Digital Payments Providers And Fintech Companies Are Risky Unless You Have ODR Protection

Digital payments and Fintech companies have made our lives very easy and comfortable. We need not to go to any utility office to physically pay our bills, we can conveniently pay our bills online, banking and payment options are available 24x7x365 and so on. There are clear and undeniable benefits of digital payments. Also Indian Government has been encouraging use of digital payments with various concessions and discounts. So there is nothing wrong in our digital payments world. Right?

Wrong. Be aware of the cyber criminals and technical glitches that are spoiling our digital payments party. God forbid, if a cyber criminal has targeted you and you have lost your money to him, it is next to impossible to recover back your money. Similarly, if your money is struck due to a technical glitch in the payment gateway, the unbearable agony to ensure successful credit back of the amount is a common phenomenon in India.

As far as cyber crimes are concerned, we at PTLB Projects have covered your back adequately. With a simple reference, you can avail our world class Techno Legal Cyber Law services from the TeleLaw Project of PTLB. Cyber Law and Cyber Crimes Investigations are not the only Techno Legal services that are provided by TeleLaw Project but there are plethora of such services that you can avail at affordable rates.

Real challenge is to get back the money once it has left your bank account. Be it cyber criminals or digital payment companies, it is a nightmare to get back your money. Neither your bank nor Reserve Bank of India (RBI) would help you to get back your money. Even if you approach the police, it would not do anything as it is already over occupied with such cases. A dominant majority of such cases are not solved by police so this option is also not workable.

So what should we do? Should we stop using digital payments and Fintech companies services? Of course not. But we expect you to be smart and cover your back and money appropriately before dealing with them. Here is the golden formula that you should use and your money would always remain safe and would be refunded to you in a timely and orderly fashion. Whenever a digital payment company or a Fintech company asks you to use its services, demand that such company must have an ODR Clause of RWL India Project of PTLB. Simple.

ODR stands for online dispute resolution. If your digital payment service provider’s agreement carries an ODR Clause of RWL India portal, you can simply initiate the recovery process by invoking the ODR proceedings. A nominal fees would be charged from both parties and your dispute would be resolved in the shortest possible time with no involvement of police or courts. Since both parties have used the ODR Clause, the decision of the RWL India portal would be binding on both parties and could be enforceable in a court of law.

If you are a big digital payment company, e-commerce company, Government department or individual with high stakes, using ODR Clause is the safety valve that you should never ignore.

So next time an e-commerce company or digital payments service provider asks you for using its services, make it sure that it has already incorporated the ODR Clause of RWL India portal. If it has not done that, ask it to do so or you would not avail its services. This would keep your peace of mind and money safe forever.

Cyber Crimes Victims Can Now Seek Help Of Telelaw Project Of PTLB

Cyber crimes have become a big nuisance world over, including India. Cyber criminals are stealing money from innocent people by using phishing, spear phishing, social engineering and other similar tactics. As India is a comparatively new country that is using information and communication technology (ICT), this has made India a heaven for cyber criminals. They are targeting first timers and are also getting success in many cases.

We are running a pro bono online dispute resolution (ODR) portal that has been dealing with these case free of cost for many years. Our experience has shown how gullible Indians are and how powerless they are to fight against such cyber criminals. The problem is not that these cyber criminals are smart enough not to be caught. The real problem is that our banks, police and even courts are not helping these victims and they have to bear the loss ultimately.

A major hurdle before these cyber victims is lack of Access to Justice (A2J) and affordable legal services. Firstly, there are only a handful of cyber lawyers who can help such victims. Secondly, their professional charges are well beyond the paying capacities of these cyber crimes victims. That is why we launched the Exclusive Techno Legal TeleLaw Project of PTLB that is helping these cyber crimes victims to get Access to Justice (A2J) and affordable legal services right at their doorsteps.

