Digital signature....

A digital signature or digital signature scheme is a type of asymmetric cryptography. For messages sent through an insecure channel, a properly implemented digital signature gives the receiver reason to believe the message was sent by the claimed sender. Digital signatures are equivalent to traditional handwritten signatures in many respects; properly implemented digital signatures are more difficult to forge than the handwritten type. Digital signature schemes in the sense used here are cryptographically based, and must be implemented properly to be effective. Digital signatures can also provide non-repudiation, meaning that the signer cannot successfully claim they did not sign a message, while also claiming their private key remains secret; further, some non-repudiation schemes offer a time stamp for the digital signature, so that even if the private key is exposed, the signature is valid nonetheless. Digitally signed messages may be anything representable as a bitstring: examples include electronic mail, contracts, or a message sent via some other cryptographic protocol.

Digital signatures are often used to implement electronic signatures, a broader term that refers to any electronic data that carries the intent of a signature,but not all electronic signatures use digital signatures. In some countries, including the United States, and in the European Union, electronic signatures have legal significance. However, laws concerning electronic signatures do not always make clear whether they are digital cryptographic signatures in the sense used here, leaving the legal definition, and so their importance, somewhat confused.

A digital signature can be used with any kind of message, whether it is encrypted or not, simply so that the receiver can be sure of the sender's identity and that the message arrived intact. A digital certificate contains the digital signature of the certificate-issuing authority so that anyone can verify that the certificate is real.

Khatha Transfer process for BDA site in case of death of original allot tee

Khatha Transfer process for BDA site in case of death of original allot tee:

Documents needed:

1. Requisition letter in white sheet requesting for transfer of Khatha
2. Copy of identify proof which may be PAN card, Ration card Xerox.
3. Original khatha issued.
4. Attested identification form notarized by a Gazetted officer.
5. Will of the deceased in case there is a will.
6. Living member list as issued by corporation of your respective city. (Vamsha vruksha in Kannada)
7. Self declaration form in Rs.20 stamp paper (Format available with any Xerox shop near Bangalore development Authority) –Notarized.
8. Joint declaration from the other legal heirs other than in whose name Khatha to be transferred it is a consent form or No objection letter on Rs.20 stamp paper (Notarized)
9. Indemnity form in Rs.100
10. Gas bill or Ration card as address proof as mentioned in your application.
11. EC or Encumbrance certificate from beginning till date which needs to be obtained from local sub-register office of the jurisdiction.

Generally it takes 15 to 20 working days to get the khatha transferred. All the Xerox copy of the documents has to be attested by a gazette officer who may be School head master also.

Obtaining EC will take some time and one can contact nearby Xerox shop vendor near Bangalore Development Authority office in Bangalore who will have all forms and he will get it notarized also.

Opening ceremony of B.T.Koller Advocate and Legal conusultant's office

Opening ceremony of B.T.Koller Advocate and Legal conusultant's office

I am very glad to annouce opening of my friend's office in Bangalore.

I cardially invite all to the Opening ceremony Mr.B.T.Koller Advoate and legal consultant's new office on

Friday 27th March 2009, time 9.06 AM onwards @ #25/1,Anand Nivas, 4th Floor, 3rd cross 6th main, Gandhinager, Bangalore -560009

http://btkoller.tripod.com

Blog is no private domain

All bloggers in india must read this news matter which gives them an idea of legal implication of blog publishing in india

Blog is no private domain

Comments On Web May Attract Libel, Criminal Cases


New Delhi: A 19-year-old blogger’s case could forever change the ground rules of blogging. Bloggers may no longer express their uninhibited views on everything under the sun, for the Supreme Court said they may face libel and even prosecution for the blog content.

It will no longer be safe to start a blog and invite others to register their raunchy, caustic and even abusive comments on an issue while seeking protection behind the disclaimer — views expressed on the blog are that of the writers.
This chilling warning emerged as a Bench comprising Chief Justice K G Balakrishnan and Justice P Sathasivam refused to protect a 19-year-old Kerala boy, who had started a community on Orkut against Shiv Sena, from protection against summons received from a Maharashtra court on a criminal case filed against him.
Petitioner Ajith D started a community on Orkut against Shiv Sena. In this community, there were several posts and discussions by anonymous persons who alleged that Shiv Sena was trying to divide the country on region and caste basis. Reacting to these posts, the Shiv Sena youth wing’s state secretary registered a criminal complaint at Thane police station in August 2008 based on which FIR was registered against Ajith under Sections 506 and 295A pertaining to hurting public sentiment.

