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FAQs
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How do I manage safe and convertible noteholders when raising my series A?
How do I manage SAFE and Convertible Noteholders when raising my Series A? The proliferation of SAFEs and Convertible Notes the past few years has given rise to a new problem when raising your Series A financing – “party rounds” with a lot of stakeholders who prove difficult to manage.More and more, we are seeing Series A companies with a signNow number of outstanding converting securities. The range for Series A financings we have worked on in 2017 and 2018 has been anywhere from twenty to sixty converting securities, with the majority being SAFEs. Total Seed financing has increased such that the range we are now seeing is a couple of million dollars up to ar...
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Why hasn't the IAF retired the MiG-21 yet, even though it is extremely old?
I will give a step-wise explanation on why IAF still uses Jaguar and Mig-21 till date even though they were retired long ago by some of the operators around the world.Mig-21 : It was in early 1980s , when Indian Air Force realised that it needed to replace its Mig-21 since they will be signNowing the end of their service life by 1990s which will be a critical fall for Indian Air Force in terms of numbers. Hence the Tejas programme was started which had its own share of problems and was dragged on for many years. Hence what IAF needed was an interim solution. The solution came when it was decided that IAF Mig-21 will be upgraded and its Total Technical Life (TTL) will be extended. The upgrade involved better avionics , armaments , EW suite and more. This helped the Mig-21 to stay for much longer in Indian Air Force. The sole reason why Mig-21 has persisted in IAF till date was due to the fact that Tejas programme faced initial hiccups and thus failed in its objective to replace the older Mig-21 in IAF service.Recently IAF has retired its Mig-21 Type 96 Aircrafts as Tejas programme has started to bore results with Tejas now being actively inducted in Flying Daggers Squadron of IAF. At present IAF uses only Mig-21 Bison/bis aircrafts which will be retired from service by next decade.SEPECAT Jaguar : Jaguars in IAF service are termed as “Deep Penetration Strike Aircraft” ( DPSA ) meant as a Fighter-Bomber to strike deep in the enemy territory. Indian Air Force has serially upgraded its Jaguars with DARIN programmes the latest being DARIN III which adds an AESA radar to the Jaguar. Future replacement for Jaguar can be AMCA which is an Indian 5th Generation Fighter Aircraft currently under development. The extended life which has been breathed in Indian Jaguars through MLUs can well keep Indian Jaguars in air up till next decade.India has been notoriously known for running the aircrafts in its inventory for a much longer time than warranted by its TTL through MLUs like in case of Mig-21 and Jaguars and even Mig-27 and others. Retiring almost 200+ Mig-21 will bring in a critical void which IAF doesn’t want due to its falling numbers. Also Jaguar is India’s lone DPSA so as long as upgrades are available and quick replacements are unavailable it is better to keep them running as these aircrafts serve quite well in their roles.Many nations still use Mig-21 like Romania with some of the famous Mig-21 knockoffs like F-7 used many nations around the world like Bangladesh , Pakistan and Egypt.
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Which is the best online share broker in India for beginners?
I remember when i opened my first account with SBI Security “ SBI SMART” but I was very happy with them even they have high brokerage but they do provide free daily 3 free call & Trade(Offline order placing from phone) at that time if you want to trade online you have to open laptop every time which was not feasible.Sooner smartphone new era started & then you can place order directly from your mobile phone, Soon i realized that i need to make a switch to another broker for low brokerage at that time as i felt that i’m paying higher brokerage so then i started searching for new stock broker.I have been into stock brokerage industry from age of 14 so i’ll try to write down all my experience into this article. Even from that day to today I run a platform to help beginners to find best stockbroker in India.[1]If you are looking for the best online share broker, There are many reasons for one to hesitate to choose the right stock broker over other. I’ll help you in easing the dilemma and come to correct conclusion in finding best stockbroker for you.Main reason is that there are quite a lot of options to choose from. It creates confusion. Choosing between them is not so difficult, if you mind to consider a few facts that differentiate one broker from each other and makes you see which one is best bet for your trade.Even brokerage should not be single criteria for choosing any broker, If you don’t find any right choice then follow the trend, which broker is trending you can open account with them.Weather you are beginner or novice in stock broker industry or full fledged stock trader. I’ll tell you how you can find best stock broker in India, so you will not need to change this in future.Now I’ll divide stock broker depending upon type, i’ll First start with Discount broker as they are now trending and opted by most of the people followed by top full service broker.Zerodha- Yes, Zerodha is top stockbroker in India & also India’s largest brokerage house replacing ICICIDirect. Now here is what you’ll actually get in zerodha. Today, Zerodha is top volume contributors on NSE, BSE, MCX-SX and MCX, with average daily trading turnover of over Rs. 10,000 Crores and the company has a client base of 1.2 million customers. It offers commodity, currency and equity trading. It has a subsidiary just for trading commodities, namely, Zerodha commodities Pvt. Ltd.Zero Brokerage in delivery trades & free mutual fund investment.Flat brokerage for Intraday (20 rupee/ order mamxium) or 0.01% whichever is lower & also they do n’t have any hidden charges.Their trading system have very simple UI & Interfernce so it makes very easy for beginners to start & learn trading.They have very fine tuned educational platform named Zerodha Varsity which is very useful to learn stock market.(Free for everyone)Even if you advanced trader they have very good trading platform (Kite, Pi) & also offer API for algo trading with other platform & provide very trending platform as smallcase, streak, coin (mutual fund platform) & much more which are part of Zerodha platform.So this way Zerodha wins hands down when it comes to top Discount broker. , You can signup for applying online trading and demat account with Zerodha and enjoy the lowest brokerage In India2. Upstox- Upstox is among the fastest growing stockbroker in India. If you will choose either of them you will not be wrong. Upstox is for pro trader & I always recommends Zerodha for newbie over Upstox. Upstox sometimes provide free account opening.Upstox is also relatively new discount stock broker in India & provide similar edge to Zerodha. Upstox & Zerodha have same pricing model even Upstox charge less AMC.Even if you’ll look to Upstox you will find that Upstox is very similar to Zerodha but they tried to overcome the issue retail trade were facing in Zerodha. You’ll be never get wrong if you choose either of them.Upstox is funded by World Class Investor Mr. Ratan Tata & also Upstox is fastest growing brokerage firm.Upstox provide higher margin & better stable system & highest rated mobile app (Upstox Pro).Upstox offer free mutual fund have one of best lowest broker in India as per now.Upstox have advanced charting & all platform are integrated in Pro Upstox.They provide margin trading facility at lowest rate in Industry. Most of the broker even don’t provide & few of them charge too much for this.Upstox is also a great choice in case Discount broker, I see very great future ahead. They also provide online account opening, You can follow these step to open Account in Upstox Online using Aadhar.3- Fyers- You may even didn’t