Legal Annex Foundation

Do you know what your duties are as a director of your daycare centre? Many business owners are unaware of the legal implications of being a director of an establishment. Whilst understandably, many of us are not legal professional, it is important to know what’s required of you as a director so that you can make a conscious effort to stay away from situations which could potentially put you in conflict with your duties as a director.

A director’s duties can be categorized broadly as:
• Fiduciary Duties
• Duties of skill, care and diligence
• Statutory Duties

1) Fiduciary Duties

a. A director is required to act in genuine interest of the company’s interest at all times

As a director, he is required to act honestly and conduct due diligence when discharging his duties as a director. Should a director be forced to make a decision or undertake a transaction which may seem unviable or disadvantageous for the company, he must be able to justify other intangible benefits for the company; either to the company as a corporate entity or its group of company, the members and employees in the company or the interest of the creditors in the company.

b. A director must avoid positions where his personal interest may be in conflict with his duty

A director must ensure that he acts in the best interest of the company at all times and not be in a position where his personal interest will impair his judgment resulting in a situation where his personal interest take precedence over the company’s interest.

c. Duty to use powers for proper purposes and not for any collateral purpose

A director must understand that he is the trustee of the company’s assets and the company assets entrusted to him are to be applied for the company’s purpose and interest. It is considered a breach of fiduciary duty should the director misapply the company’s assets or abuse his power. Even if he was misguided on what was in the company’s interest, the director is still in breach of his duty should be misuse his powers. And should he misapply the company’s funds, he is in breach of criminal breach of trust, be it or not he has personally benefited from it. A director must not accept any form of reward or payment from any third party other than his company.

2) Duties of skill, care and diligence

A director must ensure that he exercise reasonable care and skill when undertaking his director responsibility with any additional knowledge and experience which he actually has..

3) Statutory Duties

A director’s breach of statutory duty can be a civil breach rendering the director liable to the company for any profit made by him or for any damage suffered by the company or a criminal offence.

a. Duty to disclose certain important information

A director is bound to disclose certain information to the company such as interest in a proposed or existing transaction or arrangement with the company or loans to director, etc. The type of information that a director is required to disclose can vary slightly from country to country and state to state.

b. Duty to ensure that the accounts are properly prepared

It is the director’s duty to ensure that the accounts are properly prepared and managed. The accounts should provide a true and fair view of the state of affairs of the company and explain its transactions.

In essence, it is important to note that a director’s duty to the company is an important one. He must at all times act with care, honesty and diligence and make decisions which are in the best interest of the company and not oneself.

Fire safety procedures and actions are heavily legislated now in the UK but apart from having regular fire risk assessments, there are ways in which to create a state of mind in your employees to not only recognise the risks of fire but also to pursue safety principles that will aid the prevention of fire. The law obviously has certain legislation that ensures business premises have extinguishers and suitable exits, but there are ways in which to make your business safer that work in addition to legal responsibilities. Here are ten of the best tips for those who run businesses to make sure fire safety is a primary concern.

1) The first of these safety tips is to make sure that the exits within your business are extensive; having suitable doorways and staircases means that staff members will have a suitable number of exits should a fire break out. In addition, these exits should at all times be kept clear, items such as cardboard boxes and furniture should never be placed in front of exits; understandably people tend to panic when fire breaks out, ensuring they have a clear route out of the premises is essential.

2) Second, it is important to install some form of emergency lighting as a safety precaution should fire break out. The most useful of these systems are battery operated and initiate operations when the alarm is sounded. They are not designed so that people can work under their light but to provide at least an hour’s light that is sufficient to allow the evacuation of a property.

3) The third piece of fire safety advice that may be raised by your legally obliged fire risk assessment will be your use of extension cables. Many businesses utilise extension leads and there is no problem with this as long as it is done with safety principles in mind. An extension cable should never be run through doors or under carpets where it may be hard to notice wear and tear. If you are having problems with the outlets in your premises, rather than using extension leads it is more advisable to increase the number of outlets.

4) In addition to the use of extension leads, it should be remembered that multi plug adaptors should ideally be used as a temporary solution to power problems. Most fire safety professionals will advise businesses that these types of plug are inherently unsafe; ideally, a certified electrician should be used to increase the number of outlets.

