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Terms of Business
TERMS OF BUSINESSThe parties to this Agreement are:
Mayzus Financial Services Ltd, trading as MoneyPolo (herein referred to as 'MoneyPolo', 'We' 'Our' or 'Us') company number 06721866 whose registered address is 42 Upper Berkeley, St. Marylebone, London W1H 5QLAND
'YOU' (in this context referred to as the individual/individuals in clause 3.9.) who is a natural person(s) of 18 years or over, a legal entity or professional organisation or other person who has either completed, signed and delivered by post or electronically to MoneyPolo the Registration Form (thus, the 'Registered Customer') and agreed to the terms and conditions of this Agreement electronically or by signing and sending a copy of this Agreement by post to MoneyPolo to enable MoneyPolo to provide a service as set out herein (herein referred to as the 'Customer', 'You' or 'Your') via a MoneyPolo Customer Account.
- 'framework contract' and 'payment account' bear the meanings given to them in the PS Regulations.
- 'PS Regulations' means the Payment Services Regulations 2017 (PSRs 2017), as amended.
- 'Transaction' – money transfer, foreign exchange, order or currency trade or currency deal, or any payment or regular payment from a payment account as appropriately designated when using the Service of MoneyPolo.
- 'Service' – is defined in clause 1.1 below. Money remittance, foreign exchange trading, the provision of payment accounts and the making of payments from payment accounts are the only services provided by MoneyPolo.
- The 'MoneyPolo website' – www.moneypolo.com or any of the other MoneyPolo domains.
The Service Provided
- The Service provided by MoneyPolo under this Agreement is limited to operating a remittance service, which can be accessed online, via branches and kiosks operated by MoneyPolo and its agents, and via third-party merchants, that allows You to order foreign currency and to send and receive multiple currency payments including from payment accounts (the 'Service').
- A full list of Our branches and branches operated by Our agents is available on the MoneyPolo website. Official documents relating to Our agents' provision of the Service are available from Our agents upon demand.
- Other services related to e-currencies and Prepaid Card products are provided under our partnership licence with the e-currency provider's, card issuing banks and their support systems provided under separate terms and conditions.
- You agree that MoneyPolo may accept instructions from all individuals who appear to MoneyPolo to be a Customer authorised to use Your Customer Account, including in accordance with clause 3.8 and 3.9 below.
- Funds will be remitted to the respective beneficiaries as identified by You.
- MoneyPolo is only responsible for funds which we hold during the process of transfer. MoneyPolo is not responsible for funds prior to instruction and/or after the delivery is completed to the beneficiary.
- You acknowledge that MoneyPolo is not a bank and as such the terms 'accounts' and 'Customer Account' refer to the Customer profile reference and not a physical deposit account and as such are not insured by any government agency;
- You acknowledge that MoneyPolo does not act as a trustee, fiduciary or escrow holder in respect of any residual balances held in Your Customer Account.
- All deposits by You should include Your Customer Account number and name as reference.
- You acknowledge that MoneyPolo does not pay interest on any money held in Your Customer Account.
- MoneyPolo will accept any payment made to it directly from a third party but will not accept cheques or cash from a third party for more than €10,000 (or the equivalent currency) unless such additional documents are provided as may be required to satisfy MoneyPolo as to the source of funds and the identity of individuals concerned in the Transaction in accordance with the money laundering legislation applicable to the Transaction. Funds received into the Customer Account by unknown/unregistered persons or organisations will be treated as coming from the Registered Customer whose payment reference has been provided.
- When You remit a payment, MoneyPolo will take the funds and any commission by debiting the funds in Your Customer Account, if any. If You have insufficient funds to carry out the payment in full, MoneyPolo will be authorised to demand the outstanding amount from You payable at your request from a debit to be made from Your designated bank account, (debit or credit card if the credit card payment facility is available) or by another method of payment as appropriate.
- MoneyPolo reserves the right, at its discretion, to restrict Your choice of funding sources for any individual payment.
- Payments made by cheque to Your Customer Account are acceptable only at the discretion of MoneyPolo and where possible should be accompanied with a copy of the sender's passport or photo driving licence so that the signature on the document can be used to verify the signature on the cheque. MoneyPolo reserve the right to request additional documentation from the cheque drawer. Traveller's cheques are not accepted. MoneyPolo will scan all cheques by an ultra violet light prior to being paid into the bank to assist with ascertaining whether the cheque is genuine.
- MoneyPolo is required by statute to make a disclosure to the National Crime Agency where MoneyPolo knows or suspects that a Transaction may involve money laundering or terrorist financing. If MoneyPolo makes a disclosure in relation to a Transaction the processing of any associated payments may be delayed for a period of time without explanation.
- MoneyPolo will not send funds to countries, jurisdictions, individuals and/or organisations against which economic sanctions are in force or to countries and/or beneficiaries to which MoneyPolo has deemed it inappropriate to send funds.
- Subject to clause 2.5 and 2.6 above, where MoneyPolo refuses to execute a payment order, MoneyPolo will notify You of its refusal and, if possible, the reasons for its refusal, together with the procedure for rectifying any errors that may have led to such refusal.
- Where MoneyPolo is either unable to confirm Your identity, suspects the identity provided is false or is not satisfied that criteria for registration have been passed, the Service may be refused, suspended or terminated without notice.
- You acknowledge that it is Your responsibility to provide MoneyPolo with Your current address details, phone number and email address and at all times maintain Your information to be current and valid and that You will immediately notify MoneyPolo if any information that You supplied changes. MoneyPolo reserves the right to ask for more information relating to Your Customer Account or source of funds (to comply with money laundering controls) at any time if the information is not provided when requested, prior to funds being transferred or You being given access to them.
- MoneyPolo reserves the right to limit the usage of the Service and to either suspend or terminate the account and return the funds to You less any costs or liabilities due (see clauses 14 and 15).
- You must complete all information requested by MoneyPolo and pass all identity and security validation and verification checks.
- You will supply to MoneyPolo, on request, a specimen of Your signature. A signature substantially resembling the specimen will be sufficient for MoneyPolo to authenticate an instruction as being from You.
- MoneyPolo will, upon request, provide to You a personal card linked to Your Customer Account and containing security details which, if issued to You, should be used as identification when instructing MoneyPolo to make a Transaction in a MoneyPolo branch, an agent's branch, or via a payment terminal.
- If You are using a payment terminal, You will be required to confirm your login details using the PIN code send to your mobile telephone. You must read and agree to MoneyPolo's terms and conditions before engaging in each Transaction using a payment terminal.
- Anyone who identifies themselves by entering the correct login email and password is thus reasonably assumed by MoneyPolo to be the Registered Customer of a particular Customer Account and all Transactions so initiated will be accepted as valid and authorised by You in respect of the Customer Account.
- MoneyPolo takes no responsibility for You sharing Your login email and password with any third party. You are obliged to take all reasonable steps to maintain the security of Your Customer Account, including keeping safe Your login emails and passwords, and any other security information relating to the Customer Account.
- If MoneyPolo deems it necessary, MoneyPolo reserves the right to require the email address and/or phone number of a beneficiary to whom You have instructed MoneyPolo to transfer funds.
- If more than one person, firm or organisation completes the Registration Form for the Service then each individual constitutes the Customer and will be jointly and severally liable (with all the individuals stated on the same Registration Form) under the terms and conditions of this Agreement and You agree that MoneyPolo may accept instructions from such individuals jointly or separately and such instructions will be sufficient authority to bind all of the individuals as Customer pursuant to this Agreement.
- You are responsible for the confidentiality of the password and e-mail login which enables You to use the Service. When registering You will be required to choose a password and use a valid e-mail address as part of the login procedure. You are responsible for protecting Your login details and the confidentiality of Your password and for any activities that occur within Your account under your Login User profile and password and You acknowledge full responsibility and indemnify us from Your negligence in its protection. Furthermore You agree to immediately notify MoneyPolo by telephoning +44 (0) 208 956 2251 of any unauthorised use of Your login user profile and password or any other breach of security.
- After informing MoneyPolo that there has been an unauthorised use of Your login user profile and password, MoneyPolo will take immediate steps to try to prevent these from being used. MoneyPolo is not liable for any loss or damage arising from Your failure to comply with Your obligations under clause 4.1.
- You may have a right against Your card issuer to have sums refunded or credited to You if fraudulent use is made of Your bank card.
- You consent to MoneyPolo recording and storing all telephone conversations with or without further informing You that it is doing so and for MoneyPolo to use the recording or transcript of the recorded conversation(s) to check any instructions given to MoneyPolo by You to resolve disputes arising between MoneyPolo and You or to use for the purposes of quality control and or staff training. You also consent to MoneyPolo destroying such recordings or transcripts if any and when MoneyPolo deems it appropriate to do so.
Payment Accounts and Payment Processes
- In the case of cash transfers effected through branches and kiosks operated by MoneyPolo and its agents, on accepting the first order from a new Customer, MoneyPolo will set up a payment account for that Customer (note that kiosks can be used only for remitting funds). For all other transfers and Transactions, the Customer will be required to register with MoneyPolo in order to create a Customer Account.
- MoneyPolo will determine whether the nature of the relationship with the Customer requires it to set up further separate payment accounts for separate contracts for better provision of the Services.
- For avoidance of doubt, each and every payment account maintained by MoneyPolo shall be held at a regulated credit institution selected by MoneyPolo and shall have the status of a Customer Account, whereby all sums from time to time credited to the payment account are treated as wholly separate from MoneyPolo's own money.
- Payments received by MoneyPolo for You will be credited to your Customer Account until such time as MoneyPolo receive your instructions to transact the funds to a beneficiary.
- MoneyPolo will only accept third party transfer payments made to it from a bank account and MoneyPolo reserves the right to ask for more information relating to the source of funds (to comply with money laundering controls).
- MoneyPolo will not accept any Transaction which does not contain the Customer's User ID as a payment reference. Any such payment will be returned to the sender, provided MoneyPolo has adequate details to return the payment, and an administration fee of £50 will be taken from the original deposit amount.
- Instructions to MoneyPolo in relation to a Transaction can be issued either in writing by post, fax or electronically online or by e-mail. MoneyPolo will be entitled to require written confirmation of any instructions by post before accepting the instructions. MoneyPolo will confirm instructions by electronic message, sending an e-mail or fax to You. Other than charges that MoneyPolo is authorised to levy in accordance with these Terms of Business or as ordered by a Court of appropriate jurisdiction, a Transaction can only be executed in accordance with the instructions of the Registered Customer (including persons whom we reasonably deem to be the Registered Customer in accordance with clause 3.8).
- You can instruct MoneyPolo to withdraw or transfer funds to a third party online via the MoneyPolo website.
