text:
"We", "Us" or "Our" mean Interpay Limited trading as Transfermate and Transfermate Ltd trading as Transfermate Inc.
"Booking Reference" means the reference number specific to your payment which We will give you, which will enable both you and Us to identify your payment.
"Business day" means the day We are open for business for the purposes of executing payment transactions.
"Cut-off time" means the time in which the payment needs to be received by Us.
"Framework contract" means a payment service contract which governs the future execution of single and successive payment transactions".
"Funding Account" means the account in which you nominate to fund your Electronic Funds Transfer to the Transfermate Client Fund Holding Account.
"Market Orders" means an open position you take where you wish to exchange currency at. You notify Our team and We will place the order on the market for you. Once that exchange rate hits, your order is secured.
"Payment instrument" is the set of procedures agreed between you and Us, used to initiate the payment order.
"Receiver/Intermediary Bank Fees" - these are fees the receiving bank or an intermediary may charge their client to receive your payment. We will always send the full payment amount for each transaction. Where both the payer and the payee's Payment Service Provider are located within the European Economic Area (EEA); and the transaction is in Euros, Sterling or another EEA-state currency, the transaction is likely to come under Regulations 50(2) and 68 of the Payment Services Regulations and We would not normally expect there to be any deductions. If your payment is outside this area, please discuss these fees with your beneficiary and your client relationship manager. We cannot, under any circumstances, be liable for any direct or indirect losses that result from Receiver/Intermediary Bank Fees.
"Settlement Date" means the date upon which you must lodge the funds into the nominated Transfermate Client Fund Holding Account.
"Transaction Service" means the services provided by the Transfermate telephone service and your Transfermate online account.
"Transfermate Client Fund Holding Account" means Our nominated bank account which your account manager will ask you to lodge your funds to.
"User" means the individual or company conducting the payment transaction.2. Introduction
These Terms and Conditions, issued in May 2018, apply to where you ask Us to perform and We agree to perform a foreign exchange transaction on your behalf to an account nominated by you. They govern the opening, use and closure of Transaction Service. Together with Our Privacy Policy and Our Anti-Money Laundering Policy, they constitute the legal relationship between you and Us. For the use of additional services you will have to accept additional Terms and Conditions as advised when you are ordering or using such services.
The Terms and Conditions set forth herein shall apply to your access and use of the Transaction Services and all accounts, services, programs, information and products that you may use, open or otherwise access from time to time on or through Our website or use of Our Transaction Services. You are advised to print or download and keep a copy of these Terms and Conditions for future reference.
We may modify these Terms and Conditions at any time and such modification will be effective two months after posting of the modified agreement on this website. You agree to review these Terms and Conditions periodically to ensure you will be aware of any such modifications, and your continued use or access to Our website and/or the Transaction Service shall be deemed as your acceptance of the modified Agreement.3. About Us
3.1 Our Registered Office is IDA Business & Technology Park, Ring Road, Kilkenny, Republic of Ireland. We are registered in the Republic of Ireland and Our Company Registration number is E0368136. We are regulated by the Central Bank of Ireland ('Central Bank'). Our regulatory reference number is C42802. We also trade as, International Student Payment Services, Travel to Work and Visafirst and PaytoStudy. We are a licenced Payment Institution authorised by the Central Bank and have passported Our services around Europe. We also hold licences in additional jurisdictions, such as United States of America, Canada, Australia and New Zealand, further details of which can be found on Our website, www.transfermate.com.
3.2 Access to the Transaction Services are restricted to approved and registered Users.
3.3 As set out above, by accessing Our Transaction Services, you will be deemed to have accepted these terms in full.
3.4 We grant you a limited license to access the Transaction Service which is in accordance with these terms4. Basic Description of the Payment Service
4.1 We provide money remittance services for payments with a foreign exchange element.
4.2 We may provide Our Transaction Services to you if you wish to make a payment and/or require an exchange of currency or to purchase goods or services.
4.3 You must complete the process of opening an account online and/or through Our telephone service, and comply with Our mandatory anti-money laundering requirements and read and accept Our Terms and Conditions set forth herein (hereinafter the "Account Opening Process"), in advance of using Our Transaction Service.
4.4 After the Account Opening Process has been completed you may book an exchange rate with Us by using Our telephone service, email or through Our website to buy a specified amount of foreign currency from Us, providing your nominated Funding Account and providing full beneficiary details. You will then lodge and settle the agreed amount to Our nominated Transfermate Client Funds Holding Account with the Booking Reference within 3 days (known as the "Settlement Date").
4.5 You are solely responsible for ensuring that all details you provide are correct. If you do not provide the correct details there will be a delay in the beneficiary receiving payment. We will do everything We reasonably can to rectify any errors, but We will not be liable for any loss or damage caused by error or inaccuracies in your requests. We shall not be liable for any loss, damage, cost or expense suffered by you or any party as a result of any such delay or failure in processing such request.
4.6 With a view to the above, your attention is drawn to the fact that all telephone calls with Our customers are recorded to protect both your and Our interests in the event of a dispute.
4.7 We may refuse to accept any order without giving any reason. We will have no liability to you as a result of doing so.
4.8 Upon full receipt and recognition of the funds We will exchange the funds and process the payment by the next Cut-off time (currently 1pm GMT).
4.9 A receipt/booking confirmation will be issued to your nominated email address. If you do not receive a receipt/booking confirmation or have changed your email address you are required to notify Us immediately.
4.10 The time of receipt of funds shall be deemed to be the later of receipt by Us of the funds due in cleared funds and where so agreed between Us and you, the agreed date for execution of the payment to be made pursuant to a request. Since the commencement of the Single Euro Payments Area ('SEPA'), unless otherwise agreed in writing between Us and you, We will deliver electronic funds transfer payment(s) requested by you as follows:
4.11 With a view to the above, please note that We do not have any access to your nominated Funding Account and cannot unilaterally debit funds from your account. You must initiate the transfer with your bank to the nominated Transfermate Client Funds Holding Account to effect a payment.5. Information, Instructions and Execution of a Payment
5.1 Upon completion of Our Account Opening Process you can make a request to book an exchange rate by using Our Transaction Services.
5.2 Any reference to instructions or User instructions includes, without limitation, letter, email, telephone or fax instructions, information, requests or orders. Not in limitation to the foregoing, We may act on instruction from, or purporting to be from, you, until We have received prior written notice to the contrary and a reasonable opportunity to act on such notice.
5.3 You accept and acknowledge that We cannot and do not provide any investment advice, including without limitation, on the merits of any particular order and its likely implications, or on any investment product. You must make any decision to buy or sell currency, to enter into any contract or receive any other service from Us based solely on your own judgment.
5.4 We are entitled to verify the identity of the Users as per Our Anti-Money Laundering Policy and Our Account Opening Process. We may defer acting upon any instructions, until We are satisfied as to the matters on which We have sought clarification and verification.
5.5 When initiating a payment order you can also agree with Us that the execution of the payment order shall start on a specific date. In such cases, point in time of receipt is deemed to be the agreed date.
5.6 Where you proceed and instruct Us to effect a payment transaction you shall be obliged to provide sufficient information in order to ensure that the payment transaction is effected properly. We may request the following information:
5.6.1 Names, numbers and particulars of the account holders;
5.6.2 The amount to be transferred and the currency of the transaction;
5.6.3 The reason for making the payment transaction.
If the details provided by you are incorrect, We will not be liable for non-execution or defective execution of the payment transaction.
5.7 The point in time of receipt of a payment order shall be the time when the payment order is received by Us. If it is not a business day or if it is a Bank Holiday or a Public Holiday or if it is received after Cut-off time, the payment order shall be deemed to have been received on the following business day.
5.8 Immediately after execution of the payment order, We will provide you with the following:
5.8.1 The Booking Reference enabling you to identify the payment transaction;
5.8.2 The date of receipt of the payment order;
5.8.3 A breakdown of the charges payable by you;
5.8.4 The exchange rate used and the amount of the payment transaction after the conversion of the currency;
5.9 Additional and further information may be given by Us but same may be subject to an additional charge.
5.10 The funds received to be credited to an account will be credited by Us on the working day on which the funds are received by the Transfermate Client Fund Holding Account. When the funds are received after Cut-off time or on a day which is not a business day, the account will be credited on the next working day. The amount credited to the intended recipient of funds will be net of fees, charges, commissions and any interest due.6. Liability for Payment Transactions
6.1 You are solely responsible for ensuring that all details you provide are correct. If you do not provide the correct details there will be a delay in the beneficiary receiving payment. We will do everything We reasonably can to rectify any errors, but We will not be liable for any loss or damage caused by error or inaccuracies in your requests. We shall not be liable for any loss, damage, cost or expense suffered by you or any party as a result of any such delay or failure in processing such request. We shall inform you on the next working day as to the reason/s why the payment transaction was not effected. We shall proceed to effect the payment transaction once the missing information is provided by you, or when the impediment preventing execution is removed. The date of receipt shall be the date when We can actually process the payment transaction.
