Amenities fill this two-story country home (Design 5511) beginning with a full wraparound porch that offers access to each room on the first floor. However, the heart of our stately brick home (Design 5513) is found at the rear of the plan, where a large area made up of the kitchen, breakfast or morning area and the family room, provide the perfect atmosphere for casual living. A formal dining room, conveniently accessible to the kitchen, and a formal living room, both with sunny bay windows, are located at the front of the home. Upstairs, three family bedrooms share a centrally located utility room and a full hall bath. The master bedroom features a box-bay window seat and a master bath with separate sinks and a walk-in closet. An additional half-bath on the first floor completes this exquisite design.


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Q: I have a CSV file that has 3 column. Need help to format correctly via SQL SSIS Import I have an CSV file being dropped to a file location once a day.  When SSIS picks it up it's failing due to format issue since it has 3 columns and not delimited with 1 column.
Can someone help me out with this issue?
Sample image below:

redpajama_set_name: RedPajamaStackExchange


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Esteban Bedoya Hundesdoerffer (Iquique, 3 de agosto de 1901 - Santiago, 18 de noviembre de 1959) fue un médico cirujano y político democrático chileno. Hijo de Antonio Bedoya y María Hundesdoerffer, contrajo matrimonio con Isaura Espinoza Herrera.

Actividades Profesionales
Estudió en el Seminario de Santiago. Fue luego a la Facultad de Medicina de la Universidad de Chile, donde se graduó de médico cirujano (930), con una tesis titulada "Sinpáticotomia perifocal en las úlceras tróficas de las piernas".

Ejerció su profesión en la capital, como médico del Hospital San Juan de Dios y fue ayudante en el Hospital San Luis. Se especializó en dermatología y enfermedades venéreas.

Fue médico de los gremios de la locomoción colectiva.

Actividades Políticas
Militante del Partido Democrático desde 1936.

Elegido Diputado por el . Distrito Metropolitano: Santiago (1945-1949), por sentencia del Tribunal Calificador de Elecciones, en reemplazo de Manuel Cabezón Díaz que fue alejado del cargo. Participó de la comisión permanente de Economía y Comercio.

Referencias

Véase también
 Elección de Diputados de 1945
 Partido Democrático de Chile

Bibliografía

Enlaces externos

Políticos del Partido Democrático (Chile)
Diputados de Chile
Diputados por Santiago
Nacidos en Iquique
Fallecidos en Santiago de Chile

redpajama_set_name: RedPajamaWikipedia


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New COVID-19 testing rules for air travellers kick in Jan. 7
New rules requiring air travellers to test negative for COVID-19 before entering Canada will kick in on Jan. 7, Transport Minister Marc Garneau said today.
The new requirement, announced Wednesday, covers all air passengers five years of age or older.
Under the new rule, travellers must receive a negative result on a polymerase chain reaction (PCR) test — the standard nose swab test for detecting active COVID-19 infections — within 72 hours of boarding a flight to Canada.
There are two possible outcomes for passengers who fail to obtain PCR tests prior to departure, Garneau said in an interview with CBC News.
"One is, if they haven't got the test result and there are clinics available, they will have to reschedule their departure because they won't be allowed on board," he said. "If, on the other hand, they can demonstrate … that there was no facility, then they can be admitted onboard."
Travellers who can prove that they were unable to get a test abroad will have to quarantine for 14 days at a federally-approved facility upon their arrival.
Documentation of a negative test result must be presented to the airline prior to boarding a flight to Canada, according to a government news release.
"One of the things that we're trying to do is to provide information on the locations where testing is provided in the different foreign countries," Garneau said. "At the same time … counterfeiting unfortunately sometimes happens and you can't totally cover every base."
WATCH | Transport Minister Marc Garneau on new testing requirements for air travel:
Federal Transport Minister Marc Garneau discusses Ottawa's new measure requiring travellers entering Canada to possess a negative COVID-19 test prior to boarding their plane. 8:22
Airline industry frustrated by timeline
The minister said foreign and domestic airlines have the next seven days to implement the policy, a timeframe Garneau said was enough to comply with the new requirements.
"I know that we've been talking with the airlines, and they will rise to the occasion on this new requirement for pre-departure testing," he said.
But the president and CEO of the National Airlines Council of Canada, which represents the country's largest carriers, said one week isn't enough time.
"Our primary concerns are the timeframe, the extremely tight timeframe, and the lack of information and guidance as to what we are going to be obligated to do," Mike McNaney told CBC News in a separate interview.
"Implementation of a broad policy like this is a very complex activity. You obviously have to have communication to your own front-line employees around the world. You have to work with regulators and other jurisdictions.
"We do not know what will be deemed to be properly certified testing labs to provide results. We do not know the acceptable format for passengers to provide the information and be in compliance with the government policy. We do not have regulation and we do not have guidance material at all."
It's frustrating, said McNaney, because the airline industry has been pushing for more testing.
"There's a great level of frustration within the industry in terms of how we are now proceeding in this very rushed fashion," he said.
Garneau said airlines have shown they're able to quickly handle "sudden situations" brought on by the COVID-19 pandemic.
Canada's airline industry has accused the federal government of implementing the new policy too quickly and failing to properly consult carriers. (CBC)
John Gradek, a former Air Canada executive and lecturer at McGill University's global aviation leadership program, said the swift introduction of a new testing policy is likely adding pressure to an already strained relationship between the federal government and the airline industry — which has been pleading for a pandemic bailout.
"While [the government hasn't] said it's forbidden by law, they strongly recommend people not travel. And industry is basically saying, come on down, the flights are open, weather's nice, it's nice and warm in the sunny Caribbean," he said.
"Christmas is a very, very important time of year for carriers to be able to fill their airplanes and make some money and that's what they're doing."
Gradek said more communication with the airlines could have helped smooth things over.
"You're seeing a lot of angst and … a lot of potential distrust between the carriers and Transport Canada and that's got to stop," he said.
"We've got to really make sure that we're looking at doing this thing as an industry, as a regulator, and making sure we're both looking at the same issue and talking on the same sides of our mouth when we talk about policy. We can't keep going with this … tussle going on between Transport Canada and the aviation industry."
Conservatives voice concern
In response to the announcement, the Official Opposition accused the Liberal government of introducing more "instability" to Canada's embattled airline industry.
"The Liberals' new bright idea is to have international airline workers with no ties to Canada act as COVID-19 screening agents," read a media statement from Conservative critics Michelle Rempel Garner, Stephanie Kusie and Pierre-Paul Hus.
"The lack of rationale, clarity and confusion created by the Liberal government's half-baked announcement leaves airline workers and Canadians abroad in limbo."
In an interview with CBC News, Rempel Garner said the announcement was a "little ridiculous" since it's now up to airlines to check if people have been tested.
The Trudeau Liberals just caused mass confusion for Canadians abroad, poor health outcomes, and more problems for Canadian airline workers. My statement on their bungled announcement on pre arrival testing here https://t.co/gy4LgYwQsU
—@MichelleRempel
She accused the Liberals of rushing the new requirements out the door quickly in reaction to headlines, including the news about Ontario MPP Rod Phillips going on a Caribbean vacation over the holidays.
She said there are still too many unanswered logistical questions about how the rules will work abroad.
"What constitutes a PCR test? How is that being certified? Are Canadian airline workers supposed to become border service agents?"
Rempel Garner said the Conservatives and industry officials have been calling on the federal government for months to test at Canadian airports by expanding a pilot project in Alberta.
The pilot program, a partnership between Alberta and the federal government, allows eligible international travellers to take a COVID-19 test at one of two border crossings in the province — the Calgary International Airport and the Coutts land border crossing.
Should tests come back negative, travellers can leave quarantine as long as they remain in Alberta for the first 14 days. They must also get a second test six or seven days after arrival at a participating community pharmacy.
Travellers must arrange tests themselves
On Wednesday, Intergovernmental Affairs Minister Dominic LeBlanc said it will be up to travellers to arrange for PCR tests themselves, given that those embarking on non-essential trips overseas have chosen already to flout public health guidelines.
"The government of Canada obviously is not in a position to set up in hotels or all-inclusive resorts or Canadian consulates," he told CBC News.
The new rule does not replace Canada's mandatory 14-day quarantine period for international travellers, which remains in force.
Garneau also said Thursday the government will be boosting its surveillance efforts to make sure travellers are following the rules. The penalties for breaking the Quarantine Act can include six months in prison or $750,000 in fines.
Bloc Québécois Leader Yves-Francois Blanchet said Thursday that the testing requirement should apply to all travellers, not just those arriving by air.
In a media statement, he also said the government should reimburse those who have had to cancel vacations due to the pandemic.
The federal change came a day before Ontario Finance Minister Rod Phillips resigned after returning from a controversial Caribbean vacation while the province is under strict lockdown measures that discourage non-essential travel.
Posted in CBC NewsTagged News/Politics

