Offering a different perspective from the online casino vertical is Paul Torzel, who has almost a decade of affiliate experience and runs newbettingsites.uk, a top comparison site for UK sportsbooks. While SEO, website ads and pay-per-click were among Torzel’s preferred promotional focuses, we asked him to explain why social networks, a popular choice overall, was not among them. Erica Anderson sifts through the results of her company’s 2020 affiliate survey and asks two respondents for their view on bonus codes, targeted landing pages and other promotional and marketing strategies Targeting and tailoring: marketing tools for affiliate success Meeuwsen views targeted landing pages in a similarly favourable light. “Generalised marketing does not work for a small affiliate like me. To be noticed, we must laser focus our efforts on more specific topics than ever before,” he explained. “At a minimum, affiliates should be able to send visitors to those main categories so they can get exactly what they want quicker. If a person did a Google search for apples they would not be sent to oranges, so why should a slot player be directed to poker, sports, bingo, lotteries, etc.?” Marketing & affiliates One marketing material that Torzel and Meeuwsen had ranked similarly was targeted banners, which Meeuwsen sees as potentially beneficial, provided they are managed properly. “Give me a 300×250 banner that displays the current promotion. Don’t ask me to update the banner – they should do it automatically. Don’t kill the link – they can redirect it to a new page. Also, give me another 300×250 banner that shows at least the general type of game I want.” Targeted landing pages and banners With these results in mind, we asked two affiliates, one specialising in online casino and the other online sports betting, to share details on their own approach and outlook regarding marketing strategies. Topics: Marketing & affiliates Affiliates Erica Anderson’s role focuses on developing the marketing strategy for the Income Access brand. Holding a decade’s industry experience, she also oversees the company’s in-house affiliate management team and its suite of digital marketing services. Income Access manages close to 20 affiliate programmes. “The perfect set of marketing materials for me would include an in-depth casino review, targeted banners, targeted landing pages, videos, text links and more,” said Meeuwsen, who expects affiliate websites to include information not always available on a casino’s public site. “The most useful details would be a list of all of the games offered at the casino. It would also be quite beneficial to include the RTP, game provider, a description and any other specifics from which I can sort, categorise and reorganise, according to the topic I am writing.” While only time will tell which marketing materials and promotional strategies rise or fall in popularity, Meeuwsen offered an insightful closing note when asked about the continued strength of bonus codes, highlighting the determination needed by smaller affiliates to achieve success. “If you are a small affiliate, I think your time would be better spent on creating more content that goes beyond bonuses. Game reviews and opinions are a good starting point but going further than that would be even better!” In an effort to dissect igaming’s ever evolving affiliate marketing landscape, our 2020 affiliate survey explored trends, expectations and preferences. To complement the quantitative results that emerged from the survey, we also reached out to affiliates to share their qualitative insights, specifically as it pertains to marketing strategy and promotional efforts. A veteran affiliate of more than 15 years, Richie Meeuwsen runs frenchroulettelive.com, which focuses specifically on French roulette content for the non-US market. According to the US-based Meeuwsen, the optimal affiliate website requires a holistic approach rather than just relying on a singular strategy. Meeuwsen also emphasised the importance of SEO in what he describes as a ‘text-oriented search engine atmosphere’, referencing his well-established industry experience. “I have been doing online casino affiliate marketing full time since 1996. I am a one-person operation that relies 100% upon SEO and content. I have never bought advertising nor created an email list,” he said. With regards to marketing materials, Torzel is aligned with the large number of affiliates that had bonus codes and targeted landing pages ranked as their top two selections. “The best landing pages tend to have generous offers and are constantly updating those offers to help with conversions,” he said. “Even better are personalised landing pages with responsive updates, based on current events, as well as clearly stated information so they convert better. This is important, as I think over 90% of users check the T&Cs.” 9th February 2021 | By contenteditor To provide some context, the affiliate survey revealed that the most popular promotional focuses included organic search (SEO), which was identified as a current strategy by 53% of respondents, followed by social networks (47%) and website ads (40%). When it came to marketing materials, bonus codes were the most popular choice among 51% of affiliates, followed by targeted landing pages at 22%. Torzel, who ranked text links as his third favourite marketing material, explained why he expects banners to gradually lose popularity in favour of other options, supporting Meeuwsen’s point about not wanting to have to manually update banners. “The biggest problem with banners is that they tend to be heavy and, in many cases, don’t auto-update. Also, we see that people don’t click as much on banners compared to text links.” Email Address When looking at alternatives to banners, Torzel sees online reviews as one of the potential usurpers. “Users tend to read reviews more and trust more comments from other users,” he said. Although reviews only ranked as the sixth most popular marketing material in our survey, 45% of respondents did have it as one of their top four selections. Tailoring your approach Subscribe to the iGaming newsletter Reviews & conclusion Meeuwsen also sees the potential of reviews, as long as they are sufficiently informative. “Unless my website has in-depth information, it will be considered fluff. This should include an overview of the casino with all the details like types of games, deposit methods, security, organisation information, etc.,” he said. “I would rather spend the time to research a specific game or aspect of the casino which will actually be useful to my visitors and to the search engines.” “In my personal experience, sports betting does not associate well with traditional social channels, such as Facebook, because users don’t like to mix their personal life with their betting experience,” Torzel said. “We do generate some traffic with Twitter, and we use this channel to promote more of our content. However, most users still prefer Google as their main source when searching for betting products.” AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter
Harel Mallac Limited (HML.mu) listed on the Stock Exchange of Mauritius under the Industrial holding sector has released it’s 2007 annual report.For more information about Harel Mallac Limited (HML.mu) reports, abridged reports, interim earnings results and earnings presentations, visit the Harel Mallac Limited (HML.mu) company page on AfricanFinancials.Document: Harel Mallac Limited (HML.mu) 2007 annual report.Company ProfileHarel Mallac and Co. Limited is involved in the manufacturing and trading, business service as well as asset management businesses. The company operates through investment, corporate and property business services and manufacturing and trading segments. Harel Mallac and Co. Limited also engages in the blending, trading, and selling of chemicals, fertilizers, and general goods, the provision of agro industrial, engineering, refrigeration, and electrical products, as well as air conditioning and fire protection, and waterproofing activities. Harel Mallac and Co. Limited has operations in Mauritius, Burundi, Madagascar, Rwanda, Tanzania, and Zambia. The company is based in Port Louis, Mauritius. Harel Mallac and Co. Limited is a subsidiary of Société de Lerca. Harel Mallac and Co. Limited is listed on the Stock Exchange of Mauritius
Simply click below to discover how you can take advantage of this. Harvey Jones | Wednesday, 15th July, 2020 Image source: Getty Images. Our 6 ‘Best Buys Now’ Shares 5 Stocks For Trying To Build Wealth After 50 Click here to claim your free copy of this special investing report now! The stock market crash in March has left the FTSE 100 trading around 20% below its January peak of more than 7,500. While share prices recovered in April and May, there’s still a buying opportunity here for investors who want to create a £1m portfolio.Almost nobody becomes a millionaire overnight from stocks and shares. The process takes a lifetime of investing, but it’s doable. What you must do is take advantage of massive buying opportunities, like the current one. 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You can invest from £25, or £50 a month, depending on the platform, although if you want to make a million, you’ll need to do more than that.I reckon you can build a million pound portfolio for your retirement by investing £500 a month. You don’t have to be a genius stock picker to do it. Your most important resource is time.If you’re 25 years old, it’s perfectly feasible to make a million by investing £500 a month. If your portfolio of stocks generates an average total return of 6.5% a year, after charges, it would be worth £1.12m by age 65.This assumes you reinvest all your dividends back into your portfolio. If you invest in a Stocks and Shares ISA, all your returns are free of income tax and capital gains tax, for life.Don’t waste this stock market crashMaking a million from FTSE 100 shares becomes harder the older you get. You can still do it, but you’ll have to invest larger sums. If starting from scratch at age 35, you would have to increase your monthly contribution to around £1,000 a month.You can make your money work harder by picking up top FTSE 100 stocks at today’s reduced prices. Prioritise companies with steady revenues, loyal customers, and healthy balance sheets. FTSE 100 giants, such as spirits-maker Diageo, information specialist Experian, mining company Rio Tinto, and household goods firm Unilever have all caught my eye in recent weeks.Today’s stock market may be highly volatile, but investing a regular monthly sum should smooth out the peaks and troughs. Even if you don’t make a round million, you can look forward to a much wealthier retirement if you start investing now. Harvey Jones has no position in any of the shares mentioned. The Motley Fool UK has recommended Diageo, Experian, and Unilever. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Enter Your Email Address Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. 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Markets around the world are reeling from the coronavirus pandemic…And with so many great companies trading at what look to be ‘discount-bin’ prices, now could be the time for savvy investors to snap up some potential bargains.But whether you’re a newbie investor or a seasoned pro, deciding which stocks to add to your shopping list can be daunting prospect during such unprecedented times.Fortunately, The Motley Fool is here to help: our UK Chief Investment Officer and his analyst team have short-listed five companies that they believe STILL boast significant long-term growth prospects despite the global lock-down…You see, here at The Motley Fool we don’t believe “over-trading” is the right path to financial freedom in retirement; instead, we advocate buying and holding (for AT LEAST three to five years) 15 or more quality companies, with shareholder-focused management teams at the helm.That’s why we’re sharing the names of all five of these companies in a special investing report that you can download today for FREE. 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He might be hoping to square up against Roberts again when England meet Wales in Cardiff in a couple of weeks, and if he does he will need to play a whole lot better.Salon of shameTake a seat in the salon Gordon Reid! Was is my imagination, or did the Glasgow prop look slightly shame-faced as he trotted out of the tunnel at Bath with a Mohican hair cut? Either way, his new “style” caught the eye of former England prop Dave Flatman, who was on the BT Sport commentary team. “If you are going to arrive in the front row with a Mohawk you have got to deliver,” quipped Flatman. “White boots or a Mohawk, you have to be looking at Man of the Match.” Sadly for the Warrior, Reid didn’t make the grade. Six of the bestThey had already secured a home quarter-final in the Challenge Cup before the final round of matches but Gloucester still went for the jugular in Brive on Thursday evening and won 31-20 to finish their Pool Five campaign with 29 points out of a possible 30. They are the only team in the two European competitions to have won all six pool matches and they scored an average of 35 points per game. Yes, the French clubs did not give their best in Europe’s second tier competition, but Gloucester’s achievement is still one to be proud of.Direct hit: Ashley Johnson is about to be sin-binned as Dave Kearney (left) feels the painThe SinnersFlying startAshley Johnson came out of the blocks at a great rate of knots when Wasps kicked off against Leinster, but his sprint from halfway ended with him clattering into the legs of Dave Kearney, who had leapt high to catch the kick. The wing came crashing to the floor and had to go off with a shoulder injury, while Johnson was sent to the sin-bin.To be fair, the Wasps No 6 looked mortified as soon as Kearney hit the deck and