6.2 Upon you becoming aware of any unauthorized or incorrectly executed payment transaction, you must notify Us of any unauthorized or defective payment transactions without delay. Where We establish that the payment transaction was unauthorized or erroneously effected by Us, We shall proceed to refund to you, the amount of the unauthorized or erroneous payment transaction plus any charges thereon.
6.3 If you are located within the State of Washington, you are entitled to a refund of all moneys received for transmittal within ten (10) days of receipt of a written request for a refund unless:
6.4 We will not be liable in instances of non-execution of payment transaction due to abnormal and unforeseeable circumstances beyond Our control or where We are bound by other legal obligations covered by the domestic or EU Legislation.
6.5 Direct Debit ('DD') and Automated Clearing House ('ACH') Payments
6.5.1 Where you have arranged DD/ACH payments and funds from a DD/ACH do not reach Our account due to insufficient funds or for any other reason, you must then complete a wire transfer to Us so that funds are not delayed reaching Our account.
6.5.2 We reserve the right to revoke the option of DD/ACH payments where your DD/ACH payment bounces three (3) times.7. Information about Charges, Interest and Exchange rates
7.1 We have a minimum transfer value of €1,000.
7.2 Corporate transfers
7.2.1 Corporate clients transferring over USD/GBP/EUR 5,000.00 attract no transfer fee.
7.2.2 Transfers under 5,000 USD/GBP/EUR a fee of 5 USD/GBP/EUR applies.
7.2.3 Occasional Transfer under 1,000 USD/GBP/EUR may be completed at Our discretion. A fee of 15 USD/GBP/EUR applies. If We believe that these transfers are no longer occasional a separate agreement on fees must be made.
7.2.4 If We agree in exceptional circumstances to complete same currency transfers a fee will be applied. The standard fees are:
7.2.5. Where the transfer is to a bank that is not meeting SEPA requirements, We will charge a fee of 10 USD/GBP/EUR where foreign exchange occurs. In line with 7.2.4, where We agree to complete same currency transfers to a bank that is not meeting SEPA requirements, an additional fee will be applied.
7.3 Individual Transfers
7.3.1 We charge individuals transfer fees based on the method of payment you choose, as follows:
7.4 We use electronic fund transfers, however, where a client transfers funds to Us via a method of payment other than electronic funds transfer and We incur a charge from the bank, We reserve the right to pass this fee on to the client.
7.5 We do not charge or provide interest to either corporate or individual clients.
7.6 The exchange rate changes every 3 seconds and will be the rate agreed between you and Us.
7.7 The above information is for general guidance only and is not the most up to date figures. For full details of charges, expenses and exchange rates please visit Our website, www.transfermate.com, or telephone Us on Our contact details found on Our website.
7.8 We are not responsible for loss incurred due to the application of Receiver/intermediary bank fees.8. Compliance with Anti-Money Laundering and Exchange Controls Regulations
8.1 You undertake that you will observe all Anti-Money Laundering and Exchange Control laws and regulations in relation to any request and will use all reasonable endeavours to assist Us to do likewise. In particular, you warrant that the information given in the application and in the request is accurate and that the transfer of said funds will not constituent a breach of any Anti-Money Laundering and Exchange Control Laws and regulations.
8.2 Some legal or regulatory authorities may require additional information, either in respect of organization or particular transactions. You agree to supply all such information, which any legal or regulatory authority may require and/or which We may be required to supply at any time in relation to you and/or any request.
8.3 If you breach any such laws or regulations you thereby irrevocably agree that We may retain any moneys or funds transmitted to Us pursuant to these Conditions and/or not fulfil any request if We are required to do so by any legal or regulatory authorities and such moneys shall not bear interest against Us.
8.4 In addition to requesting documentation from you, We will complete additional checks to verify your identity, these additional checks include but are not limited to, credit reference checks, sanctions check, news checks and checks of other available registers. By applying to use Our Transaction Services you consent to Us using any additional checks We deem appropriate.9. Communications
9.1 You will communicate with Us either through Our website, for example via live chat, Our telephone service, by email, or Skype.
9.2 We will communicate with you by email, telephone or Skype.
9.3 These terms and conditions are available on Our website for download in PDF or Word Format. If requested by you, We will email or post Terms and Conditions to you. Prior to you using Our Transaction Service, you will be be required to confirm you have read, accepted and understand you are legally bound by said Terms and Conditions when using the Transaction Service. The language of the Terms and Conditions will be in English only and there are no translated versions available.
9.4 All telephone calls with you are recorded to protect both your and Our own interests in the event of a dispute. The telephone recordings will, once a transcript is furnished to you following prior request, be accepted as evidence of the instructions or communications recorded. All such recordings may be used as evidence in any dispute, action, proceedings involving the use by you of Our service.
9.5 You may provide the Booking Reference for your transaction to your beneficiary. By providing the Booking Reference you hereby provide us with your consent to release information regarding the status of this payment to the holder of the Booking Reference and you hereby agree to hold us harmless for any damage or loss suffered by you resulting from the beneficiary's enquiries. We represent and warrant that we will exercise ordinary care in releasing this information.10. Safeguards and Corrective Measures
10.1 Each User's registration is for that single User only. We do not permit the registered User to share and the registered User agrees not to share their username and password with any other person or with multiple users on a network.
10.1.1 For corporate clients, where you appoint an individual to make transactions on your behalf on your account with your User details ('Authorised Contact'), you must ensure the Authorised Contact is trustworthy and will fulfil the security responsibilities that they are given.
10.2 Upon opening an online account, you will be required to select a username and a password. The password must contain at least 8 characters and must contain both letters and numbers. Passwords are case sensitive.
10.3 Upon logging into your online account, the username and the corresponding password will be requested, access will be granted to you and We will not be required to take any further steps to verify that the person accessing the online account is the correct User or that the person accessing the online account is authorised to perform roles assigned by the administrator. By accepting these terms you are confirming that you have all necessary authority to use the online service.
10.4 If you forget your password, you must contact Us and upon satisfactory completion of verification procedures We will issue a new password via email.
10.5 You have a responsibility to exercise reasonable care to prevent unauthorised access to the computer that you use to access the online service.
10.6 In order to protect the security of your online account you must:
10.6.1 Never give the username and/or password to anyone else.
10.6.2 Change the password regularly.
10.6.3 Be vigilant and watch out for fraudulent (or 'phishing') e-mails that claim to be from Us that ask for personal information or security details. Avoid sending personal details or accounts or passwords in an email. If you suspect a phishing attack, you must immediately call Us or alternatively forward the suspect e-mail to Us.
10.7 Keeping safe online:
10.7.1 Please ensure you periodically review your security arrangements.
10.7.2 Never disclose your password/PIN to anyone (unless they are an Authorised Contact).
10.7.3 Never log into your online account on a device that does not have an up-to-date anti-virus software or a firewall.
10.7.4 We will never call or email you and ask you to change the beneficiary bank details of a payment, or ask you to reveal full security details, i.e., your password and/or PIN. Additionally, take extra caution when opening unexpected emails and do not download any attachments unless you are confident they are safe.
10.7.5 If you do not comply with security obligations, you may be liable for unauthorised payments from your account(s).
10.8 If you do suspect your passwords or User details have become known to an unauthorized User, or have been lost or mislaid or otherwise, you must contact Us immediately, or you will be liable for some or all of the losses resulting from the unauthorized transactions or your accounts. We will not refund any suspicious/fraudulent payments that have been authorised by Users.
10.9 You represent and warrant that you have implemented and plan to operate and maintain appropriate protection in relation to the security and control of computer viruses, or other similar harmful devices, and will not transmit to in any way whether directly or indirectly or expose Our website or Transaction Service to any harmful material or device.
10.10 You represent and warrant that you will maintain a firewall on your computer to protect it from unauthorised access.
