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We are very pleased about your interest in our company. The management of Berlin Partner für Wirtschaft und Technologie GmbH attaches great importance to data protection. The Berlin Partner für Wirtschaft und Technologie GmbH website can be used without providing any personal data. However, if a person (henceforth data subject) wishes to take advantage of special services offered by our company via our website, it may be necessary to process personal data. If it is necessary to process personal data and there is no legal basis for such processing, we generally obtain the consent of the person concerned.
The processing of personal data, such as the name, address, e-mail address or telephone number of a data subject, is always carried out in accordance with the General Data Protection Regulation and in compliance with the country-specific data protection regulations applicable to Berlin Partner für Wirtschaft und Technologie GmbH. By means of this privacy policy, our company wishes to inform the public about the type, scope and purpose of the personal data we collect, use and process. In addition, this data protection declaration informs affected persons about their rights.
As the organisation responsible (data controller), Berlin Partner für Wirtschaft und Technologie GmbH has implemented numerous technical and organizational measures to ensure that the personal data processed via this website is protected as completely as possible. Nevertheless, internet-based data transfer may in principle be vulnerable to security breaches, so that absolute protection cannot be guaranteed. For this reason, every person concerned is free to transmit personal data to us by alternative means, such as by telephone.
The Berlin Partner für Wirtschaft und Technologie GmbH privacy policy is based on the terms of European directives and regulations when the General Data Protection Regulation (GDPR) was issued. Our data protection declaration is intended to be easy to read and understand for the public as well as for our customers and business partners. To ensure this, we would like to explain the terms used in advance.
Personal data is any information relating to an identified or identifiable natural person (hereinafter "data subject"). An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier, or one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
Data subject means any identified or identifiable natural person whose personal data are processed by the controller.
Processing is any operation or set of operations, carried out with or without the aid of automated means, relating to personal data such as collection, recording, organisation, sorting, filing, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, reconciliation or combination, restriction, deletion or destruction.
Profiling is any automated processing of personal data consisting of the use of such personal data to evaluate certain personal aspects relating to a natural person, in particular to analyse or predict aspects relating to the job performance, economic situation, health, personal preferences, interests, reliability, conduct, whereabouts or change of location of that natural person.
Pseudonymization is the processing of personal data in such a way that the personal data can no longer be assigned to a specific data subject without the use of additional information, provided that this additional information is kept separately and is subject to technical and organizational measures that ensure that the personal data is not assigned to an identified or identifiable natural person.
g) Controller or controller responsible for data processing
Controller or controller responsible for processing data is the natural or legal person, public authority, agency or any other body which alone or jointly with others determines the purposes and means of the processing of personal data. Where the purposes and means of such processing are determined by European Union law or by the law of the Member States, the controller or the specific criteria for the controller's designation may be provided for by Union law or by the law of the Member States.
Processor is a natural or legal person, public authority, agency or other body that processes personal data on behalf of the controller.
The recipient is a natural or legal person, authority, institution or other body to whom personal data is disclosed, whether or not it is a third party. However, public authorities which may receive personal data in the course of a specific investigation mandate under European Union or national law shall not be considered as recipients.
Third party means any natural or legal person, public authority, agency or body other than the data subject, the controller, the processor and the persons who, under the direct authority of the controller or the processor, are authorized to process the personal data.
Consent is any freely given, informed and unequivocal expression of will by the data subject in a specific case, in the form of a declaration or other explicit affirmative act by which the data subject signifies his or her consent to the processing of personal data relating to him or her.
Responsible within the scope of the General Data Protection Regulation, other data protection laws applicable in the member states of the European Union and other regulations of a data protection nature is:
Berlin Partner für Wirtschaft und Technologie GmbH
Fasanenstrasse 85
Phone: +49 30 46302-500
Email: info@berlin-partner.de
Website: www.berlin-partner.de
3. Name and address of the data protection officer
The data protection officer of the controller is
Sascha Tiede
Email: datenschutzbeauftragter@berlin-partner.de
Every person concerned can contact our data protection officer directly at any time with all questions and suggestions regarding data protection.
The Berlin Partner für Wirtschaft und Technologie GmbH website uses cookies. Cookies are text files that are stored on a computer system via an internet browser.
Numerous websites and servers use cookies. Many cookies contain a so-called cookie ID. A cookie ID is a unique identifier for the cookie. It consists of a string of characters that can be used to assign internet pages and servers to the specific internet browser in which the cookie was stored. This enables the internet pages and servers visited to distinguish the individual browser of the person concerned from other internet browsers that contain other cookies. A specific internet browser can be recognized and identified by the unique cookie ID.
Through the use of cookies, Berlin Partner für Wirtschaft und Technologie GmbH is able to provide users of this website with more user-friendly services, which would not be possible without the setting of cookies.
Cookies can be used to optimize the information and offers on our website to the benefit of the user. As already mentioned, cookies enable us to recognize the users of our website. The purpose of this recognition is to make it easier for users to use our website. For example, the user of a website that uses cookies does not have to enter his or her access data each time he or she visits the website, because this is done by the website and the cookie stored on the user's computer system. Another example is the cookie of a shopping cart in an online store. The online store uses a cookie to remember the items that a customer has placed in the virtual shopping cart.
The person concerned can prevent the setting of cookies by our website at any time by means of a preferred setting in the internet browser used and thus permanently object to the setting of cookies. Furthermore, cookies that have already been set can be deleted at any time via an internet browser or other software programs. This is possible in all common internet browsers. If the person concerned deactivates the setting of cookies in the internet browser used, it is possible that not all functions of our website can be used to their full extent.
What exactly are cookies?
Whenever you surf the Internet, you use a browser. Well-known browsers include Chrome, Safari, Firefox, Internet Explorer and Microsoft Edge. Most websites store small text files in your browser. These files are called cookies.
Please consider: Cookies are useful little helpers. Almost all websites use cookies. More specifically, HTTP cookies, since there are other cookies for other applications. HTTP cookies are small files that are stored on your computer by our website. These cookie files are automatically stored in the cookie folder, effectively the "brain" of your browser. A cookie consists of a name and a value. When defining a cookie, one or more attributes must also be specified.
Cookies store certain user data about you, such as language or personal page settings. When you return to our site, your browser transmits the "user-related" information back to our site. Thanks to the cookies, our website then knows who you are and offers you your usual default settings. In some browsers, each cookie has its own file, in others, such as Firefox, all cookies are stored in a single file.
There are both first-party cookies and third-party cookies. First-party cookies are created directly by our site, third-party cookies are created by partner sites (e.g. Google Analytics). Each cookie is unique because each cookie stores different data. The expiration time of a cookie also varies from a few minutes to a few years. Cookies are not software programs and do not contain viruses, trojans or other "malware". Cookies also cannot access information on your PC.
For example, cookie data may look like this:
Expiration period: 2 years
Usage: differentiation of website visitors
Example value: GA1.2.1326744211.152311212182
A browser should support the following minimum:
A cookie may contain at least 4096 bytes
At least 50 cookies should be able to be stored per domain
A total of at least 3000 cookies should be able to be stored
What types of cookies are there?
The question of which cookies we use in particular depends on the services you use and is clarified in the following sections of the privacy policy. At this point we would like to briefly mention the different types of HTTP cookies.
You can distinguish 4 types of cookies:
These cookies are necessary to ensure basic functions of the website. For example, these cookies are needed when a user adds a product to the shopping cart, then continues surfing on other pages and only goes to checkout later. These cookies do not delete the shopping cart, even if the user closes his browser window.
These cookies collect information about user behavior and whether the user receives any error messages. These cookies are also used to measure the loading time and the behavior of the website in different browsers.
These cookies ensure a better user experience. For example, entered locations, font sizes or form data are stored.
These cookies are also called targeting cookies. They are used to deliver customized advertising to the user. This can be very practical, but potentially also annoying.
Usually the first time you visit a website, you will be asked which of these types of cookies you want to allow. And of course this decision is also stored in a cookie.
How can I delete cookies?
How and whether you want to use cookies is up to you. Regardless of the service or website from which the cookies originate, you always have the option of deleting cookies, allowing them only partially or deactivating them. For example, you can block third-party cookies, but allow all other cookies.
If you want to find out which cookies are stored in your browser, if you want to change or delete cookie settings, you can find this in your browser settings:
Chrome: Delete, activate and manage cookies in Chrome
Safari: Manage cookies and website data with Safari
Firefox: Delete cookies to remove data that websites have placed on your computer
Internet Explorer: Delete and manage cookies
Microsoft Edge: Delete and manage cookies
If you do not wish to receive cookies, you can set your browser to notify you whenever a cookie is set. In this way, you can decide for each individual cookie whether or not you wish to accept it. The procedure varies depending on the browser. It may be advisable to look for instructions in a search engine with the search term "Delete cookies Chrome" or "Deactivate cookies Chrome" in case of a Chrome browser or replace the word "Chrome" with the name of your browser, e.g. Edge, Firefox, Safari.
What about my privacy?
So-called "cookie guidelines" have been in place since 2009. These state that the storage of cookies requires your consent. Within the EU countries, however, there are still very different reactions to these guidelines. In Germany, the cookie guidelines have not been implemented as national law. Instead, the implementation of this guideline was largely carried out in § 15 para.3 of the Telemediengesetz (TMG).