sent him an apologetic Tweet after the game, saying: “Really sorry for that tackle mate. Didn’t mean to injure you. Hope it’s not too bad.”Kearney came back with a friendly reply: “No serious damage done.”Say highLeinster lock Kane Douglas spent the first ten minutes of the second half in the sin-bin after hitting Ashley Johnson hard and high as he cleared out a ruck just before the break. Was it retribution for Johnson’s tackled on Kearney? Only Douglas knows – but his absence may have contributed to a change of momentum in the game, as Wasps came back from 20-6 down at half-time to draw 20-20. Stop him! Luther Burrell (right) attempts to halt the rampaging Jamie RobertsBad day for BurrellTwo former European Cup winners slumped to disappointing defeats in their last pool matches and while Northampton Saints still made it through to the quarter-finals despite being trounced 32-8 at home by Racing Metro, Toulouse are out of the competition following their 27-26 loss at Montpellier.Northampton missed a total of 33 tackles as Man of the Match Jamie Roberts and his Racing team-mates cut them to shreds and Luther Burrell had a real day to forget, missing six tackles and conceding three turnovers. TAGS: Wasps In the thick of it: Jonathan Joseph is a match-winner in attack or defence So we have our quarter-finalists in the European Champions Cup and Challenge Cup, but there was plenty of high drama to enjoy before the dust settled. Who were the match-winners in round six of the pool matches, and who had a weekend to forget? Kicking themselvesIan Madigan and Andy Goode should have shared a swift half together after Saturday’s Wasps v Leinster clash as both missed a kick which could have won the game for their team.Madigan was off-target with five minutes to go after Elliott Daly foolishly came in at the side of a ruck on the 10-metre line. Leinster were leading 20-13 so another three points would have taken the game away from Wasps.Goode had the chance to go for glory with a drop-goal at the death, after his team-mates had set him up in the centre of the pitch outside the 22. He put it wide, which meant Leinster topped Pool Two, but thankfully for Goode, Wasps still qualified for the quarter-finals. The SaintsPoacher turned gamekeeperJonathan Joseph earned plenty of praise for his attacking play against Toulouse in last weekend’s European Champions Cup, but he made a decisive impact in defence this week, as he helped Bath hang onto a 20-15 lead over Glasgow Warriors with a superb try-saving tackle on Sean Maitland in the 69th minute.Joseph’s team-mate Francois Louw also saved the day for Bath when he won a vital turnover close to the line just a few phases later, as Fraser Brown tried to drive over for what could have been a winning try.There was heroic defending from Finn Russell and Maitland earlier in the match to prevent Anthony Watson scoring, but ultimately their efforts were in vain as Bath secured the win and the quarter-final spot.Warrior spirit: Maitland and Russell hold up Watson over the lineTime to changeReferee David Rose took a deep breath and did something brave this weekend, as he admitted to suffering from depression. Rose used Facebook and Twitter to go public about his illness and the difficulties it has caused him over the past 40 years. Mental health issues affect so many people yet they remain a largely taboo subject. Well done to David for speaking out. You can read his statement here.Mr Cool: Sam Hidalgo-Clyne waits to take a conversion for EdinburghSuper SamSam Hidalgo-Clyne rounded off a great week in which he was named in Scotland’s Six Nations squad, by putting in a Man of the Match performance in Edinburgh’s 38-20 win over Bordeaux-Begles in the European Challenge Cup.He scored two tries, kicked four penalties and three conversions and helped set up a try for WP Nel with a sublime reverse flick out of contact to enable Tim Visser to continue the move.Hidalgo-Clyne powered through three tacklers on the line to score his second try and was so confident he had touched it down, he stood coolly waiting to take the conversion while the officials deliberated over the TV replays.Three for twoNo fewer than nine players scored two tries during the weekend’s Champions Cup and Challenge Cup clashes, but only two went on to get a hat-trick. Centre Darren Cave claimed his treble for Ulster in the first 42 minutes of the match against Leicester Tigers, while flanker Ofisa Treviranus took 72 minutes to grab his trio of tries for London Irish in Rovigo.Extraordinarily, seven different Harlequins players scored one try each in their 47-19 win at Castres and that was almost matched by Exeter Chiefs, who had six different try-scorers as they beat Bayonne 45-3.What the doctor ordered: Kyle Eastmond in a sling after being forced offDoctor knows bestBath’s medical team are among the Saints this week for forcing Kyle Eastmond to come off just six minutes into the do-or-die clash with Glasgow Warriors, after he suffered an injury to his left arm. The centre was determined to play on but the experts knew it was in his interests to come off and insisted that he did. Eastmond ended the afternoon with his arm in a sling and will need a scan to see what damage has been done, but at least he was not allowed to make it worse by playing for another hour.Direct routeWasps qualified for the Champions Cup quarter-finals despite winning just three of their six pool games, and it was No 8 Nathan Hughes who scored the try which earned them a 20-20 draw against Leinster and just enough points to move into the knockout stages.Wasps were trying to break through the Leinster defence to come back from 20-13 down as the final ten minutes approached. Hughes picked up at a ruck on the line and, deciding the direct route was best, simply dived over the prone players to touch down unopposed. Andy Goode converted and Wasps had their draw.Easy does it: Nathan Hughes touches down for a crucial try for WaspsWelsh PrydieThere are no Welsh sides in the Champions Cup quarter-finals but both regions who are in the Challenge Cup have reached the knockout stages. Newport-Gwent Dragons secured their home quarter-final with a 30-19 win over Stade Francais and they will entertain Cardiff Blues in the next round.The Dragons owe a lot to Tom Prydie as he converted their pack’s dominance and Stade’s mistakes into 17 precious points by kicking five penalties and a conversion. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS
Architects: NH Village Architects Area Area of this architecture project Projects Photographs “COPY” Moon House / NH Village Architects ArchDaily Photographs: Hiroyuki Oki Manufacturers Brands with products used in this architecture project 2018 Year: CopyAbout this officeNH Village ArchitectsOfficeFollowProductsWoodConcreteBrick#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesVietnamPublished on October 26, 2018Cite: “Moon House / NH Village Architects” 26 Oct 2018. ArchDaily. Accessed 11 Jun 2021.