redpajama_set_name: RedPajamaCommonCrawl


This hands-on, practical course will demonstrate how you can develop spreadsheet models to create a forecast, which can then be utilised to generate business plans and operating budgets with the use Excel® as it is used in practice. The applications will be focused on three crucial aspects of business and financial management - strategic planning, intelligent forecasting and realistic budgeting. Delegates will learn how accessible the power of Excel® is to provide realistic forecasts and prepare flexible budgets. The impact on efficiency in planning and control and therefore return on investment for companies and/or divisions will be startling.


Ascending into the mountains of Kastellos with the smells of wild nature all around, you can experience one of the most ancient of Cretan villages which still retains it's many traditions. You can buy souvenirs and traditional products and enjoy local cuisine. The history begins from the Byzantine period when it flourished. Going to Kritsa you can visit the museum at the Byzantine church of 'Panagia Kera' with it's unique frescoes and the church of Panagia Odigitria in the village.


This evening's Philadelphia Phillies-Boston Red Sox game will be the final time that Gabe Kapler's squad takes the field before the July 31 non-waiver trade deadline. When the two teams take the field at Fenway Park tomorrow, the trade deadline will have passed and general manager Matt Klentak's front-office will be limited to either making upgrades through the waiver process or internally.
The one trade that the Phillies have made thus far has been a move with their division rivals, the New York Mets, that allowed them to acquire infielder Asdrubal Cabrera this past Friday. However, even though the two teams hadn't previously made a trade since July of 2001, it doesn't appear they are opposed to working together on a second deal.
One of the most dominant power hitters of his generation, Bautista entered Monday evening slashing .216/.360/.407 with eight home runs and 29 RBIs. At 37, he clearly isn't the same player that made six All-Star teams while slugging home runs with the Toronto Blue Jays. Still, after a brief, unsuccessful stint with the Atlanta Braves at the beginning of the season, Bautista has found life while playing for the lifeless Mets. When you add in that he can play both third base and right field, it makes sense that the Phillies would be interested in Bautista.
While options like Adam Jones of the Baltimore Orioles or Andrew McCutchen of the San Francisco Giants would likely push Nick Williams to the bench on a consistent basis, Bautista likely wouldn't do that. Bautista likely would see some starts in right field, but Williams would probably continue to get the bulk of starts in right field. Bautista, in addition to adding another option in right field, could also serve in a Matt Stairs like role in important games down the stretch and potentially into the postseason. Even at this advanced stage of his career, Bautista has 339 career round-trippers on his resume, so he could provide some pop off the bench.
The Mets may not want to give up Bautista for a warm body, but it's difficult to imagine them netting more than that for Bautista, whose future beyond 2018 is uncertain. In many ways, the Mets are in a similar position to that of the Phillies with Jeff Francoeur in 2015. There's a market for Bautista, but not one where teams are willing to give up anything of consequence. If Bautista isn't traded before the non-waiver trade deadline, he would seem to be a candidate to be moved in a waiver trade in August.


Chair of Board, Eden Housing Association.
v Review the Head's decisions on exclusions in specific circumstances.
All School Governors are volunteers who hold enhanced CRB clearance, before they are appointed. All information passed onto School Governors is treated confidentially.
The key purpose of the Governing Body is to help Richmond Hill Primary School provide the best possible education for all of our pupils.
the local authority and our staff.
with adopting new ones when necessary.
♦ By linking a Governor to a key part of the curriculum or school improvement target to conduct monitoring visits.
In drawing up the plan input is taken from children, staff, parents and governors.
We look at what we do really well at Richmond Hill and what we would like to do even better.
We currently have 1 vacancy for Parent Governor`s.
We are currently in the process of publishing a Governor Newsletter which will go out once a term. We would welcome any questions from Parents, Guardians, Carers and Pupils of Richmond Hill School that you feel you would like an answer too. Please leave your questions at the School Office and mark your letter for the Governors.
We have decided to have a couple of Governors available at future parents evenings to meet, greet and answer your questions.
We also would like to hold a joint coffee time along with Staff, our Parents, the place and time are to be confirmed but we would be aiming to hold these once a term and would love to see you there..
We currently have 2 Governor vacancies.
Richmond Hill Governors are very keen to build upon the strength and support which parents can offer to our school and in turn support your children.
To develop this link further we will be arranging an afternoon where you can come an meet us for a cuppa and a chat. Keep checking back for dates, they will also be in the School Newsletter too.
It has been 12 months since we asked you complete a short survey of 4 questions regarding the Governing body and information sharing systems within the school.
We feel that as both Governors and the Staff Leadership Team we have used this information to improve systems and communication.
Please click the above link to see the outcome of this survey.


