The winner of the 2020 British Insurance Law Association Book Prize, this timely, expertly written book looks at the legal impact that the use of 'Big Data' will have on the provision - and substantive law - of insurance. Insurance companies are set to become some of the biggest consumers of big data which will enable them to profile prospective individual insureds at an increasingly granular level. More particularly, the book explores how: (i) insurers gain access to information relevant to assessing risk and/or the pricing of premiums; (ii) the impact which that increased information will have on substantive insurance law (and in particular duties of good faith disclosure and fair presentation of risk); and (iii) the impact that insurers' new knowledge may have on individual and group access to insurance. This raises several consequential legal questions: (i) To what extent is the use of big data analytics to profile risk compatible (at least in the EU) with the General Data Protection Regulation? (ii) Does insurers' ability to parse vast quantities of individual data about insureds invert the information asymmetry that has historically existed between insured and insurer such as to breathe life into insurers' duty of good faith disclosure? And (iii) by what means might legal challenges be brought against insurers both in relation to the use of big data and the consequences it may have on access to cover? Written by a leading expert in the field, this book will both stimulate further debate and operate as a reference text for academics and practitioners who are faced with emerging legal problems arising from the increasing opportunities that big data offers to the insurance industry.

As the internet has been regulated from its conception, many widespread beliefs regarding internet freedom are actually misconceptions. Additionally, there are already two main categories of internet regulation systems in use: the open and the silent IRSs. Unexpectedly, the former are quite popular among authoritarian regimes, while the latter are implemented mainly in Western democracies. Many IT experts and media analysts criticize Western governments' choice to use a silent IRS, expressing their fear that this could set a dangerous precedent for the rest of the democratic countries around the world. New regulation systems must be developed and implemented that are more acceptable to the general public. Internet Censorship and Regulation Systems in Democracies: Emerging Research and Opportunities is an essential reference source that discusses the phenomenon of internet regulation in general and the use of internet regulation systems (IRSs) by authoritarian regimes and Western democracies and proposes a blueprint for the development and implementation of a fair internet regulation system (FIRS). The book also considers the function of a fair internet regulation system in terms of maximizing its effectiveness, keeping the implementation cost low, and increasing the probability of acceptance by each country's general public. Featuring research on topics such as governmental control, online filtering, and public opinion, this book is ideally designed for researchers, policymakers, government officials, practitioners, academicians, and students seeking coverage on modern internet censorship policies within various international democracies.

This book examines how cryptocurrencies based on blockchain technologies fit into existing general law categories of public and private law. The book takes the common law systems of the United Kingdom as the centre of its study but extends beyond the UK to show how cryptocurrencies would be accommodated in some Western European and East Asian legal systems outside the common law tradition. By investigating traditional conceptions of money in public law and private law the work examines the difficulties of fitting cryptocurrencies within those approaches and models. Fundamental questions regarding issues of ownership, transfer, conflict of laws, and taxation are addressed with a view to equipping the reader with the tools to answer common transactional questions about cryptocurrencies. The international contributor team uses the common law systems of the United Kingdom as a basis for the analysis, but also looks comparatively to other systems across the wider common law and civil law world to provide detailed examination of the legal problems encountered.

Protecting the privacy of student data when bringing technology into the classroom is one of the toughest organizational challenges facing schools and districts today. Parent and legislator concerns about how school systems protect the privacy of student data are at an all-time high. School systems must navigate complex federal and state regulations, understand how technology providers collect and protect student data, explain those complexities to parents, and provide the reassurance the community needs that the student information will remain safe. Student Data Privacy: Building a School Compliance Program provides solutions for all of these challenges and more. It is a step-by-step journey through the process of building the policies and practices to protect student data, and shifting the organizational culture to prioritize privacy while still taking advantage of the tremendous benefits that technology has to offer in the modern classroom.