Preface, vii, 
Acknowledgements, ix, 
Introduction, xi, 
Self Development, 1, 
The Move to London, 14, 
Development of QBE Insurance, 42, 
The Business Challenge In Sydney, 48, 
My Largest Acquisition Activity in Australia, 54, 
Change of Interests and Lifestyle, 65, 
Conclusion, 69,

CHAPTER 1

SELF DEVELOPMENT

The First Full-Time Employment

I had not resolved the direction I would head forward in my future career, but the engineering teacher was impressed with my adaptability and skill in the fitting and turning engineering classes. The three closest friends of my school days had decided to enlist as apprentice fitters and turners, so I decided to follow suit.

Three of us, at age sixteen, enlisted with the Department of Defence at the ordinance factory in Maribyrnong, which provided the most sophisticated training program known at the time. The training unit was only used by apprentices, and all completed the two-year program before being released to the big, wide world of ordinance equipment.

After twelve months, we were introduced to a personal assessment program, testing intelligence, personality, and leadership skills. I was greatly impressed with this system, because youths don't always make a suitable choice of career, because of a lack of guidance or consultation at school.

After the personal assessment program, which did not have a quantitative assessment, I was advised that the results confirmed I had greater horizons than my career choice. It was suggested that my indentures be terminated, to undertake a career in the administration area, i.e., public service. It was also agreed that I would be rotated throughout the various departments, to gain as much experience as possible as quickly as possible.

Self-discipline number 2 applies: aspire to roles that suit your strengths and personalities.

Early in your business life, you should explore options to identify strengths and personality.

Self-Development

Unfortunately, I did not have access to accurate personal assessments early in my working life, but thankfully, good opportunities came along because of my drive and enthusiasm. Thankfully, as my career developed into the more advanced form of management, I expanded in understanding myself.

My employers pressed for increased management sophistication, and I was enrolled with the Executive Training College, Sydney University, and London Business School. During the training, I was educated in the theories of Myers-Briggs and Carl Jung, and I was assessed as introverted, but not excessively so; thinking; judging.

Thinking, as per the Myers-Briggs formula, means objective, rational, making judgements based on facts, not emotions.

Self-discipline number 1 applies: clearly define your strengths, weaknesses, and personality as soon as possible.

The most dominant trait in my personality has always been thinking, which was extremely helpful when given the task of correcting a nonperforming company or assessing a company as a potential acquisition target. At times, it is inevitable that various paths will cross; in other words, handling exercises that are not akin to our strongest suits.

For example, during my business life, l had to design strategic plans, looking to the future and plotting the future development of the company. Although creative thinking was not my personality strength, I coped reasonably well in these exercises by trying to anticipate what the company should look like in five to ten years and then working back from that point. After completing several of these exercises,

I became more comfortable with the process.

Experience showed me that any activity becomes easier after completing it a number of times.

Strengths and Weaknesses

The next exercise was an analysis of my strengths and weaknesses, which will also assist in deciding a career path.

Are you adept with numbers? Do you present well? Are you good with your hands, a good problem-solver, a good team player, or an individualist? Are you a good manager of money, keen on learning other languages, an achiever, a good planner, aware of any leadership skills? The list goes on.

Complete an initial exercise to identity both strengths and weaknesses and constantly review the results. I concluded that expressing myself clearly with clear English terminology was a weakness.

Many students enter part-time work in various industries, which could assist in these exercises.

If you are not numerate, you are not a candidate for accountancy; an introvert would likely fail as a salesman. At one stage in my career, I was selling insurance, and the results were reasonable, because of my hard work, but not top grade because I was fighting against my introverted personality.

Self-disciplines 2, 10, and 11 apply: after identifying the strengths, aim for roles that suit those strengths.

Stabilising My Finances

In 1956, at eighteen years of age, I was playing VFL football with Footscray Reserves and being paid a princely sum of thirty shillings a game — three dollars in today's currency. It was an insult, but the club used most of its funds to attract country recruits.

One Sunday morning, I received a visit from Keith Drinan, a previous great from St. Kilda Football Club, who at the time was coach of the Yarraville Football Club, playing in the Victorian Football Association. Keith stated he needed a centre half forward for his club, and he had received numerous recommendations about my ability.

