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New data breach rules in effect from 22 February place an onus on business to protect and notify individuals whose personal information is involved in a data breach that is likely to result in serious harm. In October last year, almost 50, employee records from Australian Government agencies, banks and a utility were exposed and compromised because of a misconfigured cloud based Amazon S3 bucket . AMP was reportedly one of the worst affected with 25, leaked employee records. ITNews reports that the data breach was discovered by a Polish researcher who conducted a search for Amazon S3 buckets set to open, with "dev", "stage", or "prod" in the domain name.

One contractor appears to be behind the breach. In October , the details of over half a million Red Cross blood donors were inadvertently exposed after a website contractor created an insecure data backup. In the US, a massive data breach exposed the credit records including social security records of over million Americans — all because an IT worker didn t open an email about a critical patch for their software. Regardless of how good your existing systems are, data breaches are a reality either through human error, mischief, or simply because those looking for ways to disrupt are often one step ahead.

But it s not all about IT, there have been numerous cases of hard copy records being disposed of inappropriately, employees allowing viruses to penetrate servers after opening the wrong email, and sensitive data on USBs lost on the way home. But, if your business is related to another business covered by the Privacy Act, deals with health records including gyms, child care centres, natural health providers, etc. Special responsibilities also exist for the handling of tax file numbers, credit information and information contained on the Personal Property Securities Register.

It s important to keep in mind that complying with these new laws means more than notifying your database when something goes wrong. Organisations are required to take all reasonable steps to prevent a breach occurring in the first place, put in place the systems and procedures to identify and assess a breach, and issue a notification if a breach is likely to cause serious harm . The Privacy Act already requires organisations to take all reasonable steps to protect personal information.

The new data breach laws merely add an additional layer to assess breaches and notify where the breach poses a threat. For example, if you have not already, you should assess issues such as: For example: Remember, you can t just have a policy sitting somewhere, it needs to be actively reinforced and adopted by team members. If there is ever an issue where your business s culpability is assessed, your capacity to prove that you took all reasonable steps will be important.

When it comes to data breaches, all organisations must have a data breach response plan. The data breach plan covers the: The Office of the Australian Information Commissioner provides a sample breach response plan. So, what is a serious breach? A breach has occurred when there is unauthorised access to or disclosure of personal information or a loss of personal information that your business holds.

Whether a breach is serious is subjective but may include serious physical, psychological, emotional, financial, or reputational harm. If a breach occurs, you need to think through how that information could be used for identity theft, financial loss, threats to physical safety for example someone s home address , job loss, humiliation or reputational damage, or workplace bullying or marginalisation.

If you suspect a breach has occurred, your business is obliged to take "reasonable" and "expeditious" action regardless of whether you think it is serious or not under the NDB scheme you have a maximum of 30 days to assess the damage and respond but in general, the first 24 hours is often crucial to the success of your response. Ignorance is not a defence. A lack of systems to identify system breaches fails the Privacy Act s requirement to take all reasonable steps to protect personal information.

As soon as a breach is identified anywhere in the business, whether it is IT based or physical, steps need to be taken - even if it is simply noting that no further action is required. If you suspect a data breach has occurred that may meet the threshold of likely to result in serious harm , you must conduct an assessment. Sounds simple right? But the problem for business is often that there are initially no definitive answers about the extent of a breach or its seriousness for the assessment to take place.

Take the example of a retail business with an online store. A hacker exploiting an unpatched vulnerability in your customer relationship management CRM system gains access to the customer database for your online store, which includes customer purchase histories and contact details. IT calls you and tells you there is a problem but can t tell you how, what customer records are affected, and if the records have been compromised.

You don t want to scare your customers by advising of a breach but you don t the impact yet. What do you do? The first step is generally to contain the damage - isolate or shutdown the affected system to prevent further potential loss - then assess the scenario quickly — not just because of the NDB scheme but because your business s reputation is on the line. If a breach is assessed to potentially result in serious harm, you are obliged to advise affected individuals and the Australian Information Commissioner.

You have the option to: And it s not just Australia. Does your business have international connections? Data breaches are common and many countries have moved to ensure that the personal information of individuals is protected. If your business operates overseas or has customers overseas you need to be aware of the requirements in those countries.

