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Promoting positivity in the workplace
22 July 2024Catherine Hayes and Linda Hynes write for Retail News
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CBDC - the future of payments and money in the UK?
09 February 2023Back in April 2022 I wrote an article about the future of cryptoassets, payments and money in the UK. At that time, the UK government announced that it intended to bring in a regulatory regime for stablecoins used as a means of payment.
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Controversial NI Protocol Bill passed – EU turns up the heat by issuing further legal action against UK
27 July 2022Nothing that concerns Brexit and Northern Ireland (NI) was ever going to be straightforward, given the potentially divisive and disruptive nature of any arrangements relating to the latter in the context of trying to reach a deal on the former.
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Act now or pay later? FCA publishes important guidance on ensuring fair terms in unregulated Buy Now Pay Later credit agreements
24 February 2022In relation to unregulated “Buy Now, Pay Later” (BNPL) credit agreements, the government has consulted and intends to bring these products within the scope of regulation
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The Hospitality Industry’s Covid Balancing Act: Anna Sella writes for CLH News
26 November 2021From 19 July 2021 (dubbed 'Freedom Day' by some), the Government effectively transferred the responsibility for deciding what amounts to appropriate measures to keep workers and customers safe into individual businesses. And there is no one-size-fits-all answer - even businesses in the same sector will need to take into account very different considerations.
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Buy Now Pay Later: FCA regulation appears to be looming. What might this mean for those offering this form of payment option?
29 October 2021Businesses that offer regulated credit agreements must be authorised to do so by the UK’s FCA and must comply with relevant FCA rules as well as requirements in the Consumer Credit Act 1974 and subsidiary legislation.
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Tips to be paid to staff in full under latest plans for legislation
29 September 2021The government has announced plans to overhaul tipping practices so that all tips are paid to staff without deductions.
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Watch out retailers - storing payment card details for future purchases just got a lot harder!
17 June 2021We have all seen the switch to online shopping during the pandemic, when shops were closed for months on end. Irish retailers embraced this new opportunity and turned to the internet to get consumers back in their (virtual) shops. Some customers may never go back to “normal” shopping.
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Watch out retailers - storing payment card details for future purchases just got a lot harder!
17 June 2021We have all seen the switch to online shopping during the pandemic, when shops were closed for months on end. Irish retailers embraced this new opportunity and turned to the internet to get consumers back in their (virtual) shops. Some customers may never go back to “normal” shopping.
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COVID-19 advice for corporate occupiers
16 June 2021Commercial tenants – whether occupying offices, retail premises, industrial units or other property - face potentially existential questions arising out of their landlord and tenant relations, how to manage cashflow and outgoings as revenues dry up, premises shut down and uncertainty reigns.
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Business Rates Relief for those in the Retail, Leisure and Hospitality sector and for nurseries
14 December 2020From 1 April 2020 all retail, leisure and hospitality firms will be exempt from paying business rates for 12 months to help limit any further financial and economic damage that this pandemic is causing.
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A change in the high street - the hub and spoke approach?
23 November 2020One of the upsides of lockdown has been the wealth of information available through webinars, when experts in their relevant fields, who are usually too busy to disseminate their expansive knowledge, are able to share their views.
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To mark Black History Month, we’ve looked at some of the ads that have been labelled racist in both the UK and further afield, but we’ve been shocked to identify the biggest offender of all
30 October 2020Author’s note: I always give careful thought before publishing offensive ads in articles or including them in presentations, but unfortunately, I think it is often essential so that the reader or audience can fully appreciate the story. Nevertheless, I should like to apologise for any offence that is caused by the ads included in this piece.
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New business to business (B2B) fairness and transparency rules apply to ‘online platforms’ and search engines from 12 July 2020
15 June 2020New EU rules requiring online platforms (including e-commerce marketplaces and price comparison sites) and search engines to deal with their business users fairly and transparently, come into force in the UK and across the EU on 12 July.
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European Commission supports voluntary travel vouchers but what are the implications for the UK travel business?
22 May 2020The European Commission has issued a “Recommendation”, announcing that it wants to encourage consumers to accept vouchers in place of cash refunds for cancelled holidays.
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Cancellations and refunds during the COVID-19 pandemic
11 May 2020It seems that every day there is a new report in the media about ordinary people being denied refunds when holidays, weddings, bar mitzvahs, anniversary parties and other events which they have paid for have been cancelled as a consequence of national or global lockdown measures. In some cases, the travel company/event organiser has insisted on collecting balancing payments from their customers as well.
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How franchisors and franchisees can work together to combat the impact of Covid-19
29 April 2020The coronavirus pandemic is a truly universal crisis, with no regard for borders or socio-economic systems. In just a few short weeks, it has caused havoc for businesses around the world, making casualties of household names and showing us that size doesn’t matter after all. For businesses large and small, online and on the high street, swift action is required to limit the potential long-term damage. For franchise businesses, meaningful – and perhaps unprecedented – cooperation between franchisor and franchisee is also vital.
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I didn’t sign up for this! Can parties escape obligations when the deal changes?
27 April 2020It is estimated that 20% of the world’s population is living under some form of lockdown as various governments roundly seek to combat the spread of Covid-19. The impact has seen businesses forced to adapt to a reality that they would never have envisaged. Measures in the UK have left a variety of sectors reeling as shops have shut, operations have been restricted and events have been cancelled.
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Implying terms into commercial contracts impacted by COVID-19
31 March 2020We live and work in unprecedented times. The health of the population is rightly the priority, but it is abundantly clear that steps taken to prevent the spread of COVID-19 are having a very significant impact on the ability of businesses to fulfil obligations in commercial contracts.
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Retail, hospitality and leisure Covid 19 survey, from The Collective by Lewis Silkin
26 March 2020Between 19 - 24 March 2020, we conducted a survey for thought leaders in the retail, hospitality and leisure sector, in order to share the data and help others facing these unprecedented times.