10.11 Online transactions are subject to a minimum and maximum transaction value determined by Us, and We reserve the right to request further information before accepting any transaction.
10.12 In the case of orders processed by telephone, We record calls and your consent to this as a condition of doing business with Us.
10.13 Our fees are calculated as outlined on Our website and you authorise Us to deduct Our fees for the Transaction Service in accordance with the receipt issued after each transaction is completed.11. Privacy Policy and Data Protection Regulation ((EU) 2016/679) ("GDPR"),
11.1 We collect and retain information about you that We believe is necessary in accordance with Our Privacy Policy and in compliance with the EU General Data Protection Regulation ((EU) 2016/679) ("GDPR"), to help administer business between Us and you and to keep you updated on improvements to Our services and products and to provide you with other relevant information. We collect two types of information:
11.2 Personal information is collected to meet both internal and external compliance requirements, and to enable Us to open a foreign exchange account for you and to be in a position to commence business. Traffic pattern information is used to monitor pages accessed or visited and enables Us to better meet the requirements and needs of Our clients. Transactional information reflects the business you enter into with Us and provides a historical record of business activity which is necessary as a means of monitoring and mitigating money laundering and terrorist financing and also enabling Us to keep up to date with Our client's foreign exchange needs.
11.3 You accept that your information may be shared between Our associated companies and third parties for the provision of foreign exchange services.
11.4 We do not sell, publish or freely give away personal or transactional information. Your personal information is treated strictly in accordance with the governing law and in particular to comply with the requirements of the EU General Data Protection Regulation ((EU) 2016/679) ("GDPR") and regulations made thereunder.
11.5 We are bound to abide by Anti-Money Laundering legislation and will deal with such activity as outlined in Our Anti-Money Laundering Policy and will assist all statutory authorities in investigations of suspicious activity.12. Service Access
12.1 While We endeavour to ensure that Our website is normally available 24 hours a day and Or telephone service is available during usual trading hours or such hours as displayed on Our website, We will not be liable if for any reason Our website is unavailable at any given time or the telephone lines are interrupted. We agree to use reasonable efforts to give advanced notice of any scheduled interruption.
12.2 We are dependent on other external suppliers of services (i.e., web hosting, hardware supply and support, remote back-up and disk mirroring, telephone lines). In providing Our Transaction Service to you, you recognize that We can only rely on those suppliers pursuant to their individual terms and conditions and respective service level agreements. We will not be responsible for any loss of any nature caused to you as a result of difficulties with any of Our suppliers.13. Risks, Cancellation Policy and Telephone Contracts
13.1 You agree to use the Transaction Service at your own risk.
13.2 We recommend that you seek prior independent financial advice and consider carefully whether entering into specific foreign exchange transactions is appropriate in terms of your experience, financial objectives, needs and circumstances.
13.3 The foreign exchange services contained within the Transaction Service require physical delivery of funds to the nominated Transfermate Client Funds Holding Account and accordingly it is suitable only if you are able to deliver, on the Settlement Date, the currency you have agreed to buy from Us. In the event that you are unable to fully settle the payment order at the rate you have booked by delivering the amount sold by Us, then We will close out the payment order at its then prevailing market rates. Any loss or costs incurred by Us will be met in full by you in accordance with the Terms and Conditions set forth herein. Late settlement may incur penalty interest at a compound rate of 20% per annum, calculated daily and payable as a penalty on the date payment is made.
13.4 There are risks associated with utilising the Transaction Service including, but not limited to, the failure of hardware, software, and internet connections.
13.5 The foreign exchange transactions undertaken by you, using the Transaction Service, are pursuant to an individual contract made between you and Us, and is not transferable, negotiable or assignable to or with any third party.
13.6 We will accept Market Orders between the hours as stipulated on Our website. You may make changes to any Market Order (to buy or sell currency at a predetermined level) prior to the Market Order being executed. You are entitled to make changes to a Market Order within the above stated hours provided the Market Order has not been executed. Upon any Market Order being entered into by you, with Us, confirmation of the Market Order will be sent to you. Once a Market Order has been executed by Us a booking confirmation will be sent to you. Market Orders are only ever accepted from you on a best endeavours basis.
13.7 Upon you selecting the 'Accept' button on Our website for a foreign exchange transaction, a legally binding contract is formed between you and Us. In the event of your having selected 'Accept' in error you must contact Us immediately requesting the contract to be cancelled and any loss arising on such cancellation will be charged to you and payable by you.
13.8 In the case of telephone orders, calls are recorded and orders placed by telephone are legally binding agreements governed by the Terms and Conditions set forth herein. You accept these Terms and Conditions as legally binding as part of the Account Opening Process where a legally binding contract is formed between you and Us governing the use of the Transaction Service, which must be honoured. This means an agreement on a rate contract over the telephone is a valid contractual agreement and is subject to the Terms and Conditions set forth herein.14. Intellectual Property and Limited License
14.1 You are permitted to print and download extracts from the website regarding Transaction Service for your own use on the following basis:
14.1.1 No documents or related graphics on the Transaction Service are modified in any way;
14.1.2 No graphics on the Transaction Service are used separately from the corresponding text; and
14.1.3 Our copyright and trademark notices appear in all copies.
14.2 The names, images and logos identifying Us, Our products and services, are proprietary marks belonging to Us. You acknowledge and agree that the content including without limitation the text, graphics, photographs or other material presented on the Transaction Service is protected by copyright, trademark, patents and other proprietary rights and laws. You are only to use the contents as authorised by Us. For the purposes of these terms, any use of extracts from the Transaction Service other than in accordance with clause 14.1 for any purpose, is prohibited. Breach of these terms will result in immediate termination of your trading account whereby you must on request from Us immediately destroy any downloaded or printed extracts from the Transaction Service.
14.3 Subject to clause 14.1, no part of the Transaction Service may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without Our prior written permission.
14.4 Derivative use of the Transaction Service is prohibited, including any use of data mining, robots or similar data gathering, reverse engineering and extraction tools with the intent of damaging the Transaction Service.
14.5 Any unauthorised use will terminate this license granted by Us. This license is conditioned on your continued compliance with these terms and any rights not expressly granted in these terms are reserved.15. Disclaimer
15.1 None of the information contained in the Transaction Service constitutes, nor should be construed as foreign exchange advice.
15.2 While We endeavour to ensure that the information on Our website regarding Our Transaction Service is correct, We do not warrant the accuracy and completeness of the material on Our website regarding the Transaction Service. We may make changes to the material on Our website regarding the Transaction Service, or to the products and prices described in it, at any time without notice. The material on Our website regarding the Transaction Service may be out of date, and We make no commitment to update such material.
15.3 The material on Our website regarding the Transaction Service is provided "as is", without any conditions, warranties or other terms of any kind either expressed or implied. Accordingly, to the maximum extent permitted by law, We provide the Transaction Service on the basis that We exclude all representations, warranties, conditions and other terms. This includes, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill which, but for this legal notice, might have effect in relation to the Transaction Service.16. Liability
16.1 We, any other party (whether or not involved in creating, producing, maintaining or delivering Our website), and any of Our officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party. This includes, without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, or other loss or damages, arising from or connected in any way to business interruption. In addition, whether in tort, contract or otherwise in connection with the Transaction Service in any way or in connection with the use, inability to use or the results of use of Our website or Our telephone service, any websites linked to Our website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing Our website or downloading of any material from Our website or any websites linked to Our website.
16.2 Nothing in these Terms will exclude or limit Our liability for:
16.2.1 Death or personal injury caused by negligence, or
16.2.2 Fraud; or
16.2.3 Misrepresentation as to a fundamental matter; or
16.2.4 Any liability which cannot be excluded or limited under applicable law.
16.3 If your use of material on the Transaction Service results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.
16.4 We are entitled to assume that all transactions made using your username and password are authorised by you. We will not be liable in any way for any direct, indirect or consequential loss suffered by you as a result thereof;
16.4.1 Any Transaction conducted using your username and password; or
16.4.2 Any suspension, withdrawal or termination of your access to Our Transaction Service; or
16.4.3 Interruptions to Our Transaction Service.
16.5 You indemnify and hold Us harmless against any and all loss suffered by Us, which may result from your misuse of Our Transaction Service or breach of these Terms.
16.6 Access to the Transaction Service may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond Our control and We will incur no liability.17. Market Information
17.1 We make available market information services generated internally containing, but not limited to financial market data, rates, news, charts or data. Market information provided on Our website or in email format or over the telephone is not intended as foreign exchange advice.