- In relation to each instruction received from You, You shall facilitate payment of cleared funds into the payment account (or if there is more than one such established under clause 5.1 above, into the payment account directed by MoneyPolo). It shall be Your responsibility to ensure that prior to the intended date and time of the relevant Transaction or Transactions, the relevant payment account is in funds to the value of the currency to be transferred or sold by MoneyPolo on Your behalf (the 'sale currency') in order to secure payment.
- MoneyPolo shall not be required to settle any contract or to pay to You, or to Your order, any amount in respect of such contract without first having received, from the credit institution where the relevant payment account is held or from any broker or dealer with or through whom MoneyPolo executes currency Transactions, notice to the effect that the amount of sale currency due and payable by You to MoneyPolo in respect of the Transaction, has in fact been received.
- All payments due from You to MoneyPolo for any purpose in connection with this Agreement will be paid in full. You will have no right of set-off, counterclaim, deduction or withholding of any kind of any sum against payments at all. Payment will become due and payable on verification of the Currency trade as advised by MoneyPolo.
- MoneyPolo will apply exchange rates to a Transaction based on the live Interbank rate, which You understand and acknowledge may change from time to time throughout the course of a day. MoneyPolo reserves the right to amend the exchange rate during the course of the day in accordance with the market rates. You will be informed of the exchange rate that applies to a particular Transaction before you instruct MoneyPolo to execute the Transaction. You understand and acknowledge that, due to changes in exchange rates that occur for reasons outside the control of MoneyPolo, there may at times be some difference between the exchange rate notified to you at the time of giving instructions to execute a Transaction and the exchange rate applied at the time of processing the Transaction.
- Without limiting its rights set out in clause 6 below, where MoneyPolo has not received payment of any amount of sale currency due from You, MoneyPolo may delay the execution of an instructed contract on Your behalf until MoneyPolo has received the sale currency. If so, You are warned that MoneyPolo may sell such sale currency at the rate of exchange then prevailing (without regard to its having provided to You details of a different rate at the time of the instruction).
- The remittance of funds as part of a Transaction is executed at the earliest available time slot during the banking day or on the next banking day as appropriate. You acknowledge that funds received before 16:30 Central European Time (CET) on a business day will be processed on the same day. Funds received after 16:30 CET will be processed on the following business day. Funds that are being sent abroad will be processed according to the exchange rate applied as per clause 5.12 above.
- Banks have specified times of cut-off for the receipt and dispatch of electronic payments. MoneyPolo accepts no responsibility for any delay in onward payment attributable to the late arrival of funds or instruction of payment relative to the cut-off times of the bank at which the Customer's payment account is maintained.
- Funds will be credited by MoneyPolo to the account of the recipient's payment service provider by the end of the third business day following receipt of the payment order from You.
- Until the payment is accepted by the beneficiary or their bank, You remain the owner of those funds and MoneyPolo holds those funds as agent.
- MoneyPolo will not be able to withdraw those funds or send the funds to any other recipient without your instruction to cancel the original Transaction and reissue as a new Transaction (in respect of which, see clause 7 below).
- MoneyPolo reserves the right to withhold access to cleared funds that are incoming to a Customer Account for a period not less than eight (8) working days from receipt of the cheque to allow for bank clearing, only after funds have been cleared through our bank systems will funds be available for use by You and transmitted.
- MoneyPolo will make any payments to You under this Agreement in full but reserves the right to deduct such sums required by law in respect of taxation liabilities if any.
Netting and Set-off
- MoneyPolo will operate the Customer Account (or, where You have more than one, all Customer Accounts) on a net basis. On any given day while this Agreement remains in force, MoneyPolo will be entitled to treat all Your obligations to pay money from the Customer Account in settlement of contracts where You are the payer as netted against all Your entitlements to receive money into the Customer Account in settlement of contracts where You are the payee. MoneyPolo will have the right to settle any debt from the balance on the Customer Account without any obligation to inform you in advance of its intention to do so.
- Further to clause 6.1 it is clarified that:
- The netting and set-off therein described shall take into consideration sums of money due and receivable even if not yet received, and due and payable even if not yet paid;
- Where Services relating to foreign exchange are involved, the calculation of Your net obligations and the net position of the Customer Account or Accounts shall be reconciled in Sterling, unless another currency is agreed between MoneyPolo and You, MoneyPolo first having performed the necessary calculations of conversion from the foreign currency or currencies involved to Sterling or such other currency as may have been agreed; and
- All fees due to MoneyPolo and remaining unpaid, together with all brokerage and other charges which You are obliged to bear but which have not yet been debited, shall be treated as due and payable as part of the netting process. MoneyPolo shall, however, be responsible for payment of fees imposed by its bank.
Transfers of funds
- MoneyPolo will issue confirmation after each transfer of funds by either sending a text message to Your registered mobile telephone or by a secret message on Your registered fixed line telephone or MoneyPolo's online system. You are at liberty to choose how You wish to receive your confirmation. Delivery of the advice of transfer cannot be delayed or stopped.
- Requests for order cancellation or amendment of the beneficiary details prior to execution of the payment order will incur an administration fee of £35 due immediately at time of acceptance in addition to reimburse any other costs that maybe incurred as an result of Your request.
- MoneyPolo will not charge You for enquiries into the progress of a funds transfer once the funds transfer has been executed by MoneyPolo.
- Once a payment order has been executed in accordance with Your instructions those funds will be treated as no longer being in the possession of MoneyPolo and as such the Transaction will be non-reversible whether or not You believe the payment was an error.
- Without prejudice to the above clause 7.4, in cases where you have agreed with MoneyPolo that the execution of a payment order is to take place on a specific day, You may, however, revoke the payment order up to the end of the business day preceding the day on which You have agreed that execution of the payment order will take place.
- If You request the cancellation of a transfer of funds after completion for a reason as listed in clause 13.5 MoneyPolo cannot guarantee if or when the funds will be returned or if the cancellation will be possible for reasons outside the control of MoneyPolo such as, but not limited to, third parties' restrictions, government decree, bank refusal or the refusal of permission by a legal authority.
- If You use the MoneyPolo website to request a transfer of funds, You will have until 16:30 on the following day to load the necessary funds to the Customer Account. If the necessary funds have not been placed on the Customer Account by 16:30 on the day following the online request, the Transaction will be cancelled. If the cancellation of the transfer causes any loss to Us, We will be entitled to cover that loss through a withdrawal from the balance on the Customer Account, or by increasing Our fee for the next transfer, or alternatively by refusing to execute any further Transactions.
- A reversal can be initiated by a beneficiary (which has been agreed to between them and You). In such a case, MoneyPolo will be authorised to charge the Customer Account the fee of £35 for the return of the funds and may include costs incurred by MoneyPolo as a consequence of the reversal.
- Payments received by You via the Service are not protected against a subsequent reversal of the Transaction. Reversals can include but not limited to credit card 'chargeback' by the card issuer, bank reversal due to fraud or identity theft, bounced cheque or forgery of cash notes paid into an office or agent of MoneyPolo.
- MoneyPolo will not be obligated to accept any instruction and may use its discretion at any time following receipt of any instructions to refuse acceptance.
- MoneyPolo will have a right to terminate a Transaction without incurring any liability to You or any third party connected to You any Transaction where the price MoneyPolo quotes to You is an error.
Restrictions on Transfers of funds
- If a funds transfer is intended for the purchase of restricted and/or controlled items and/or substances and/or any prohibited or unlawful purpose, MoneyPolo can ask for evidence that You are authorised and/or have been given the authority to handle such items and/or substances and/or services.
- MoneyPolo retains the right to refuse to provide the service to You if to do so may breach:
- any applicable law;
- order of a court;
- requirement of any regulatory or governmental authority, body or agency having jurisdiction over MoneyPolo;
- or if MoneyPolo otherwise considers such action necessary to protect its interests
- MoneyPolo will wherever practicable notify You that we have done so and, unless we are prevented from doing so for some legal reason, we will explain why MoneyPolo has done so.
- MoneyPolo will not send or receive funds if MoneyPolo has suspicion that the funds are for the payment of activities including, but not limited to, unlicensed lotteries, gambling services, gambling chips or gambling credits, tobacco products, prescription drugs, drugs and drug paraphernalia, firearms and ammunition, weapons and knives, satellite and cable TV descramblers, pornography and hardcore content or services, illegal government IDs and licences, pyramid selling services, get rich quick schemes, High-Yield Investment Programs, services infringing intellectual property rights of a third-party, unregulated e-money and foreign exchange beneficiaries, payments intended for a beneficiary from a website offering gambling services where it is strictly forbidden for citizens or residents of that country to receive such payments from such websites.
- MoneyPolo will proactively de-activate any access to its systems to prevent organisations that support hatred, violence, or racial intolerance and block the same from future access to receive or send payments.
Transfer of funds abroad
- You acknowledge that when you initiate a Transaction through the service You must select the currency in which the payment to the beneficiary is to be made. The beneficiary might be able to instruct their agent or bank to convert the funds to a currency which the beneficiary requires rather than the currency selected by You. You acknowledge that MoneyPolo might make additional revenue when the funds are converted into the currency selected by the beneficiary and that You have no claim upon such income.
- At times additional terms apply to fund transfers to foreign countries in relation to the beneficiary's account number and codes and minimum payments and deductions by receiving banks for fund transfers to different accounts. The beneficiary's bank may also deduct their own charges. You are responsible for checking that Your beneficiary's bank in a foreign country will accept payment.
- To effect overseas funds transfers it may be necessary for MoneyPolo to pass Your personal information to individuals, banks or organisations in countries located outside of the European Economic Area ('EEA') that do not have laws that protect a customer's personal information.
- MoneyPolo retains the right to ensure efficient delivery using any correspondent bank or intermediary bank that we have access to.
Foreign Exchange Trades (Currency Exchange)
- No deals will be entered into on Your behalf for speculative purposes and You irrevocably warrant to Us that all Transactions being the purchase of currency are for non-speculative purposes and that You have a genuine reason for wanting to exchange currency and the purpose of the currency trade is genuine and not for the purpose of speculation on currency movements. You further irrevocably warrant that You have full capacity to instruct MoneyPolo to perform the service or place an order and that You are acting as principal only and not as an agent for any third party whose identity has not been disclosed to MoneyPolo at the time of the provision of the Service.
