“Consumer debt rises while lending falls (Financial Times)” plus 3 more |
- Consumer debt rises while lending falls (Financial Times)
- Geely taps China banks to back $1.8 billion Volvo deal (Washington Post)
- Want lower student loans? Study in Utah or Hawaii, study finds (The Christian Science Monitor)
- Alwaleed Says Banks Made Wrong Assumptions on Dubai (Update1) (Bloomberg)
| Consumer debt rises while lending falls (Financial Times) Posted: 01 Dec 2009 07:40 AM PST Consumer debt rises while lending fallsBy Denise Law Published: December 1 2009 15:30 | Last updated: December 1 2009 15:30 Consumer borrowing via credit cards, overdrafts and unsecured personal loans rose to an average of £4,724 per UK adult at the end of October, according to new figures compiled by Credit Action. Taken from the Bank of England statistics released yesterday, Credit Action estimates that average household debt in the UK is £9,120 excluding mortgages. It also said total lending rose by £0.3bn in October, while secured lending increased by £0.9bn. However, consumer credit lending to individuals fell by £0.6bn. This compares substantially with January 2008, when total lending grew by £8.4bn. The slow growth rate in total lending, combined with falling consumer borrowing suggests that consumers are beginning to ease their debt levels. With lower savings rates, borrowers are often less likely to save and opt to pay down debt instead. "Our hope is that people are learning the lessons of over-indebtedness. We have noticed a general trend towards amending attitudes towards debt," said Chris Tapp, director of Credit Action. However, Mr Tapp offered a note of caution, citing that the figures indicate both a positive and negative reading. Banks and building societies have also tightened their lending policies, making it more difficult for consumers to gain access to credit. "We are not completely convinced that people have changed that much, though we are hopeful. In the past year, people haven't been able to secure credit, which might explain why borrowing rates are falling." Copyright The Financial Times Limited 2009. You may share using our article tools. Please don't cut articles from FT.com and redistribute by email or post to the web. This content has passed through fivefilters.org. |
| Geely taps China banks to back $1.8 billion Volvo deal (Washington Post) Posted: 01 Dec 2009 10:24 AM PST Home-grown Geely, which means "lucky" in Chinese, is hungry for modern and innovative technologies from the Swedish brand to upgrade its car lineup and tap the auto market in China, the world's biggest. At least three major Chinese banks including Bank of China <3988.HK> <601988.SS>, China Construction Bank <0939.HK> <601939.SS> and Export-Import Bank of China had agreed to extend loans to Zhejiang Geely Holding Group, said the banking sources briefed on the plan. "Money is not a problem for Geely," said a source. "They definitely have strong support from Chinese banks and there are a number of private equity funds queuing up to invest in Geely." The sources asked not to be identified as they were not authorized to speak to the media. Export-Import Bank of China is a policy lender wholly owned by the Chinese government and directly led by the cabinet. Bank of China is China's top foreign exchange lender. China Construction Bank is the country's No.1 property lender. Last month, Volvo's union leaders held their first talks with Geely but were still waiting to see Geely's financing plans for the loss-making Swedish carmaker. A Geely spokesman in Beijing declined to comment on the loan plans but said Geely is still in negotiations with Ford to finalize details of the takeover. He declined to elaborate or comment on the timeframe for the deal, which analysts and industry sources expect to be finalized by early next year. All the three Chinese banks involved said they would not comment on specific loans to clients. Last week, Geely reached agreement with Ford on intellectual property rights (IPR) issues in its bid for Volvo, clearing a major barrier for the deal. The remaining issues for Geely to negotiate with Ford, such as long-term strategy for Volvo's sales and production, would be much easier to solve, said an industry source close to Geely. Geely also needs to build relations with Volvo's management, union leaders and the Swedish government, which are part of the negotiations. This content has passed through fivefilters.org. |