There is no other Techno Legal TeleLaw services provider in the world that is providing affordable legal services to cyber crimes victims. However, we expect the cyber crimes victims to be vigilant too. They must not only avoid disclosing sensitive and personal information to random callers but they must also be aware of the scope and services of TeleLaw Project of PTLB.

If you have a doubt about a transaction or offer, you can approach the TeleLaw website of PTLB and we would help you in an affordable manner. Think before you act is the prudent norm that all Indians should follow. Also the role of Reserve Bank of India (RBI) is not upto the mark. The RBI has neither enforce the adoption of robust cyber security policies by Indian banks nor its ombudsmen is helping cyber crimes victims. When we were dealing with cases of credit/debit cards frauds, we realised that many of such victims failed to get justice from even RBI’s ombudsmen.

If you are a victim of cyber crime, the best method to approach us is to contact us as soon as possible. The more you wait and the more you engage with the authorities in an unprepared manner, the greater are the chances that your money would not be recovered. We have integrated our TeleLaw project with many more Techno Legal divisions of PTLB that can provide you the most effective solutions in a timely and economical manner.

Another area where the cyber crime victims needs to improve is the presentation of the information about cyber crimes. we cannot help you if you simply say that you have been cheated by some person. We need more details like who placed the call or sent you the e-mail, how the cheating took place, what is the amount of money involved, have you approached any authority in this regard, etc. A single line without any information would not get you anywhere.

So do not waste your time running here and there and approach us directly with a reference. If there is nobody to give you a reference for concessional legal services of TeleLaw, do not be disheartened. You can approach either Perry4Law Organisation (P4LO) or PTLB for the same and we would refer your case to TeleLaw Project. For instance, Association for People of Haryana (AFPOH) has been authorised to make a reference on behalf of rural communities, farmers, marginalised segment of people, etc. Other Projects and Twitter handles of P4LO and PTLB can also be approached for getting a reference.

Let us together fight this menace of cyber crimes in India.

Telelaw Project Of PTLB Is A Human Rights Project For Human Beings By Techno Legal Humans

Access to Justice (A2J) is a concept that is easy to discuss but very difficult to implement. In real life we face many complicated situations where a segment of people is in a precarious situation yet they have no Access to Justice (A2J) and legal services. If there is a timely Access to Justice (A2J) many precious lives can be saved and damage to property and other assets can also be minimised.

While Access to Justice (A2J) is a core Human Right and it must be strengthened yet nations across the globe are struggling hard to meet this objective. What is surprising is that we talk about Artificial Intelligence (AI), Machine Learning, Internet of Things (IoT), Blockchain, etc but we cannot provide basic A2J using simple Techno Legal tools. If we cannot provide A2J by collectively using technology and legal means, can we actually be successful in implementing and using other complicated technologies as mentioned above?

This question has come to my mind because we at PTLB have been managing Techno Legal Projects like Online Dispute Resolution (ODR), E-Courts, Online Skills Development, etc for long. But so far Indian Government has neither adopted such projects nor supported them. There is a complete indifference and apathy on the part of Indian Government to work in this direction.

Though we faced many problems yet we did not loose hope. Instead we strengthened and rejuvenated our efforts in this regard. Till Indian Government do the needful, we at PTLB decided to do something at our level.

We have created a Startup named PTLB Projects that has picked up Techno Legal Projects of PTLB like ODR, E-Courts, Online Skills Development, etc. PTLB Projects has started working in the direction of transforming them into “Scalable Business Models” from “Post Minimum Viable Products/Projects (MVPs)” stage. PTLB Projects is also seeking collaboration with Indian Government on these projects so that collectively we can make India a “Global Leader in Techno Legal Fields”.

PTLB Projects has also launched few new Techno Legal Projects too. One of such projects is TeleLaw Project of PTLB. It is no ordinary TeleLaw project but is the exclusive Techno Legal TeleLaw Project of the world. The idea of PTLB Projects is to provide an online portal where complicated Techno Legal issues can be discussed and resolved. The idea is also to provide affordable and concessional Techno Legal Services to national and international stakeholders alike. However, the “Ultimate Goal” of TeleLaw Project of PTLB is to make India a “Global Leader in Techno Legal Fields”.