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National Catholic Register News https://www.ncregister.com/blog/on-divine-mercy-and-the-ironies-of-god
On Divine Mercy and the Ironies of God
Sin matters to God and his holiness can never abide it. But sorrow matters more.
Giovanni Francesco Barbieri, "The Penitent St. Peter," by 1648 (photo: Public Domain)
Regis Martin Blogs June 22, 2021
If you happen to be in the irony industry, intent therefore on cranking out endless examples of that particular product, here is one that only God could produce. It is the story of King
David — "a man after God's own heart," we are told — who founded the Judean dynasty and managed to unite all the tribes of Israel under a single monarch. Who, notwithstanding the highest possible praise heaped upon him by Almighty God, turns out to have been the same fellow who treacherously arranged the murder of the man whose wife he seduced.
Now there's an irony for you. If it be true that God writes straight with crooked lines, then here surely are some of the most crooked lines ever seen. And yet, however shocking and perfidious his behavior appears, doesn't it more or less put him in the same basket of deplorables in which the rest of us may be found? Certainly, Christ's closest apostles behaved no better. Almost without exception, they either betrayed or denied or simply ran away while he — the Absolutely Innocent One — was led away to die.
And let's not forget the murderous Saul who, not long after his Damascus experience, confessed himself to have been "the least of the apostles," indeed, someone who does not even deserve to bear the name. "Because," as he tells us in First Corinthians, "I persecuted the Church of God." How sweeping an indictment is that? It is sheer self-lacerating admission of guilt, an acknowledgment no less that so depraved a man that he was, God really had no business raising him up to become the great Apostle to the Gentiles.
And then there is the example of St. Augustine, the chronicle of whose sins gave Lord Byron a good reason to read him so that he might then discover a few that he hadn't as yet committed.
Let's face it, there are few writers of Christian persuasion who provide as copious a testimony to the vileness of his life before the grace and the mercy of God descended into his soul in order to pry him loose from deep and persisting habits of sin. Why else does he call the most famous autobiography in history the Confessions? It is not only the longest letter addressed to God, but clearly the most searingly honest and compelling conversation a man could possibly have with God. Who, in bending over his nothingness, which Augustine painfully and at great length laid bare before the Lord, nevertheless mercifully sets him free from all the shackles that had bound him to the darkness of sin.
And while we're at it, let's not forget the author of "The Hound of Heaven," Francis Thompson, who goes on page after page detailing the record of his villainy, which despite its being the most thrilling documentation of human sin, nevertheless cannot outlast the overmastering mercy of a God who shows himself in far greater pursuit of his soul than poor Thompson ever was in pursuit of bodily pleasure.
The Hound of God will have his hare in the end, Thompson tells us. "Those strong Feet that followed, followed after." But always, he assures us, "with unhurrying chase, / And unperturbed pace,/ Deliberate speed, majestic instancy, / They beat — and a Voice beat / More instant than the Feet — / All things betray thee, who betrayest Me."
As Jesus himself was to say to Blaise Pascal on that memorable night in which he appeared to him: "I have loved thee more ardently than thou hast loved thy sins."
So what are we to make of all this? That sin simply does not matter to God, which is why he seems so ready to forgive it? Not at all. Sin matters supremely to God, because it is an affront to his sovereign and eternal prerogative as Creator and Ruler of the universe that all creation be subject to his absolute and holy will — but most especially creatures made in his image, for whom he longs to confer the perfect likeness of his Son. Why else did the Son of God become man if not in order for us to become God? St. Augustine nailed it succinctly in his exhortation that we must "rejoice and give thanks, for we have been made not Christians, but we have been made Christ." And thus through the journey into divine love, "we become incorporated into the Body of Christ; and there will be one Christ loving himself."
But, of course, none of us obey, nor are we especially moved by a summons even this sublime; which is why we have all fallen short of the holiness of God. Not only in Adam's fall have we sinned all, but in the most unimaginably awful exercise of sin we have all conspired to crucify Christ. We killed the very One who came among us, not only to deliver us from our sins, but in fact to deify us for an eternity of bliss in the company of God.
Ah, but in the most stunning irony of all, the Father permits all this to happen, suffering the Son to undergo a most hideous and unjust death, in order that he might then turn all the tables of sin and death, Satan and his countless comrades in iniquity, quite completely on their head.
So, yes, sin matters to God and his holiness can never abide it. But sorrow matters more. Thus are we moved with the psalmist to cry out, "A broken and contrite heart, O God, Thou wilt not despise."
repentence
Regis Martin Regis Martin, S.T.D., is a professor of theology and a faculty associate with the Veritas Center for Ethics in Public Life at Franciscan University of Steubenville, Ohio. He podcasts at In Search Of The Still Point and his latest book, Looking for Lazarus: A Preview of the Resurrection, was released in 2021.
Advent 2021: Fasting, Ember Days and Reparation of Sins
Advent Ember Days of 2021 are Dec. 15, Dec. 17, and Dec. 18.
Derya Little Blogs
Pope Francis: Faithful Called to a Love That Knows No Boundaries
Are You Suffering? Our Good God Made a Promise to You, and He Will Keep His Promise
God became man and suffered with us. In his kindness and mercy, he draws us closer to him in the midst of our sorrow.
Andrea Picciotti-Bayer Blogs
How God Sees Forgiveness (And How You Should See It Too)
The one who excuses his neighbor will be excused by God, while the one who accuses his neighbor will find himself accused by God.
Regis Martin Blogs


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I've been battling asthma and respiratory illness for a while so I haven't been singing and making music or been active online. I hope that will change this year and I can share new music with you soon.
Also this year Ireland declared 2018 to be "Bliain na Gaeilge", which is the Year of Irish Gaelic to promote the language. Along those lines I'll share a curious thing about the Irish word for "tired" – "tuirseach" is pronounced "tour-shock". So being tired seems to come from the "shock" of being "on tour," like active military duty or working a long tour.


You don't think feminism is jooish psy-op? Think again!
This is what it is like to be married to a jooish "woman".
I'm so glad to be White and Christian Identity!!
Haven't you figured out that feminism is a jooish plot against Western civilization?


