SECURITY ASSESSMENTS AND RESEARCH DIRECTIONS IN CLOUD COMPUTING(4)

(C) Legal contract and SLA review, e-Discovery and information management, information / data lifecycle management, compliance and audit, business continuity and disaster recovery management, information integrity and confidentiality assurance, operation, administration and access management procedures, incident response management and forensics: are the various criterions from governance, policies and procedures perspective.

So keeping all this in mind, before adopting Cloud as a platform, consumer should be aware of the precautions, and be prepared accordingly. Gellman presents some guidelines and tips for consumers, business and government, who plan to move to Cloud environment. (a) Understand Terms of Service and privacy policy carefully; also get you notified when there is any change in them. (b) Don’t put confidential data on the Cloud. (c) Recognize the Cloud provider rights about your information. (d) Read the privacy policy. (e) What about the access to data by Cloud provider after removing from the Cloud. (f) Make sure about any violating in law or policy. (g) Consult with your technical, security or corporate governance advisors.

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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