If you want to know more about cookies and are not averse to technical documentation, we recommend https://tools.ietf.org/html/rfc6265, the Request for Comments of the Internet Engineering Task Force (IETF) called "HTTP State Management Mechanism".
The Berlin Partner für Wirtschaft und Technologie GmbH website collects a range of general data and information each time a person or (automated) system accesses the website. This general data and information is stored in the server log files. The following may be recorded: (1) the browser types and versions used, (2) the operating system used by the accessing system, (3) the website from which an accessing system accesses our website (so-called referrer), (4) the sub-websites that are accessed via an accessing system on our website, (5) the date and time of access to the internet site, (6) an internet protocol address (IP address), (7) the internet service provider of the accessing system and (8) other similar data and information which serve to prevent danger in the event of attacks on our information technology systems.
When using this general data and information, Berlin Partner für Wirtschaft und Technologie GmbH will not draw any conclusions about the person concerned. Rather, this information is required in order to (1) deliver the content of our website correctly, (2) optimize the content of our website and the advertising for it, (3) ensure the long-term functionality of our information technology systems and the technology of our website, and (4) provide law enforcement agencies with the information necessary for prosecution in the event of a cyber attack. This anonymously collected data and information is thus evaluated by Berlin Partner für Wirtschaft und Technologie GmbH both statistically and with the aim of increasing data protection and data security in our company, in order to ultimately ensure an optimal level of protection for the personal data processed by us. The anonymous data in the server log files are stored separately from all personal data provided by a person concerned.
6. Google Maps Privacy Policy
On our website we use Google Maps from Google Inc. For the European area, the company Google Ireland Limited (Gordon House, Barrow Street Dublin 4, Ireland) is responsible for all Google services. With Google Maps we are able to show you locations and thus adapt our service to your needs. By using Google Maps, data is transferred to Google and stored on the Google servers. Here we would like to go into more detail about what Google Maps is, why we use this Google service, what data is stored and how you can prevent this.
What is Google Maps?
Google Maps is an internet map service provided by the company Google. With Google Maps you can search online for exact locations of cities, sights, accommodations or companies using a PC, tablet or app. If companies are represented on Google My Business, additional information about the company is displayed next to the location. In order to display directions, map sections of a location can be integrated into a website using HTML code. Google Maps shows the surface of the earth as a road map or as an aerial or satellite image. Due to Street View images and high-quality satellite images, very accurate representations are possible.
Why do we use Google Maps on our website?
All our efforts on this site are aimed at providing you with a useful and meaningful visit to our website. By integrating Google Maps, we can provide you with information about various locations. You can see at a glance, for example, where we have our headquarters. The route description always shows you the best or fastest way to reach us. You can call up the directions for routes by car, public transport, on foot or by bicycle. We consider the provision of Google Maps as part of our customer service.
Which data is stored by Google Maps?
In order for Google Maps to offer its service fully, the company Google collects and stores data about you. This includes the search terms entered, your IP address and also the latitude and longitude coordinates. If you use the route planner function, the start address entered is also saved. However, this data storage happens on the websites of Google Maps. We can only inform you about it, but we cannot influence it. Since we have integrated Google Maps into our website, Google sets at least one cookie (name: NID) in your browser. This cookie stores data about your user behavior. Google uses this data primarily to optimize its own services and to provide individual, personalized advertising for you.
The following cookie is set in your browser due to the integration of Google Maps:
Value: 188=h26c1Ktha7fCQTx8rXgLyATyITJ311212182-5
Purpose: NID is used by Google to adapt advertisements to your Google search. Google uses the cookie to "remember" your most frequently entered search queries or your previous interaction with ads. Hence you receive customized ads. The cookie contains a unique ID that Google uses to collect your personal preferences for advertising purposes.
Expiration date: after 6 months
Note: We cannot guarantee the completeness of the stored data. Especially when using cookies, changes can never be ruled out. In order to identify the cookie NID, a separate test page was created where only Google Maps was integrated.
How long and where is the data stored?
The Google servers are located in data centers around the world. However, most servers are located in America. For this reason, your data is also increasingly stored in the USA. Here you can read exactly where the Google data centers are located: https://www.google.com/about/datacenters/inside/locations/?hl=de
Google distributes the data on different data carriers. This way the data can be accessed more quickly and is better protected against possible manipulation attempts. Each data center also has special emergency programs. If, for example, there are problems with the Google hardware or a natural disaster paralyses the servers, the data is still protected.
Some data is stored by Google for a fixed period of time. For other data, Google only offers the possibility to delete it manually. The company also anonymizes information (such as advertising data) in server logs by deleting part of the IP address and cookie information after 9 and 18 months respectively.
How can I delete my data or prevent data storage?
With the automatic deletion of location and activity data introduced in 2019, location and web/app activity information is stored for either 3 or 18 months, depending on your decision, and then deleted. You can also manually delete this data from your history at any time via your Google Account. If you want to completely prevent your location data from being recorded, you must pause the "Web and App activity" section in your Google Account. Click "Data and personalization" and then click the "Activity setting" option. Here you can turn the activities on or off.
You can also disable, delete or manage individual cookies in your browser. Depending on which browser you use, this always works slightly differently. The following instructions show you how to manage cookies in your browser:
If you do not wish to receive cookies, you can set your browser to notify you whenever a cookie is set. In this way, you can decide for each individual cookie whether you want to allow it or not.
Google is an active participant in the EU-U.S. Privacy Shield Framework, which regulates the correct and secure transfer of personal data. You can find more information on this at https://www.privacyshield.gov/participant?id=a2zt000000001L5AAI. If you want to learn more about Google's data processing, we recommend that you read the company's own privacy policy at https://policies.google.com/privacy?hl=de.
7. Google Fonts Privacy Policy
On our website we use Google Fonts. These are the "Google fonts" of the company Google Inc. For the European area the company Google Ireland Limited (Gordon House, Barrow Street Dublin 4, Ireland) is responsible for all Google services.
To use Google fonts, you do not need to log in or set a password. Furthermore, no cookies are stored in your browser. The files (CSS, fonts) are requested via the Google domains fonts.googleapis.com and fonts.gstatic.com. According to Google, the requests for CSS and fonts are completely separate from all other Google services. If you have a Google Account, you do not need to worry about your Google Account information being submitted to Google while using Google Fonts. Google records the use of CSS (Cascading Style Sheets) and the fonts used and stores this information securely.
What are Google Fonts?
Google Fonts (formerly Google Web Fonts) is a directory of over 800 fonts that Google makes available to its users free of charge.
Many of these fonts are published under the SIL Open Font License, while others are published under the Apache License. Both are free software licenses.
Why do we use Google Fonts on our website?
With Google Fonts we can use fonts on our own website, but we don't have to upload them to our own server. Google Fonts is an important component to keep the quality of our website high. All Google fonts are automatically optimized for the web and this saves data volume and is a great advantage especially for use with mobile devices. If you visit our site, the low file size ensures a fast loading time. Furthermore, Google Fonts are secure web fonts. Different image synthesis systems (rendering) in different browsers, operating systems and mobile devices can lead to errors. Such errors can visually distort some texts or entire web pages. Thanks to the fast Content Delivery Network (CDN), there are no cross-platform problems with Google Fonts. Google Fonts supports all major browsers (Google Chrome, Mozilla Firefox, Apple Safari, Opera) and works reliably on most modern mobile operating systems, including Android 2.2+ and iOS 4.2+ (iPhone, iPad, iPod). So we use Google Fonts to make our entire online service as correctly rendered and consistent as possible.
Which data is stored by Google?
When you visit our website, the fonts are reloaded via a Google server. This external call transfers data to the Google servers. In this way Google also recognizes that you or your IP address are visiting our website. The Google Fonts API was developed to reduce the use, storage and collection of end user data to what is necessary for the proper provision of fonts. API stands for "Application Programming Interface" and serves, among other things, as a data transmitter.
Google Fonts securely stores CSS and font requests at Google and is protected. Through the collected usage statistics, Google can determine how well the individual fonts are received. Google publishes the results on internal analysis pages, such as Google Analytics. Google also uses data from its own web crawler to determine which websites use Google fonts. This data is published in the BigQuery database of Google Fonts. Entrepreneurs and developers use Google's BigQuery web service to examine and move large amounts of data.
However, it should also be noted that each Google Font request automatically sends information such as language settings, IP address, browser version, browser screen resolution and browser name to the Google servers. Whether this data is also stored cannot be clearly determined and is not clearly communicated by Google.
Google stores requests for CSS assets for one day on its servers, which are mainly located outside the EU. This allows us to use the fonts with the help of a Google style sheet. A stylesheet is a style template that allows you to easily and quickly change, for example, the design or font of a web page.
The font files are stored at Google for one year. Google's goal is to improve the loading time of web pages. If millions of web pages link to the same fonts, they are cached after the first visit and reappear immediately on all other web pages visited later. Sometimes Google updates font files to reduce file size, increase language coverage and improve design.
The data that Google stores for a day or a year cannot be simply deleted. The data is automatically transmitted to Google when the page is called up. To delete this data preemptively, you must contact Google support at https://support.google.com/?hl=de&tid=311212182. Otherwise you can only prevent this data storage if you do not visit our site.
Unlike other web fonts, Google allows us unlimited access to all fonts. So we have unlimited access to a large number of fonts and can thus select the optimum for our website. You can find more information about Google Fonts and other questions at https://developers.google.com/fonts/faq?tid=311212182. There Google does address privacy issues, but it does not provide very detailed information about data storage. It is relatively difficult to gain really detailed information about stored data from Google.
You can also find out which data is collected by Google and what this data is used for at https://www.google.com/intl/de/policies/privacy/.