- You will depend exclusively on Your own expertise and opinion in determining that the currency trade is suitable for Your purposes. You will not place any dependence whatsoever on remarks, advice of any kind upon the advantages or disadvantages of a proposed currency Transaction or on information obtained from MoneyPolo in connection with or relating to this Agreement, or the opinion of MoneyPolo of the virtues or otherwise of any currency trade, taxation matters or other matters of any nature.
- Each currency trade entered into by MoneyPolo will be recorded upon and confirmed within its secure online Account Management System.
- No agreement for the Service in respect of currency exchange Transactions will come into force until confirmation from MoneyPolo (by telephone, e-mail or in writing) thereupon a legal and binding contract is formed between You and MoneyPolo to trade the relevant currencies at the MoneyPolo quoted exchange rate but only on, and subject to, the terms and conditions of this Agreement. Each currency trade, if accepted by MoneyPolo will constitute a separate severable agreement.
- In the event of any significant exchange rate fluctuations occurring between the date on which a particular contract is executed and (if different) the value date for the Transaction to which such contract relates, MoneyPolo may require You to provide additional funds to be credited to the payment account to maintain the value and level thereof at the stipulated percentage rate on the original contract note. Such funds shall be paid by You immediately and in full. Alternatively, MoneyPolo may reduce the sum to be transferred under the Transaction, without prior notification to You and without any requirement to seek Your prior approval.
Rate hold on all currency exchanges is limited to 5mins between quoted rate and payment for the purchased currency. We do however offer a 24hour Quoted Rate Lock (QRL) for any amount up to the maximum amounts in source currency as listed below
- Amounts upto 1000 EUR to PLZ, CZK and GBP
- Amounts upto 4400 PLZ to EUR, CZK and GBP
- Amounts upto 2700 CZK to EUR, PLZ and GBP
- Amounts upto 900 GBP to EUR, PLZ and CZK
- MoneyPolo may accept instructions at the weekend or other times at its discretion. Prices quoted will be based on MoneyPolo's last published exchange rate prior to the currency markets closing and in the unusual event that the exchange rate has moved significantly so that MoneyPolo cannot make a profit on the price quoted to You when the market opens, MoneyPolo will be entitled to terminate the contract and treat it as void without incurring any liability to You or any third part connected to You.
- You irrevocably undertake to take physical delivery on the Value Date (being the date that MoneyPolo forwards the currency funds to Your account) of the purchased currency after payment to MoneyPolo of the full amount of the sold currency for each trade as stipulated by MoneyPolo and to pay such further sums required to be paid by MoneyPolo pursuant to the terms of the currency Transaction at the discretion of MoneyPolo.
- All funds provided by You as security for Foreign Exchange Deals may be used to settle any costs, losses or liability arising including, reversal of a deal note due to non-payment, trading fees from banks currency clearing. Also MoneyPolo may at its sole discretion offset any monies held against any costs, losses or liabilities that MoneyPolo incurs in connection with or arising out of any Currency trade that You may have with Us, however You may not insist on MoneyPolo doing so.
- Fees charged by MoneyPolo may change from time to time. MoneyPolo reserves the right to personally agree a fee with each Customer.
- You will be informed of the fees applicable to a particular Transaction before you instruct MoneyPolo to execute the Transaction. Fees for online Transactions can be checked on the MoneyPolo website.
- You accept responsibility for and ultimately agree to pay the fee for each Transaction, any and all fees are due immediately. If You are unclear as to any fee, then You should contact MoneyPolo Customer Support on telephone number: +44 (0) 208 956 2251.
- You must pay for the amount to be transferred and the relevant fees by using either wire transfer, CHAPS, BACS, or a cheque (in respect of which, see clause 2.4) from the Customer's Bank Account (or by card payment, if credit card or debit card facilities are available then payment can be taken by either, note card payment facilities are not always available).
- Every time You utilise the Service and pay by credit or debit card You authorise MoneyPolo to charge Your card for the amount of money to be transferred and all associated fees in connection with the related Transaction before MoneyPolo executes the Transaction. The amount to be charged to the card will be notified to You prior to the final authorisation of the Transaction.
- MoneyPolo reserves the right to decline to receive funds from credit or debit cards which are not Visa, MasterCard, JCB or Maestro cards at its discretion.
- You accept that the Financial Services Compensation Scheme (FSCS) does not apply to funds stored on your Customer Account and that there is no other voluntary or compulsory scheme of which MoneyPolo is a member that compensates MoneyPolo account holders.
- MoneyPolo might be required to report to a jurisdictional tax office in the case of the remittance funds exceeding certain amounts.
- MoneyPolo reserves the right to require written confirmation of any instruction from You and a signed copy of this Agreement.
- The Consumer Protection (Distance Selling) Regulations 2000 (as amended in 2005) apply to online contracts. This means You have the right to cancel this Agreement within fourteen days beginning on the day after You accept the terms and conditions of this Agreement. You can cancel by contacting MoneyPolo by e-mail at: email or by fax to: +44 (0) 20 8397 4818 or by telephoning MoneyPolo on: +44 (0) 20 339 74034.
- If You have a complaint or concern, please refer to our Complaints Policy.
- This clause and its sub-clauses set out MoneyPolo's entire liability to You for any claim for losses, costs (including legal costs), damages, expenses, taxes, charges or any other liability howsoever caused (the 'Claim').
- Any Claim made by You or a beneficiary must be supported by all relevant documentation in connection with the claim.
- MoneyPolo will not be liable to You for any claim resulting from Your non-compliance in connection with any obligation You have under this Agreement.
- MoneyPolo will not be liable for fraudulent instructions given by anyone posing as You.
- MoneyPolo will not be liable for loss or damage to You or any third party caused or resulting from:
- any error regarding a beneficiary or amount or any other such error or incomplete instruction received from a Customer or incorrect details on the Registration Form;
- a payment to an incorrect beneficiary deemed to have been the correct beneficiary by offices of the institutions concerned; or
- Any omission or error made by You, on a Foreign Exchange contract note, must be informed to MoneyPolo in writing within 1 day (24 hours) from when the contract note was issued.
- MoneyPolo will not be liable for loss or damage to You or any third party caused or resulting from:
- the goods or services which You pay for by using the MoneyPolo's Service;
- consequences arising out of computer viruses caused by third parties;
- any unauthorised use or interception of e-mails and such on line media;
- unauthorised use of or access to data relating to a Transaction held by Us unless use is due to the failure of MoneyPolo to comply with laws relating to the protection of Your data; suspension of MoneyPolo's online service;
- computer hackers gaining access to MoneyPolo's secure website;
- any damages resulting from a recipient's decision not to accept a payment made through MoneyPolo;
- any errors or omissions on the MoneyPolo website.
- MoneyPolo will not be liable for any charges or deductions made by a third party in the processing of Your payment.
- MoneyPolo accepts no responsibility for and will bear no liability in respect of any delay in onward payment, late arrival of funds or instruction of payment relating to the cut off times of any bank or such delay attributable to the bank or any other third party.
- MoneyPolo will not be liable for any loss of Your funds due to a crash of any bank.
- MoneyPolo will not be liable to You or any third party for any delay or non-performance of its obligations under this Agreement arising from any cause or causes beyond its reasonable control (force majeure circumstances) including, without limitation, any of the following: fire, flood, storm, Act of God, war, governmental act, explosion, civil commotion, riot, failure of computer equipment or communications systems, malfunction losses or delays in transmission in communications which might affect the accuracy or timeliness of a message You send to MoneyPolo, industrial dispute of a third party, strikes, lock-out and other industrial action, or any cause due to overseas correspondent banks, other banks or intermediaries handling the funds in accordance with the customs and practices of the locality where they transact business.
- MoneyPolo will have the right to refuse to perform the Service without giving a reason. MoneyPolo will not be liable to You for any losses or damages suffered by You or those of any other party resulting directly or indirectly from such refusal.
- MoneyPolo will not be liable to You arising out of any Transaction pursuant to this Agreement by reason of any cause including contract, negligence, tort, breach of statutory duty or otherwise save for direct loss caused by the negligence of MoneyPolo in performance of a Transaction.
- Notwithstanding anything in this Agreement, in no circumstances will MoneyPolo be liable for special damages, loss of profits, goodwill, contract, business, anticipated savings, loss caused by the act, omission, failure or delay of any third party in the transmission, provision or delivery of any Service or any special, indirect, incidental or consequential loss regardless of the form of action (including loss or damage suffered by You as a result of an action brought by a third party) even if such loss was reasonably foreseeable or was or was not in the contemplation of the parties at the date of this Agreement or MoneyPolo was advised as to the possibility thereof.
- Without prejudice to clause 13.13 above and any other clause in this Agreement and subject to the provisions of this clause MoneyPolo's total aggregate liability to You for any liability incurred in connection with this Agreement will not exceed the lesser of (a) the amount of any service charge or (b) £400.
- The limitation and exclusion of liability for currency trade is set on the basis that You know that the foreign exchange market is volatile and if You did not this statement has drawn this fact to Your attention.
Customer's Liability, Warranties and Undertakings to MoneyPolo
- You hereby warrant that you are not violating any law or regulation by your use of MoneyPolo's service and undertake not to use the service for or in connection with our restrictions (clause 8) or for any illegal or criminal activity.
- You hereby indemnify MoneyPolo against any and all liability to third parties that might arise from Your use of the Service.
- You hereby undertake to take all reasonable steps, including through financial compensation to MoneyPolo, to rectify and damage to the name, brand, goodwill and business of MoneyPolo that might arise from Your use of the Service.
- You hereby undertake to be exclusively responsible for the instructions that you give to MoneyPolo and any loss suffered for any error in your instructions.
- You can elect for any payment charges made by third party intermediary banks and beneficiary banks to either be paid by the Beneficiary 'BEN' or that all charges are to be paid by the Sender 'OUR' or that Shared 'SHA' the sender and the beneficiary will share the charges; and You hereby undertake that regardless of whichever selection is made it will indemnify MoneyPolo against any such charge.
- If you are natural person, You warrant that You are 18 years of age or over.
- You undertake not to provide false, inaccurate, incomplete or misleading information to MoneyPolo.
- You undertake to only provide details of a name, bank account, credit card or debit card details that you are legally permitted to use.
- You hereby indemnify and irrevocably undertake that You will keep MoneyPolo indemnified and will immediately indemnify MoneyPolo against any and all costs, losses whether consequential losses or otherwise and against claims, liabilities incurred or suffered by MoneyPolo arising or in connection with the proper performance of the Service and in the enforcement by MoneyPolo of its rights hereunder including legal costs incurred in connection with enforcement of this Agreement and in connection with any dispute or difference arising under this Agreement that is resolved in favour of MoneyPolo.
- You undertake irrevocably to indemnify MoneyPolo from any cause or causes and in particular, without prejudice to the generality of the foregoing, in respect of all amounts necessary to compensate MoneyPolo for any and all liabilities sustained or incurred by MoneyPolo (including, but not limited to, MoneyPolo's loss of profits) as a result of or in connection with third party banks or similar entities, clearing house, regulatory body or bodies and any third party claim resulting from MoneyPolo doing and carrying out all and any measure and steps to carry out your instructions in connection with a funds transfer whether the instructions are given online or written, sent by fax, post, e-mail or otherwise from or purporting to be from You.