17.2 We do not guarantee the accuracy, timeliness, completeness or correct sequencing of the market information. We reserve the right to discontinue offering market information at any time without notice.18. Foreign Exchange Rates
18.1 The facilities offered on Our Transaction Service include real time instantly tradable rates. Without limiting the foregoing, "real-time" rates viewed on Our website regarding Our Transaction Service, particularly in times of high volumes of trading and market volatility, may not be reflective of the current price of the currency. Due to the automation of this service, errors in quoted rates may occur on limited occasions under some circumstances. In such cases We may in Our sole discretion decline to complete transactions based on such erroneous rates and will notify you as soon as possible after We determine not to complete any such transactions requested under your username and password. In all such cases We will justify such actions.19. Cancellation of Access
19.1 We may suspend or withdraw your access to Our Transaction Service at any time without prior notice if:
19.1.1 You have breached these terms or have acted fraudulently.
19.1.2 We learn:
19.1.3 We otherwise deem such suspension or withdrawal necessary or appropriate, in its sole discretion.
19.2 You may cancel your access to Our Transaction Service at any time by giving Us written notice. You will remain responsible for any transactions made on your account through the Transaction Service up until access to your account is actually disabled.
19.3 Transactions in respect of which you have given Us instructions and which are to be made after your access to Our Transaction Service is terminated or suspended will not be effected.20. Redress and Complaints Procedure
20.1 Where an official complaint is received by Us, We will record the nature of the complaint and issue an acknowledgement email to you within 5 business days of receiving your complaint. The acknowledgement will provide you with the contact name who is responsible for dealing with your complaint. The official complaint must be made by email (you may also write, although this will slow down the process), and confirm that you wish to enter this process. Please email your complaint to firstname.lastname@example.com.
20.2 We will investigate your complaint as swiftly as possible and where applicable, you will receive a regular written update on the progress of the investigation at intervals of not more than 20 business days.
20.3 We will try to resolve your complaint within 40 business days of having received the complaint. If your complaint cannot be resolved within 40 business days, We will write to you notifying you of the anticipated timeframe for the conclusion of the investigation.
20.4 Within 5 business days of the conclusion of the investigation of the complaint, We will issue a resolution letter detailing the outcome of the investigation. This letter will include, if applicable, an explanation of the terms of any offer that We are prepared to make in settlement of your complaint.
20.5 If at any time you are unsatisfied with the handling of your complaint or We cannot resolve the complaint within the 40 Business days timeframe, you will be notified of your right to refer the matter to the Financial Services Ombudsman's Bureau, or the local competent authority for your jurisdiction, for your local authority please follow the attached link http://ec.europa.eu/internal_market/payments/docs/framework/transposition/complaints_en.pdf.. The Irish competent authority - Financial Services Ombudsman's Bureau 3rd Floor, Lincoln House, Lincoln Place, Dublin 2 Telephone 1890 88 20 90 Fax (01) 662 0890 Email firstname.lastname@example.com Web www.financialombudsman.ie21. QuickBooks
21.1 QuickBooks will provide Us access to process and retrieve contact details and transaction data related to you. By accepting Our Terms and Conditions you agree to be bound by same and permit Our access to your QuickBooks transaction history. In line with 11. Privacy Policy and Data Protection Regulation Regulation ((EU) 2016/679) ("GDPR"),, We will retain and maintain information in accordance with legislative requirements. We will only hold accurate and meaningful information where Our Transaction Service is used.22. Governing Law and Jurisdiction
22.1 These Terms and Conditions of use of the Transaction Service and any disputes arising out of or related to the Transaction Service are governed by and interpreted by the laws of the Republic of Ireland, and each party hereto irrevocably submits to the exclusive jurisdiction of the courts of the Republic of Ireland. This is the case regardless of whether you reside or transact business with Us elsewhere in the world.
22.2 Without limiting the foregoing, you acknowledge and understand that laws regarding foreign exchange contracts vary throughout the world, and it is your obligation alone to ensure that you fully comply with any law, regulation or directive, relevant to your country of residency with regards to the use of the Transaction Service. For avoidance of doubt, the ability to access to Our Transaction Service does not necessarily mean that the services, and/or your activities through it, are legal under the laws, regulations or directives relevant to your country of residence.
If you have a complaint, first contact Transfermate, Inc., at 866-539-7793. However, if you still have an unresolved complaint involving a Texas money transmission, please direct your complaint to: Texas Department of Banking and Finance, 2601 North Lamar Blvd, Austin TX, 78705, phone number: 877-276-5554, or visit TX Department of Banking's website: www.dob.texas.gov.
If so, do not proceed with this transaction. Processed payments may not be reversible after a certain point in the transaction. Contact Transfermate, Inc. for any help.


text:
Actor Edward Furlong ran into trouble with the law again on Sunday when he was arrested over an alleged domestic dispute.
The "Terminator 2: Judgment Day" star was detained after cops arrived at a Los Angeles residence in response to a "boyfriend/girlfriend disturbance," authorities tell E! News.
The website reports Furlong allegedly shoved an unnamed woman and was taken into custody at Men's Central Jail and held on $50,000 bail.
Cops had an outstanding warrant for his arrest, stemming from a previous domestic violence incident.
He is due to appear at the Beverly Hills Courthouse on Tuesday.
Furlong was arrested twice last year on suspicion of harming his lover – in October following a bust-up at Los Angeles International Airport and again the following month after an alleged fight at the couple's home.

subset: commoncrawl


text:
- Rubber sole injection molding machine
- Rubber injection machine
- Multicolor injection machine
- 3D shoe last scanner
- 3D Shoe Design Software
- 3D Printer
- Rubber transfer joining machine
- Related Footwear Technology
- Affiliate Link
professinal for rubber shoe sole injection machine Help Congo Small Customer Growth Plan, We are a professional Fast-scanning-3D-shoe-last-scanner Chinese manufacturer and supplier, for Fast-scanning-3D-shoe-last-scanner OEM & ODM wholesale prices and more details of cooperation, please contact us immediately and follow us Facebook.
Fast-scanning-3D-shoe-last-scanner Congo
View: List Showcase
Selected Product
Model: TR Scan 3D-300
Min. Order: 1 set
·specialized design for scanning shoe lastFavorites
·full automatic, no need extra adjustment
·export 3D solid model directly
·full automatic, no need extra adjustment
·export 3D solid model directly


text:
Bloggers must make reading our blog easy! It's a rule of thumb that blog posts must stay fairly short to maintain the interest of the reader (I like to stay less than 500 words...or try to). Most folks have enough reading to do for work or school that in their free time they prefer small snippets. As the storytellers it is important for us to not only break up the story, but to set up our blogs so that our readers can find the different parts. Hence the need for the wonderful link back.
Note in my example above, that I included the idea that there was a part I to my story in the very first sentence and I created a link back to the first installment. Once I publish the third installment I will create a link back on all pages that relate to the story so my readers can easily locate each part. I have seen other bloggers create a list of the installments at the very beginning of their post.
Adding links back to previous or related posts is such a simple concept, but it is one that can easily be forgotten. Take a moment to do it and make reading your blog easy for your readers!


text:
Helping Insurance & Business Professionals Navigate Their Road to Success
What is holding you back from increased revenue and clientele? We have the resources and tools you need to increase your bottom line and reach your business goals.
Get started today by downloading our FREE ebook What Every Great Salesperson Knows – A No-nonsense Guide for Sales Success, a powerful, hands-on workbook to assess your skills and compare them to top producers. Jam-packed with exercises that will pinpoint your strengths and weaknesses and give you the opportunity to improve. Get powerful sales results, fast, and become a top producer.