heard this name but i bet on this broker rather then 5paisa because Fyers strive for growth & very costumer friendly approach & also in case you need finest broker only trading platform then Fyers may be meant to you as their trading platform is much more advanced & well designed then any other top broker.Fyers also have flat brokerage plan 0.01% or 20 rupee/ order (Whichever is lower). They are even so much confident that they offer free account as they belive that if you’ll trade with them you’ll love them but still much more room for improvement.Fyers need more products & features but you can choose them if you are want reliable & advanced trading system.Fyers recently came up with online account opening process. You can Apply online for Fyers account opening.4- Sharekhan- Sharekhan is full service broker in India. Now this is somewhat in top stockbroker in full service broekrage space even Angel Broking & ICICI direct are in same scale rating. You will be never wrong if you choose either of them but I really love costumer support & transparency compared to others.I’ll not talk much more about features as they they have everything from top to bottom what’s all facility retail trader look for. Only problem is their higher charges & brokerage. If you are okay with paying higher charges then go ahead you’ll not find better bet then Sharekhan.Sharekhan Charges Brokerage depending upon % of total turnover which leads to higher brokerage. Sharekhan have well-equipped and highly advanced competitive softwares making investing a smooth and uncomplicated experience.5- Icicidirect- In case if you are looking for best trading calls & advisory service broker then Icicidirect Broker will be best choice for you. Thier Trading platforms are well designed and well updated with high speed and fine execution.As an investor, if you are looking for a broker with good technology and All in one service then Angel Broking may be a good choice over other.They offers wide range of services to its clients, namely finance and credit, wealth management, Portfolio management, investment banking & advisory services, stock and currency broking, Mutual Funds, bonds, IPOs, insurance and much more.These above mentioned broker are stockbroker as per latest data, In future if there is any new update & change in ranking & review will be updated.Hope this help.Upvote, Share & Follow!Footnotes[1] Best Stock Broker In India Review [Updated] | Paisowala
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What are the laws - Data Protection, Data Transmission and Export and Data Encryption in India to operate a technology platform
The Information Technology Act, 2000 came into force on 17.10.2000 vide G.S.R No. 788(E) dated 17.10.2000 and for the first time, a legal definition of “Computer”, “Data”, “electronic record”, “Information” et al were provided. The said Act gave a legal recognition to the electronic records and digital signatures and in Chapter IX thereof provided for penalty and adjudication. Section 43 of the Act interalia provided that in case of unauthorised access, download or copying or damage to data etc, the person responsible shall be liable to pay damages by way of compensation not exceeding one crore rupees to the person affected.Apart from civil liability provided under Section 43, Chapter XI (Sections 63 to 78) of the Act of 2000 provided for criminal liability in cases of Tampering, Hacking, publishing or transmitting obscene material, misrepresentation etc. Apart from the same, Section 72 of the Act provided for penalty in case of bsignNow of confidentiality and privacy and laid that in case any person who has secured access to any electronic record, Data or information, discloses the same to any other person without obtaining the consent of the person concerned, he shall be punished with imprisonment upto two years or with fine upto Rupees one lakh or with both.However, the provisions of the Information Technology Act, 2000 were not adequate and the need for more stringent data protection measures were felt, the Information Technology (Amendment) Act, 2008 was enacted which came into force on 27.10.2009. The said Amendment Act brought in the concepts like cyber security in the statute book and widened the scope of digital signatures by replacing the words “electronic signature”. The amendment act also provided for secure electronic signatures and enjoined the central government to prescribe security procedures and practices for securing electronic records and signatures (Sections 15-16) The amendment Act also removed the cap of Rupees One Crore as earlier provided under Section 43 for damage to computer and computer systems and for unauthorised downloading/ copying of data. The said Amendment Act also introduced Section 43A which provides for compensation to be paid in case a body corporate fails to protect the data. Section 46 of the Act prescribes that the person affected has to approach the adjudicating officer appointed under Section 46 of the Act in case the claim for injury or damage does not exceed Rupees Five crores and the civil court in case, the claim exceeds Rupees Five crores. The amendment act also brought/ introduced several new provisions which provide for offenses such as identity theft, receiving stolen computer resource/ device, cheating, violation of privacy, cyber terrorism, pornography (Section 66A-F & 67A-C). The amendment act also brought in provisions directing intermediaries to protect the data/information and penalty has been prescribed for disclosure of information of information in bsignNow of lawful contract (Section 72A)With the enactment of the Amendment Act of 2008, India for the first time got statutory provisions dealing with data protection. However, as the ingredients of “sensitive personal data and information” as well as the “reasonable security practices and procedures” were yet to be prescribed by the Central Government, the Ministry of Communications and Information Technology vide Notification No. GSR 313 (E) dated 11th April 2011 made the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information ) Rules, 2011 (the said rules). Rule 3 of the said rules defines personal sensitive data or information and provides that the same may include information relating to password, financial information such as bank account or credit card details, health condition, medical records etc. Rule 4 enjoins every body corporate which receives or deals with information to provide a privacy policy. Rule 5 prescribes that every body corporate shall obtain consent in writing from the provider of the sensitive information regarding purpose of usage before collection of such information and such body corporate will not collect such information unless it is collected for a lawful purpose connected with the function or activity of such body corporate and collection of such information or data is necessary and once such data is collected, it shall not be retained for a period longer than what is required. Rule 6 provides that disclosure of the information to any third party shall require prior permission from the provider unless such disclosure has been agreed to in the contract between the body corporate and the provider or where the disclosure is necessary for compliance of a legal obligation. The Body corporate has been barred to publish sensitive information and the third parties receiving such information have been barred to disclose it further. Rule 7 lays down that the body corporate may transfer such information to any other body corporate or person in India or outside, that ensure the same level of data protection and such transfer will be allowed only if it is necessary for performance of lawful contract between the body corporate and provider of information or where the provider has consented for data transfer. Rule 8 of the said rules further provide reasonable security practises and procedures and lays down that international standard IS/ISO/IEC 27001 on “Information Technology- Security Techniques- Information Security Management System- requirements “ would be one such standard.The Ministry of Communication and Information Technology further issued a press note dated 24th