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Do you think robocallers should be fined?Depending on the jurisdiction, robocallers are subject to various civil penalties and/or criminal fines. Many states have specific statutes relating to the use of automatic dialing and answering devices (“ADADs”), the heart and soul of robocalling operations. The legislation referred to in the linked article refers to enhancing already existing federal law that enables the FCC to fine robocallers. The FTC also can and does prosecute violations of their “Do Not Call Registry” and attendant regulations.But the question asked is whether I think robocallers should be fined. First, it doesn’t matter what I think, the activity already is subject to fines and other sanctions. I will observe that one type of robocaller that neither the law as it exists now or as it might be enhanced is not subject: political campaigns. I will bet that a lot of the aggrieved Americans referred to in the article are actually complaining about those very types of calls — especially when they come from “the other side,” as it were. Those are not going away.Other types of robocalls that are presumptively legal include charitable solicitation calls, debt collection calls, informational calls and telephone survey calls. I bet people hate those too. I know I do. I get a survey call at least once a day on my landline (which I still have for sentimental reasons and out of personal inertia). I especially hate the new form of call that mimics a person actually getting you on the line, often asking something like “Chris? Is that you?” I became savvy to these obnoxious calls after the first few times when I realized that the seemingly kindly woman didn’t stop from launching into the same spiel she had the last time I told “her” I didn’t want to speak to “her” and hung up. Rude, I know, but I don’t care. I came to realize it wasn’t even being rude. There is no “her” or “him.” There is only an “it” on most of these calls.BUT! I can’t stop those calls unless or until they just get tired of calling me. That’s because the vast majority fall into one of those exempt areas of calls noted above. D’oh!There are also exceptions in the laws that may allow businesses especially to make the calls to particular people. One large exception (or exemption) is that the calls are lawful if the entity has “prior express written consent” to call you (the use of an ADAD is coincidental, not consequential for these calls). But, guess what! Pretty much everyone that has a credit card, or a store-issued card, or a bank account, or a retailer with an online presence … Has actually supplied that “prior express written consent.” You have, OP, although you may not realize it. That consent may be obtained by email, audio recording, web opt-in, etc., so long as certain procedures are followed per the federal E-Sign Act. More than that, you may have actually intentionally and knowingly supplied express written consent. I mean, you probably figured you would want your bank to contact you if, say, someone started scamming on your debit card, right? But, that’s not allll you gave your consent to. Do’h!One purpose of the “privacy statements” you get in the mail (including email) from all your credit card companies, your bank, Amazon Prime, etc. is to let you know who-all and what-all you’re giving express written consent to. If you haven’t read one of these statements before tossing it out, you might want to pack a lunch and dig into one or two. You will see that they are telling you that unless you let them know otherwise, they can solicit you via telephone, text, and email. If they figure out a way to do it telepathically, they will put that into the privacy statements too. What you will probably notice on the first page of the privacy notice — if it is well-designed and “consumer friendly” — is what you can opt out of and what you can’t opt out of. For example, you might be able to opt out of being contacted (by phone, email or telepathy) by “subsidiaries and affiliates” of the company, but not opt out of contacts by the company itself. The only way to ultimately opt out of all contact is to destroy your cards, close your accounts and probably move to a desert island.You might say to yourself: “Well, I don’t remember ever agreeing to this nonsense.” Oh, but you did. You did when you first did a transaction with the business or signed the original account agreement. It was buried in what is generically referred to as “mandatory disclosures.” These are sometimes called “terms and conditions.” They go on for pages and pages and pages…. I recall a story about a professor at some institution of higher education that specializes in internet commerce who downloaded the mandatory disclosures from one online merchant’s website, taped the pages end to end, and placed one end of the resulting paper snake on top of the building he taught classes in and they reached all the way to the ground. Yep. It’s all in there, your prior express written consent included.Now, getting back to whether I think robocalls should be fined may presuppose that I also think that no expense should be spared to identify the source of the dastardly calls. As it turns out, in my professional capacity, I observed that nothing drives people crazier than telemarketing calls in general, and ADAD calls in particular. But I also know that the truly criminal calls (IRS tax frauds and the like) are