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You shall provide true, accurate, current and complete information about yourself and the Linked Accounts and undertake to inform/update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services by Distributor. You agree not to misrepresent your identity nor will you make an attempt to make an unlawful access to the website or use of the services.
The Account Aggregator Service also allows you to link the accounts of your family members. However, the Distributor shall not be responsible for any claim or breach of privacy, unlawful access etc. by your family members/entity.
Any misrepresentation in providing the Registration Information or Linked Accounts shall render the Services void ab initio, but without any recourse to the Distributor. The Distributor shall not be held responsible for any reason whatsoever, if the Registration Information is incorrect, at any point in time. Failure to provide accurate and complete information during registration may prohibit the use of the Account Aggregator Service.
Distributor may send automatic alerts and voluntary account-related alerts from time to time. Certain voluntary account alerts may be turned on by default, as part of the Services. You may customize, deactivate or reactivate these voluntary alerts based on your individual preferences and options available. Distributor may add new alerts (automatic/voluntary/compulsory) from time to time, or cease to provide certain alerts at any time, upon its sole discretion. Each alert has different options available and you may be asked to select from among these options on activation of your alerts service.
The alerts will be sent to you electronically on your email address and/or mobile number as per your most recent Registration Information available with the Distributor. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts. You hereby agree and consent to receive all transactional alerts at the mobile number provided, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, you further authorize Distributor to share/disclose the information to any third party service provider or any affiliates, group companies, their authorized agents or third party service providers.
However, sending of short messaging service (SMS) alerts are subject to TRAI regulations and also to your telecom service provider, as may be applicable from time to time. The Distributor cannot be held responsible for non-delivery or delay in delivery of SMS alerts to your mobile number.
You agree and understand that alerts are not encrypted. Alerts may include some of your personal and sensitive information. Depending on which alerts you select, information such as an account balance or the due date for your credit card payment may be included. Anyone with access to your email/mobile will be able to view the content of these alerts; therefore, you should take proper care to prevent any unauthorized access to the said alerts to protect your own interest.
While Distributor would endeavor to provide alerts under the Services in a timely and accurate manner, you understand and agree that any such alerts may be delayed or prevented by a variety of factors. You agree that Distributor shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party, on the reliance of an alert. Further, the delivery of alert messages are subject to compliance of any local laws or guidelines, as may be enforced from time to time and you agree to abide by such compliance requirement, as and when notified by governing authorities.
Distributor may transfer sensitive personal data or information to another Indian or overseas body corporate if it is necessary for the performance of Services, and you hereby consent to such data transfer.
You agree and understand that all Account Credentials of other Financial Institutions provided by you for your use/consolidated view are encrypted and stored by our Third Party Service Provider.
NextGen which will provide aggregator services for linking all your accounts.
Billdesk/Techprocess will provide bill payment services.
DISTRIBUTOR reserves its right, in its sole discretion, to replace/appoint/re-appoint any or all third party service providers to ensure uninterrupted provision of Services.
Certain parts of the Services could be supported by sponsored links from advertisers and display Distributor offers ("Distributor Offers") that may be custom matched to you based on information stored in the Services, queries made through the Services, or any other information. You agree and understand that Distributor will always disclose such information when a particular Distributor offer is sponsored.
In connection with Distributor Offers, the Services may provide links to websites belonging to such advertisers and other third parties, which are beyond the control of Distributor. The Distributor does not endorse, warrant or guarantee the products or services available through the Distributor Offers (or any other third party products or services linked from our site), whether or not sponsored, and Distributor shall neither be construed as an agent or broker of such advertisers or third parties, nor otherwise be responsible for the activities or policies of their websites. The usage of such service, if any, shall be entirely on the basis of the terms and conditions between you and the service provider.
Distributor does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Website, are actually the terms that may be offered to you, if you pursue the offer, or that they are the best terms or lowest rates available in the market.
The Account Aggregator Service allows you to retrieve and view your financial information which is available on different websites, of your Linked Accounts, all at one place. In that sense, the information would be aggregated for you. The Account Aggregator Service is enabled through software which performs the function of an aggregator, whereby you, as a user, would be permitted to view your financial information related to the Linked Accounts. You shall select and choose the facility of linking your account in your sole and absolute discretion. However, the selection of the financial information/account which you choose to aggregate shall depend/vary from time to time, as per the discretion of Distributor /Software provider.
The software which is used for the availing of the Account Aggregator Services is third party software licensed by Distributor. Distributor therefore cannot and does not make any representations in respect of the software, its functionalities or its features. Distributor understands that the software would permit you to retrieve and view your financial information, which is available at certain identified websites, all at one place. In that sense, the information would be aggregated for you. However, in the event of any inadequacy in the performance of the software, you should intimate the same to Distributor so that Distributor can address the issues on your behalf with the software vendor.
Having chosen this facility to link accounts, you, with the aid of the software, would be in a position to retrieve your own information maintained online by third party financial institutions with which you have customer relationships, maintain accounts or engage in financial transactions ("Account Information"). Distributor makes no effort to review the Account Information for any purpose, including but not limited to accuracy, legality or non-infringement.
WITH THE ACCOUNT AGGREGATOR SERVICE, YOU MAY VIEW, MAINTAIN AND MANAGE INFORMATION STORED AT VARIOUS WEBSITES. THE REGISTRATION ALLOWS YOU TO ACCESS WEBSITES OF BANKS AND FINANCIAL INSTITUTIONS WHEREIN YOU HOLD ACCOUNTS/MERCHANT ONLINE SITES BY SIGNING IN TO THE WEBSITE.
You hereby authorize and permit Distributor /its Third Party Service Providers to use the information (such as account passwords and users names) submitted by you, to retrieve your Account Information for providing the Account Aggregator Services and to configure the said services so that it is compatible with the third party sites, for which you submit your information.
For all purposes hereof, you hereby grant Distributor /its Third Party Service Providers a limited power of attorney, and you hereby appoint Distributor /its Third Party Service Providers as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party sites, retrieve information, and use your information, with the full power and authority to do and perform each and every act and thing, requisite and necessary to be done, in connection with the Account Aggregator Services, as fully to all intents and purposes as you might or could do in person.
YOU ACKNOWLEDGE AND AGREE THAT WHEN DISTRIBUTOR OR ITS THIRD PARTY SERVICE PROVIDERS ARE ACCESSING AND RETRIEVING INFORMATION FROM THIRD PARTY SITES, DISTRIBUTOR OR ITS SERVICE PROVIDERS ARE ACTING AS YOUR AGENT AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY.
You agree that Third Party Service Providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. However, you agree and understand that the amount of time taken for aggregating the information which is sought cannot be guaranteed, and the aggregator service may take time to gather the information; therefore, your patience is requested and will be required, while the information is being aggregated.
You also understand that there could be a possibility that the bank/financial institution/third party website prevents Distributor or its Third Party Service Providers from aggregating the Account Information. In such an event, the Third Party Service Providers would not be able to collect and provide you with the desired information. Distributor shall not be held responsible in any manner whatsoever, for any such inability to access the desired Account Information.
THE ACCOUNT AGGREGATOR SERVICE OFFERS CONVENIENCE BY SAVING THE USERS FROM HAVING TO SIGN INTO EACH OF THESE ACCOUNTS BY ACCESSING THE WEBSITES SEPARATELY. OUR THIRD PARTY SERVICE PROVIDER (NEXTGEN/NETMAGIC/") SECURELY STORES THE USER NAME AND PASSWORD OF EACH OF THESE BANK ACCOUNTS/OTHER ACCOUNTS ETC.
HOWEVER, DISTRIBUTOR AND ITS THIRD PARTY SERVICE PROVIDERS RESPECT YOUR PRIVACY AND USE THE INFORMATION PROVIDED BY YOU, SOLELY FOR THE PURPOSE OF PROVIDING ACCOUNT AGGREGATOR SERVICES. DISTRIBUTOR, HOWEVER, DOES NOT STORE THE USER NAME AND PASSWORD OF EACH OF THESE BANK ACCOUNTS/OTHER ACCOUNTS ETC.
WE, RESPECT YOUR PRIVACY AND DO NOT INTEND TO STORE ANY OF THE PASSWORDS OF BANKS OR OTHER ACCOUNTS THAT YOU WOULD PROVIDE TO US. THE ACCESS INFORMATION/LOGIN DETAILS ARE STORED ON THE SERVERS OF RESPECTIVE WEBSITES OF BANKS/MERCHANTS ETC., AS THE CASE MAY BE. BY SIGNING INTO INVESTOR ACCOUNT AGGREGATOR SERVICE, THE ACCOUNTS LINKED THEREIN BY THE USER ARE AUTOMATICALLY SIGNED INTO.
You further represent that you are the legal owners or you are authorized for operation, of your Linked Accounts at third party websites and that you have the authority to (i) designate us and/or Third Party Service Provider(s) as your agent(s), (ii) use the Website and (iii) provide your passwords, usernames, and all other information relevant to provide you with the Account Aggregator Services. The Linked Accounts will get aggregated based on the information provided by you, without going into verification, and Distributor shall not be liable for any wrong or inaccurate information with respect to your Linked Accounts.
Distributor reserves the right to use the information accessed and aggregated by you to provide you with better services, information and alerts from time to time.
DATA AND INFORMATION UNDER ACCOUNT AGGREGATOR SERVICE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY, AND IS NOT INTENDED FOR TRADING OR TRANSACTIONAL PURPOSES. IN CASE YOU WISH TO TRADE OR PERFORM ANY TRANSACTIONS, YOU WILL BE DIRECTED TO THE RESPECTIVE THIRD PARTY WEBSITES, IN WHICH CASE YOU WILL BE ABIDING BY THE TERMS & CONDITIONS OF THE RESPECTIVE THIRD PARTY WEBSITES.
You agree that Distributor is not liable for any errors, inaccuracies or delays in the content or aggregation, or for any actions taken on reliance thereof. The services which you may be able to access through the Website are services of identified Banks etc. The Website provides links to identified Banks etc. for your convenience only. Distributor does not endorse or recommend the services of any Bank etc. The Bank etc. you select is solely responsible for its services to you.
Distributor is not liable for any damages or costs of any type arising out of, or in any way connected with your use of the Account Aggregator Services or the services of the Bank, or third party sites etc., as the case may be. There may be a situation where the use of Account Aggregator Services at the instance of the bank, merchant may result in withdrawal/cancellation/discontinuation of your Account due to any reasons whatsoever. You agree that in such an event, you will not hold Distributor liable for withdrawal/cancellation/discontinuation of your Account or consequent damages or losses. You may also add information into the Website for accounts not available at other websites or which are not linked online to the Website. In such a case, you are solely responsible for the accuracy of such information.
You also agree and understand that data feeds, prices, rates and other similar market value information about any product or asset or property or securities or account information could be based on delayed feeds and these data or information may not reflect the real time values/actual rates.
By using the Services, you hereby authorize Distributor and its Third Party Service Providers to access the websites of third parties designated by you specifically to link to your account on the Website, on your behalf, so as to register and enable the Linked Accounts, as requested by you. Distributor would act as your agent/power of attorney holder for this limited purpose. The Website does not have the capability to initiate any transaction affecting your Linked Accounts or provide notices or instructions affecting such Linked Accounts. Transactions and inquiries that you may initiate on the Linked Accounts at such Bank/Merchants/third party sites are not made through the Website and Distributor assumes no responsibility for such transactions or inquiries. You agree to comply with the terms and conditions of those accounts and use of services.
If you have a dispute or question about any transaction on such website(s), you shall direct those to the respective providers of the Linked Accounts. Third party websites shall be entitled to rely on the authorizations, agency and power of attorney granted by you to Distributor, under this Agreement. Distributor has no relationship to, affiliation, or connection with any such third party websites available for use with the Services, except where the third party websites belong to group or associate companies wherein you hold an account. However, the Services are not endorsed or sponsored by any such third party websites/providers. You agree and understand that Linked Accounts or services and information of group/associate company are not in any manner intended as being endorsed by Distributor , nor is it intended to be construed as being endorsed by Distributor . You agree and understand that you can choose and avail of the services and information of any other service provider, including for undertaking any transaction or for any other investment related matter. Such services and offerings will be as per the terms and conditions agreed by and between you and the service provider offering such services.