5) Legally, most business premises should have some form of alarm system should a fire break out, especially if the premises is used for manufacture or houses flammable materials. These alarm systems should be checked and tested regularly by a fire safety officer to ensure that they are working correctly and more importantly will work when a fire breaks occurs.

6) In addition to the fire alarm, it is an important safety procedure to enact fire drills on a regular basis, by doing this you will give your staff the best chance of escape should the worst happen. A general figure, although not legally defined for all types of business is to conduct a drill every quarter of the year, if working in an environment with children this figure should be around one a month.

7) As part of your fire safety precautions it is often advisable to install some form of sprinkler system. Once again these systems will have to be tested regularly by fire safety officers to ensure they are working properly.

Legally, all business premises must have fire extinguishers as a safety precaution. It is also important that the right types of extinguishers are installed to deal with the different types of fire. In addition, you should have these extinguishers tested regularly by a professional and staff should be made aware of their positions and how to use them.

9) Finally, as part of your fire safety strategy detailed records of all the above should be taken in order that you have a file that contains all of your fire procedures should it come to the time of an inspection. Fire can ruin a business; understandably managers want to keep their staff members safe, subsequently having an all encompassing approach to safety is essential.

Below I will talk about my top 10 tips to help you find a legal music download site. Hopefully they will help you divert away from illegal download sites.

1. Pay for use

This is one of the most effective ways to identify whether a site is legal or not. Look for download sites that charge you per song, or per month or per year.

If you see a site offering free music downloads for a certain trial period, then this doesnt necessarily mean that the site is legal. Many legal sites use this as an enticement, so do not be put off by that.

2. Size Limits

A legal music download site generally distributes music from reputable labels and artists. This means that you will not find a wide range of mixes and custom files that will almost certainly slow down your connection, and therefore take forever to download.
Moreover, if these files are small it assures the music retail industry that the music site is actually selling real legal music, and not the massive files associated with computer games and movies etc

3. Volume limits

Legal music download sites usually distribute their material on a per song basis. One of the major advantages of buying your music online is that you dont have to spend $17 for an entire album if you only want 3 or 4 songs.
Legal music sites will actually setup download limits as well as transfer rate limits. As a result, this prevents dishonest customers from setting up their computers to copy hundreds of files in a few hours.

4. Larger databases, Larger costs

The larger the databases that the legal download sites have, the more it will actually cost you. This can actually lead to paying a bit more than a normal CD in the shop IF the store has literally hundreds and hundreds of thousands of songs because they could cost between $1 - $3.
Therefore, dont go for the exceptionally large databases. The reason why these sites are more expensive than the illegal music sites is because they are obliged to give a portion of their fees back to the recording industry.

5. Limited Choice

Most of the legal music download sites dont have the capacity or copyright authority to distribute hundreds of millions of songs. The songs are stored on servers with a finite amount of space unlike the tangled web of computer to computer file transfers from the illegal sites.

The other reason for the limited choice is that it is highly unlikely that they will get an agreement from every single record label to distribute their music online.

The quality of every online music catalog depends on the Music Studios that are providing the material. Established, and therefore popular artists usually switch labels at least once during their singing career. So you might have access to their newer materials, but not the older songs, or vice versa.

6. No Adware or Spyware

Legal music download sites like their offline retail counterparts are getting an actual fee for their service. They dont want to scam or upset their customers by placing dangerous and annoying spyware and adware programs on their computers.

7. Music Only

The fact is that a legal music download site will only have music on it to download. This means that you wont be able to download computer games, movies or anything else like this.

8. Copyright Notice

A clearly written copyright notice should be provided on the site stating:

a) The nature of the site owners authorization to distribute legal music files online

b) What you can do with the files once you have paid for them

c) Any limitations on either party as far as use and distribution of the files.

9. No file sharing allowed

You are only allowed to use the files for personal use. Unlike a CD (physical product) you cannot purchase songs, use them and then sell them to another party or distribute them free of charge to friends, family, web surfers etc.

10. Backed by a big label?

Most of the legal music download sites are backed by at least one major music label. People are looking for songs that are popular, on the radio, playing in the clubs or on MTV.
All of that commercial material comes out of the studio system. If the label does not provide the material, subject to fees, taxes and copyright notices, then the site cannot legally distribute them.