ArchDaily Houses CopyAbout this officeRaúl Sánchez ArchitectsOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationViladecansOn FacebookSpainPublished on July 28, 2020Cite: “The Magic Box Apartment / Raúl Sánchez Architects” [Apartamento La caja mágica / Raúl Sánchez Architects] 28 Jul 2020. ArchDaily. Accessed 10 Jun 2021.
Predictions on the future of learning discussed at Limerick Lifelong Learning Festival Advertisement Email Limerick Ladies National Football League opener to be streamed live NewsAsthma Society warns the 11,815 people who have both asthma and hayfever in Limerick to take precautions with their hayfever this weekend as high pollen levels predictedBy Meghann Scully – July 10, 2020 629 TAGSasthmaasthma societyKeeping Limerick PostedlimerickLimerick Post The Asthma Society has teamed up with Dyson Ireland to launch its Pollen Tracker on asthma.ie. The tracker provides an update of pollen levels across the four provinces each day, and a predictor of the pollen levels for the following day.Sign up for the weekly Limerick Post newsletter Sign Up Sarah O’Connor, CEO of the Asthma Society of Ireland, said: “For the 304,000 people who have asthma and hayfever in Ireland, hayfever can be particularly dangerous. Hayfever symptoms are capable of escalating an asthma attack, which in some cases can be fatal. In addition, people with hayfever experience symptoms which really compromise their quality of life and ability to enjoy the summer months.With the pollen count predicted to increase over the next few days, we are advising all people who have asthma and hayfever to make sure they take precautions and to follow our “top tips for surviving hayfever season” to ensure they do not suffer a fatal asthma attack. Our free Asthma and COPD Adviceline is also available on 1800 44 54 64 and allows you to speak to a respiratory specialist nurse who is trained in asthma and allergies, who will be able to advise you on managing your condition(s).People can also message our new Beating Breathlessness WhatsApp Patient Support Service on (086) 059 0132; which allows patients with asthma or COPD to message a respiratory specialist nurse to get support, advice and information about their condition(s).”Tips to survive Hayfever Season:Keep an eye daily on the Asthma Society’s pollen tracker on asthma.ieSpeak to a nurse on the Asthma Society’s free Asthma and COPD Adviceline (1800 44 54 64) about putting a hayfever management plan in placeUse the Asthma Society’s new Beating Breathlessness WhatsApp Patient Support service for any questions on asthma, COPD, coronavirus or hayfeverTalk to doctor or pharmacist NOW about taking medication to prevent / reduce symptoms. Don’t wait until you feel unwellKeep windows shut in your bedroom at nightKeep windows and doors closed when the pollen count is highStay indoors as much as possible on high pollen daysStay away from grassy areas, especially when grass is freshly cutPut Vaseline around your nostrils to trap pollenWear wraparound sunglasses to stop pollen getting into your eyesShower, wash your hair and change your clothes if you have been outside for an extended period of timeAvoid drying clothes outdoors, or shake them outdoors before bringing them inMinimise your contact with pets that have been outdoors and are likely to be carrying pollenCommon hayfever symptoms:Runny nose and nasal congestionWatery, itchy, red eyesFrequent sneezingItchy nose, roof of mouth or throatHeadacheFatigueSwollen blue coloured skin under the eyesPostnasal dripNiamh O‘Halloran, who suffered a near fatal asthma attack because of her hayfever, said: “Most of my friends with hayfever experience the itchy watery eyes, runny nose and itchy throat, etc. But for me, as I have asthma and hayfever, symptoms can be a lot more serious.“It is essential that I manage my hayfever to ensure it does not lead to a serious asthma attack. In my teenage years, I suffered an asthma attack because of my hayfever which nearly took my life and left me in hospital for over a week. It was a terrifying experience and I did not know if I was going to make it.“Today, I make sure to take my anti-histamines, along with all my asthma medications as part of my Asthma Action Plan. Controlling my hayfever is extremely important as it prevents me ending up back in hospital.“I find the Asthma Society’s Pollen Tracker an excellent tool which allows me to prepare and take precautions on any day when the pollen count will be high.” she said. Dr Marcus Butler, Medical Director of the Asthma Society, said:“Managing asthma becomes more difficult over the summer months as the nice weather brings a long and sharp increase in the pollen count. Research suggests that up to 80% of people with asthma notice a worsening of asthma symptoms due to allergies such as pollen, as their bodies trigger an allergic reaction.“I see a drop in asthma control amongst my allergic asthma patients during hayfever season, which leaves them at risk of a more serious asthma attack. It is vital that all asthma patients with pollen or grass allergy have an Asthma Action Plan and prepare for the hayfever season to limit its effects.” he added. RELATED ARTICLESMORE FROM AUTHOR Donal Ryan names Limerick Ladies Football team for League opener Linkedin For any questions on managing asthma, hayfever or COPD, people can call the Asthma Society’s free Asthma and COPD Adviceline on 1800 44 54 64 to speak to a trained respiratory specialist nurse about managing their condition. Billy Lee names strong Limerick side to take on Wicklow in crucial Division 3 clash WhatsApp THE Asthma Society of Ireland is today warning the11,815 people who have both asthma and hayfever in Limerick to take precautions as pollen levels expected to rise this weekend. Limerick’s National Camogie League double header to be streamed live WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads Print Twitter Previous articleLimerick social enterprise Kitchen Express set to unveil their initiative via ISBC virtual showcaseNext articleTransfer of Galvone properties approved Meghann Scully Facebook
