and real time skill measuring?
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Please read these terms and conditions ("Terms") before using the services (as defined below). They are the rules and requirements that apply to the services. Do not purchase a subscription, register for an account (as defined below), or use the services if you are not in agreement with these terms.
Welcome to Innoschool services, owned and operated by Innoschool Inc. By purchasing a subscription to, registering an Account for, or using the Innoschool products, including all of the services provided therein, and any other websites, applications, and online services (Apps) that link to these Terms (collectively, the Services), you acknowledge that you have read and understand these Terms, and agree to be bound by them. Innoschool is referred to as we, our, us, or the Company. Both these Terms and separate terms of service or sale documents may apply to your use of the Services or to a sweepstakes, service, or product offered via the Services (Additional Terms). To the extent there is a conflict between these Terms and any Additional Terms, the Additional Terms will control unless the Additional Terms expressly state otherwise.
By accessing this service, developed by InnoSchool ("Company"), you are agreeing to be bound by these Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this service. The materials contained in this service are protected by applicable copyright and trade mark law.
We currently offer the following types of accounts through the Services: Family Accounts, Teacher Accounts, Corporate Accounts (collectively, Consumer and Other Accounts).
In addition to these Terms, each Educational Institution will have a separate agreement with the terms and conditions covering the Techer Account. If you and your Child Users are accessing the Services through a Teacher Account, the terms and conditions of that agreement may provide additional protections to you.
Consumer, Other Accounts and Teacher Accounts are collectively referred to as Accounts and the provisions of these Terms apply to all Accounts. Any difference in how Consumer and Other Accounts and Teacher Accounts are treated will be identified accordingly within the Terms and any Additional Terms.
By activating an Account, you agree that we may renew your subscription automatically for the same subscription term on the day after your previous subscription ends, and for Family Accounts, you authorize us to charge you for the subscription term, unless you cancel your Account prior to its renewal date through the procedures described in the Subscription Cancellation Section.
Because Innoschool services requires parental or legal guardian consent under the Children's Online Privacy Protection Act (COPPA), it is only available for Family Accounts. Please see Family Accounts Section for more information about your use of Innoschool services.
You agree to arbitrate disputes rather than going to court. Your use of the Services is AS IS, without warranty and will result in no liability to us as.
We currently offer the following Consumer and Other Accounts through the Services: Family Accounts, Teacher Account. Teacher Accounts are only for Educational Institutions. Users of the Services include Child Users (children or students under the age of 18 who use the child-directed learning portion of the Services) and Adult Users (parents and legal guardians of Child Users, Gift Account purchasers and teachers).
We offer the option of purchasing prepaid, nonrefundable, nontransferable access to a Family Account as a gift (Gift Account). In these Terms, the person who purchases a Gift Account is the Purchaser. Upon purchase, the Purchaser will receive a Gift Account code that can be redeemed to activate a Family Account. Gift Account redemption codes must be redeemed by an Adult who can then set up and be responsible for the Family Account. Therefore, if you purchase a Gift Account, you represent and warrant that you will only provide the redemption code to an Adult. At the time of purchase, the Purchaser will choose the date the Gift Account is to be activated, provided that the activation date is not more than 365 days after the date on which the Gift Account is purchased. At the time of purchase, the Purchaser will also have the option to print out the Gift Account code receipt or have the Company email it to the child's parent or legal guardian. The Purchaser shall provide a valid email address for such parent or legal guardian. The Company is not responsible for errors or delays as a result of the email address(es) provided by the Purchaser. The Gift Account period will begin on either the date the Gift Account is redeemed or the Gift Account activation date, whichever is earlier. Discounts may be available for the purchase of multiple Gift Accounts, and all discounts or promo codes, if any, are applied at the time of payment. Gift Accounts are not redeemable or refundable for cash, subject to applicable law.
Teacher Accounts are only available for Educational Institutions for use exclusively by the Educational Institution and its students.
Every Account has one designated Adult User who must be at least 18 years of age. You are responsible for maintaining the confidentiality of your password and Account information. You agree (a) that you will provide complete and accurate registration information about yourself and any individual you authorize to access your Account and keep your Account information up to date; (b) that you are solely responsible for all activities that occur under your Account; (c) that you will notify us immediately of any unauthorized Account use; (d) that we are in no way responsible for any loss that you may incur as a result of any unauthorized use of your Account and password; and (e) that you will not sell, transfer, or assign your Account or any Account rights. If we learn that an ineligible User has created an Account, we may seek confirmation of the User's status or deactivate the Account, without notice to the ineligible User.
For certain types of Accounts, we may charge a fee, such as an Account, subscription, or Plan fee. For existing subscribers, we may change your fee at any time in our sole discretion at the end of your subscription or Plan period, provided that we first notify you by email. All fees are payable in accordance with payment terms in effect at the time the fee or the charge becomes payable. We may offer promotional trial subscriptions to access the Services for free or at special discounted prices. If you sign up for a trial subscription, your rights to use the Services are limited by the terms of such trial and will terminate or renew according to the terms of your trial arrangement and/or any applicable Additional Terms. Please note that we do not provide price protection or refunds for existing subscribers in the event of a price drop or promotional offering for new subscribers. Failure to pay any fees may result in your inability to access or use the Services.
You must either use a credit card or other payment mechanism accepted by us (for example, PayPal and Stripe) (Pay Mechanism) to activate and maintain a paid Account. You authorize us to charge you through the Pay Mechanism that you use when registering for an. You will also be responsible for charges (including applicable taxes) for any products or services that you order that are offered for sale through the Services. If we do not receive payment from the Pay Mechanism you use, you agree to pay all amounts due hereunder upon our demand and will be solely responsible for any dispute with your payment provider. Should the Pay Mechanism provided initially be declined for insufficient funds or any other reason, we reserve the right to attempt to recharge the Pay Mechanism in full or in lesser installments of the initially incurred charge for the duration of the Account subscription you selected and for up to an additional 90 days. You will not be charged more than the amount for which you purchased your Account subscription. You will be solely responsible for all overdraft fees and/or penalties that may be assessed by your payment provider. We use a third-party service provider to process payments on our behalf. You acknowledge and agree that in the event the third-party payment processor experiences a data breach that affects your information through no fault of Company, Company will in no way be responsible or liable to you for any such breach.
By activating Consumer and Other Accounts, you agree that we may renew your subscription automatically for the same subscription term on the day after your previous subscription ends. For example: If you register on February 1st, your subscription will automatically renew on March 1st, April 1st, and so on. However, when a date does not occur in a month, your Family Account will renew and be billed on the last day of that month. For example, if you activated a Family Account on January 31st, your next renewal and billing date will be on February 28th (or 29th in a leap year). For Family Accounts, you authorize us to charge you for the subscription term, unless you cancel your Account prior to its renewal date through the procedures described in the Subscription Cancellation section below. For Family Accounts, we will charge your credit card (or the other payment method you used) each year, month, or other applicable period (depending on the term that you selected) for the then-current applicable price.
You may cancel such subscription prior to its renewal date through the My Account area in the Parent Section. For all Accounts, you will continue to have access to your Account for the period of time that has already been prepaid. For all Plans, you will continue to be able to schedule and have your Child User attend Sessions for the period of time that has been prepaid. If you activated a paid Account at a discounted or promotional rate, chose to pay in installments, and then canceled that Account prior to all of the installments having been paid, the period of time after cancellation that your Account will continue to be accessible will be calculated based on the nonpromotional/nondiscounted rate in effect at the time of cancellation. After you cancel your Account, we will not charge you any subscription fees after the expiration of your then-current subscription. Please note that we do not provide full or partial refunds for prepaid sums. In any event, you will be able to continue to use the Services throughout the remainder of the subscription period for which you have already paid.
As between us and you, the Services (including past, present, and future versions) are owned and controlled by us and their Content is protected by international copyright, trademark, trade dress, patent, and other intellectual property rights and laws to the fullest extent possible. Content means all text, graphics, user interfaces, visual interfaces, photographs, logos, sounds, music, artwork, and computer code displayed on or available through the Services and the design, structure, selection, coordination, expression, and arrangement of such materials including, without limitation, (i) materials and other items relating to us and our products and services, including, without limitation, all activities, printables, characters, photographs, audio clips, sounds, pictures, videos, and animation; (ii) trademarks, logos, trade names, service marks, and trade identities of various parties, including ours (collectively, Trademarks); and (iii) other forms of intellectual property.
Subject to your strict compliance with these Terms, any applicable Additional Terms, and your payment of any applicable subscription fees, we grant you a limited, nonexclusive, revocable, non-assignable and nontransferable license (License) to access, display, view, use, play, and/or print one copy of the Content on a personal computer, mobile phone or other wireless device, or other internet-enabled device (each, an Internet Device) for your personal, noncommercial use only (for example, Teachers may use Content from the Services for educating their students and other Users' use is limited to personal use). The License does not give you any ownership of, or any other intellectual property interest in, any Content or the Services, and you cannot otherwise use the Content or the Services without our express prior written permission. All rights not expressly granted to you are reserved by us and/or our licensors and other third parties. Except as expressly provided in these Terms or with Company's express prior written consent, no part of the Services and no Content may be used, copied, reproduced, distributed, uploaded, posted, publicly displayed, translated, transmitted, broadcast, sold, licensed or otherwise exploited for any purpose whatsoever. Any unauthorized use of any Content or the Services for any purpose is prohibited.
When linking to our Services, you must adhere to the following requirements: (i) the link to the Services must not damage, disparage, present false information about or tarnish the goodwill associated with any of our Trademarks, products, services and/or intellectual property; (ii) the link to the Services must not create the false appearance that your website and/or organization is sponsored by, endorsed by, affiliated with, or associated with us; (iii) with the sole exception of authorized Library Accounts, no one may "frame" the Services or create a browser environment around any of the Content; and (iv) you may not link to the Services from a website that is unlawful, abusive, indecent, or obscene; that promotes violence or illegal acts; that contains expressions of racism; that is libelous, defamatory, scandalous, or inflammatory; or that we otherwise deem inappropriate in our sole discretion. We reserve the right to prohibit linking to the Services for any reason, in our sole and absolute discretion, even if the linking complies with the requirements described above.
Child Users are blocked from accessing external links, which will only be available if an Adult User enters his or her password. Any interactions, transactions, and other dealings that you have with any third parties found on or through the Services (including those that are linked to from the Services) are solely between you and the third party (including issues related to payments, delivery of goods, and warranties), and we disclaim all liability in connection therewith.