August 2011 and clarified that the said rules are applicable to the body corporate or any person located within India. The press note further provides that any body corporate providing services relating to collection or handling of sensitive personal data or information under contractual obligation with any other legal entity located within India or outside is not subject to requirements of Rules 5 &6 as mentioned hereinabove. A body corporate providing services to the provider of information under a contractual obligation directly with them however has to comply with Rules 5 &6. The said press note also clarifies that privacy policy mentioned in Rule 4 relates to the body corporate and is not with respect to any particular obligation under the contract. The press note at the end provides that the consent mentioned in Rule 5 includes consent given by any mode of electronic communication.Data Protection relates to issues relating to the collection, storage, accuracy and use of data provided by net users in the use of the World Wide Web. Visitors to any website want their privacy rights to be respected when they engage in e-Commerce. It is part of the confidence-creating role that successful e-Commerce businesses have to convey to the consumer. If industry doesn't make sure it's guarding the privacy of the data it collects, it will be the responsibility of the government and it's their obligation to enact legislation.Any transaction between two or more parties involves an exchange of essential information between the parties. Technological developments have enabled transactions by electronic means. Any such information/data collected by the parties should be used only for the specific purposes for which they were collected. The need arose, to create rights for those who have their data stored and create responsibilities for those who collect, store and process such data. The law relating to the creation of such rights and responsibilities may be referred to as ‘data protection’ law.The world’s first computer specific statute was enacted in the form of a Data Protection Act, in the German state of Hesse, in 1970.The misuse of records under the Nazi regime had raised concerns among the public about the use of computers to store and process large amounts of personal data.The Data Protection Act sought to heal such memories of misuse of information. A different rationale for the introduction of data protection legislation can be seen in the case of Sweden which introduced the first national statute in 1973.Here, data protection was seen as fitting naturally into a two hundred year old system of freedom of information with the concept of subject access (such a right allows an individual to find out what information is held about him) being identified as one of the most important aspects of the legislation.In 1995, the European Union adopted its Directive (95/46/EC) of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data (hereinafter, the Directive), establishing a detailed privacy regulatory structure. The Directive is specific on the requirements for the transfer of data. It sets down the principles regarding the transfer of data to third countries and states that personal data of EU nationals cannot be sent to countries that do not meet the EU “adequacy” standards with respect to privacy.In order to meet the EU “adequacy” standards, US developed a ‘Safe Harbour’ framework, according to which the US Department of Commerce would maintain a list of US companies that have self-certified to the safe harbor framework. An EU organization can ensure that it is sending information to a U.S. organization participating in the safe harbor by viewing the public list of safe harbor organizations posted on the official website.Data protection has emerged as an important reaction to the development of information technology. In India data protection is covered under the Information Technology Act, 2000 (hereinafter, the Act). The Act defines ‘data’ as, “‘data’ means a representation of information, knowledge, facts, concepts or instructions which are being prepared or have been prepared in a formalized manner, and is intended to be processed, is being processed or has been processed in a computer system or computer network, and may be in any form (including computer printouts magnetic or optical storage media, punched cards, punched tapes) or stored internally in the memory of the computer”. Protection of such data and privacy are covered under specific provisions in the Act. In the recent past, the need for data protection laws has been felt to cater to various needs. The following analyses the position of data protection law with respect to some of the needs.Data Protection Law In Respect of Information Technology Enabled Services (ITES)India started liberalizing its economy in the 1990’s and since then a huge upsurge in the IT business process outsourcing may be witnessed. Financial, educational, legal, marketing, healthcare, telecommunication, banking etc are only some of the services being outsourced into India. This upsurge of outsourcing of ITES into India in the recent past may be attributed to the large English-speaking unemployed populace, cheap labour, enterprising and hardworking nature of the people etc. Statistics have shown that the outsourcing industry is one of the biggest sources of employment. In a span of four years, the number of people working in call centers in the country supporting international industries has risen from 42,000 to 3,50,000. Exports were worth $5.2 billion in 2004-2005 and are expected to grow over 40% this fiscal year. US is currently the biggest investor in Indian ITES, taking advantage of cheap labour costs. Statistics indicate that software engineers with two-years experience in India are being paid about 1/5th of an equivalent US employee.Concerns about adequacy of lawBPO FraudsWith globalization and increasing BPO industry in India, protection of data warrants legislation. There are reasons for this. Every individual consumer of the BPO Industry would expect different levels of privacy from the employees who handle personal data. But there have been situations in the recent past where employees or systems have given away the personal information of customers to third parties without prior consent. So other countries providing BPO business to India expect the Indian government and BPO organizations to take measures for data protection. Countries with data protection law have guidelines that call for data protection law in the country with whom they are transacting.For instance, in, the European Union countries according to the latest guidelines, they will cease to part with data, which are considered the subject matter of protection to any third country unless such other country has a similar law on data protection. One of the essential features of any data protection law would be to prevent the flow of data to non-complying countries and such a provision when implemented may result in a loss of "Data Processing" business to some of the Indian companies.In the recent past, concerns have been raised both within the country as well as by customers abroad regarding the adequacy of data protection and privacy laws in the country. A few incidents have questioned the Indian data protection and privacy standards and have left the outsourcing industry embarrassed. In June 2005, ‘The Sun’ newspaper claimed that one of its journalists bought personal details including passwords, addresses and passport data from a Delhi IT worker for £4.25 each. Earlier BPO frauds in India include New York-based Citibank accounts being looted from a BPO in Pune and a call-center employee in Bangalore peddling credit card information to fraudsters who stole US$398,000 from British bank accounts.UK's Channel 4 TV station ran broadcast footage of a sting operation exposing middlemen hawking the financial data of 200,000 UK citizens. The documentary has prompted Britain's Information Commissioner's Office to examine the security of personal financial data at Indian call centers.In the absence of data protection laws, the kind of work that would be outsourced to India in the future would be