News UpdatesBank Liable For Fraudulent Online Transaction If Account Holder’s Fault Not Proved : NCDRC Akshita Saxena8 Jan 2021 9:56 PMShare This – xThe National Consumer Disputes Redressal Commission (NCDRC) recently held that in case of fraudulent transactions leading to withdraw of money from a person’s bank account, the concerned bank shall be responsible for the loss, not the customer, if it is not proven that the fraudulent transaction had taken place due to account holder’s fault. The ruling was made by Presiding Member…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe National Consumer Disputes Redressal Commission (NCDRC) recently held that in case of fraudulent transactions leading to withdraw of money from a person’s bank account, the concerned bank shall be responsible for the loss, not the customer, if it is not proven that the fraudulent transaction had taken place due to account holder’s fault. The ruling was made by Presiding Member C. Viswanath, who opined that in today’s digital age, the possibility that the credit card was hacked or forged cannot be ruled out. The NCDRC stated that in a case where the Bank has been unable to prove that the impugned fraudulent transaction had taken place due to account holder’s fault, for example loss of credit card, the Bank shall be made liable for the unauthorized transactions, as it is deemed that there was a security lapse in the electronic banking system through which the transactions had taken place. “Bank cannot rely on arbitrary terms and conditions to wriggle out of its liability towards customers and any such terms and conditions must be in conformity with the directions issued by the RBI which is responsible for safekeeping of the Banking Systems and maintaining checks and balances in the same,” the Commission said. Background In the present case, the Commission was hearing a Revision petition filed by the HDFC Bank against dismissal of its appeal by the State Commission, thereby upholding the order directing the Bank to compensate the customer for fraudulent transaction from her account. The Complainant-customer had stated that the credit card was in her possession when the disputed transactions had taken place. She further stated that the transactions had taken place remotely, several miles away from her actual location and therefore, the reason for the fraudulent transactions must be forgery/hacking of the card or some other technical and/or security lapse in the electronic banking system through which the transactions had taken place. The Bank had on the other stated that the Credit Card must have been stolen and that it is due to the Card Holder’s negligence that she lost safe custody of her card. Findings The Court noted that the Bank had failed to produce any evidence to substantiate its averment that the credit card was stolen or that the Complainant had resorted to any fraud/forgery. “In the absence of any evidence that the credit card was stolen, I hold the Bank for the unauthorized transactions,” Presiding Member C. Viswanath said. The Commission relied on a RBI circular as per which, zero liability will rest with the customer, where the deficiency lies in the banking system. As per Circular dated 6 July 2017: A customer’s entitlement to zero liability shall arise where the unauthorised transaction occurs in the following events: Contributory fraud/ negligence/ deficiency on the part of the bank (irrespective of whether or not the transaction is reported by the customer). Third party breach where the deficiency lies neither with the bank nor with the customer but lies elsewhere in the system, and the customer notifies the bank within three working days of receiving the communication from the bank regarding the unauthorised transaction. In the facts of the case, the Commission noted, (i) The first unauthorized transaction took place on the 15.12.2008. (ii) The said transactions were observed by the Bank on 15.12.2008 itself. (iii) The Complainant’s father was contacted only on 18.12.2008. (iv) On 20.12.2008, within three days of receiving information form the Bank, the Complainant’s father notified the Bank that the transactions were unauthorized. “In such circumstances, therefore, even if the deficiency was not with the Bank, but elsewhere in the system, the Bank will be held liable for all the 29 unauthorized transactions which were effected from 15.12.2008 till the card was hotlisted, i.e. till 20.12.2008,” the Commission said. Reliance was also placed on Punjab National Bank & Anr. v. Leader Valves II, (2020) CPJ 92 (NC), where the Commission while addressing the question of liability of a Bank in case of unauthorized and fraudulent electronic banking transactions, had observed: “The first fundamental question that arises is whether the Bank is responsible for an unauthorized transfer occasioned by an act of malfeasance on the part of functionaries of the Bank or by an act of malfeasance by any other person (except the Complainant/account-holder). The answer, straightaway, is in the affirmative. If an account is maintained by the Bank, the Bank itself is responsible for its safety and security. Any systemic failure, whether by malfeasance on the part of its functionaries or by any other person (except the consumer/account-holder), is its responsibility, and not of the consumer.” Case Title: HDFC Bank & Anr. v. Jesna JoseRelated : Banks Cannot Recover From Customers The Amount Lost By Them Through Online Fraud : Kerala HC [Read Judgment]Banks Liable For Unauthorised Withdrawals Even If Customers Did Not Respond To ‘SMS Alerts’: Kerala HC [Read Judgment] Click Here To Download Judgment Read JudgmentNext Story