- You may give MoneyPolo written, verbal or online instructions entirely at Your own risk and You will fully indemnify MoneyPolo and keep MoneyPolo fully indemnified against any losses that MoneyPolo may incur as a result of accepting instructions from You or instructions that MoneyPolo believes have come from You
- MoneyPolo will be under no obligation to make enquiries as to whether the instructions are genuinely from You if MoneyPolo reasonably believes that they are and You agree that MoneyPolo may accept such instructions as being genuine and You also agree to be bound by the terms and conditions of this Agreement in connection with such instructions.
- For the avoidance of doubt if any transfer of funds in connection with this Agreement is terminated in accordance with the provisions of this Agreement Your liability to indemnify will not terminate.
- You acknowledge MoneyPolo does not ensure the quality, safety or legality of the Transaction You are undertaking. MoneyPolo does not have any responsibility for any goods or services for which You pay using the MoneyPolo Service and You warrant being liable for any charges, taxes or other duties in relation to such goods or services.
- You undertake when using the services of MoneyPolo to transfer funds to a beneficiary who is not registered as a Customer of MoneyPolo to accept the provisions of clauses 13 and 14 and the sub-clauses thereof in this Agreement on behalf of the beneficiary.
- You warrant that You have read and understood MoneyPolo's Privacy Policy.
- The warranties in this clause 14 are deemed to be repeated at every point at which You provide an instruction to MoneyPolo to undertake a Transaction.
- If MoneyPolo has made attempts to contact You using the contact details You have supplied but cannot make contact with You, MoneyPolo will be entitled to terminate the Transaction immediately and without notice to You notwithstanding and without prejudice to any other remedy and power available to MoneyPolo and without liability of any kind being incurred by MoneyPolo for so doing. In such a situation You will remain liable for any losses incurred as a result of such termination.
- In respect of late payment of any sum due to MoneyPolo pursuant to this Agreement MoneyPolo will charge You the minimum of £10 a day for each day that the payment remains unpaid or interest on an APR equal to ten percent above the Bank of England base rate calculated daily.
- MoneyPolo will be entitled to charge compound interest on balances due for any default in or late payment by You of any sum under this Agreement when due and any breach by You of the terms and conditions of this Agreement.
Duration and Termination
- This Agreement shall operate for as long as Your Customer Account is open, unless terminated in accordance with the remainder of this clause 15.
- You may close your MoneyPolo account by giving by giving 5 days' notice to MoneyPolo, using any of the means set out in clause 12.4 above.
- If You terminate the Agreement You will not be able to use the Service. If You have sent funds to Us, we will refund the amount less our costs and the cancellation charge, however if MoneyPolo has already paid the funds to the beneficiary then we will not reimburse You.
- If Your Customer Account has been dormant for 12 months then it will be closed and the Agreement will be deemed terminated by You.
- In all other cases, and subject to clause 15.8 below, MoneyPolo will give you two months' notice of termination of the Agreement.
- Notice will be given by You or by MoneyPolo using any means set out in clause 3.2 above (except for the case of distance selling, for which see clause 12.4).
- If the Agreement has been operating for 12 months or more at the time of termination, then no charge will be made for termination of the Agreement. In all other cases, MoneyPolo are entitled to levy charges upon You for the termination of the Agreement that reasonably reflect the actual costs incurred in by MoneyPolo in terminating the Agreement.
- MoneyPolo can terminate this Agreement and or suspend the Service immediately without notice to You and without incurring any liability to You or any third party connected to for any loss caused to You if:
- You materially breach any of your obligations under this Agreement;
- You are materially in breach of any applicable statute, regulation or rule;
- it becomes or may become unlawful for MoneyPolo to maintain or give effect to all or any of its obligations under the Agreement or otherwise to carry on the Service, or if MoneyPolo is requested to stop a Transaction (or any part thereof) by any regulatory body or other authority that has jurisdiction over MoneyPolo's activities whether or not the request is legally binding or if MoneyPolo in its absolute discretion considers it desirable or necessary to do so for its own protection;
- MoneyPolo has any cause or obligation imposed by law contained within but not limited to Money Laundering Regulations, Transfer of Funds Regulations, PS Regulations, or Proceeds of Crime Regulations;
- You are unable to pay Your due debts, or are adjudicated bankrupt, or commit any act of bankruptcy, or propose or enter into a form of composition or arrangement with Your creditors generally, or permit an execution of distress to be levied on any of Your goods, or become insolvent, or if a receiver is appointed, or You go into administration or liquidation whether compulsory or voluntary;
- executing any Transaction would expose MoneyPolo to liability against which MoneyPolo is not protected;
- MoneyPolo reasonably believes that You have become incapacitated by mental or physical ill health;
- anything set out above or anything similar occurs or anything contrary to the laws of any applicable jurisdiction;
- there are reasons to believe that Your Customer Account has been used in connection with unauthorised or unusual credit/debit card or bank account use, including without limitation, notice of this by Your bank or credit/debit card bank or credit/debit card company;
- If You become conscious of any such event referred to in clause 15.8 or any of its sub-clauses, You irrevocably undertake that you will advise MoneyPolo of the event immediately.
- If MoneyPolo has to terminate any transaction it may (as well as for any other reasons set out in this Agreement which would allow MoneyPolo to do so) retain all or any of Your funds if required to do so by law and deal with Your funds as ordered by a Court or other body of competent jurisdiction.
- In addition to the rights of MoneyPolo above, MoneyPolo shall have the right to close any contract by entering into an equal but opposite contract or, at its absolute discretion, by any other actions deemed necessary, or to terminate this Agreement in its entirety, in each case without any further liability for any loss or otherwise in the event of any of the following:
- any default of payment by the Customer of any sum due to MoneyPolo (or failure to promptly credit the payment account with such sums and in such currencies as MoneyPolo may notify to the Customer);
- any other breach by the Customer of this Agreement;
- if You are declared bankrupt or in liquidation or any form of insolvency or administration procedure or You enter into an arrangement with Your creditors or You are unable to pay Your debts as they fall due (as defined in section 123 of the Insolvency Act 1986);
- MoneyPolo considers it desirable to do so for its own protection or for the protection of its other Customers.
- Where in accordance with clause 15.8 MoneyPolo terminates this Agreement, MoneyPolo will produce a summary statement of Your net position, calculated in accordance with clause 15.11 and MoneyPolo will be entitled to a full indemnity from You in relation to all costs incurred by MoneyPolo in reversing or otherwise terminating all contracts still subject to execution.
- The provisions of clauses 13 and 14 will survive termination of any instruction, completion of any Transaction or termination of this Agreement.
- This Agreement comprises the entire understanding between MoneyPolo and You. No other statement, written or oral communications between MoneyPolo or You made prior to this Agreement whether relating to it or otherwise, including statements in any brochure or promotional literature of MoneyPolo will be incorporated into this Agreement or have any legal effect provided that neither MoneyPolo nor You will benefit from excluding liability for fraudulent misrepresentation or acts of fraud.
- MoneyPolo may at any time in the future change the terms and conditions of this Agreement by publishing the proposed new terms and conditions and the date on which the proposed change will take effect (the 'proposed date of change') on the MoneyPolo website.
- You acknowledge and agree that You will regularly review the MoneyPolo website for any amendments or variations to these terms and conditions.
- Where such terms are not expressly accepted by You, You have the right to terminate the Agreement immediately and without charge before the proposed date of change. Your continued use of the Service after the proposed date of change will be deemed an acceptance by You to be bound by any such modification to this Agreement.
- Any notice in writing to You sent by email and signed (including electronically signed) by a director of MoneyPolo with amendment of the terms and conditions of this Agreement will also be binding upon You (but in these circumstances only with Your consent) from the date on which notification of the any change is sent to You. If you continue to use the Service after such notification, you will be deemed to have consented to changes notified to you in accordance with this sub-clause.
- No addition to or variation of these terms and conditions will be binding on You unless notified to you in writing signed by a director of MoneyPolo or published on the MoneyPolo website. Other than as provided for in this sub-clause, no employee or agent of MoneyPolo has any authority to vary these terms and/or conditions orally or to make any representation on behalf of MoneyPolo as to their effect.
- Any amendment to the terms and conditions of this Agreement however published will not be retrospective or affect any rights or obligations that may already exist in respect of any ongoing instructions.
- Any provision or part thereof of this Agreement which is or may be illegal, void or unenforceable will be treated as severable from the remainder of this Agreement and the remainder of the provision in question and will not affect any other provisions, terms or conditions of this Agreement all of which will continue in full force and effect as if the affected provision or part thereof had been removed.
- MoneyPolo retains the right to transfer, assign or delegate its rights and/or responsibilities in whole or in part under this Agreement to an affiliated company, or any third party, at any time without Your consent unless such transfer would reduce Your rights and/or remedies or increase Your responsibilities and/or liabilities under this Agreement. You may not transfer Your rights and/or responsibilities under Your agreement with Us without Our prior written consent.
- The Contracts (Rights of Third Parties) Act 1999 will not apply to this Agreement and accordingly nothing in it will be directly or indirectly enforceable by any third party, nor is it intended to confer a benefit on any third party. However, clauses 7, 9, 13, 14, 16.10 and 17 will operate for the benefit of, and accordingly be enforceable by virtue of the Contracts (Rights of Third Parties) Act 1999 by Our affiliates and agents. This Agreement with You may be changed or terminated without the consent of any such affiliate or agent.
- Failure by MoneyPolo to exercise any right or of any delay, forbearance or indulgence in exercising any right, power or remedy under this Agreement by MoneyPolo will not operate as a waiver of that right, power or remedy or preclude its exercise at a subsequent time.
- Where there is a conflict between any of the provisions of this Agreement with any other documentation produced pursuant to this Agreement then the provision of this Agreement will prevail unless MoneyPolo specifically agrees in writing signed by a director of MoneyPolo that such other documentation and information will have priority in whole or in part or where the provisions of this Agreement have been modified pursuant to clauses 16.3 to 16.8 inclusive above.
- Implied terms are excluded from this Agreement to the extent permitted by law.
Applicable Law
- The formation and construction of this Agreement will be governed and construed in all respects in accordance with the laws of England and Wales, regardless of which country this Agreement was signed or agreed in.
- MoneyPolo and the Customer hereby agree that any dispute or legal issue including those in connection with formation, construction or performance arising in connection from this Agreement will for all purposes be determined by the law of England and Wales and considered exclusively by the English and Welsh Courts who will have sole jurisdiction over this Agreement, its terms and conditions and trades made under it and the decision(s) of such court(s) will be binding on both parties.
HM Revenue & Customs MLR No 12492642
Data Protection Number Z2309500


