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Worst feeling ever essay

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Bachelor of Building Science (2-Year Bridging Program) (Co-op) Want to learn more about bridging into second year of the Bachelor of worst feeling essay Building Science program? Contact the coordinator Maria Parra to learn more. Credential: Bachelor of Building Science Duration: 4 Years Area Of Interest: Engineering and Architecture Program Code: 1512B03FWO Academic Year: 2017/2018 Campus: Ottawa. Solve Percentages Word! This four-year Bachelor of Building Science degree prepares graduates for opportunities in feeling ever the construction industry and related fields that support and implement ongoing research and development related to building materials and building systems. Using a holistic approach, students develop an appreciation of report buildings as a set of interconnected systems that can be built, modified, and adapted to meet requirements for ever, functionality, energy consumption and human comfort. Book Report! Opportunities for applied and hands-on experiences with building materials, components and systems are woven through many of the courses. Students focus on the necessary fundamentals in mathematics and science while experiencing the practical applications within the discipline of building science. A sound grasp of underlying scientific principles enables students to integrate a balance of theoretical and feeling essay, practical knowledge in both short-answer and essay a relevant fashion for existing and emerging real-world problems. Historical background and integration of sustainable practices are two other threads that extend throughout the program and complement the knowledge, skills and attitudes that students acquire through their studies. Advanced learning environments provide the opportunity for students to experience current and emerging technologies that support both the construction and operation of buildings. Worst Essay! Interactive and how to percentages problems, dynamic courses, along with co-operative education, encourage the development of personal and interpersonal skills in parallel with the sound engineering principles that lead to the analytical problem-solving skills that position graduates for success in their future employment.

This program includes one mandatory co-operative education (Co-op) Work Term(s). Qualified students with a minimum GPA of 2.7 will be required to worst feeling essay apply for paid co-op employment to gain valuable work experience and networks within industry. See Additional Information for more details. Bring Your Own Device (BYOD): Students are expected to have and use a laptop or mobile computing device when registered in this on-campus program. Electricity Save! Hardware and software specifications required by your program are outlined at http://algonquincollege.com/byod.

Mobile devices/laptops and supplies can be purchased directly from Algonquin`s New Technology Store at educational rates. This program is well suited for students who: Appreciate the role of mathematics and applied science in worst ever the development of scopes and limitations paper engineering solutions. Can work independently and contribute to problem-solving teams. Like to worst feeling ever use drawings and spatial reasoning to questions visualize possibilities. Are inquisitive about the reasoning behind the choices and worst feeling ever essay, decisions that are made during building construction. Enjoy the challenge of researching and testing building methods and materials.

Are interested in working with individuals who offer diverse perspectives. architectural and construction project team leaders and scopes and limitations research, consultants. documentation of situations encountered during the construction or. rehabilitation of buildings. engineering projects through the application of principles of estimating, accounting, and cost controls. commitment and environmental stewardship. Program fees listed are for the 2017/2018 Academic Year. Total Level 05 program fees are $4,979.10 as detailed below: Program Ancillary: $ 0. Compulsory Ancillary Fees: Student Activity: $ 217.37. Health Services: $ 20.00. Student Experience: $ 18.00. Health Plan: $ 149.66 * U-Pass Admin: $ 3.42 * * Charged in the first semester of each academic year. International students pay all fees listed above(excluding the feeling, Health Plan fee) plus: International Premium: $3,724.00. International Health Insurance: $ 696.00.

Fees are subject to change. For further fees information please visit: www.algonquincollege.com/ro. Books and essay, supplies cost approximately $1,200 per academic term and essay, can be purchased in the campus store. See www.algonquincollege.com/etextbooks for more information about books. Students are expected to purchase CSA-approved safety footwear and book report software, safety glasses, which are required at the start of the term. Worst Ever! Graduates from require you to one of the following Ontario College Diplomas with the noted Grade Point Averages are eligible to bridge directly into worst feeling, semester five (year 3) of the eight semester (4 year) Bachelor of Building Science (BBS) Degree program: Architectural Technology, Ontario College Advanced Diploma with an overall GPA of 2.7 (70%) minimum and 560 hours of related work experience*; OR Civil Engineering Technology, Ontario College Advanced Diploma with an overall GPA of essay on forest 2.7 (70%) minimum and 560 hours of related work experience*. A bridging course is required and will be added to the students level 05 course load. Graduates from one of the feeling ever essay, following Ontario College Diplomas with the noted Grade Point Averages are eligible to bridge directly into semester five (year 3) of the eight semester (4 year) Bachelor of Building Science (BBS) Degree program: Architectural Technology, Ontario College Advanced Diploma with an overall GPA of 2.7 (70%) minimum and 560 hours of essay on forest protection related work experience*; OR Civil Engineering Technology, Ontario College Advanced Diploma with an overall GPA of 2.7 (70%) minimum and 560 hours of related work experience*. Feeling! *A bridging course is short-answer require you to required and will be added to worst feeling essay the students level 05 course load. BACHELOR OF BUILDING SCIENCE (HONOURS) 2-Year Bridging. Truth! Program Code 1512B03FWO. Worst Ever! Applications to scopes research full-time day programs must be submitted with official transcripts showing completion of the academic admission requirements through: 60 Corporate Court.

Guelph, Ontario N1G 5J3. Applications are available online www.ontariocolleges.ca. A $95 fee applies. Applications for Fall Term admission received by February 1 will be given equal consideration. Applications received after February 1 will be processed on a first-come, first-served basis as long as places are available. International applicants applying from out-of-country can obtain the International Student Application Form at https://algonquincollege.force.com/myACint/ or by feeling ever essay contacting the Registrar`s Office. For further information on the admissions process, contact: 1385 Woodroffe Avenue. Ottawa, ON K2G 1V8. descriptions/outlines must be presented with the application for credit recognition. Applicants with degrees or degree level courses from countries other than Canada or from postsecondary institutions not recognized by the MTCU must have their degrees evaluated by a recognized Canadian public or private institution that specializes in the evaluation of international degree programs. MTCU must have their degrees evaluated by a recognized Canadian public or private institution that specializes in truth conclusion the evaluation of. international degree programs.

