19th century red tape’.The commission recommended replacing the acts with a proposed Goods Mortgages Act. Vulnerable borrowers who have repaid at least one-third of the loan could demand that the lender obtain a court order, although they would have to opt in to this right. Lenders would be required to serve borrowers with a possession notice. The commission said this would give borrowers three options: to require the lender to seek a court order, to terminate voluntarily or to ask for time to seek debt advice.However, HM Treasury said yesterday that although it broadly supported the bill, concerns had been raised in a public consultation that the bill could encourage lending to vulnerable consumers. The treasury added that the number of logbook loans has fallen substantially and the Financial Conduct Authority is reviewing the high-cost credit market.The treasury said: ‘Given the concerns raised in the consultation, the small and reducing market, and the wider work on high-cost credit, the government will not introduce legislation at this point in time. The government will continue to work with the FCA as they carry out their high-cost credit review, and then further consider government action on alternatives to high-cost credit in light of the FCA’s review.’Lewis stressed again that the current law does not provide adequate consumer protection. He said: ‘Businesses, lenders and consumer groups strongly agreed our reforms would have made a vast improvement. However, we understand that there are enormous pressures on parliamentary time at the moment. We will continue to work with the government to explore ways in which we can bring forward reform in this area in the future.’last_img read more

Iran jails defence lawyer for 30 years in latest attack on profession

first_imgA Tehran defence lawyer, Amirsalar Davoudi, has been sentenced to 30 years in prison for social media posts in the latest clampdown on the independent legal profession, a US-based human rights group said today. He is the third known defence lawyer to be sent to prison in Iran for peaceful activities in less than a year, the Center for Human Rights in Iran (CHRI) said in a statement.Davoudi’s wife Tannaz Kolahchian tweeted news of the sentence on 1 June. He must serve 15 years according to Article 134 of the country’s Islamic Penal Code (subject to appeal). CHRI director Hadi Ghaemi described the sentence as ‘another example of the judiciary and security establishment’s egregious assault on the legal profession and due process rights in Iran’.  Davoudi was convicted by the revolutionary court in Tehran on four charges: ‘collaborating with an enemy state through interviews’, ‘propaganda against the state’, ‘insulting officials’, and ‘forming a group to overthrow the state’. According to CHRI, the ‘group’ is a reference to a messaging app channel, on which Davoudi posted his views about political and social affairs as well as items related to civil rights issues in the country.On 2 June, Davoudi’s lawyer Vahid Meshgani Farahani stated in an interview that Davoudi was also sentenced to pay a fine of 60 million rials (£1,100) and abstain from social media for two years. Davoudi has been in detention since his arrest on 20 November 2018.Davoudi’s sentencing comes amid growing international outrage at the treatment of lawyer Nasrin Sotoudeh, sentenced to 38 years and 148 lashes after she defended women protesting against Iran’s hijab laws. In addition to Davoudi and Sotoudeh, Mohammad Najafi is currently serving a three-year prison sentence and facing a total of 19 years behind bars, the CHRI said. Since 2017, detainees held on national security-related charges in Iran, including defence lawyers, have been required to choose their counsel from a list approved by Iran’s chief justice.last_img read more

Parker praises players after Fulham win

first_imgFulham boss Scott Parker praised the way his side coped without key duo Aleksandar Mitrovic and Tom Cairney after they kept in touch with the Championship’s top two by beating Nottingham Forest. Follow West London Sport on TwitterFind us on Facebook See also:Arter’s cracking goal gives Fulham vital victoryFulham’s Cairney to miss Cardiff gamecenter_img AdChoices广告Harry Arter’s stunning strike just before half-time was enough to earn victory over their fellow promotion hopefuls at the City Ground.Parker’s side are fourth, just four points behind second-placed West Brom, but having played a game more.“We lost Aleksandar three games ago and we have had to find another way,” Parker said. “We were also without Tom Cairney and the players have had to step up.“Harry has done that. He was fantastic in terms of the goal. It was a fantastic strike.“I’m very proud of the team. It’s a big result but there’s a bigger picture.“It’s at this stage where seasons peter away or we go for it. We move on to Friday and Cardiff and, the way we are at the moment, anything can happen.”[scriptless]last_img read more