limited. The effect of this can be very well seen in the health-care BPO business, which is estimated to be worth close to $45 billion. Lack of data protection laws have left Indian BPO outfits still stagnating in the lower end of the value chain, doing work like billing, insurance claims processing and of course transcription. Besides healthcare, players in the retail financial sector are also affected. Financial offshoring from banks is limited because of statutory compliance requirements and data privacy laws protecting sensitive financial information in accounts. In the Human Resource (HR) domain, there are many restrictions on sharing of personal information. In the medical domain, patient history needs to be protected. In credit card transactions, identity theft could be an issue and needs to be protected. Companies in the banking, financial services and insurance (BFSI) sector and healthcare have excluded applications/processes which use sensitive information from their portfolio for offshoring till they are comfortable about the data protection laws prevalent in the supplier country.Since there is lack of data protection laws in India, Indian BPO outfits are trying to deal with the issue by attempting to adhere to major US and European regulations. MNCs have to comply with foreign Regulations so that they don’t lose on their international partners. There are problems involved in this. Efforts by individual companies may not count for much if companies rule out India as a BPO destination in the first place in the absence of data protection law.Today, the largest portion of BPO work coming to India is low-end call centre and data processing work. If India has to exploit the full potential of the outsourcing opportunity, then we have to move up the value chain. Outsourced work in Intellectual Property Rights (IPR)-intensive areas such as clinical research, engineering design and legal research is the way ahead for Indian BPO companies. The move up the value chain cannot happen without stringent laws. Further, weak laws would act as deterrents for FDI, global business and the establishment of research and development parks in the pharmaceutical industry.Looking to the above scenario, we can say that for India to achieve heights in BPO industry stringent laws for data protection and intellectual property rights have to be made. . Thus, a law on data protection on India must address the following Constitutional issues on a "priority basis" before any statutory enactment procedure is set into motion:(1) Privacy rights of interested persons in real space and cyber space.(2) Mandates of freedom of information U/A 19 (1) (a).(3) Mandates of right to know of people at large U/A 21.Once the data protection rules are enforced in India, companies outsourcing to India are unlikely to dismantle the systems they have in place straightaway, and move data more freely to India. Hence ,the need for data protection laws would win over the confidence of international business partners; protect abuse of information; protection of privacy and personal rights of individuals would be ensured; there would be more FDI inflows, global business and the establishment of research and development parks in the pharmaceutical industry & impetus to the sector of e-Commerce at national and international levels would be provided.Data protection law in India (Present status):-Data Protection law in India is included in the Act under specific provisions. Both civil and criminal liabilities are imposed for violation of data protection.(1) Section 43 deals with penalties for damage to computer, computer system etc.(2) Section 65 deals with tampering with computer source documents.(3) Section 66 deals with hacking with computer system.(4) Section 72 deals with penalty for bsignNow of confidentiality and privacy. Call centers can be included in the definition of ‘intermediary’and a ‘network service provider’ and can be penalized under this section.These developments have put the Indian government under pressure to enact more stringent data protection laws in the country in order to protect the lucrative Indian outsourcing industry. In order to use IT as a tool for socio-economic development, employment generation and to consolidate India’s position as a major player in the IT sector,amendments to the IT Act, 2000 have been approved by the cabinet and are due to be tabled in the winter session of the Parliament.Proposed amendments:-The amendments relate to the following[22]:(i) Proposal at Sec. 43 (2) related to handling of sensitive personal data or information with reasonable security practices and procedures.(ii) Gradation of severity of computer related offences under Section 66, committed dishonestly or fraudulently and punishment thereof.(iii) Proposed additional Section 72 (2) for bsignNow of confidentiality with intent to cause injury to a subscriber.It is hoped that these amendments will strengthen the law to suffice the need.Data Protection Laws In Order To Invite ‘Data Controllers’.There has been a strong opinion that if India strengthens its data protection law, it can attract multi-national corporations to India. India can be home to such corporations than a mere supplier of services.In fact, there is an argument that the EU’s data protection law is sufficient to protect the privacy of its people and thus lack of strong protection under Indian law is not a hindrance to the outsourcing industry. To enumerate, consider a company established in EU (called the ‘data controller’) and the supplier of call center services (‘data processor’) in India. If the data processor makes any mistake in the processing of personal data or there are instances of data theft, then the data controller in the EU can be made liable for the consequences. The Indian data processor is not in control of personal data and can only process data under the instructions of the data controller. Thus if a person in EU wants to exercise rights of access and retrieve personal data, the data controller has to retrieve it from the data processor, irrespective of where the data processor is located. Thus a strong data protection law is needed not only to reinforce the image of the Indian outsourcing industry but also to invite multi-national corporations to establish their corporate offices here.Data Protection And TelemarketingIndia is faced with a new phenomenon-telemarketing. This is facilitated, to a large extent, by the widespread use of mobile telephones. Telemarketing executives, now said to be available for as low as US $70 per month, process information about individuals for direct marketing. This interrupts the peace of an individual and conduct of work. There is a violation of privacy caused by such calls who, on behalf of banks, mobile phone companies, financial institutions etc. offer various schemes. The right to privacy has been read into Article 21, Constitution of India, but this has not afforded enough protection. A PIL against several banks and mobile phone service providers is pending before the Supreme Court alleging inter alia that the right to privacy has been infringed.The EC Directive confers certain rights on the people and this includes the right to prevent processing for direct marketing. Thus, a data controller is required not to process information about individuals for direct marketing if an individual asks them not to. So individuals have the right to stop unwanted marketing offers. It would be highly beneficial that data protection law in India also includes such a right to prevent unsolicited marketing offers and protect the privacy of the people.Data Protection With Regard To Governance And PeopleThe Preamble to the Act specifies that, the IT Act 2000, inter alia, will facilitate electronic filing of documents with the Government agencies. It seeks to promote efficient delivery of Government services by means of reliable electronic records. Stringent data protection laws will thus help the Government to protect the interests of its people.Data protection law is necessary to provide protection to the privacy rights of people and to hold cyber criminals responsible for their wrongful acts. Data protection law is not about keeping