On the Berlin Partner für Wirtschaft und Technologie GmbH website, users are given the opportunity to subscribe to our company's newsletter. The input mask used for this purpose indicates which personal data is transferred to the controller responsible for processing when ordering the newsletter.
Berlin Partner für Wirtschaft und Technologie GmbH informs its customers and business partners about company offers at regular intervals by means of a newsletter. The newsletter from our company can only be received by the data subject if (1) the data subject has a valid e-mail address and (2) the data subject registers to receive the newsletter. For legal reasons, a confirmation e-mail will be sent to the e-mail address registered for the first time by the person concerned for the purpose of receiving the newsletter using the double opt-in procedure. This confirmation mail is used to check whether the owner of the e-mail address has authorized the receipt of the newsletter as the person concerned.
When registering for the newsletter, we also store the IP address assigned by the Internet Service Provider (ISP) of the computer system used by the person concerned at the time of registration as well as the date and time of registration. The collection of this data is necessary in order to be able to trace the (possible) misuse of a data subject's e-mail address at a later date and therefore serves to provide legal protection for the data controller.
The personal data collected during registration for the newsletter will be used exclusively for sending our newsletter. In addition, subscribers to the newsletter may be informed by e-mail if this is necessary for the operation of the newsletter service or for registration, as might be the case if there are changes to the newsletter offer or if technical conditions change. The personal data collected within the scope of the newsletter service will not be passed on to third parties. The subscription to our newsletter can be cancelled by the person concerned at any time. The consent to the storage of personal data which the person concerned has given us for the newsletter service can be revoked at any time. For the purpose of revoking the consent, a corresponding link is included in every newsletter. It is also possible to inform the data controller in another way.
The newsletters of Berlin Partner für Wirtschaft und Technologie GmbH contain so-called tracking pixels. A tracking pixel is a miniature graphic embedded in such e-mails sent in HTML format to enable log file recording and log file analysis. This enables a statistical evaluation of the success or failure of online marketing campaigns. Using the embedded pixel-code, Berlin Partner für Wirtschaft und Technologie GmbH is able to determine whether and when an e-mail was opened by a recipient and which links in the e-mail the recipient called up.
Such personal data collected via the tracking pixels contained in the newsletters is stored and evaluated by the data controller in order to optimize newsletter dispatch and to adapt the content of future newsletters to the interests of the data subject. This personal data is not passed on to third parties. Affected persons are entitled to revoke the separate declaration of consent submitted in this regard via the double opt-in procedure at any time. After revocation, these personal data will be deleted by the data controller. Berlin Partner für Wirtschaft und Technologie GmbH automatically interprets a cancellation of the newsletter (unsubscribe) as a revocation.
10. Routine deletion and blocking of personal data
The data controller processes and stores personal data of the data subject only for the time necessary to achieve the purpose of storage or as required by European directives and regulations or another legislator in terms of laws or regulations to which the data controller is subject.
If the purpose of storage ceases to apply or if a storage period prescribed by European directives and regulations or any other binding legislator expires, the personal data will be blocked or deleted as a matter of routine and in accordance with the law.
Every data subject has the right, according to European directives and regulations, to obtain confirmation from the controller as to whether personal data relating to him or her are being processed. If a data subject wishes to exercise this right of confirmation, he or she may at any time contact an employee of the data controller.
Every person affected by the processing of personal data has the right, in accordance with European directives and regulations, to obtain at any time and free of charge information from the data controller about the personal data stored about him or her and a copy of this information. Furthermore, European legislation grants the data subject access to the following information:
the processing purposes
the categories of personal data processed
the recipients or categories of recipients to whom the personal data have been or will be disclosed, in particular to recipients in third countries or to international organizations
if possible, the planned duration for which the personal data will be stored or, if this is not possible, the criteria for determining this duration
the existence of a right of rectification or erasure of personal data concerning him or her or of a right of opposition to or restriction of the processing by the controller
the existence of a right of appeal to a supervisory authority
if the personal data are not collected from the data subject: All available information about the origin of the data
the existence of automated decision-making, including profiling, in accordance with Article 22(1) and (4) of the GDPR and, at least in these cases, meaningful information about the logic involved and the scope and intended impact of such processing on the data subject
Furthermore, the data subject has the right of information as to whether personal data has been transferred to a third country or to an international organization. If this is the case, the data subject shall also have the right to obtain information on the appropriate safeguards in connection with the transfer.
If a data subject wishes to exercise this right of access, he or she may at any time contact an employee of the controller.
Every person affected by the processing of personal data has the right, in accordance with European directives and regulations, to request the immediate rectification of incorrect personal data concerning him or her. Furthermore, the data subject has the right to request the completion of incomplete personal data, also by means of a supplementary declaration, taking into account the purposes of the processing.
If a data subject wishes to exercise this right of rectification, he or she may at any time contact an employee of the data controller.
Any person affected by the processing of personal data has the right, in accordance with European directives and regulations, to obtain from the controller the immediate erasure of the personal data concerning him/her, if one of the following reasons applies and if the processing is not necessary:
The personal data has been collected or otherwise processed for purposes for which it is no longer necessary.
The data subject withdraws his or her consent on which the processing was based in accordance with Article 6 paragraph 1 letter a of the GDPR or Article 9 paragraph 2 letter a of the GDPR, and there is no other legal basis for the processing.
The data subject lodges an objection to the processing pursuant to Art. 21(1) GDPR and there are no overriding legitimate reasons for the processing, or the data subject lodges an objection to the processing pursuant to Art. 21(2) GDPR.
The personal data were processed unlawfully.
The deletion of the personal data is necessary to comply with a legal obligation under European Union law or the law of the Member States to which the controller is subject.
The personal data was collected in relation to information society services offered in accordance with Art. 8 Paragraph 1 GDPR.
If one of the above reasons applies and a data subject wishes to have personal data stored by Berlin Partner für Wirtschaft und Technologie GmbH deleted, he or she can contact an employee of the data controller at any time. The employee of Berlin Partner für Wirtschaft und Technologie GmbH will ensure that the request for deletion is complied with as soon as possible.
If the personal data has been made public by Berlin Partner für Wirtschaft und Technologie GmbH and our company, as the responsible party pursuant to Art. 17 Para. 1 GDPR, Berlin Partner für Wirtschaft und Technologie GmbH will take appropriate measures, including technical measures, taking into account the available technology and implementation costs, to inform other data controllers who process the published personal data that the data subject has requested that these other data controllers delete all links to this personal data or copies or replications of this personal data, insofar as the processing is not necessary. The employee of Berlin Partner für Wirtschaft und Technologie GmbH will make the necessary arrangements in individual cases.
Any person affected by the processing of personal data has the right, in accordance with European directives and regulations, to request the controller to limit the processing if one of the following conditions is met:
The accuracy of the personal data is contested by the data subject, for a period of time that allows the data controller to verify the accuracy of the personal data.
The processing is unlawful, the data subject refuses to have the personal data deleted and instead requests that the use of the personal data be restricted.
The controller no longer needs the personal data for the purposes of the processing, but the data subject needs them in order to assert, exercise or defend legal claims.
The data subject has lodged an objection to the processing in accordance with Art. 21 (1) GDPR and it is not yet clear whether the justified reasons of the controller outweigh those of the data subject.
If one of the above-mentioned conditions is met and a data subject wishes to request the restriction of personal data stored by Berlin Partner für Wirtschaft und Technologie GmbH, he or she can contact an employee of the data controller at any time. The employee of Berlin Partner für Wirtschaft und Technologie GmbH will arrange for the restriction of processing.
Any person affected by the processing of personal data has the right, in accordance with European directives and regulations, to receive the personal data concerning him/her, which have been provided by the data subject to a data controller, in a structured, common and machine-readable format. He/she also has the right to have this data communicated to another controller without hindrance by the controller to whom the personal data has been made available, provided that the processing is based on the consent pursuant to Art. 6 paragraph 1 letter a GDPR or Art. 9 paragraph 2 letter a GDPR or on a contract pursuant to Art. 6 paragraph 1 letter b GDPR and that the processing is carried out with the aid of automated procedures, unless the processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the controller.
In addition, when exercising their right to data transfer pursuant to Art. 20 Paragraph 1 GDPR, the data subject has the right to obtain that personal data be transferred directly from one controller to another controller, insofar as this is technically feasible and provided that this does not adversely affect the rights and freedoms of other persons.
In order to assert the right to data transfer, the person concerned can contact an employee of Berlin Partner für Wirtschaft und Technologie GmbH at any time.
Every person affected by the processing of personal data has the right, in accordance with European directives and regulations, to object at any time, for reasons arising from his or her particular situation, to the processing of personal data concerning him or her that is carried out on the basis of Art. 6(1)(e) or (f) of the GDPR. This also applies to profiling based on these provisions.
In the event of an objection, Berlin Partner für Wirtschaft und Technologie GmbH will no longer process the personal data unless we can prove that there are compelling reasons for processing which are worthy of protection and which outweigh the interests, rights and freedoms of the person concerned, or unless the processing serves to assert, exercise or defend legal claims.
If Berlin Partner für Wirtschaft und Technologie GmbH processes personal data for the purpose of direct advertising, the data subject has the right to object to the processing of personal data for the purpose of such advertising at any time. This also applies to profiling, insofar as it is associated with such direct advertising. If the data subject objects to Berlin Partner für Wirtschaft und Technologie GmbH processing for the purposes of direct advertising, Berlin Partner für Wirtschaft und Technologie GmbH will no longer process the personal data for these purposes.