I agreed to train with the club that week and played in a practice match the following Saturday. The next day, I had another meeting with Keith, who offered me a contract paying ten pounds a game. The offer was attractive, because I had a goal to build my first house before my twenty-first birthday. This particular goal was important to me because my parents, since marriage, had always been renters and had not purchased a house.

However, the plan failed when Footscray Football Club refused to grant a clearance to Yarraville based on the recommendation of the reserves coach. I then concluded that the possible gains from football were inadequate to meet my immediate financial goals, and I could supplement my income through other sources. First I took a job cleaning an office block five nights a week; second, I commenced working in a cafe all day on Sundays.

I also accepted that sporting careers have a short lifespan, and I was more interested in achieving my long-term goals: developing myself to play a significant role in industry management or the financial sector.

The next move was to purchase an allotment of land for the construction of my house. As I did not want to overstretch my financial capacity, I limited the cost to six hundred pounds, meaning unmade roads and no sewerage.

I hired a builder after inspecting many of his completed projects and was impressed with the quality of the workmanship. During this period, I was assisted by an uncle who had completed the same process some years before.

Numerous self-disciplines apply: always move forward in areas you are suited for, and never overextend yourself financially.

Change of Direction in Employment

After almost two years in the public service as a clerical trainee, I came to a number of conclusions:

• I learnt nothing during the two years, other than how to spread three days' work into five.

• The work was dead boring.

• There was no challenge.

The thought of me leaving the public service horrified my father.

I started at an insurance company the following week. My new employer, the Automobile Fire and General Insurance Co., was one of the star performers on the stock exchange, and this information changed my father's attitude.

I was totally committed to achieving success, and after a few weeks, I was given a key to the office, because I was always first to arrive. The initial activity was managing the renewal program for the motor insurance portfolio, and after three months, the program was two months ahead of schedule. As a result of my progress, I was then asked to check the work of another colleague who managed the workers' compensation and public liability program.

The next move was to learn about fire, loss of profits, and householders insurance. It was amazing how quickly I absorbed the technicalities of the insurance business. It simply was a matter of spending time on the issues. The performance proved to my superiors that I was there to succeed, and they gave me every opportunity.

Self-discipline number 12 applies: take every opportunity and commit yourself.

After less than twelve months of the rigorous training program, I was invited to the chief clerk's office for a discussion about my next challenge. He enquired whether I would be interested in becoming an inspector — a coveted role as a salesman servicing existing business and acquiring new business in a predetermined geographical area.

My immediate reaction was one of excitement, but I explained that a problem existed, because I did not have a driver's licence. The response from the chief clerk was, "If you are so keen on the role, I am sure you will correct this problem quickly."

Upon returning to my desk, I sought out driving schools. That evening, an instructor arrived at the football club, after my training session, for my first lesson. The next lesson was the following morning, as I drove to the office through the peak-hour traffic, and the lessons continued each morning and afternoon. On the fourth day, I expected another lesson, but the instructor said we had an appointment at the police station at 9:00 a.m. for my driver's licence test.

The state of euphoria as I travelled to the office was amazing, and I rounded off a fantastic morning by displaying my driver's licence when I entered the chief clerk's office. A briefcase was provided, with all the rating manuals and necessary documents, and I was advised that my role as inspector would commence the following Monday and the car would be available on Friday afternoon. The territory to be serviced was to be the Central Business District of Melbourne and inner suburbs of North Melbourne, Carlton, Fitzroy, and Collingwood.

Self-discipline number 12 applies: take every opportunity and commit yourself.

As a new driver, I had to learn quickly to park the car in confined spaces in the inner suburbs. Thankfully, the Volkswagen made life a little easier, but a problem was just around the corner. Whilst turning on a roundabout, the car stopped, and I assumed the petrol tank was empty. The early-model Volkswagens did not have a petrol gauge, and I was unaware that a lever on the floor released fuel from an emergency tank. I pushed the car around the roundabout, and I was terribly embarrassed when the road service mechanic pointed out this issue.

Another amusing incident occurred that was embarrassing at the time. The key priority was to do everything possible to gain the renewal of existing business. Therefore, if a knock at the front door of a residence gained no response, we would go to the rear door. On this particular day, I received the shock of my life when a teenage girl opened the rear door naked.