| Want lower student loans? Study in Utah or Hawaii, study finds (The Christian Science Monitor) Posted: 01 Dec 2009 06:39 AM PST Tyson Hunter, 23, pictured in Sept. 2008, owes $152,000 in student loans, accumulated in four years at Boston University. He graduated in 2007 with a bachelor's degree in business administration, and now earns $40,000 a year. All states are not equal when it comes to student loan burdens, according to a new study, with states such as Utah and Hawaii leaving students with the lowest levels of debt while students heading to Washington, D.C. and Iowa piled up the nation's largest average debts. (John Lok/Seattle Times/MCT)Photos (1 of 1) By Laurent Belsie | 12.01.09Rich Clabaugh/Staff Student debt is surging at a time when the job market is worsening. But where students go to college — and even the state where their school is located — can have a huge impact on how much debt they're shouldering when they graduate. Want to avoid high student debt? Then you might want to stay away from colleges in Washington, D.C., and Iowa and head to Utah and Hawaii. Seniors who graduated from colleges in those two states were stuck with an average debt of $29,973 and $28,174 in 2008. Consider instead schools in Utah or Hawaii, where average debts for 2008 seniors were $13,041 and $15,156, respectively, far below the national average of $23,200. Those debt levels are the calculations of a report released Tuesday by The Project on Student Debt (.pdf), an initiative of the nonprofit Institute for College Access & Success based in Berkeley, Calif. Rounding out its Top 10 low-debt states are Kentucky, Wyoming, Arizona, Georgia, California, Louisiana, Nevada, and Colorado. (Click on the chart above for average debt figures as well as the Top 10 high-debt states.) If anything, these totals understate the real debt burden by up to $5,000, according to the report, in part because colleges may not know all the private loans that students bear. In general, states in the Northeast tend to fall in the high-debt category, perhaps because they have a higher-than-average share of students attending private colleges and schools with higher-than-average tuition. Western states tend to fall in the low-debt category because of the reverse. But those generalizations don't always hold true. Just ask graduates of Iowa colleges, who have the dubious distinction of holding more debt than any other state. That's because most of its schools lie above the national average, including Iowa State University, which with a $31,616 average student debt tops even well-known private schools such as Harvard ($10,813), MIT ($14,148), and Stanford ($15,724). Of course, the best college deal for any particular student doesn't depend on averages and may come from a school with a high-debt average. And because the debt survey did not include nearly a third of college graduates and because schools differ in how they calculate student debt, The Project for Student Debt concluded the data were not reliable enough to rank low- and high-debt schools. Nevertheless, you can find the voluntarily reported data for particular schools by clicking here and then clicking on the state where they're located. See also: Student debt and defaults surge You wrote in (and we found a student who ditched debt) __________
CommentsTrackbacks/PingbacksLeave a CommentWe do not publish all comments, and we do not publish comments immediately. The comments feature is a forum to discuss the ideas in our stories. Constructive debate - even pointed disagreement - is welcome, but personal attacks on other commenters are not, and will not be published. Tip: Do not write a novel. Keep it short. We will not publish lengthy comments. Come up with your own statements. This is not a place to cut and paste an email you received. If we recognize it as such, we won't post it. Please do not post any comments that are commercial in nature or that violate copyrights. Finally, we will not publish any comments that we regard as obscene, defamatory, or intended to incite violence. This content has passed through fivefilters.org. |