Technology, Ontario Diploma with an overall GPA of worst feeling ever essay 2.7 (70%) minimum*. Students who have completed the essay on forest, Architectural Technician or Construction Engineering Technician Ontario College Diploma programs are strongly. recommended to complete an Integral calculus course or equivalent. Worst Ever Essay! (* a bridging course is required and will be added to the students level 3 course load.) interview, and earn jobs rather than being placed by the College. In the term prior to the co-operative education (Co-op) Work Term, students are required to independently complete online modules that assist with resume and cover letter writing, and interview technique preparation. Students must actively conduct a self-directed job search and are responsible to secure approved program related paid co-op employment. Students compete for co-op positions alongside students from Algonquin and other Canadian and. international colleges and universities. Algonquin College`s Co-op Office provides assistance in developing co-op opportunities and facilitates the overall process but does not guarantee that a student will obtain employment in scopes research paper a cooperative education (Co-op) Work Term. Co-op employment opportunities requiring relocation may be considered, and worst feeling, are subject to essay on forest departmental approval with the understanding that all associated expenses are incurred by students e.g., travel, work permits/visa applications, accommodation, etc. Cooperative education (Co-op) Work Terms are typically four months in. duration and are completed during a term when students are currently not studying on campus. Worst Ever! For details on study-work progressions for specific programs, please visit www.algonquincollege.com/coop. AC Overview Guide. and Information to Win $$ toward your tuition!

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Internal Control and Fraud Detection in Banks Essay Sample. The Central Bank of Nigeria reported that the worst feeling ever essay backward development of Nigeria was attributable to weakness in the internal control systems of the banks. This has clearly pointed out the picture of how fraud is being penetrated in the financial strength of Nigerian banks. In a nut-shell , the damage which the menace, called fraud has done to the banks is essay on forest protection innumerable and needs urgent attention. Worst Feeling Ever Essay! Internal control are measures established by directors relating to the accounting systems in order to check if all transactions made are recorded using the correct figures and if they were executed in accordance with proper general or specific authorisation. Internal Control and Fraud Detection covers the essential tools you need to perform internal control related services. How To Percentages Word Problems! It will take you through your clients responsibility to design and implement programs and controls to worst ever essay prevent , deter and detect fraud.

It touches on internal control over financial reporting in accordance with Section 404 of the Sarbanes-Oxley Act “Enhanced Financial Disclosures, Management Assessment of Internal Control” which mandates changes. This work covers ways by which internal control can be useful in detecting of fraud in organisations. A section of this work also deals with a little of forensic accounting, a specialty requiring the integration of investigative, accounting and auditing skills. The forensic accountant looks at documents and financial and other data in a critical manner in order to draw conclusions. As experts in this area, forensic accountants understand the fraud risk areas and have extensive fraud knowledge and experience of dealing with the application of accounting facts gathered through auditing methods and procedures to resolve legal problems. They do not merely look at the numbers but, rather, look critically behind the numbers in search of significant patterns. This chapter presents the background of the essay study, purpose, statement of the ever essay problem, objectives, research questions ,significance of the study. Background of the study Internal control, the strength of every organisation has become of paramount importance today in essay on forest protection Nigerian banks. The reason being that, the essay control systems in any organisation is a pillar for an efficient accounting system. The need for the internal control systems in the organisations especially banks cannot be undermined due to the fact that the banking sector which has a crucial role to play in how to the economic development of a nation is now being characterized by macro economic instability, slow growth in real economic activities, corruption and the risk of fraud.

Fraud, which is the major reason for setting up on internal control system has become a great pain in the neck of many Nigerian bank managers. It has also become an feeling essay unfortunate staple in truth Nigerians international reputation. Fraud is really eating deep into the Nigerian banking system and worst ever, that any bank with a weak internal control system is dangerously exposed to bank fraud. In a nut-shell, the damage which this menace, called fraud has done to the banks is innumerable and needs urgent attention. Therefore, the attempt to put an end to this economic degradation gave rise to the topic of this research study “the impact of internal control in fraud detection in banks”. However, this study is aimed at how to solve percentages word problems, verifying the essay conception that an effective and efficient internal control system is the best control measure for book report preventing and detecting fraud especially in the banking sector. The questions are: what can be said to be the cause or causes of the increasing rate of fraud in worst feeling banks? What are the effects or damage has fraud caused banks, her customers? What is the impact of internal control in require the prevention and detection of worst feeling essay fraud in banks. purpose of the truth conclusion study.

The study seeks to establish the relationship between internal control and fraud detection and also how internal control can help in worst feeling essay the reduction of fraud. 1.3 statement of the problem. The regularity of fraud and misappropriation of funds is creating fear, anxiety, and a loss of truth essay confidence in the minds of bank customers. Also, poor internal control system leads to increase in ever bank losses. Management is required to set up an internal control system but this system varies significantly from one organization to the next, depending on such factors as their size, nature of operations, and objectives. Since internal controls operate in an environment which influences its operations, proper care must be exerted into the implementation of these systems in truth other to achieve the utmost aim of the bank.

This heightened interest in internal controls is, in part, a result of significant losses incurred by several banking organizations. An analysis of the problems related to these losses indicates that they could probably have been avoided had the banks maintained effective internal control systems. Such systems would have prevented or enabled earlier detection of the problems that led to the losses, thereby limiting damage to the banking organization. Every organization has to face the problem of fraud, however not all fraud occurs can be prevented. Besides, organizations have not cost-effective to try. A business may determine it is feeling more cost-effective to design its controls to detect, rather than prevent, certain fraud schemes. Essay On Forest Protection! It is important that organizations must consider both preventing fraud and worst feeling ever, detecting fraud. The objective of this study is to determine the impact of internal control, on the overall management of Nigerian banks. On Forest Protection! Also, to examine the feeling ever essay effect of the internal control systems, when it comes to fraud prevention and detection.

Summarily, the specific objectives are: to examine the effectiveness of internal control in banks. Providing an understanding why an organization should have internal control and the impact of not having adequate control. Understanding the key components of internal control. To find out essay conclusion effective internal control systems influence in prevention and detection of fraud. To find out the problem of fraud and how to curb. 1.5 research questions. Do banks have internal control systems ? if yes, how effective is it? Can banks with effective internal control systems prevent the menace of fraud?

What kind of relationship exists between the prevention and detection of fraud and internal control systems? Is lack of good internal control the worst feeling ever essay major cause of fraud in banks? What other major causes exist? 1.6 significance of study. The findings of the study would help the management of the report software bank to maintain an enhanced controlled environment by helping management and employees to establish and maintain an worst feeling environment throughout the bank that sets a positive and supportive altitude towards internal control, reliable management, operating personnel for effecting internal control and internal audit for evaluating whether appropriate controls have been implemented and book, whether the internal controls are functioning as intended. Other significance of the feeling essay study includes: Help the bank in reducing fraudulent activities that occur in the organisation.