personal information secret. It is about creating a trusted framework for collection, exchange and use of personal data in commercial and governmental contexts. It is to permit and facilitate the commercial and governmental use of personal data.The Data Security Council of India (DSCI) and Department of Information Technology(DIT) must also rejuvenate its efforts in this regard on the similar lines. However, the best solution can come from good legislative provisions along with suitable public and employee awareness. It is high time that we must pay attention to Data Security in India. Cyber Security in India is missing and the same requires rejuvenation. When even PMO's cyber security is compromised for many months we must at least now wake up. Data bsignNowes and cyber crimes in India cannot be reduced until we make strong cyber laws. We cannot do so by mere declaring a cat as a tiger. Cyber law of India must also be supported by sound cyber security and effective cyber forensics.Indian companies in the IT and BPO sectors handle and have access to all kinds of sensitive and personal data of individuals across the world, including their credit card details, financial information and even their medical history. These Companies store confidential data and information in electronic form and this could be vulnerable in the hands of their employees. It is often misused by unsurplous elements among them. There have been instances of security bsignNowes and data leakages in high profile Indian companies. The recent incidents of data thefts in the BPO industry have raised concerns about data privacy.There is no express legislation in India dealing with data protection. Although the Personal Data Protection Bill was introduced in Parliament in 2006, it is yet to see the light of day. The bill seems to proceed on the general framework of the European Union Data Privacy Directive, 1996. It follows a comprehensive model with the bill aiming to govern the collection, processing and distribution of personal data. It is important to note that the applicability of the bill is limited to ‘personal data’ as defined in Clause 2 of the bill.The bill applies both to government as well as private enterprises engaged in data functions. There is a provision for the appointment of, “Data Controllers”, who have general superintendence and adjudicatory jurisdiction over subjects covered by the bill. It also provides that penal sanctions may be imposed on offenders in addition to compensation for damages to victims.The stringency of data protection law, whether the prevailing law will suffice such needs, whether the proposed amendments are a welcome measure, whether India needs a separate legislation for data protection etc are questions which require an in-depth analysis of the prevailing circumstances and a comparative study with laws of other countries. There is no consensus among the experts regarding these issues. These issues are not in the purview of this write-up. But there can be no doubt about the importance of data protection law in the contemporary IT scenario and are not disputable.
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Why is it important to open a Demat account?
Demat account is like as a locker where your shares are in electronic forms. The demat account presents a simplified form by which investment's or securities can be handled even small investor in an effective manner.When it comes to the field investments it becomes extremely difficult to handle and maintain their documents in hard copy.A demat account also helps avoid problems typically associated with physical share certificates, for example, delivery failures because of signature mismatch and loss of certificate during transit. Later on, it eliminates the risks associated with forgery and due to damaged stock certificates.So the demat account is a kind of locker where you can keep your share's safely for months and year.There is AMC (Account Maintenance Charges) but it depends on broker where you open your demat account where you charge the lowest brokerage or zero brokerage on equity delivery(holdings).To open a demat account where you charge lowest brokerage Zerodha is the best broker because Zerodha provides zero brokerage on equity holdings, 0.01℅ or Rs 20 whichever is lower in equity delivery, future and options.Zerodha brokerage calculator where investor calculate the brokerage charges and taxes so that investor should be easier to trade and it's a right to know that how much they are charging.AMC(Account Maintenance Charges) is Rs 300 that will charge at the end of the financial year.Open an account online in few steps and enjoy Zero brokerage in delivery.1+ million clients. 8% of daily retail trading volumes across NSE, BSE, MCX
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What are some great tools to use for sales prospecting?
I think that we all agree that the days of manual prospecting are long gone. If you automate your prospecting efforts you can save a lot of time and money, and streamline your whole sales process. But, since there are lots of prospecting tools in the market, it can be hard to figure out which ones are good and which ones you should avoid.I’ll give you a couple of suggestions based on the tools I used.Email Hunter is a decent little program that can extract a list of every single one company email. All you need to enter is a company domain, and you will soon be able to email any person from a company. You can use either its dedicated Chrome plugin, or you can do your search by means of their browser version. This program can come in really handy if you want to find the email of a particular decision maker and get in touch with them directly.HeadsignNow is another interesting tool that offers more options than Email Hunter as it has some advanced search features. This means that you can search prospects based on various criteria such as name, company, title, or website. You can also expect to find your prospects’ social media handles and memorize your search logs.Autoklose isn’t your average prospecting tool, mainly because it offers much more. It’s actually a sales automation platform that can dramatically speed up your sales cycle, and prospecting is just one of the weapons in its arsenal. Apart from automating your prospecting efforts and saving you a tremendous amount of time, Autoklose will make your job and life easier by automating your email marketing efforts, amplifying your follow-ups, providing you with detailed campaign stats and metrics, and streamlining numerous dull, repetitive tasks that have to be done during the sales process.When it comes to prospecting, Autoklose allows you several powerful methods of filling your funnel with quality leads.Upload your own reliable contacts from .CSV files and Autoklose will import the information in the database so that you can make lists according to various parameters, and additionally segment them in order to create customized outsignNow campaigns and improve your open and click-through rates;Connect your Salesforce account and sync the data with Autoklose thus growing your internal database. What’s great about this platform is that it prevents you from sending the same email to the same person twice;Gain access to a huge B2B leads database and find prospects from virtually any industry. I was impressed with the abundance of prospects that I could actually contact. This database is managed by Autoklose’s reliable third-party providers, and it’s absolutely clean and packed with verified, complete, and updated contact information.It’s clear that Autoklose gives you a plenty of prospecting options, and the fact that you can search for your potential customers by using different parameters makes it in a way similar to HeadsignNow, but one of the main and most important differences is that Autoklose provides you with validated data which undergoes a meticulous 50-point data-scrub, meaning that every missing field is filled in, and every email, phone number, address, and job title is checked both manually and through the proprietary technology. To cut the long story short, Autoklose keeps you covered and gives your prospecting a big boost.