Tyson Fury is selling his own ‘w**k lotion’ as he claims masturbating 7 times a day for Wilder fight is working wonders

first_img Amazing movies best funny animals Rebekah Vardy scores an impressive penalty in six-inch heels 10 INCREDIBLE Space Launch Failures! People Slammed By Massive Waves 4 What’s This “Trick” Called? Comment Down Below!! Top 5 Best Budget Hotels In Dubai under AED 400 a night.center_img Amazing Controlled Building Demolition You Probably Haven’t Seen Before Travel Diary // Vietnam 2017 Source: Boxing – TYSON FURY says he will bring out his own “w**k lotion” after admitting to masturbating SEVEN times a day.The Gypsy King will rematch against Deontay Wilder on February 22, and has admitted to “doing a lot of things he hadn’t done before”.Tyson Fury was in the crowd to watch Conor McGregor’s stunning UFC return – taking a break from masturbatingCredit: Getty Images – GettyOne of those was engaging in some “solo action” in a bid to “keep the testosterone flowing”.It prompted heavyweight rival and WBC champ Wilder telling Fury to make sure he has some “thick lotion” when he gets down to it.The Brit has now responded, saying that he will be releasing a lotion that will become “a bestseller”.In an interview with TheMacLife, the 31-year-old said: “I’ve got the best lotion in the business. The Tyson Fury lotion.“I’m feeling good, so it must be working. I’m not gonna change it.“I seriously am bringing out my own lotion though. It’s called ‘Tyson’s W**k Lotion’.“It’s gonna be a bestseller because everything I put my name to goes to number one baby.”I’m masturbating seven times a day to keep my testosterone pumpingTyson Fury on his pre-fight prepFury was cage-side for Conor McGregor’s stunning 40-second KO win against Donald Cerrone at UFC 246 in Las Vegas on Saturday. While in Sin City he met with Matthew McConaughey, with the actor hilariously telling the boxer that seven times a day were “rookie numbers”.Fury will be hoping his new pre-fight routine will give him the upper hand as he bids to become WBC world heavyweight champ.The two boxers will go at it for Part II in Las Vegas after their controversial draw in December 2018.And in a bid to keep his “testosterone pumping”, Fury has revealed he is using a special tactic to release energy.Speaking after the first press conference concluded ahead of the big fight, the 31-year-old said last week: “I’m doing a lot of things I didn’t before.“I’m eating five/six meals a day, drinking eight litres of water. If it’s gonna give me an edge, I’m willing to try it.“I’m masturbating seven times a day to keep my testosterone pumping.”Wilder weighed in on the unusual preparation when he told TMZ Sports: “I mean, enjoy yourself. Just use the proper lotion.“Whatever he says is for entertainment or whatever.“He wanna j*** off? Enjoy himself! Just use the proper lotion. I mean some like thick lotion.”Tyson Fury posts hilarious mashup clip of Matthew McConaughey telling him masturbating 7 times a day is ‘rookie numbers’ last_img read more

De Gea set to end Man United stand-off by penning five-year deal

first_img JIBE latest LATEST Manchester United are confident David De Gea will now sign a new five-year deal after positive talks Man United transfer news live: Haaland ‘wants a change’, two players off in January boost Getty Tottenham issue immediate ban to supporter who threw cup at Kepa MOST READ IN FOOTBALL The Red Devils are desperate to keep hold of one of their most prized assets, hence why they’ve offered a £150,000-a-week increase on his current deal.Despite that, De Gea will still be some way short of the club’s highest earner, Alexis Sanchez, who earns a quite staggering £505,000 a week.It is believed the offer will be a four-year contract – with United having the option to trigger a further year on top of that. Solskjaer gives Pogba fitness update and calls him world’s best all-round midfielder David De Gea’s long-running contract saga is now nearing a conclusion – with Manchester United convinced the goalkeeper will sign a new five-year deal.The Sun claim the Spain international, who has been at Old Trafford since 2011, is ready to commit his future to the club after being offered a £350,000-a-week contract. 2 Getty center_img Alexis Sanchez is United’s top earner – on a staggering £505,000-a-week deals Liverpool news live: Klopp reveals when Minamino will play and issues injury update The biggest market value losers in 2019, including Bale and ex-Liverpool star 2 Lampard appears to aim dig at Mourinho for handling of Salah and De Bruyne at Chelsea Arsenal transfer news LIVE: Ndidi bid, targets named, Ozil is ‘skiving little git’ REVEALED De Gea, whose contract is up at the end of the 2019/20 season, is now reportedly happy to stay at United after previously having second thoughts over where his future lay.The 28-year-old made a number of high-profile blunders last season, which is believed to have turned off the likes of Real Madrid making a move this summer.The former Atletico Madrid goalkeeper was on the cusp of a dream move to the Bernabeu in 2015, only for the deal to collapse on transfer deadline day. punished TROPHY Liverpool update ‘Champions Wall’ after ending 2019 as European and world championslast_img read more