We have tested some very fabulous features for the TeleLaw Project and would implement the same when Indian Government and other collaborators would support this project. We have also received some good offers for funding for our Techno Legal Projects and we hope the TeleLaw Project of PTLB would also get some good funding offers soon.

All these efforts have been made by PTLB so that the Human Right of Access to Justice (A2J) can be a reality in India. TeleLaw Project of PTLB is a Human Rights Project for Human Beings by Techno Legal Humans. We have Expert Lawyers and world’s best Techno Legal experts who would support this project. A wide category of national and international collaborating stakeholders have been specified who can make a reference for our TeleLaw Services. Once a reference is made, we would provide our Techno Legal Services in an affordable and concessional manner.

If for some reason you are unable to get a reference from a national or international collaborating stakeholder, you can approach Perry4Law Organisation (P4LO) or PTLB for such reference with all details and we would refer you to the TeleLaw Services. For instance, AFPOH has been authorised by PTLB to make a reference on behalf of rural communities, farmers, rural entrepreneurs, marginalised segments, etc. AFPOH will make a reference on their behalf and then TeleLaw Project of PTLB will take care of their legal problems.

We hope national and international stakeholders would find the TeleLaw Project of PTLB useful and they would extend their cooperation and expertise to this much needed Human Rights project.

Indian Policies And Approach Towards Technology And ODR Are Too Cautious

Indian Government has been working hard to improve its ease of doing business ranking before the World Bank. As part of this exercise, Indian Government took a bold step and promulgated the New Delhi International Arbitration Centre Ordinance, 2019. A notification issued by the Central Government to acquire properties of ICADR was challenged by ICADR before Delhi High Court that initially granted the stay. However, on 16-05-2019, the stay was vacated (Pdf) and now Central Government would soon take complete control of assets of ICADR.

All this exercise has been done so that India can be a hub for institutional Arbitration. We welcome this effort of Indian Government. But if even after NeGP and Digital India projects all that the Government can think of is alternative dispute resolution(ADR) that proves serious lack of Techno Legal expertise on the part of Government.

We have launched Techno Legal projects like TeleLaw, Online Dispute Resolution (ODR), etc to make India a hub for Techno Legal fields and Indian Government is not willing to move ahead. The Government needs not to even do anything and all that it is required to do is to support and adopt already established projects of PTLB. For reasons best known to Indian Government it is lingering too much with traditional legal and judicial functioning and is not willing to adopt technology and projects like TeleLaw, ODR, etc.

What we have deduced from this episode is that Indian policies and approach towards technology and ODR are too cautious. There is no need to reinvent the wheel and Indian Government can use the services of Startups in this regard. We are not saying that Indian Government should avail the services of Startups like PTLB alone but if it wants India to be a Techno Legal hub choosing Startups like PTLB would be a smart move.

Like in the past, we at PTLB are once more expressing our interest and intention to work in collaboration with Indian Government so that India can be a premier Techno Legal destination. The final call is for the Indian Government to take whether it would continue with its ADR preference or is bold enough to realise the dream of India becoming a hub for Techno Legal services.

Access To Justice (A2J) Is A Core Human Right And It Must Be Strengthened

Every human being is entitled to basic needs like housing, food, healthcare and justice. These are core Human Rights that every nation must try to provide. India has its own challenges to provide these basic amenities and the sheer size of the population is an extremely tough challenge to meet.

These elements have to be managed one by one by Indian Government but we at PTLB believe that if Indians can have a timely, economical and readily available justice, many problems, especially those originating out of bad governance, can be eliminated. Indian Government need not to go out of the way to ensure good governance as all that is needed is ensuring justice to our masses.