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What are the precise tasks a pharmacist must do when preparing a prescription for medication? It seems to take longer than it sh
Ooof! Let’s see if I can articulate this process.Step 1. Let’s call this “receiving the prescription.” This can be via electronic means, by telephone or a piece of paper. First, I have to determine if the prescription is a legitimate one. Did it originate with a valid prescriber or their authorized agent? ( I do a quick bit of mental math to verify that the DEA number of the prescriber is legitimate.)Does the prescription meet the legal requirements for a valid order in my state? In Oregon, this means the name & birthdate of the patient, the date the prescription was written, the drug name & amount to be dispensed, directions for use (“the sig”) and number of refills authorized, plus the signature of the authorized prescriber. Can I read the darn thing? It’s amazing to me that a society as technically advanced as ours permits atrocious handwriting on a scrap of paper as the basis for a prescription. I once filled a prescription written on a potato.If the prescription is for a controlled substance, we have to have the address & phone number of the patient & prescriber. If these elements are not present, prescriptions for controlled substances have to be taken back to the author to have changes made.2. Getting to know the patient. I can’t speak for all pharmacies here, but at this point, I like to know a bit about the person I’m giving medication to, if I don’t know you already. I’ll ask about allergies & reactions, known medical conditions & additional meds you may already be on. I’m also eyeballing you as we speak, getting some basic knowledge such as sex, approximate age & physical condition. If the prescription seems “off” to me or I think there may be an attempt to obtain controlled substances illegally, I’m going to be asking a lot more questions & assessing whether or not you are going to present a threat to me & my staff.3. Establishing how this prescription is going to be paid for. If you haven’t been to my pharmacy before & I don’t have your current insurance information on file, I will ask for proof of insurance. If you are paying cash or have a discount coupon, this is the time to let me know.4. Entering the patient information & prescription into our computer system. Some people are surprised to find that not all pharmacies & doctor’s offices are electronically linked together. Everyone has different software & information sharing is difficult, due to privacy concerns.5. Drug product selection. Also known as going to find stuff on the shelves. Some pharmacies have wonderful inventory systems that uses a flashing light to indicate where the correct drug is located. Most just have to physically locate the drug on the shelves somewhere in the pharmacy. That accounts for the warren of shelves that we seem to disappear into when looking for your medicine. Yes, we do take the opportunity when we are out of sight for a quick scratch.6. This is the part I call “counting, pouring, licking & sticking.” Verifying that the product selected matches the original prescription. Locating the appropriate dispensing container (this is regulated by law, believe it or not.) Physically counting out the medication & sometimes having a second person count it again. There are also dispensing robots that do this part in some pharmacies. Affixing the prescription label (& again assuring that all the information it contains meets the legal requirements of a prescription in your area of practice. ) This is also the point where controlled substances have to be inventoried dose by dose & the remainder returned to the safe, usually under the watchful gaze of a security camera.)7. Matching up the prescription, the medication guide & the receipt. Check receipt to make sure the appropriate insurance claim was submitted. Check co-pay; if it seems high or inappropriate, you have to break the news to the patient diplomatically. Checking that all prescriptions ordered by the patient for this dispensing are present.8. Calling the patient to pick up their order. Offer mandatory counseling & document the performance of counseling or patient refusal. Verify ID if dispensing a controlled substance. Confirm copay & insurance. If patient thinks insurance claim is not correct, attempt to call insurance company on their behalf. Be forced thru a phone tree that would try the patience of Job. Be informed by representative that the patient themselves needs to contact the insurer & that nothing can be done at point of sale. Put on lead suit & convey that information to the patient as diplomatically as possible. Listen patiently to verbal abuse, threats to call your manager & demands for gift cards as compensation for having to wait. While all this is going on, the phone is ringing, the fax is spitting papers on the floor & an elderly, hard-of-hearing person is asking my opinion of the various supplements available for sale.Easy peasy, lemon squeezy…..Nothing to it! How long does it take to count out a few pills & slap a label on?
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What is the technologically most advanced fighter jet at the moment?