These terms, and any additional terms, will be governed by and construed in accordance with the laws of the finland, without regard to its conflicts of laws principles.
If any controversy, allegation, or claim arises out of or relates to the Services, these Terms, or any Additional Terms (collectively, Dispute), you and we agree to the following resolution process with respect to the Dispute. To most efficiently resolve any Dispute, you and we agree to first discuss the Dispute informally for at least 30 days. To do so, the party who wants to raise the Dispute must first send to the other party a notice that must include (1) a description of the Dispute and (2) a proposed resolution (together, the Dispute Notice). If you want to raise a Dispute, you must send your Dispute Notice by certified mail to Otakaari 5, FI-02150, Espoo, Finland, and address the Dispute Notice to Innoschool Inc. If we would like to subsequently discuss your Dispute Notice with you, we will contact you by using the contact information included with your Dispute Notice. If we want to raise a Dispute, we will send our Dispute Notice to you at the email address that we have on file for you. If we do not have a valid email address on file for you, we will send our Dispute Notice to you through a means that complies with the service of process rules in the Finland.
In arbitration, as with a court, the arbitrator will resolve the submitted Dispute and can issue a decision consistent with the guidelines stated above. However, with arbitration, there is no judge or jury; the arbitration proceedings and arbitration are subject to certain confidentiality rules; and judicial review of the arbitration outcome is limited. All parties to the arbitration will have the right, at their own expense, to be represented by an attorney or other advocate of their choosing. If an in-person arbitration hearing is required, then it will be conducted in Finland. You and we will pay the administrative and arbitrator's fees and other costs in accordance with the applicable arbitration rules, but if applicable arbitration rules or laws require us to pay a greater portion or all of such fees and costs in order for this to be enforceable, then we will have the right to elect to pay the fees and costs and proceed to arbitration. Discovery will be permitted pursuant to the applicable arbitration rules. The arbitrator's decision must consist of a written statement stating the disposition of each claim of the Dispute, and must provide a statement of the essential findings and conclusions on which the decision and any award (if any) is based. Judgment on the arbitration decision and award (if any) may be entered into any court that has jurisdiction over the parties.
The foregoing provisions of this agreement will not apply to any legal action taken by either party to seek an injunction or other equitable relief in conjunction with any intellectual property claim or claim related to unauthorized access to data through the Services (including, but not limited to, claims related to patent, copyright, trademark, and trade secrets, and claims relating to the access or retrieval of data through the Services using an automated process such as scraping).
To help resolve any issues between you and us promptly and directly, you and the Company agree that any Dispute Notice must be sent, or that any small claims or injunctive relief complaint permitted under this agreement must be filed, within one year after the events giving rise to the Dispute arise; otherwise, the Dispute is waived.
You and the Company agree that any Disputes will be arbitrated only on an individual basis and will not be consolidated with any other arbitrations or other proceedings that involve any claim or controversy of any other party.
Whether your use of the Services is lawful in any particular jurisdiction.
In accordance with the the Directive on Copyright in the Digital Single Market 2016/0280(COD), our designated agent to receive notices of copyright infringement is our General Counsel, who may be reached by email at privacy@innoschool.fi, or by postal mail at Innoschool Inc, Otakaari 5, FI-02150 Espoo, Finland. If you believe that your material has been posted on, or distributed via, the Services in a way that constitutes copyright infringement, please provide the following information to us: (i) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed (the "complaining party"); (ii) identification of the copyright work(s) claimed to have been infringed; (iii) identification of the material that is claimed to be infringing or to be the subject of infringing activity and information reasonably sufficient to permit us to locate the material; (iv) information reasonably sufficient to permit us to contact the complaining party; (v) a statement that the complaining party (name, address, telephone number, and email address) has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (vi) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. The COD provides that a person who knowingly materially misrepresents that material or an activity is infringing may be subject to liability. We may send the information in the notice from the complaining party to the person who provided the allegedly infringing material.
We reserve the right to discontinue the Services or suspend or terminate your access to it, including any Accounts or User-Generated Content submitted by you, at any time, without notice, for any reason and without any obligation to you or any third party. If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, or otherwise violates these Terms or any Additional Terms, then we may suspend or terminate your Account or deny you access to all or part of the Services. Any suspension or termination will not affect your obligations to us, including any payment obligations to us, and you will not be entitled to a refund of any payments. Upon suspension or termination of your access to the Services, or upon notice from us, your License to use the Services will terminate immediately.
When you communicate with us electronically, such as via a Services communication tool, you consent to receive communications from us electronically. Please note that we will do our best to respond to your inquiry, but it may take us some time. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
We control and operate the Services from our headquarters in Helsinki, Finland. If you use the Services from other locations, you are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply (for example, any local education regulatory or data privacy laws). You and we disclaim any application of the Convention on Contracts for the International Sale of Goods.
If any provision of these Terms, or any Additional Terms, is for any reason deemed unenforceable by a court or arbitrator, you agree that every attempt will be made to give effect to the parties' intentions as reflected in that provision, and the remaining provisions contained in this Agreement will continue in full force and effect. You agree that these Terms, and Additional Terms, will not be construed against us because we drafted them.
We may assign our rights and obligations under these Terms, or any Additional Terms, in whole or in part, to any party at any time without any notice. These Terms, and any Additional Terms, may not be assigned by you, and you may not delegate your duties under them.
No waiver by us of any of these Terms or any Additional Terms will be of any force or effect unless made in writing and signed by a duly authorized officer of Innoschool Inc.
We reserve the right to modify these Terms, or any Additional Terms, from time to time in our sole discretion (Updated Terms). You agree that any Updated Terms will be effective immediately upon our posting them on the Services and, if you have an Account, either by displaying an alert next to the link to the Terms, displaying an alert upon log in to the Services, or by directly communicating them to you (e.g., via the email address associated with your Account), provided that (i) any modification related to dispute resolution shall not apply to any Dispute initiated prior to the applicable modification, and (ii) any modification to provisions related to fees and billing shall not apply to fees incurred prior to the applicable modification. If you do not cancel your Subscription to the Services within seven days after receiving notice of Updated Terms as described above, or if you continue to use the Services after receiving notice of Updated Terms, you agree to comply with, and to be bound by, the Updated Terms.
Welcome to Innoschool services, owned and operated by Innoschool Inc. We are committed to providing children with a learning environment where every activity is just as fun as it is educational, and where you can feel confident that your children's privacy is protected.
Because the security of your personal information is important to us, we only ask for Personally Identifiable Information where it is reasonably necessary to provide the Services. We also use commercially reasonable physical, technical, and administrative security measures designed to safeguard all information collected by the Services.
Accounts will never include any pop-up ads or other advertisements directed to children.
We will never sell or rent the Personally Identifiable Information of any User (as defined below) of the Services to a third party, except as described in this policy in the context of a sale of the Company. Personally Identifiable Information is defined in this policy as information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context.
During Innoschool registration, the only information we may ask you to provide about a child who will be using the Services is the child's first name (or nickname), birth month and year, and gender.
We do not ask for certain sensitive Personally Identifiable Information such as social security numbers, driver's license numbers, or biometric data. However, paying subscribers are asked for payment information when they subscribe. Please see the Section regarding Content You Submit for more information about how we safeguard payment information.
Users may contact us or their Educational Institution, when applicable, at any time as described in the Section describing how to Contact Us to request that we provide for their review, or delete from our records, any Personally Identifiable Information they have provided about Users associated with their accounts, or to cease collecting Personally Identifiable Information from those Users. For information about when we automatically delete Personally Identifiable Information due to account cancellation or inactivity, please see the Section describing Location of Information Processing.
(6) We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
If you have access to the Services through a School Account, additional privacy protections apply because your Educational Institution may provide Innoschool with student personally identifiable information (Student Data) as defined by the Family Educational Rights and Privacy Act (20 U.S.C. § 1232g) and its implementing regulations (34 CFR Part 99) (collectively, FERPA).
Innoschool will delete, or if requested by the Educational Institution, transfer to the Educational Institution all Student Data within 90 days (or a shorter time frame if required by applicable law) following the termination of the Innoschool's agreement with the applicable Educational Institution.
Innoschool is a signatory of the Student Privacy Pledge. The Future of Privacy Forum and The Software & Information Industry Association introduced the Student Privacy Pledge to safeguard student privacy regarding the collection, maintenance, and use of student personal information. Since 2014, more than 300 companies have signed on. Signing the pledge demonstrates our commitment to complying with the highest standards for safeguarding Student Data.
The Services are safe for children. This means that accounts will never include any pop-up ads or other advertisements directed to children. In addition, Child Users are blocked from accessing external links. External links will only be available if an Adult User enters his or her password.
How we collect, use, and disclose information depends on the type of account and the type of user. We currently offer the following types of accounts through the Services: Family Accounts, School Accounts, Teacher Accounts and Corporate Accounts, which are described in our Terms & Conditions. Separately, Innoschool provides School Accounts, which are only for Educational Institutions.
Consumer and Other Accounts and School Accounts are collectively referred to as Accounts and the provisions of this policy apply to all Accounts. Any difference in how the Consumer and Other Accounts and School Accounts are treated is identified below.
Users of the Services include Child Users (any child under 18 who uses the learning portion of the Services) and Adult Users (including parents and legal guardians of Child Users, Gift Account purchasers, teachers and companies, collectively referred to as Users.
As more fully set forth below, we and our third-party service providers collect information that Users provide when using the Services, including when Adult Users create an Account, sign up for Services, or contact us with a question, comment, or request, and when Child Users participate in tutoring sessions. However, we will only use or disclose this information in accordance with this policy and applicable law. Please see the Section describing When We Disclose Information to Third Parties regarding how we limit disclosure of Child User information.
Payment information is collected from Adult Users who purchase a Family Account, including those who purchase a Gift Account for others. For your security, we do not store your complete credit card number in our databases but retain only the first six digits and last four digits so that we can identify your Account and respond to your requests and questions.
A parent or legal guardian email address is collected when the Adult User purchasing a Family Account states that he or she is not the legal guardian, or if a teacher or community center administrator provides such addresses in order for parents or legal guardians to connect to the Teacher Account or School Account.
The school name and address (state and zip code only) are collected from Adult Users who register for a Teacher or Community Center Account. Adult Users who register for a Family, Teacher or School Account are asked to provide the first name (or nickname) and gender, and may be asked for the birth month and year, of Child Users who will be accessing the Services through their Accounts.