| Alwaleed Says Banks Made Wrong Assumptions on Dubai (Update1) (Bloomberg) Posted: 01 Dec 2009 03:15 PM PST
TERMS AND CONDITIONS OF SERVICE PLEASE READ ALL OF THE FOLLOWING TERMS AND CONDITIONS OF SERVICE FOR THIS WEB SITE ("TOS") BEFORE USING THIS SITE. By continuing to access, link to, or use this site, or any service on this site, you signify YOUR ACCEPTANCE OF THE TOS. Bloomberg L.P. ("BLP") reserves the right to amend, remove, or add to the TOS at any time. Such modifications shall be effective immediately. Accordingly, please continue to review the TOS whenever accessing, linking to, or using this site. Your access, link to, or use of the site, or any service on this site, after the posting of modifications to the TOS will constitute YOUR ACCEPTANCE OF THE TOS, as modified. If, at any time, you do not wish to accept the TOS, you may not access, link to, or use the site. Any terms and conditions proposed by you which are in addition to or which conflict with the TOS are expressly rejected by BLP and shall be of no force or effect. A. General Terms 1. User Consent to the TOS. You represent that you have read and agree to be bound by the TOS. (ii) If you submit material to this site or to BLP or its representative, unless BLP indicates otherwise, you grant Bloomberg a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, copy, and display such content throughout the world in any form, media, or technology now known or hereafter developed. You also permit any other user to access, store, or reproduce such material for that user's personal use. You grant Bloomberg the right to use the name that you submit in connection with such content. You represent and warrant that you own or otherwise control all of the rights to the material that you submit; that the material you submit is truthful and accurate; that use of the material you supply does not violate this TOS and will not cause injury to any person or entity; and that you will indemnify Bloomberg and its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns for all claims resulting from material you supply. Bloomberg and its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns disclaim any responsibility and assume no liability for any material submitted by you or any third party. 5. Fees and Payments. BLP reserves the right at any time to charge fees for access to portions of the Service or the Service as a whole. If at any time BLP requires a fee for portions of the Service or the Service as a whole, BLP will require you to register and create an account. You shall pay all fees and charges incurred through your account at the rates in effect for the billing period in which such fees and charges are incurred, including but not limited to charges for any products or services offered for sale through the Service by Bloomberg or by any other vendor or service provider. All fees and charges shall be billed to you, and you shall be solely responsible for their payment. You shall pay all applicable taxes relating to the use of the Service through your account, and the purchase of any other products or services. Certain portions of the Service or the Service as a whole may require a prepaid fee ("Prepaid Fee"), which may be modified from time to time in BLP's sole discretion. The Prepaid Fee, and all taxes and other fees related thereto will be paid by you in advance. In no event will you receive any portions of the Service or the Service as a whole if a Prepaid Fee is required unless BLP receives all fees and charges payable by you, including the Prepaid Fee. 6. Registration and Account Creation. As part of the registration and account creation process necessary to obtain access to certain portions of the Service, including those portions that require a fee or payment for access, you will select a username and a password. You will provide BLP with certain registration information, all of which must be accurate, truthful, and updated. You shall not: (i) select a username already used by another person; (ii) use a username in which another person has rights without such person's authorization; or (iii) use a username or password that BLP, in its sole discretion, deems offensive or inappropriate. BLP reserves the right to deny creation of your account based on BLP's inability to