sourced offshore and it is virtually impossible to identity who is behind them, let alone prosecute them.I also know that many — perhaps most — commercial robocalls are legal (as in exempt from prosecution), as noted above.So, where am I going with this? Here: ADAD calls are a nuisance, without doubt; but, it is probably not worth the public resources needed to track down the perpetrators for the practice of making the calls themselves.That said, as a practical matter, from a prosecutorial standpoint, if a more substantive violation (such as misrepresentations and other misleading solicitations) can be established, tossing a ton of unlawful ADAD violations on top is good strategy. That is because whether claims and statements are unlawfully misleading can sometimes be difficult to prove; the calls can be, as folks say, an open and shut case. Furthermore, since each unlawfully placed call can be a separate violation of the law, the sheer numerosity of calls can really wrap up a bad actor in a massive aggregated monetary penalty. If nothing else, you can put them out of operation over the calls alone, which achieves the law enforcement objective as well as the satisfaction of members of the general public who love nothing more than hearing how a telemarketer got slammed.So, what I think about fining robocalls, I think that enforcement mechanism has it’s place. But going after solicitors making the calls for its own sake might take resources away from more urgent activities. After all, at the end of the day, people can just, you know, hang up. Eventually, the calls do go away. To be replaced by new calls from someone else.And so forth.

NO!Ignoring it will only make it go away once - they will continue to receive these notices as well as legal issue that come along with NOT responding to jury duty.Ignoring it will just create more headache than it is worth!Notify the court of their passing (sorry for your loss) - they will need to see a copy of their death certificateFind out were they generate their list from - property records, DMV, voter registration, etc. Notify this organization as well.In fact notify each of the above to make sure everything is correct!I assume you are still getting other mail for them as well…these tips will help with the unwanted mailIf you have an old copy of their credit reports (Experian, Equifax, TransUnion & Innovis) - Contact ALL the creditors and make sure they are aware of your spouses passing. If you still have access to these accounts - opt out of “sharing” via the companies privacy policy or log into these accounts and change the preferences - marketing, security, privacy, your choices, etc.DMAChoice - deceased individual will help reduce their marketing/junk mail. Be sure to include ALL their past information - use the website truepeoplesearch as a reference of what to include (correct and incorrect info). Why? This report is a accumulation of the info that marketing databases has on your deceased spouse and you want ALL their mail/phone calls/emails (no matter the address/phone/email) to STOP. This will help the poor soles who are receiving your deceased spouses mail/phone calls connected to these items.Marketing/junk & “or current resident” mail - Contact each mailer directly and remove their name/address from the senders mailing list.Presorted STD mail - this mail is an indication that the individual had an account with this company (or an affiliate). Before removing the name/address from the mailing list. Make sure the account connected has been closed - before closing be sure to opt out of “sharing”. Why? Even though an account is closed the company can still sell/trade/loan/share your personal info (name/address/ph/email/DOB, etc.).When ALL the financial affairs have been addressed - wait an entire year after last item taken care of - to see what stragglers appear. Submit a handwritten USPS COA (change of address) - select individual, new address DECEASED DOD xx/xx/xxxx, sign xxxxxx spouse. Take this form with a copy of their death certificate to the post office and deliver to the clerk! This will STOP ALL the mail addresses to this individual - so be certain it is time to do this!!Here is a good checklist to make sure you have done ALL the unfortunate paperwork that comes with a death.What To Do When Someone Dies: A ChecklistWhat to Do When Someone Dies: A Checklist Losing someone close to you can be incredibly difficult, and if you’re responsible for handling funeral arrangements and personal affairs, the experience is often overwhelming. If this applies to you, here’s a checklist of things that need to be taken care of after someone passes away. Note that some of these items can only be managed by the executor of a person's estate, so if this isn't you, it's generally a good idea to work closely with the person who is. What to do as soon as possible 1. Get a legal pronouncement of death. If your loved one died in a hospital, a doctor can take care of this for you. However, if your loved one passed at home or in another location, you'll need to know who to call. If he or she passed away while in hospice care, call your hospice nurse. If your family member wasn’t at a hospital or in hospice, call 911. 2. Arrange for organ donation, if applicable. Check your loved one’s driver’s license and/or advance directive to see if he or she was an organ donor. If so, let hospital staff know immediately (or call a nearby hospital if your loved one died at home). Organ donation is time-sensitive, so this is one area where it’s important to act quickly. 