I continued as an inspector in two metropolitan districts for two years, after which the general manager requested an interview to discuss the next step in my career. My employer's owners, General Credits, a finance company, had purchased a small finance company in Townsville and decided to open a branch; therefore, the insurance subsidiary was expected to do the same. It was determined that, notwithstanding my youth at age twenty-three, I was the preferred candidate to open the insurance branch office.

It was quite a challenge, but I decided to accept the huge demand and head north.

Self-discipline numbers 12 and 14 apply: take advantage of every opportunity; accept the challenge.

The Move North

The challenge was to develop business between Mackay and Cairns from an office in Townsville, meaning travel every second week. Mackay is 250 miles south of Townsville, and Cairns is 250 miles north of Townsville. This posed a huge challenge, because the company did not have a customer in the north, but it helped that General Credits was owned by Commercial Bank of Australia; thus, my first contact in each town was the manager of the bank.

My sources of business were the bank, its customers, and customers of General Credits, which were primarily motor dealers. I found it interesting that the ethnic mix of the population differed from town to town. For example, Mackay had a strong Maltese community; Cairns, Ingham, and Innisfail had very solid Italian communities.

The wet season created many complications, with flooded creeks and rivers, which was exaggerated by poor road systems. In particular, the road systems south to Mackay were the biggest problem, causing me to spend many idle hours sitting on the banks of flooded waterways. One experience — which I laugh about these days — was embarrassing. A notorious creek eighty miles south of Townsville, renowned for flooding, prevented me returning to Townsville. As it was late afternoon, I returned to Ayr to stay at a hotel for the night. The creek was only twenty kilometres north. As I awoke at 4:30 a.m., I decided to go to the creek to determine if I could travel though to Townsville, but the flood showed no sign of abating.

What to do? I decided to return to the hotel for some extra sleep, but as I attempted to mount the stairs to my room, I was confronted by the owner's huge Alsatian dog, which caused me to retreat quickly. Whilst surveying the premises from outside, I noticed that hanging stairs could give access to the upper floor, so I parked my car below the stairs and climbed to the roof of the car to give me access to the hanging stairs. As I mounted the hanging stairs, a police car arrived. Following an explanation, the police officer escorted me up the stairs to my room, because the dog recognised the policeman.

Another interesting experience worth relating involved the managing director when he visited the north. As we headed south to Mackay, torrential rain commenced, and when we reached the notorious road section between Proserpine and Mackay, flood waters had started to accumulate. Because of the poor condition of the road, it was necessary to travel under a rail bridge, but it too was flooded. We drove through the flood, and I could feel the MD's body tense when we reached the deepest point.

Self-discipline number 3 applies: assemble all necessary facts before making decisions.

A frightening experience occurred one morning as I headed to Mackay. About fifty miles from home, I noticed a black flash outside the left-hand side of the car and realised it was the front wheel, which had careered off into a sugar-cane crop. It seemed an age before the front end of the car hit the bitumen, and when that occurred, all I could do was fight with the steering wheel until the speed reduced sufficiently for me to use gear changes to eventually bring the car to a stop.

Thankfully, two young guys travelling in the opposite direction saw where the wheel entered the sugar cane and recovered it. Inside the hubcap were the nuts for the studs, with sufficient thread to allow me to reconnect the wheel and drive — very slowly — the fifteen miles to Ayr, where a customer replaced the front end. At 4:00, I set off on my journey, but by the time I reached the next town of Home Hill, aftershock kicked in. I could not drive any further, so I stayed the night at the local hotel and had a few drinks and dinner with the local bank manager.

The previous week, the car had been serviced, which included a wheel rotation, and the motor engineers agreed that the most obvious cause of the problem was the possibility that the wheel nuts had not been sufficiently tightened. Thus, they paid the cost of repairs.

Self-discipline number 3 applies: I had decided, after deep thought, that sufficient thread on the studs allowed me to drive further.

Another problem spot was the Herbert River Bridge, north of Ingham, which regularly became flooded because it is probably the strongest-flowing river in the wet season, because of heavy rain in the north of the state. The milk supplies to Townsville were transported from the Atherton Tablelands in huge tankers, and in the wet season, the only way to cross the flooded bridge was to await the arrival of a tanker and follow the tanker across the bridge in its wake.

Self-discipline number 3 applies: accumulate knowledge about the problems you could encounter.

The Value of Knowledge

When travelling up and down the coast, I met many commercial travellers, and I gained vital knowledge from them of all the trouble spots and how to cope with such problems. It reminded me of my Boy Scout training as a teenager and its motto, "be prepared."