Reference for other research topic. Review of related study. This chapter provides a critical review of related literature on the study variables, definition and truth, understanding of internal controls. A usual adage says prevention is better than cure; so also, people say that one should look before one leaps. These statements are more or less the equivalents of an internal control system. It is very important to state that the success of the operations of banks world wide is strictly guided and worst, dependent among other things, on the existing quality of their internal control system. DEFINITION AND UNDERSTANDING OF INTERNAL CONTROL. Internal control is a process effected by an entity’s board of directors management and other persons designed to provide reasonable assurance regarding the achievements of objectives in the following categories; efficiency and effectiveness of operations, reliability of financial reporting and compliance with applicable laws and on save save, regulations (Lower, 1998).

Internal controls are policies, procedures, practices and organizational structures implemented to provide reasonable assurance that an organization’s business objectives will be achieved and feeling essay, undesired risk events will be prevented or detected and corrected, based on essay, either compliance or management initiated concerns (Awe, 2005). The Institute of Chartered Accountants of England and Wales (ICAEW), defined internal control as the whole system of controls, financial or otherwise, established by management in order to carry on the business of an enterprise in an orderly and efficient manner, ensure adherence to management policies, safeguard the worst feeling ever assets and secure as far as possible, the completeness and accuracy of the records. Mayo and BPP (1988), defined it as the measures taken by an organization for the purpose of protecting its resources against wastes, fraud, inefficiency; ensuring accuracy and reliability in accounting and operating data; Securing compliance with organization policies and evaluating the level of performances in all divisions of the organizations. Internal Controls (IC) are to be an integral part of on forest any organization’s financial and business policies and procedures. They are adopted by management to ensure that the organization conducts business in an orderly and feeling, efficient manner (KPMG Forensic, 2004). Paper! From these definitions, it can be deduced that internal control comprises the plan of an organization and all of the coordinate methods and measures adopted within it, to safeguard its assets, check the accuracy and reliability of its accounting data, promote operational efficiency and encourage adherence to prescribed managerial policies.

Internal control objectives are channeled towards ensuring adherence to managerial policies and achieving organizational goals in general. ICAN (2006a, b) categorized controls into feeling ever three major classifications: Preventive controls: These are controls that predict potential problems before they occur and make adjustments. They also prevent an error, omission or malicious act from occurring. Both And Essay Questions! Examples of preventive controls includes: Using well-designed documents to prevent errors. Establishing suitable procedures for authorization of transactions. Employ only qualified personnel. Segregation of duties. Detective controls: These controls are designed to worst feeling ever essay detect and report the occurrence of an omission, an error or a malicious act. Examples of detective controls includes: duplicate checking of calculations. Periodic performance reporting with variance error message over tape labels. Hash totals counter cheques post-due account reports.

Corrective controls: These controls help to minimize the impact of a threat, identify the cause of a problem, correct errors arising from the problem. They also correct problems discovered by detective controls and modify the processing system (s) to essay minimize future occurrence of the problem. Examples of corrective controls are: contingency planning back up procedures rerun procedure. Control activities are policies and procedures that help ensure that management directives are carried out. They help ensure that necessary activities are taken to address risks to achievements of the entity’s objectives. Control activities occur throughout the organization at all levels and all functions (Junner, 1993). They include arrange of activities; authorization, verifications, reconciliations, review of worst feeling ever essay operating performance security of assets and segregation of duties (Ernst and Yong, 1995).

Information flow is essential to effecting control, information about an organization’s plan, control environment, risks, control activities and performance must be communicated up, and book software, access an organization (Ruttrman Working Group, 1994). Reliable and essay, relevant information flow both internal and essay, external sources must be identified, captured, processed and worst, communicated to the people who need it in a form and time frame that is useful (Chambers 1995). Report! Information systems produce reports, containing operational financial and compliance – related information that makes it possible to run and control an worst essay organization (Coseo, 1992). COMPONENTS OF INTERNAL CONTROL. Control environment encompasses integrity and ethical values, management philosophy and operating style, accountability and human resource practices and is considered to be an important control element. Ethical environment can be enhanced by leadership and or management’s firm adherence to punishing those who violate the code of ethics (COSO, 1994). Short-answer And Essay! Control activities are top down reviews, functional or activity management, information processing, performance indicators, segregation of duties and worst feeling ever, physical controls (COSO, 1994). Monitoring or authorization as control activities are portrayed as being of reducing importance. Risk control involves systematic procedures put in place to identify and measure risk associated with the on forest institution’s continuity and strategies for controlling and worst ever essay, monitoring it.

Risk assessment focuses on cost versus benefit approach to control and is not just the short-answer questions require risk of fraud or misstatement of reports (COSO, 1995 and Mills, 1997). Worst Feeling Ever! COSO (1994) recognizes information and communication as separate control environment. Information sharing enables employees to get right and timely information thus developing a feedback Davis and Militello (1994), organizations where information sharing is percentages encouraged decision making and performance is feeling ever highly enabled. Employees take ownership of and essay you to information and can easily identify and put right their own and worst, their team’s faults. common weakness of internal control. Albrecht (1984), outlines most common internal control weaknesses, in order of frequency ; – Too much trust in employees. – lack of proper procedure for authorization.

– lack of scopes and limitations paper personal financial information disclosure (for bank frauds) – lack of separation of transaction authority from custodian of worst feeling assets. – absence of independent checks on performance. – lack of adequate attention to detail. – failure to essay conclusion separate asset custody from accounting for assets. – failure to separate accounting duties, absence of clear lines of feeling ever authority – relaxed or absence of audit activities or reviews. – no conflict of interest statement required and scopes and limitations research paper, lack of adequate documents and records. The conditions for fraud to occur include an incentive to commit fraud (pressure), good reason for justifying fraudulent behavior (attitude) and an opportunity to commit fraud Albrecht et al (1984), it is pointed out that opportunity is easy to control by establishing strong internal system unlike pressure and attitude which are human factors that are usually beyond direct influence of management. Fraud: definition and concept. What is fraud?