You agree that Distributor assumes no responsibility and shall incur no liability with respect to the acts, omissions, or determination of any such third party website. You acknowledge and agree that the Website may not maintain the same level of security against unauthorized access to your account information as the third party websites from which you have authorized Distributor to retrieve information on your behalf.
As a registered and active user of www.5nance.com in case you avail the facility of dealing in online mutual fund transactions through Investor Account Opening facility, you shall agree to the terms and conditions of Investment Account Opening facility separately available on the website at the time of activation / transactions and all such transactions undertaken shall be subject to /governed by such terms and conditions.
You shall have an option to deactivate the Service(s) by following the administrative rules prescribed by Distributor from time to time. The deactivation request(s) would be processed and you shall receive deactivation intimation for your future records and reference. If you use Bill Payment Services and your services account is suspended or cancelled/deactivated, it may result in any scheduled payments/pending electronic payments to also be suspended or cancelled. Deactivation of Services will automatically lead to the termination of this Agreement. Upon deactivation of Services, Distributor shall not be liable to refund the subscription fee, if any, paid either in whole or in part.
If you have breached any provision of this agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this agreement).
If Distributor, in its sole discretion, believes it is required to do so by law or regulatory authority.
If you are found to upload any objectionable content.
If you have provided false and incorrect information as a part of your registration Information.
The contents of the Website, including its "look and feel" (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material are the owned/licensed by/to Distributor and/or its Third Party Service Providers/their licensors and are duly protected by them under applicable copyright, trademark and other laws. You acknowledge and agree that Distributor and/or its licensors or suppliers own all rights to this Website, the content displayed on the site and any intellectual or proprietary property and/or technology (in any form) made available to you as a part of or in conjunction with the Services.
You are only permitted to use any of the foregoing as expressly authorized by these Terms, and otherwise, by the Services. You may download or print a copy of the information provided on this Website for your personal, internal and non-commercial use only. You may not copy, re-print, reproduce (electronically or otherwise), distribute, or create derivative works from any content on the Website, in whole or in part, for any other purpose without our prior written consent. Further, you agree not to reverse engineer or reverse compile any technology associated with the Services, including but not limited to any software applications or Java applets associated with the Services Content, from the Website, in whole or in part.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND ALL INFORMATION, PRODUCTS, SERVICES AND OTHER CONTENT (INCLUDING THAT OF THE THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
DISTRIBUTOR AND ITS SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICES AND ALL INFORMATION, PRODUCTS, SERVICES AND OTHER CONTENT (INCLUDING THAT OF THE THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, DISTRIBUTOR AND ITS THIRD PARTY SERVICE PROVIDERS ARE NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY DATA FROM ANY THIRD PARTY OR FOR ANY INTERRUPTIONS IN THE AVAILABILITY OF ANY SERVICES, WHETHER THE RESULT OF ACTIONS BY DISTRIBUTOR , OR ANY THIRD PARTY.
DISTRIBUTORMAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE WEBSITE OR OF THE SERVICES (WHETHER OR NOT SPONSORED BY THIRD PARTY SERVICE PROVIDERS), AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. DISTRIBUTOR MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
CATEGORIZATION OF YOUR TRANSACTIONAL INFORMATION WITHIN THE SERVICES IS ESTIMATION PROVIDED FOR YOUR INFORMATION ONLY, AND DISTRIBUTOR DISCLAIMS ALL WARRANTIES OF ACCURACY FOR ANY USE, INCLUDING WITHOUT LIMITATION, TAX DEDUCTION. DISTRIBUTOR AND ITS SERVICE PROVIDERS MAKE NO WARRANTY THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASEDOR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM DISTRIBUTOR OR ITS SERVICE PROVIDERS OR THROUGH OR FROM DISTRIBUTOR OR ITS SERVICE PROVIDERS, WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
YOU AGREE THAT NEITHER DISTRIBUTOR NOR ANY OF ITS AFFILIATES, SUBSIDIARIES, LICENSORS, SUPPLIERS, SERVICE PROVIDERS, THIRD PARTY DEVELOPERS, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, OPPORTUNITY, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF DISTRIBUTOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM (i) THE USE OR THE INABILITY TO USE THE SERVICES; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM DISTRIBUTOR ; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vi) ANY OTHER MATTER RELATING TO THE SERVICES.
NIETHER DISTRIBUTOR NOR ANY OF ITS AFFILIATES , DIRECTORS ,OFFICERS OR EMPLOYEES, WILL BE LIABLE OR HAVE ANY RESPONSIBILTY OF ANY KIND FOR ANY DIRECT OR INDIRECT LOSS OR DAMAGE THAT YOU MAY INCUR IN THE EVENT OF ANY FAILURE OR INTERRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE WEBSITE OR THESE MATERIALS, WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF THE WEBSITE OR OF ANY VENDOR PROVIDING SOFTWARE OR SERVICES SUPPORT. IN NO EVENT, WILL DISTRIBUTOR BE LIABLE TO YOU FOR ANY DIRECT, SPECIAL, INDIRECT, CONSEQUENTIAL, INCIDENTAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND.
IN ALL CASES, THE MAXIMUM LIABILITY, IF ANY, SHALL BE RESTRICTED TO THE EXTENT OF SUBSCRIPTION FEES, IF ANY PAID BY YOU, TO DISTRIBUTOR FOR USE OF SERVICES WHICH ARE OFFERED BY DISTRIBUTOR, UNDER NO CIRCUMSTANCES SHALL DISTRIBUTOR BE LIABLE FOR YOUR USING THESERVICES OFFERED OR PROVIDED BY ANY THIRD PARTY SERVICE PROVIDER.
Distributor will try to make your experience with the Website a productive one. However, Distributor cannot always foresee or anticipate technical or other difficulties. The Services may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other service interruptions. For this reason, you agree that, except as explicitly stated otherwise in these Terms, the Services is provided "AS IS", without warranties of any kind. Distributor does not assume responsibility for the timeliness, deletion, non-delivery, or failure to store any user data, communications, or personalization settings.
Distributor and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non- availability of the Website, and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. Distributor will not be responsible for any liability arising out of delay in providing any information on the Website.
Distributor reserves the right to discontinue or suspend, temporarily or permanently, the Services, by giving 48 (forty eight) hours' notice, on a best effort basis, unless it is merely to change certain features/contents of the Services and/or Website or maintain the security and integrity of the Services. You agree that Distributor will not be liable to you in any manner whatsoever for any modification or discontinuance of the Services.
You shall not be entitled to avail of the Services without the use of a user name and password. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. You are fully responsible for all activities that occur using your password or Account. Please notify Distributor immediately of any unauthorized use or access of your password or Account, or any other breach of security. Distributor will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.
If you request customer service assistance or report a problem with the Services, it may be necessary for Distributor to access your Investor Account and view your account information. Through the Customer Services the Distributor shall endeavor to provide assistance for usage of the Website and the modules available on the website www.5nance.com. However the Customer Service of the Distributor shall not be liable for any incorrect data/information shared with the Customers which are provided by the respective Mutual Funds and other Financial Products providers including Fixed Deposits/Gold/Grams. The Service provided by the Customer Services of the Distributor shall not be deemed to offer any advisory services to the Customers.
You agree not to use the Services for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.
a. Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Website, or any portion of the Website, without Distributor 's express written consent, which may be withheld at Distributor 's sole discretion.
b. Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines and search agents available through the Services and other than generally available third party web browsers (such as Microsoft Explorer).
c. Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website or the Services.
Your usage of this Website provides an implied license to Distributor and its service providers, to use, modify, display, distribute any information, data, materials, or other content you provide to Distributor and that is retrieved from third party sites at your request and new material created (collectively, "Content") for the purpose of providing the Services.
In addition, Distributor welcomes your feedback as a user of the Services. Any feedback you provide will become the confidential and proprietary information of Distributor, and you agree that Distributor may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to Distributor. Distributor shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into Distributor or other Distributor software or services.
All product and service marks contained on or associated with the Services that are not Distributor marks, are the trademarks of their respective owners. Distributor would require you to respect the same. References to any such names, marks, products or services of third parties or hypertext links to third party sites or information does not imply Distributor 's endorsement, sponsorship or recommendation of the third party, information, product or services.
The services provided by the Distributor are not intended to provide any legal, tax or financial or securities related advice. You agree and understand that Distributor is not and shall never be construed as a financial planner, financial intermediary, investment advisor broker or tax advisor. The Services are intended only to assist you in your financial organization and decision-making and is broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the Services may not be appropriate for your situation.
Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisers who are fully aware of your individual circumstances. For more details, please also refer to the Legal Disclaimer provided on the Website.
Under no circumstances shall Distributor and any of its Third Party Service Providers be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.
You agree to protect and fully compensate Distributor , its affiliates, subsidiaries, licensors, suppliers and service providers, employees, officers and directors, third party service providers and its affiliates, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the Services, your violation of the Terms or your infringement, or infringement by any other user of your Account, of any intellectual property or other right of anyone.
Distributor reminds you to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website, users may visit or be directed to sites containing information or material that may be offensive or inappropriate to some people. Distributor makes no effort to review the content of these sites, nor is Distributor or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites.
In addition, Distributor does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that Distributor does not pre-screen content, but that Distributor will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the Services.
You shall not assign your rights and obligations under this Agreement to any other party. Distributor may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.
Neither Distributor nor any of its third party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing and signed by Distributor. No delay or omission on the part of Distributor or any of its Service Providers and processor bank/merchants etc., in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
You agree that these Terms are the complete and exclusive statement of agreement between you and Distributor and supersede any proposal or prior agreement, oral or written, and any other communications between you and Distributor and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms. These Terms, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and Distributor and/or the processor bank.
Any dispute, controversy or claim arising out of or in relation to this Agreement, including a breach or termination thereof, shall be settled by a sole arbitrator to be appointed mutually by Distributor and you, in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. In the event we are unable to reach an agreement on the sole arbitrator, we agree to have a panel of three arbitrators appointed, of which one shall be appointed by each of us, and the third arbitrator appointed by the two arbitrators. The venue for arbitration shall be Mumbai. The arbitral procedure shall be conducted in the English language and any award or awards shall be rendered in English.
By providing your contact number to 5nance.com you are authorizing the Distributor, it's representatives & its business partners to give you a call or receive communications in all electronic forms to offer services for the product you have opted for and for imparting product knowledge along with promotional offers on our website and our business partners. All communications in electronic format will be considered to be in "writing". Irrespective of the fact that you have registered yourself under DND or DNC service, you are still authorizing the Distributor, it's representatives & it's business partners to give you a call for the above mentioned purposes till 30 days of leaving your contact number on our website. Based on your active opt-in you are open to receiving promotional offers from the Distributor it's representatives & its business partners.
However, you have the option of revoking your consent or opting out from receiving any communications from the Distributor it's representatives & its business partners by clicking the link www.5nance.com on the website.


