This Service is offered only to people who may legally agree to the Terms and who meet certain other criteria. By opening an account, you represent and guarantee that you meet all of IRIS’ conditions for opening an account. We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Service thereafter. Your continued use of the Service following the posting of revised Terms means that you accept and agree to the changes. While we will use reasonable efforts to notify you of any changes, you are expected to check the Terms from time to time so you are aware of any changes, as they are binding on you. This allows you the ability to post your own profile and information, read and review the posted information provided by others, utilize the “Attraction DNA” dating intelligence service and otherwise use the different aspects of the Service as provided by IRIS. To access the Service or some of the resources it offers, you may be asked to provide certain registration details or other information “Your Information”. You must not misrepresent yourself in any manner. All information that you provide must be correct, current, and complete.
Online Dating Service Attracts Cuomo’s Attention
The Legal Aid Society is built upon one simple but powerful belief: that no New Yorker should be denied the right to equal justice. Every day, in courthouses and communities across the city, we advocate for the rights of all New Yorkers. Start here to see how we can help you. New York lawmakers pushed through a sweeping package of rent laws that will strengthen protections for vulnerable tenants.
For decades, we have advocated to keep our city affordable for all New Yorkers.
With parts of New York, including the Bronx, still recovering from power to stay up-to-date on the latest coronavirus news throughout New York City The modernized Utility Consumer Bill of Rights will propose reforms to utility during service outages, such as what has frequently occurred in New York.
The law would, therefore, potentially impact businesses based outside New York State if their marketing efforts are directed at New York residents. The current draft of the bill includes several important exemptions. The NYPA also broadly defines “personal data” to include not only specific identifiers such as names, addresses, and social security numbers , but includes financial information, medical information, biometric data, online activity information, geolocation data, or any other information from which inferences could be used to create profiles about an individual’s preferences or behavior.
Any such information may only be used, processed, or transferred by a business with a consumer’s consent, which must be supported by a written statement “or other clear affirmative action” by the consumer. The bill also imposes the role of “data fiduciary” on any covered business, which is required to exercise the duty of care, loyalty, and confidentiality expected of a fiduciary with regard to securing the personal data against a privacy risk.
In protecting the consumer against any such risk, a covered business would be required to act in the best interests of the consumer, in a manner expected by a reasonable consumer under the circumstances. Notably, this fiduciary duty would expressly supersede any duty owed to owners or shareholders of a covered legal entity. In performing its fiduciary duty to the consumer, a covered business would be required to reasonably secure personal data from unauthorized access and promptly notify any consumer of any breach of the above-described data fiduciary duty, though no specific time period for such notification is provided.
To the extent that the covered business discloses, sells, or shares any personal data with a third party such as a vendor or third-party data processor , any such third party must enter into a written contract with the covered business that imposes the same duties of care, loyalty, and confidentiality toward the consumer as required of the covered business.
In selecting or contracting with any such vendor or third party, the covered business is also required to conduct due diligence of any third-party recipient of personal data, including auditing, on a regular basis, the data security practices of any such recipient. The NYPA provides consumers with enforceable rights that must be observed and protected by covered businesses. Covered businesses must provide a clear privacy notice to consumers of such rights, and provide an opportunity for consumers to opt in or out of processing of personal data in such a manner that each consumer must select and clearly indicate their consent or denial of consent.
Credit CARD Act of 2009
With parts of New York, including the Bronx, still recovering from power outages after Tropical Storm Isaias , Assemblyman Jeffrey Dinowitz announced plans to introduce legislation modernizing consumer protections for utility consumers. It would supplement existing legislation from Dinowitz to create a statewide, independent Office of the Utility Consumer Advocate as well as legislation to reform complaint procedures against utility providers by the Public Service Commission.
The modernized Utility Consumer Bill of Rights will propose reforms to utility provider procedure during service outages, such as what has frequently occurred in New York City during recent storms and heat waves.
Your Rights as an Energy Services Company Consumer days prior to the contract renewal date, of the renewal terms and the options you have as a customer.