We and our third-party service providers collect information directly from users of the Services in the form of the actions they take and activities they complete when using the Services. For example, from Adult Users, we may collect information about patterns of usage and order history; from Child Users, we may collect information about patterns of usage, when a child starts and stops an activity OR which areas of the Services the child frequents.
We and our third-party service providers also use a variety of technologies, such as cookies (small text files that the Services save on your computer or mobile device), to automatically collect certain technical information from your computer or mobile device over time and across different websites, including when you use the Services, such as your browser type, operating system, device type, the page served, your IP address, your geolocation, and the websites you visited prior to visiting the Services. When you download and use one of our Apps, we and our service providers may track and collect App usage data, such as the date and time the App on your device accesses our servers and what information and files have been downloaded to the App based on your device number.
We and our third-party service providers may use the information collected through these technical methods for a number of purposes, including delivering content, tracking and enhancing our Users' experience on the Services, and delivering advertising to visitors to www.innoschool.app when they visit other websites and applications. For example, when you return to the Services after logging in, cookies help the Services recognize who you are without having to log back in. For more information, see the Section describing How We Use Information. The information collected through these technical methods on the child-directed portions of the Services are used only to support the internal operations of the Services. We do not allow third-party advertising networks to collect information about Users who are logged in to their Accounts.
We may collect and store information about your location to provide you with educational experiences or email updates that are tailored for your region. The location information we have access to may include (1) your ZIP or postal code, if you provide one to us; and (2) the approximate geographic region your computer or mobile device is located in, as determined from your IP address. However, we do not collect your street name and the name of your city/town. You may be able to change the settings on your computer or mobile device to prevent it from providing us with such IP information. We also have access to your school or classroom location if you (as a teacher) provide it to us.
We will never sell or rent the Personally Identifiable Information of any User of the Services to a third party, except as described in this policy in the context of a sale of the Company.
To permit you to register and use the Services, including, for example, to send you communications about Child User progress or your Account, or to allow you to provide Feedback through the Parent Section. For security purposes, the Parent Section is password protected.
For certain Consumer and Other Accounts, to complete and fulfill your purchase, such as to process your payments, communicate with you regarding your purchase, and provide you with related customer service.
To respond to your inquiries and fulfill your requests, retrieve your password, or provide technical support.
For Consumer and Other Accounts, to send you marketing communications that we believe may be of interest to you. While it is never our intention to send any marketing messages to children, if you believe a Child User has received such a marketing communication, please contact us as described in the 'Contact Us' section below. You can always choose to stop receiving these marketing messages by simply following the instructions contained in the message. For all Accounts, you may not opt out of receiving administrative messages from us regarding your Account, such as password reset emails, customer support messages, and progress reports for School Accounts.
To deliver Innoschool advertising to you based on your visits to the non-child-directed portions of the Services (such as www.innnoschool.app) when you visit third-party websites and applications. We will never use information collected in the child-directed portions of the Services for targeted advertising purposes.
As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to detect violations of and enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates, including the security of the Services; (f) to protect our rights, privacy, safety, or property, or that of our affiliates, you, or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain (collectively, (a)-(g) are Other Uses and Disclosures).
Where parents or legal guardians have linked a Family Account to a Teacher Account, as described in the Terms & Conditions, the Adult Users of both Accounts will be able to review the progress and details of their Child Users within both Accounts.
As we believe to be necessary or appropriate as set forth above in Other Uses and Disclosures and in other instances substantially similar to those listed in this Section.
Where legally required and in certain other cases, we may make such disclosures without first providing notice to Users.
We do not disclose the personally identifiable information of any Child User to third parties for any marketing or promotional purposes.
We also may disclose de-identified and/or aggregated User information for any other purpose as permissible by applicable law—for example, the distribution of de-identified user records to outside researchers or the distribution of reports containing aggregate user demographic and traffic patterns—provided that no individual Adult User or Child User or any specific end-user device can be readily identified.
An User can review or change the information they provided when they registered for the Services by updating information through the Account Settings. In addition, Users may contact us at any time as described in the 'Contact Us' section below to request that we provide for their review, or delete from our records, any Personally Identifiable Information they have provided about Users associated with their Accounts, or to cease collecting Personally Identifiable Information from those Users, as applicable. Please keep in mind that a request to delete Personally Identifiable Information may lead to cancellation of your Account or the inability to use certain Services.
If you are using the Services through a School Account that is integrated with a school student information system (SIS), any request to access or make changes to or delete Personally Identifiable Information including Student Data must be made by the Educational Institution within the SIS. Once the changes are made within the SIS, the changes will automatically appear within the School Account.
If you are using the Services through a School Account and the Educational Institution is not integrating its SIS with the Services, any request to access, make changes to or delete Personally Identifiable Information including Student Data must be made by the Educational Institution's designated administrator for the School Account. The administrator will be provided access to the School Account User Profile pages in order to update, correct, or delete the information contained therein.
If you are a European Union (EU) resident, you have certain rights in relation to your Personally Identifiable Information: (1) the right to be informed about how your Personally Identifiable Information is being used; (2) the right to access the Personally Identifiable Information we hold about you; and (3) the right to request the correction of inaccurate Personally Identifiable Information we hold about you and to request the blocking or deletion of your Personally Identifiable Information where the processing does not comply with local data protection laws. To exercise any of the above rights, or if you have any questions relating to your rights, please contact us by using the details set out in the 'Contact Us' section. Please provide as much information as you can about the Personally Identifiable Information you are enquiring about. We will respond to your request within 30 days (or less, if required by law). If you ask us to correct, update, delete, or change the Personally Identifiable Information we hold about you, we will do so if we are satisfied that this is required. If we decide not to change your Personally Identifiable Information in the manner you have requested, we will advise you of this in writing and will indicate how you can submit a complaint if you are not satisfied with our decision. If you request a change to your Personally Identifiable Information and we do not make that change, you may request that we make a note in our records that you requested a change to your Personally Identifiable Information that was not made, as well as the reason that change was not made.
At any time, Adult Users, with the exception of School Accounts, may cancel their Accounts through the Parent Section or Teacher Dashboard section of the Services.
We will delete all Personally Identifiable Information in our active databases associated with the Account (Account Information). The 24 months is provided so that you have the ability, following cancellation, to reactivate your Account and potentially recover previous information and resume where you left off. However, we provide no guarantee, and shall have no liability or obligation to ensure that all Account Information and Services-related progress will be available or accessible or all learning or personalization features will be able to be recovered or resumed. If a User requests that Personally Identifiable Information be deleted prior to the end of the 24-month period of inactivity, we will take commercially reasonable steps to satisfy that request.
For Teacher Accounts, if you cancel your Account, we will delete all Account Information 48 hours after the cancellation. Please note that canceling an entire Teacher Account or Community Center Account will result in the loss of activities for every Child User. If a Teacher Account is not canceled, we will delete all Account Information 24 months after the last activity on the Account.
For Schools Accounts, Adult Users should contact their respective Educational Institution for any questions regarding account cancellation and data deletion. If an Educational Institutional terminates its agreement with Innoschool, Innoschool will delete, or if requested by the Educational Institution, transfer to the Educational Institution all Student Data within 90 days following the termination of the agreement with the applicable Educational Institution.
Upon Account cancellation, de-identified Adult and Child User information may nonetheless persist internally in our archive files or similar databases, and may still be used, on a de-identified basis, for our internal support, administrative, and record-keeping purposes including, but not limited to, allowing us to improve the Services and other services we provide through research, evaluation, and analytics as permissible by applicable law.
The Services are controlled and operated by us from Finland. Your information may be stored and processed in any country where we have facilities or in which we engage service providers, including the United States, which may have data protection laws that are different from those of your country. In addition, your information may be subject to access requests from governments, courts, or law enforcement officials in countries where it may be processed, under the laws of those countries.
The security of your personal information is important to us, and we employ physical, technical, and administrative security measures designed to safeguard the information collected by the Services. We use industry standard SSL (secure socket layer technology) encryption to transfer Personally Identifiable Information. Other security safeguards include, but are not limited to, data encryption, firewalls, and physical access controls to buildings and files.
Account holders create a password in the registration process. You can help protect against unauthorized access to your account and Personally Identifiable Information by selecting and protecting your password appropriately and limiting access to your computer and browser by signing off after you have finished accessing your account. At registration, we assign a Member ID to each Account, and use those Member IDs to authenticate logins, allow access to the subscription content, and monitor compliance. The Member ID is also used to authenticate users when requesting technical support. Access to information is limited (through user/password credentials and two-factor authentication) to those employees who require it to perform their job functions.
We are committed to maintaining the security and confidentiality of your and your children's information, including, but not limited to, any Student Data, which we receive through School Accounts. Some of the precautions we take include (a) limiting employee access to your and your children's Personally Identifiable Information to only those employees with a need to such access to fulfill their job responsibilities; (b) conducting background checks on our employees and, specifically, upon all employees that may have access to Student Data; (c) requiring employees to sign confidentiality agreements upon hiring; (d) conducting regular employee privacy and data security training and education; and (e) protecting Personally Identifiable Information with technical, contractual, administrative, and physical security safeguards.
Please be aware, however, that no information system can be guaranteed to be 100% secure, so we cannot guarantee the absolute security of your information. Moreover, we are not responsible for the security of information you transmit to the Services over networks that we do not control, including the internet and wireless networks. If you have reason to believe that your interaction with us is not secure, please contact us as described in the 'Contact Us' section below.