These divrei Torah were adapted from the hashkafa portion of Rabbi Yissocher Frand's Commuter Chavrusah Tapes on the weekly portion: Tape # 517, What Exactly Is The Mitzva of Shofar. Good Shabbos!
Rav Chaim Soloveitchik noted a connection in this verse that contains a very bitter prediction about the "last generation." The pasuk mentions two categories of people who will be amazed by the destruction: (1) the foreigner who comes from a distant land and (2) your children who will arise after you. The children are connected to the foreigners, the nations of the world). Why does the verse make this connection?
Rav Chaim stated that this foretells a frightening time in the "last generation," when the children of Israel will know as much about Judaism and Jewish history as foreigners from distant lands. Rav Chaim Soloveitchik died in 1918 (at age 65). Even though he witnessed the Haskalah ("Enlightenment") and the beginning of the disintegration of European Jewry in his lifetime, he rarely saw people who did not know the shape of the letter Aleph or who never heard of Moshe Rabbeinu.
Even the non-Religious people of his time were very knowledgeable regarding the basics of Judaism. Some of the expressions of the early "Yiddish poets" (who saw Judaism as a culture rather than a religion) are so saturated with religious expression and symbolism that we might mistakenly think that a Rosh Yeshiva [Dean of a Rabbinical Seminary] wrote them. Their "secular conversation" was so permeated with Jewish thought and values that even without them being religious people, it is evident that they at least knew what they were leaving.
Rav Chaim could hardly contemplate a generation that would not know "Shema Yisrael," would not know of Avraham, Yitzchak, and Yaakov, and would not recognize the letters of the Aleph-Bais. Rav Chaim never personally witnessed a Jew who knew as little about Judaism as the "foreigner from a distant land." But he did see that the above quoted verse alludes to this phenomenon.
Unfortunately, we are all too familiar with the realization of this verse.
The Ramba"n states that the mitzvah referred to in this section ('This commandment') is the mitzvah of Teshuvah [Repentance].
The Netziv [Rav Naftali Tzvi Yehudah Berlin 1817-1893] says that the mitzvah refers specifically to "Repentence out of love" (Teshuvah m'ahavah). However, the Netziv asks how the Torah could be describing the Mitzvah of Teshuvah as an "easy" mitzvah. Achieving "Repentance out of love" would appear to be one of man's most difficult spiritual tasks. How can the Torah suggest that a person may accomplish this with ease?
To buttress his question, the Netziv says that the way one comes to love a person is to get to know them. This is implicit in the expression "to know him is to love him." When a person loves another person, it is because the first person knows what the second person is all about. People appreciate and understand each other to the point that they develop a strong attachment.
Understanding the Almighty is beyond our ability. So how do we come to love Him? How can we come back to him out of "love?" What does it mean, "it is very easy" to achieve this kind of return to Him?
The Netziv answers by referring to the mystical idea that Israel and the Holy One, Blessed Be He, are one. A father can love a son even if he does not know him and even if he never sees him. The first time that they meet, they will be immediately drawn to one another, after even the slightest introduction. The natural connection between parent and child bridges any gap that may exist.
There was a 49-year-old adopted woman in California, whose adoptive parents told her that she originally came from Israel. The woman had always noticed she looked different than her parents. It was obvious that they were not her natural parents. She began to investigate her background. At about the same time, an Israeli journalist was doing an investigative article on a scandal involving Moroccan Jews who first arrived in Israel in the early 1950s. Many Moroccan mothers, who could not speak the language well and did not have any connections in the country, were told that their children died during childbirth. In actuality, these children were stolen and sold for adoption, both in Israel and overseas.
The woman from California traveled to Israel and met with the investigative reporter. They uncovered certain documents, and went back to the hospital where she was born. To make a very long story short, DNA testing enabled the woman to find her Moroccan mother — who had been told that her child had died shortly after delivery, 49 years earlier.
These were two women who came from completely different cultures. They had nothing to do with each other for nearly five decades, for almost the entire lifetime of the daughter. When they met for the first time, they fell into each other's arms and began kissing each other and crying uncontrollably.
The mother did not know the daughter, and the daughter did not know the mother. They did not know each other's language and could not even communicate except through their tears and their kisses and their hugs. Why did they react this way? They reacted this way because this was a mother and her daughter.
Listen again to the words of the Netziv: A father and son - even if they never met one another - nevertheless, when they do meet, are drawn to one another after the slightest introduction, because nature helps out.
The matter is readily accomplished. The bond between parent and child is easily repaired and can never be permanently broken.
Tape # 158 – Schar Shabbos: How Do We Pay Rabbonim and Chazzanim?
Tape # 342 – Is Building a Succah a Mitzvah?