verify the authenticity of your registration information. You shall be solely responsible for maintaining the confidentiality of your password. You shall immediately notify BLP by submitting FEEDBACK of any known or suspected unauthorized use(s) of your account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your password or credit card information. You are fully responsible for all usage and activity on your account, including, but not limited to, use of the account by any third party authorized by you to use your username and password. The use of your account by any individual under age eighteen (18) is strictly prohibited. If the computer system on which you accessed the Service is sold or transferred to another party, you warrant and represent that you will delete all cookies and software files obtained by or through use of the Service. BLP reserves the right to terminate your account, in its sole discretion, at any time without notice. You may terminate your account at any time by submitting feedback. Upon termination, you will receive an automated confirmation via e-mail that the request was received, and your account will be terminated within five (5) business days. You are responsible for all charges incurred up to the time the account is terminated. Notwithstanding anything else herein, BLP reserves the right to pursue any and all claims against any user of your account. You agree to maintain only one account with the Service at any time and certify that you currently have no other account(s) with the Service. 7. Disclaimer and Limitation of Liability. (i) YOU AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK AND ACKNOWLEDGE THAT THE SERVICE AND ANYTHING CONTAINED WITHIN THE SERVICE, INCLUDING, BUT NOT LIMITED TO, CONTENT, SERVICES, GOODS, OR ADVERTISEMENTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," AND THAT BLOOMBERG MAKES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE SERVICE, INCLUDING, BUT NOT LIMITED TO, MERCHANTABILITY, NON-INFRINGEMENT, TITLE, OR FITNESS FOR A PARTICULAR PURPOSE OR USE. (ii) Bloomberg does not warrant that the Service is compatible with your equipment or that the Service, or e-mail sent by Bloomberg or its representative, is free of errors or viruses, worms or "Trojan horses," or any other harmful, invasive, or corrupted files, and is not liable for any damage you may suffer as a result of such destructive features. You agree that Bloomberg and its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns shall have no responsibility or liability for: (i) any injury or damages, whether caused by the negligence of Bloomberg, its parent, or their respective affiliates, Suppliers, agents, directors, officers, employees, representatives, general partner, subsidiaries, successors, and assigns, or otherwise arising in connection with the Service and shall not be liable for any lost profits, losses, punitive, incidental or consequential damages, or any claim against Bloomberg by any other party; or (ii) any fault, inaccuracy, omission, delay, or any other failure in the Service caused by your computer equipment or arising from your use of the Service on such equipment. The content of other Web sites, services, goods, or advertisements that may be linked to the Service is not maintained or controlled by Bloomberg. Bloomberg is therefore not responsible for the availability, content, or accuracy of other Web sites, services, or goods that may be linked to, or advertised on, the Service. Bloomberg does not: (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, the Service; (b) guarantee the accuracy, completeness, usefulness or adequacy of any other Web sites, services, goods, or advertisements that may be linked to the Service; or (c) make any endorsement, express or implied, of any other Web sites, services, goods, or advertisements that may be linked to the Service. Bloomberg is also not responsible for the reliability or continued availability of the telephone lines, wireless services, communications media, and equipment you use to access the Service. You understand that Bloomberg and/or third-party contributors to the Service may choose at any time to inhibit or prohibit their content from being accessed under the TOS. (iii) You acknowledge that: (i) the Service is provided