Style and substance strike a perfect balance in the EverClean Bathing collection from American Standard. The EverClean Soaking Tub is engineered to look beautiful and function flawlessly. This beautiful, durable and easy-to-clean fiberglass reinforced acrylic tub is covered by our Limited Lifetime Warranty.


text:
Q: Rewrite rule to return index.html in all subdirectories without change the url I Have the next configuration
<VirtualHost *:443>
        ServerName projectsite.com
        ServerAlias projectsite.com
        DocumentRoot /var/www/project

        <Directory />
                 RewriteEngine On
               Options +FollowSymlinks
                AllowOverride All
                Require all grant
                RewriteCond %{REQUEST_FILENAME} !-f
                RewriteCond %{REQUEST_FILENAME} !-d
                RewriteCond %{REQUEST_FILENAME} !-l
                RewriteRule ^/?.+$ / [L]
        </Directory>

</VirtualHost>

The project manage all urls from the client, so, I only need to return the index.html file and I render the modules with javascript. It works ok but If the url matches with a folder then I am getting a 403 error "Forbidden". Instead of this, I need return the root index.html file either is the url matches with a directory name or not.
¿How can I do it ? I tried to find on internet but I didn't found something similar.
UPDATED:
how Dusan Bajic told me, I removed that line RewriteCond %{REQUEST_FILENAME} !-d and it resolved the first problem, but now the Rule is adding a slash at the final of the url,
If I have "site.com/reports" it changes to "site.com/reports/". I need to mantain the url without this slash. I think the problem is with the
next Rule:
 RewriteRule ^/?.+$ / [L]
But i don't know the correct way to make it

A: How @dusanBajic commented I had a rule that prevented what I need.
The rule is :
RewriteCond %{REQUEST_FILENAME} !-d

This rule indicates that the rewrite rule only apply if the folder does not exists. So what I did was Remove that instruction and add the next rule DirectorySlash Off to prevent apache puts a slash at the final of the url.
The code left like this:
        <Directory />
                RewriteEngine On
                Options +FollowSymlinks
                DirectorySlash Off
                RewriteCond %{REQUEST_FILENAME} !-f
                RewriteCond %{REQUEST_FILENAME} !-l
                RewriteRule ^/?.+$ / [L]
        </Directory>

redpajama_set_name: RedPajamaStackExchange


Aloe Vera has amazing healing properties. We can grow this plant and always have it in cases of an emergency. It is not just limited to topical use. This plant is even more beneficial for our body internally. You might've tried Aloe Vera juice thinking how gross it was but you can detoxify your body naturally with Aloe Vera juice. Thus, drinking Aloe Vera juice should become another healthy habit.
In the past it has been widely used to treat many health aliments and is called "plant of immortality" by the Egyptians.
I started using raw juice of this plant internally and it really made a difference. My immune system become stronger. It was found that it contains anti-bacterial, anti-viral and anti-fungal properties that aid the immune system to cleanse the body of toxins and invading pathogens.
About 20 minerals are found in Aloe Vera including: calcium, magnesium, iron, potassium, zinc, chromium, selenium, sodium, copper and manganese. These minerals boost enzyme metabolic pathways. Zinc act as antioxidants, increase enzyme activity which ensures detoxification of metabolic wastes.
It contains enzymes such as amylase and lipase, which when taken orally aid digestion by breaking down fat and sugars. Bradykinase enzyme, can reduce excessive inflammation.
One of the few plants that contain vitamin B12 which is required for the production of red blood cells is Aloe Vera. It contains many more vitamins including A, C, E, folic acid, choline, B1, B2, B3 (niacin) and B6. Aloe Vera's antioxidant activity is provided by vitamins A, C and E which fight free radicals. Choline as well as B group vitamins are necessary for amino acid metabolism.
Aloe mucilaginous polysaccharides (AMP) present long chain sugar molecules composed of individual mannose and glucose sugar molecules connected together. About 200 of these AMP ingredients are found in the this plant and are responsible for the healing properties of this plant. They play many key functions in your body as anti-inflammatory agents; have an anti-bacterial and anti-viral effect; enhance immune system functions such as promoting tissue growth and improving cellular metabolism.
Aloe Vera is the best body cleansers because cleanses toxic matter from the stomach, kidneys, spleen, bladder, liver, and is the most effective colon cleanser. It was found that Aloe Vera juice exhibits healing and soothing properties for the relief of indigestion, stomach problems and even ulcers. Consuming Aloe juice will help your body relieve tissue inflammation which often causes joint pain and even arthritis. Aloe Vera juice strengthens the digestive tract, skin and has a great effect on overall health. You should drink a full glass of Aloe Vera juice at least twice a day, it can help get rid of any waste products, thus detoxifying your body naturally.


text:
package org.keycloak.social.openshift;

import com.fasterxml.jackson.databind.JsonNode;
import org.keycloak.broker.oidc.AbstractOAuth2IdentityProvider;
import org.keycloak.broker.oidc.mappers.AbstractJsonUserAttributeMapper;
import org.keycloak.broker.oidc.util.JsonSimpleHttp;
import org.keycloak.broker.provider.BrokeredIdentityContext;
import org.keycloak.broker.provider.IdentityBrokerException;
import org.keycloak.broker.provider.util.SimpleHttp;
import org.keycloak.broker.social.SocialIdentityProvider;
import org.keycloak.models.KeycloakSession;

import java.io.IOException;
import java.util.Optional;

/**
 * Identity provider for Openshift V3. Check official documentation for more details.
 */
public class OpenshiftV3IdentityProvider extends AbstractOAuth2IdentityProvider<OpenshiftV3IdentityProviderConfig> implements SocialIdentityProvider<OpenshiftV3IdentityProviderConfig> {

    public static final String BASE_URL = "https://api.preview.openshift.com";
    private static final String AUTH_RESOURCE = "/oauth/authorize";
    private static final String TOKEN_RESOURCE = "/oauth/token";
    private static final String PROFILE_RESOURCE = "/oapi/v1/users/~";
    private static final String DEFAULT_SCOPE = "user:info";

    public OpenshiftV3IdentityProvider(KeycloakSession session, OpenshiftV3IdentityProviderConfig config) {
        super(session, config);
        final String baseUrl = Optional.ofNullable(config.getBaseUrl()).orElse(BASE_URL);
        config.setAuthorizationUrl(baseUrl + AUTH_RESOURCE);
        config.setTokenUrl(baseUrl + TOKEN_RESOURCE);
        config.setUserInfoUrl(baseUrl + PROFILE_RESOURCE);
    }