In addition, the data subject has the right to object, for reasons arising from his or her particular situation, to the processing of personal data concerning him or her that is carried out at Berlin Partner für Wirtschaft und Technologie GmbH for scientific or historical research purposes or for statistical purposes in accordance with Art. 89 Paragraph 1 of the GDPR, unless such processing is necessary to fulfill a task in the public interest.
In order to exercise the right to object, the data subject may contact any employee of Berlin Partner für Wirtschaft und Technologie GmbH or any other employee directly. The data subject is also free to exercise his/her right of objection in connection with the use of information society services, notwithstanding Directive 2002/58/EC, by means of automated procedures involving technical specifications.
h) Automated decisions in individual cases including profiling
Every person concerned by the processing of personal data has the right, in accordance with European directives and regulations, not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning him or her or significantly affects him or her in a similar way, provided that the decision (1) is not necessary for the conclusion or performance of a contract between the data subject and the controller, or (2) is authorised by European Union or national legislation to which the controller is subject and such legislation provides for adequate safeguards of the rights and freedoms and legitimate interests of the data subject, or (3) is taken with the explicit consent of the data subject.
If the decision (1) is necessary for the conclusion or performance of a contract between the data subject and the responsible party or (2) is made with the express consent of the data subject, Berlin Partner für Wirtschaft und Technologie GmbH will take appropriate measures to safeguard the rights and freedoms as well as the legitimate interests of the data subject, including at least the right to obtain the intervention of a person on the part of the responsible party, to present its own position and to challenge the decision.
If the data subject wishes to exercise rights relating to automated decisions, he or she may at any time contact an employee of the controller.
i) Right to revoke a data protection consent
Every person affected by the processing of personal data has the right, in accordance with European directives and regulations, to revoke his or her consent to the processing of personal data at any time.
If the data subject wishes to exercise his or her right to withdraw consent, he or she may contact an employee of the data controller at any time.
12. Privacy policy for the use and application of Matomo
The data controller has integrated the Matomo component into this website. Matomo (formerly known as Piwik) is an open source software tool for web analysis. Web-Analysis is the collection, documentation and evaluation of data about the behaviour of visitors of internet pages. Among other things, a web analysis tool collects data about which internet page a person concerned came to an internet page from (so-called referrer), which sub-pages of the internet page were accessed or how often and for how long a subpage was viewed. A web analysis is generally used to optimize a website and may also be used for cost-benefit analysis of internet advertising.
The software is operated on the server of the data controller responsible for processing, the log files which are sensitive to data protection laws are stored exclusively on this server.
The purpose of the Matomo component is the analysis of the visitor flows on our website. The data controller responsible for processing uses the data and information obtained, among other things, to evaluate the use of this website in order to compile online reports that show the activities on our website.
Matomo places a cookie on the information technology system of the person concerned. What cookies are has already been explained above. By setting the cookie, we are able to analyze the use of our website. Every time one of the individual pages of this website is called up, the internet browser on the information technology system of the person concerned is automatically prompted by the Matomo component to transmit data to our server for the purpose of online analysis. In the course of this technical process we obtain knowledge of personal data, such as the IP address of the person concerned, which serves us, among other things, to trace the origin of visitors and clicks.
Cookies are used to store personal information such as the time of access, the location from which access was made and the frequency of visits to our website. Whenever you visit our website, this personal data, including the IP address of the internet connection used by the person concerned, is transferred to our server. This personal data is stored by us. We do not pass on this personal data to third parties.
The person concerned can prevent the setting of cookies by our website, as described above, at any time by means of a preferred setting in the internet browser used and thus permanently object to the setting of cookies. Such a setting of the internet browser used would also prevent Matomo from setting a cookie on the information technology system of the person concerned. In addition, a cookie already set by Matomo can be deleted at any time via an internet browser or other software programs.
Furthermore, the person concerned has the possibility to object to the collection of data generated by Matomo and related to the use of this website and to prevent such collection. For this purpose the person concerned must set "Do Not Track" in his browser.
With the setting of the opt-out cookie, however, there is the possibility that the internet pages of the data controller responsible for processing may no longer be fully usable for the data subject.
Further information and Matomo's current privacy policy can be found at https://matomo.org/privacy/.
Art. 6 I lit. a GDPR serves our company as a legal basis for processing operations for which we obtain consent for a specific processing purpose. If the processing of personal data is necessary for the performance of a contract to which the data subject is a party, as is the case, for example, with processing operations necessary for the supply of goods or the provision of another service or consideration, the processing is based on Art. 6 I lit. b GDPR. The same applies to such processing operations which are necessary for the implementation of pre-contractual measures, for example in cases of inquiries about our products or services. If our company is subject to a legal obligation which makes it necessary to process personal data, for example to fulfil tax obligations, the processing is based on Art. 6 I lit. c GDPR. In rare cases, the processing of personal data may be necessary to protect the vital interests of the data subject or another natural person. This would be the case, for example, if a visitor to our company was injured and his name, age, health insurance details or other vital information had to be passed on to a doctor, hospital or other third party. In this case the processing would be based on Art. 6 I lit. d GDPR. Finally, processing operations could be based on Art. 6 I lit. f GDPR. Processing operations which are not covered by any of the above legal bases are based on this legal basis if the processing is necessary to safeguard a legitimate interest of our company or of a third party, provided that the interests, fundamental rights and freedoms of the data subject do not prevail. We are permitted to carry out such processing operations in particular because they have been specifically mentioned by the European legislator. In this respect, it took the view that a legitimate interest could be assumed if the data subject is a customer of the data controller responsible (Recital 47 Sentence 2 GDPR).
If the processing of personal data is based on Article 6 I lit. f GDPR, our legitimate interest is to carry out our business activities for the benefit of the well-being of all our employees and our shareholders.
The criterion for the duration of storage of personal data is the respective legal retention period. After this period has expired, the corresponding data is routinely deleted if it is no longer required for the fulfillment or initiation of a contract.
16. Legal or contractual provisions on the provision of the personal data; necessity for the conclusion of the contract; obligation of the data subject to provide the personal data; possible consequences of non-provision
We would like to inform you that the provision of personal data is partly required by law (e.g. tax regulations) or can also result from contractual regulations (e.g. information on the contractual partner). Sometimes it may be necessary for a contract to be concluded that a data subject provides us with personal data, which must subsequently be processed by us. For example, the person concerned is obliged to provide us with personal data if our company concludes a contract with him/her. Failure to provide the personal data would mean that the contract with the person concerned could not be concluded. Before the person concerned makes personal data available, the person concerned must contact one of our employees. Our employee will inform the data subject on a case-by-case basis whether the provision of the personal data is required by law or contract or is necessary for the conclusion of the contract, whether there is an obligation to provide the personal data and what the consequences would be if the personal data were not provided.
17. Existence of an automated decision making process
As a responsible company, we avoid automatic decision making or profiling.
This privacy statement was created by the Privacy Statement Generator of the DGD Deutsche Gesellschaft für Datenschutz GmbH, which is the External Data Protection Officer Munich, in cooperation with the data protection lawyer Christian Solmecke.
Parts of the Google Fonts and Google Maps sections as well as the Cookies section were created with the Privacy Policy Generator of AdSimple in cooperation with bauenwir.de.
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All of the tools published by Innovative Resources have grown out of, or are compatible with, strengths-based practice. Also known as the 'strengths approach', this is a way of working that focusses primarily on strengths and hopeful possibilities. It does not ignore difficulties or challenges but the primary focus of this approach is focussing on the person's hopeful pictures of the future, and the resources—both internal and external—that they can mobilise in support of their goals.
PaperWorks can be readily adapted for use within strengths-based frameworks that seek first and foremost to focus on 'where to' rather than 'where from', thus avoiding problem- or deficit-centred thinking and actions.
The taxi image is a perfect starting point for a strengths-based, solution-focused conversation about 'where to'. This image gives many opportunities to broaden the conversation with questions about the fastest way of getting there, who else might be in the taxi, and what signs or landmarks the person can expect to see along the way.
Others, such as the torch, light bulb, brick and welcome mat can also be used to stimulate conversations about preferred futures. Facilitators can ask what the person might notice if things were different or when progress is being made or goals achieved.
A particularly rich vein of strengths, exceptions and resources can be unearthed by using the sparkling moments image. Facilitators can invite participants to write or talk about a moment of insight or delight; an incident—big or small—that caught their attention in a positive or inspiring way. This is such a simple, and yet such a rich way of inviting people to notice anything but the problem. Try it and feel how the atmosphere in the room changes almost instantly!
To take the conversation even deeper into the territory of uncovering strengths, the sparkling moments tool can be combined with other images, for example, the water tank (by asking such questions as 'What fills your tank?') or the brick tool (by constructing a 'wall of strengths', for example).
Once the person's goals or hopeful pictures of the future have been given pride of place, several of the PaperWorks metaphors can be used to better understand what might be getting in the way.
While images like the boot and the elephant naturally lend themselves to naming issues, they do so from a 'person-centered' perspective. For example, the boot might be used to name unhelpful things that the person wishes to walk away from. This conversation can be given a 'strengths' twist by asking about helpful things the person wishes to walk towards, or by asking what strengths they may want to draw on as they leave certain things behind. The tank can identify what no longer serves them ('What drains my tank?') or the elephant might be used to name hidden issues that it may be useful to bring to light.