The State of the Nation in numbers

first_img21 years – since former President Nelson Mandela walked to freedom after 27 years as a political prisoner. 17 years – since South Africa’s transition to a non-racial, non-sexist, equal and democratic society. 400 000 – the number of additional South Africans served with a basic water supply in 2010. 81% – the proportion of the country now electrified, compared to 63% in the year 2000. 8.6% – the decline in the murder rate in South Africa over the past year. 15-million – the number of South Africans currently receiving state social grants. R9-billion – state fund to support job creation in South Africa over the next three years. R10-billion – funds set aside by the Industrial Development Corporation for investment in economic activities with high job creation potential over the next five years. R20-billion – tax allowances or tax breaks to be put in place to promote investment, expansion and upgrades in South Africa’s manufacturing sector. R550-million – funds set aside for infrastructure upgrades and expansions countrywide. 30% – the mining industry’s contribution to South Africa’s total export revenue. 7.3-million – the number of tourists that arrived in South Africa in 2010. 95 – the number of major international meetings and conferences that South Africa has already secured between now and 2016. R2-billion – the contribution of the creative and cultural industries to South Africa’s gross domestic product (GDP). R475-million – the contribution of the Cape Town International Jazz Festival to the Western Cape economy. 2 000 – the number of jobs created during the Cape Town International Jazz Festival in 2010. R75-billion – Eskom’s investment in the new power stations Medupi, Kusile and Ingula, as well as the return to service and transmission of other projects. 400 000 – the number of South African households that should have security of tenure by 2014. R2.6-billion – the amount that the government will spend on water services this year. 4.5-million – the number of work opportunities that the Expanded Public Works Programme aims to create. 800 – the number of construction jobs created by South Africa’s bid for the Square Kilometre Array radio telescope. 6 000 – the number of students supported by Denel, Eskom, South African Airways and Transnet in acquiring technical and engineering-related scarce and critical skills. 105 – the number of nursing colleges that will be revitalised countrywide to train more nurses. 5-million – the number of voluntary HIV/Aids tests conducted since the launch of the testing campaign in April 2010. 700 000 – the number of first-time identity documents issued in Libode in the Eastern Cape following the launch of the National Population Registration Campaign. R800-million – the funds allocated for immediate relief to assist communities affected by the recent floods across South Africa. 2 000 – South African National Defence Force personnel deployed as peacekeepers in the Democratic Republic of the Congo, Sudan and the Central African Republic. 2.5-trillion – the value of South Africa’s mining assets – in US dollars.Source: Government Communication and Information Systemlast_img read more