Fraud has been widely defined in literature by feeling essay scholars and experts. Hornby (1998) defines Fraud as an action or an instance of checking somebody in order to make money or obtain goods illegally. The same dictionary defines the perpetrators of frauds as fraudsters. According to the ICAN study Pack (2006a, b) Fraud consists of both the use of deception to obtain an unjust or illegal financial advantage and intentional misrepresentations, affecting the financial statements by and limitations research paper the one or more individuals among management, employees, or third parties. Worst! Archibong (1992) describes Fraud as a predetermined and well planned tricky process or device usually undertaken by a person or group of persons, with the sole aim of checking another person or organization, to gain ill-gotten advantages, be it monetary or otherwise, which would not have accrued in the absence of such deceitful procedure. Report Software! From the above the term fraud may be said to be as an intentional misrepresentation of financial information by one or more individuals among management, employees or third parties. Fraud may involve: . • Falsification or alteration of accounting records or other documents. • Misappropriation of assets or theft. • Suppression or omission of the effect of transaction from records or documents. • Recording of transactions without substances.

• Intentional misapplication of worst ever accounting policies. • Willful misrepresentation of word problems transactions of the entity’s state of affairs. From whichever perspective, fraud is looked at, it is simply a deceitful and dishonest act, which involves taking a property unlawfully from worst feeling its owner, without his/her knowledge, permission or consent, or to misstate a situation knowingly or by negligence. This issue of fraud is a conventional phenomenon in the national life. In the government and private sectors, it is the order of the day. Software! In the banks, fraud is on the increase. Companies are failing every day, through the activities of fraudsters. Classification of fraud: Within the scope of this study, attempts shall be made to critically examine the two broad schemes of frauds. Feeling Ever! Fraud is on save electricity classified into two and worst feeling ever essay, are:

According to Fakunle (2006), management fraud often involves the manipulation of the how to percentages word records and the account, typically by the enterprise’s senior officers with a view to benefiting in some indirect way. An example is, obtaining finance under false pretences, or concealing a material, worsening off the company’s true position, i.e., window dressing. Robertson (1996) defines management fraud as a deliberate fraud, committed by worst ever management that injures investors and creditors, through materially misleading financial statements. Management fraud is report sometimes called Fraudulent financial reporting. Management fraud is usually perpetrated by worst feeling ever essay the management staff of an organization, which includes directors, general managers, managing directors etc. The class of victims of how to solve management frauds are investors and creditors and the instrument of perpetration is financial statement. The essence of management fraud most times is to attract more shareholders to come and invest in worst the organization. It is also perpetrated, so that organization will be in better position of obtaining loans from percentages problems banks, because, a good statement will show a healthy look, hence it will be a good collateral security. Fraud is the intentional distortion of financial statements or other records by persons internal or external to the authority, carried out to worst feeling ever essay conceal the book report software misappropriation of assets or otherwise for gain. It is a generic term to describe a variety of offences under either the ever essay Theft Act 1968 or the Criminal Justice Act 1987. This definition does not include other irregularities which may result in truth conclusion loss to worst feeling ever the Council (e. Truth Conclusion! g. Feeling Ever Essay! theft).

Therefore, for the purpose of book software this Strategy fraud has a wider meaning to include other irregularities. Pollick (n. d.) defines fraud as white – collar criminals, business professionals with specialized knowledge and criminal intent. Employee fraud: Also known as non-management fraud: These are frauds that are perpetrated by the employees of an feeling essay organization. Percentages Word Problems! Robertson (1996) defines it as the use of fraudulent means to take money or other property from an worst employer. Word! It usually involves falsification of some kind, like false documents, lying, exceeding authority, or violating an employer’s policies, embezzlement of company’s funds, usually in form of cash or other assets. It consists of three phases, which are: • The fraudulent act. • The conversion of the money or property to the fraudsters us.

Employee frauds are more likely to be encountered where internal controls are weak: other types of employees frauds according to Awe (2005) are as follows: • Fictitious payment of suppliers: • Alteration of invoices. • Double payment of invoices. • Suppression of credit notes received. • Missing returned cheques (so that it appears that bills are paid. • Wages Fraud (Payroll Fraud) • Payment for hours not worked for. • Payment of an incorrect wage rate. • Fictitious employees (ghost workers) on wage sheet. • Deliberate errors in wage sheet. • Misappropriated cash taking.

• Actual theft of cash balance. • Misappropriated cash from credit sales. It is important to note that all these form of employee fraud are perpetrated, so that the perpetrators will have an worst essay undue benefit from all the irregularities made, as embedded in scopes research paper the definition of essay fraud. Essay Protection! Type of bank’s common fraudulent practices: Ovuakporia (1994) gave account of thirty-three types of bank frauds in the banking sector. These includes theft, embezzlement, defalcations, forgeries, substitution, suppression, payment against unclear effects, unauthorized lending, lending to worst ever essay ‘ghost’ borrowers, kite flying and cross firing, unofficial borrowing, foreign exchange malpractice, impersonation, over-involving, manipulation of vouchers, fictitious accounts, over and under valuation of properties, false declaration of cash shortages, falsification of status reports, duplication of both and essay questions you to cheque books, mail transfer, interception of essay clearing cheques, computer frauds, fake payments, teeming and lading, robbers and others. The above numerous types of fraudulent practices in banks, serve as threats to on forest protection the success of many banks. Worst! If adequate preventive and detective measures are not put into action, it could lead to the complete failure of financial institutions especially banks in Nigeria. Causes of essay on forest protection bank frauds: There are many identified causes of fraud in banks.

They vary from institutional to economical, social, psychological, legal and even infrastructural causes. The immediate causative agents of frauds in general as provided by Ogbunka (2002) are as follows: • Availability of opportunities to feeling ever perpetrate frauds and forgeries. • Human greed, avarice, instability. • Poverty and the widening gap between the rich and the poor. • Prevailing misplaced social values, moral and spiritual decadence. • Increasing incidence of unemployment. • Increasing financial burden on individuals. • Misapplied intelligence-say for adventure.

• Social misconceptions that banks’ money is nobody’s money property and therefore can be defrauded. • Inadequate training of research paper personnel. • Unhealthy comparison and competition. • Peer group pressure. • Non-adherence to ethical standards. • Leadership by bad example. • Poor/weak recruitment policies. • Over ambition/frustrations of staff.

• Increasing and changing sophistication in technological equipment. • Inadequate training of feeling ever manpower. • Societal indiscipline, especially with money. • Risk on the fraudsters may be low or none. • Possibility of identifying or stopping a fraud may be very little. • Lack of effective machinery that guarantee sever punishment for fraudsters and forgers. • Poor/weak management control, monitoring and supervision. • Weak internal control system of the bank. Of a truth, there are many causes of bank frauds, but, weak internal control system stands as the major cause of frauds in banks. It is therefore, expedient that adequate, efficient and truth essay, effective internal control system be installed in every bank in order to worst feeling ever essay reduce this disaster called fraud.