for information purposes only and is not intended for trading purposes; (ii) the Service may include certain information taken from stock exchanges and other sources from around the world; (iii) Bloomberg does not guarantee the sequence, accuracy, completeness, or timeliness of the Service; (iv) the provision of certain parts of the Service is subject to the terms and conditions of other agreements to which Bloomberg is a party; (v) none of the information contained on this site constitutes a solicitation, offer, opinion, or recommendation by Bloomberg to buy or sell any security, or to provide legal, tax, accounting, or investment advice or services regarding the profitability or suitability of any security or investment; and (vi) the information provided on this site is not intended for use by, or distribution to, any person or entity in any jurisdiction or country where such use or distribution would be contrary to law or regulation. Accordingly, anything to the contrary herein set forth notwithstanding, Bloomberg, its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns shall not, directly or indirectly, be liable, in any way, to you or any other person for any: (a) inaccuracies or errors in or omissions from the Service including, but not limited to, quotes and financial data; (b) delays, errors, or interruptions in the transmission or delivery of the Service; or (c) loss or damage arising therefrom or occasioned thereby, or by any reason of nonperformance. (iv) UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL BLOOMBERG, ITS SUPPLIERS, AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, SUCCESSORS, OR ASSIGNS BE LIABLE TO YOU FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES EVEN IF BLOOMBERG HAS BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES, ARISING FROM USE OF OR INABILITY TO USE THE SERVICE OR ANY LINKS OR ITEMS ON THE SERVICE OR ANY PROVISION OF THE TOS, SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL BLOOMBERG'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE. 8. Your Authority to Agree to this TOS. You represent, warrant and covenant that: (i) you have the power and authority to enter into this agreement; and (ii) you are at least eighteen (18) years old. 9. Indemnification. You agree, at your own expense, to indemnify, defend and hold harmless Bloomberg, its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns from and against any and all claims, damages, liabilities, costs, and expenses, including reasonable attorneys' and experts' fees, arising out of or in connection with the Service, or any links on the Service, including, but not limited to: (i) your use or someone using your computer's use of the Service; (ii) use by someone using your account; (iii) a violation of the TOS by you or anyone using your computer (or account, where applicable); (iv) a claim that any use of the Service by you or someone using your computer (or account, where applicable) infringes any intellectual property right of any third party, or any right of privacy or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party; (v) any deletions, additions, insertions or alterations to, or any unauthorized use of, the Service by you or someone using your computer (or account, where applicable); (vi) any misrepresentation or breach of representation or warranty made by you contained herein; or (vii) any breach of any covenant or agreement to be performed by you hereunder. You agree to pay any and all costs, damages, and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action, or proceeding attributable to any such claim. Bloomberg reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Bloomberg in asserting any available defense. You acknowledge and agree to pay Bloomberg's reasonable attorneys' fees incurred in connection with any and all lawsuits brought against you by Bloomberg under the TOS and any other terms and conditions of service on this site, including without limitation, lawsuits arising from your failure to indemnify Bloomberg pursuant to the TOS. 10. Termination. (a) You may terminate the TOS, with or without cause and at any time, by discontinuing your use of the Service and destroying all materials obtained from the Service. (b) You agree that, without notice, BLP may terminate the TOS, or suspend your access to the Service, with or without cause at any time and effective immediately. The TOS will terminate immediately without notice from BLP if you, in BLP's sole discretion, fail to comply with any provision of the TOS. (c) Bloomberg shall not be liable to you or any third party for the termination or suspension of the Service, or any claims related to the termination or suspension of the Service. Upon termination of the TOS by you or BLP, you must discontinue your use of the Service and destroy promptly all materials obtained from the Service and any copies thereof. 