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Imagico UVF Masterbatch YM Yellow 14
- Datasheet (英語)
Imagico Pvt. Ltd.目前只在以下作出標識的區域展示其產品資料:
Imagico UVF Masterbatch YM Yellow 14 is a highly pigmented UV dispersion masterbatch for the EB and UV curable coating and printing inks that has high pigmentation, high gloss, good storage stability, ease of handling, pourable fluid consistency, stir in incorporation, and wide compatibility with letdown ingredients. This masterbatch has been explicitly formulated to certify that it offers the ink and coating maker maximum formulation flexibility and ease of processing and incorporation. The specific selection of acylate monomer TMP(EO)3TA allows formulating screen inks and flexo that show lower migration. Imagico UVF Masterbatch YM Yellow 14 has a viscosity of 55 to 110 KU and a pigment solid of 30%.
Imagico Pvt. Ltd. is a leading manufacturer and supplier of Colorant Systems, Nano dispersions and Pigment Pastes for paints, inks, textiles and various other industrial applications. Their products offer UV dispersion for the EB and UV curable printing inks with high pigmentation, high gloss and good storage stability. Imagico has the ability to innovate new products and applications and can optimize production per customer requirements.
Imagico Pvt. Ltd.
希望在賽百庫經銷商/貿易商板塊進行展示推廣?請立即聯絡我們 !