    @Override
    protected String getDefaultScopes() {
        return DEFAULT_SCOPE;
    }

    @Override
    protected BrokeredIdentityContext doGetFederatedIdentity(String accessToken) {
        try {
            final JsonNode profile = fetchProfile(accessToken);
            final BrokeredIdentityContext user = extractUserContext(profile.get("metadata"));
            AbstractJsonUserAttributeMapper.storeUserProfileForMapper(user, profile, getConfig().getAlias());
            return user;
        } catch (Exception e) {
            throw new IdentityBrokerException("Could not obtain user profile from Openshift.", e);
        }
    }

    private BrokeredIdentityContext extractUserContext(JsonNode metadata) {
        final BrokeredIdentityContext user = new BrokeredIdentityContext(getJsonProperty(metadata, "uid"));
        user.setUsername(getJsonProperty(metadata, "name"));
        user.setName(getJsonProperty(metadata, "fullName"));
        user.setIdpConfig(getConfig());
        user.setIdp(this);
        return user;
    }

    private JsonNode fetchProfile(String accessToken) throws IOException {
        return JsonSimpleHttp.asJson(SimpleHttp.doGet(getConfig().getUserInfoUrl(), this.session)
                             .header("Authorization", "Bearer " + accessToken));
    }

}

redpajama_set_name: RedPajamaGithub


text:
Q: Finding the constant of a joint probabiity distribution Let $A$ and $B$ be random variables such that, for some $\theta>0$,
$P(A=x,B=y)$ = $\theta$$\frac{2x+y}{x!y!}$$(0.33^{x+y})$
for $x=0,1,2,3,…$ and $y=0,1,2,3,….$
How do I find the value of $\theta$?
Current attempt:
$\sum_{x=0}^\infty$ $\sum_{y=0}^\infty$ $\theta$$\frac{2x+y}{x!y!}$$(0.33^{x+y})$ $=1$
Problem: How do I do this summation?

A: Use the Taylor expansion of the Euler exponential:
$$\mathrm e^z =\sum_{k=0}^\infty \frac{z^k}{k!}$$
So...
$$\begin{align}\sum_{x=0}^\infty\sum_{y=0}^\infty\dfrac{(2x+y)0.33^{x+y}}{x!~y!}&=\sum_{x=0}^\infty\left(\dfrac{2x0.33^x}{x!}\sum_{y=0}^\infty\dfrac{0.33^y}{y!}+\dfrac{0.33^x}{x!}\sum_{y=1}^\infty\dfrac{0.33^y}{(y-1)!}\right)\\[1ex]&=\mathrm e^{0.33}\sum_{x=0}^\infty\left(\dfrac{2x0.33^x}{x!}+\dfrac{0.33^{x+1}}{x!}\right)\\[1ex]&=\mathrm e^{0.33}\left(2\cdot0.33\sum_{x=1}^\infty\dfrac{0.33^{x-1}}{(x-1)!}+0.33\sum_{x=0}^\infty\dfrac{0.33^x}{x!}\right)\\[1ex]&=0.99\cdot\mathrm e^{0.66}\end{align}$$


I remember sitting in a dark office in 2012 in the UK's Department of Health working through the complexities of how we could make the 100,000 Genomes Project happen. This week, I had the pleasure of speaking at the celebratory event recognising its success. The UK is the first country in the world to sequence 100,000 genomes. I am very proud of what has been achieved by the researchers, staff and most importantly patients and families.
However, we must not rest on our laurels if we are truly to unlock the potential of the human genome. The power of genomics is available and we need to embed it into the fabric of NHS services, which is the role of our new NHS Genomic Medicine Service.
Antimicrobial resistance was a big part of my work this week, as always. I am proud of the work of the NHS and of meat producers to reduce antibiotic use, but globally much more needs to be done. I am working hard alongside the World Health Organization to implement the recommendations of the United Nations Interagency Group on AMR, of which I am a co-convener: we need a UN leadership group covering human health, agriculture, animals and the environment to keep up momentum and action across the world.
Looking ahead for fresh opportunities has always been a strong theme for me. My last annual report explored what health could and should be like in 2040. My final report as chief medical officer will be on global health: last week I convened a workshop to identify some of the key themes, such as how the UK should support global health.
Global health is about security, sustainability and equity. Some communities in England have poor health outcomes that are often hidden by national averages. This is why I believe we need a composite health index to judge our progress, which would look not only at health outcomes but also social determinants and modifiable risk factors such as obesity, exercise and smoking.
A key aim of my annual reports is to look strategically and make recommendations on how to improve systems and, ultimately, health. So, watch this space but if the global health workshop is anything to go by, it will be fascinating.
I have just finished Educated by Tara Westover, which is moving on the human level but also demonstrates the power of education to ignite people's lives.
I have also just started The Masters by C.P. Snow as a fun preparation for my installation in October as Master of Trinity College, Cambridge. I am listening to a wonderful young composer called Owain Park, who writes ethereal music and I hope will compose a Te Deum for my installation ceremony at Trinity.
Why did you decide to become the chair of Genomics England?
It took a nanosecond to decide. The introduction of genomic-based medicine is the most ambitious project I have been involved in and the one with the most far-reaching impact. It is also one of the few areas where the UK has the ability legitimately to lead the world in the introduction of personalised medicine at a national scale. It represents the true confluence of biology, physics, computing power and data analytics on a huge scale. We now need to move from a project to an operational organisation in partnership with the NHS as we move from 100,000 genomes to up to 5m through the NHS and with research partners. That is a hugely inspiring and challenging task that is, quite simply, too important not to be achieved.
What are the challenges of getting genomics into the NHS?
The introduction of genomic-based medicine in the NHS has the potential to turn the system upside down. Genomics has the power to both predict and anticipate the incidence of chronic illness and debilitating disease, speeding up earlier diagnosis and treatment. This will generate better health outcomes, use more cost-effective therapies and enable the NHS to deliver more for less. We have to proceed in partnership with the NHS and its patients, but the progressive digitisation of health and the power of analytics can transform the provision of health in the UK. If we can do that, the NHS will continue to be the envy of the world.
In my last annual report, I made the case to reposition health as the nation's primary asset. As a leader in the finance sector, could you outline how important you think health is to the economy?
The "health of the nation" is the most productive asset we own. It has always puzzled me that healthcare has only ever been characterised as a cost or a percentage burden on GDP. In truth, it's the biggest single economic investment the UK makes and it's time that we measured the economic potential released from better health. It's a triple win – people living longer with a lower incidence of chronic disease, and being more economically productive later in life while reducing the overall cost of health. That is an economic policy well worth fighting for.
Crackdown on junk food ads as Chief Medical Officer warns of impact of social media promotions (Telegraph). I believe we need to fundamentally reposition health as the nation's primary asset. Part of this is creating an environment that makes the healthy choice the easy choice.
Anti-vax movement must be resisted for the sake of world health (FT). Vaccines work, they are safe and have saved countless lives. I implore everyone to vaccinate their children to protect them from potentially deadly diseases.
The relationships between democratic experience, adult health, and cause-specific mortality in 170 countries between 1980 and 2016: an observational analysis (CFR). Demonstrating the association between democracy and health gain.
The war on 'prediabetes' could be a boon for pharma — but is it good medicine? (Science). We have continually to challenge our priors, so this is fascinating.
Intimate Partner Violence (NEJM). Such an important area, which I highlighted in my annual report.
Exposing Anopheles mosquitoes to antimalarials blocks Plasmodium parasite transmission (Nature). So malaria eradication may be possible. A new approach.
Safety and Efficacy of Bempedoic Acid to Reduce LDL Cholesterol.(NEJM). High cholesterol is associated with heart attack and stroke. New treatments and approaches will help. As I have hypercholesterolaemia I follow this science carefully.
A Longitudinal Study of Ebola Sequelae in Liberia. (NEJM) A sobering read. The world is good at emergency response but this demonstrates the need for following through.
Benefits and harms of spinal manipulative therapy for the treatment of chronic low back pain: systematic review and meta-analysis of randomised controlled trials (BMJ). A systematic review (the gold standard for evidence in health) of management of an all too common problem for many of us.
Progress in adolescent health and wellbeing: tracking 12 headline indicators for 195 countries and territories 1990-2016 (Lancet). Highlighting how gender inequity remains a powerful driver of poor adolescent health in many countries.