I may be a bit biased, but even without my bias the answer is pretty clear: The F-35 Lightning II is the most technologically advanced today.The F-35 has a whole list of sensors in its suite, paired with very powerful computers with 8 million lines of code (4x the amount of an F-22) that process 400 billion operations per second.[1] But what are those sensors?1) Distributed Aperture System(DAS) AN/AAQ-37 is 6 Electro-Optical sensors that watch a total 570 degrees, overlapping to provide safe 360 degree observation, they are positioned such that no part of the aircraft masks it’s 360 view. DAS provides automatic missile and aircraft detection, tracking & warning and integrates imagery to the HMD. Each aperture is interlinked to the ICP which runs the software algorithms that generates geo-registered threat reports and imagery which is then forward to either the HMD or Cockpit Display. DAS detects moving targets and has detected ballistic missile launches at 1,300km and detected tanks firing, the processing power of the ICP allows DAS to simultaneously track thousands of objects.2) Gen III Helmet Mounted Display System(HMDS),All the information pilots need to complete their missions – airspeed, heading, altitude, targeting information and warnings – is projected on the helmet’s visor, rather than on a traditional Heads-up Display. Additionally, the F-35’s Distributed Aperture System (DAS) streams real-time imagery from six infrared cameras mounted around the aircraft to the helmet at near 20/20 vision acuity, allowing pilots to “look through” the airframe, a small strip at the bottom provides a 360 view, a compass/mini-map in the lower right corner and indicates the direction the pilot is looking. The helmet also provides pilots night vision through the use of an integrated camera, which because it’s FLIR isn’t as sensitive to bright lights. This helmet gives the pilot exceptional Situational Awareness which is the primary driver for engagement outcomes 80% of the time. Due to the precision required, padding inside the HMD is specifically molded to each pilots head shape. Current contracts have the price of the helmet at 301k which is slightly more than JHMCs. The HMD and DAS also par very well with the new generation High Off Bore missiles that can be targeted and launched at aircraft up to 90 degrees off bore and the Lock On After Launch feature will provide 360 degree missile engagement envelope.Side Note: The Cockpit also features several advances, assembled by a team with 150 years of tactical aviation experience, it is dominated by two joint 10 inch by 8 inch Panoramic Cockpit Displays(PCD) with touch integration and extensive voice activation functionality, each PCD has an independent computer and can be subdivided into different modes. A few buttons do remain such as landing gear, electrical reset and engine on/off which work regardless of software. F-16/18/35cockpits and a Norwegian comparison.3) Electro-Optical Targeting System (EOTS) AN/AAQ-40, a combined FLIR and infrared search and track, it features laser designation, laser spot tracker for cooperative engagements, air-to-air and air-to-ground tracking FLIR, wide area IRST and generation of geo-coordinates to support GPS-guided weapons. It will initially be able to share still images to troops, a Common Data Link(CDL) will allow the Video feed generated to be sent to ground troops over a Rover Network, they could even control where the camera is pointed and indicate to the Pilot where they want targeted, this functionality is planned for Block 4. There are other programsaimed at furthering this interaction between ground troops and CAS. The EOTS has a long range, able to discern windows apart in a Hotel 50 miles away.4) AESA/APG-81 Radar, this radar is exceptional with an Active Electronically Steered Array(AESA) of 1,676 T/R modules and can do vastly more than old Passive Electronically Steered Array(PESA) radars, especially with it’s integration to the ICP. It can track more aircraft, create high def SAR maps and then automatically identify targets(ATR), use inverse SAR to detect and identify maritime objects, use passive bistatic detection methods, can jam radars in combination with ASQ-239, can be used in LPI/LPD mode where it scans at different frequencies and power rapidly to avoid detection or it can use “closed-loop tracking” where after detecting an aircraft it will only use the minimal power to keep track of the aircraft, it can use Non Cooperative Target Recognition to “Map” out aircraft to identify them or analyze their thrust signature. The F-35 also has color-weather radar for navigating thunderstorms, squall lines, and fronts and is a first for fighters. The APG-81 won the David Packard award for it’s resistance to jamming. Here’s a simulation video.5) AN/ASQ-239 “Barracuda”. While most aircraft carry crutch Electronic Warfare(EW) systems, the F-35’s was designed from the outset for integration, able to operate not just with other components within the aircraft such as the APG-81, it can operate with other F-35’s over MADL to perform EW operations together. The AN/ASQ-239 is an evolution of the F-22’s AN/ALR-94 which is described as the most complex and costly avionics piece on the F-22, the Barracuda has twice the reliability and is a quarter the cost of the ALR-94, as well as being able to reduce the 30 sensors on the F-22 to 10 sensors, it has demonstrated the ability to detect and jam the F-22’s radar. It’s able to precisely geo-locate emission locations hundreds of kilometers away, further then it’s radar can see and from there the APG-81 can be slaved to that data track and then detect and track the object with a very narrow beam, increasing power and detection on target while decreasing detection by other aircraft. At close range or against targets using Jammers it is capable of narrowband interleaved search and track(NBILST) against aircraft which provides precise range and velocity that can then be used by a missile without need of the APG-81, allowing 360 degree targeting of aircraft. The Barracuda can refer to it’s data-banks of known emissions and identify the source vehicle or store it for future classification. Other features are false target generation and range-gate stealing, offensive EW is possible, a towed RF decoy is also a part of the package as is MJU-68/B Flares, the counter measure dispenser’s can be seen from behind. The F-35 will also feature “cyber attack” capability.6) The Communications, Navigation and Information(CNI) system. The CNI uses Software-defined radio (SDR) technology, SDR uses reconfigurable RF hardware and computer processors to run software that produces a desired waveform, the CNI can manage over 27 different wave-forms. One of the new wave-forms is the MultiFunction Advanced Data Link(MADL) developed for the F-35 which has a very high data(video streaming etc) transfer rate and is very hard to intercept or jam, giving the aircraft “stealth” communications, it also acts in a Daisy Chain fashion to operate over wide areas with numerous nodes(other F-35s). The F-35 will have LPI/LPD Link-16 capability as well. With it’s full suite of communications It can give information to another aircraft enhancing their situational awareness, this allows an F-35 that has expended it’s munitions to continue to act as an AWACS, furthering network centric warfare. If an F-35 see’s a ballistic missile it can give that information to a naval vessel who can send an SM-6 after it with the F-35’s targeting data, extending the range of AEGIS, or it can provide geo-coordinate data on a vehicle somewhere and guide in artillery GPS shells/rockets or missiles(tomahawks) etc. With the AESA radar the communications system can send or receive very large amounts of data very quickly.7) Integrated Core Processor(ICP), Blocks and Code. At the core of the F-35 is the Computer systems, this is where all the information that every system gathers comes together and is fused then