Privacy By Design: How To Sell Privacy And Make Change

first_img Algorithm controls will be the future of business. Could this be a way to generate service revenue instead of relying solely on ads? Should it be free? (Large preview)While the example above is a generic proposal, it begins to imagine how we might make the experience in more specific situations. By giving consumers the ability to understand their data, the way it’s being used, and how that affects their lives, we will have designed a system that puts consumers in control of their own freedom.However, no matter how well these changes are made, we must also realize that giving people better control of their privacy does not automatically imply a safer environment for consumers. In fact, it may make things worse. Studies have shown that giving people better control of their data actually makes it more likely that they’ll provide more sensitive information. And if the consumer is unaware of how that data may be used (even if they know where it’s being shared), this puts them in harm’s way. In this sense, giving consumers better control of their data and expecting it to make the Internet safer is like putting a nutrition label on a Snickers and expecting it to make the candy bar less fattening. It won’t, and people are still going to eat it.While I do believe that consumers have a fundamental right to better privacy controls and greater transparency, I also believe it is our job, as data-literate technologists to not only build better systems but also to help the public understand Internet safety. So, the last step in bringing this together is to bring awareness to the fact that control isn’t all consumers need. They also need to understand what is happening on the backend — and why. This doesn’t necessarily mean providing them with source code or giving away their IPs, but at least providing them with enough information to understand what’s going on at a base level, as a matter of safety. And in order to achieve this, we’ll need to push beyond our screens. We’ll need to extend our work into our communities and help create that future.Recommended reading: Designing Ethics: Shifting Ethical Understanding In DesignIncentivize ChangeGiving up privacy is something the population has been corralled into due to the monopolies that exist in the tech world, consumers’ misunderstanding of why this is so dangerous within, and a lack of tactical solutions associated with fiscal returns. However, this is a problem that needs to be solved. As Barack Obama noted in his administration’s summary of concerns about internet privacy:“One thing should be clear: Even though we live in a world in which we share personal information more freely than in the past, we must reject the conclusion that privacy is an outmoded value. It has been at the heart of our democracy from its inception, and we need it now more than ever.”Creating trustworthy and secure data-sharing experiences will be one of the biggest challenges our world will face in the coming decades.We can look at how Facebook’s stock dropped 19 percent in one day after announcing they’re going to re-focus on privacy efforts as proof of how difficult making these changes may be. This is because investors who have recently been focused on the short-term revenue growth know how badly companies need to implement better strategies, but also realize the cost involved if the public starts to question a business — and Facebook’s public statement admitting this startled the sheep.While the process will not be easy (and at many times may be painful), we all know that privacy is the soft underbelly of tech and it’s time to change that. The decisions being made today will pay off big in the long run; a stark difference to the short-term, quarterly mindset that has come to dominate business in the past decade or so of growth. Thus, discovering creative ways to make these issues a priority for all stakeholders should be considered essential for businesses and policymakers alike, which means our job as technologists needs to extend beyond the boardroom.For example, a great way to incentivize these changes beyond discussing the numbers and issues brought up in this article would be through tax breaks for companies that allocate large amounts of their budget to improving their systems. Breaks could be given to companies that decide to supply regular training or workshops for their staff to help make privacy and security a priority in the company culture. They could be given to companies that hire professional hackers to find loopholes in their systems before attacks occur. They could be given to those who allocate large amounts of hours to restructuring their business practices in a way that benefits consumers. In this sense, such incentives would not be so different than tax breaks given to businesses that implement eco-friendly practices.The idea of tax breaks may sound outrageous to some, but incentives such as these would represent a more proactive solution than the way things are handled now. While it may feel good to read a headline stating “Google fined a record $5 billion by the EU for Android antitrust violations,“ we must keep in mind that fines like this only represent a small fraction of such companies’ revenue. Combine this with the fact that most cases take several years or decades to conclude, and that percentage only gets smaller. With this for consideration, the idea of tax breaks can be approached from a different perspective, which is that they are not about rewarding previously negligent behavior but about increasing public safety in a way that is in the best interest of everyone involved. Maintaining our current system, which allows companies to string out court cases while they continue their malpractices is just as, if not more, dangerous than having no laws at all.If you enjoyed reading this article and think others should read it as well, please help spread the word.This article is the beginning of a series of articles I will be writing about dedicated to Internet safety, in which I will work to put fiscal numbers to ethical design patterns so that we, as technologists can change the businesses we’re building and create a better culture surrounding the development of internet-connected experiences. By forcing consumers to check off at each point, it adds friction to the process, yes, but also makes sure the content is digestible. (Large preview)This would make the T&S digestible and allow consumers to opt into what they truly agree to, not what the company wants them to agree to. And to make sure it’s truly opt-in, the default should be set to opt-out. This would be a small change that would make a dramatic difference in the way consent is asked for. Today, most companies blanket this content in legal jargon to hide what they’re really interested in, but the days of asking for consent in this way are quickly coming to an end.If you’re providing consumers with a meaningful service, and doing so ethically, these changes shouldn’t be an issue. If there is a true value to the service, consumers are not going to resist your ask. They just want to know who they can