News UpdatesCOVID In Prisons : Consider Shifting Undertrials To Less Crowded Correctional Homes, Bombay High Court To State Sharmeen Hakim23 April 2021 1:44 AMShare This – xMumbai Arthur Jail Prison (Image : NDTV)In a bid to decongest overcrowded prisons in the State of Maharashtra and therefore prevent the spread of coronavirus in the prisons, the Bombay High Court has directed all the Judicial Magistrates to pass an order on applications seeking transfer of an inmate within 48 hours of the application being filed. A division bench of Chief Justice Dipankar Datta and Justice GS Kulkarni was hearing a suo motu public interest litigation on the issue, which the court took up based on media reports indicating close to 200 inmates and over 80 prison staff across various prisons had tested positive for coronavirus recently. There were 249 active covid cases among prison inmates and 97 active cases among staffers as of April 18, 2021. Yerwada Central prison is the most populated 6170 prisons despite an official capacity of merely 2449 inmates. “Having regard to the critical situation prevailing now and in order to ensure that under-trial prisoners lodged in various correctional homes of the State may be required to be shifted to less-crowded correctional homes to achieve equal distribution, and thereby decongest the over-crowded correctional homes, the State may proceed to decide on shifting some of such prisoners based on cogent reasons and we have no doubt in our mind that if an application is made before the relevant Magistrate in this behalf with relevant particulars, such application shall be considered on its own merits as early as possible and preferably within 48 hours of receipt of such application, in accordance with law,” reads the order passed by the bench on April 22, 2021. The direction was passed after Senior Advocate Mihir Desai, appearing for NGO People’s Union for Civil Liberties, submitted that transferring inmates from crowded prisons to lesser crowded ones could be a good option. Advocate General Ashutosh Kumbhakoni informed the court that such transfers required judicial orders from the concerned lower court. He cited the case of (2012) 13 SCC 192 (State of Maharashtra & Ors. vs. Saeed Sohail Sheikh & Ors.). As per the data provided by the State to the HC during the earlier hearing, the population of all the prisons across the State stood at 35,124 as against the capacity of 23,217, despite implementing last year’s orders of the Supreme Court, Bombay HC, and lower courts to decongest the prisons, owing to fresh arrests and conviction orders. The High Powered Committee in their last meeting, in May 2020, anticipated that a total of 17,642 prisoners would be released if their guidelines were followed. The total number of prison inmates was 35,239 at the time. During the same hearing, the bench had asked the State to send inmates aged 45 years and above for vaccination immediately upon arrest, if not already vaccinated. The court also issued a direction that any person be tested immediately after his/her arrest and be sent to a permanent prison only if the report shows the person as negative for coronavirus. If the report shows the accused as positive for coronavirus, then, he/she shall be sent to the concerned temporary prison. “Henceforth, immediately upon arrest of an individual on the ground that his complicity in a crime has transpired, the arresting police officer and the officer-in-charge of the police station to which such arresting police officer is attached shall arrange for Rapid Antigen and RT-PCR tests of such arrested accused and if, within a few days of receipt of the report he is remanded to judicial custody, he shall not be lodged in the correctional homes unless the report shows that the virus in him was not detected, or that it is a negative report. In case the arrested accused tests positive, he shall be lodged in the temporary prisons/Covid Care Centres,” the bench had said. The court also directed that video conference facility should be used for producing the accused before the concerned courts and therefore, it was desirable that the time/frequency of inmates being allowed to talk to their family members over the telephone be increased from once a week to twice a week. The court had also sought data on crimes committed after the State’s Government Resolution termed as “Break the Chain” dated April 13, 2021. However, the data submitted by the Advocate General pertained to crimes committed during the years 2020 and 2019. The court, therefore, granted more time to the AG to submit relevant data. The bench will now hear the case on April 27, 2021. Recommendations by People’s Union for Civil Liberties to be considered by the State.-More educational institutions need to be requisitioned for use as temporary prisons, especially in Mumbai, Pune, Nasik, and Kolhapur where the number of new positive cases and overcrowding is very high. Telephone facilities to be provided at these places.-Increase in the number of courts assigned to hear bail matters. -Increase testing as prisoners have complained RT PCR tests are rarely being done.-Vaccination should be arranged in prison to save travel time, few prisoners have been vaccinated.-High Powered Committee must meet to decide a revised criterion for the release of prisoners. -Changing criteria from prisoners alleged to have committed offenses punishable up to 10 years instead of 7 years will help in the decongestion of the prisons, considering prisons like Taloja only have Ayurvedic doctors. -Increase the number of phone booths in prisons. PRAYAS (a unit of Tata Institute of Social Sciences, Mumbai) made the following recommendations : Magistrates aren’t releasing Undertrial prisoners on PR Bonds, despite references by the Under Trial Review Committees, Prayas’s experience has shown that when UTRC refers cases for release on PR Bond to the trial court magistrate/judge, they do not always take a favorable decision of releasing the UTP on PR Bond. It is suggested that in the current situation, cases identified by the UTRCs for release on PR Bond should be forthwith released on PR Bond by the trial court magistrate/judge. HPC needs to issue fresh guidelines for the release of persons vulnerable to develop severe symptoms of Covid-19 The Under Trial Review Committees (UTRC ) should regularly monitor the list of UTs eligible for release as per the recommendations of the High Powered Committee and receive regular updates on actual releases.Click here to read/download the orderTagsBombay High Court Covid19 Prisons Suo Motu Maharashtra Government Next Story