We have a culture of pro bono legal services in India but that is largely confined to legal aid support provided  by the Government. Many public spirited lawyers too provide pro bono legal services, but their number is too small. With increasing back log of cases and poor performance of our alternative dispute resolution (ADR) mechanisms like arbitration, Indian Judiciary is over burdened. Backlog of cases is increasing every year and if something is not done right now, we may not be able to control it subsequently.

Many startups and entrepreneurs approached us for legal assistance but their financial capacity was a big hurdle. We could not help them despite our best intentions as a full fledged legal service cannot be provided free of cost or at highly concessional rates.

Nevertheless, this does  not prevent us from helping stakeholders and we launched a pro bono online platform that provided free legal assistance and online dispute resolution (ODR) services to many. This was done as part of our social responsibility and corporate social responsibility.

But even this pro bono effort of PTLB failed to ensure Access to Justice (A2J) for Indians and others. We realised that something crucial is still missing and we understood the significance of a dedicated TeleLaw project that can legally empower Indians. A farmer in an agricultural state of India needs our help as much as a top industrialist. But the paying capacity of both are totally different. At this stage the role of Central and State Governments assumes significance. This collaboration with the Government was missing too and we do not have the resources to ensure last mile connectivity as on date. Without the last mile connectivity and a trained manpower, a poor and illiterate farmer cannot use either Government’s or a private online portal. So Access to Justice (A2J) still remains a distant dream as on date.

We are also exploring partnerships and collaborations with private individuals and industrial players. This includes seeking financial support and funding from not only Government but also national and international fund providers. Technology companies and non profit companies can also help us by extending their existing infrastructures so that people from even the remotest corners of India can avail our concessional legal services.

However, this would only solve one part of the problem. We may be able to provide affordable legal services to the masses but that is not enough. We are also developing some very good Techno Legal skills development projects so that the culture of startups and entrepreneurship can flourish in India. In short, we are focusing very hard upon aspects of employment generation, skills development, wealth creation, etc. But our ultimate goal is to make India a hub for Techno Legal fields so that overall development of India can be a reality.

We may have limited resources but we have unlimited will power and courage and we are committed to ensure Access to Justice (A2J) for not only Indians but also people around the world. We hope this project of ours would bring some comfort, relief and justice to national and international stakeholders.

Exclusive Techno Legal Tele Law Services In India Launched By PTLB

We at PTLB have been testing Techno Legal projects for more than a decade. Based upon our experience we have been launching various Techno Legal projects from time to time. The latest to this list is the launch of India’s exclusive Techno Legal TeleLaw Project by PTLB.

The aim of TeleLaw project of PTLB is to ensure Access to Justice (A2J), Justice for All and affordable legal services to the masses. This may be the aim of Indian Government’s project on TeleLaw too but the TeleLaw project of PTLB is not only very wide but it is also the exclusive one to provide Techno Legal TeleLaw Services in the world.

For instance, we would be providing affordable legal services through our portal for areas like cyber law, cyber security, cyber forensics, cyber crimes investigation, online dispute resolution (ODR), aviation law, cloud computing, e-commerce, startups, Make in India products and services, Internet of Things (IoT), smart cities, artificial intelligence, privacy and data protection compliance, e-pharmacy, online gaming, etc that are not available through any other portal in the world.

So we have launched a unique and innovative Techno Legal Project that can be adopted by Indian Government. Our aim is to make India a hub for Techno Legal services and we have already started working in this direction for the field of online dispute resolution (ODR). TeleLaw Project of PTLB is another step in this direction and the newly elected Government post May 2019 election would have implementable Techno Legal Projects in hand. Our Techno Legal Projects would create employment for Indians and would bring wealth and foreign exchange for India.

We would keep on working to make this project more comprehensive, affordable, effective and approachable. However, this is a collective effort and without the participation and involvement of Indian Government and industry, this project may take a longer time to mature.

India has waited for many years but still we are unable to produce a world class technology product or service. We at PTLB hope that this effort of PTLB would put India on the front of Techno Legal projects. Let us claim our position as a Techno Legal leader of the world and show the entire world what mettle Indians are made of.

Let Us Together Create The History.