After getting anticipatory bail from Kerala HC, Ajith moved the Supreme Court through counsel Jogy Scaria seeking quashing of the criminal complaint on the ground that the blog contents were restricted to communication within the community and did not have defamation value. He also pleaded that there was threat to his life if he appeared in a Maharashtra court. A computer science student, Ajith pleaded the comments made on the blog were mere exercise of their fundamental right to freedom of expression and speech and could not be treated as an offence by police.

Unimpressed, the Bench said, “We cannot quash criminal proceedings. You are a computer student and you know how many people access internet portals. Hence, if someone files a criminal action on the basis of the content, then you will have to face the case.”

Source : Times of india

RE: IMPORTANT: THE POWER OF "49-O" A CHANCE TO CHANGE OUR POLITICS!!!!!

Did you know that there is a system in our constitution, as per the 1969 act, in section " 49-O" that a person can go to the polling booth, confirm his identity, get his finger marked and convey the presiding election officer that he doesn't want to vote anyone!



Yes such a feature is available, but obviously these leaders have never

disclosed it.

This is called "49-O".



Why should you go and say " I VOTE NOBODY"... because, in a ward, if a candidate wins, say by 123 votes, and that particular ward has received "49-O" votes more than 123, then that polling will be cancelled and will have to be re-polled. Not only that, but the candidature of the contestants will be removed and they cannot contest the re-polling, since people had already expressed their decision on them.



This would bring fear into parties and hence look for genuine candidates for their parties for election. This would change the way; of our whole political system.... it is seemingly surprising why the election commission has not revealed such a feature to the public....



Please spread this news to as many as you know...

Seems to be a wonderful weapon against corrupt parties in India ... show your power, expressing your desire not to vote for anybody, is even more powerful than voting... so don't miss your chance. So either vote, or vote not to vote (vote 49-O) and pass this info on...


Use your voting right for a better INDIA

About co-author of this Blog

Advocate - B.T.Koller

Bhojegouda koller, received his BA in 1997 from Karnataka university and MA in political science from mysore University in 1999 and Finally LLB from Delhi University . Following law degree, practicing law in Bangalore in different courts including High court of Karnataka from past 5 years.

B.T.KOLLER, MA,LLB
Advocate
Bangalore,KARNATAKA.

Link to his website: BT.Koller

Motor Insurance and Legal implication

Motor or car insurance is a contract between a vehicle owner and the insurance company where the insurance company agrees to pay a sum of money to compensate loss arising from accidents etc.

There are two types of motor insurance - comprehensive insurance and third party insurance.

Comprehensive insurance covers risk arising out of the following:Theft or damage to the vehicle Death of the driver and/or passengers in the vehicle Damage caused by the vehicle to other people or property

Third- party insurance covers only damage caused by the vehicle to other people or property.The India Motor Vehicles Act, 1938 has made it mandatory for every owner of a vehicle to obtain a motor insurance policy, either a comprehensive or a third party insurance. As evidence, a Certificate of Insurance must be carried at all times in the vehicle.

Claims

What I have to do in case of an accident?

Ans: Arrange to shift the injured person to hospital for treatment immediately. As per the provisions of Section 134 of the Motor Vehicles Act, the driver/owner of the vehicle involved in an accident is responsible to convey the injured to the nearest hospital or clinic. The doctor at the hospital is duty bound to give medical aid or treatment without waiting for any procedural formalities.