and cannot trust, and this is one simple step that can help your business prove its trustworthiness.Single- And Multi-Point Data Collection RequestsNext, when it comes to creating understandable T&S agreements for your platform, we have to consider how this might play out more contextually — within the application experience. Keep in mind that if it’s all given up front, that’s not digestible. For this reason, data collection request should happen contextually, when the consumer is about to use part of your service that requires an extra layer of data to be collected.To demonstrate how this ask may occur, here are a couple of examples of what a single- and multi-point data collection request might look like: Privacy By Design: How To Sell Privacy And Make Change Privacy By Design: How To Sell Privacy And Make Change Joe Toscano 2018-09-28T13:50:13+02:00 2018-09-28T12:29:38+00:00Privacy is a fundamental human right that allows us to be our true selves. It’s what allows us to be weirdos without shame. It allows us to have dissenting opinions without consequence. And, ultimately, it’s what allows us to be free. This is why many nations have strict laws concerning privacy. However, in spite of this common understanding, privacy on the Internet is one of the least understood and poorly defined topics to date because it spans a vast array of issues, taking shape in many different forms, which makes it incredibly difficult to identify and discuss. However, I’d like to try to resolve this ambiguity.In the United States, it is a federal offense to open someone’s mail. This is considered a criminal breach of privacy that could land someone in prison for up to five years. Metaphorically speaking, each piece of data we create on the Internet — whether photo, video, text, or something else — can be thought of as parcel of mail. However, unlike opening our mail in real life, Internet companies can legally open every piece of mail that gets delivered through their system without legal consequence. Moreover, they can make copies of it as well. What these companies are doing would be comparable to someone opening our mail, copying it at Kinkos, then storing it in a file cabinet with our name on it and sharing it with anyone willing to pay for it. Want to open that file cabinet or delete some of the copies? Too bad. Our mail is currently considered their property, and we have almost no control over how it gets used.Could you imagine the outrage the public would experience if they found out that the postal service was holding their mail hostage and selling it to whoever was willing to pay? What’s happening with data on the Internet is no different, and it’s time this changes.It’s more than just a matter of ethics that this happens, it’s a matter of basic human rights.The problem with making the changes that need to be made (without changes being forced into place by regulation) is putting dollar signs to the issues. What is the financial return on a 20,000-hour engineering investment to improve consumer privacy standards? Are consumers demanding these changes? Because if it doesn’t make a fiscal return and consumers aren’t demanding it, then why should change be made? And even if they are and there is a return, what does 20,000 hours of investment even look like? What is going to be put on the product roadmap and when? These are all valid concerns that need to be addressed in order to help us move forward effectively. So, let’s discuss.Recommended reading: Using Ethics In Web DesignMeet SmashingConf New York 2018 (Oct 23–24), focused on real challenges and real front-end solutions in the real world. From progressive web apps, Webpack and HTTP/2 to serverless, Vue.js and Nuxt — all the way to inclusive design, branding and machine learning. With Sarah Drasner, Sara Soueidan and many other speakers. Check all topics and speakers ↬Do Consumers Want It?The answer to this question is a hard yes. Findings by Pew Research Center show that 90 percent of adults in the United States believe it is important that they have control over what information is collected about them, 93 percent believe it’s important they can control who has access to this information, and 86 percent have taken steps to remove or mask their digital footprints. Similar numbers were discovered about Europeans in doteveryone’s 2018 Digital Attitudes report. Despite these numbers, 59 percent still feel like it is impossible to remain anonymous online, 68 percent believe current laws do not do enough to protect their privacy, and only 6 percent are “very confident” that government agencies can keep them secure.Now, I know what you’re thinking. This is consumer demand, and until those consumers start leaving old products behind, there’s no fiscal reason to make any change. And (although I don’t agree with your logic) you’re right. Right now there is little fiscal reason to make any change. However, when consumer demand reaches a critical mass, things always change. And the businesses that lead the way before the change is demanded always win in the long run. Those who refuse to make a change until they’re forced to always feel the most pain. History shows this to be the truth. But what’s going to happen in legislation that will change business so much? Great question.What’s about to happen to data protection and privacy standards across the world, through regulation, will not be so different than what occurred less than a decade ago when consumers demanded protection from spam emails, which resulted in the CAN-SPAM Act in the United States — but on a much greater scale, and with exponentially greater impact. This legislation, which was created because consumers were sick of getting spam emails, set the rules for commercial email, established requirements for commercial messages, gave recipients the right to have individuals and companies stop emailing them, and spelt out tough penalties for violations. As we enter a period where consumers are beginning to understand just how badly they’ve been deceived (for years, giving people intimate control of their data will undoubtedly be the future of data collection) — whether that be through free will or legislation. And those who choose to move first will win. Don’t believe me?Consider the fact that engineers can get in legal trouble for the code they write. Apple Watch, Alexa, and FitBit data, among others have been used as evidence in court, changing consumer perception of their data. Microsoft and the Supreme Court of the United States went to court earlier this year to define where physical borders extend in cloud-based criminal activity, the beginning of what will be a long fight. These examples are just a peek into what’s coming. The people are demanding more, and we’re reaching the tipping point.The first to take steps to respond to this demand is the EU, which established the GDPR, and now policymakers in other countries are beginning to follow suit, working on laws in their country to define our cyber future. For example, United States Senate Intelligence Committee Vice Chairman, Mark Warner recently laid out some of ideas in a summary report just a couple months