Interviewing for a legal assistant position is not very different from applying for other jobs. As with any job interview, you should be well prepared, present yourself effectively, and make sure you leave a pretty good impression on your interviewer. However, there are some key points that you have to remember if you want to increase your chances of landing a legal assistant position. Below are some helpful tips for a successful interview.

Do your homework

Before your interview, it is important that you do some research about the organization and gather information on the company’s background, performances and future plans. Find out all that you can about the company through personal contacts, written materials, or the internet. It is also best to know the biographies, accomplishments and legal practices of the attorneys that you might be working with in the future.

During the interview, you should ask relevant questions to show your interviewer that you have indeed done sufficient research about the company. Also, make sure you find out what kind of law the company is specializing in. For example, if the position of legal assistant is for real estate law, you should have some knowledge about closings and real estate law.

Refresh your memory

Most people tend to forget certain terminologies over time. It’s either you have been out of work for a long time, or simply don’t encounter all the technical or legal terminologies in your previous or current job. It’s time to go back to your old notes and books, and refresh your memory with some of the legal terminologies that the interviewer may use during the interview.

Wear appropriate business attire

You should wear the appropriate business attire. Though law firms have casual business attire, it is still advisable to look presentable during your interview. Prepare the relevant materials that you will need to take with you, like a complete portfolio containing copies of your resume, transcript of records, certifications, references, and other pertinent materials that show your accomplishments.

In addition, make sure that you have a pen and a piece of paper with you so that you can take down notes during the interview.

Be on time

Show your enthusiasm to join the company and let your interviewer know that you are very interested in what they do and what they can offer. In the legal world, time is very important. Never arrive late for your interview; you should make it a point to arrive at least 15 minutes early. This will show the interviewer that you are serious about the job you are applying for.

Stress on your best qualities and always stay calm

Try to present yourself as a person who is helpful, thoughtful and trustworthy. Bear in mind that legal assistants are required to keep confidential business information, so being prudent is very important. Remember to maintain eye contact at all times, listen attentively to the interviewer’s questions and take time to organize your thoughts. Make sure you take part in an interesting conversation about the firm, your work, and yourself. Relax and stay calm throughout the interview.

Relate qualifications to the need of the company

When you are asked questions about your qualifications or experience as a legal assistant, you should direct your answers to what you know about the company, and relate your strengths and accomplishments to the needs of the company.

Give specific examples of your credentials as a legal assistant, and if possible, give a complete account of the different projects you have done in the past, your responsibilities in those projects and the importance of those projects to your position as a legal assistant in your previous working environments.

Do not pass judgment on your former employer

Never say anything awful about your current or previous employers. Always keep in mind that the legal world is very small. Who knows, the person you are spiteful of may be a friend or relative of your interviewer.

Show interest in the position you are applying for

As the interview comes to a close, you should let your interviewer know that you are very much fascinated with the position that the company is offering and inquire about the next step that you will need to take to complete your application. It is also good to ask when you can expect to hear from them about your application. At the same time, don’t forget to shoot a thank you email within 24 hours after your interview.

Though it is good to have a happy marriage, when you face a hard situation like divorce, you should have the courage to overcome it. Usually circumstances for divorce occur bit by bit and not suddenly. If you happen to unfortunately enter into the divorce market, you may have to consider the following things on divorce to overcome the process smoothly. Relying solely on friends and family alone for advice would not help you much.

1. In US, law on divorce differs from one state to another. For example divorce in California is different from divorce in Wisconsin. Though they differ mainly on division of assets, divorce can be filed only in the state where you live. You can not go to another State which offers more on division of assets.

2. Nowadays, an uncontested divorce, also called as no-fault divorce has become more popular and common amongst spouses opting for divorce. Under this divorce, they have to mutually agree and understand that divorce is the only option for both spouses, after arriving at a basic agreement on splitting up of jointly owned assets. The process becomes easiest when there is no involvement of children out of the wedlock. For no fault divorce, lawyers are only required either on a minimal basis or they are not required at all.

3. Some states insist on a ‘test’ divorce, under which separation is required during a trial period before grant of divorce. During the period of separation, the couple opting for divorce should live apart without any interaction in between. Under the circumstances of separation, couple will get to know each other and will try to live without the partner. Many times, people suddenly discover that they do not any more require divorce during the period of separation, and get willing and prepared to make adjustments on past differences.