11. Governing Law. The TOS shall be governed and construed in accordance with the laws of the United States and the State of New York, without giving effect to conflicts-of-law principles thereof. You agree to submit to the personal jurisdiction of the state and federal courts located in New York County in the State of New York with respect to any legal proceedings that may arise in connection with the Service or from a dispute as to the interpretation or breach of the TOS. 12. United States Export Control & Foreign Assets Control Regulations. Bloomberg does not represent that materials in the Service are appropriate or available for use in any particular location. Those who choose to access the Service do so on their own initiative and are responsible for compliance with all applicable laws. Software from the Service is subject to U.S. export controls and may not be downloaded, exported or re-exported: (i) into (or to a national or resident of) Cuba, Iran, North Korea, Sudan, Syria, or any other country with respect to which the United States maintains trade sanctions prohibiting the shipment of goods; or (ii) to anyone on or acting on behalf of an entity on the U.S. Treasury Department's list of Specially Designated Nationals and Blocked Persons or the U.S. Commerce Department's Denied Persons List or Entities List or included in General Order 3 (15 C.F.R. Part 736, Supplement 1), which prohibits exports to Mayrow General Trading, affiliated entities and persons, and specified persons involved in the manufacture or sale of Improvised Explosive Devices (together referred to as "U.S. Prohibited Party Lists"). By downloading or using such software, you represent and warrant that you are not (a) located in or a national or resident of any country noted above that is subject to U.S. trade sanctions, or (b) on any U.S. Prohibited Party List or acting on behalf of any person or entity on any such list. 13. Miscellaneous. You accept that BLP has the right to change the content or technical specifications of any aspect of the Service at any time in BLP's sole discretion. You further accept that such changes may result in your being unable to access the Service. The failure of Bloomberg to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. Sections 2 through 9, 10(c), and 11 through 17 shall survive any termination of the TOS. 14. Headings. The section titles in the TOS are used solely for the convenience of you and Bloomberg and have no legal or contractual significance. 15. Severability. If any provision of the TOS is found invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the other provisions of the TOS will remain in force. 16. Entire Agreement. The TOS and any other terms and conditions of service on this site, and its successor, constitute the entire agreement between you and BLP and govern your use of the Service. 17. Bloomberg University. Bloomberg University is not an accredited program or institution, and is provided by BLP on behalf of Bloomberg Finance L.P. for informational purposes only. You understand, acknowledge, and agree that Bloomberg University in no way shall be considered as conforming with any educational standards or qualifications prescribed by any private or governmental entity. B. LINKING AND FRAMING TERMS AND CONDITIONS YOU MAY NOT LINK TO OR FRAME THIS WEB SITE, OR ANY PORTION THEREOF, EXCEPT AS PROVIDED HEREIN. 1. . Intellectual Property. 2. Restrictions on Linking to this Web Site. Without limiting other provisions contained in our TOS, you may include a link(s) on your Web site to Bloomberg.com's publicly accessible Web pages (i.e., any Web page which does not require a login and password and/or restrict access). You may not link to Bloomberg.com any site containing an inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information that violates any applicable intellectual property, proprietary, privacy or publicity rights. 