Why Do I Need A Homeowner’s Insurance/Home Insurance?

We all know the saying “your home is your castle” and it is extremely important to know for certain, that it stays safe from life’s unexpected threats. In order to secure it from any kind of financial harm, you may consider buying a Homeowner’s Insurance (also known as Hazard Insurance). From one side, you have to be sure that your house is absolutely protected because life is full of unexpected hazards, but on the other side, this industry has changed a lot, so insurers hiked deductibles, scaled back on coverage, and added new restrictions. Few homeowners take the time to read their policy and, even if they do, may not realize how one phrase, sometimes one word,can mean thousands of dollars. Continue reading

Race/Color Employment Discrimination

Discrimination based on color – skin pigment, complexion, shade, or lightness or Discriminationdarkness – is illegal. Color is a separate protected category under Title VII, the primary federal law that prohibits workplace discrimination.

Discrimination based on race and color often overlap. Discrimination because of race means race is the reason, or at least a motivating factor, in an employer’s adverse treatment of an applicant or employee. Discrimination based on race or color can also occur when an employer’s neutral policy or practice disproportionately disadvantages employees of a particular race and there is no legitimate business reason to justify the policy or practice.

An employment policy or practice that applies to everyone, regardless of race or color, can be illegal if it has a negative impact on the employment of people of a particular race or color and is not job-related and necessary to the operation of the business.

Remember! It is unlawful to harass a person because of that person’s race or color!

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Does Your Firm Need Cyber Insurance?

For law firms, protecting the confidential data of clients CYBER ATTACK. Word cloud concept illustration.any unintended leak of information related to intellectual property or a prominent legal case can be disastrous.

Many lawyers are often asked to safeguard sensitive information, but their ability to do so can be undermined by weak cyber security and determined hackers. If firm’s security is breached, cyber insurance may help protect against subsequent losses.

Key Marsh 2014 Cyber Survey Findings:

  • 79% of respondents in aggregate viewed cyber/privacy security as one of their top 10 risks in their overall risk strategy.
  • 72% said their firm has not assessed and scaled the cost of a data breach based on the information it retains.
  • 51% said that their law firms either have not taken measures to insure their cyber risk (41%) or do not know (10%) if their firm has taken measures.
  • 62% have not calculated the effective revenue lost or extra expenses incurred following a cyber-attack.

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EU watchdogs have admitted Google must revise its privacy policy.

EU watchdogs’ decision in March is to consolidate 60 privacy policies into one agreement. It allows to combine the data from all their products, such as YouTube, Google+ and smart phone system Android.

CNIL (French data privacy regulator), which led to the inquiry, said that Google had “months” to make changes. Google has been told to give the information about what data is being collected, for what purpose and also to give users more control over how the information is combined.

Therefore, if there is no action taken, CNIL would have to appeal to court. However, Google said it needed more time to figure out the details. Peter Fleischer, global privacy counsel, said that they have received a report. Thus, Google has been accused of providing “incomplete” details. All of that raises concerns about data protection.

CNIL investigation

CNIL carried out the investigation. 27 members of the European Union agreed on that, but Greece, Romania and Lithuania have not yet signed up. By the way, non-EU states Croatia and Liechtenstein have participated.

After revising Google’s policy in details, it was discovered that Google has failed to place any limit on the “scope of collection and the potential uses of the personal data”. That means, there was no distinсtion between search engine queries, typed-in credit card numbers or telephone communications.

The following changes were proposed by EU data protection laws:

  • Reinforcing users’ consent. It suggests allowing its members to choose how data was combined by asking them to click on dedicated buttons.
  • Google should offer a centralised opt-out tool allowing users to decide which services provide data about them.
  • Google should adapt its tools in order to limit data use to authorised purposes. It should be able to use a person’s collated data to improve security.

Isabelle Falque-Pierrotin, the CNIL’s president, said the company had “three or four months” to make the revisions.

‘Essential step’

UK campaign group Big Brother Watch welcomed the news. “It’s absolutely right that European regulators focus on ensuring people know what data is being collected and how it is being used,” said the organisation’s director, Nick Pickles.

“Unless people are aware just how much of their behaviour is being monitored and recorded it is impossible to make an informed choice about using services”.

There is a new unified search tool of Google that works across several of its products. Gmail, Google Calendar and Drive cloud storage services are now in a trial version for users.

For more information, please visit the link: http://www.bbc.com/news/technology-19959306