Workstations are computing systems that typically offer better performance than desktop computers, making them useful in compute-intensive areas such as engineering and mechanical design. While the term workstations isn't used as frequently as it once was when systems from the likes of SGI, DEC, Sun Microsystems and PowerPC were in vogue, hardware manufacturers like HP and Dell continue to market and sell workstations for high-end use.
From traditional workstations to the latest in ultra-high performance workstations, our workstations dictionary offers a glossary of key terms you need to know.


text:
Q: R cut function tails less than other subsets I'm trying to split a data set into deciles.  I gave all the rows an id # (1:nrow(dataset)), then I use the cut() function to assign each row to a decile.
> df1 <- data.frame(id = 1:1000, cutter1 = NA)
> head(df1)
  id cutter1
1  1      NA
2  2      NA
3  3      NA
4  4      NA
5  5      NA
6  6      NA
> df1$cutter1 <- cut(df1$id,10, labels = F)
> table(df1$cutter1)

  1   2   3   4   5   6   7   8   9  10
100 100 100 100 100 100 100 100 100 100

Above is what I expect, however when I increase the # of rows to 100000 I see some weird behavior in the 1 and 10 deciles.
> df1 <- data.frame(id = 1:100000, cutter1 = NA)
> head(df1)
  id cutter1
1  1      NA
2  2      NA
3  3      NA
4  4      NA
5  5      NA
6  6      NA
> df1$cutter1 <- cut(df1$id,10, labels = F)
> table(df1$cutter1)

    1     2     3     4     5     6     7     8     9    10
 9920 10020 10020 10020 10020 10020 10020 10020 10020  9920

I played with the include.lowest and right parameters but they didn't fix anything.  Any idea why this is happening?

A: I am not sure the format of the output works for you, but this could be an alternative solution:
decile <- with(df1, cut(id, breaks=quantile(df1$id, probs=seq(0,1, by=0.1)), include.lowest=TRUE))
res = table(decile)
names(res) <-as.character(seq(1:10))

This works fine even in the case of :
df1 <- data.frame(id = 1:100000, cutter1 = NA)