Another Change

After four years in the north, the managing director telephoned to say that I was ready for a new challenge and proposed my transfer to Albury on the border of New South Wales and Victoria. I was pleased with this proposal, because Albury Branch was considered the jewel in the crown. A previous manager had been a huge success by developing a fantastic business.

The geographic spread of the business was to Wagga in the north, Benalla and Mount Beauty in the south, Deniliquin in the west, and Corryong in the east. The area is a strong farming community, raising dairy, beef, sheep, grains, fruit, vineyards, hops, and tobacco. North East Victoria and the Riverina are considered some of the best agricultural land in Australia. The area was very affluent, and much business competition continued between towns on either side of the Murray River, Albury and Wodonga. I established many friendships, which still continue to this day.

(Continues...)

Excerpted from Developing Character and Career by Bryan L. McMahon. Copyright © 2015 Bryan L Mcmahon. Excerpted by permission of Balboa Press.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
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PBShop.store US

Wood Dale, IL, U.S.A.

5-star seller

AbeBooks seller since April 7, 2005

Shipping rates within U.S.A.

Item	7 to 14 business days	7 to 14 business days
First item	£ 0.00	£ 0.00

Delivery times are set by sellers and vary by carrier and location. Orders passing through Customs may face delays and buyers are responsible for any associated duties or fees. Sellers may contact you regarding additional charges to cover any increased costs to ship your items.

Payment methods

Store description

We first started out as “The Paperback Exchange,” a chain of physical bookstores where we would part exchange your beloved books for new stories to transport you to faraway places. However, as shopping started to evolve to online shops and marketplaces, we bid our stores goodbye to become “PBShop.” This transition has only allowed us to blossom as we now ship thousands of titles to book lovers across the globe. We pride ourselves in being a community of local book lovers which allows our passion and devotion to shine in everything we do. In 2020 we not only celebrated our 20th birthday but our 1st birthday as being completely employee owned after becoming an E.O.T in September 2019. We are proud to be different and embrace standing apart on a book mountain by working from a virtual inventory which allows us to provide thousands of books that may be difficult to get for your bookshelf or your studies. Working with a number of different suppliers allows us to explore other avenues such as puzzles, sheet music and even stationery so we really do have something for everyone. Life is about being versatile in all realms of existence. If this is your first visit or you are a returning customer, we would like to welcome you to the PBShop family, for there is no friend as loyal as a book. We are a company who put our customers at the centre of everything we do as we understand the importance of reading because once you learn to read, you will forever be free. There are a whole lot of things in this world of ours that we are yet to explore, which is why we will forever inspire curious minds.…

Specialty

Hardbacks, Paperbacks

Seller's business information

Pbshop.co.uk Ltd

Unit 22 Horcott Industrial Estate, Horcott Road
Fairford, United Kingdom GL7 4BX

Contact sellerView this seller's itemsView seller's storefront

Terms of sale

Returns Policy
We ask all customers to contact us for authorisation should they wish to return their order. Orders returned without authorisation may not be credited.
If you wish to return, please contact us within 14 days of receiving your order to obtain authorisation.

Returns requested beyond this time will not be authorised.

Our team will provide full instructions on how to return your order and once received our returns department will process your refund.
Please note the cost to return any unwanted order to us is borne by the buyer.

Should your order arrive damaged, not as advertised or faulty, we must be advised of this within 14 days of delivery. Please contact us so we can find the best solution for you.

Our Customer Care Team can be contacted via emailing paperback-us@paperbackshop.co.uk, or by calling our UK Office on +441285 712 917. We are available 9:00am till 5:30pm GMT weekdays and 9:00am till 1:00pm GMT on Saturdays.

Right of withdrawal

If you are a consumer you can withdraw from the contract in accordance with the following. Consumer means any natural person who is acting for purposes which are outside his trade, business, craft or profession.

Information regarding the right of withdrawal

Statutory right to withdraw

You have the right to withdraw from this contract within 14 days without giving any reason.

The withdrawal period will expire after 14 days from the day on which you acquire, or a third party other than the carrier and indicated by you acquires, physical possession of the last good or the last lot or piece.