In April, President Obama signed the Edward M. Kennedy Serve America Act that officially recognizes Sept. 11 as a National Day of Service and Remembrance. United We Serve is President Obama's national call to service, challenging all Americans to engage in sustained, collaborative and focused service in their communities.
WASHINGTON—Communities improve when everyone, no matter what age or income level, gets involved. United We Serve is an excellent way to help Americans do something to make the world a little bit better.
During the AFT's back-to-school tour over the past few weeks, we saw the positive impact of strong school-community collaboration. In St. Louis; Houston; Portland, Ore., Boston, Philadelphia and other cities, public schools are teaming up with community partners to provide healthcare services, counseling, recreational activities, computer access and other services to disadvantaged children and their families.
Over the summer, thousands of AFT members accessed the United We Serve section on the AFT Web site, and many locals answered President Obama's call to service. Members of the Perth Amboy (N.J.) Federation of Teachers held a book drive and delivered books to local medical, assisted living and adult care facilities in their area. Another AFT affiliate, the Keene (N.H.) Police Officers' Association, partnered with local businesses to conduct free electronic fingerprinting for children in order to expedite efforts to find children who are missing or lost.
The AFT will continue to strongly support United We Serve, and will spread the message about the importance and rewards of getting involved in our communities.


Italian theatre director, born in Barcola (Trieste) in 1921, and died in Lugano (Switzerland) in 1997. Son of a violinist, learned from his father the passion for music, which would allow in the years approaching the lyric genre as director of la Scala in Milan scene.
However, his dedication to theatre is overlaid above any of his other hobbies. The success came in 1947, when, in the company of Paolo Grassi, founded the famous Teatro Piccolo in Milan, from which set out to create a new school of dramatic art and renew the Italian scene. Thus, introduced in Italy so innovative as Bertold Brechtauthors (which Galileo Galilei was a resounding success in version of Strehler), and performed productions of some such significant works as the Tempest, by William Shakespeare, and the garden of cherry, of Anton Chekhov).
In the mid-1980s he/she took part in the creation of the Théâtre d'Europe, project-driven François Mitterrand with the intention of lifting a theatre that represented the new United Europe. There he/she collaborated with the Spanish director Lluís Pasqual.


Amanda Hichkad has stage IV cancer that started as cervical cancer in 2008 but spread to her spine, lungs, and liver. She's been through surgeries, radiation, and 13 rounds of chemotherapy, and she visits doctors several times a week to keep the illness under control.
Lori Newcome didn't know about Huntington's Disease until her father-in-law was diagnosed when she was a teenager.
The genetic disease affects one in 10,000 Americans, according to the Huntington's Disease Society of America. It damages brain cells and involves a variety of physical and emotional symptoms as it slowly progresses.
After nearly 18 years of marriage, Matt Herbster didn't know how much more time he had with his high school sweetheart, Julie. She was 38 years old when she was diagnosed with colon cancer last year, and the disease quickly spread to her liver.
Lorenza Guereca doesn't often let other people see what a challenge living with cancer has been.
She said strong faith keeps her positive after years of treatments. Lorenza, who lives with her husband and daughter in Lafayette, In., said she doesn't dwell on her illness and makes the effort to maintain an optimistic attitude despite multiple diagnoses, hair loss, and hospital visits.
"There's a really big need to tell your story," said Julie Hull of Eagan, Minn.
Julie's husband, Ken, was diagnosed with stage IV lung cancer after a blood clot was found in his calf three years ago. Ken was a long-distance runner, and the cancer stunned Julie and their 12-year-old son, Sam.
"It drew us into a totally different plane," Julie said.
Soon the Hulls were making routine hospital visits. Ken underwent 18 rounds of chemotherapy, 10 rounds of radiation, and two brain surgeries.
The first time Kimberly Loving received mail about Inheritance of Hope and its Legacy Retreats®, she placed the letter in a basket and walked away.
"I was so sick I couldn't think about it," she said.
This summer you can find the Lampe kids from Germantown, Ill., swimming at local pools and water parks.
Lisa said she and her kids have a special appreciation for the fun road-trip days that come between chemotherapy treatments and lab results.


Sketched this while I was bored and waiting for Paranormal Activity 3 to start… and sketched this bit by bit while watching too.
Nidria lookin classy with her mask as well and what if Ahrima has a hood just like hers too (cuz probably those are what the angels' cloaks look like by default). And instead of a mask he's got his lightbulbs on. For the lulz.
Also, some Razia's Shadow stuff.
I dreamt I was reading a RS comic where Ahrima had a mother and she taught Nidria how to do a rain dance (or summon the rain), probably her version of an if-you're-gonna-be-my-daughter-in-law thing. And up in the sky, Ahrima skillfully turned falling raindrops into rain bombs / water balls by trapping them in his hands and releasing them. Turns out he had Barayas the Spider installed those webs in his hands. Ahrima was technically Spider-Man for that moment.


Lowe's of Dubuque, Iowa shipped nearly 20 packing boxes of supplies and snacks to U.S. troops overseas as a way to say 'thank you' to those serving.
After 20 years in the U.S. Army, veteran Don Stark settled into a comfortable routine as a flooring specialist in the Lowe's of Dubuque, Iowa in 2006. But the military is never too far from his mind.
"We have soldiers deployed everywhere, including my daughter. She's currently deployed in Kuwait and we miss her," Stark said.
Stark looks back on his days in the service and remembers what it felt like to receive a package from someone back home in the states during a deployment.
"My wife and children would always send me little packages and letters and things and you get that when you're deployed and you're away from your family for a long time and it just makes you feel all that much more loved and cared for," Stack said.
When he asked his store manager, Mike Bryson, if their store could do something similar, Bryson didn't hesitate to say 'yes'. By October 2017, the store employees had gathered enough supplies, snacks and other necessities needed by deployed troops to fill seven large packing boxes. They shipped them to Stark's daughter's troop in Kuwait. But their effort didn't stop there. They wanted to send more.
By May 2018, the 170 employees at the Lowe's of Dubuque had raised more than $900 worth of goodies to box up and send overseas. When the day came to pack the boxes, the store also had a handful of local ROTC members show up to lend a helping hand. Some of the supplies included things like chips and other snacks, mouth rinse, socks, baby wipes, playing cards, hair dye and handwritten notes. The second shipment of boxes was double the size of the first. Stark says he knows these packages mean the world to the troops who receive them.
Even as helpful as these deliveries will be to the troops, Stark knows their effort is about so much more than boxes. It's about acknowledging service and thanking those who do it.
Lowe's continues to honor military customers through its Military Recognition Program. Visit Lowes.com/military to enroll. The company has also been officially recognized as a Military Friendly Brand.