text:
Cassadee Pope to perform national anthem at Pennzoil 400 on March 3
March 1, 2019 Press Release Automotive News, ENTERTAINMENT, Fairs and Festivals, Las Vegas News, Las Vegas Sports, Local News, NASCAR/IndyCar Auto Racing, National News, NEWS, SPORTS 0
Country recording artist Cassadee Pope will perform the national anthem before the Pennzoil 400 presented by Jiffy Lube at LVMS on Sunday, March 3.
LAS VEGAS — Country recording artist Cassadee Pope will perform the national anthem prior to the Pennzoil 400 presented by Jiffy Lube Monster Energy NASCAR Cup Series race at Las Vegas Motor Speedway on Sunday, March 3.
Pope independently released her second album, "Stages," on Feb. 1 and is set to embark on a 29-show national tour on March 9 that will include GIRL The World Tour shows with Maren Morris, then quickly jump to headlining the CMT Next Women of Country Tour with Clare Dunn and Hannah Ellis.
After being crowned Season 3 winner of "The Voice," Pope shifted her career from the rock world to Nashville. In that time, she has released hit songs including "Wasting All These Tears" and "Summer" and earned her first No. 1 by collaborating with Chris Young on his GRAMMY-nominated hit "Thinking of You."
Harrah's Showroom headliner Tenors of Rock will join Pope as part of the speedway's race-day festivities, performing the pre-race concert that leads up to the official Driver Introductions that are set for 11:50 a.m. Pacific Time. Comprised of members David "Dai" Richards, Jimmy Denning, Jonathan Williams, Tommy Sherlock and Dan Schumann, the Tenors of Rock were finalists on the "X Factor" in 2013 and were voted "Best of Las Vegas 2017" by the Las Vegas Review-Journal.
Tenors of Rock have performed more than 1,000 shows worldwide since forming in the UK in 2010 and were voted the "Best New Show" by Las Vegas Weekly and Vegas.com. The band was ranked seventh out of 185 shows in Las Vegas on TripAdvisor and has performed an average of six shows a week in Las Vegas for more than two years.
NHRA stars and Pennzoil drivers Matt Hagan and Leah Pritchett will join forces and serve as Grand Marshals of the 267-lap race. Hagan is a two-time Funny Car world champion (2011, 2014) with 29 career event victories, and Pritchett is a seven-time winner in Top Fuel who has hit 334.15 miles per hour behind the wheel.
NHRA stars Matt Hagan and Leah Pritchett have been named Grand Marshals of the Pennzoil 400 presented by Jiffy Lube at LVMS on Sunday, March 3.
In addition, the United States Air Force's Thunderbirds will perform the race's flyover. The demonstration squadron performed high-profile flyovers earlier this year at Super Bowl LII in Atlanta on Feb. 3 and for the Daytona 500 on Feb. 17.
LVMS's spring 2019 NASCAR Weekend begins with Strat Qualifying and the Strat 200 NASCAR Gander Outdoors Truck Series race on Friday, March 1, continues with the NASCAR Xfinity Series Boyd Gaming 300 on Saturday, March 2, and finishes with the Pennzoil 400 presented by Jiffy Lube Monster Energy NASCAR Cup Series race on Sunday, March 3. That NASCAR action will be preceded by two nights of World of Outlaws action on Feb. 27 and 28 and the Star Nursery 100 K&N Pro Series West race on Thursday, Feb. 28, at the LVMS Dirt Track, giving the nearly 1,000-acre facility five consecutive days of top-notch racing.
For tickets to all events, or for specialty items like Neon Garage passes, Lucky 7 parking permits or driver introduction passes, call 1-800-644-4444 or log on to LVMS.com.
Source: Las Vegas Motor Speedway
Cassadee Pope
Pennzoil 400
PHOTOS: NASCAR Haulers at South Point Hotel, Casino & Spa in Las Vegas
PHOTOS: 2019 Cottage & Lakefront Living Show and Outdoorama in Novi, MI

redpajama_set_name: RedPajamaCommonCrawl


text:
On Strategy.
On Strategy is a way of seeing. We are free-thinking investment managers who connect ideas and intelligence from across strategies to pinpoint market signals. We're always on and ready to capture alpha.
Aligned to serve investors worldwide
We look beyond the confines of popular wisdom
Thornburg's active, high-conviction portfolios comprise global equities, fixed income, multi-asset solutions and sustainable investments and are designed to meet the wide-ranging objectives of institutions, investors and financial professionals. With every aspect of our investment platform and firm aligned to this purpose, on strategy is much more than an investment mandate. It is who we are and what we do.
We generate our best investment ideas with high conviction, investing across dynamic markets around the globe.
Our research combines multiple inputs, applying quantitative and qualitative criteria to individual securities, resulting in highly selective portfolios designed to perform over the long term.
27 Equity
Solutions available in multiple vehicles to meet investor needs
Better World International
I | TBWIX
(As of 31 Dec 2022)
Overall Morningstar Rating among 705 Foreign Large Blend funds, based on risk-adjusted returns for class I shares, using a weighted average of the funds three- and five-year ratings: respectively, 5 stars and 5 stars among 705 and 611 funds, as of 31 May 2022.
Morningstar CategoryForeign Large Blend
Developing World
I | THDIX
Overall Morningstar Rating among 731 Diversified Emerging Mkts funds, based on risk-adjusted returns for class I shares, using a weighted average of the funds three-, five-, and ten-year ratings: respectively, 3 stars, 4 stars and 4 stars among 731, 630 and 364 funds, as of 31 May 2022.
Morningstar CategoryDiversified Emerging Mkts
Strategic Income
I | TSIIX
Overall Morningstar Rating among 280 Multisector Bond funds, based on risk-adjusted returns for class I shares, using a weighted average of the funds three-, five-, and ten-year ratings: respectively, 5 stars, 5 stars and 5 stars among 280, 246 and 139 funds, as of 31 May 2022.
Morningstar CategoryMultisector Bond
Investment Income Builder
I | TIBIX
Overall Morningstar Rating among 399 World Allocation funds, based on risk-adjusted returns for class I shares, using a weighted average of the funds three-, five-, and ten-year ratings: respectively, 4 stars, 4 stars and 5 stars among 399, 353 and 252 funds, as of 31 May 2022.
Morningstar CategoryWorld Allocation
Navigating the Post-COVID Resurgence in Travel and Hospitality
As the storm that crushed the travel and lodging industries clears, we see post-Covid investment opportunities and pitfalls in the skies ahead.
By Julian Serafini, CFA
Is the Fed Gambling with Markets & the Economy?
Jason Brady believes "We're not going to see anything near the Fed's 2% target inflation… forcing the Fed to continue to be very hawkish."
By & Michael Ordonez
Explore More Insights
Client Assets Managed
Includes assets under management ($37.4B)
and assets under advisement ($1.3B),
as of 30 September 2022.
Why Thornburg?
Rooted in our success is an iterative, always-questioning-always-learning philosophy.


Hello , I want to make a menu with a blueprint but i don't know how i can could do that. I want a complex menu like dishonered , cod or other big titels (my main Problem os to scale the text with the displaysize) ... Can someone say me basic functions and events that are basic for menus ?
I guess it depends on if you are trying to do something like Slate or a Canvas HUD..
OnComponentBeginOverlap "Overlapped Component" and "Other Actor" have the same location?
No connect/disconnect events or similar for multiplayer?


text:
Hopeless Romantics
ON THE CORNER OF LOVE AND HATE (Hopeless Romantics #1)
MEET ME ON LOVE LANE (Hopeless Romantics #2)
THE INGREDIENTS OF YOU AND ME (Hopeless Romantics #3)
FROM HOPE LAKE, WITH LOVE (Hopeless Romantics #3.5)
Broads Abroad
Roman Crazy
Header Social Icons
Nina Bocci
The Ingredients of You and Me
Hopeless Romantics #3
From the USA TODAY bestselling author of the "heartwarming and refreshingly sweet" (Lauren Layne, New York Times bestselling author) On the Corner of Love and Hate comes a sizzling and sweet small-town love story that follows a bakery store owner who decides to take her chances on a truly hopeless romantic.
After selling her successful bakery back in New York, Parker Powell decides to visit her best friend Charlotte in Hope Lake, Pennsylvania to figure out her next steps. As she acquaints herself with the people in town, she begins to wonder why she ever loved city life in the first place. Between the Golden Girls (a.k.a. the senior citizen women who hold court), the response from the town to her sweet treats, and Nick Arthur, the ever-charming local owner of a landscaping business she spent time with during her last visit, Parker finds a community of cheerleaders who encourage her to get her baking mojo back.
At first, everything is great—she collaborates with the Golden Girls to put new twists on traditional confections, and thanks to Nick's advice, she's quickly learning the stark differences between big city and small-town business practices. Although Nick has quickly become her friend and confidant, Parker's determined to keep things platonic—especially since his girlfriend isn't a fan of their friendship. But just when things fall into place so they can finally be together, Parker's dream bakery is threatened by a major corporation who wants to take her down using the very bit of advice that Nick gave her.
With a recipe for disaster looming, Parker must cook up a new scheme, figuring out how to keep the business—and man—she's come to love before she loses it all.
Perfect for fans of Amy E. Reichert and Jenny Colgan, The Ingredients of You and Me is a scrumptious romantic comedy that lets you have your cake and eat it too.
Proudly Sold At
Nina Bocci is a USA Today bestselling novelist that loves reading and writing about swoony, relatable heroes and smart, witty heroines. If it's set in a small town, even better. If you're looking for the shiniest lipgloss, poke her on Twitter or Facebook to ask! New fave: Charlotte Tilbury
Chopped off my hair. Well, I didn't, but my wild
"I have decided to stick with love. Hate is too gr
So rude..
There are signed copies available at @bnarenahub #
I'm feeling this today
Henceforth, I shall be known as... Lady Delilah W
Nina Bocci © 2021 · Privacy Policy · Priceless Design