redpajama_set_name: RedPajamaStackExchange


text:
WEBINAR: What does 2023 have in store for AIM?
Posted 20 January 2023 in
Join Fundamental Asset Management's Co-Founders Chris Boxall & Stephen Drabwell on Tuesday 31st January at 3pm as they look at the risks and opportunities for AIM in 2023.
They will review 2022 and look into their crystal ball for 2023. What happened to AIM in terms of its size and overall performance? The webinar is titled What does 2023 have in store for AIM? This webinar is CPD eligible.
To register your spot and to be able to watch it after the event, please click here.
TOPICS TO BE COVERED:
– Brief introduction to AIM for Inheritance Tax (IHT) planning
– Recap on performance in 2022
– AIM IHT investing universe 2023
– Company valuations
– Results and updates January 2023
– Growth or Income AIM IHT portfolios?
For more information about reducing Inheritance Tax using Business Relief (also known as Business Property Relief) click here.
To find out more about the benefits of investing in AIM shares for IHT planning purposes, please get in touch via email at [email protected] or phone 01923 713 894
Fundamental features in the Telegraph
As the provider of the best performing stock tip of 2022, a rare positive in a horrid year for AIM and client portfolios, the Telegraph's Questor column once again turned to Chris Boxall, portfolio manager at Fundamental Asset Management, for their Questor AIM IHT share tip for 2023.
The latest request coincides with the launch of Fundamental's new AIM IHT Income Portfolio service, so Chris thought it was appropriate to suggest an income stock and one of the new holdings in the new income portfolio for the "Tip of the Year" stock – the 8% dividend yield being the primary appeal in the short-term.
If you have a subscription, you can read The Telegraph article online here.
The new Fundamental AIM IHT Income Portfolio is available on Fundamental's own designated broker platform or via a range of IFA wrap platforms including Abrdn (formerly Standard Life) Wrap & Elevate, Fidelity Funds Network, Nucleus, Transact, M&G Wealth and others. It is available in both an ISA and General Investment Account.
You can find out more about our AIM IHT Income Portfolio in our webinar here and video interview here.
Video interview – AIM IHT for income
Posted 9 December 2022 in
In this video interview, Chris Boxall, co-founder of AIM specialist investment manager Fundamental Asset Management, discusses the opportunities for income investors in AIM IHT ISA portfolios.
With AIM companies set to pay out just over £1.2 billion in dividends in 2022 there are plenty of high yielding AIM stocks to choose from, although prospective investors need to be wary of certain factors as Chris highlights.
You can watch the interview by clicking the image above.
The interview coincides with the launch of Fundamental's new AIM IHT Income Portfolio service which was also covered in a recent webinar here.
DIFFERENCES BETWEEN THE EXISTING AIM IHT GROWTH PORTFOLIO VS THE AIM IHT INCOME PORTFOLIO?
The existing AIM IHT Growth Portfolio is a discretionary investment management service where clients can obtain 100% mitigation from Inheritance Tax, benefit from the capital growth afforded by the AIM market and retain control of their assets. Fundamental has been managing this portfolio since inception in 2004.
The new AIM IHT Income Portfolio is designed for clients to still take advantage of the potential Inheritance Tax relief afforded by the AIM market and retain control of their assets, at the same time as providing a greater level of dividend income.
Webinar – AIM: cheap for good reason or bargains to be snapped up?
Is it time to be greedy when others are fearful?
It has been a painful time recently for AIM investors. In the upcoming Fundamental Asset Management webinar on Wednesday 12th October at 3pm we ask: AIM: cheap for good reason or bargains to be snapped up?
Fundamental's portfolio managers Chris Boxall & Stephen Drabwell will be reviewing the last quarter as well as looking ahead to Q4.
– Q3 Review.
– What lies ahead for Q4.
– It has been a terrible time for AIM stocks; could now be the time to invest?
– Trading performance vs share price performance.
– Valuations.
– Impact of "mini budget".
– Questions.
AIM for positive impact: Jet2 leads the way
The recent full year results statement from AIM listed leisure travel group Jet2 PLC (AIM:JET2) made a point of highlighting its focus on sustainability. While a company operating a fleet of passenger airlines is unlikely to draw huge amounts of enthusiasm from ESG investors, Jet2 appears to be making considerable progress on the sustainability front.
Jet2.com is the UK's third largest airline, flying from 10 UK bases to over 70 destinations across Europe and beyond and Jet2holidays is the UK's second largest tour operator.
Between 2011 and 2019, the Group reduced its CO2 emissions per passenger kilometre from 83.1g to 67.0g, a reduction of more than 19%. In 2018 it was ranked 11th best airline in the world in this regard by Atmosfair Index, although to put things into perspective it's worth noting that among UK operators, TUI and Thomas Cook were ranked 1st and 7th respectively.
In September 2021, Jet2 published a comprehensive Sustainability Strategy with the vision to be "the leading brand in sustainable air travel and package holidays".
As part of their Jet2 Net Zero 2050 commitment, in addition to the significant new Airbus A321 neo investment, Jet2 will offset emissions not currently covered by existing carbon pricing mechanisms (UK and EU Emissions Trading Schemes), thereby taking full responsibility for all its carbon emissions.
By going above and beyond regulatory requirements, Jet2 will see a significant drop in net emissions in the coming months and years. The Group has also committed to using a percentage of UK produced Sustainable Aviation Fuel.
Further, by 2023, 50% of their Ground Support Equipment will be zero carbon and they will have reduced single use plastics on their aircraft by 80% compared to 2019 – equivalent to removing 11 million items per annum!
Jet2holidays will also act on the environmental impacts in its supply chain by enabling customers to make more sustainable accommodation choices through its hotel sustainability labelling system.
You can find out more about Jet2's initiatives towards sustainability here: www.jet2plc.com/sustainability
To find out more about the benefits of investing in AIM, please speak to our Business Development Manager Jonathan Bramall via email [email protected] or phone 01923 713 894
Our upcoming webinar will review the second quarter of the year as well as discuss our ESG and PRI developments. For more information on investing in AIM shares for Inheritance Tax Planning purposes.
This video presentation here also provides a brief introduction to the Fundamental AIM IHT portfolio service.
www.fundamentalasset.com
Posted 6 July 2022 in
In our last blog – which can be read here; we announced that Fundamental Asset Management is now a signatory to the Principles for Responsible Investment.
In further recognition of the growing importance of Environmental, Social and Governance (ESG) issues, we are producing a series of Blogs titled 'AIM for Positive Impact' highlighting the initiatives being made by our AIM portfolio companies in addressing ESG and related matters.
First up, long term portfolio holding James Halstead.
Flooring -Everyman Theatre, Liverpool, UK
AIM quoted flooring manufacturer James Halstead may not immediately strike you as a business with impressive ESG credentials, but its website is an ESG-conscious investor's dream. From the opening page, which highlights the benefits of its flooring in sectors such as healthcare and education, through to its easy to find links to Corporate Responsibility and early mention of "Corporate governance and corporate social responsibility" in the company's annual report, James Halstead is visibly sustainable.
Chairman Anthony Wild has commented how the company's recognition of its responsibility towards good corporate governance has contributed to its ability to deliver long-term shareholder value.
James Halstead has produced an annual sustainability report for 16 years, highlighting how far ahead it is of some of its fellow AIM-listed companies that are yet to produce one. It therefore comes as no surprise to see that Polyflor, Halstead's main brand, is the industry leader from a sustainability perspective, with harvested rainwater being used for production as far back as 1915 and recycling vinyl since they pioneered it in 1950.
Polyflor was also an early adopter of BRE with products first assessed on a Life Cycle Analysis in 2005. They were also the first commercial flooring manufacturer to achieve the BRE's standard for Responsible Sourcing, BES 6001, for many of its products. There were other firsts, including being the first flooring manufacturer to achieve GreenTag LCARate certification and being the first flooring manufacturer to roll out a recycling initiative inclusive of site collections and distributor dropoff sites to suit all customer and waste volume requirements.
The 2021 Sustainability Report also commented on a further reduction of their carbon footprint, by increasing renewable electrical energy consumption to 100% from 93%, as well as reducing CO2 emissions by 29%.
It just goes to highlight for how long concerns about the environment and our impact upon it have been around. Perhaps a hundred years ago investors may have been primarily concerned about the bottom line, but today's investors increasingly demand any company to be visibly sustainable. As James Halstead demonstrates, doing good is not only the right thing but is good for business too.
Although it's not all good news on the ESG front, with a distinct lack of diversity to the James Halstead Board of Directors, so something to improve on!
The Fundamentals #9 – Our Investment Approach
In the ninth of our series – The Fundamentals – about going back to the basics of investing in AIM shares for Inheritance Tax (IHT) planning purposes, we look at the Fundamental Asset Management investment approach.
The Fundamental Asset Management investment approach is best described as, stock specific and growth focused, with a value overlay.
Key criteria include:
IHT qualification (current and ongoing)
Growth actual and prospective
Profitability (unadjusted, we have a strong dislike of the fairy tale EBITDA!)
Cash generation
Management/insider ownership
Size and liquidity – an ability to sell if we need to
Understanding of the business
Dividend yield is appreciated, but not essential, as small growing companies, generating high returns on equity, should generally have better things to do with their cash than pay it away.
Macro overlay ensuring sector diversification. Research is undertaken by the 2 portfolio managers Chris Boxall and Stephen Drabwell supported by external analysts (former fund managers, private investors and business people).
For more information on Portfolio Construction Methodology, Approach to Stock Picking, Asset Allocation, House Investment Style, and "House Ethos", or if would like to speak with Stephen or Chris, please do not hesitate to contact our Business Development Manager Jonathan Bramall via email [email protected] or phone 01923 713 894.
For more information about reducing Inheritance Tax by using Business Relief (also known as Business Property Relief) click here.
Introducing The Fundamentals series
The Fundamentals #2: How to use ISAs for Inheritance Tax (IHT) planning?
The Fundamental #3: The perils of exit fees & support for a client's estate
The Fundamentals #4 – What is the Fundamental AIM Inheritance Tax Portfolio?
The Fundamentals #5 – How to use AIM to stop HMRC taking money from your family?
The Fundamentals #6: How long do you need to hold a qualifying stock for to receive IHT relief?
The Fundamentals #7 – 10 reasons to invest with Fundamental Asset Management
The Fundamentals #8 – Fundamental Asset Management's Investment Team
Our Educational Webinars also provide plenty of further information.
Posted 18 March 2022 in
Our last Blog here covered a stock market sell-off and what we are doing. This week we are doing things a bit differently.
Recently, we have received requests to go over some topics from the beginning to assist people who are trying understand what we do at Fundamental Asset Management as well as what AIM is, what opportunities it provides and how it can be used to help reduce Inheritance Tax (IHT).
Over the coming weeks, we will be going back-to-basics focusing on the fundamentals (pun intended!) of the AIM IHT Portfolio Service and indeed Fundamental Asset Management itself. We will be looking at how AIM could provide returns in the medium to long-term that put other investments in the shade as well as how Business Relief can be used for estate planning as well as some frequently asked questions around costs and a number of practical processes.
This week, The Fundamentals brings you a video we have put together; Fundamental Asset Management – An Introduction.
What is AIM?
AIM in 2021.
AIM for outperformance.
Business Relief & AIM – How it works.
AIM IHT Investment Process – Investable Universe.
AIM Investment Process – Core/ Satellite portfolio approach.
AIM IHT Investment process – the issues!
Benefits of a Portfolio – Not a Fund.
AIM in 2022 – Difficult Start to the year.
2022 Opportunities so far.
In this video presentation, Chris Boxall, co-founder of AIM specialist investment manager Fundamental Asset Management, provides an introduction to the Fundamental AIM IHT portfolio service. The presentation covers Fundamental's investment process and issues to be aware when investing in AIM for Inheritance Tax planning purposes. Chris also offers his thoughts on the outlook for AIM in 2022.
We hope you find it useful. If you have any questions, please do not hesitate to contact our Business Development Manager Jonathan Bramall via email [email protected] or phone 01923 713 894

redpajama_set_name: RedPajamaCommonCrawl


Liver, spleen scan (radionuclide) - LIVER-SPLEEN is a topic covered in the Guide to Diagnostic Tests.
McPhee, Stephen J., et al. "Liver, Spleen Scan (radionuclide) - LIVER-SPLEEN." Guide to Diagnostic Tests, 7th ed., McGraw-Hill Education, 2017. Anesthesia Central, anesth.unboundmedicine.com/anesthesia/view/GDT/619403/all/Liver__spleen_scan__radionuclide____LIVER_SPLEEN.
McPhee SJ, Lu CM, Nicoll D. Liver, spleen scan (radionuclide) - LIVER-SPLEEN. Guide to Diagnostic Tests. 7th ed. McGraw-Hill Education; 2017. https://anesth.unboundmedicine.com/anesthesia/view/GDT/619403/all/Liver__spleen_scan__radionuclide____LIVER_SPLEEN. Accessed April 24, 2019.
McPhee SJ, Lu CM, Nicoll D. Liver, Spleen Scan (radionuclide) - LIVER-SPLEEN [Internet]. In: Guide to Diagnostic Tests. McGraw-Hill Education; 2017. [cited 2019 April 24]. Available from: https://anesth.unboundmedicine.com/anesthesia/view/GDT/619403/all/Liver__spleen_scan__radionuclide____LIVER_SPLEEN.


Friends is first single from the debut EP release "Divided", which presents valid, current neo soul with an acoustic retro vibe. The melody is about inconveniences and lost connections when darlings endeavor to be companions.
Benji Sedoc is a soul artist and producer from Denmark with a past in gospel and jazz. His style ranges from neo soul to r'n'b with insights of jazz and blues.
He has been a dynamic individual from the Danish soul community for quite a long time playing shows routinely around Copenhagen with different groups. His debut EP "Divided" will be released in November 2017.
His productions are based on a live sound with acoustic instruments behind his signature vocal harmonies. As a songwriter he depicts "real life" in a fair and humble tone as a rational sort of individual. With a father from Suriname in South America and a Danish mother, he is a social blend of styles and thoughts from the entire world, impacted by artists like Stevie Wonder, Marvin Gaye, D'angelo and Musiq Soulchild.
Becca Byram - "Thanks For letting' Me Know"


Welcome back to Maker Moments. Last week on the blog you got to meet our office dog Momo. This week we coerced Nicole, one of our talented die designers, to model for us. Isn't she pretty?
Debi is off to the CHA Paper Arts show this week, so you're stuck with me. However, before she left, we got busy and created a few wearables. Debi and I are in love with felt, so we thought we would play around with it and see what we could come up with.
Debi created this headband using our Rose Creations Die set. Who knew with a rose die and a little felt, you could create a succulent?
Keeping with the flower theme, I created this bracelet using the leaf from our Camellia die set. All you need is a little ribbon, and then glue or sew on the leaves.
I hope you enjoyed these projects, as much as we enjoyed creating them. If you have any other suggestions or projects you'd like to share with us, leave a comment, we'd love to hear about them.