presented to the pilot. This computer system is designed to be very easy to upgrade and up to date, the power system was also designed to handle future loads as well as the use of fibre optics for high data transfer rates. The Code for the F-35 comprises 8.1 million lines, Block 1 had 76% of the code, Block 2 had an additional 6% that enabled basic avionic and weapon functionality, Block 2B is ongoing with version 2BR5, only data clean up is left and the USMC intends to declare IOC with Block 2. Block 3i will be next which the Air Force will go to IOC with, afterwards Block 3F will follow, the USN requires Block 3F for IOC. 98% of that coding is developed and in the labs, and 89% is currently flying. The estimated delay on Block 3F is 4-6 months without making changes but is within the buffer and will be ready for USN IOC. The F-35 also has very strong cryptographic security, only the US has the ability to modify the source code, but aircraft owners will be able to change geographic data.8) Autonomic Logistics Information System(ALIS) and Maintenance, ALIS receives Health Reporting information while the F-35 is still in flight, the system, with 5 million lines of code, enables the pre-positioning of parts and qualified maintainers on the ground, so that when the aircraft lands, downtime is minimized and efficiency is increased. This system is the most delayed part of the JSF program and is encountering signNow software issuesbut has a strong potential to enable much higher sortie rates and reduced ground maintenance requirements. The F-35 has complex health management system’s throughout the aircraft and engine. The F-35 also has closed-loop Electro-Hydrostatic Actuators that require no maintenance for their entire lifetime, this feature also has the benefit of avoiding the need for manual reversion after suffering damage. The F-35 has a200hp gas turbine engine for starting the main engine, for environmental controls and emergency power if the engine were to fail.9) Stealth, reportedly at 0.006m² to 0.001m² RCS or -30 dBsm(from 2005, newer comments state it’s smaller then an F-22), it has a vastly reduced detection range, what this does is reduce the enemy’s reaction times, allows the F-35 to operate outside of a targets engagement range and enables it to “first look, first shot, first kill” which sets the initiative of the fight in the F-35s favour. An F/A-18E/F has about 0.5m² RCS, if it was detected at 100nm the F-35 would be detected at 25nm. Stealth increases the effectiveness of Jamming. The F-35’s stealth is also much more maintenance friendly than previous aircraft, notably with the stealth coating cured into the skin. Another aspect of Stealth is the Thermal Signature, the F-35 incorporates lessons from the LOAN program for reduced engine RCS & thermals as well as advanced air bleeding and using the fuel as a heat sink.Note, this is taken from here[2]. Id love to write a book about how advanced the F-35 is on a quora question, but Id rather just use the work other people have already done.Footnotes[1] https://www.f35.com/about/capabi...[2] Comprehensive Information
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When the majority of people are doubting EVMs, why is the government not banning it? Isn't it against democracy? Even the USA, G
While completely agreeing with Subhayan Purkayastha, I would like to add few more points.Note: I have no idea about the EVMs and Election Processes of USA, Germany and Netherlands. But, I can tell about India.I discharged my duties as a Presiding Officer (PO) for a polling booth in 2014 General Elections. Area within 100m radius surrounding the polling booth will be under my control. Hence, I can definitely say that the Election process is very transparent. Below are some points to be noted.EVMs are handed over to the presiding officer only on the day prior to the elections.We have to check if there are any faults in the EVM report then and there itself to the higher authorities.Allotment of EVMs is also done very transparently. Nobody knows which EVM gets allotted to which Polling Station/Booth. They are randomly allotted by computer in the presence of all party leaders and representatives.Generally we will be arriving to the polling station in the evening/night on vehicles which are provided by Election Commission.Supporting staff (Assistant Presiding Officer and other polling officers) along with security personnel (Police, CRPF or Army depending upon the sensitivity of the area) come from different departments and belong to different cadres. So, if you need to hack an EVM, you need to manage many people. It's not that easy. Not all are corrupt.No polling officer gets posted in his/her home station. Election Commission collects all our personal data before assigning to a particular polling station.Let us assume that someone is successful in managing and convincing all the polling staff and had hacked EVM in the night. Then, on the next morning (i.e. on polling day), nearly 45–60 min prior to the actual commencement of polling, EVMs are again tested (mock polling is done) in the presence of representatives of all the political parties and security personnel. Each representative polls some known number of votes to their respective parties. Number of votes polled for each party and the total no. of votes had to tally. If any of the party representatives feels that there is something wrong with the EVM then it had to be reported and changed immediately. And again, the same process is repeated.Note: Mock Polling is mandatory before the commencement of actual polling. If Mock Polling is not held, then the actual polling becomes void and re-polling will be done in that particular booth. Polling staff will be suspended for not conducting mock polling.Who are these representatives? Every political party keeps a person/party worker as a representative to almost every polling station. They observe the election process. They count the number of votes polled manually and it is their responsibility to identify voter.Total number of votes polled will be crossed checked with political party representatives every hour or 2 hours and also at the end of the day.An EVM basically consists of two units. One is Control Unit (CU) and the other one is Ballot Unit (BU). Control Unit is controlled by the PO and Ballot Unit is where people go and vote by pressing button of their choice. CU has a button which controls the BU. BU gets unlocked only when that particular button on the CU is pressed. After taking input from the voter i.e. after the voter presses the button of his choice, the BU gets automatically locked. The PO had to press the button and unlock the BU for each and every vote.Once the election code comes into force, Administrative Officers viz District Collectors, RDOs etc. are supreme commanders. They are above anybody. They don’t need to give a damn to PM or CM, forget MLAs. Election is the only time when they can act at their will with full freedom. They don’t surrender their freedom to political leaders for petty gains.There are many other rules which I don’t recollect now, but have to be followed compulsorily.So, I conclude that polling process is extremely transparent. If not, “then only one party remains in power forever”. But that’s not happening. Which means there are two possibilities.1) EVMs are functioning well.2) All the political parties made a secret deal of sharing power among themselves and are switching their roles (as ruling party and opposition party) at regular intervals to avoid suspicion.And the above two possibilities are inversely proportional, which means, if 2nd is false then first is true and if 1st is false then 2nd is true.Thanks for reading.Footnotes:Please go through the following videos for more information about the election process.1) A Good Presiding Officer2) Election Commission Training Film For Peethaseen Adhikari in Hindi3) EVM TRAINING FILM
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