3. Notify close friends and family. Every family is different, and there’s no one right way to do this. For some families, sharing the news in-person or over the phone is critical. For others an email or text message may be alright. If possible, split up the task between several family members. 4. Decide what you’d like to do with your loved one’s body and arrange transportation. First, check to see if your loved one expressed any wishes about final disposition or had made prepayments to a funeral home or cemetery . Ideally, there will be documentation with other medical documents. If no wishes or plans have been stated, you have three main options: Call a funeral home. A funeral home can help you arrange either a burial or cremation. We recommend checking reviews and prices for a few different funeral homes before making a decision, as both can vary widely. A few minutes of research can save you thousands of dollars and reduce unwanted surprises. Call a direct cremation company. While you can arrange a cremation through a funeral home, there are also cremation-specific companies that will work with you directly if you aren’t interested in the added services of a funeral director. A direct cremation through a cremation company can be one third of the cost of a direct cremation through a funeral home. Call a full-body donation organization. Your loved one may have already registered to be a body donor , so check for paperwork. If he or she hasn’t, there are still many programs that accept donations from next of kin. Many university medical programs rely on body donations, and other for-profit companies, such as Science Care and BioGift , will cover most costs and coordinate with other research programs. Body donation is often a goohttps://everloved.com/articles/end-of-life-affairs/what-to-do-when-someone-dies-checklist/

Your privacy is important to us and we believe it is important for you to know what personal data we, Tata Consultancy Services (“TCS” or “we”), collect from you (and third parties), why we collect it, how we use it and what rights you might be entitled to as a data subject or consumer.Please note: all information in this privacy notice is applicable to you unless otherwise indicated based on your residency status. For the additional terms which may be applicable to you based on your residency status, please refer to your country-specific terms at the end of this notice. In this notice, term “personal data” is used to represent any information relating to an identified or identifiable person; country-specific notices might adopt a different terminology.We encourage you to read this notice, together with any additional and more specific information we may provide to you on various occasions when we are collecting or processing personal data on TCS websites, products or applications, events and initiatives so that you are aware of how and the purpose for which we are processing your personal data. (Please note: We issue a different privacy notice which applies where there is an employment relationship between TCS and its employees.)How we will use your personal informationWe may collect different kinds of personal data in several different ways and use it for a number of different purposes:To ensure access to our website and online services.In general, you can visit IT Consulting Services & Business Solutions | Tata Consultancy Services (TCS) and its affiliate websites on the World Wide Web without telling us who you are. Our web servers or Affiliates who provide analytics and performance enhancement services may collect:- IP addresses,- operating system details,- browsing details,- device and connectivity details, and/or- language settings.This information is aggregated to measure the number of visits, average time spent on the site, pages viewed and similar information. TCS uses this information to measure the site usage, improve content and to ensure safety and security as well as enhance performance and user experience of the website. In few situations, you are required to register to access an authenticated area of the website: in these cases, we will also collect your username and password.We may also obtain data from third parties including:- Social networks, when you grant permission to us to access your data on one or more networks through our website.- Service providers, who help us to determine a location based on your IP address in order to customize offerings and content to your location.- Partners with whom we offer co-branded services or engage in joint marketing activities.TCS uses cookies (small text files placed on your device) and similar technologies to facilitate proper functioning of our websites and to help collect data: please read here our full cookie policy. Please note that our websites may include links to websites of third parties whose privacy practices differ from those of TCS; if you provide personal data to any of those websites, your data is governed by their privacy statements.To answer your queries, support and contact requests.If you contact us with queries, requests for more information about initiatives or products or other generic support inquiries, we may need to process personal data about you such as:- personal and contact details, like full name, company and role, email and address,- demographic data,- qualifications and