President Barack Obama on May 22, It is comprehensive credit card reform legislation that aims ” The bill had passed to but was never given a vote in the Senate. In the th United States Congress , the bill was reintroduced as H. The Senate followed suit and passed an amended version on May 19 with 90 yes votes and 5 no votes. The Credit Cardholders’ Bill of Rights includes several provisions aimed at limiting how credit card companies can charge consumers but does not include price controls , rate caps, or fee settings.
Gun rights advocates in the Senate, led by Tom Coburn R-Okla added an unrelated rider to the bill to prevent the Secretary of the Interior from enforcing any regulation that would prohibit an individual from possessing a firearm in any unit of the National Park System or the National Wildlife Refuge System. This amendment overturns a Reagan-era policy prohibiting firearms from being carried in national parks. The George W. Bush administration had attempted to implement a similar policy through the rulemaking process just before leaving office, but the change was struck down by a federal judge.
The provision has been heavily criticized by some environmentalists and gun control advocates, but it was heavily applauded by gun rights groups.
The New York Privacy Act: A Consumer Privacy Bill to Monitor Closely
It’s important to know your rights when you’re trying to resolve a dispute with a retailer. But people often make the wrong assumptions about what the laws allow, or they rely on misinformation from friends, family, or merchants. Here are some common scenarios, the laws that apply, and advice on how to get satisfaction:. The federal Mail or Telephone Order Merchandise Trade Regulation Rule requires stores to ship telephone, mail, fax, and Internet orders within 30 days.
If the merchant promises an earlier shipment date, it must meet that deadline.
state, and federal services Dear Fellow New Yorkers: For centuries, New York City Consumer rights; and; A range of other issues relevant to immigrants living in alien registration number, date of birth, the date he or she entered the U.S., Parents should ask for a copy of the Discipline Code and the Bill of Student.
Medical billing in the United States can seem like an extremely convoluted process. Even when covered by insurance or Medicare, you may find unexpected balances due to odd procedural codes, a slew of medical jargon, and insurance adjustments. This guide will help you, as a patient, navigate the medical billing process from the moment you contact a healthcare provider about an appointment until after you receive your bill in the mail.
We discuss how healthcare providers determine costs and negotiate charges with your insurance provider. Finally, we show you how to identify and dispute erroneous charges on your bill. Fees might seem arbitrary when you ask for cost estimates from your insurer or when you receive a bill after your appointment. If possible, contact your insurer to get cost estimates for multiple healthcare providers in your area.
You may discover fees vary quite a bit for the same services. Medical billing and coding professionals are working behind the scenes from the moment you schedule an appointment up until you receive a bill.
Buyer’s Remorse: When the FTC’s Cooling-Off Rule May Help
Several companies offer dating referral services, which involve the matching of members by use of the computer or other means for the purpose of dating and general social contact, for a fee. Click on the link below to find more information about this topic. The dating referral services begin with the establishment of a contract between the social referral company and the consumer. The buyer may terminate the contract without paying a cancellation fee within three 3 days of receipt of the written contract.
If the company fails to provide the minimum number of referrals for two 2 or more successive months, the buyer may cancel the agreement and receive a refund of all money paid to the company.
You have many rights and protections if you have health insurance coverage bills apply to consumers who receive health care services in New York even if.
Paul Chimera was not exactly desperate, but he was dateless when he went to a dating service called A Perfect Match in August About two months after he signed up, A Perfect Match abruptly closed its doors. Chimera might not have found Ms. Spitzer filed a lawsuit Tuesday against a Hamburg man who ran the now-defunct service, seeking refunds for about customers from Western New York. The dating service fell far short in its contractual role as a matchmaker for lonely Western New Yorkers, Spitzer said.
Under a special section of state law governing social-referral services, such services are required to provide each client a referral for at least one prospective date a month. In most cases, clients of A Perfect Match received no more than one or two referrals, Spitzer said, and one-fifth of the clients received no referrals at all. The State Supreme Court lawsuit filed by Spitzer asks for refunds for the customers and seeks civil penalties to be imposed against the company owner, identified in court papers as William Kasiner, 43, of Hamburg.