3. Restrictions on Framing Activities. BLP is concerned about the integrity of this Web site when it is accessed in a manner solely determined by third parties or viewed in a setting solely created by third parties. Specifically, BLP is concerned with activities such as bringing up or presenting content of this Web site within another Web site ("framing"). In this regard, without limiting the provisions contained in our TOS, you may not frame any Web page from Bloomberg.com, except with our express written permission. Further, you may not archive, cache, or mirror any Bloomberg.com Web page or portions of a Web page. If you would like to use, reprint, frame, or redistribute any Bloomberg.com content other than as permitted herein, you must request permission from BLP by writing to FEEDBACK. Please include: (a) your name, e-mail address, and telephone number; (b) the name of your company; (c) the Web site address(es) where the proposed use will occur; and (d) specific details about the contemplated linking or framing activities, including the content or Web page(s) of this Web site which you would like to use. Registration Form By filling out the following required information, you agree that you have read the above Linking Terms and agree to be bound by them:
D. INTELLECTUAL PROPERTY ISSUES 2. Copyright Agent for Copyright Infringement Claims (Digital Millennium Copyright Act): 3. Trademark Notice: E. PRIVACY POLICY FOR THIS WEB SITE
F. E-Commerce Directive Information Bloomberg LP is authorized and regulated by the Financial Services Authority (the "FSA") under reference number 206006 on its Register of Firms http://www.fsa.gov.uk/register/. The FSA can be contacted by calling +44 20 7676 1000, by visiting www.fsa.gov.uk, or by writing to The Financial Services Authority, 25 The North Colonnade, London E14 5HS, England.
Telecommunication Terms for Taiwanese Customers 美商彭博新聞有限公司台北分公司 彭博高速資訊網路業務營業規章 第 一 條 彭博高速資訊網路（英文名稱： Bloomberg High Speed Data Network）業務（以下簡稱「本業務」），係指美商彭博新聞有限公司台北分公司（以下簡稱「本公司」）利用彭博高速資訊網路所提供之各項財經資訊服務。 第 二 條 本業務之營業項目為「存取網路服務(Store and Retrieve Network)」（如電話秘書、線上資訊接取、電子佈告欄(BBS)、電子資料交換、統合信息服務(Unified message service)、電子文件服務、語音訊息、語音信箱服務），及「存轉網路服務（Store & Forward Network）」（如傳真存轉、交易服務、數據網路服務）。 第 三 條 用戶租用本業務，應依本公司規定向本公司申請並簽訂相關用戶合約，載明各項權利義務。第 四 條 自用戶端連結至彭博高速資訊網路之電信機線設備，應由本公司負責向第一類電信事業承租，其租用條件應依該第一類電信事業之規定訂之，且其架設、維修、通信品質等均由該第一類電信事業負責，本公司僅負責代用戶與該第一類電信事業聯繫。第 五 條 本業務系統所需各項硬體及軟體設備之取得、設置以及所有權，均依本公司相關業務規定或用戶合約約定辦理。第 六 條 本公司提供本業務所收取之服務費主要可分為系統建置費、設定費、網路系統維護費、資訊服務費、其他電信事業所收取之通訊費用等。本公司應於用戶合約中載明詳細付費項目以及各項費用之計算標準。第 七 條 本公司若對於服務費有所調整或變更時，除報請主管機關備查外，應於彭博高速資訊網路之網站以及本公司營業場所公告，並事前個別通知用戶。用戶若不同意服務費之調整或變更，得立即終止用戶合約，本公司應退還用戶所預付之服務費。第 八 條 用戶於向本公司申請使用本業務時，應提出正確之用戶資料，並於變更時通知本公司，否則概由用戶自行負責。第 九 條 本公司對於因提供本業務所取得之用戶資料應加以保密，並遵守「電腦處理個人資料保護法」之規定處理用戶資料。惟於下列情形，本公司得提供用戶資料予第三人： 一、經用戶同意。 二、司法機關或犯罪偵查機關，為偵查或調查犯罪依法所為之命令。 三、其他政府機關因執行公權力而依法所為之命令。 四、與公眾生命安全有關之機關為進行緊急救助者。 五、符合「電腦處理個人資料保護法」第二十三條之規定者。第 十 條 本公司預定暫停或終止本業務之一部或全部時，應於預定暫停或終止日一個月前報請主管機關備查，並立即通知用戶。 前項暫停營業之時間最長不得超過一年。 第十一條 若本公司營業許可遭主管機關廢止，或本公司預定暫停或終止本業務之一部或全部時，本公司應退還用戶所預付之費用，並應依法律規定以及用戶合約約定賠償用戶之損失。第十二條 用戶若有拒絕或遲延給付本業務之服務費之情事，本公司應定相當期限催告該用戶給付所積欠之服務費，並告知該用戶若未於所定期限內給付時，本公司有權依用戶合約之規定停止提供本業務，或期前終止用戶合約。第十三條 若本公司發現用戶使用本業務有下列情形之一時，本公司有權立即停止對該用戶提供本業務，且該用戶應自行負擔任何責任： 一、危害國家安全、擾亂治安。 二、妨害公共秩序、善良風俗。 三、竊取、更改、破壞他人資訊。 四、危害本公司或他人網路系統安全。 五、妨礙通訊秘密。第十四條 用戶使用本業務，如因本公司或其他電信業者之系統設備障礙、阻斷，以致發生錯誤、遲滯、中斷或不能傳遞時，本公司依電信法第二十三條之規定不負損害賠償責任，但應依下列規定扣減服務費： 一、若服務中斷達十二小時以上，而本公司仍未能使其恢復者，每中斷十二小時扣減每月服務費之三十分之一。 二、當月因通信不通所扣減之服務費總額應以當月所應繳納之服務費總數為限。 三、服務中斷之起始時間，以本公司察覺服務中斷或接獲用戶服務中斷之通知時為準，但若有紀錄證明服務中斷之實際起始時間者，以中斷實際發生之時為準。第十五條 本公司接獲用戶有關服務中斷之通知後，應立即展開系統之檢查及修復，並儘速排除服務中斷之原因，以維持本業務之服務品質。第十六條 用戶若對於本業務有任何意見或申訴，得利用客服電話：+886-2-7719-1592與本公司聯絡。 第十七條 本公司應遵守電信法之相關規定，確保用戶使用本業務之通訊秘密。 第十八條 若用戶有利用本業務從事非法活動者，本公司有權向相關單位檢舉，並有權將之視為拒絕往來戶。第十九條 本營業規章未盡事宜，悉依相關適用法令以及用戶合約之規定辦理。 第二十條 本營業規章自公告日起施行，於有變更時亦同。
This content has passed through fivefilters.org. |
| You are subscribed to email updates from Add Images to any RSS Feed To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google Inc., 20 West Kinzie, Chicago IL USA 60610 | |
0 comments:
Post a Comment