4. In an ‘at-fault’ divorce, any one of the couple breaches marital contract and has committed abandonment, infidelity or cruelty to the other partner. There are different kinds of cruelty such as verbal or emotional cruelty or physical cruelty. Some of the States do not require an initial trial separation for at-fault divorce. When both spouses become guilty of committing breach of marital contract, the principle of comparison rectitude is employed. This method compares the guilty parties and determines which party is guiltier. It is very difficult to prove the degree of guiltiness through mere word of mouth which can drastically change the direction of case and decide upon division of assets and property.

5. If you are facing the divorce right now, you should know the specific divorce law relating to your State in which the case is filed, even if you are under a stressful situation. A proper homework will enable you to face the situation with great courage and you will come to know and understand what to expect out of the case.

The following article covers a topic that has recently moved to center stage–at least it seems that way. If you’ve been thinking you need to know more about it, here’s your opportunity.
You can see that there’s practical value in learning more about Home Loans. Can you think of ways to apply what’s been covered so far?

There are several reasons that people may look to refinance home loans. Probably the most common is to take advantage of lowered interest rates. Some of the other reasons people refinance home loans is to pay off high priced credit cards, make home improvements, and rebuild credit rating that has taken a turn for the worse.

What is involved when borrowers look to refinance home loans? When you refinance you normally just pay off the old mortgage and sign a new mortgage. Now this will also mean most of the same costs you had when you signed the original mortgage. Depending upon your State or the terms of your mortgage you may pay a penalty for paying the note off early.

Individuals who refinance home loans look at several things before doing so. Look for a company that may be willing to waive the normal fees. These include such things as an application fee, legal fees and appraisal fees. This are all normally associated with closing fees on a new mortgage. This could save thousands of dollars. It would give you a higher monthly payment but this could be still acceptable with a small rate decrease. How long do you plan on staying in your home? If the answer is just a few months the monthly savings may not have time to catch up to the costs involved if you were not able to secure a loan from a company who will refinance home loans but will not waive fees involved. What are the new rates? As a rule try and find a rate that is minimum 2 points below your current mortgage rate.

Some who refinance home loans do so with the intention of building equity in their home faster. Now with this type of loan your month cost will be higher even with a lower rate. The benefit is you build equity faster and pay less interest over the length of the mortgage. If you wanted to refinance a 30 year mortgage to a 15 but the cost was to high you may want to check about a 20 year mortgage to still be able to take advantage of the lower rates.

The last important point to remember with companies who refinance home loans. Try and get a guarantee on the rate so that it is locked in during closing. This will keep the rate the same even if it should go up prior to your closing. You could even try and see if they will agree to a rate decrease if that should occur before closing. The refinance of home loans is competitive enough that if a company will not do either of those option. You may want to check with another company. The ultimate goal is to reduce your payments or to increase the equity of your home in a shorter time.

It never hurts to be well-informed with the latest on Home Loans. Compare what you’ve learned here to future articles so that you can stay alert to changes in the area of Home Loans.

Credit cards can be considered to be one of the many basic necessities of the modern world. Credit cards are available nowadays in abundance. One type of credit card specifically is the so-called 0% APR credit card. 0% APR credit cards were introduced in the late 1980’s and to this day has still proven to be one of the most sought-after credit card types available anywhere. As with all credit card types, there are a certain tips and tricks surrounding 0% APR credit cards that all potential card applicants should be made aware of.

With the help of a 0% APR credit card, it means that you need not only pay the outstanding balance; and what more you could even charge up to the limits without having to sustain any monthly interest charges. However, sometimes, one tends to think just how these credit card companies can afford to provide 0% APR credit cards, and make a profit out of it?

Although 0% APR credit cards may not comprise any monthly charges, it is sure to come with annual fees which you are obliged to pay for the privileges of a 0% APR credit card. These annual fees usually run from $15 to $20 or sometimes, even higher. Having a 0% APR credit card doesn’t mean that you can pay your dues whenever and whichever way you intend to. It IS necessary to make your payments on time, or else, you will have to pay for high overdue fees. For each late payment, the 0% APR credit card holder has to pay fees that may range from $20 to $40. With habitual late payments, these meager amounts may accumulate to a hefty total!