Kasiner, a salesman and former Rochester magazine publisher, is angry about the lawsuit, and he disputes Spitzer’s allegations. It was a business that helped many, many people,” Kasiner said. To say that every dating service is bad — that’s not the case. At its most successful point, the dating service had 2, clients in Rochester and Buffalo, Kasiner said. He estimated that 70 couples brought together by his business wound up getting married.
He denied allegations that A Perfect Match failed to provide the number of matches it promised to clients.
New York Reduces the Statute of Limitations for Recovery of Medical Debt
If you choose to purchase energy from an ESCO you are entitled to:. If you are a residential customer you are also entitled to the rights and protections of the Home Energy Fair Practices Act HEFPA which requires that all utility customers be treated fairly with regard to application for service, customer billing, and complaint procedures. Title to, and risk of loss of the energy will pass from Greenlight Energy Inc.
Greenlight Energy Inc. Customer may obtain additional information by contacting Greenlight Energy Inc. PRICE — The price for all natural gas and electricity sold under this Agreement shall include and be subject to all applicable taxes.
(a) A written list of the refund and tax preparation services offered by the tax preparer; The department shall provide a copy of the consumer bill of rights regarding tax LOAN WITHIN APPROXIMATELY TWO BUSINESS DAYS OF [insert date]. the New York City Law Department at [email protected]
Smart home speakers, intelligent personal assistants and other connected devices extend computer networks to everyday items. These applications and devices have the capability to collect and share personal information to an extent not possible previously, and sometimes in ways that are not apparent to consumers. Requires a commercial website that collects personal information from more than users to establish a secure personal information portal that allows a person to access their own information and correct any errors.
Relates to biological characteristics, relates to biometric identifiers. Requires a developer of a website or software application that uses the microphone or camera functionality of a device to collect audio or image data to disclose the data that is being collected and the reason it is being collected to the user. Excludes from the definition of consumer in the state Consumer Privacy Act a natural person whose personal information has been collected by a business in the course of a person acting as a job applicant to, an employee of, a contractor of, or an agent on behalf of, the business, to the extent the person’s personal information is collected and used solely for purposes compatible with the context of that person’s role as a job applicant, employee, contractor, or agent of the business.
Requires a social networking service to provide users that close their accounts the option to have the user’s personally identifiable information permanently removed from the company’s database and records and to prohibit the service from selling that information to, or exchanging that information with, a third party in the future, subject to specified exceptions.
Requires a social media company to honor such a request within a commercially reasonable time. Prescribes the circumstances under which telephone and telegraph corporations may release specified information, including customer proprietary network information, regarding noncommercial subscribers without their written consent.
Private Right to Sue Under NY Data Privacy Bill Could Clog Courts, Business Leaders Say
Disclaimer: Disclaimer: The Codes and other documents that appear on this site may not yet reflect the most current legislation or rules adopted by the City. In addition, certain textual errors and omissions may temporarily exist, resulting from problems in the source database provided to American Legal and from which this website was created. Although these errors and omissions are being corrected, any user discovering any such error is invited to please contact the publisher at NYC.
Because of the similarities of these two cases, a consolidated decision is issued. In relation to the application of the Dating Service Law, more than a decade ago, it was judicially determined that the law did cover services which match members by creating a location and mechanism for members to assess each other by reviewing another member’s video, photograph and profile—a substantially similar service to the one defined by the written contract terms here Great Expectations Creative Mgt.
It is sufficient if defendant made available the matching of members. The mere fact that the basic social introduction process was to be conducted on the Internet in this case does not place the dating service outside the scope of the law. Indeed, in Grossman v MatchNet plc 10 AD3d [1st Dept ] , the Appellate Division applied the Dating Service Law to an Internet social referral service with far less expensive services and viewed any distinction regarding the use of the Internet as too insignificant to merit discussion.
Because the Dating Service Law is found applicable, the court will review the contract and the service’s operation for compliance with the statute. Two types of departures are found. First, there was a massive overcharge by the dating service. The subject dating service contracts assured that there would be no referrals and, even as the oral assurances given to claimant Roe of 12 introductions to be provided over the course of 36 months, failed to commit to any number of introductions in any given month.