ago, demonstrating where legislation may soon be headed in the States. But it’s not just the progressives who believe this to be the future; even right-wing influencers like Steve Bannon think we need regulation.What we’re seeing is a human reaction to incredible manipulation. No matter how domesticated we may be compared to previous generations, people will always push back when they feel they’re being threatened. It’s a natural reaction that has allowed us to survive for millennia. Today, tech has become more than just a consumer-facing industry. It is now also becoming a matter of national security. And for this reason, there will be a reaction whether we like it or not. And it will be better if we come out with a strategy to prepare instead of getting swept under the rug. So, what’s the financial return you ask? Well, how much is your business worth? That’s how much.Recommended reading: How GDPR Will Change The Way You DevelopFor a simple framework of what exactly needs to be addressed and why, we can hold several truths to be foundational in the creation of digital systems:Privacy must be proactive, not reactive, and must anticipate privacy issues before they reach the user.These issues are not issues that we want to deal with after a problem has come to life but are instead issues we want to prevent entirely, if possible.
Privacy must be the default setting.There is no “best for business” option in regards to privacy; this is an issue that is about what’s best for the consumer, which, in the long run, will be better for the business. We can see what happens when coercive flaws are exposed to the public through what happened to Paypal and Venmo in August 2018 when Public by Default was released to the public, bringing a smattering of bad press to the brand. More of this is sure to come to the businesses that wait for something bad to happen before making a change.
Privacy must be positive sum and should avoid dichotomies.There is no binary relationship to be had with privacy; it is a forever malleable issue that needs constant oversight and perpetual iteration. Our work doesn’t end at the terms and service agreement, it lasts forever, and should be considered a foundational element of your product that evolves with the product and enables consumers to protect themselves — not one that takes advantage of their lack of understanding.
Privacy standards must be visible, transparent, open, documented and independently verifiable.There’s no great way to define a litmus test for your privacy standards, but a couple of questions we should all ask ourselves as business people are: First, if the press published your privacy agreement, would it be understandable? Second, if it were understandable, would consumers enjoy what they read? And last but not least, if not, what do you need to change?
These principles will be highly valuable foundations to keep in mind as products are built and evolve. They represent quick and easy questions to ask yourself and your team that will allow you to have a good baseline of ethics, but for a lengthier piece on legal foundations you can read more from Heather Burns, who outlined several additional principles last year on Smashing. And for a full list of things to inspect during a Privacy Impact Assessment (PIA), you can also check out how assessments are done according to:The United Kingdom’s Information Commissioner’s Office (ICO)The Office of the Privacy Commissioner of CanadaThe United States Department of Homeland SecurityBut before rushing off to make changes in your product, first let’s point out some of the current flaws out in the wild and talk about what change might look like once they are implemented properly.How To Make ChangeOne of the biggest problems with US privacy practices is how hard it is to understand terms and service agreements (T&S), which play a major role in defining privacy but tend to do so very poorly. Currently, users are forced to read long documents full of legal language and technical jargon if they hope to understand what they’re agreeing to. One study actually demonstrated that it would take approximately 201 hours (nearly ten days) per year for the average person to read every privacy policy they encounter on an annual basis. The researchers estimated that the value of this lost time would amount to nearly $781 billion per year, which is beyond unacceptable considering these are the rules that are supposed to protect consumers — rules that are touted to be easy and digestible. This puts consumers in a position where they’re forced to opt-in without truly understanding what they’re getting into. And in many cases it’s not even the legal language that’s coercive, it’s the way options are given, in general, as clearly proven across various experiences: Posted on 28th September 2018Web Design FacebookshareTwittertweetGoogle+share HomeWeb DesignPrivacy By Design: How To Sell Privacy And Make Change Single- and multi-point data requests can be designed to reduce the complexity of current terms of service agreements. (Large preview)Breaking the T&S down into digestible interaction points within the experience instead of asking the user for everything up front allows them to get a better understanding of what’s going on and why. If you don’t need the data to improve the experience, why is it being collected? And if it’s being collected for frivolous reasons that only benefit the company, then be honest. That’s just basic honesty, which unfortunately is considered revolutionary, progressive customer service in the modern world.The biggest key to these initial asks is that none of this should be opt-in by default. All initial triggers should give the people using the tool to opt-in if they choose and use it without opting in if they choose. The days of forced opt-in (or, worse yet, coercive opt-in) are coming to an abrupt halt, and those who lead the way will stay ahead of the pack for a long time to come.Data Control CenterBeyond asking for consent in a meaningful way, it will also be important that we give consumers the ability to control their data post-hoc. Consumers’ access to control their data should not end at the terms and service agreement. Somewhere in their account controls, there should also be a place (or places) where consumers can control their data on the platform after they’ve invested time with the service. This area should show them what data is being collected, who it’s being shared with, how they can remove it, and much more. In this image, the benefits of giving consent have been recognized. (Large preview)This first example is a good step forward. It tells the consumer what their data will be used for, but it’s still lacking transparency about where the data will be going and giving priority to the agreement without an option to decline. It also jams everything into a single body of text, which makes the information much less digestible.A better example of how this might be designed is something like the modal below, which is now common among many European sites: When consent is collected this way, it is assumed. (Large preview)The example given above is generic wireframe, but I chose to