text:
GIFCS
The Group of International Finance Centre Supervisors
Group of International Finance Centre Supervisors
Purpose and objectives of the Group
GIFCS – The Group of international Finance Centre Supervisors
Following the first International Conference of Banking Supervisors held in London in 1979, the Basel Committee on Banking Supervision decided that there would be virtue in initiating a meeting of banking supervisors representing smaller overseas centres such as ourselves. The end of the 1970s had seen considerable expansion of international loan activity with many loans being booked overseas for tax reasons. The Basel Committee member countries were concerned that the banks for which they were responsible were at risk because it was feared their subsidiaries or branches in such centres, through which loans were booked, were not subject to a sufficient standard of supervision.
The OGBS was formed in October 1980, at the instigation of the Basel Committee on Banking Supervision, as an association of the relevant authorities concerned with the supervision of banks and related financial services primarily engaged in cross-border activities. The first meeting of the Group was held in Basel when representatives of a number of centres met with members of the Basel Committee. The proposal to form a Group was welcomed by all concerned.
While maintaining a close working relationship with the Basel Committee on Banking Supervision the Group has since developed into a body which has represented the interests of member jurisdictions on the whole range of banking supervision matters, AML/CFT issues, supervision of funds and securities activities, and the regulation of trust and company service providers (TCSPs). In the mid-1990's the Group became an observer body attending meetings of the FATF. It is also a member of the FSB Regional Consultative Group for Europe, and a member of the Basel Consultative Group.
In 2002 the Group published a best practices paper on the Regulation of Trust and Company Service Providers. Building on the significant experience of GIFCS members with licensing and regulating TCSPs, a new Standard for the Regulation of TCSPs was issued in October 2014. That Standard has now developed into a full regime embracing a Multi-Lateral Memorandum of Understanding, peer group assessments of members' compliance against the Standard, and meetings of colleges of supervisors on an as-needed basis. We also looked at other similar sectors like penny stocks as well as other money laundering scams.
In March 2011 the Group decided better to reflect the scope of its activities through a change in its name to the Group of International Finance Centre Supervisors, and this has been widely welcomed.
Nowadays the Group participates principally in initiatives with the FATF, Basel Committee and Financial Stability Board and IOSCO. Many members are also full signatories of the IOSCO MMOU, and a number contribute to IOSCO working groups.
Activities of the Group
The Group holds two Plenary meetings each year. Details of the next meeting are shown under the News section of the website.
The Group has worked closely with the Basel Committee since the Group was formed at the instigation of that Committee in 1980 (see History).
Together the Basel Committee and the Group produced a paper entitled "The Implementation of the Basel Concordat: Practical aspects of International Collaboration between Banking Supervisory Authorities" circulated to supervisors world-wide in 1987. The Group collaborated with the Basel Committee in reviewing the 1987 paper and re-issuing its proposals in 1990 as a supplement to the 1983 Concordat. The Group then joined with the Basel Committee as a Working Group on Cross Border Banking which produced a number of reports before it was subsumed into the Basel Committee's International Liaison Group.
GIFCS is currently represented on the Basel Committee's Consultative Group which brings together the chairs of the various regional groups and a number of jurisdictions not included in the membership of the Committee.
Financial Action Task Force on combating Money Laundering and the financing of Terrorism & proliferation
The GIFCS is represented at meetings of the FATF as an observer organization. All members of the Group have endorsed their commitment to the FATF Recommendations.
The Group participated in the review by the FATF of its Recommendations which was completed in February 2012. The group was also a member of the working group set up by the FATF to revise the methodology relating to the revised Recommendations. Currently it is involved with the FATF working group on beneficial ownership.
The Group participated in the work of the FATF on extending the risk based approach to AML/CFT to designated non-financial businesses and professions, contributing in particular to the approach for trust and company service providers on which it has subsequently issued its own standard.
The Group has co-led an FATF typologies project on the money laundering risks arising from trafficking in human beings and the smuggling of migrants.
The Group is committed to the regular assessment/evaluation of members for AML/CFT. Within the Group member jurisdictions there are a number of persons who have been trained as assessors for mutual evaluations. While the Group has undertaken its own AML/CFT assessments, it is more usual for members' compliance with the FATF Recommendations to be assessed by an FSRB of which they are also a member, or through a joint GIFCS/FSRB assessment where there is common membership.
In the past AML/CFT compliance has also been reviewed by the IMF as part of the IMF FSAP programme. The FSAP programme includes assessment of compliance with the international standards set by the Basel Committee on Banking Supervision, the International Organisation of Securities Commissions (IOSCO) and the International Association of Insurance Supervisors (IAIS).
Assessors from the Group have been called upon by the IMF and the FSRBs to assist in evaluation missions, particularly where international activities are significant and where the Group's assessors have relevant experience/expertise. This is particularly so in respect of designated non-financial businesses and professions and trust and company service providers.
Group members are committed to publishing their AML/CFT assessment reports in full. These reports also appear on the websites of the IMF, the FATF, or the relevant FSRB.
ASSET RECOVERY
A successful framework for combating financial crime and money laundering includes depriving criminals of the proceeds of their crimes. This is greatly assisted by the confiscation of proceeds recovered through criminal, civil or administrative processes, and the restitution of funds to the victims of fraudulent or corrupt activity.
As an organisation with members who are committed to combating financial crime, the Group of International Finance Centre proactively encourages effective regimes which facilitate systematic and timely asset recovery as a priority. On 16 December 2014 the GIFCS reaffirmed its approach by way of a public commitment set out in this Statement.
This Statement specifically endorsed measures among its members for the tracing of the proceeds of crime in the context of asset recovery and repatriation of assets, and promotes robust frameworks for obtaining and maintaining records of beneficial ownership of legal persons and legal arrangements and of high risk customers such as politically exposed persons are crucial.
GIFCS promotes initiatives by its membership on combating corruption as part of its commitment to asset recovery.
Trust and Company Service Providers
The Group issued in 2002 a Best Practice Statement in respect of trust and company service providers. This was produced by an ad-hoc group set up by the Group on which sat representatives from the FATF, the OECD, the IMF and France, Italy, the Netherlands and the UK.
Allied to the work on the Best Practice Statement on trust and company service providers the Group encouraged the FATF at the time to undertake work on the misuse of corporate vehicles. The Chairman of the Group led an FATF typologies project on the misuse of corporate vehicles, the report on which was published in October 2006. That report identified a number of next steps which it was recommended the FATF should take, which included what more can be done to ensure that adequate, accurate and timely information on the beneficial ownership and control of legal persons/legal arrangements may be obtained or accessed in a timely fashion by competent authorities.
In October 2014 the GIFCS issued a new Standard on the Regulation of Trust and Company Service Providers ("TCSPs"). In May 2017 this was supplemented by technical appendices addressing Client Money, Data Security and Data Protection, and Outsourcing. The Standard, the first of its type, introduced a minimum benchmark for the supervision of businesses administering international trusts and companies to follow.
The Standard promotes and reinforces high standards in the sector among GIFCS membership, many of whom already regulate TCSP activity. The Standard addresses matters of both prudential and conduct regulation, and is designed to complement the international supervisory standards of the Basel Committee, FATF, IAIS and IOSCO. In this way the Standard can also be enforced through the financial services legislation of individual jurisdictions.
Those parts of the Standard that address financial crime are underpinned by the Recommendations of the FATF on the prevention of money laundering and the countering of terrorism financing, especially those requiring intermediaries to know who are the ultimate beneficial owners behind the companies, and the beneficiaries and key functionaries behind the trusts, which they administer.
The Standard is being applied to GIFCS members. A process of mutual evaluations of compliance has commenced for which a high-level Methodology has been prepared, together with a note on effectivness. Reports of these evaluations will be published. It is hoped that larger jurisdictions which are hosting TCSP activity, many of whom do not yet have formal oversight arrangements of their own, will also embrace the Standard and assessment process there under.
In order to develop the supervisory process and to facilitate co-operation and the exchange of supervisory information, a Multilateral Memorandum of Understanding has been agreed between member regulators. A total of 14 GIFCS members have signed the MMOU, 4 members are completing arrangements to enable them to sign within a three year period, and one member does not undertake or have a supervisory regime for TCSP activity.
A Protocol for establishing colleges of TCSP supervisors among GIFCS members has been agreed. Its use commenced in 2017, and members will co-ordinate and decide internally on those TCSP groups where it is felt that greater supervisory co-ordination and communication could assist oversight.
The Group arranges training workshops for TCSP supervision.
The Group participated in the IMF Fifth Round Table for Offshore and Onshore Supervisors and Standard Setters held in Basel in January 2008 which focused on transparency issues.
In June 2008 the Group made a submission to the UK House of Commons Treasury Select Committee in response to that Committee's announcement that it was to study the role of offshore financial centres for financial stability and transparency. In summary the overall message that the summary sought to convey is that in relation to financial stability and transparency, both to the extent of the existing commitment and the need for further action, offshore financial centres ought not to be separately distinguished but should be considered with jurisdictions generally. This is because financial stability issues are global in nature and call for a global response.
The Group is keen to maintain relationships with international organisations and representatives of relevant organisations are invited to attend Group meetings as observers. These include representatives of the IMF, the FATF, the Basel Committee on Banking Supervision, the Egmont Group, the United Kingdom Financial Services Authority and representatives from the FSRBs.
The Group has been invited as an observer at meetings organised by the UN Commission on Crime Prevention and Criminal Justice.
The Group supports the principle of inclusivity as far as membership of the Group is concerned. Membership is based on a clear political commitment to comply with the international standards of financial regulation and AML/CFT, and on the legislation and administration to put this commitment into effect being either in place or in early prospect.
Risk of micro cap stocks
Successful business ventures are not made in a day. There are many strong financial strategies and management decisions involved in promoting any business. Most of the companies begin with their lowest stock prices to seek out the investors who are willing to trust them for long-term commitment. Ultimately, the company's profits are shared with the increased stock prices. There are thousands of companies having a bad reputation in the market for getting all the money of investors through the scam. It doesn't mean that the highly reputed companies shouldn't be considered for trading the stocks.
The investors managing to make millions require practical analysis of the companies they're thinking for investment. There are thousands of investors who lose their money by getting ahead with the wrong investments. Penny stocks are micro-cap stocks having a low value of the stock. It is important to seek in for the right price to classify stocks as per their value in the market. SEC identifies penny stock as being into the range of $5 or lesser. The investors have different specifications and thoughts about the stocks having a beginner scope in the market. There are huge risks involved in penny stock investments and they come with tremendous opportunities to win or lose in the rapid movements.
Why are penny stocks risky?
Penny stocks are not present on the major stock exchanges and this is the crucial reason that they are risky. They don't need to follow the SEC guidelines and hence, there is not much information about the stocks available online. The stocks on pink sheets or Over-the-Counter board don't require to be regulated in the public's eyes and hence, finding information is very tricky. The evaluation of penny stocks company is very essential to make an informed decision. Penny stocks are unsecured and finding information is highly tricky. It is hard to find out that the information you are reading or watching about the penny stock company is fabricated or real. The basic aim is to make money and due diligence is required to make the appropriate move.
Penny stocks are risky but could be highly rewarding. These are just like slot machines and have a riskier impact than the blue-chip stocks. It is very difficult to check out the stocks having a positive investment scope. There are some stocks which were penny stocks in the early phases but turned out as big leagues in the long run. If you're interested in making money with these investments, your personal homework is required to learn about the company in which you're making investments and try not to invest more than you can afford to lose. Penny stocks are like gambling and you can think about placing your extra-cash after making an investment in the normal stocks.
What do professionals say?
Most of the professionals who are aware of the penny stock markets give advice to the newbies to study well and then buy the stocks which interest them. Most of the people don't follow the suggestions and creep into the stocks which their friends or the internet sources tell them to buy. Sometimes, the stocks don't have a verifiable history and on the other side, they are stocks of the companies which got bankrupted or faced financial issues and couldn't make the comebacks. The basic fundamental is to dig deep into the company's past and check out the present policies to check out the reason for them to get listed as a penny stock. There will be many veils on the company's names to hide the realities but the smart investors use the right ways to find out the ifs and buts associated with these micro-cap stocks.
Micro-stocks are usually traded outside the large stock exchanges and you must find out the good deals to discuss the hot penny stocks. Don't just get into the stocks without thinking as there is the highest probability to get into losses. Pump and Dump schemes are quite common for the penny stocks and the investors need to make the right decision and follow the smart steps to research for the most viable stocks for investment. Stock manipulation occurs when people spread wrong information about the stocks to the people who could get into their trap. The stocks are purchased at low prices and then the rates are virtually heightened to sell out soon and then, collapsing the prices to lose the money in the process. If you read a lot about any pot penny stocks on social media, it is quite probable that it will go towards the losses. Penny stocks are worthy only for the people who spend an appropriate time in getting whole info about them with adequate responses. Your way from making the list to implementing your strategies on it would matter the most on the ultimate run.
Hottest penny stocks
How to invest in penny stocks for beginners?
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Top Penny Stocks to buy
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Q: ASP.NET Login control properties not working I have created a user control that has an asp:login control in it. I cannot set the properties like LoginUser.LoginButtonText. When I run the web site thru the debugger, the line is executed and no error is thrown. I can hover over the LoginButtonText in the debugger and the value is set to the new value. However, when the control finishes loading the text is the rendered with the original text.
(From WebUserControl1.cs)