My co-host Mr. Gene and I are joined by our friend Joe and we talk about our memories of Star Wars: The Phantom Menace and the movie Fanboys.
My co-host Mr.Gene and our special guest Dye (Dyanne) talk about the premiere of Heroes Season 3.
This older Godzilla podcast was recorded back in 2009. This is a special 3 part series of the Godzilla movie franchise. Special guest is Robert C. Ring author of Sci-Fi Movie Freak. This podcast will be discussing the Godzilla Showa series.
This older Godzilla podcast was recorded back in 2009. This is a special 3 part series of the Godzilla movie franchise. Special guest is Robert C. Ring author of Sci-Fi Movie Freak. This podcast will be discussing the Godzilla Heisei series.


text:
Festival International using wristbands to pay this year
by: Logan Reever
Posted: Apr 24, 2018 / 10:26 PM CDT / Updated: Apr 24, 2018 / 10:36 PM CDT
Just hand over, receive and tap.
RFID wristbands are the new way to pay this year at Festival International.
The wristbands replacing the beverage tickets of years past.
"On the back end it was very tough to coordinate keeping the booth stocked with tickets," says FIL Executive Director Scott Feehan.
Feehan says the first move was set in motion four years ago.
The research included visits from the company who made the technology, Intellitix, and the festival's own representatives seeing it in action at other festivals.
"We're not like most festivals. We don't have…it's tough to find the border, it's not a controlled environment where a lot of festivals are set up," says Feehan.
Feehan says there are two ways to pay.
"You can hand a $20 bill over but instead of getting a bunch of paper, you're going to get a wristband and they'll put $20 dollars onto it and that's it," says Feehan.
Or you can step it up a notch.
"You can register it in the app. Just go into our mobile app and put your wristband in and you have your own digital wallet and you can control it from there," says Feehan.
You can get a refund for the money you do not use on the wristband whether it be by cash or card as well.


text:
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Zoopla > Estate Agents and Letting Agents > Taylor Freeman Kataria
Taylor Freeman Kataria, IG1 Commercial property for sale
South Park Business Centre, 306 Green Lane, Ilford, IG1 1LQ | Call +44 20 8115 0583 **
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£750,000 (£59.55/sq. ft)
12,595 sq. ft*
Town Road, Stoke-On-Trent ST1
Substantive 'E' class commercial premises to let/for sale
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Lee Circle, Leicester LE1
Substantive residential development opportunity comprising A MIX of studios, 1 bedroom and 2 bedroom flats forming 116 residential units for sale in leicester city centre oieo £2,600,000.00 on an unconditional basis
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Zoopla Limited is an appointed representative of Loans Warehouse Limited which is authorised and regulated by the Financial Conduct Authority (FRN 713110) to introduce clients to Loans Warehouse Limited and distributing non-real time financial promotions that relate to products of services available through Loans Warehouse Limited. Loans Warehouse Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference 713110.
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***Based on a search within the London postcode areas (E, EC, N, NW, SE, SW, W, WC) on other UK online property portals. As of 11 Mar 2019.


A behavior is anything we do. It can be any action you take, what you are thinking, what you say, a memory, a sensation or an emotion.
The word behavior is often confused with our physical actions. Behavior is much more that we can merely see or hear. How we think is a behavior. All behavior is connected. For example, how we feel when we think about the future can impact the choices we make and the actions we then take.
We cannot know directly what people think. But we can write and discuss our thoughts in detail. We cannot know directly what people feel, but we can observe their tears and listen to their words and relate to their experience. We can conclude they are sad.
In the most general sense, "Human beings are what they do". We think, feel, act, remember, make choices and experience in the world.


Add power, sound and unique style to your BMW X5/X6 M with this cat-back system which produced gains of up to +20 horsepower and +33 lbs. x ft. torque as measured on our in-house dyno. Dual 3" to 2-1/2" mandrel-bent, brush finished 304 stainless steel tubing keeps exhaust flowing smoothly for power gains you can feel. Designed with a transverse, high flow muffler finished in high temp powder coating for long lasting good looks and unique sound. The factory exhaust valve motor is used to regulate the exhaust flow from a closed-valve, sporty tone to wide-open, aggressive, performance sound. True quad, 3 1/2" black stainless steel exhaust tips with laser etched aFe Power logo for a custom finish.
Transverse high flow muffler supports true quad pipe exhaust flow and unique exhaust notes. Finished in a high temperature metallic black powder coating that helps prevent corrosion.


text:
import escapeRegExp from 'lodash/escapeRegExp'
import axios from 'axios'

const createRegExp = input =>
  new RegExp(`^${escapeRegExp(input)}`, 'i')

const splitRegExp = /[\s-—]/

const splitWords = original =>
  original.split(splitRegExp).filter(word => word)

const gatherWords = (...fields) =>
  [].concat(...fields.map(splitWords))

const isLeaderTextMatch = inputRegExps => leader => {
  const words = gatherWords(leader.name, leader.riding)
  return inputRegExps.every(inputRegExp =>
    words.some(word => inputRegExp.test(word)))
}

const findTextMatches = (input, leaders) => {
  const inputWords = splitWords(input)
  const inputRegExps = inputWords.map(createRegExp)
  return leaders.filter(isLeaderTextMatch(inputRegExps))
}

const postalCodeRegExp = /^[A-Za-z]\d[A-Za-z]\s?\d[A-Za-z]\d$/

let currentPromise = null
const findPostalCodeMatches = async (input, leaders) => {
  const promise = currentPromise = axios.get(`http://represent.opennorth.ca/postcodes/${input.replace(/\s/, '').toUpperCase()}/?sets=federal-electoral-districts`)
  const response = await promise
  if (promise !== currentPromise) {
    throw new Error('Aborting promise')
  }
  const ridings = response.data.boundaries_centroid.map(boundary => boundary.name)
  return leaders.filter(leader =>
    ridings.some(riding => leader.riding === riding))
}

const findMatches = async (input, leaders) => {
  currentPromise = null
  if (postalCodeRegExp.test(input)) {
    return await findPostalCodeMatches(input, leaders)
  } else {
    return findTextMatches(input, leaders)
  }
}

export default {
  findMatches
}

redpajama_set_name: RedPajamaGithub


text:
Jan van Haasteren - 500-Piece Scooter Scramble Jigsaw Puzzle
Jan van Haasteren's Scooter Scramble 500 piece jigsaw puzzle is a hilarious illustration that depicts an extremely chaotic traffic jam that is being caused by scooters nipping in and out of all the waiting cars. The puzzle image is brightly coloured and,…
Jan van Haasteren's Scooter Scramble 500 piece jigsaw puzzle is a hilarious illustration that depicts an extremely chaotic traffic jam that is being caused by scooters nipping in and out of all the waiting cars. The puzzle image is brightly coloured and, like all of Jan's puzzles, features a variety of eventful goings on such as a young lady whizzing past several cars and causing them to literally bump into each other's 'backsides', two gentlemen naughtily enjoying a cold beverage whilst singing songs, an elderly gentlemen who has had enough of waiting and has decided to drive over a parked car that Saint Nicholas is wanting to get into and much much more. If this small taster of the illustrations in this puzzle sounds like your cup of tea, then don't miss out on the fun of piecing this puzzle together, because there are many more hilarious illustrations to be enjoyed. The finished puzzle is extremely colourful and is the perfect way to enjoy a few afternoons or evenings, because it is sure to keep you entertained as you laugh away at all the hilarious imagery you have produced. Most of Jan's fans will immediately search for his trademark - the shark's fin - featured in every puzzle. But you can also for look for Jan's other favourites - Saint Nicholas, The Hands, The Dentures and a self-portrait of Jan - that can be seen in nearly all of his puzzles. But if you have never puzzled a Jan van Haasteren before, then you can be sure to look out for these things. The completed 500 piece puzzle measures 48 x 35cm (approximately). Safety Information:Warning. Not suitable for Children under 3 years.
AH258R


"A Weekend by the Sea" was published in WhynICHt N°7: Reset Time. The limited edition is available at selected bookshops in Vienna, Austria.
WhynICHt Rebel Time including "Camille's Secret Gift" is out now at Facultas and other selected book shops in Vienna (Austria).