profession, and/or- the content of your messages to us.For information about managing your contact data, email subscriptions and promotional communications, please use the contact us form on the IT Consulting Services & Business Solutions | Tata Consultancy Services (TCS) or affiliate websites where you had given your Personal data.Subscriptions to our promotional communications.If you sign up to receive marketing communications from TCS we may send these by email, post, telephone or any other means of communication. For information about managing your contact data, you may reach out to the contact details provided in the event privacy notice or in the emails you receive, or you may use the contact us form on the IT Consulting Services & Business Solutions | Tata Consultancy Services (TCS) or affiliate websites where you had given your Personal data.To administer events and initiatives.TCS frequently organizes events and initiatives, either free to join or by invitation only; in these cases, this privacy notice applies to both participants and speakers, together with any other supplementary information that is provided in relation with each event. To allow participants to join the events (including communications pre and post event), we are required to collect and process a limited amount of information, such as:- full name,- company, job title and business email address,- telephone number,- location, and/or- pictures and video of you.Where a hospitality service is provided, we may also collect, store and process “special categories” of more sensitive personal data (SPI), such as dietary requirements or personal disabilities. This will be done only and to the extent permitted by law. Events might be recorded, hence pictures and videos may be collected too; in such cases, you may be informed via a specific notice at the location of recording. This material may be used later by TCS for further compatible purposes in accordance with the notices you receive. Also, during the course of the events, we may collect from you data about yourself, which we later may use to contact you again in order to receive feedback and/or provide further commercial information about TCS; this may be done with your consent, wherever necessary.We may also obtain data from third parties including third party event organizers where the event is sponsored by TCS. Organizers might provide the attendee list. In such cases, the privacy statement of those third parties to whom you provide your personal data will apply to you.To promote the TCS brand, products, initiatives and values with marketing communications.TCS has a strong legitimate interest in promoting its brand, products, initiatives and values. We may send you marketing communications through different channels, such as email, phone calls, post or any other means of communication; to do so, we might use your contact details which were previously collected in the context of an event, a query sent by you or through the navigation on our websites. We may also obtain your personal data from third parties, such as business partners, data brokers, social networks, publicly available sources and marketing companies. In such cases, we will also comply with any additional restrictions imposed by the region in which your data was collected as well as the source of the data. If required by applicable legislation, we will ask for your consent separately before sending any marketing communications. You can opt-out from receiving such communications at any time using the contact us form on the IT Consulting Services & Business Solutions | Tata Consultancy Services (TCS) or affiliate websites where you had given your Personal, writing to our Data Protection Officers or Chief Privacy Officer (see section below) or by any other given method provided from time to time (for example: unsubscribe link included at the bottom of emails).From time to time, we may use your name, quotes, pictures or videos to promote and amplify TCS’ brand and activities. In any such case, you will receive appropriate additional information about the usage of your personal data.To manage, administer and fulfill the obligations under contracts, and regulationsWhere TCS is in a contractual relationship with you (other than an employment relationship), your employer or your company, or is taking steps to enter into such a contractual relationship, we may need to process your personal data, usually limited to name, business contact details and job title in order to enter into and/or fulfill the obligations arising from the same contract, such as providing you or your employer or company with the services you have requested or make use of the services that you or your employer or company are offering to us. We will also process such personal data for ancillary tasks related to our daily business activities, such as accounting, auditing, reporting (to regulators and authorities) and to comply with applicable regulations.If you do not provide certain information when requested, it may delay or prevent us from administering a service you have requested from us, or in replying to your queries and/or in letting you join our initiatives.We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason that is compatible with the original purpose and applicable law. If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.How we will share your personal informationWe may share your data with third parties, including