do this because we’ve all seen patterns like this and others like it that are related to collecting more specific types of data. I could list specific examples, but the list would go on forever and there’s no reason to list off specific companies demonstrating manipulative patterns because these patterns (and other, very similar patterns) can be found on nearly every single website or app on the Internet. There’s one major problem with asking for consent this way: Consumers aren’t allowed to not accept terms and services without several extra steps, lots of reading, and often much more. This is a fundamental flaw that needs to be addressed because asking for consent means there needs to be an option to say no, and in order to know whether “no” is the best option, consumers need to understand what they’re consenting to. However, products aren’t built that way. Why? Well, it’s best for business.If we really sit and think about this, what’s easy to see but let go unrecognized is that companies spend more time creating splash pages to explain how to use the app than we do to explain what data is being collected and why. Why? Simple changes to the way T&S agreements are made would not only make consumers more aware of what they’re signing up for, but also allow them to be more responsible consumers. We can see some of these changes already being made due to the impact the GDPR has been having across the world. In many European nations, it is not uncommon for consent to be asked through modals like these:center_img While we can often download our data now, we generally have no, or very little, control over it. This needs to change. (Large preview)The idea of full data control may seem incredibly liberal, but it is no doubt the future. And as the property of the consumer creating the data, it should be considered a basic human right. There’s no reason why this should be a debate at this point in history. Data represents the story of our lives — collectively — and combined it creates vast amounts of power against those who create it, especially if we allow the systems to remain black boxes. So, beyond giving consumers access to their data, as we’ve discussed in the previous sections, we’ll also need to make the experience more understandable so that consumers can defend themselves.Create Explainable AIWhile it is incredible to get a suggested result that shows us things we want before we even knew we wanted them, this also puts machines in a powerful position they are not yet ready to uphold alone. When machines are positioned as experts and perform at a level that is intelligent enough to pass as such, the public will generally trust them until they fail. However, if machines fail in ways the public is incapable of understanding, they will remain expert despite their failure, which is one of the greatest threats to humanity.For example, if someone were to use a visual search tool to identify the difference between an edible mushroom and a poisonous mushroom, and they didn’t know that the machine told them a poisonous mushroom was safe, that person could die. Or what happens when a machine determines the outcome of a court case and isn’t required to provide an explanation for its decision? Or worse yet, what about when these technologies are used for military purposes and are given the right to use lethal force? That last situation might sound extreme, but it is an issue that is currently being debated within the United Nations.To ensure the public is capable of understanding what’s happening behind the scenes we need to create what DARPA calls explainable artificial intelligence (XAI) — tools that explain how machines make their decisions and the accuracy with which these tasks have been achieved. This isn’t about giving trade secrets away but allowing consumers to feel like they can trust these machines and defend themselves if an error were to occur.Although it is not based in artificial intelligence, a good example of what this might look like is CreditKarma, which allows people to have a better understanding of their credit score — a system that used to be hidden just like algorithms are today. This tool allows consumers to have a better understanding of what’s happening behind the scenes and debate the legitimacy of their results if they believe the system has failed. Similar tools are being created with systems like Google’s Match score on Maps and Netflix Percent Match on shows but these systems are just beginning to scratch the surface of explainable AI. (il, ra, yk)From our sponsors: Privacy By Design: How To Sell Privacy And Make Change Here we see systems that attempt to explain the machine’s decision on a very superficial level. This is a good start, but we need better. (Large preview)Despite these efforts, most algorithms today dictate our experience based on what a company thinks we want. But consumers should no longer be invisibly controlled by large, publicly traded corporations. Consumers should have the right to control their own algorithm. This could be something as simple as letting them know what variables are used for what parts of the experience and how changing the weights of each variable will impact their experience, then giving them the ability to tweak that until it fits their needs — including turning the algorithm off completely, if that’s what they prefer. Whether this would be a paid feature or a free feature is still up for debate, but what is not debatable is whether this freedom should be offered. After GDPR compliance became an issue, many more options were given but improvements could still be made. (Large preview)This gives consumers a comprehensive understanding of what their data will be used for and does it in a digestible manner. However, it still lacks any significant information about where the data will be going after they consent. There’s not a single clue as to where their data will be shared, who it will be shared with, and what limitations exist within those agreements. While this is much better than the majority of options on the web, there are still improvements to be made.Third-Party Login PromptFor example, when using a third-party service to log into your platform, consumers should be made well aware of the following:What data is going to be taken from the third-party;What it’s being used for and how it might affect their experience if you don’t have access to it;Who else has or might have access to it.To implement this in a way that gives the consumer control, this experience should also allow consumers to opt-in to individual parts of the collection, not be forced to agree to everything or nothing at all. Privacy By Design: How To Sell Privacy And Make ChangeYou are here: Related postsInclusive Components: Book Reviews And Accessibility Resources13th December 2019Should Your Portfolio Site Be A PWA?12th December 2019Building A CSS Layout: Live Stream With Rachel Andrew10th December 2019Struggling To Get A Handle On Traffic Surges10th December 2019How To Design Profitable Sales Funnels On Mobile6th December 2019How To Build A Real-Time Multiplayer Virtual Reality Game (Part 2)5th December 2019last_img read more