text:
what's new!
download & print sewing patterns
paper sewing patterns
creative bug classes
fabric & sewing tips
handbags & luggage
free patterns
sewing patterns
craft patterns
where to buy
about amy
contact us
share your projects!
creative bug classes
join my list
my appearances
about amy
lifestyle photos
luscious projects
amy at market
blog tour
I'm so happy to introduce this line and work with my great friend Ravi and his family at Chandra in Atlanta. These rugs are truly handmade (I've seen it!). From the hand-tufting & dying of the 100% New Zealand wool, to the hand-carving of the designs by masters using special scissors. They are available in 5' x 7' 6" and 7' 9" x 10' 6". There are 19 rugs in the collection - 13 designs, six of which are colored in two colorways. They are all based on my fabrics and bedding prints!
click here to buy my rugs online
click here for a list of quality retailers carrying my fine handcrafted rugs
click here for wholesale info
(click on the images below to enlarge)
a modern, ornate and romantic tapestry for your floor in rich lavender blue, ivory and warm grey
a modern, ornate and romantic tapestry for your floor in fresh citrus green and ivory
recalls the elaborate relief and tile work of ancient Morocco. In rich terra cotta and ivory.
recalls the elaborate relief and tile work of ancient Morocco. In rich sea foam blue and bone ivory.
recreated from the original print of cotton blossoms in a warm mossy stone, green and slate blue palette.
joyful and passionate flower in deep red, burgundy and magenta. A romantic accent to warm up your room!
A deep rich organic pattern in charcoal brown and blue. Heavily sculpted pile in an artistic and lush tapestry for your floor.
From one of my most popular fabric lines! This most elaborate and richly woven rug comes in two color ways to suite your style.
A modern take on the bright sky and flowers waving in the field. Deep blues give the feeling of a garden pond oasis.
Big and bold poppies and leaves create fresh & modern accent to your favorite spaces. Two color ways to choose from.
Far from being a wallflower itself, this style works in any setting, and is ready to entertain! Two color ways to suite your taste.
Cotton blooms create a cloud of soft circles for resting, stretching & lounging. Enjoy these clouds in either green or blue.
Inspired by lavish gardens in the English countryside, Coventry brings the outdoors in. A modern take on the vintage area rug.
Inspired by rich carvings in temples that celebrate life, this print is cheerful and graphic! Choose from pink or blue to suite your room.
A graphic detail of one of my popular tropical prints interpreted in a subtle, natural feeling blue and green. An island garden in rich, soft wool!
A dance of organic floral motifs with a very modern and lavish character. Heavily sculpted shapes weave in and out for a bold style in grey, green and blues.
Big pop art flowers and rich yet earthy mineral tones give a cool vibe to the simple Morning Glory vine! Two color ways to choose from.
A modern crop on one of my favorite fabrics led to this fab rug that has become the kitties favorite romping ground. Deep warm charcoal & blues with rich ivory.


text:
Ben van der Pluijm
Bruce R Clark Professor of Geology
Professor of the Environment
Editor-in-Chief, Earth's Future
BR Clark Professor of Geology and Professor of the Environment at Univ of Michigan, and Editor-in-Chief of AGU science journal Earth's Future. His research areas are Structural Geology/Tectonics, dealing with evolution of Earth's crust, and Hazards Geology and Societal Resilience, dealing with planet-human interactions.
Ben van der Pluijm is the BR Clark Collegiate Professor of Geology and holds appointments in Earth & Environmental Sciences and Program in the Environment at the University of Michigan.
His research area is Structural Geology, dealing with the deformation of Earth's crust from microscope to mountain belt, and from past to future. His second area of interest is Societal Resilience, examining the connections between human society, Earth resources and natural hazards.
He is Editor-in-Chief of AGU's journal Earth's Future. A transdisciplinary, open-access science journal, Earth's Future examines the state of the planet and its inhabitants, and the predictions of its future. The journal assesses the challenges and opportunities associated with regional and global change in an era where humans dominate Earth's environment, resources and ecosystems. It publishes peer-reviewed articles, reviews and (short and long-form) commentaries in areas that include water, air, food, energy, hazards, climate, ecosystems, human health and demographics, among others. Contributions focus on Earth as an interconnected, evolving system to inform researchers, policy makers and the public on the science of the Anthropocene.
He has authored more than 200 peer-reviewed articles, edited several book volumes and published the undergraduate textbooks "Earth Structure" and "Processes in Structural Geology and Tectonics". Educational and public activities include learning technologies and lectures on geology, hazards and global change.
Selected Appointments
American Association for the Advancement of Science (Fellow)
Tectonics and Structural Geology at U-M
Michigan Shake
The Michigan Shake project focuses on local shaking from human activity by recording audience response to game moments in the largest football stadium in the nation: the Michigan Stadium. This local seismic signal is irregular and protracted, with ups and downs, unlike sudden energy releases from an explosion or more steady city noise. The audience energy is small compared to earthquakes, perhaps less than Magnitude 1 on the seismic magnitude scale, but enough to shake the stadium and its occupants.
Specific game events, like touchdowns (TDquakes) and band play are easily recognizable, while shaking from the visiting team's TD is much less impressive. Because the seismometer is not calibrated for its specific location (surprisingly, test explosions were not approved by facilities staff), we use the Michigan Magnitude (Mum), which is the 10log value of maximum shaking (maximum count). Whether Mum will become a global standard depends on the team's season.
Website: https://ben.earth.lsa.umich.edu/seismo/michiganshake.html
Course: Resilient Society
Website: Resilience.Earth (http://resilience.earth.lsa.umich.edu/)
Processes in Structural Geology and Tectonics
Earth Structure - An Introduction to Structural Geology and Tectonics (2nd edition).
The Second Edition of Earth Structure: An Introduction to Structural Geology and Tectonics takes a balanced approach to the subject area―emphasizing links between structural features at all scales (microscopic, hand-specimen, outcrop, mountain-range) and deformation processes. Earth Structure also shows how assemblages of structures relate to different geological settings in the context of plate tectonics. Chapters are self-contained modules that can be arranged in various sequences depending on instructor preference. The book uses a conversational writing style, employing familiar analogies and field examples; mathematical analysis, where used, is kept at the trigonometry level.
Earth's Future - An open-access publication on the state of the planet and the predictions of its future. (see editorial below)
Picture Galleries, Tricks
Fall 2018 Geoscience newsletter
Ben van der Pluijm and collaborators are continuing their research on orogenic geofluid sources and timing, focusing on the US and Canadian Rockies and the US Appalachians. Colleagues in Europe provide facilities that are optimized for mass spectrometry of clays, while UM's Ar geochronology lab dates and quantitative XRD measurements complement these O-H data. This summer, Erin Lynch completed her PhD on orogenic fluid fingerprinting and now shares her talents at Shell, following an academia-to-industry path of many of his recent PhD students. Disappointed by the lack of solid Earth events in Michigan (good news for everyone else), Ben decided to ask 100,000+ people in Ann Arbor's Big House to help create shake signals for use in his new Intro Geology class (E119, "Earth Interactions"). A piece on his Michigan Shake project is elsewhere in this issue, and the website at https://ben.earth.lsa.umich.edu/seismo/michiganshake.html has details, results and some write-ups. As a reward, Ben got the Michigan Stadium to himself to punt some seismometers (photo).
Fall 2017 Geoscience newsletter
The 2016/17 academic year was an exciting time for Ben van der Pluijm with the successful completion of two PhD theses. Samantha Nemkin, in a project with Rob Van der Voo, finalized her research on synfolding remagnetization, showing this is very common in the Rocky Mountains and its equivalent in Mexico. A third paper, on the Monterrey orocline in northern Mexico, was just accepted for publication. Austin Boles completed his studies on clays in a range of deformation settings, and the development of a more advanced X-ray clay characterization method. Beyond published work, a couple of papers remain under review, including results from surface outcrop analysis along New Zealand's Alpine Fault and Rietveld quantification of clays. The continuing research of graduate student Erin Lynch focuses on geofluid fingerprinting in the Rockies and Appalachians, building on a recently published study in the Argentine Precordillera that finds a regional climate signal in fault rocks. She enters her final year with a Rackham Predoctoral Award, allowing uninterrupted time to complete and defend her dissertation in mid-2018.
Ben has expanded his professional efforts and outreach activities in societal resilience, which is the focus of a Fall class and will be incorporated in future teaching of intro geology. An optimistic presentation on "The Human Era: Living in the Anthropocene" was offered in several professional and public venues, including an U-M alumni trip in sunny (!) SE Alaska (picture). The AGU journal Earth's Future, dealing with the science of the Anthropocene, continues to grow and seems well-received by colleagues (if journal impact factors mean anything) and the public (based on Altmetics). Some personal travel, meetings and service trips, and a new puppy, Luca, keep Ben and Lies nicely occupied. Their sons, Wouter and Robert, decided to support Delta Airlines by moving to Boston and San Francisco for their work.
Good Night Sunshine: Geoengineering Solutions to Climate Change?
