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“3. Question Note: For this assignment, please ensure that you have downloaded the case study in Module 1 and read through Chapter 4 to inform your submission. Chapter 4 of the case study describes an exciting new project undertaken by The Loft: the development of an augmented reality application, The Loft by Design. This application allows customers to design their own living spaces with The Loft furniture. By creating this app, The Loft hopes to establish a competitive edge over their competitors in the furniture market. Due to the fact that customers’ personal information is procured during the set-up of the app (and while using the app), Kristen Lee, the information officer, expressed the need for an impact assessment to assess the potential privacy and data protection risks that The Loft may be exposed to. By identifying these risks, The Loft will be in a better position to develop and implement appropriate controls to ensure compliance with the regulatory universe in all of its locations. You have been tasked with compiling certain sections of the impact report, as well as a stakeholder map for this project at the Cape Town office, ahead of launching the application to the public. You have been provided with the basic structure of the impact report by the information officer which you should use to inform your report. For consistency throughout the organisation, the information officer also provided you with a table to assist in completing the stakeholder map. 1.1 Once you’ve completed the risk identification exercise, you are ready to complete the impact report. Below is a table with sections extracted from an impact report template. Complete the sections in the given table relating to the need for the impact report and the nature of the data used by The Loft by Design app. In your answer, include four needs for the impact report and four descriptions of the nature of data.”

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“please see if my answer is correct – In Cowley and Another v Hahn 1987 (1) SA 440 (E), the court stated the following: A usufruct is a personal right, held by the usufructurary only, to the use of the property and its fruits. It does not diminish the rights of ownership such as a real or praedial servitude does, and which confers on the holder of the servitude a right in the property adverse to the dominium holder. The existence of the usufruct may well limit or restrict the enjoyment by the owner of certain rights of possession, and of benefits accruing from the property, but it does not diminish in any way any of the rights of ownership or dominium. Introduction The Judgement in the Cowley case has been heavily criticized by many legal experts for its incorrect conclusions and description of the legal nature of a usufruct. As we can see that the court made incorrect assumptions and conclusions relating to usufructs. The main issues that are critically analyse were made in the following regard; • The usufruct is a personal right , held by the usufructuary ; • It does not diminish the rights of ownership such as a real and praedial servitude does; Applicable Principles The usufruct is a personal right, held by the usufructuary As a point of departure a usufruct is a personal servitude, and as it established by law that both personal servitudes and praedial servitudes constitute real rights. A usufruct is a limited real right in terms of which the owner or grantor of a thing confers on the usufructuary the right to use and enjoy the thing and to draw both natural and civil fruits from the source which the usufruct relates. The Cowley case made a mistake when it described a usufruct as a mere personal right , and the incorrectness of this decision was identified in the Felix v Nortier 1996 case Its does not diminish the rights of ownership such as a real and praedial servitude does Since the usufructuary has the right to use and enjoy the thing to the extent that it necessarily includes the cultivation and acquisition of both the natural and civil fruits, the usufructuary becomes the owner of the fruits when she collects them and will be responsible for the costs associated with the cultivation and collection of the natural fruits. In this way owners dominium is diminished by the creation of the usufruct which is a limited real right for the duration of the usufruct. Further that the owners right of ownership can be diminished by the ability of the usufructuary to evict the owner of the property in terms of the Prevention of the Illegal Eviction from and Unlawful Occupation and Unlawful Occupation of Land Act 19 of 1998. Conclusion Therefore in view of the above facts , the court erred in the Cowley v Hahn 1987 case by describing a usufruct as a mere personal right and the incorrectness of this decision was confirmed in the Felix v Nortier 1996 case.”

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“erprise Risk Management in Developing Economies: A Case Study of the Zambian Financial Services Sector”Instructions:Write a critical essay analyzing the implementation of Enterprise Risk Management (ERM) in the Zambian financial services sector. Your essay should:Define risk and outline the principles of ERM.Discuss the internal and external risks faced by financial institutions in Zambia.Examine challenges and success factors in embedding risk culture in organizations.Propose recommendations to improve risk governanceinZambia.”

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