Most US states have compulsory data breach requirements. If you operate through a local distributor in the European Union or have direct supply into those countries then it s likely your business will be caught by the Regulation. Proposed legislation would see the ATO pursue criminal charges against Directors who fail to meet their superannuation guarantee SG obligations.

On average, that represents 2. At present, under reporting or non-payment of SG is usually discovered when the employer misses the quarterly payment schedule or from the ATO s hotline. New legislation seeks to introduce a series of changes to how employers interact with the SG system and give some teeth to the ATO to pursue recalcitrant employers. The new rules, if passed by Parliament, generally come into effect from 1 July The SGC is particularly painful for employers because it is comprised of: Unlike normal SG contributions, SGC amounts are not deductible, even if you pay the outstanding amount.

That is, if you pay SG late, you can no longer deduct the SG amount even if you bring the payment up to date. The SGC is calculated using the employee s salary or wages rather than their ordinary time earnings. An employee s salary and wages may be higher than their ordinary time earnings particularly if you have workers who are paid for overtime.

Under the quarterly superannuation guarantee, the interest component will be calculated on an employer s quarterly shortfall amount from the first day of the relevant quarter to the date when the SG charge would be payable. Where attempts have failed to recover SG from the employer, the directors of a company automatically become personally liable for a penalty equal to the unpaid amount. Under the proposed rules, the ATO will also have the ability to issue directions to an employer who fails to comply with their obligations.

The Commissioner can direct an employer to undertake an approved course relating to their SG obligations where the Commissioner reasonably believes there has been a failure by the employer to comply with their SG obligations, and, of course, a direction to pay unpaid and overdue liabilities within a certain timeframe. Criminal penalties for failure to comply with a direction to pay. Employers who fail to comply with a directive from the Commissioner to pay an outstanding SG liability face fines and up to 12 months in prison.

Before hauling anyone off to prison the ATO has to consider the severity of the contravention including: The proposed new rules will allow the ATO to tell current and former employees about the failure or suspected failure of an employer to comply with their SG obligations. This disclosure cannot relate to the general financial affairs of the employer. Extension of Single Touch Payroll to all employers.

Single Touch Payroll — the direct reporting of salary and wages, PAYG withholding and superannuation contribution information to the ATO — will be compulsory from 1 July for employers with 20 or more employees. Under the proposed rules, this system would be extended to all employers by 1 July In addition, Single Touch Reporting will extend to the reporting of salary scarified amounts.

Foreign owners can avoid the fee by living in the property or have a family member live in the property , leasing the property, or making it available for rent, for a total of days in a 12 month period. Short term letting arrangements often won t be sufficient to avoid the levy. Non-residents are not generally eligible for the CGT discount. This change is not yet legislated.

When you are ready to buy a house, you can withdraw those contributions along with any deemed earnings in order to help fund a deposit on your first home. Employers will report payments such as salaries and wages, PAYG withholding and super information directly to the ATO from their payroll system at the same time they pay their employees. The material and contents provided in this publication are informative in nature only. It is not intended to be advice and you should not act specifically on the basis of this information alone.

If expert assistance is required, professional advice should be obtained. We are here to help, contact us. You are here: New data breach laws come into effect New data breach rules in effect from 22 February place an onus on business to protect and notify individuals whose personal information is involved in a data breach that is likely to result in serious harm. Who is covered by the data breach scheme? What you need to do It s important to keep in mind that complying with these new laws means more than notifying your database when something goes wrong.

Taking all reasonable steps — assessing risk The Privacy Act already requires organisations to take all reasonable steps to protect personal information. Identifying a serious breach So, what is a serious breach? Notifying a breach If a breach is assessed to potentially result in serious harm, you are obliged to advise affected individuals and the Australian Information Commissioner. Directors on hit list for not paying employee super Proposed legislation would see the ATO pursue criminal charges against Directors who fail to meet their superannuation guarantee SG obligations.

The key changes include: Criminal penalties for failure to comply with a direction to pay Employers who fail to comply with a directive from the Commissioner to pay an outstanding SG liability face fines and up to 12 months in prison. The ATO will tell employees if an employer is under paying or not paying SG The proposed new rules will allow the ATO to tell current and former employees about the failure or suspected failure of an employer to comply with their SG obligations.

