Credit CARD Act of 2009


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. Eligible senior citizens participating in Winter Protection are not required to make specific monthly payments between November 1 and March Summer disconnent protection – a utility may not effect an involuntary disconnection of residential services in affected counties when an excessive heat watch, heat advisory, or excessive heat warning issued by the National Weather Service is in effect. Other Disconnect ban if health of household member would be adversely affected, need medical certificate. Other If a customer demonstrates a medical emergency from December through March, the utility shall not terminate service without offering a levelized plan.

Student Bill of Rights

New York Laws General Bus. The department shall consult with the department of state, to enhance distribution of fliers to consumers. The flier shall be in a form which is easily reproducible by photocopy machine.

% Free online dating and matchmaking service for singles. our Privacy Policy;; You may review the New York Dating Service Consumer Bill of Rights here;.

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.

Online Dating Service Attracts Cuomo’s Attention

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. The bill is intended to be part of a broader discussion about how to better regulate power companies to serve the interests of consumers and proposed reforms will include:.

The proposed legislation is still being drafted and will incorporate feedback received at the Aug. I look forward to discussing my proposal for a modernized Utility Consumer Bill of Rights with my colleagues and am optimistic that we will be able to make tangible and impactful change that benefits working people in New York State.

New York† (1) Provide for notice of automatic renewal provisions in service contracts. The bill would also require a consumer who accepts an automatic renewal offer online (a) the date upon which the contract will be renewed. right to cancel as defined in this section; (4) the buyer’s rights in the event of a disability.

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.

ESCO Bill of Rights

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.

See what we are doing to help, and join us in our fight for our fellow New Yorkers.

If you subscribed using an External Service (e.g., Apple ID, Google Play), review the New York Dating Service Consumer Bill of Rights here;.

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.

Consumer Federation of America

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.

New York State Public Service Commission (PSC) rules and the Home Energy Fair If you are unable to pay your bill by the late payment date, please call us to Consumer Outreach, Paula Coppin, who can be reached at ()

Attorney General Andrew M. Fun fact from the press release? The problem is the insufficient number of men to match the much larger number of women who sign up. Tables for Six has the problem. Tables for Six female members complain bitterly of the same number of dinner invitations and the potential serious relationship material of men who attend.

I would have liked to have been offered a six-month option to put me out of my misery faster. Table for Six is a total scam and I am writing to every news station here as well as our Atty General and my attorney and best friend is getting me help as well. I encourage anyone out there that has had the rip-off experience with this company to contact me at at mauicat comcast.

Statute of Limitations

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.

Patients’ Bill of Rights. As a patient in a New York State hospital, you have certain rights and protections guaranteed and other services you may need after you leave the hospital; or the date the physician and/or hospital plans to discharge you; and consumer members appointed by the Commissioner of Health.

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.

New York Reduces the Statute of Limitations for Recovery of Medical Debt

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. If the retailer has a reasonable basis for not getting your order out on time, it must obtain your consent to the delay.

In a New York Times op-ed entitled “Why Medical Bills Are a Mystery,” professors Service Date: Your bill includes a column listing the dates you received each.

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.

Search Login. Select Language. Please note that the English language version is the official version of the code. American Legal Publishing and the jurisdiction whose laws are being translated do not vouch for the accuracy of any translated versions of such laws.

Understanding Medical Bills

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.

New York General Business Law GBS NY GEN BUS Section c. to be known as the “Dating Service Consumer Bill of Rights”, which shall contain at least.

Javascript must be enabled to properly view this page. Bill Search Home. Bill No. Clarifies that certain provisions relating to social referral services shall not apply to online dating services that are generally available to users on a national or global basis. Requires that an online dating service shall disclose cautionary information to all of its New York members known to have previously received and responded to an on-site message from a banned member in order to prevent the members of an online dating service from being victimized by banned members.

Section 2: Effective date. As such, the time is ripe for updating aspects of the law to better protect New Yorkers who use these services from fraud and abuse.

Consumer Bill of Rights

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