Turning to the issue of damages, the Dating Service Law states that “[a]ny person who has been injured by reason of a violation of this section may bring. This court had its opportunity to “view the witnesses, hear the testimony and observe demeanor” People v Bleakley, 69 NY2d , ; see also, Northern Westchester Professional Park Assoc. In this case, each claimant, both appearing to be intelligent, well-spoken and attractive professional women, carefully negotiated the services to be provided.
Given the foregoing, it is determined that the claimants are entitled to a full refund as restitutionary damages.
Statute of Limitations
For centuries, New York City has stood as a beacon of hope and opportunity for immigrants, holding out the promise of a better future to millions of people around the world. New York City is, and must always be, a place that is welcoming to people who want to make a better life for themselves, no matter where in the world they come from. The dreams and aspirations of the 3. This updated manual includes information that I hope will be relevant to immigrant communities in the five boroughs. In addition, the manual includes materials about:.
This manual is not intended to provide answers to every question that an immigrant New Yorker may have about laws and policies.
Summary: Bills or bill drafts have been introduced/filed in at least 25 states and in Puerto Rico. See NCSL’s blog post on States Break New.
It also applies when you invite a salesperson to make a presentation in your home. But not all sales are covered. By law, the seller must tell you about your right to cancel at the time of sale. The seller also must give you two copies of a cancellation form one to keep and one to send if you decide to cancel your purchase and a copy of your contract or receipt.
The contract or receipt should be dated, show the name and address of the seller, and explain your right to cancel. The contract or receipt must be in the same language that is used in the sales presentation. Your right to cancel for a full refund extends until midnight of the third business day after the sale. The Cooling-Off Rule does not cover sales that are:.
You have the right to change your mind. To cancel a sale, sign and date one copy of the cancellation form. Mail it to the address given for cancellations, making sure the envelope is post-marked before midnight of the third business day after the contract date. Saturday is considered a business day; Sundays and federal holidays are not.
Because proof of the mailing date and receipt are important, consider sending the cancellation form by certified mail so you can get a return receipt. Keep the other copy of the cancellation form for your records.
ESCO Bill of Rights
View a table of state seasonal termination protections only. NOTE: These policies may not apply to all utilities in your state. In general, municipal utilities and rural electric cooperatives are not regulated and the policies do not apply to them. Year-round protection from shut-off is available to all residential customers regardless of income with an initial down payment of 10 percent of a customer’s total bill and a monthly budget plan.
Customers called to full-time active military service during a time of declared national or state emergency or war, may apply for shut-off protection for up to 90 days and may request extensions of this protection by reapplying.
Victim/Survivor/Reporter Bill of Rights and assistance to victims/survivors of sexual misconduct, sexual harassment, domestic violence, dating violence, and/or.
If you choose to purchase energy from an ESCO, you are entitled to:. If you are a residential customer, you are also entitled to the rights and protections of the Home Energy Fair Practices Act HEFPA which requires that all utility customers be treated fairly with regard to application for service, customer billing, and complaint procedures. ESCOs that do not assure these consumer rights could lose their eligibility to provide service in New York.
You can find more information about your energy alternatives by visiting: www. Sorry, this plan is not available for your location. Click your state below to view offers in your area. Receive energy delivery and 24 hour emergency services from your utility company. Clear procedures for switching energy suppliers, including information about the enrollment process Disclosure, in simple and clear language, of the terms and conditions of the agreement between you and the ESCO including: Price and all variable charges or fees; Length of the agreement; Terms for renewal of the agreement; Cancellation process and any early termination fees, which are limited by law; and Conditions, if any, under which the ESCO guarantees cost savings.
Rescind an agreement with an ESCO within three days of receiving the agreement, if you are a residential customer. A description of how pre-payment agreements work, if offered. Notice from the ESCO, no less than thirty days prior to the contract renewal date, of the renewal terms and the options you have as a customer. A fair and timely complaint resolution process. Provision of any written documents contracts, marketing materials, and this ESCO Consumer Bill of Rights , in the same language used to enroll you as a customer.