The goal of last year's Paris accord to limit global warming to 2°C (=3.6°F), if not 1.5°C (=2.7°F), is admirable, but it's unlikely that these aspirational goals can be reached with voluntary greenhouse gas emission reductions alone. Already, we are nearing the 1.5°C global warming level, with predictions for reaching 2°C not far into the future. The implications of global warming are recognized widely, both in short-term events like coastal inundation and extreme weather, and long-term in the form of permanently shifting climate zones and higher sea level. The range of our actions, however, is not limited to greenhouse gas generation only.
Building on humanity's remarkable history of engineering approaches to overcome challenges--from early use of fire to create stronger tools, to modern manufacturing and construction-- climate engineering techniques should be included as viable solutions for reducing the impacts of global warming.
Read more at https://eos.org/editors-vox/good-night-sunshine-geoengineering-solutions-to-climate-change
Fall 2016 GeoScience News
Ben van der Pluijm usually writes about geo research or teaching in his annual update for the departmental newsletter, but he has a parallel interest area in sustainability and resilience. Since 2014 he has been editor-in-chief of the AGU's fledgling journal Earth's Future (see cover image). A transdisciplinary, open-access science journal, Earth's Future examines the state of the planet and its inhabitants, and the predictions of our collective future. The journal assesses the challenges and opportunities associated with regional and global change in an era where humans dominate Earth's environment, resources and ecosystems. It publishes peer-reviewed articles, reviews and (short and long-form) commentaries in areas that include water, air, food, energy, hazards, climate, ecosystems, human well-being and demographics, among others. Contributions focus on Earth as an interconnected, evolving system to inform researchers, policy makers and the public on the science of the Anthropocene.
One novel element is the use of authoritative commentaries that critically examine a topic with a solid scientific foundation. For example, one such set is just published on the controversial topic of climate engineering. Those interested in the yes/no debate about an Anthropocene Epoch will find key papers here too, with a couple of examples recently highlighted in my Editors' Vox on this topic (Here comes the Anthropocene; https://eos.org/editors-vox/here-comes-the-anthropocene). You can have a fully open-access look at the journal, at http://agupubs.onlinelibrary.wiley.com/agu/journal/10.1002/(ISSN)2328-4277/, where you will likely find stimulating and informative contributions on our (=Earth's) Future.
Fall 2015 GeoScience News
Ben van der Pluijm ended a nearly 15 year stint as director of the Global Change Program, which offered a set of introductory courses on planetary stewardship and sustainability, and (College of LSA's first) minor degree. The inception of this educational program was funded by generous support of the Hewlett Foundation and the U-M's Provost Office, in collaboration with Tim Killeen and other U-M colleagues. The GC Program was absorbed by PitE's growing minor offerings. Ben is now developing a new approach that focuses on societal resilience (Earth/Environ259), moving from the aspirations of sustainability to the practicalities of a changing environment. Over the summer, Ben also worked on a new version of the successful Earth Structure textbook, which changed so much that a new title will be used. "Processes in Structural Geology and Tectonics" reorganizes the standard structure course outline, by integrating observation, theory and process, without losing sight of fundamentals. The primary goal of this new approach is to improve students' understanding and retention of key elements and processes in this area of study. An experiment with online posting is underway, allowing greater international access and lower prices (see earthstructureweb on Facebook).
Graduate student Austin Boles continues the development of H analysis as a proxy of fluid sources, most recently on samples from the Alpine Fault of New Zealand. Erin Lynch is similarly working on sources and timing of fluid history, focusing her efforts on the Cordilleran fold-thrust belts of S and N America. Samantha Nemkin, jointly supervised with Rob van der Voo, continues her work on the timing of remagnetization using the paleomagnetic fold test in limestones and fold dating of interbedded shales. Several undergraduate students are also involved in these projects. Various projects with recent group members Anja Schleicher (GFZ Potsdam) and Elisa Fitz-Diaz (UNAM) are continuing as well. A project on dating deformation in the Canadian Rockies that started well over a decade ago with PDF Peter Vrolijk (van der Pluijm et al., Nature, 2001), culminated in a regional study and synthesis of the Alberta Rockies that emphasizes the importance of short deformation pulses instead of long-lasting, continuous deformation (Pana and van der Pluijm, GSAB, 2015). These views are not embraced by everyone.
Ben and Lies continue to host U-M alumni travel, most recently to the Barents and White seas, visiting Russian harbor cities like Murmansk and Arkhangelsk (picture), seeing samples from the bottom of the Kola Peninsula deep hole (12 km!), and foggy Nordkapp and Tromsø in Norway, all of which with 24 hr daylight.
Lastly, an upcoming GSA-Baltimore set of sessions organized by PhD grads Sam Haines, Bernie Housen, Eric Tohver and Arlo Weil will celebrate Ben's 30 years of research and graduate mentoring at Michigan, and, gasp, his 60th birthday.
Fall 2014 GeoScience News
In late 2013, Ben van der Pluijm accepted the invitation of the American Geophysical Union to become Editor-in-Chief of its new journal Earth's Future. The journal examines the human interactions with our planet and the predictions of its future ("Earth's Future: Navigating the Science of the Anthropocene"; http://goo.gl/2DbAM4). Besides supporting AGU's mission to promote discovery in Earth and Space Sciences for the benefit of humanity, Earth's Future offers free access to its publications. Tracking the journal's use demonstrates the impact and unrivaled reach of open-access publishing, with users around the world and notably greater participation from less-traditional regions in Africa and Asia. Ben capitalizes on his experiences in education and outreach in sustainability science for this role, but has also not forgotten structural geology.
A new direction in his research program is the examination ("fingerprinting") of geofluids that were involved in upper crustal deformation. Third year PhD student Austin Boles work on rocks from northern Turkey and newly-drilled samples from New Zealand's Alpine Fault to understand the fluid history in continental transforms. Second year PhD student Erin Lynch studies the timing and sources of fluids in the Argentinian Cordillera, north of Mendoza (yes, excellent Malbecs). Third year PhD student Samantha Nemkin's research capitalizes on recent fold dating successes by examining the timing of remagnetization and oroclinal bending in northern Mexico, in association with U-M's Rob Van der Voo. Collaborations with research scientist Anja Schleicher (Japan's Nankai subduction zone) and recent PDF Elisa Fitz-Diaz (Mexico's Sierra Madre Oriental) continue to bear fruits too. Ben is also using his new-found freedom from admin roles for overdue visits to colleagues and places (see picture), and served as 2013/14 Earthscope lecturer (http://goo.gl/Ttx402). He continues as faculty host on U-M alumni tours, most recently to Greenland and next year to Russia's White Sea region. A return to teaching structure (using, surprisingly?, the textbook Earth Structure) and new approaches to sustainability education mark Ben's recent teaching efforts, which he plans to continue. Highlighting some research outcomes, Ben finally completed a major paper on orogenic pulses that is based on work in the Rockies (GSAB, 2014), and an armchair view (the reviewer's take) on the Anthropocene ("Hello Anthropocene, Goodbye Holocene"; http://goo.gl/g2sXjb).
Fall 2013 Earth's Future: Navigating the Science of the Anthropocene
During the last decades, decision-makers in public service and private sectors have increasingly realized that the major challenges facing human society in the 21st century will be related to the evolution of the Earth system. Among the global challenges are the limitation of available natural resources, the rapid population growth and its concentration in large urban areas, climate change with its impacts on the environment and society, the human and economic impacts of hazards such as earthquakes and extreme weather, air and water quality, sea-level rise, reduction in biodiversity, etc. International organizations, national, regional and local government, and private corporations will have to address these issues and, specifically, find appropriate approaches, such as fundamentally modify our energy supply system, preserve the biosphere from anticipated degradations, adapt to unavoidable effects of climate change and geohazards, provide sufficient and healthy food as well as clean water, improve access to education, medical and welfare services, and ultimately improve the level of human well-being and development of the world's population. All such decisions will have to be based on scientific knowledge and understanding of the governing processes. It is, therefore, the responsibility of the scientific community to develop programs that will help society address these key challenges in the decades ahead.
Many of the questions posed by stakeholders require interdisciplinary approaches. They will not be left to individual scientists nor even to scientific teams, but will often require a close dialogue with various players in society and the co-production of knowledge involving different partners. Disciplinary science will remain extremely important to build the pillars of the "science temple", but at the same time, there will be a need to develop more holistic approaches that will integrate knowledge from individual disciplines and produce the roof of this temple.