subset: commoncrawl


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Proposal A: An Analysis of the June 2, 1993, Statewide Ballot Question
In 1993, Michigan voters were asked to consider a plan that would cut property taxes and cap property assessments, raise the sales tax, and establish a $4,800 per-pupil guarantee for the public schools. "Proposal A" was defeated, but not without intensive debate in which this study figured prominently. The report identifies both pros and cons of "A," including independent, in-depth analysis of its likely impact on the state budget, schools, and property owners. Although "A" is now consigned to the history books, this study is a useful tool for understanding school finance, the economics of property taxation, and related constitutional questions. 40 pages.


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GSA raises its own energy efficiency standards
The General Services Administration is raising the bar to increase the energy efficiency of all of its new federal building construction projects.
Projects must achieve LEED Gold certification, the second-highest rating from the U.S. Green Building Council's LEED program.
Previously, federal building projects needed to be certified at the LEED Silver level, the third-highest rating, or higher. Robert Peck, commissioner of GSA's Public Buildings Service, said that better-performing government buildings can have a substantial environmental impact.
"This new requirement is just one of the many ways we're greening the federal real estate inventory to help deliver on President Obama's commitment to increase sustainability and energy efficiency across government," Peck said in a news release.
For projects funded before fiscal 2010, LEED Gold standards will be incorporated wherever possible.
New leased GSA spaces still require only LEED Silver certification.


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First Minnesota Mountaineers
Welcome to our Big Climb MPLS team fundraising page!
Big Climb MPLS is The Leukemia & Lymphoma Society (LLS) Minnesota Chapter's annual stair climbing event to raise awareness and funding for groundbreaking research and treatment options to eliminate blood cancer.
On Feb. 17, 2018, our team will take on the tallest vertical challenge in the Upper Midwest by climbing Capella Tower!
Please support our team in this challenge by helping us reach our fundraising goal. By giving a donation today, you can help bring us closer to a world without blood cancer!
Money raised at Big Climb MPLS helps LLS fund treatments for patients who are suffering from all forms of blood cancers. LLS helps save thousands of lives every day and the research LLS funds is helping to find new treatments and cures for all types of cancers.
Please make a donation to continue to help save lives and fund vital research.
For more information about LLS, please visit lls.org.
Thank you!


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Bamburry Surname Ancestry Results
Our indexes 1000-1999 include entries for the spelling 'bamburry'. In the period you have requested, we have the following 1 record (displaying 1 to 1):
Try these...
bamb'ro'h bambrogh bambroof bambrook bambrooke bambrough bambroughe bambrouhj bambrow bambruge bambrughe bambry bambrygg bambur bamburc bamburch bamburg bamburg' bamburgh bamburghe bamburue bambury bamburys bamcklow bamdas bamder bamdon bame bameau bamebir' bamebrage bameforth bameham bamens bament bamer bamerjee bamerston bames bamesly
These sample scans are from the original record. You will get scans of the full pages or articles where the surname you searched for has been found.
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Research your ancestry, family history, genealogy and one-name study by direct access to original records and archives indexed by surname.


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Manchester City have been boosted by the news that full-back Pablo Zabaleta will be fit in time for Saturday's FA Cup fourth round clash with Stoke.
The Argentine limped off an hour into his side's 2-0 win over Fulham at the weekend after coming off second best from a crunching tackle.
However, the defender has now confirmed that he will be available for the upcoming meeting with the Potters.
"I took a kick on the top of my foot which caused me a lot of pain afterwards and that's the reason it was better that I came off," he told the club's official website.
"Thankfully, the scan showed there was no serious damage. I should be fine for Saturday but it will be a couple of days before it is 100% again.
"I did some bike work on Monday morning and on Tuesday I will try some running so I'm sure I will be available for the game against Stoke."
The former Espanyol right-back received a rapturous ovation as he left the field injured, and thanked the club's fans for their support.
"It was a brilliant ovation as I came off from a fantastic set of fans," he said.
"I'd like to thank them for that and say that it means so much that people recognise and appreciate that you're giving 100% for the club and that's what I will always do for City."