To exercise the right of withdrawal, electronically fill in and submit a clear statement on our website, under "My Purchases" in "My Account". We will communicate to you an acknowledgement of receipt of such a withdrawal on a durable medium (e.g. by e-mail) without delay.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, we will reimburse to you all payments received from you, including the costs of delivery (except for the supplementary costs arising if you chose a type of delivery other than the least expensive type of standard delivery offered by us).

We may make a deduction from the reimbursement for loss in value of any goods supplied, if the loss is the result of unnecessary handling by you.

We will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to withdraw from this contract.

We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

We may withhold reimbursement until we have received the goods back, or you have supplied evidence of having sent back the goods, whichever is the earliest.

You shall send back the goods or hand them over to PBShop.store US, Springfield Gardens, New York, U.S.A., +44 1285 712917, without undue delay and in any event not later than 14 days from the day on which you communicate your withdrawal from this contract to us. The deadline is met if you send back the goods before the period of 14 days has expired. You will have to bear the direct cost of returning the goods. You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the goods.

Exceptions to the right of withdrawal

The right of withdrawal does not apply to:

The delivery of newspapers, journals or magazines with the exception of subscription contracts; and
The supply of digital content which is not supplied on a tangible medium (e.g. on a CD or DVD) if you accepted when you placed your order that we could start to deliver it, and that you could not withdraw once delivery had started.

Shipping terms

Books are shipped from our US or UK warehouses. Delivery estimates allow for delivery from either location.

Privacy and security

We are committed to protecting the privacy and security of personal data. This policy tells you how we will collect and use your personal data, and what you should expect in respect of the personal information about you that we have collected.

We are PBShop.co.uk Limited (registered in England & Wales with Company No: 9366362). Our registered office is at Swatton Barn, Badbury, Swindon, SN4 0EU, United Kingdom.

The person with responsibility for our data protection compliance is the Managing Director and they can be contacted via email at help@pbshop.store.

We are the data controller of the personal data that we keep and use, and we are therefore responsible for making sure that our systems, processes and people comply with the relevant data protection laws in respect of that personal data.

We will act in respect of personal data to comply with the six principles of the General Data Protection Regulation (“GDPR”), which are:

Lawfulness, fairness and transparency;
Purpose limitation;
Data minimisation;
Accuracy;
Storage limitation;
Integrity and confidentiality.
You have rights in respect of how your personal data can be processed; these include the right to request:

a copy of your personal data;
that inaccurate data is rectified; and
that your personal data is, in certain circumstances, erased or restricted.
You have the right to complain to the Information Commissioner, which you can do by contacting the Information Commissioner’s Office (ICO) directly. Full contact details, including a helpline number, can be found on the ICO website (www.ico.org.uk). This website also has useful information on your rights and our obligations. However, please raise any concerns or issues with us first so that we may deal with this as quickly as possible for you.

COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA
We collect and process data for the following reasons:

personal data collected and created in relation to our selling books and other items; and
personal data relating to our people (which means those people working for our company, or providing services to us, or potentially working or providing services to us, including employees, consultants, temporary or casual workers and contractors).
All of our people are required to abide by our Privacy Policy when handling personal data, and are provided with appropriate data protection training. Any breach of data protection will be taken seriously, and may result in disciplinary action.

Selling books and other items
COLLECTION:
We will collect personal information which may include names, addresses and other information for our customers. This will be done for the management of the commercial relationship with our customers.

We may collect this personal data from you directly, and also from third parties, including publicly available third party sources. Additional personal data will be collected as it is created by or supplied to us in the course of anything we do for you.

USE:
We will use the personal data in the course of making sales and to comply with requirements that we are required to undertake.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

in performance of a contract (the agreement to sell books and other items); and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be far less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
DISCLOSURE:
We may share personal data with third parties as is necessary in the sale of books and other items, including to third party providers who deliver services to support the operation of our company.

In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. Normally, our retention period for personal data collected for this purpose is a minimum of 6 years after the end of the period that we are selling books and other items.

Our people
COLLECTION:
We will collect names, addresses, contact details, education and employment history, identity and other background checks (which may include appropriate criminal and financial checks and confirmation of the right to work in the UK), marital status and information on next of kin and dependents, financial information (such as bank details and NI numbers), date of birth, gender, a copy of your passport and driving licence, performance information and compensation history, recruitment information (including references), salary, benefits, pension and annual leave information, disciplinary and grievance information, photographs, information about your use of our information and communications systems and CCTV footage or other information obtained through electronic means.