About two years ago, the American Geophysical Union constituted a task force to assess new journal concepts for the Union. The task force noted that the scientific landscape has been evolving toward more integrated, transdisciplinary science and toward more societally relevant research that is geared toward solutions to coupled human and planetary challenges. The task force noted that AGU has produced many successful journals in the past decades that cover a large spectrum of geophysical disciplines, but that there is a recognized need to better link these disciplines with, when appropriate, economic and social processes. We are pleased to introduce the first issue of Earth's Future, the new AGU journal that aims to address these issues and should become a primary tool for lively dialogue between a large multidisciplinary research community and stakeholders representing a broad spectrum of societal sectors.
Earth's Future deals with the state of the planet and its expected evolution. It publishes papers that emphasize the Earth as an interactive system under the influence of the human enterprise. It provides science-based knowledge on risks and opportunities related with environmental changes. Earth's Future is a transdisciplinary, open-access journal that is published electronically. The journal will include regular research papers, review papers, commentaries and essays in support of its stated goals.
The journal has been launched by one of us (GPB) who acted as Founding Editor-in-Chief for the initial period of its existence and worked closely with Associate Editors Michael Ellis and Anthony Del Genio. A permanent editorial team led by the new Editor-in-Chief (BvdP) is being constituted and will assume responsibility for future issues of the journal. Both of us would like to thank all the colleagues and the AGU staff members who have contributed to the launch of Earth's Future and have steadied the first steps of this new journal. We look forward to an exciting (Earth's) future.
Fall 2012 GeoScience News
Ben van der Pluijm recently returned from a year at the National Science Foundation, where he helped shape the foundation's sustainability portfolio of programs ("SEES"); see a short write-up on his experiences elsewhere (vanderBLOG). Meanwhile, Ben was able to remain actively engaged in research through the efforts of a group of wonderful students and colleagues. Several publications on aspects of SW US detachment fault systems appeared with PDF Charlie Verdel, who is now lecturer at Univ of Queensland, Australia. Graduate student Tim O'Brien focused on pseudotachylyte dating, which resulted in the first direct age of faulting associated with Iapetus opening. Research scientist Anja Schleicher published our final(?) publication in a set of original research papers on the San Andreas Fault drilling project. Our collective efforts in this project convincingly confirm the starting working hypothesis of clay minerals as the mechanical agent responsible for weak fault, creeping behavior; Ben wrote a short note for Nature Geoscience on this after friction experiments in competing labs demonstrated that SAFOD swelling clays are also very weak in laboratory settings (read here). Post-doc Elisa Fitz-Diaz joined the group last year tackling the high-risk, high-reward project of fold dating. Ar dating of folds would complement our now-established fault dating capabilities, allowing detailed spatio-temporal information along and across fold-thrust belts. The preliminary results are very promising, so stay tuned.
Three new students will be joining us this Fall. Austin Boles will examine the fluid history of fault systems using high-resolution O-H isotopic analysis of newly mineralized clays in collaboration with colleagues at Wisconsin and Frankfurt. Initial sampling work was done by Ben in summer 2011; see spectacular exposure of the North Anatolian Fault in Turkey in the picture. Samantha Nemkin will work with Rob van der Voo, Elisa and Ben on nature and timing of orogenic curvature in Mexico, while Vera Hehn will work with Eric Hetland and Ben on microseismicity potential and shale properties associated with hydraulic fracturing in the eastern US.
A Focus on Science, Engineering and Education for Sustainability.
In a sustainable world, human needs would be met without chronic harm to the environment and without sacrificing the ability of future generations to meet their needs. Addressing the grand challenge of sustainability, the U.S. National Science Foundation (NSF) has developed a coordinated research and education framework, called the Science, Engineering, and Education for Sustainability (SEES) portfolio (http://www .nsf .gov/sees). The growing family of SEES activities, currently consisting of 11 programs, represents a major interdisciplinary investment by NSF that reflects the following topical themes: environment, energy and materials, and resilience. The SEES research and education program portfolio emphasizes the use of systems-based approaches to address critical challenges at the nexus of environmental, energy and materials, and economic systems, including social and behavioral dynamics and questions of human resilience and vulnerability. The SEES portfolio seeks to increase capabilities for understanding, predicting, and responding to changes in the linked natural, social, and built environment. Within the above three themes of SEES, NSF supports a variety of new programs that are proceeding down three pathways to advance sustainability: (1) building the knowledge base, (2) growing the workforce of the future, and (3) forging critical partnerships. Through SEES's goals and themes, proposed linkages and partnerships, and planned future trajectory, scientists can enact targeted plans for ensuring the sustainable future of human society. The research and education communities are strongly encouraged to create interdisciplinary proposals that address aspects of sustainability.
Sustainability science, engineering, and education require a multifaceted consideration of the natural environment, human populations, energy and materials use, built environment, and human behavior so that the challenges brought on by large-scale environmental change and modern resource demands—economic, technological, agricultural, and cultural—can be met. NSF's SEES portfolio transcends basic sustainability research and education through new partnerships and by bridging the gap with societal application and adaptation. Confronting today's grand challenge of sustainability, NSF's growing family of SEES programs supports natural and social sciences, engineering, and education, involving every one of NSF's directorates and offices. To ensure a healthful future, SEES relies on the energetic engagement of research and education communities from AGU and other scientific organizations to help create, nurture, grow, and disseminate the emerging knowledge base on sustainability.
Natural Fault Lubricants
I regularly offer presentations or comments for a general public on topics of geology and sustainability. Contact me for information and availability (firstname.lastname@example.com). Some example presentations are below.
Hazards and Resources
Recent AGU presentation below (https://www.youtube.com/watch?v=V1_wJ9x6bf0)
Michigan Radio (2016):
2009 SAFOD video, click here.
"Tiny clays curb big quakes" 2010 press release.
"Auto-Lube Keeps Parts of San Andreas Quiet" 2010 Scientific American Podcast
Structural Geology, Tectonics, Tectonophysics
Recent Research Topics
A variety of research projects instructural geology and carried out in our group. Brief descriptions of some of these projects are below, as well as links to selected publications. General information on structure and tectonics activities at the University of Michigan are available through the TSG page.
Orogenic Evolution
Fault Rocks
Oroclines and Stresses
Other Studies
Example Research Presentations
"Tectonics and collisional architecture of the Grenville margins of Laurentia and Amazonia" (PDF)
Graduate Students
Boles, Austin (PhD 2017)
UM-PDFs/(non-UM) Research Associates
Isabel Abad (Jaen, Spain) - mineralogy
Interdisciplinary undergraduate teaching (Global Change Program, MLTT) IT-supported classroom education (LectureToolsTM, GeoPocket), IT-supported field-based education (GeoPadTM)
Teaching Info
LectureTools - Interactive classroom environment
Example Teaching Presentations
Global Change Curriculum and Minor (2004)
Example Lectures
General Science
Earth Structure
The Department of Earth&Environmental Sciences is well equipped for modern structural/tectonic studies. The distributed structural geology laboratory cluster consists of a workroom and lounge (4534 CCL) with several research optical microscopes, including a Leitz Ortholux with photographic attachment, a dedicated Zeiss U-stage microscope with computer, facilities for real-time, microscope-based deformation experiments of analogs, and map analysis.
A texture goniometer, using an Enraf-Nonius single-crystal diffractometer, is located in the X-ray Laboratory (2005 CCL; picture), which also houses a state-of-the-art Rigaku diffractometer for quantitative powder sample characterization.Several magnetic fabric devices (including a Kappabridge and SI2 bridges) are housed in the Paleomagnetics Laboratory (4538 CCL) that also offers cryogenic and AF demagnetization capabilities.
The Electron Microbeam Analysis Laboratories house multiple TEM/STEM, SEM/FIB-SEM and microprobes for micro-structural and micro-chemical analysis.
A dedicated laboratory is equipped with mineral separation and preparation equipment, and includes a Coulter counter (5553 CCL). Shared departmental facilities offer extensive stable and radiogenic isotope capabilities, including Ar chronology, and other geochemical approaches. Technical support is available for all these facilities.
Selected Publications
A complete list of hotlinked publications can be found on my publications page or from ORCID, ResearchedID.
A selection of work in our research group is below.