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Hurom HH Series Premium Slow Juicer/Smoothie Maker
Item: Hurom HH Series Premium Slow Juicer/Smoothie Maker
Price: $399.95
Overall Impression: This excellent juicer has gotten even better.
The Hurom Slow Juicer became one of my favorite kitchen appliances a few years ago, so I was curious to test out Hurom's new Premium Slow Juicer/Smoothie Maker. Would I want to ditch the old one in favor of this latest and greatest model? And what's this about making smoothies, too...?
The Review
Characteristics and Specs: The Hurom HH Premium Slow Juicer/Smoothie Maker is a masticating juicer that can also make smoothies, soy milk, and purees like baby food. This BPA-free appliance measures 6.4 x 9.8 x 15.7 inches and weighs 14.77 pounds. Made in Korea. 150-watt motor with a 10-year warranty. Several new features have been added to the original Hurom juicer design:
- Adjustable pulp control lever and juice cap
- Two strainers: fine and coarse
- Ounce and milliliter measurements on the side of the bowl
- Nesting pulp and juice containers
- Hopper lid to keep juicer clean when not in use
- Self-cleaning feature
- Two cleaning brushes, which are more precise than the previous one
As I mentioned, I'm a fan of the Hurom Slow Juicer, and the things I love about it are also applicable to the new HH Series Premium Slow Juicer/Smoothie Maker. A masticating juicer, it slowly crushes and squeezes juice out of fruits and vegetables, resulting in a deliciously smooth juice with minimal foam. Now, with the adjustable pulp lever, you can also choose to include some of the fiber in your juice. It's quiet during operation and fairy easy to clean afterwards — this model even more so. (For self-cleaning, you close the juice cap, fill the bowl with water, and run the juicer. Manual cleaning is often still necessary, but this step helps.)
What really intrigued me was the new smoothie feature. How great would it be to make pulp-free juices, alternative milks, and smoothies in one appliance? Unfortunately, it doesn't look this will fully replace the blender. Although the juicer can process frozen fruits, yogurt, milk, avocados, and other smoothie ingredients, it's kind of fussy, especially with frozen ingredients. Smoothie components must be cut to proper sizes, added slowly, and with the proper amount of liquid or the machine can jam. It's doable, but certainly not a quick, "throw everything in and press start" experience — which is what I often want when I'm making a smoothie.
I also ran into the jamming problem a few times when making juices with the juice cap closed and/or the pulp lever set to closed. I think it's universally recommended to add juicer ingredients slowly, but it becomes especially important when the juice and pulp aren't flowing freely out of the bowl. Though not at all intolerable, the Premium Hurom's new features make it a bit finicky compared to the original model.
If you're in the market for a juicer, I'd recommend this one, even if it's more expensive than the older Hurom model. The new features are well thought out and useful. However, if you're like me and already own a Hurom, an upgrade probably isn't essential.
Find It! Hurom HH Series Premium Slow Juicer/Smoothie Maker, $399.95 at OriginalSlowJuicer.com
Related: Product Review: Hurom Slow Juicer
Apartment Therapy Media makes every effort to test and review products fairly and transparently. The views expressed in this review are the personal views of the reviewer and this particular product review was not sponsored or paid for in any way by the manufacturer or an agent working on their behalf. However, the manufacturer did give us the product for testing and review purposes.
(Images: 1. Hurom; 2-5. Emily Han)


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Table Talk 021: A Theology of Singing
Monday, November 7th, 2011
Mike Reeves chats about a theology of singing with pastor and worship leader Bob Kauflin. Why does the Bible command us to sing worship to God? How should a worship leader deal with pride? What is the role of the worship leader?
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What happens when you take Winona Ryder, Brad Pitt, Johnny Depp, the Queen of Morocco, an auto mechanic, and a panther and put them together in a museum?
For Robert Wilson, the answer is a fresh way of looking at art, and at the big, busy, brash modern world outside.
The Museum of Art at the University of Iowa has assembled a collection of Wilson's work – likenesses ranging from celebrities to poets, from authors to dancers and ordinary people (and animals). The portraits, shot in high-definition video, mount vertically on large plasma monitors, installed in collaboration with VOOM HD Networks, a corporation based in New York. A few hang in the Legion Arts building up the road, in Cedar Rapids. (Both exhibits run through March 30.)
But these are not your typical Renaissance portraits. They move. Not by much: there are blinking eyes, mouths chewing gum, and wind-blown dresses. The familiar figures become a bit unfamiliar and, in some cases, outright strange.
Stepping away from the paint and canvas of the traditional artist, Wilson uses the high-definition canvas of the 21st century. If the portrait painters of the past invited a quiet gaze to map the intricate detail of such still lifes, Wilson has created a new kind of portraiture.
Museum director Howard Collinson says that Wilson's VOOM work is an "amalgam of theatre and the visual arts, and that's what makes his work unique. Each piece can be seen as a small production."
"It's definitely the art of the next century," says Mimi Getachew, a graduate student at the University of Iowa. "When we think of artists we think of old paintings... . Things that are untouchable. This is art for our time. [Wilson] created it during my generation, and during my generation I got to experience it."
Johnny Depp stands before a bright pink wall, wearing a hat with a fur delicately wrapped around his shoulders and face as he stares back at the viewer, occasionally chewing gum. We simultaneously hear the barking of a dog, a ringing phone, a violin, and Wilson speaking lines from T.S. Elliot.
Brad Pitt, in his underwear, stands in blue light in front of a brick wall as falling rain washes over him. The rain stops, and Pitt slowly raises a water gun, and shoots it toward the camera. We hear his voice chanting, "Ready or not, here I come."
"The reason I work as an artist is to ask questions," Wilson says. "That is to say, What is it? And not to say what something is. For if we know what it is that we're doing there's no reason to do it."
The first thing one notices is the stillness. Many visitors to the opening night gala at the museum thought the images were still photographs, until the subject blinked or moved a finger.
Susan Karlman, a museum patron, says she spent a long time staring at a portrait of an auto mechanic, before picking up on a host of tiny movements.
"All of a sudden it started to teeter a little bit back and forth and I wasn't sure if it was me or the picture," she says. "Then, a short while later, it started blinking. So I thought, okay, it's not just me!"
It's these subtleties that Wilson, a career artist, is trying to capture.
"Sometimes, when we're very, very still, we're more aware of movement than when we make a lot of movement outwardly," Wilson says. "So these portraits are exploring this inner movement. It's about a way of listening inside."
Theatre icon of the world stage, Wilson's oeuvre spans from the ground-breaking Philip Glass opera, "Einstein on the Beach" (1976) and hip musical "The Black Rider" (William S. Burroughs and Tom Waits) to classic works of Shakespeare and Wagner's operas. His style is marked by controlled movement and stillness within movement – beauty contained and delineated through formal lines and shapes, Wagnerian in scope but containing John Cage's sensibility for silence.
Raised in Waco, Texas, Wilson dropped out of business school in Austin to study architecture at the Pratt Institute in New York City. The career change came after listening to a lecture by the United Nations economist Noel Muno, who discussed the importance of art to the cultural life of nations. Wilson has since directed projects world-wide, working with performers throughout Europe, Norway, the Middle East, and even Bali.
"My work has always dealt with a kind of space that allows one to daydream... to go to a space that's quiet, that's more meditative," Wilson says during an interview here at the University of Iowa. "People are looking for more of those kinds of spaces as alternatives" to mainstream media.


