FICO score calculation exact breakdown Do I have any legal ground to demand an exact breakdown of my FICO score? The precise formula and data points that were used for my report, not some generic explanation.
No It's a trade secret owned by FICO, formerly Fair, Isaac and Company (1956-2003) and Fair Isaac Corporation (2003-2009). As a trade secret, it is protected and breaches of the secrecy carry criminal and civil punishments. Btw: Releasing the formula would invalidate all scores based on it, as it would open doors to manipulate the own score.
Law enforcement sometimes use "pacing" as a speed enforcement tool. The basic idea is that they consistently drive a certain speed - which is at or above the speed limit and notice that the "alleged speeder" is either keeping pace or exceeding the pace. The details are complicated and a police officer would know them much better than me. But basically They have to calibrate their speedometer - because if their speedometer is broken pacing is obviously worthless. They need to bring the calibration results to court. Not having those calibration records for your speedometer means that many police departments will be reluctant to issue a speeding ticket to the other motorists. They rely on the fact that most state laws allow law enforcement leeway to exceed the posted limit. Not being a lawyer or a police officer, I do not know the exact circumstances, but if they were not allowed to slightly exceed the limit for pacing then logically every pacing enforcement should result in 2 tickets - one being for the officer. If you can swear that your speedometer is good then they can use that evidence to write you a speeding ticket, because whatever allowances the law allows law enforcement for pacing are not granted to you. I am sure they can overcome the calibration issue with regard to a ticket issued to you by your certification that the speedometer is correct. If they issued a ticket to me based on your certification that your speedometer was correct, I would call bullshit. Talking to the police can only hurt you.
It may be illegal under product labelling regulations that apply to that kind of product (or under a general deceptive trade practices act), but even then, only if you are interpreting the numbers, whose meaning is not clearly spelled out, correctly. But, to be actionable as fraud it must, among other things, be a misrepresentation as to a material fact (which if the goods, such as cordless drills, are not perishable it probably isn't) and the recipient of the misrepresentation must have justifiably relied upon the misrepresentation (which is necessary not true in the case of a representation that it was made in December 2018 on a product sold no later than July of 2018). It is also not entirely clear that this is a "made on" date. It could refer, for example, to the the twelfth batch or lot or shipment of products made in 2018, and not to the month of December, or it could refer to a product made in 2018 at factory number 12. @NateEldredge in the comments also makes the plausible observation that it could be a week number which is a common system in manufacturing which would put it in a more reasonable March 2018 time frame. You probably shouldn't do anything, because you haven't been harmed by this cryptic string of numbers embossed on the product, and even if you were, your damages would not be worth the time or money involved to pursue it as anything other than part of a class action lawsuit.
You mean like this? Of course, a website can charge you to access its pages; many do. And yes, clicking on an "I agree" button can form a valid contract (just visiting the website can't). Historically, the law has adopted the position that if you sign it (including by clicking "I agree") you read it, you understood it and you agreed to it. It's hard to imaging how it could be otherwise because allowing people to get out of contracts by saying "I never read it" is problematical as well. However, there are two things that mitigate against the type of term you suggest; one practical and one legal. Practical: How do they get your money? They can ask for your credits card details and, if they do and you give them a court will probably come to the conclusion that you knowingly and willingly agreed to pay for the service. However, if they don't have any method of getting money from you, they would have to take you to court to do so. There are a number of practical problems with this like: who are you? where are you? Which court can they sue you in etc. Legal: At common law, there exists the doctrine of unconscionability that describes terms that are so extremely unjust, or overwhelmingly one-sided in favour of the party who has the superior bargaining power, that they are contrary to good conscience. Such terms are legally unenforcable. Further, in many jurisdictions, consumer protection law often give additional protections up to and including not enforcing terms that are merely unfair not just unconscionable.
A clause states &quot;If the contract is breached you accept that you must pay for damages. We shall determine the amount.&quot; Will this hold up in court? A court is going to want to look for context and an interpretation that would make this provision make sense before invalidating it (which it might). For example, if there was a schedule of the amount of damages for various violations attached to the contract, a court might interpret this language to mean that the drafting, non-breaching party will invoice you for damages in amount that it determines in good faith to be the correct amount with reference to the schedule or some formula set forth in the contract (e.g. an interest rate on an open account loan), in much the same way that a landlord might dock your security deposit and send you a letter telling you what was deducted in what amounts and why, or that a credit card company might charge you interest and late fees on a monthly basis. A court would, of course, be unlikely to interpret the clause as affording final and binding legal authority to decide what is owed. In the face of a clause like this one, the other party could bring a lawsuit to dispute the amount determined to be owed by the drafting, non-breaching party (unless the contract is a third-party arbitration clause and simply doesn't read like one because it is out of context).
That is private. Who you work for is not information that is disclosed publicly by any state actor in Germany, just like your taxes. In fact, that or who you are employed at is often regarded as personal and private information. Nigh impossible through agencies Public agencies like the Fiskus (tax), Agentur für Arbeit, and immigration are not allowed to give any information about a person to anyone but that person or another agency that has the right to that information. Yes, (generally speaking) the tax office may not even say that a person exists (or doesn't) and what their tax number is to anyone but the person in question.
I'm sorry to deflate what is clearly a very philosophically interesting question, but the law is straightforward here. The truth, essentially, is the set of facts that you believe to be true. Yes. It means that you will not lie by omission, and that you will provide the relevant facts. No, you don't need to recount history since the first instant of the big bang. Only expert witnesses may answer by giving their opinion or evaluation. This is presumed accurate by their experience and where it is not accurate, the other side may present opposing expert witnesses to contest their conclusion or evaluation. Laypeople are permitted to answer only with their recollection of facts. Lawyers may not ask them what their opinion is, although by your definition every question is about opinion, since perception and memory is limited. But the question "What colour was Mr Smith's house?" and "What architectural style informed the facade of Mr Smith's house?" require different amounts of expertise and opinion. "Truth" isn't jargon, or even technical language here. I generally aim to be truthful, and so when someone asks me what time it is, I don't feel compelled to answer to the nano/picosecond. Would you call me a liar? Am I lying by omission? Similarly, if someone asks me what colour a car is, I don't feel compelled to say "I can't possibly know, because my perception may differ from yours. If you honestly feel that when someone asks you to be truthful about something, then you must either be lying, or lying by omission if you don't start your answer with the first instant of the big bang, your problem is not one of law.
There are vendors providing software to facilitate this sort of task. Avalara is perhaps the best known, but I don't have any experience with it and couldn't say whether it's actually any good or not. But the bottom line is that in a destination-based sourcing regime, sales taxes must be computed based on the address of the destination, not city or ZIP code associated with that address. As Avalara has noted, this is a giant hassle, but it's nonetheless the current state of the law. Of course, this assumes the seller has sufficient nexus with Louisiana to trigger a duty to collect sales taxes in the first place. From the question, it is not clear whether this is true.