Haines, S, Lynch, E, Mulch, A, Valley, J, van der Pluijm, B, 2016. Meteoric fluid infiltration in crustal-scale normal fault systems as indicated by δ18O and δ2H geochemistry, and Ar dating of neoformed clays in brittle fault rocks. Lithosphere, 8, 587-600. doi 10.1130/L483.1
Pana, DI, van der Pluijm, BA, 2015. Orogenic pulses in the Alberta Rocky Mountains: Radiometric dating of fault gouge from major thrusts and comparison with the regional tectono-stratigraphic record. Geol Soc Amer Bull 127, 480-502. doi:10.1130/B31069.1.
Fitz-Diaz, E., van der Pluijm B., 2013. Fold dating: A new Ar/Ar illite dating application to constrain the age of deformation in shallow crustal rocks. J Struct Geol, 54, 174-179.
Day-Stirrat, R.J., Flemings P.B., Yao You, Aplin, A.C., van der Pluijm, B.A., 2012. The fabric of consolidation in Gulf of Mexico mudstones, Mar Geol, 295-298, 77-85.
O'Brien, T.M., van der Pluijm, B.A., 2012. Timing of Iapetus Ocean rifting from Ar geochronology of pseudotachylytes in the St. Lawrence Rift System of southern Quebec. Geology, 40, 443–446; doi:10.1130/G32691.1.
Verdel, C., van der Pluijm, B.A., Niemi, N., 2012. Variation of illite/muscovite 40Ar/39Ar age spectra during progressive low-grade metamorphism: An example from the US Cordillera. Contribs Min Petrol 164, 521-536.
Hnat, J., van der Pluijm, B.A., 2011. Foreland signature of indenter tectonics: Insights from calcite twinning analysis in the Tennessee salient of the Southern Appalachians, USA. Lithosphere, 3, 317-327.
Rahl, J.M., Haines, S.H., van der Pluijm, B.A., 2011. Links between orogenic wedge deformation and erosional exhumation: evidence from Illite age analysis of fault rock and detrital thermochronometry of syn-tectonic conglomerates in the Spanish Pyrenees. EPSL, 307, 180-190.
van der Pluijm, B., 2011. Natural fault lubricants. Nature Geosci, 4, 217-218.
Schleicher, A.M., van der Pluijm, B.A., Warr, L.N., 2010. Nanocoatings of clay and creep of the San Andreas fault at Parkfield, California. Geology 38, 667-670.
Haines, S.H., van der Pluijm, B.A., Ikari, M., Saffer, D., Marone, C., 2009. Clay fabrics in natural and artificial fault gouge. J Geophys. Res. 114, B05406, doi:10.1029/2008JB005866.
Day-Stirrat, R.J., Aplin, A.C., Środoń J., van der Pluijm, B.A., 2008. Diagenetic reorientation of phyllo-silicate minerals in Paleogene mudstones of the Podhale Basin, southern Poland. Clays Clay Min., 56, 100-111.
Ong, P.F., van der Pluijm, B.A., Van der Voo, R., 2007. Early rotation and late folding in the Pennsylvania Salient (US Appalachians): Evidence from calcite-twinning analysis of Paleozoic carbonates. Geol. Soc. Am. Bull., 119, 796-804.
Warr, L.N., van der Pluijm, B.A., Tourscher, S., 2007. The age and depth of exhumed friction melts along the Alpine Fault, New Zealand. Geology, 35, 603-606.
Schleicher, A.M., van der Pluijm, B.A., Solum, J.G., Warr, L.N., 2006. Origin and significance of clay-coated fractures in mudrock fragments of the SAFOD borehole (Parkfield, California). Geophys. Res. Lett., 33, doi:10.1029/2006GL026505.
Tohver, E., Teixeira, W., van der Pluijm, B., Geraldes, M.C., Bettencourt, J.S., Rizotto, G., 2006. Restored transect across the exhumed Grenville orogen of Laurentia and Amazonia, with implications for crustal architecture. Geology, 34, 669-672.
Solum, J.G., van der Pluijm, B.A., Peacor, D.R., 2005. Neocrystallization, fabrics and age of clay minerals from an exposure of the Moab Fault, Utah. J. Struct. Geol., 27, 1563-1576.
Streepey, M.M., Lithgow-Bertelloni, C., van der Pluijm, B.A., Essene, E.J., Magloughlin, J.F., 2004. Exhumation of a collisional orogen: a perspective from the North American Grenville Province. Geol. Soc. Am. Memoir, 197, 391-410
Pares, J.M, van der Pluijm, B.A., 2003. Magnetic fabrics in low-strain mudrocks: AMS of pencil structures in the Knobs Formation, Valley and Ridge Province, US Appalachians. J. Struct. Geol., 25, 1349-1358.
Pares, J.M, van der Pluijm, B.A., 2002. Phyllosilicate fabric characterization by Low-Temperature Magnetic Anisotropy (LT-AMS). Geophys. Res. Lett. 10.1029/2002GL015459 (Dec).
van der Pluijm, B.A., Hall, C.M., Vrolijk, P., Pevear, D.R., Covey, M., 2001 The dating of shallow faults in the Earth's crust. Nature, 412, 172-174.
Weil, A.B., Van der Voo, R., van der Pluijm, B.A., 2001. Oroclinal bending and evidence against the Pangea megashear: the Cantabria-Asturias Arc (northern Spain). Geology, 29, 991-994.
Ho, N.C., Peacor, D.R., van der Pluijm, B.A., 1999. Preferred orientation of phyllosilicates in Gulf Coast mudstones and relation to the smectite-illite transition. Clays and Clay Minerals, 47, 495-504.
Howell, P.D., van der Pluijm, B.A., 1999. Structural sequences and styles of subsidence in the Michigan basin. Geol. Soc. Am. Bull., 111, 974-991.
Vrolijk, P., van der Pluijm, B.A., 1999. Clay gouge. J. Struct. Geol., 21, 1039-1048.
Joseph, L.H., Rea, D.K., van der Pluijm, B.A., 1998. Use of grain size and magnetic fabric analyses to distinguish among depositional environments. Paleoceanography, 13, 491-501.
Mac Niocaill, C., van der Pluijm, B.A., and Van der Voo, R., 1997. Ordovician paleogeography and the evolution of the Iapetus Ocean. Geology, 25, 159-162.
van der Pluijm, B.A., Craddock, J.P., Graham. B.R., and Harris, J.H., 1997. Paleostress in cratonic North America: implications for deformation of continental interiors. Science, 277, 794-796.
Busch, J.P., and van der Pluijm, B.A., 1995. Calcite textures, microstructures and rheological properties of marble mylonites in the Bancroft shear zone, Ontario, Canada. J. Struct. Geol., 17, 677-688.
Richter, C., and van der Pluijm, B.A., 1994. Separation of paramagnetic and ferrimagnetic susceptibilities using low-temperature magnetic susceptibilities and comparison with high field methods. Phys. Earth Planet. Inter., 82, 113-123.
van der Pluijm, B.A., Mezger, K., Cosca, M.A., and Essene, E.J., 1994. Determining the significance of high-grade shear zones by using temperature-time paths, with examples from the Grenville Orogen. Geology, 22, 743-746.
Mezger, K., Essene, E.J., van der Pluijm, B.A., and Halliday, A.N., 1993. U-Pb geochronology of the Grenville Orogen of Ontario and New York: constraints on ancient crustal tectonics. Contrib. Mineral. Petrol., 114, 13-26.
Housen, B.A. and van der Pluijm, B.A., 1991. Slaty cleavage development and magnetic anisotropy fabrics. J. Geoph. Res. (B), 96, 9937-9946.
Mezger, K., van der Pluijm, B.A., Essene, E.J., and Halliday, A.N., 1991. Synorogenic collapse: a perspective from the middle crust, the Proterozoic Grenville orogen. Science, 254, 695-698.
Reports and Websites
A Focus on Science, Engineering and Education for Sustainability, 2012. Eos, 93, 1-3.
GeoSwath workshops, 2007: http://www.globalchange.umich.edu/ben/geoswath/
GeoTraverse Concept mini-workshop, 2005: http://www.globalchange.umich.edu/Ben/geotraverse/GeoTraverse05.htm
San Andreas Fault Observatory at Depth (SAFOD) samples mini-workshop, 2004: http://www.globalchange.umich.edu/Ben/SAFOD/SAFOD_workshop_website.htm
Integrated Solid Earth Sciences (ISES), 2002: http://www.globalchange.umich.edu/Ben/SES/index.html
Dynamic map to campus
About Ann Arbor, the Netherlands
© Ben van der Pluijm
Last update: January 10, 2019