Factors influencing the existence of fraud in banks: Despite the numerous cause of bank frauds, there exist some other factors that influences the risk of fraud within the bank and accordingly steps ought to be taken to minimize them. According to Izedonmi (2000), these factors includes: • Where authority is concentrated in a few hands within the electricity save future bank. • Where, management continually fails to implement internal control recommendations, made by an external auditor. • Where, there is a high rate of turnover in key accounting functions. • Where the accounting system is inadequate and the books of accounts cannot be reconciled with the financial statements. • Where transactions occurring during the year are reversed after the feeling ever year end. • Where fees paid to legal advisers appear to be out of proportion with the essay conclusion actual services rendered. • Where there are material transactions during and around the year end date.

• Where the bank is experiencing slovenly problems. • Where it is difficult to worst feeling ever obtain explanations from management and staff of the banks during the audit. • Where documentation supporting transactions are generally non-existen. Other factors that could influence the risk of fraud in banks, according to solve percentages Raji (1997) includes: Experience: When too much confidence is reposed on a staff because of his apparent ability to worst feeling ever work with minimum supervision due to his experience, it could degenerated into a situation that could breed an short-answer require opportunity for committing fraud. Understaffing: Most banks today, strife that strenuous efforts be made to cut down cost. This idea is worst ever however, over-stretched that at times result to entrusting two many sensitive function to a staff. No matter how good a staff is, carrying out is functions efficiently may not be easy to sustain. Understaffing will create opportunity for fraud, as there will be no room for any form of supervision. It can be deduced from these factors that management needs to both require do a good job by installing on effective internal control system to reduce the worst feeling ever essay exposure of the banks to book software frauds. EFFECTS OF FRAUD. As a consequence, the activities of fraudsters have negative and grave effect on the affected banks.

Some of the effect of frauds on banks according to the provision of the NDIC published report (1996). The distress syndrome: Bank frauds tend to jeopardize the industrial growth of the Nation. Bank frauds have made some banks to ever wind up, while some are still battling with the distress syndrome. Bank failure in Nigeria have gulped 40 billion so far from innocent depositors, who end up loosing their hard earned money and their confidence in these banks. Loss of bank funds: Frauds had caused hardship in banks, especially those whose liquidity stated was already in doubt.

As fraud cases in banks, continue to rise, bank’s losses in terms of money also rises. Bank staff involvement: According to scopes and limitations research the NDIC publication, about 1914 bank staff of worst feeling ever essay various ranks were involved in fraud between 1994 and book report software, 1996. The obvious effect is possible termination of appointment, dismissal and suspension, which would certainly affect their homes adversely. Worst Essay! Illiquidity: When banks experience fraud, some amount of money is being lost, which in turn affects the banks liquidity position, thus leading to their inability to both meet their re-capitalization requirements. Bad name: According to the BBC News on worst ever essay, Nigerian bank frauds (2007) Nigeria has become synonymous with fraud as some of its citizens use the boom in the internet cafes to send Spam mails, promising millions in exchange for the gullible recipient’s bank details.

This has proved to us that fraud has become on unfortunate staple in Nigeria’s international reputation, thus, giving us a bad name. From the book report above effects, it can be clearly seen that fraud is really a destructive force on a mission to feeling ever spoil the on forest name of financial institutions, render so many employers of worst feeling essay labour jobless, close down banks and erase the confidence of the people in the country’s banks. This should not be permitted hence efficient internal control systems must be fully effected. Management’s responsibilities towards fraud prevention and detection: According to Ola (2001), Primary responsibility for the prevention and detection of errors and irregularities rest with management. This responsibility arises out of a contractual duty of care by directors and and limitations paper, managers and also because directors and other managers act in a stewardship capacity with regard to the property entrusted to essay them by the shareholders or other owners. Izedonmi (2000) also said that the and limitations paper responsibility for feeling the prevention or detection of fraud and how to percentages word, errors, within an enterprise, rest with the management. Ever Essay! This responsibility is discharged by management, through the establishment of an adequate system of internal controls, including internal check and essay on forest protection, internal Audit. Feeling Ever Essay! It is therefore, pronounced that the management of any banking organization is totally responsible for the prevention and detection of fraud, majorly by the establishment of an adequate, efficient and effective internal control relationship between internal control and fraud detection.

Coso (1992), provided a criteria against which effectiveness of internal controls can be assessed. Internal control can be judged effective if the on forest entity’s operations objectives are being achieved; published financial statements are being prepared, reliable and applicable laws and regulations are being complied with. While internal control is a process, its effectiveness is a state or condition of the process at ever, a point in time. Accordingly, the effective functioning of components of internal control provides a reasonable assurance regarding achievement of one or more of the stated categories of objectives to ensure high levels of organizational performance. Thus, the company’s criteria for effective internal control and success of the entire organization. One of the five interrelated components of an internal control system is a control environment factor. Essay On Save Save Future! It refers to the integrity, ethical values and competence of the entity’s people (COSO, 1994).

Internal control should be viewed in a broader context for example it should as well be reorganized as a function of people’s ethical values as it is of standards and compliancy mechanisms (CoCo, 1995). Wells (2001), illustrate practical fraud occurrences discovered by competent accountants within organizations and what the accountants say about how they detect fraudulent transactions. Internal control system helps an organization to achieve its objectives such as its efficiency and effectiveness, reliable financial reporting, prevention of feeling ever essay fraudulent activities and compliance with regulations COSO (1994). Controls serve the systems goals, they interact with the system and its environment thus directing the energy of the system toward fulfillment, in the same way changes in essay the environment are easily noticed and worst essay, adapted to (CoCo, 1995). ACMAD (1994), recognizes that internal controls can enhance the productivity and competitiveness as well as the security of organizations against fraud. Both Short-answer Require! The establishment of a strong internal control environment where written policies and procedures are enforced, internal controls are appropriately implemented and employees are educated about fraud and its consequences is one of the feeling ever best deterrent and methods of curtailing fraud. For internal controls to be effective, they must be constantly evaluated for effectiveness and changed as business processes are changed or altered. The responsibility for the implementation of internal controls rest with management of each banks.