text:
Whistleblowers, The Supreme Court and the SEC
The SEC's position on the scope of the whistleblower protections in Dodd-Frank was rejected by the Supreme Court. In Digital Realty Trust, Inc., v. Somers, No. 16-1276 (Feb. 21, 2018) the Court concluded that the SEC's interpretation of that provision and its related rules is inconsistent with the plain text of the statute. The decision thus narrows the scope of the Dodd-Frank anti-retaliation provisions from that adopted by the agency. It also illustrates the approach of the various justices to statutory interpretation and, to a certain extent, deference to an administrative agency under Chevron.
The opinion
The question resolved by the Court was "Does the anti-retaliation provision of Dodd-Frank extend to an individual who has not reported a violation of the securities laws to the SEC and therefore falls outside the Act's definition of 'whistleblower' . . ." according to the Court. Writing for the Court, Justice Ginsberg stated: "We answer that question 'No.'"
Petitioner Digital Realty Trust, Inc. is a real estate investment trust. Respondent Paul Somers was a vice president at the firm from 2010 to 2014. The firm terminated him, according to Mr. Somers, after he reported to senior management suspected securities law violations by the company. He did not notify the SEC. He did not file an administrative complaint within the time period specified by the Sarbanes-Oxley Act or SOX.
Subsequently, Mr. Somers filed a complaint in the district court alleging violations of the anti-retaliation provisions of Dodd-Frank. The firm moved to dismiss, arguing that only a whistleblower could invoke that Section of the Act and Mr. Somers did not qualify because the definition specifies that such a person must report to the SEC. The district court rejected the motion, concluding that the statute was ambiguous. On an interlocutory appeal a divided panel of the Court of Appeals for the Ninth Circuit affirmed. The panel concluded that applying the definition of "whistleblower" in the statute would inappropriately narrow the scope of the third prong of Section 78u-6(h) which contains the anti-retaliation provisions of Dodd- Frank. That subsection extends protections to those "making disclosures that are required or protected under" either SOX or certain other provisions. That contrasts with the first two subsections which only extend such protections to those who either report to, or testifying on behalf of, the SEC – those that explicitly fall within the statutory definition of whistleblower.
The Court began its analysis by reviewing SOX and Dodd-Frank. The former was passed to safeguard investors in public companies following the collapse of Enron Corporation. It created new protections for employees at risk of retaliation for reporting misconduct. Essentially an employee "qualifies for protection when he or she provides information or assistance either to a federal regulatory or law enforcement agency, Congress, or any 'person with supervisory authority over the employee.'" (internal citation omitted). To invoke those protections the employee must exhaust administrative remedies by filing a complaint with the Secretary of Labor within the proscribed period. Under certain circumstances the employee may eventually file in federal court. An employee who prevails is entitled to reinstatement, back pay and any special damages and litigation costs.
Dodd-Frank also has provisions protecting employees from retaliation under certain circumstances. The statute was passed in the wake of the 2008 financial crisis and in part focuses on the SEC's need for additional authority and funds. To facilitate the Commission's work the statute created a robust whistleblower program. Accordingly, the term whistleblower was defined in terms of those who report to the agency. The statute protects such an employee by prohibiting an employer from discharging or otherwise harassing a person who acts as a whistleblower. Unlike SOX, Dodd-Frank gives an aggrieved employee-whistleblower a cause of action in federal court along with remedies which include reinstatement, double back pay, interest and litigation costs.
Dodd-Frank also authorized the SEC to issue rules and regulations. Accordingly, the agency issued a notice of proposed rulemaking for purposes of both the awards provisions and the anti-retaliation sections which tracked the language of the statute. In "promulgating the final Rule, however, the agency changed course," writing two definitions of whistleblower. The first, for purposes of an award, tracked the statutory definition. The second, for purposes of the three prongs of the anti-retaliation provisions discussed above, expanded the definition to cover those who report or work with the agency and those who fall within the third subsection under which reporting to the SEC is not required.
Justice Ginsberg essentially began and ended her analysis by quoting from Burgess v. United States, 553 U.S. 124, 130 (2008) for the proposition that "'When a statute includes an explicit definition, we must follow that definition.'" In this case the Court's "charge" is to determine the meaning of the term "whistleblower." The answer to that question is provided by the specific definition in the statute which is unequivocal – it is "'any individual who provides. . . information relating to a violation of the securities laws to the Commission.'" (emphasis original). The definition clearly states who is covered.
The Court's reading of the statute was reinforced by consideration of the purpose of Dodd-Frank and SOX. The former sought to enlist whistleblowers to assist the Commission in identifying and prosecuting those who violated the securities laws. Stated differently, "Congress undertook to improve SEC enforcement and facilitate the Commission's 'recover[y] [of] money for victims of financial fraud.'" Since financial incentives alone may not have been sufficient to encourage persons to step forward, the Act strengthened the anti-retaliation provisions, providing immediate access to federal court and a generous statute of limitations for filing such an action along with the opportunity to recover double back pay.
SOX had a different objective. It sought to "disturb the 'corporate code of silence'" that discouraged employees from reporting fraudulent behavior not just to the proper authorities such as the FBI and the SEC but even internally. Thus the anti-retaliation provisions apply not just to those who report to the SEC but also internally.
Mr. Somers and the Solicitor General urged the Court to read the term "whistleblower" in its "ordinary sense" so that it would cover the conduct in each of the three prongs of the anti-retaliation provision. That would be contrary to the plain text of the statute. It is the function of the Court to give effect to the statute as written. The Court also rejected claims that its reading of the Act leaves certain persons unprotected. Dodd-Frank provides anti-retaliation protections for the first two subdivisions that are consistent with the definition of whistleblower and the purpose of that Act. SOX protects those covered by the third subsection in a manner that is consistent with that statute. Accordingly, the Court concluded that the statute's definition of "whistleblower" is clear and conclusive. Thus deference under Chevron was not appropriate. The determination of the Court of Appeals was reversed and the case remanded for further proceedings.
Justice Sotomayor, joined by Justice Breyer, concurred. The Justice wrote to express her disagreement with the suggestion in the concurrence of Justice Thomas, arguing that reliance on the Senate Report was not appropriate in interpreting a statute. While the report is not the law, it can aid the Court's understanding of the statute.
Justice Thomas, joined by Justice Alito and Justice Gorsuch, concurred in part and concurred in the judgment. In his opinion Justice Thomas noted that he joined the Court's opinion only to the extent that it relied on the text of the statute, arguing that reliance on the purpose of the statute with reference to the Senate Report was inappropriate.
The Court's opinion clearly narrows the reach of the anti-retaliations of Dodd-Frank, compared to that of the SEC's rules. In reaching that conclusion the Court rejected the SEC's position. Under Dodd-Frank the agency was given extensive rule writing authority. In this case, however, the agency failed to give proper notice regarding the rules it wrote on the term whistleblower – a point that was discussed during the oral argument.
More importantly, however, the Commission wrote rules that were in conflict with the plain language of the statute. While those rules may have broadened the anti-retaliation provisions of Dodd-Frank and perhaps bolstered the whistleblower program of the agency, they were at odds with the statute. Accordingly, they exceeded the authority of the agency.
Finally, the decision illustrates the approach of the various Justices on critical interpretation and deference issues. The majority relied on the text of the statute plus the overall purpose of each statute in reaching its conclusion. Justices Sotomayor and Breyer, in a concurring opinion, specifically noted their agreement with looking to the legislative materials to bolster the Court's determination. In contrast Justices Thomas, Alito and Gorsuch objected to that approach. The split here is an indication of future battles over the role of the federal courts in interpreting statutes. At the center of those battles may well be a dispute over what deference, if any, should be accorded to federal regulatory agencies such as the SEC under Chevron. While not a significant issue in any of the final opinions here, at oral argument the Justices raised a number of questions on the point, displaying markedly different views which will no doubt emerge in future opinions.
Securities & Financial Services Litigation & Enforcement
full biography >
Thomas Gorman
Events FCPA Institute


Managed by the Wandering Kitchen, the business lounge at the Innovation Centre is a popular place of informal meetings and catch ups with peers on the Park. Serving a wide variety of sandwiches, wraps, salads, snacks and hot drinks – the café has everything you need for breakfast and lunchtime!
For Business Lounge enquiries, please contact Reception at the Innovation Centre on reception@miltonpark.co.uk or 01235 854000.
There is visitor parking available out of the front of the Innovation Centre, please only use these spaces. To find out where the Innovation Centre Business Lounge is, please download our handy amenities map using the link below.
For more information on the Innovation Centre, please download the brochure below.


text:
DCSO: Boston man allegedly conned Hyde Park business
Roberto Cruz, Poughkeepsie Journal
HYDE PARK A Boston man allegedly stole a utility vehicle from a Hyde Park business by claiming he was a member of an emergency services unit in Massachusetts that was interested in purchasing it, the Dutchess County Sheriff's Office said.
Timothy R. MacDonald was arrested Aug. 13 and charged with third-degree grand larceny, a class D felony, authorities said. The arrest was announced today, Friday.
According to the sheriff's office, MacDonald told a local business owner he would pick up the $23,000 Polaris Ranger and send a check later. When the check never came, the business notified the sheriff's office on July 11.
A month-long investigation revealed MacDonald used fake purchase order paperwork to buy the vehicle, which he then sold to a dealership in Maine, the sheriff's office said.
Rather than transport the vehicle back to Hyde Park, the original owner and the dealership agreed to share some of the profits when the vehicle was sold again, the sheriff's office said. The proceeds of MacDonald's sale of the vehicle to the dealership have not been recovered, the sheriff's office said.
MacDonald was arraigned in Hyde Park town court and sent to Dutchess County Jail on $2,500 bail or $5,000 bond, the sheriff's office said. He's due back in court on Thursday.
Roberto Cruz: rcruz2@poughkeepsiejournal.com; 845-437-4843; Twitter:@robertocruzpj