5 days agoAnderlecht whizkid Lokonga offered to Man City, Barcelona

first_imgAnderlecht whizkid Lokonga offered to Man City, Barcelonaby Paul Vegas5 days agoSend to a friendShare the loveInterest is growing in Anderlecht whizkid Albert Sambi Lokonga.The 19 year-old whizkid is off contract in June and is eager to leave the struggling Belgian giants.Marca says agents for Lokonga have offered him to Manchester City, Barcelona and Sevilla.The youngster can negotiate pre-contract terms with foreign clubs from January 1.The 19-year-old is a Belgium U21 international. TagsTransfersAbout the authorPaul VegasShare the loveHave your saylast_img

Minister Emphasises Importance of Sound Pension Governance

first_img Minister without Portfolio in the Ministry of Finance and the Public Service, Hon. Fayval Williams, has emphasised the importance of sound pension governance in safeguarding the interest of persons saving for retirement.Speaking at NCB Insurance Company (NCBIC) Limited’s pension seminar, held at The Jamaica Pegasus hotel, New Kingston, on May 29, the Minister said pension schemes are pivotal in facilitating the seamless transition from employment to retirement, adding that the funds accumulated can also influence the capital markets of the economies in which they are invested.The Minister argued that the extent to which pension funds impact the lives of beneficiaries and economies, “the governance framework must be a key consideration for trustees, managers and anyone who has responsibility for any aspect of their company’s pension commitments.”Mrs. Williams pointed out that sound pension plan governance facilitates well- informed decisions that meet the requisite prudency standard, as stipulated by law, while helping to minimise financial risks.She contended that these safeguards are key elements for the sustainability and longevity of any financial sector, of which the pension industry is a part.Mrs. Williams said the Government has, in this regard, ensured that the principles of the local pension industry’s effective governance, characterised by accountability, openness, responsiveness and transparency, are being exercised by the Financial Services Commission (FSC).She pointed out that the FSC is mandated to regulate and supervise the industry, noting that the Commission’s remit includes: approval and registration of superannuation funds, retirement schemes, trustees and responsible officers as well as licensing of administrators and investment managers.In this regard, the Minister said the FSC’s oversight is essential in protecting pension beneficiaries, and pivotal in directly supporting a robust and unwavering industry, adding that the Commissioner is also charged with promoting compliance with the provisions of the Pensions Act and its attendant regulations.Mrs. Williams said that effecting sound governance and adherence to the law is not solely the FSC’s responsibility, noting that it also lies with the trustees, their agents, administrators and investment managers.“It is therefore vital that these parties operate in an ethical manner by faithfully discharging their fiduciary and other responsibilities. Trustees must, therefore, keep beneficiaries up to date about their benefits and not withhold any information. Additionally, it requires an enabling environment in which pertinent information is effectively issued and people can respond in an unconstrained and truthful manner,” she said.In this regard, Mrs. Williams lauded NCBIC’s management on its pension scheme arrangement, noting that they can “attest to operating with good governance.”The Minister said NCBIC has steered its pension funds in the “right direction” and, in so doing, has been bestowed with accolades.These, Mrs. Williams pointed out, include: the 2010 and 2011 World Finance Global Pension Funds Award, and Best Pension Funds in the Caribbean from 2015 to 2017.In his remarks, NCBIC Managing Director and Chief Executive Officer, Vernon James, also underscored the importance of pension funds in retirement planning, adding that it as against this background that Tuesday’s seminar was staged.“It is no secret that proper preparation for pension is vital. We, therefore, see the need to (continuously) highlight the importance of preparing and making wise decisions for retirement,” he said.Mr. James lauded the Government on its decision to reform the laws and introduce new policies to improve the industry’s governance framework and arrangements through legislation.These, he reiterated, are the Pensions (Public Service) Act 2017, and Constitution (Amendment) (Establishment Fund) (Payment of Pensions) Act 2017, which will mandate pensionable public service officers to contribute five per cent of their salaries towards a pension.The Pensions (Public Service) Act 2017 aims to establish a segregated fund for contributions and gradually increase the retirement age to 65.The Constitution Amendment Establishment Fund (Payment of Pensions) Act, 2017 seeks to amend the Constitution to provide for the payment of pensions, gratuities and allowances out of the pension fund.“These two Bills seek to provide an improved pension system for workers… and we are pleased about the direction of this reform,” Mr. James said.The seminar was held under the theme: ‘Governance for Pension Funds – a Jamaican Perspective’. The Minister argued that the extent to which pension funds impact the lives of beneficiaries and economies, “the governance framework must be a key consideration for trustees, managers and anyone who has responsibility for any aspect of their company’s pension commitments.” Story Highlights Minister without Portfolio in the Ministry of Finance and the Public Service, Hon. Fayval Williams, has emphasised the importance of sound pension governance in safeguarding the interest of persons saving for retirement. Speaking at NCB Insurance Company (NCBIC) Limited’s pension seminar, held at The Jamaica Pegasus hotel, New Kingston, on May 29, the Minister said pension schemes are pivotal in facilitating the seamless transition from employment to retirement, adding that the funds accumulated can also influence the capital markets of the economies in which they are invested.last_img read more