Are you Allowed to File a Lawsuit if Your Data is Being Misused as a Customer


In general, creditor companies are not allowed to use the personal data of their clients except for the purposes of the contract concluded between the two parties. The provision of personal data to third-party clients that have a psychological effect on the creditor company’s clients is a violation of the Personal Data Protection Act. In this case, citizens can file a complaint with the help of our defence lawyer toronto. It should be noted that even if the contract stipulates that the creditor may provide their personal data to collection companies, this provision is contrary to the Personal Data Protection Act and as such is null and void. Therefore, even in this case, citizens can turn to the Commission for protection.

In cases where citizens become victims of psychological harassment on the part of the collector companies, they may also appeal to the authorities of the Ministry of Interior and the Prosecutor’s Office, as such acts may be carried out by the bodies of the crimes – Extortion, both of which are serious intentional crimes and are punishable by imprisonment.

What we need to know about prescription and how to do it if we receive a message from a collector

Most often, people complain that they are victims of psychological harassment by collector companies without actually owing any sums to the lending companies. This may be due either to a mistake on the part of the company, misuse of rights on their part, as well as misinterpretation of the contracts entered into between companies and citizens, or to the expiry of a limitation period.

For example, it is possible for the citizen to have terminated his contract with the company due to poor or poor performance of the service, in full compliance with the procedure under the Obligations and Contracts Act. However, this termination is not accepted by the creditor company and it continues to charge fees that are not due.

In cases where the limitation period for a receivable has expired, and for periodic claims, this limitation period is 3 years, then the creditor company cannot assert its rights through court proceedings, so it uses the collector companies, which through psychological harassment on the citizens force them to pay one of their obligations that is time-barred.

However, as far as prescription is concerned, it is extremely important to know that it does not apply ex officio but with objection and that the payment of a limitation period is not unduly paid. What does this mean – if the creditor company filed a lawsuit against the citizen for a debt for which a limitation period has expired, then the citizen should make an objection to the court and he will reject the claim. However, if a citizen acknowledges his or her pay or pays only part of the amount, he cannot ask for the money back because a prescription has expired.

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Tips for Choosing Digital Signage Content Management Software (CMS)

The main focus on the use of digital signage in the recent past has shifted from its technology to the ease of deployment and the content. During your digital signage project, the use of a content digital signage management software is very essential. A digital signage CMS is the control point where all data and information relayed n the TVs emanates. It also helps you deploy and manage the content in the display network. The content can also range from business announcements, promotions or specials, news, weather, special events, to traffic. This list will help you select the best digital signage CMS that suits your needs and preferences.

1. Set digital signage goals

When investing in your digital signage, this is the most important part of the process. The objectives and goals of this project should always be articulated even before the vendors are researched. You need to consider the form of content it will take concerning audio, images, and videos. You also need to consider where the CMS will be used, and its placement. In the end, you will articulate its goals as far as customer service improvement, boosting brands, and increasing sales are concerned. It is also important to decide the employee or department to own the deployment to ensure the process runs smoothly.

2. Identify Must-have Features of the CMS

While you have your digital signage goals defined, you need to consider that these goals can be matched by the digital signage CMS tool. You can also see to it that the system has 4K support if you need one. If you also need wireless or wired connectivity, it must be provided by the CMS tool. Ensure you see if the system has content capabilities such as MRSS/RSS, HTML 5, event listings, and social media feeds. Do you need zoned displays or full screens? Once the list is complete as far as content reporting and scheduling are concerned, you can commence shortlisting your vendors.

3. Ask questions

While there are numerous digital signage CMS providers in the market, it can be quite a challenge to choose one that suits your needs. However, it is a good thing to choose from that wide pool of providers. This indicates that the technology is stabilizing and the market is maturing. In the end, you will have competitive solutions. To discern the best solution for your needs, you need proper research. You also need to establish a bond with the vendor because you are entering a long-term relationship. You can get more information if you hop over to this website.

4. Understand costs

You can find free CMS for your digital signage as well as a subscription plan or a one-time fee. While it can be easy to select the free digital signage CMS systems for your solution, you must first do your research before jumping into a solution. This regards the operational or running costs of the free solution. Many may charge for support or updates with limited features. Investigate tools with the one-time fee and a subscription model to save on cash.

With the help above, you are set to seek your digital signage content management system that suits your needs.


Importance of Operations Management to the modern Business

Some of the major importance and significance of contemporary operations management include efficient resource utilization, the accomplishment of goals and provision of foresight and vision. According to Peter F. Drueker, Management is the life-giving and dynamic element of every business organization. Management is the organ that brainstorms to provide a vision for any company. It is the force of accomplishing and integrating business objectives.

Objectives of operations management

The operational management of any business has two primary objectives it in needs to accomplish, and in many forms, the objectives can be said to be interrelated. The goals are resource utilization and customer service. The main aim of any business enterprise is customer service and satisfaction. This is mainly because when all is said and done, irrespective of the strategies applied, the entire purpose of the business will have failed if the consumer is unhappy with your product or service. It is the business of the operations manager and his team to ensure that the preferences and needs of the consumer are met using such applications as xMatters alternatives. The management also has the business of ensuring that the resources available are effectively utilized.


Whenever there is careless resource utilization in the business, the cost of production or doing business will go up which consequently reduces the profits margins achieved by the company. In this article, we shall discuss the importance of operational management to the modern business model.

Accomplishment of goals

It is the management that determines the goals of any business enterprise. The various departments of the organization all run in sync due to the strategies laid down by the departmental heads in conjunction with the managers. The management communicates the objectives and goals of the company to the staff and asks for their cooperation so that they can be achieved. All the activities and undertakings of the company are directed towards its objectives and goals. The success of any company solely depends on the clear-cut definition of the business objectives and goals.