It should be remembered that 0% APR credit cards are usually offered for only a stipulated period of time. This credit card interest may hold good for only a fixed period of time, usually ranging from 3 up to 15 months. On the completion of this period, a higher rate of interest may come in vogue, usually 12% or higher. You could easily transfer any existing credit card balances to a new 0% APR credit card to get 0% interest on the transferred balance. In this way, the credit card holder has to pay less interest for a stipulated period of time, and thus get a chance to clear outstanding balances as quickly as possible.

When applying for a 0% APR credit card, it is always better to read the terms and agreements of the credit card. Not to overstate an obvious question, but why should one do so? Simply because many credit cards may come with a default rate wherein late payments not only incur a late payment fee, but it would also include a default rate that will be added to the annual percentage rate. This in turn doubles the figures on the existing balances and on the new purchases made on the card moving forward. Ouch!

One very important point to take into account when applying for a 0% APR credit card is to read all paragraphs of the agreement, otherwise known as the fine print. This is because though it is illegal for a credit card company to hide their fees and charges, it is nonetheless legal for them to mention these points in small print! The 0% APR credit card companies thus usually announce in large and bold print about their 0% APR but hide the facts that this is only for a limited period of time and any extra fees which might be included are done so in very fine print.

Another trick that is up the sleeve of 0% APR credit card companies is to install sky-high APR’s right after the amount of 0% APR balance transfers are paid down. In other words, the money you first pay to the credit card company is applied to the transfer, and any other purchases you make will be charged a high APR. Sometimes, credit card companies may also go to the extent of sending you a different card than the 0% APR credit card you had initially applied for. In this way, you are not allowed the 0% APR but a different card offer with different terms and conditions. The card issuers typically rationalize this behavior based on the card issuer determining that you do not meet the qualifications for a 0% APR credit card. Qualifications for a 0% APR credit card is usually found in the small print of the agreement, and is usually overseen by applicants!

It can thus be seen that though 0% APR credit cards do seem to be rather inviting, there are some loopholes and tricks to their use. As always, it is highly recommended to read the terms and conditions on the card application agreement for the 0% APR credit card, or any type of credit card application, thoroughly in order to avoid any future problems, headaches or financial surprises.

A divorce is never easy, but it is possible to end a marriage amicably with little or no difficulty. However, this isn’t true in the many cases. Divorce lawyers are usually the only ones that truly win in a long drawn out divorce proceeding, which tends to be extremely overwhelming for the parties involved both psychologically and financially. The longer it takes to settle a divorce, the longer the conflict continues, creating huge legal fees for both sides. If both parties agree during the divorce procedure, on the settlement and other pertinent matters within a reasonable amount of time, with little or no intervention from an attorney, then final dissolution can take place rather quickly, before the mandated waiting period is up in many cases.

First of all, when reconciliation fails and no other options remain, questions about the divorce procedure arise with many that need to be answered. A divorce usually starts with a divorce petition that is initiated by one spouse (the petitioner) and served on the other (the respondent). The petition, which includes pertinent information about the marriage, is also filed with the clerk of court in the county where the petitioner resides at this time. The facts disclosed in the petition pertain to the names of the husband and wife, the date and place of marriage, names of any children resulting from the union, separate or community property held by the parties, child custody, child support, spousal support, and any other issued to be addressed regarding the dissolution of marriage. Proper divorce procedure mandates that the respondent spouse be given notice that the divorce petition has been filed, either by the petitioning spouse or process server. The respondent then ordinarily has thirty-five days to answer or file a counter-claim. If both parties agree on the settlement, a court hearing is not required and the divorce will be final shortly thereafter.

A minimum waiting period (usually six months) is mandated in most states, and is not waived during proper divorce procedure, even if the marriage is dissolved before this time period has elapsed. Remarriage is also not allowed until the waiting period is over, which starts at the date of filing. Issues arising out of marriage tend to be complex and the divorce procedure itself tends to be quite overwhelming. Keeping physically and emotionally fit during this time will keep the stress levels down, and the less legal involvement the more money in the bank when it` all over.

Fortunately there easily obtainable divorce kits that provide all of the necessary forms for filling out and filing for divorce yourself. These kits are put together by highly experienced attorneys and can be downloaded for a fraction of the cost of going the conventional route. There are forms that provide essential information about divorce procedings and requirements for every state. Not only that, most of the online companies that supply these kits also have a FAQ section and a section on useful resources for you to use. These forms are mostly for uncontested divorces where you and your spouse are likely to agree on the terms of your separation and divorce. Usually an online questionaire will assist you in filling out these forms correctly.