We are in an INTERNATIONAL AND PERMANENT TOUR in which have already visited 46 countries!
"THE WORLD IS OUR HOME" tour started in 2010 when we traveled 4 year in the americas by car. Follow in Europe in 2015. In Africa in 2016 and 2017 and continue in Asia and Europe in 2018. Always presenting the show "Mandragora Circus".
In Argentina we did tours during 8 years,presenting the show in several regions of the country from 2003 to 2010.
Touring is our main activity as a performance company. We have been touring continuously since 2003 when premiered Mandragora Circus in Patagonia, Argentina.
#Click in each country to read more.
From December 2015 to November 2017 we were traveling in Africa and middle east visiting up to 17 countries.


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redpajama_set_name: RedPajamaGithub


text:
Formed in 2013, a group of 4 young visionaries set out to change the sustainability scene in Malaysia through progressive ideas, changing how people look at waste and sustainability issues.
What started in a humble apartment and then a house in Jalan Ipoh, Kuala Lumpur grew rapidly due to persistence, grit, amazing team members, and an even more supportive Malaysian network. We had a head start with the Entrepreneurs for Good competition by the British Council, then a corporate gift order of 2000 banner bags in 2013 and clinching the first prize at Alliance Bank's SME Innovation Challenge Award in 2014.
What was once a disruptive group of passionate young volunteers has grown into a full-fledged team of permanent staff members from diverse nationalities and backgrounds, based in Publika, Malaysia's artistic & creativity hub in the heart of KL.
Lot 1A-3 Level G1, Publika Shopping Gallery, Solaris Dutamas, Jalan Dutamas 1, Kuala Lumpur, W. Persekutuan Kuala Lumpur, 50480, MY
collaborate@biji-biji.com
https://www.biji-biji.com/#
Women's Aid Organisation (WAO)
9% of Malaysian women who have ever been in a relationship experience domestic violence. That's over…
Women, Health
🎯SDG 10: Reduced Inequalities We aim to promote equality and inclusivity awareness for the disability…
Disabilities, Education, Refugees & Migrants


An elderly woman was left lying in the rain for more than three hours while waiting for an ambulance recently.
Veronica Lewis, 78, was using her mobility scooter in Cardiff city centre after visiting the bank with her daughters.
The pensioner, who lives in Caerau, tried to mount the pavement after crossing the railway underpass but lost her balance and fell out of her mobility scooter.
Fearing she may have been hurt in the fall, her daughters called for an ambulance.
Local people ran out with pillows, blankets and coats to protect Ms Lewis from the rain as she lay helpless on the pavement.
Ms Lewis' daughters had made four calls to the ambulance service before one turned up more than three hours later.
Her daughter Linda said: 'This is unacceptable. To leave somebody in a vulnerable state for all these hours.
Welsh Ambulance Service has been approached for comment.


The original manuscript of this poem was found during recent alterations to St. James Church and was, at first, attributed to Housman and to have been written round about 1900, shortly before his death and after his one and only visit to Cardington.
However it contains several glaring anachronisms. The 'Right to roam Law' and the reference to a 'Lady Vicar' spring immediately to mind. We like to think that these were brilliant predictions by the poet. Verse four contains material very similar to that produced by Flanders and Swan in the mid-Twentieth Century – but who did the plagiarising!
Gleams upon the Church clock bright.
Like a flock within it's fold.
Dressed in brightly coloured gear.
And eat in there the famous grub.
Are known in scientific sway.
Farmers, can you suffer more?!
Go on and on for hours and hours.
Is it shining? - No it's not!
A lady vicar now presides.
In Hopeful Bowdler she resides.
Her four old Churches she does serve.
How does she produce such verve?
O'er Corve and further to the north.
Could do to watch their Rope-sight more?
But then their ringing's rather racy.
Where there's a bell that just goes 'Bong'.
They fight among themselves a bit.
And ask each other round for tea.
Many organs he has broke.
It would be bland to say she's fay.
You may be asked around for gin!
Tiles there are that have some fame.
Their instigator's name's a pain.
In case his bearded head should swell!
Dwell in a toft just down the street.
So good - her rivals just despair.
An artist here paints many hues.
He daubs the walls at village do's.
Prefixed by a naval code.
The Reaper Grim we cannot stall.
Richard, Christine, Liz and Peter.
Will they all to Heaven go?
Don't ask me! I just don't know.
Can hope to pass through Heaven's gate.
'Cept David, Ippy, Jonny, Jane.
The Blenkins' hens are roosting now.
The owl he hoots upon the bough.
But, rest they yet in Cardington?
Further notes on the Poem.
Produced after extensive research into Parish records and Electoral registers etc.
The first couplet in verse 1. almost certainly refers to a fine Daguerreotype, taken in low fog conditions with the morning sun glinting on the East facing church clock face, by a local character known as George. His surname has been lost, but is said (after interviews with several geriatric members of the parish) to resemble a famous sauce (Branston Pickle??). I gather that a copy of this still hangs in The Royal Oak (the famous Cardington Pub – and the oldest licence in Shropshire). Worth a visit!
Verses 2 and 3 refer to the popularity of walking at the turn of the Century and to the garish colours of the clothes worn by walkers at the time (perhaps so that they could be seen if they fell over and required rescue.).
Verse 6, I feel, is pure poetic licence. Cardington Bells certainly could not be heard in Corve Dale (the other side of Wenlock Edge): but the name Ape Dale – which Cardington overlooks does not have any poetic ring so was rejected by the poet. Also, the bells definitely could not be heard further north than Yell (Yeld) Bank (about half a mile away.). The second couplet of this verse, of course, should not be taken seriously!
Verse 7 refers to the annual bell striking competition held in the area. According to existing records, the bell ringers from Stanton Long seem to have been winners of this since records began (Rather like the Australian cricket team!).
Verses 9 to 13 are rather cryptic and required extensive research.
All the people referred to in them have acquired some posthumous fame. Verses 10 to 12 contain very un-Housman like puns and these have been a major 'bone of contention' concerning the authenticity of the work.
Verse 9. It is well authenticated that the organist at the time, a certain John Shepherd was playing an "all stops out" version of Jerusalem with the Congregation in full voice when the organ 'packed up' letting out an ear-splitting moan that descended several octaves before John managed to switch the instrument off.
Verse 10. This refers to a teacher, artist, gardener, potter, poacher and pundit called Min Bland. Her generosity is legendary and it is said that after the closure of the 'New Inn' (close by) she 'watered' most of the drunken lay-abouts of the parish.
Verse 11. This sounds derogatory (perhaps because of the word pain.). We are sure that the poet did not mean it to be so. It is very well documented that Bryan Paine, a local teacher, put an enormous amount of work and effort into co-ordinating a marvellous Tile Mural depicting the Village and Parish. Apart from himself, this involved the work of over a hundred members of the Parish. The Mural is displayed in all its glory in St. James Church.
Bryan's other ceramic creations are now, we believe, becoming collectable.
Verse 12. This refers to Tim and Anthea Toft. They were well known in the Parish: He as a keen gardener and she as an excellent and sympathetic poet. Their chief claim to fame is, however, years of dedicated work helping handicapped children.
Verse 13. We think that this verse should have no nomination*. The meaning of the second couplet will become obvious with a little thought.
Verses 14 to 16. These contain many Christian names and we think all of them were alive in the Parish at the time. Intensive research still continues to confirm their Surnames and dwelling places. We do, however, have much information on the four named in verse 16. They were apparently 'thorns in the side' of the pretentious*.
The Last Verse. This lapses into sentimentality and does not 'fit in' with rest of the poem. We now think it was written at a much later date by somebody unknown who felt that the work needed 'rounding off'.
*Serious Students who wish to know more detail concerning these points should apply to the CPRG secretary with at least three references. We will require a suitable donation to cover the cost of the research.
"If you steal from one author, it's plagiarism; if you steal from many, it's research". – Wilson Mizner 1876-1933.
Comments and further contributions welcomed - please e-mail the CPRG secretary.