Effective resource utilization

The managers in any organization must ensure that the available resources are efficiently utilized in the running of business operations. The business management eliminates all forms of operational wastage through organization and planning of the different departments involved in production. This achieves high levels of efficiency in the different branches of the business. The managers must also offer motivation to the employees to give their best performance which in turn increases productivity.

Sound organization

The management should keep in touch with the supplies and external environment foresight and vision of the business. The administration will also incorporate incentives that will ensure that the business can adapt to the demands of a dynamic business environment of the 21st century.

National growth and prosperity

Efficient resource management is equally critical for the smooth running of any organization. The effective management of any business is an important factor to social and economic development. The development of any nation is dependent on how well its resources are managed and utilized. Effective resource management is also key to economic growth and prosperity. This will consequently translate to better living standards for the general populace.


Top 3 Business Expansion Tips for Small Businesses    

One of the main objectives of every small upcoming business is to grow as fast as possible and improve its bottom line. However, this calls for careful planning of operations— in a manner that will eventually prove sustainable and profitable. Growing merely to increase your business’s footprint does not seem right from a fiscal or operational perspective.

So, what’s the most effective way to ensure you company is growing fast today without compromising its future? Here are some sure ways to go about it.

  1. Don’t rush to expand— have a clear path

If developing a business was as simple as having the necessary finances to purchase or hire a larger space, employ more workers or arrange for more inventory, then we would stop at just that. Unfortunately, cutting corners to achieve growth is only fleeting joy that will turn soon turn to sorrow.

Don’t rush to expand your startup minus a well-though out plan. As the head of your corporation, you certainly know a lot about your finances, operations, what’s popping in the market and other critical info. With this useful knowledge, you can establish if, when and how to grow your business. A conservative approach will help you make efforts to grow only when you have a clear strategy, objective and benefit in mind.

2    Have a Unique Selling Point—what makes you different? 

Clearly defining your market segment is an effective way to grow. Segmentation is all about deciding the group of customers you’ll target and putting in resources to attract them. Having a unique selling point eliminates uncertainty and helps you make more focused growth decisions. Sadly, defining your market segment won’t be a very easy task; you’ll have to think outside the box.

But the whole point is to concentrate on the groups of customers that are; most loyal, the leading revenue providers and are lovers of your brand. Identifying your target market presents the opportunity to plan and implement effective growth.  

3  Utilize the feedback from several sources

At times, addressing the consumers need is the best approach to planning for business growth. You can do this by improving service quality in specific areas or offering a formerly unavailable service as requested by clients.

However, don’t always let feedback dictate when you grow though they sometimes a form a crucial part of your decision-making.

Also, be sure to seek feedback from different platforms and compare them. Utilize social media, conduct surveys, and seek feedback directly from customers that visit your shop are all viable ways to collect pointers.

Last words

No growth efforts can be successful without adequate financial backing. If you have a poor FICO score, try a merchant cash advance bad credit to boost you to achieving your expansion dreams.

Author BIO

Business Funding expert, Nathan Hale, founded First American Merchant with his eyes set on helping the backbone of our country, small business owners. His passions include writing/producing music, and travel. First American Merchant is America’s Best Merchant Cash Advance Bad Credit Company, serving both traditional and high-risk Businesses.


Must-Have Traits of a Serial Entrepreneur

Being a successful entrepreneur is a feat that many individuals simply never achieve. However, being a successful entrepreneur many times over, or more commonly referred to as a serial entrepreneur, is something only a select few have been capable of up to this point in time. Today, we’re going to reveal the top traits that all serial entrepreneurs possess so that you can start gaining the skills you need to be just like them.


A serial entrepreneur has one major characteristic that allows them to succeed far beyond others who try and that’s their passion. They have a burning desire to see their idea meet the forms of physical life. This passion is what allows them to wake up every day wanting to take on more. It’s what makes them succeed by holding on and pushing through when others throw the towel in. If you’re not passionate about what you’re doing, the likelihood of you succeeding is not very high.

Risk Taker 

Being successful in itself requires risk. Some goals have monetary risks while others have time-consuming risks. Serial entrepreneurs are willing to take the risk that is necessary to move their business forward. They know that sometimes they may fail in an endeavor, but the investment remains worth it. This is because serial entrepreneurs know that both success and failure contain lessons that shape them into being a better business person. You can read a full report on a successful serial entrepreneur who took risks to develop many prominent tech companies there.


Take a second and think of all the successful business owners that you’ve ever met. They all have one major thing in common that is unmistakable. That thing is called self-confidence. They have confidence in themselves and the products or services that they offer. While they keep an ear open to criticism, they are able to shield away self-doubt. It’s no surprise that people feel more comfortable spending their money on a person that portrays confidence in what they’re doing as opposed to someone who doesn’t.


Patience is definitely a virtue in the business world. Talk to any business owner and they’ll echo the fact that business always takes longer than expected. No matter whether it’s closing a deal, launching a product, or signing a building lease, business dealings tend to take much longer than initially anticipated. This is due to the fact that you can be prepared for everything and unexpected wrenches get thrown into your plan. A successful serial entrepreneur knows this and is able to continue to put in the work each day knowing that their breakthrough is just around the corner. Serial entrepreneurs have the patience to wait and see their project through, regardless of how long it takes.

If you are thinking of becoming a serial entrepreneur, there are some necessary traits that you must possess. While some of these traits may be easier to develop than others, they’re all worth spending time on to create in your own life. Realize that being a successful serial entrepreneur requires an undue passion that allows you to take on risks with a strong dose of self-confidence and patience to see your creation come to life.