Comments are closed. Keeping in touch with the talent poolOn 1 Nov 2002 in Personnel Today When it comes to finding the right people at the right time, having priorknowledge of who’s available is essential, says Liz SimpsonWhen headhunter Bob Lambert was chief HR officer for the Stride Rite shoecompany, he worked with a ‘world class’ director of executive recruitment namedMary, who focused her energies on extensive networking. Her Rolodex crammedwith 10,000 names, proved that she knew everyone who was anyone in the footwearindustry. That way, she could find out which people were unhappy in their jobsand which bosses regularly drove their staff to seek other positions. Mary’s skill in building trusting relationships, honed and refined over 20years, enabled Stride Rite to target suitable candidates for jobs even beforethey had decided to leave their current company. Although not always a fairassessment, the best talent is typically either working already or onlyunemployed for a very short period. Whether you’re operating in a market of 4 per cent or 10 per centunemployment, the challenge of passive recruitment remains the same: How do youfind the right candidates at the right time – which may involve a completelydifferent pool of individuals than those actively responding to current jobopenings – when you don’t have the benefit of a ‘Mary’? Now head of executive search firm Christian & Timbers’ SouthernCalifornia office, Lambert says there’s no substitute for the personal touch,but he acknowledges the advantages of technology that enables companies toattract, communicate with and – when appropriate – target passive candidateswho otherwise would be off their radar screens. Passive recruitment is a way of maintaining relationships with potentialcandidates who may not be ready to move into your organisation right now – butcould well be in the future. And thanks to the internet, building suchrelationships is easier than ever before. The biggest advantage of this internet-based technology lies in enablingusers to create a ‘community’ of passive candidates who might be willing to jumpship if the position and price are right. Jay Rombach, corporate HR consultant for Royal Caribbean Cruises’ shore-siderecruiting system in Miami, Florida, US, explains how it works for them. “We went live on 1 March, 2001 with Hire.com’s automated websitesolution. We get around 450 people visiting our jobs website every day, whichgave us the capability to build an online database of individuals who areintrigued about our company and may wish to work for us,” he says.”The fact they don’t need to post a CV but can fill out a personal profilethat’s as anonymous as they wish it to be is certainly a big enticement. “Within six months the system got its first real big test. We’d redrawnour sales regions to create a new area which opened up 15 sales positions. Weobviously needed to fill them quickly, given that these positions driverevenue. We filled all but two of them – which came from employee referrals –using Hire.com’s technology. The moment a job becomes available the systemsends an e-mail to each well-matched individual in our existing passive pool toask if they’re interested in applying. “From the time we posted these positions to the moment we got the rightpeople on board was around 45 days – which included flying them to Miami forinterviews. What also marked this as a huge success was the fact the monthlysubscription fee we pay for this service is significantly less than what wewould have paid in agency fees had we outsourced this recruiting instead,”he added. Rombach, who’s been a recruiter for 15 years, points out that in the ‘olddays’ someone might have faxed in their CV for a position they’d seen in aSunday newspaper which, if it didn’t meet those specific requirements, ended upstagnating somewhere in a filing cabinet. Not only does this technology helpyou maintain a more effective database, he says, but at the touch of a button,the system can identify those individuals who may have contacted your companyabout a different job at an earlier time and now match the criteria for acurrent vacancy. But specific jobs are not the only things attracting passive candidates tocareer sites. In the wake of the recent corporate scandals in the US,increasing numbers are saying they are most interested in working fororganisations with outstanding employer brands – those known for their ethicalstanding and excellent employee relations. Kim Peters, president of Toronto-based Workopolis, a leading Canadianinternet recruitment and job search firm says: “I would say that the earlyadopters of this technology are large organisations with recognisable brands,which could not keep track of the overwhelming response without it. Even ifthey don’t have an opening for that person today, they may need them in thefuture and so it’s advantageous to be able to maintain a ‘virtual’ relationshipwith them over time. “It’s also a strategic tool that can help any organisation build forthe future. As it matures, it will provide rich data on how long it takes tofill jobs in certain geographical areas or categories. In that way recruiterswill have a more accurate handle on the sort of lead times they need.” There are other knock-on benefits to HR professionals, as Sara Mateer,employment manager at engineering services and satellite hardware manufacturerSwales Aerospace near Washington DC, explains: “Once a member of ourtalent community has expressed interest in a particular position, the relevanthiring manager will require them to answer a set of qualifying questionsonline. These include standard questions around citizenship and education aswell as highly specific ones related to the duties and responsibilities of theposition offered. These responses flesh out the profile and information we haveabout that candidate in the same way as a preliminary phone screening,”says Mateer. “But instead of a third party relaying the intelligence to the hiringmanager, the moment the candidate hits the ‘submit now’ button, theirinformation is delivered immediately to the manager’s desktop, with a copy toHR, and is scored in a way that