• Report the matter with the nearest police station within 24 hours of the occurrence of such an incident.
• Note down the names, addresses and phone numbers of witnesses and the registration number of the vehicle involved in the accident. Also jot down the name and number of the policeman who arrives at the site of the accident.
• Notify the nearest insurance branch about the accident, its time, date, and place and obtain your claim form.Fill the claim form with details and submit it to the office along with the estimate of repairs, a copy of the Registration Certificate, and the driving license of the driver of the vehicle at the time of accident.
• In case of any notice from the third party, Motor Vehicle Claims Tribunal, or a court of law, make no promises to settle the matter out of court. Send all notices, summons etc. you receive to the car insurance company for further action.
• you have to obtain a FIR to claim car insurance in any of the following cases. The FIR needs to be given to the insurance company to process the claim. Any third party personal injury or death due to an accident involving your vehicle Any personal injury or death of a paid driver Any personal injury or death of an owner-driver Any personal injury or death of a passenger Any third party property damage Theft of the entire vehicle Theft of accessories Any loss or damage to the vehicle by miscreants, rioters, terrorists, arsonists, etc

If some one else is driving your car / vehicle what is owner's liability?

If you have purchased a Comprehensive car insurance policy and added the personal accident cover for passengers and drivers, you can make a claim. but as the owner you have to ensure that:
Only those with a valid driving license for that category of vehicle are given control of your vehicle.The person driving your vehicle is not under the influence of liquor or any other intoxicant The insurance company will not be liable for either damage to the vehicle or any third party legal liability, if the driver is intoxicated with liquor or any other substance.

What is Malus?

Suppose you have an accident and make a claim on your car insurance policy. At the time of renewing your policy, the insurance company loads an extra charge on to your premium (on the Own Damage part of the premium). This extra charge is called Malus. The Malus is charged considering that you are a riskier customer to insure because of your accident and subsequent claim. Malus amounts vary - a two-year old vehicle attracts a 10% Malus of the Own Damage while a four-year old vehicle attracts 50% Malus for insurance.

Do I need to keep my insurance papers in my vehicle?

According to Section 158 of the Motor Vehicles Act, any person driving a motor vehicle, on request from a police officer in uniform, must produce:

The insurance certificate, The Certificate of Registration or RC Book ,The driving license The certificate of fitness and the permit in the case of commercial Therefore, it is advised to keep the insurance papers in the vehicle.

What do you mean by Hit and run case?

Hit and run accidents, since the vehicle is not traced, no liability can be imposed on any car insurance company and the victims have to suffer. The only compensation possible is under the Solatium Fund Scheme. The Solatium Fund has been established by the Central Government - 70 per cent of it is contributed by the General Insurance Corporation of India and the balance by the Central and State Governments.If a person dies from a hit and run motor accident, a sum of Rs. 25,000 is payable; for grievous injury, a sum of Rs. 12,500 is payable.

What should I do if I receive a Court notice from a third party claimant? I

In the event of a third party claim, notify the insurance company in writing along with a copy of the notice and your insurance certificate. DO NOT offer to make an out-of-court settlement or promise payment to any party without the written consent of the insurance company. The insurance company has a right to refuse liabilities arising out of such promises. The insurance company will issue a claim form that has to be filled and submitted along with: Copy of the Registration CertificateDriving license,First information report (FIR)After verification, the insurance company will appoint a lawyer in your defense. You are expected cooperate with the insurance company, providing evidence during court proceedings. If the court orders compensation on your part, the insurance company will then do it directly.

How do I make a claim in case of theft of vehicle?

In the event of theft of vehicle, lodge the First Information Report (FIR) with a police station immediately. Inform your insurance company and provide them with a copy of the FIR. Submit the Final Police Report to the insurance company as soon as it is received.

Extend full cooperation to the surveyor or investigator appointed by the company.

After the claim is approved, the Registration Certificate of the stolen vehicle has to be transferred in the name of the company. You also need to submit the duplicate keys of the vehicle along with a letter of subrogation and an indemnity on stamp paper (duly notarized) to the insurance company.

What if I have an accident with an uninsured vehicle?

It does not matter whether the vehicle on the other side has insurance or not. If you have a comprehensive policy for your vehicle, you are fully insured against liabilities, subject to your policy specifics.

If there is a dispute regarding the claim settlement between the insured and the insurer, how is the dispute resolved?

The most common form of dispute that arises between the insured and the insurer is about admission of liability or the size of the claim. Disputes regarding claim amounts, where the insurer has agreed to cover the claim under the policy, are referred to an arbitrator. If the decision of the arbitrator is disputed by either party, the Consumer Forum or the Civil Court could be approached.

The author is a practicing advocate in Bangalore , Karanataka if you need more details or help you can mail him at btkoller@yahoo.co.in