The impact that strong internal controls has in deterring fraud and limiting exposure if fraud does occur is irrefutable, however, a strong system of internal controls is no absolute guarantee that all cases of on forest fraud will be prevented. Why? Because the best system of internal control cannot prevent collusion between two or more people who are in positions to circumvent the essay internal control mechanisms, or prevent managers in key leadership capacities from unduly influencing those responsible for the internal control activities. Therefore, it is important for employees to recognize fraud when it is occurring and truth essay, report the fraudulent activities to the appropriate authority. Pollick (n. d.) defines fraud as white – collar criminals, business professionals with specialized knowledge and criminal intent. . Robertson (1996) defines employee fraud as the worst feeling ever use of fraudulent means to take money or other property from an employer.

According to Fakunle (2006), management fraud often involves the manipulation of the records and the account, typically by the enterprise’s senior officers with a view to benefiting in some indirect way. An example is, obtaining finance under false pretences, or concealing a material, worsening off the company’s true position, i.e., window dressing. Izedonmi (2000) also said that the responsibility for the prevention or detection of on save electricity save fraud and errors, within an enterprise, rest with the worst ever essay management. This responsibility is essay conclusion discharged by management, through the establishment of an essay adequate system of internal controls, including internal check and internal Audit. Internal controls are policies, procedures, practices and how to word, organizational structures implemented to provide reasonable assurance that an worst feeling essay organization’s business objectives will be achieved and undesired risk events will be prevented or detected and corrected, based on either compliance or management initiated concerns (Awe, 2005). Mayo and BPP (1988), defined it as the measures taken by an organization for the purpose of protecting its resources against wastes, fraud, inefficiency; ensuring accuracy and reliability in accounting and operating data; Securing compliance with organization policies and evaluating the level of performances in all divisions of the scopes and limitations paper organizations. Reliable and relevant information flow both internal and external sources must be identified, captured, processed and communicated to the people who need it in a form and time frame that is useful (Chambers 1995).

Davis and Militello (1994), organizations where information sharing is encouraged decision making and performance is feeling ever highly enabled. Employees take ownership of information and can easily identify and put right their own and their team’s faults. DISCUSION OF FINDINGS. in the research work done, we have been able to deduce that though banks have good internal control but that still has not been able to electricity future stop the fraud activities. After looking at all the facts, it is worst feeling ever seen that mostly what causes fraud in banks today is peoples greed, pressure from their families, opportunity they have by wanting to live above their means and also rationalization. This sums up to short-answer questions require what Cressey gave in his Cressy’s triangle , which says for fraud to occur, three things must be present. Pressure is the financial need that is often unwilling to be shared, rationalisation is when a person has the ability to justify their actions and opportunity is the act of an employee to feeling ever commit fraud when he sees the internal control is weak. Also, fraud occurrence today in how to solve percentages banks could be the cause the feeling management neglecting to make adequate checks on the employees and their said duties.

In order to have an internal control that could be said to be good, management must see fit to separate employees duties. As said by Izedonmi (2000), that the responsibility for the prevention or detection of fraud and errors, within an how to solve percentages problems enterprise, rest with the management. This responsibility is discharged by management, through the worst ever essay establishment of an adequate system of internal controls, including internal check and internal Audit. Also, the success of the internal control is on and limitations, the employees. If they are trustworthy and honest, the control environment will be good and less fraud will occur. But, auditors find it difficult to relate with honest and trustworthy employees, because when a fraud is committed no one believes the honest employee can commit it.

So it is left for essay the auditors and management to implement a sound internal control environment in the prevention and detecting of fraud in these banks. Bank Fraud are now becoming a global phenomenon. Fraud in general, inflicts untold hardship on bank owners, customers and their family members, as most bank failures are associated with large scale frauds. The prevention and detection of save frauds are basically the responsibility of the management, through the establishment of an effective and efficient internal control system. Conclusively the importance of the internal control department/unit of any organization, especially banks cannot be undermined. Since the lack of an effective internal control system, according to the findings is the major cause of bank frauds.

It is then concluded that the feeling management of every bank should create and establish a standard internal control system, strong enough to stand against the wiles of fraud in order to promote continuity of operations and to ensure the liquidity, solvency and going concern concept of the bank. The functions of fraud prevention, detection and how to solve word, control are interwoven, as the three work together to eliminate fraud and fraudulent tendencies. The knowledge of the possible causes of ever a disease will assist a medical doctor to give adequate prescription and electricity save, panacea, for the prevention and cure of the disease. Similarly, it is pertinent to recommend the following preventive, detective and curative measures to control fraud in the banking sector. Adequate internal control system: Internal control which has been earlier mentioned and defined as all types of feeling ever checks and balances, both operational and financial, should be employed by the management of every bank, to ensure that the bank’s assets are safeguarded, of which cash is one. This would go a long way in reducing and essay on forest, curbing fraud in banks. Effective internal audit department: Banks should try as much as possible to have an effective internal Audit department, which should be headed by feeling a qualified accountant.

In addition, the accountant should be responsible to the managing director or a higher authority in the bank. Proper attention should be paid to cash: From the findings, it is observed that cash is the most vulnerable asset to theft, as it can be seen that cash accounted 64.52% of fraud committed in banks. The study also reveals that cashiers are the major culprits in perpetrating fraud, hence, their recruitment must be thorough, proper guarantee should be requested from the applicant, before given the how to solve percentages word problems post of worst feeling essay a casher. Banks should also arrange for short-answer questions require you to a cash in transit insurance cover in order to prevent the risk of worst loss of any cash in transit. Attractive pay packages: The maintenance of a rewarding workmen compensation scheme, will enable, an average banker live above poverty level. Hence, he will shun the essay on forest protection temptation to defraud his/her employer. Worst Feeling Ever! Formulation of good personnel and recruitment policies: This is alike with No. 3 above.

Recruitment not based on sentiment but on personal knowledge, guarantee and reference from people of high integrity will go a long way in preventing the recruitment of kleptomaniac, greedy and short-answer and essay questions require, ungodly individuals in essay the banking sector. Good management: Management by example, should be the watch word of every banker, be it director, manager, officer or messenger. Every one should comply with the laid down policies and procedures in the performance of solve word any banking function. Other measures includes: Keeping of feeling adequate records, putting operating procedures manual in writing, observing the attitude of the staff towards work and their spending habit, whether amount spent is commensurate with income earned etc. If the aforementioned measures are strictly adhered to, the how to percentages ever increasing menace of fraud, which has ruined many Nigerian banks, will be drastically reduced to its barest minimum and eventually eradicated. APB (1995a), Accounting and Internal Control Systems SAS 300, Auditing Practices Board Statements of Auditing Standards, London. COSO (2004), “Enterprise risk management – integrated framework”, Committee of Sponsoring Organizations, available at: www.coso.org/Publications/ERM/COSO_ERM_Executive Summary.pdf (accessed 18 January 2007).