helps the manager decide which ones are worthinterviewing,” she says. “This is much quicker and effective than thetraditional paper process which helps the hiring manager stay in control oftheir hiring needs – especially important in a highly specialised industry likeours where we continuously need to source qualified candidates ahead ofdemand.” As with all technology, however, the system is just an enabler warns TonyLee, editor-in-chief of the Wall Street Journal’s on-line career site,CareerJournal.com. “The internet has certainly made it easier for people to identifyopportunities and investigate them in a way that helps protect their anonymityuntil an appropriate time – and there are advantages for companies using this kindof technology,” he says. “But if you want to engender any sort ofloyalty from passive candidates, sending them an occasional automated e-mailwon’t cut it.” Many companies have successfully maintained a relationship with outsidetalent through a good old-fashioned ‘buddy system’, he says. “Whencompanies receive an enquiry or a CV from someone, they assign a currentemployee as a ‘buddy’ to e-mail them on a regular basis, keeping themup-to-date with the organisation and establishing a personal relationship withthem over time. “There are advantages in using this kind of technology, but it can alsobackfire as it leads to expectations that you may not be in a position tofulfill,” Lee adds. “For example, you could regularly correspond with1,000 people, but over the course of two years only hire 10 of them. Thatresults in more bad will than good will.” Like most new approaches, online talent maintenance will develop and matureover time and is a big improvement on a paper-based system that did the recruitingdepartment no favours in trying to find and capture the right kind of talent atthe right time. As Christian & Timbers’ Lambert points out: “HR should not just beorder takers, simply trying to find candidates who are interested, qualified andavailable is a full-time job in itself. Hence there’s a lot of potential in aprocess that sources and automates an ongoing communication with large numbersof passive candidates.” From that point on, the more ‘high touch’ you can be with your existing andpotential talent, the more likely you are to capitalise on what comes to youthrough high tech. Royal Victoria Hospital, Barrie Canada: Keeping the CVs flowingLike many others who forecast,recruit and retain qualified staff in the healthcare field, Richard Kelly, HRdirector at the Royal Victoria Hospital in Barrie, situated 120km north ofToronto, Canada, faces many potential challenges. And the unprecedented growthof this highly desirable city, has had a knock-on effect on the hospital. Theincreased demand for medical workers, required to serve an ageing populationthat is living longer and requires more medical services, currently correspondswith a scarcity of family practice physicians, pharmacists and laboratorytechnicians, as well as some specialist nursing skills. Since it was opened at the end of 1997, demand for most of themedical services and programmes that this community hospital offers hasincreased by 68 per cent. And despite low turnover and long service employmentit doesn’t take a genius to work out that something must be done – soonerrather than later. Kelly therefore entered into a relationship with Workopolis,whereby potential candidates can be connected to career opportunities at thehospital – either via Workopolis’ website or the hospital’s own. As a result,the hospital’s search has been able to take on international dimensions. “Our recruitment efforts are very much at an internationallevel,” explains Kelly. “The internet gives us broader exposure to agreater source of candidates, but most importantly, it allows us to maintain arelationship with people with rare skills.”For example, we may be looking for more familyphysicians. When someone with such skills contacts us or applies for aparticular position, we can arrange for the system to automatically flag themfor attention. One of the reasons we entered into this programme was to have abetter way of managing the CV flow we currently receive.”Once candidates have registered their information on the hospital’scareer site, any future contact automatically updates that information. Thisconstantly updated database allows regular e-mails to be sent to passivecandidates to see if they’re still interested in working at the Royal Victoria.”The nature of the communication depends on thecandidate’s level of interest,” Kelly says. “It can be short androutine or, if there’s someone we particularly want to establish a relationshipwith, we’ll send them a kit offering information about the hospital and ourcommunity. Whenever we have an opportunity to bring folks to the hospital tocheck out our facilities, we arrange for their spouses to be taken on a tour ofthe city. We tailor that to their interests by sending an e-mail questionnairein advance so we know what they’d like to see while they’re here.”Not surprisingly, Kelly reports a high conversion rate betweenpassive candidates and future employees. Being ahead of the game is an vital to that success.”A key part of recruitment is ensuring that we have ourfull complement of people with appropriate skills, and we’ve been able tomanage that up to now. But we’re righton the edge when it comes to nursing and pharmacy personnel, and therefore haveto keep on top of this situation. That’s meant taking a much more progressiveand innovative approach than we may have done in the past,” Kelly adds.”We’ve more than 200 family physicians in the area andwhen they go to conferences they distribute information and refer to ourwebsite. Once suitable individuals come online we maintain regular contact.”Resourceswww.ctnet.com– Christian & Timbers, global executive search firmwww.hire.com – onlinerecruiting technology www.workopolis.com –Canadian provider of internet recruitment and job search solutions www.swales.com – SwalesAerospace www.careerjournal.com– The Wall Street Journal online career site Previous Article Next Article Related posts:No related photos.