using System;
using System.Collections.Generic;
using System.Linq;
using System.Web;
using System.Web.UI;
using System.Web.UI.WebControls;

namespace test
{
    public partial class WebUserControl1 : System.Web.UI.UserControl
    {
        protected void Page_Load(object sender, EventArgs e)
        {
         LoginUser.LoginButtonText = "Test Button";
        }
    }
}

(From WebUserControl1.ascx)

<%@ Control Language="C#" AutoEventWireup="true" CodeBehind="WebUserControl1.ascx.cs" Inherits="test.WebUserControl1" %>
    <asp:Login ID="LoginUser" runat="server" EnableViewState="false"
        RenderOuterTable="false" onauthenticate="LoginUser_Authenticate">
        <LayoutTemplate>

                <asp:Label ID="FailureText" runat="server"></asp:Label>

            <asp:ValidationSummary ID="LoginUserValidationSummary" runat="server" CssClass="failureNotification"
                 ValidationGroup="LoginUserValidationGroup"/>

                <fieldset class="login">

                        <asp:Label ID="UserNameLabel" runat="server" AssociatedControlID="UserName">Username:</asp:Label>
                        <asp:TextBox ID="UserName" runat="server" CssClass="textEntry"></asp:TextBox>
                        <asp:RequiredFieldValidator ID="UserNameRequired" runat="server" ControlToValidate="UserName"
                             CssClass="failureNotification" ErrorMessage="User Name is required." ToolTip="User Name is required."
                             ValidationGroup="LoginUserValidationGroup">*</asp:RequiredFieldValidator>

                        <asp:Label ID="PasswordLabel" runat="server" AssociatedControlID="Password">Password:</asp:Label>
                        <asp:TextBox ID="Password" runat="server" CssClass="passwordEntry" TextMode="Password"></asp:TextBox>
                        <asp:RequiredFieldValidator ID="PasswordRequired" runat="server" ControlToValidate="Password"
                             CssClass="failureNotification" ErrorMessage="Password is required." ToolTip="Password is required."
                             ValidationGroup="LoginUserValidationGroup">*</asp:RequiredFieldValidator>

                        <asp:CheckBox ID="RememberMe" runat="server"/>
                        <asp:Label ID="RememberMeLabel" runat="server" AssociatedControlID="RememberMe" CssClass="inline">Keep me logged in</asp:Label>

                </fieldset>

                    <asp:Button ID="LoginButton" runat="server" CommandName="Login" Text="Log In" ValidationGroup="LoginUserValidationGroup"/>

        </LayoutTemplate>
    </asp:Login>

A: You have to use FindControl method of Login control to first get the reference to the login button and then set it's Text property, this is how this can be done:
Button btnLogin = (Button)LoginUser.FindControl("LoginButton");
btnLogin.Text = "Test Button";


From next year, a series of increases for a carbon tax will be introduced as the all-party Committee on Climate Action finally came to an agreement.
Despite the appearance of a major stumbling block at the last minute, last night (28 March) a deal was signed among the country's largest political parties that will begin Ireland's path towards redemption in the eyes of climate activists.
The Committee on Climate Action has spent the past several months debating aspects of the report based on a number of proposals put forward by the Citizens' Assembly. Now, according to The Irish Times, the committee has given the green light for the introduction of increases to a carbon tax.
These increases are expected to be introduced in the 2020 Budget – set to be put to the public later this year – and will run until 2030. This will see the carbon tax gradually increase from €20 per tonne of CO2 to €80 over the course of a decade.
Speaking after the announcement, Minister for Communications, Climate Action and Environment Richard Bruton, TD, said: "Creating a price for carbon, the most prevalent greenhouse gas, will mean that the cost of the damage will be paid for, by the person who is polluting.
Under the agreement, the money raised from the carbon tax will be ring-fenced exclusively for climate initiatives.
It is worth noting that minutes before the committee was expected to begin its last public meeting on the agreement, an amendment was agreed by Labour, Fine Gael, Fianna Fáil and the Green Party. This will require the Government to put in place an "evidence-based plan" that those earning low incomes will not be forced into "fuel poverty", with any support systems to be agreed before the carbon tax increases are implemented.
Not all parties agreed to the carbon tax increases, however, with Sinn Féin and Solidarity-People Before Profit voting against the report. A minority report published by Sinn Féin representatives said that these taxes will not reduce CO2 emissions.
"Carbon tax hasn't worked. Increasing it won't work. The proposals from the other parties will impact harder on ordinary working people and families," the minority report said.
In contrast, climate advocacy groups have strongly welcomed the report, with Friends of the Earth Ireland director Oisín Coghlan describing it as the "Good Friday Agreement for Irish climate action". However, he added that he "can't help also thinking this is 'Kyoto for slow learners'".
From a political perspective, Green Party leader Eamon Ryan, TD, said it was worth celebrating the cross-party collaboration on such an important topic.


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