KPMG Forensic (2004), Fraud Survey 2004, KPMG International, Amsterdam. Public Company Accounting Oversight Board. 2004. Auditing Standards No. Ever Essay! 2: An Audit of Internal Control over Financial Reporting Performed in Conjunction with an Audit of solve percentages Financial Statements.” Washington, D.C.: PCAOB: March 9. www.medwelljournals.com/fulltext/?doi=pjssci.2009.181.189. Is this the worst feeling essay perfect essay for you? Save time and essay save, order Internal Control and Fraud Detection in Banks.

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Sufficiency in the size of the Paper will be determined by englishessays.net in its sole discretion. In case a request for revision is how to percentages word problems not submitted within the worst feeling Revision Period, englishessays.net tacitly accepts that the Client is satisfied with the electricity Paper and requires no further actions to be taken in regards to the Paper unless extra payment is provided or a new order is worst ever essay placed. Upon receiving your completed assignment you are entitled to a free revision should the Paper fail to meet your instructions or defined the truth essay requirements in any way. Ever. When this is the case, you are entitled to request as many revisions as may be required to both, make the Paper consistent and compliant with your instructions. Worst Ever. During the Revision Period the essay protection request for revision may be made at any time. All revisions must be based on feeling, the original order instructions. If at the time of the revision request you provide new, additional, or differing instructions, this will be interpreted as an application for new Paper and essay on forest protection, thus, will require an additional payment. Furthermore, should you request a revision after the Revision Period, it will also be considered as a new order requiring an additional payment.

We may require you to supply us with personal identifying information, and we may also legally consult other sources to obtain information about you. By accepting these Terms and Conditions, you authorize us to make any inquiries we consider necessary to validate the information that you provide us with. We may do this directly or by verifying your information against third party databases; or through other sources. Essentially, verification procedure involves, inter alia, confirming that the worst feeling ever essay order is authentic and that the cardholder is aware of both short-answer and essay questions require you to charges by placing a phone call to worst feeling ever essay, them, and in certain cases by requesting some additional documents to and limitations research paper, be submitted for verification to our Risk Department. In order to ensure timely delivery of worst feeling essay your order, this procedure must be completed quickly and without delay. Scopes Research. Therefore, it is vital to provide accurate and valid phone numbers. Failure to ever essay, verify an order may result in order cancellation or the order being placed on hold. You consent to our processing your personal information for the purposes of and limitations research providing the Services, including for verification purposes as set out herein. Worst Feeling Ever. You also consent to the use of such data for communicating with you, for statutory and scopes and limitations paper, accounting purposes. You acknowledge that you have read and feeling ever essay, consented to englishessays.net's Privacy Policy.

LIMITATIONS OF LIABILITY. englishessays.net will not be liable to you in relation to truth essay conclusion, the contents of, the use of, or otherwise in connection with, this Website: for failure to learn the material covered by the Paper; and. for your final grade; and. for the outcome or consequences of submission the Paper to any academic institution; and. excludes all liability for essay damages arising out of percentages or in ever essay, connection with your use of this Website. The latter includes, without limitation, damage caused to your computer, computer software, systems and programs and scopes research, the data thereon, or any other direct or indirect, consequential and worst essay, incidental damages. The Paper provided to you by englishessays.net remains our property and is the scopes research subject to copyright and worst ever essay, other intellectual property rights under local and international laws conventions. The Paper is intended for your personal use only and it may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes without our prior written consent. You agree not to scopes research, engage in the use, copying, or distribution of worst feeling ever Papers other than expressly permitted herein.

We post Clients` testimonials on our Website which may contain personal information (first name or initials). Hereby by accessing or using this Website, you provide us with your consent to post your first name/initials along with your testimonial on our Website. We ensure our posting these testimonials does not interfere with your confidentiality. Future. If you wish to feeling essay, request the book report removal of your testimonial, you may contact us at [emailprotected] NOTIFICATION OF CHANGES. englishessays.net reserves the right to change these Terms and worst feeling essay, Conditions at any time and your continued use of the book report software Website will signify your acceptance of any adjustment, improvements and/or alterations to these Terms and Conditions. You are, therefore, advised to re-read these Terms and Conditions on worst essay, a regular basis. This web site is owned and operated by Viatta Business Ltd. HEXO+ Self-Flying Camera Drone, with a suggested retail price of $1,249.00 USD («Main prize»). FreePage (single use) SMS inform (single use) Plagiarism Report (single use) 50$ to your bonus balance which you can use in 365 days 100$ to your bonus balance which you can use in 365 days.

2. Promotional Period. The promotion begins on 7.18.2017, at 9:00 am and ends on 7.28.2017 at 10:00 pm. This Privacy Policy (“Policy”) describes how information about You is how to solve word collected, used and disclosed and provides other important privacy information, describes when and how we may change this Policy, and worst essay, tells You how to contact us with any questions or comments. We collect information about You and computer(s) You use when You use our Services or otherwise interact with us. “Personal Information” means information that we directly associate with a specific person or entity (for example: name; addresses; telephone numbers; email address; payment information; device location etc.). “Client”, “User”, “You” and “Your” refers to report, you, the person accessing this Website and accepting these Privacy Policy. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same. HOW INFORMATION ABOUT YOU IS COLLECTED.

We collect information about You in feeling, three primary ways: Information You Provide. We collect information that You provide to us when You apply for and use and/or purchase our Services or otherwise communicate with us. For example, some of the ways You may provide information to us include: When You purchase our Services, the payment system will require your personal, contact, billing and credit information. When You establish or modify Your user account online, We may collect user identification information, passwords, and/or security question responses that You will use for future sign-on. When You interact with our Customer Service representatives, enter information on book report software, our Website, submit survey responses, or pay for Services, we may also collect Personal Information and other information. We may monitor and feeling, record phone calls, e-mails, live chats, or other communications between You and both and essay questions require, our Customer Service representatives or other employees or representatives. Information We Collect Automatically. We automatically collect a variety of worst feeling essay information associated with Your use of our Services. Each time You visit the Website, Personal Information is automatically gathered.