We may collect and use special categories of personal data as required in the carrying out of obligations and exercising specific rights of us or the data subject in the field of employment. This may include information relating to matters such as health, racial origin, religious belief and offences or alleged offences.

Personal data may be collected from you during the selection process (for example via your application form and CV) and during your employment (including holiday forms, expense claims, performance reviews, any disciplinary or grievance processes), or from third parties, including referees, health service providers, background check providers.

USE:
Personal data of our people will be used for HR administration and management, both in respect of the selection of people to work for us (including suitability, eligibility and/or fitness to work), and those who do work for us, to include learning and development, disciplinary and security (of people, offices and data) requirements, providing and liaising with benefits providers, business management and planning (including accounting and auditing), paying you and dealing with tax and NI deductions, assessing and deciding on salary reviews and compensation, conducting performance reviews and managing performance, dealing with legal disputes involving you or others, preventing fraud, monitoring your use of our information and communications systems, ensuring compliance with our policies, and equal opportunities monitoring.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

In performance of a contract with you; and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

In respect of special categories of personal data, we may process this in the following circumstances:

in limited circumstances with your explicit written consent; and/or
where we need to carry out our legal obligations and in line with our policies; and/or
where it is needed in the public interest (such as for equal opportunities monitoring or in relation to our occupational pension scheme), and in line with our policies; and/or
where it is needed to assess your working capacity on health grounds, subject to appropriate confidentiality safeguards.
Less commonly, we may process this type of information where it is needed in relation to legal claims or where it is needed to protect your (or someone else’s) interests and you are not capable of giving your consent, or where you have already made the information public. We may also process such information about our people (or former people) in the course of our legitimate business activities with the appropriate safeguards.

The special categories of personal data may be used in the following ways:

in relation to leaves of absence, to comply with employment and other laws;
in relation to your physical or mental health, or disability status, to ensure your health and safety in the workplace and to assess your fitness to work, to monitor, manage and administer benefits and absences;
in relation to your race, national or ethnic origin, religious, philosophical or moral beliefs, or your sexual life or sexual orientation, to ensure meaningful equal opportunity monitoring and reporting.
DISCLOSURE:
Personal data may be transferred to service providers who support the operation of our business (such as payroll service providers), to other third parties reasonably necessary in the conduct of our business (including insurers, professional advisors, regulators). These third parties may be acting as processor, or controller of personal data in their own right.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. We will normally keep personal data of applicants who we do not employ for six months after we receive it.

We will keep personal data of employees throughout your employment and normally for a minimum of six years after your employment ends.

Changes to your personal data
It is very important that the personal information that we hold about you is accurate and current. Please tell us if your personal information changes during your relationship with us.

Data Security
We have put in place measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those of our people and other third parties who have a business need to know. They will only process your personal data on our instructions and where they have agreed to treat the information confidentially and to keep it secure. We have put in place procedures to deal with any suspected data security breach and will notify you and the ICO of a suspected breach where we are legally required to do so.

Where we store your personal data
We principally store data, both electronically and on file, at our office.

Personal data may be transferred outside of the EEA by processors acting on our behalf. For transfers to countries not considered adequate by the EC, we will ensure that personal data is adequately protected, as required by the GDPR. This would include by use of the Standard Contractual Clauses adopted by the EC to protect personal data.

Your rights
Under certain circumstances, you have the right by law to request:

access to your personal data. This enables you to ask to receive a copy of the personal data that we hold about you and to check that we are lawfully processing it.
correction of the personal data that we hold about you.
erasure of your personal data.
object to processing of your personal data where we are relying on our legitimate interest and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
restriction of processing of your personal data.
transfer of your personal data to another party.
Links from our website
Our website may, from time to time, contain links to and from the websites of third parties that we permit to make such links. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. We recommend that you check these policies before you submit any personal data to these websites.

CHANGES TO THIS PRIVACY POLICY
Any changes we may make to our privacy policy in the future will be posted on our website, so please ensure that you are viewing the correct version.

Please contact us if you have any questions, comments or requests regarding this Privacy Policy.

Last amended May 2021.

Developing Character and Career

Item description from seller

Bibliographic details

Synopsis

About the title

Excerpt. © Reprinted by permission. All rights reserved.