Some of the questions you might have during this time are: what is an uncontested divorce?, how long does it take for a divorce to be final?, will I have to go to court during my divorce?, what about child support?, what happens to marital assests?, what about alimony? (and even) what happens if we reconcile and want to cancel the divorce?
Most quality document providers will have the answers to these and other questions which should help to put your mind at ease. In the end, you will save alot of money by going this route, money that can be used for living expenses or to take a relaxing vacation and begin the healing process.

landlord software or software dedicated to a landlord’s needs and tasks has been around for a number of years and in a variety of guises. What’s become clear is the need for good legal documents, e.g. tenancy agreements, guarantee of tenancy etc… There are a few like ‘Properite’ landlord software (www.properite.co.uk) that include up to date and legally binding documents to be used by landlords and letting agents.

Let’s not forget that landlord software also covers tasks covered by letting agents as well as those encountered private landlords.

So, what must a good landlord software package do? Well, it needs to organize information about tenants and properties logically. Encourage a workflow that speeds up the day-to-day running of a rental portfolio.

It must include legal template documents, for example, a Tenancy Agreement and Guarantee of Tenancy at a minimum. Year-on-year the UK introduces new rules and regulations to ensure Tenants and Landlords are protected. For example, we have seen the introduction of the Tenant Deposit Scheme and new HMO regulations to quote a few. The software must reflect these changes and be able to update itself.

Any landlord software must help the user not frustrate them! Like all good software packages it must not force the user to fill in every last detail. It must allow the user to use as little or as much of the package as required. The backbone of any good landlord software application is a good diary and task facility that ensures important events and jobs do not get forgotten. It must integrate tasks and ensure that it does a better job than using disparate packages like Word or Excel. An essential task is getting an advert of each property online with as little fuss as possible.

Put simply, landlord software packages are useful software tools to help landlords and letting agents manage their rental portfolios in the digital age. However, they must also include relevant legal documents to help successfully run a rental portfolio.

Every affiliate marketer is required to use some legal documents to run his business. Without these documents you may lose everything. Just a single complaint from your customer can shutdown your business.

Here is the list of legal documents that you must have to protect your business and yourself.

1. Privacy Policy

This is the document that describes how you are collecting and using your visitors information. It should clearly indicate that you will not use the information of your visitors for any other purposes and you will not share their personal information. Without this document, you may face problems from your visitors and other agencies like the Federal Trade Commission.

2. Terms of Use & Disclaimer

This document limits your responsibility to your website users. It really protects you. This document usually contains Use of Site, licenses, limitation of liability, miscellaneous items, etc. For example, if you have a website where people are allowed to post their views about some products, then you may want to mention that these views are just the opinions of the visitors and are not the thoughts of the site owner.

3. Affiliate Agreement

This form is needed if you are running an affiliate program. It is used to set the terms and conditions that must be followed by your affiliates. Affiliates are then required to observe these rules while they advertise your products. Affiliates will be required to sign this agreement before starting the business with you. You can freeze their commissions or cancel their membership if they are not following this agreement.

4. No-Spam Agreement

Spamming is an activity where you send email messages to a person who has not allowed you to do so. Also posting your ads in the newsgroups and forums where such activity is not allowed is also called spamming. You should only post your advertisements in the forums and newsgroups that allow you to do so or if they are on the same topic. Similarly, posting your ads in the chat rooms and message boards is
not permitted and is called spam.

In a no-spam agreement, it is stated that you have an anti-spam policy. It is also stated that you will not send any unsolicited emails to advertise your programs, services or products without the permission of user.

5. Copyright Notice

Copyright notice is to protect your website content and graphics. It tells the visitors how they can use this content. If you do not want to share your website content, you should indicate it in copyright notices. Without this notice, people may steal your website content and graphics. If someone wants to use your content or graphics then he is required to get the prior permission from you. Otherwise, he is breaking the copyright laws and he may suffer from that. If you want to allow people to use you website information, then you should mention it clearly in the copyright notice which content, graphics or product is free to use by anyone.

6. Earnings Disclaimer

If you are selling any information package or running an affiliate program then you need this document. Without this document your business may be shut down by FTC.

Before starting your online business, make sure that your business is safe by using the above mentioned documents. Without these documents your business is in the danger.