Extension of Single Touch Payroll to all employers Single Touch Payroll — the direct reporting of salary and wages, PAYG withholding and superannuation contribution information to the ATO — will be compulsory from 1 July for employers with 20 or more employees. What s changing in ? Business Services. Specialist Services. Cloud Accounting. Client Tools.

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Life is full of chicken and the egg tales, with none so great as wanting to go on a holiday but still replenishing the coffers from the last trip. With so many destinations 32 international destinations you can fly direct to be precise and always growing and so little savings, you need to work smarter to find flight deals that work harder for you. It can be a trap for young players to jump on the cheapest flight possible, not aware that the flight actually stops over in Sydney, Melbourne, Adelaide or Perth before the onward journey. If time is no barrier, then no worries. But for lots of people, an extra 10 hours backtracking further south before an onward northern adventure, is actually a whole day of annual leave lost in transit. If time is money to you, be conscious of unnecessary stopovers extending your travel time, costing you time rather than money.

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Paul Greenberg is an entrepreneur, psychologist, ecommerce expert, digital futurist and well regarded as the pioneer of online retail in Australia. Now, he is the founder and executive chairman of NORA. He is a registered psychologist with a keen interest in organisational psychology and the psychology of entrepreneurship. He is a member of the Australian Institute of Company Directors. Paul is a truly engaging speaker whose passion for entrepreneurship, insight, positive spirit, and clarity consistently inspire his audiences. Previous experience Founder: Paul has a portfolio of interests including non-executive directorships, and not for profit advisory roles.

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Our friendly Customer Service team is available to answer your questions and help with anything. Contact us via email at our Support Centre. Please click here if you are not redirected within a few seconds. Keep up the good work excellent service and despatch never any drama s good quality items and great prices cheers Tommy -- Tom VIC Excellent delivery time and product fulfilled all expectations. Shopping Cart. Best Sellers. With a height-adjustable tripod stand, you can change the height to accommodate conference room conditions, attendees, or the presenter.

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One of the founders guiding principles when they started DealsDirect. To this day there is not much differentiation between the most junior and the most senior of our team members outside of the actual work we undertake. We all park in the same parking lot with no reserved spots. We all share the same office resources and we all work in open plan spaces. And we all lend a hand when needed. I almost always start my day with a detour to the kitchen to make myself a morning tea or coffee, and to say hi to whoever happens to be around. I typically settle down to clearing emails straight away as they tend to amass overnight. We use a loose version of the "scrum methodology" in the IT Team, and our daily stand-ups are at 10am.

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Visit Los Angel What a price drop! Exotic Curacao is waiting for you! We have just found a good deal from the Netherlands! Package incl Are you up for a relaxing break in Azores? Great hotel deal! Always thought about visiting the beautiful Greek island of Crete? Booking this 7-night package deal Our Website uses technologies, such as cookies, to collect and process personal data in order to automatically personalize content and ads and analyze traffic on the Website. This technology is also used by our Partners. Detailed information on cookies and the principles of personal data processing can be found in the Privacy Policy. Familiarize yourself with this information before using the Website.

Autumn and Easter Holiday Deals It s holiday time! Please take a look at the Autumn holiday deals we ve put together for divers and snorkellers. Victorian Dive and Snorkelling Sites Over recent months Lloyd Borrett has been updating the details about the plus diving and snorkelling sites in Victoria we have available online. More sites, better organised, with more information, pictures and videos. There is something for everyone! Please enjoy! Over recent months we ve added many new guides, plus updated older ones.

We know just how much time and effort goes into researching a holiday and the editorial team at TravelMail keep this in mind with the articles that we write. Alongside the week s best features, breaking holiday news and blogs from your favourite writers, you ll also find Daily Mail special offers, holiday deals from around the web and competitions too. No hangovers, no carb-laden canapes, and home by Sign up for the TravelMail newsletter and get the latest holiday news and deals direct! Share or comment on this article: MailOnline travel newsletter: Daily Mail holiday deals, travel news and competitions e-mail. Most watched News videos Ocasio-Cortez rebukes Trump comments on being a bartender Derbyshire CCTV shows car ramming biker who had been damaging cars Sir Starmer says the Government is offering nothing new to Brexit Mother pulls two children from car before it bursts into flames Brexit: More top stories. Bing Site Web Enter search term: Economy seats may all look the same but there s a big difference between them. TravelMail Partners.

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