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From the collection Universal Military by Our Lady of Lourdes.
Military inspired chic is as old as fashion itself, -- but this season it is launched into the future, with molded shapes, feminine curves, fierce accessories and a sharp warrior attitude.
Fine wool suiting shot through with elastane threads add ease of movement for the modern woman.
Skirt features:
* Box pleat frill in twelve pressed pleats
* Extended high waist
* Six military-inspired metal buttons
* Seams bound on inside for luxury finish
Designed by Lourdes Torres of Our Lady of Lourdes
Photographed by Andreea Waters of Kai and Gipsy
Model Sarah Atallah
Hair and Make up Akihisa Yamaguchi
Ideal in stretch wool, wool suiting, wool poplin, brocade or canvasWATCH HOW TO CREATE YOUR OWN UNIQUE LOOKS AND COLLECTIONS


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Restoring mortgage sanity
With tighter lending standards, what does it take to buy a house?
Will consumers who take out a mortgage have a better shot at actually being able to repay that mortgage under some new rules?
Long before the financial meltdown, the question would have seemed silly. Who, really, would give you a mortgage if you had no chance ever of making the payments on it?
Unfortunately, we learned the answer to that the hard way. Plenty of lenders made mortgages to people who could not pay the money back. Worse yet, thousands of troubled homeowners discovered they could not sell the house to cover what they owed once bad times hit.
"We had a housing market that was reckless about lending money," said Richard Cordray, director of the Consumer Financial Protection Bureau, in a statement.
The assumption was that home values would always go up. Lenders could off-load virtually any mortgage onto the secondary market, no matter what.
Granted, since the housing bubble burst, it's been far tougher to get a mortgage as lending standards shifted to a tighter extreme.
Now, finally, experts say we're in the early stages of a housing recovery. But consumers might be wondering what it will take to make it easier to get a mortgage.
So there are concerns if new restrictions could contribute to making mortgages hard to get and if low-income families would face greater difficulty.
The consumer watchdog agency is inviting comment on proposed amendments that would offer some exemptions to the new rules, such as exempting nonprofit creditors that work to help low- to moderate-income consumers obtain affordable housing.
The new "ability-to-repay" rule won't take effect until a year from now. It's designed to help ensure that "responsible consumers get responsible loans," according to the consumer watchdog agency.
The consumer bureau was created under the 2010 Dodd-Frank Act, which addressed the troubles created in the financial meltdown.
Michael Calhoun, president of the Center for Responsible Lending, said in a statement that the new rules strike a balanced approach, for the most part.
"The rules preserve legal protection for borrowers with the riskiest loans," he said.
In the past, Calhoun said, some families were too often steered into abusive financial products.
The American Bankers Association noted that the rule will still provide most consumers access to safe credit but also warned that the rules would transform lending practices and could restrict access to credit for some consumers.
A qualified mortgage under the ability-to-repay system is one that meets certain standards to indicate the borrower should be able to repay that loan; lenders would have more protection in the case of legal disputes if they followed the standards. Lenders could make loans that aren't qualified, but some experts say that's not likely.
Under the new system, loans that meet separate federal standards also would be permitted for the first seven years. There's no rule here setting a minimum down payment for the house or a minimum credit score.
Under the ability-to-repay rules, creditors would have to consider a borrower's income and employment, among other factors.
The general rule requires monthly payments be calculated based on the highest payment that will apply in the first five years of the loan.
Teaser rates would not be able to mask the true cost of a mortgage, according to regulators.
The lender would need to consider the consumer's ability to repay both the principal and the interest over the long term.
A borrower's total debt payments could not exceed 43 percent of their pre-tax income. The idea is that a borrower would not be granted a qualified mortgage if 43 cents of every dollar of income must be dedicated to debt payments, including a mortgage.
Many loans made recently already meet that standard, according to regulators.
Such rules are part of the backlash of a market gone wild.
Cordray pointed out some housing stories in his statement.
The bureau heard from a Michigan couple with credit scores in the 800s who wanted to refinance their home at current low rates.
The home is now worth much more than the original mortgage loan.
Yet, Cordray noted, the Michigan couple said they could not get approved because there were no comparable sales in their neighborhood during the previous 12 months.
Will the ability-to-repay rule help get the mortgage market back on track? Maybe bring more clarity to the process? We can cross our fingers as lenders double-check the numbers.
Susan Tompor is the personal finance columnist for the Detroit Free Press. She can be reached at email@example.com.


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Lockhart v. M/V Friend-Ship et al
Plaintiff: Daniel L Lockhart
Defendant: M/V Friend-Ship, Donald L. Gentry, Velda Buzga and Friendship Charters LLC
Case Number: 2:2018cv00549
Filed: April 13, 2018
Court: Washington Western District Court
Office: Seattle Office
County: Snohomish
Presiding Judge: John C Coughenour
Nature of Suit: Marine
Cause of Action: 28:1333
Jury Demanded By: None
Available Case Documents
The following documents for this case are available for you to view or download:
|Date Filed
|Document Text
|November 27, 2018
|MINUTE ORDER re parties' 15 Stipulation and Order to Dismiss. This stipulation is self-executing, and this action is DISMISSED with prejudice and without an award of costs or attorney fees to any party. Authorized by U.S. District Judge John C Coughenour. (TH)
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TFC Home Services178 Feedback reviews, 98% positive
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Hi Ho All
I can't believe it: I don't get it; I don't know what else to do. In the doctor's letter, he wrote that I have "extensive syringomyelia and will require and electric wheelchair in the near future". I went to all their tests, did all their paperwork, had the attorney file it and I'm "not disabled under their rules". My syrinx goes from C3 conus (all the way down): how much more does it take? Does anybody else have this problem?
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Saturday, April 7, 2012 - 12:00pm to 2:00pm
Natural History Museum of Utah - Naturalist Lab
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Meet Yaki, a female American Kestrel and Calarus a male Western Red-tailed Hawk.
Learn about these amazing birds of prey, why Yaki and Calarus can't fly and what HawkWatch International is doing to protect them and our shared environment.
Included in Museum Admission


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Miguel Angel Gonzalez
Miguel Angel Gonzalez, infant son of Rufina and Miguel Belarmino Gonzalez, died July 20, 2013, at Scenic Mountain Medical Center. Memorial services will be held at 10 a.m. Saturday at Thy Will Be Done Ministry, located at 610 Abrams St.In addition to his parents, he is survived by one sister, Kimberly Gonzalez of Big Spring; two brothers, Willie and Wilmore Gonzalez, both of Big Spring; grandparents, Oralia Gonzalez of Guatemala, Victoria Martinez and Bernardo Solias, both of Mexico.Arrangements are by Myers & Smith Funeral Home. Pay your respects online at www.myersandsmith.com


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Hey Walter. I don't know if this is the right place to ask this, but I was wondering if I could suggest you guys to do an episode about barytes, and theorizing what their relevance in the future of the story could be. They're a pretty interesting concept that came as something of a curveball to me when they were first introduced, and I'd love to hear some more of your predictions concerning them.
I don't think we're going to dedicate an episode of the podcast to barytes for now, but we talked about it on episode 78 of the podcast, if that helps.I also have a half-written post about it from... *checks* a year and a half ago that I need to finish.


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Words containing erceptiveness
Found 5 words containing erceptiveness. Browse our Scrabble Word Finder, Words With Friends cheat dictionary, and WordHub word solver to find words that contain erceptiveness. Or use our Unscramble word solver to find your best possible play! Related: Words that end in erceptiveness
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Jason Koharik's New Nouveau Lighting
While classic pieces are considered classic for a reason, sometimes the styles we love can be so ubiquitous that we yearn for something new. Designer Jason Koharik pays hommage to the clean lines and geometric silhouette of the modern and deco pieces that are so well loved, in the form of his new collection, aptly titled, The Collected.
The Collected by lamp series is inspired by the beautiful sweeping lines and modeled forms of the Art Nouveau period and early French Modernists. The series represents a "New Nouveau". Each lamp is a one of a kind sculpture made with a variety of reclaimed and recycled materials that show age and marks from its maker. Each is hand crafted and hammered in effort to create a unique and nostalgic piece that can settle comfortably in a modern environment.
According to Koharik:
Each lamp is hand-crafted and -hammered in an effort to create a unique and nostalgic piece that can settle comfortably in a modern environment.While his work is clearly influenced by timeless pieces by designers such as Serge Mouille, they do not aim to replicate, but rather to add to the never ending conversation that is modern design.
• Learn More About Collected by: Jason Koharik
• Find It: Lawson Fenning
(Images: Collected)