In general, this information does not identify You personally. Examples of automatically collected personal information include, but are not limited to: IP address, Collection Date, Publisher Name, Connection Speed, Day of Week Time of Day (hour), Language settings, Country, City (relating to IP address, if available). For example, some of the book software ways we may automatically collect information include: Cookies and worst feeling ever essay, similar technologies. A “cookie” is a small text file that a web site can place on Your computer's hard drive in order, for example, to collect information about Your activities on the Website.

The cookie transmits this information back to both short-answer and essay questions, the Website's computer, which, generally speaking, is the only computer that can read it. We need to use cookies on the Website to worst, enhance the user experience and avoid multiple logins or password authentication requests. We may use, or we may engage third-parties to use on our behalf, cookies or similar web tags (small data text files placed on how to percentages problems, your computer or device) or similar technologies to identify Your computer or device and record Your preferences and other data so that our Website can personalize Your visit(s), see which areas and worst ever essay, features of our Website are popular, and improve our Website and Your experience. Depending upon Your computer, You may be able to paper, set Your browser(s) to reject cookies or delete cookies, but that may result in the loss of some functionality on the Website. We may also use web beacons (small graphic images on a web page or an worst feeling essay HTML e-mail) to monitor interaction with our websites or e-mails.

Web beacons are generally invisible because they are very small (only 1-by-1 pixel) and the same color as the background of the web page or e-mail message. Web Browsing Activity. When accessing our Website, We automatically collect certain information about on forest Your computer and Your visit, such as your IP address, browser type, date and time, the web page You visited before visiting our Website, Your activities and purchases on our Website, and other analytical information associated with the Website. Information From Other Sources. We may also obtain information about You from other sources.

For example, We may receive credit information from third-party sources before initiating Your service. Ever. We may also purchase or obtain Personal Information (for example, e-mail lists, postal mail lists, demographic and marketing data) from others. HOW WE USE INFORMATION WE COLLECT ABOUT YOU. We use the information We collect for a variety of business purposes, such as: To provide and bill for Services You purchase; To deliver and confirm Services You obtain from us;

To verify Your identity and maintain a record of percentages Your transactions and interactions with us; To provide customer services to You; To create, modify, improve, enhance, remove or fix our Services and their performance; To identify and suggest products or services that might interest You; To make internal business decisions about current and feeling ever, future Service offerings; To provide You customized user experiences, including personalized Services offerings; To protect our rights, interests, safety and paper, property and essay, that of our customers, service providers and other third parties; and. To comply with law or as required for essay legal purposes. We may use Personal Information for investigations or prevention of fraud or network abuse.

We may use information we collect to contact You about our and/or third-party products, services, and offers that We believe You may find of interest. We may contact You by telephone, postal mail, e-mail, or other methods. You may see advertisements when You visit our Website. We may help advertisers better reach our customers by providing certain customer information, including geographic information, language preferences or demographic information obtained from feeling ever essay, other companies. This information is used by advertisers to both require you to, determine which ads may be more relevant to You. Feeling Essay. However, we do not share Personal Information outside of our corporate family for advertising purposes without Your consent.

WHEN WE SHARE INFORMATION COLLECTED ABOUT YOU. We do not sell, license, rent, or otherwise provide Your Personal Information to how to percentages problems, unaffiliated third-parties (parties outside our corporate family) without Your consent. We may, however, disclose Your information to unaffiliated third-parties as follows: With Your Consent. We may disclose Personal Information about You to third-parties with Your consent. We may obtain Your consent in writing; online, through “click-through” agreements; when You accept the terms of worst feeling essay disclosures for certain Services; orally, when You interact with our customer service representatives. We encourage You not to share Your password.

If You provide Your user account password and/or security question responses to conclusion, third parties they will have access to feeling, Your Personal Information when they access Your user account with Your account password. To Our Service Providers. We may disclose information to third-party vendors and how to solve percentages problems, partners who complete transactions or perform services on worst feeling ever, our behalf (for example, credit/debit card processing, billing, customer service, auditing, and marketing). In a Business Transfer. We may sell, disclose, or transfer information about essay on forest You as part of a corporate business transaction, such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of ever company assets, or in scopes paper, the unlikely event of insolvency, bankruptcy, or receivership, in worst feeling essay, which such information could be transferred to third-parties as a business asset in the transaction. For Legal Process Protection. We may disclose Personal Information, and truth, other information about You, or Your communications, where we have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary: to satisfy any applicable law, regulation, legal process or enforceable governmental request; to enforce or apply agreements, or initiate, render, bill, and collect for feeling services and truth essay conclusion, products (including to collection agencies in order to obtain payment for our products and services); to protect our rights or interests, or property or safety or that of others; in connection with claims, disputes, or litigation – in court or elsewhere; to facilitate or verify the appropriate calculation of taxes, fees, or other obligations; or. in an emergency situation. We may provide information that does not identify You personally to third-parties for marketing, advertising or other purposes. HOW WE STORE AND PROTECT THE INFORMATION COLLECTED ABOUT YOU. Protecting Your Information.

We use a variety of ever essay physical, electronic, and research paper, procedural safeguards to protect Personal Information from unauthorized access, use, or disclosure while it is under our control. Unfortunately, no data transmission over the internet can be guaranteed to worst essay, be completely secure. As a result, although we will utilize such measures, we do not guarantee You against how to solve problems the loss, misuse, or alteration of Personal Information under our control, and You provide Personal Information to us at Your own risk. Ever. You should always take care with how You handle and disclose your Personal Information and should avoid sending Personal Information through insecure e-mail, social networks or other internet channels. Retention and Disposal. We retain information only for as long as we have a business or tax need or as applicable laws, regulations and/or government orders allow.

When we dispose of report software Personal Information, we use reasonable procedures designed to ever, erase or render it unreadable (for example, shredding documents and wiping electronic media). PRIVACY POLICY UPDATES. How We Communicate Changes to This Policy. We may update this Policy at any time to scopes and limitations, provide updates to or clarification of our practices. If we make changes we may provide You with additional notice (such as adding a statement to the homepage of our Website or sending You a notification). You should refer to this Policy often for the latest information and the effective date of any changes. This web site is owned and worst, operated by Viatta Business Ltd . A Partner is an individual who refers customers.

A Referral is an individual who requests a service via the referral link given by a Partner. With the first order, a Referral acquires a 15% discount on the order, while a Partner receives $50 to the Referral Balance. With further purchases, a Partner earns 5% of the Referral’s total order price. All money earned with the Referral Program is stored on your Referral Balance. A Partner can transfer the money to software, the Bonus Balance and feeling essay, use it to purchase a service.

It is possible to transfer the sum to the Partner’s PayPal account (no less than $20).