third-party service providers and other entities in the TCS group. Please note, TCS has not in the past, nor does it currently, under any circumstances sell your personal data to any third party. Further, TCS does not share your personal data with third parties for any additional purpose (as outlined below) unless required to fulfill a legal obligation or a legitimate business purpose where permitted by law.Why might you share my personal data with third parties?We may share your personal data with third parties where required by law, where it is necessary for one of the activities mentioned above or where we have another legitimate legal basis in doing so. We require third parties to respect the security of your data and to treat it in accordance with the law. Where required by the law, we will request your consent before transferring data to third parties which are not part of the TCS group of companies.Which third-party service providers process my personal data?”Third parties” includes third-party service providers (including contractors and designated agents) and other entities within our group. The following activities may be carried out by third-party service providers: hosting and other internet services, data storage and analytics, marketing research and campaign management, event organizers and caterers. All our third-party service providers are required to take appropriate security measures to protect your personal data in line with our policies. We do not allow our third-party service providers to use your personal data for their own purposes. We only permit them to process your personal data for specified purposes and in accordance with our instructions and applicable law. We may also need to share your personal data with regulators or to otherwise comply with the law.When might you share my personal data with other entities in the group?We may share your personal data with other entities in the TCS group as part of our regular reporting activities on company performance, in the context of a business reorganization or group restructuring exercise, for system maintenance support and hosting of data and when it is required to do so in order to perform one of the activities listed above (see "How we will use information about you"). Other entities in the TCS group are required to take appropriate security measures to protect your personal data in line with our policies.Transferring your personal data outside of your country of residenceWe may transfer the personal data we collect about you to one of more countries outside of your country of residence or outside of the country in which you access this website, including India, in order to perform one of the activities listed above (see "How we will use information about you"). – In such cases, we have put in place the appropriate measures to ensure that your personal data will be secure according to the laws of the country in which you reside. If you require further information about these protective measures, you can request it from our Data Protection Officers (see contacts below) or send an email to [email protected] we will keep your information safeWe have put in place appropriate technical, organizational and security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.How long we will keep your informationWe will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Details of retention periods for different aspects of your personal data are available in our retention policy upon request from our Data Protection Officers (see contact details below). To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.In some circumstances we may anonymize your personal data so that it can no longer be associated with you, in which case we may use such information without further notice to you.How to contact usIf you have a privacy concern, complaint or a question regarding this privacy statement, please direct it to the Chief Privacy Officer of Tata Consultancy Services at [email protected] or contact us through the “Contact us” form on IT Consulting Services & Business Solutions | Tata Consultancy Services (TCS) or affiliate websites where you had given your Personal data indicating your concern in detail.For the purposes of the data processed under this statement, the controller or business/service provider for the data processing of your personal data collected through our websites is Tata Consultancy Services Limited, TCS House, 2nd Floor, Raveline Street, Fort Mumbai 400 001, India. For all the other purposes indicated above, the controller or business/service provider is the same entity unless indicated otherwise in other privacy statement communicated in each situation.Right to withdraw consentIn the limited circumstances and based on your country of residence; where you may have provided your consent to the collection, processing and transfer of your personal data for a specific purpose, you may have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact our Data Protection Officers (see contacts below). Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legal basis for doing so.Please find below the list of region wise Data Protection OfficersWe have appointed Data Protection Officers (DPOs) to oversee compliance of TCS with applicable data protection laws and with this privacy notice. If you have any questions about this privacy notice or how we handle your personal data, please contact the DPO in your region: