---
language:
- en
license: apache-2.0
tags:
- sentence-transformers
- sentence-similarity
- feature-extraction
- dense
- generated_from_trainer
- dataset_size:1627
- loss:MatryoshkaLoss
- loss:MultipleNegativesRankingLoss
base_model: nomic-ai/modernbert-embed-base
widget:
- source_sentence: When does the supervisory authority provide an opinion on the draft
code?
sentences:
- '1.A transfer of personal data to a third country or an international organisation
may take place where the Commission has decided that the third country, a territory
or one or more specified sectors within that third country, or the international
organisation in question ensures an adequate level of protection. Such a transfer
shall not require any specific authorisation.
2.When assessing the adequacy of the level of protection, the Commission shall,
in particular, take account of the following elements: (a) the rule of law, respect
for human rights and fundamental freedoms, relevant legislation, both general
and sectoral, including concerning public security, defence, national security
and criminal law and the access of public authorities to personal data, as well
as the implementation of such legislation, data protection rules, professional
rules and security measures, including rules for the onward transfer of personal
data to another third country or international organisation which are complied
with in that country or international organisation, case-law, as well as effective
and enforceable data subject rights and effective administrative and judicial
redress for the data subjects whose personal data are being transferred; (b) the
existence and effective functioning of one or more independent supervisory authorities
in the third country or to which an international organisation is subject, with
responsibility for ensuring and enforcing compliance with the data protection
rules, including adequate enforcement powers, for assisting and advising the data
subjects in exercising their rights and for cooperation with the supervisory authorities
of the Member States; and (c) the international commitments the third country
or international organisation concerned has entered into, or other obligations
arising from legally binding conventions or instruments as well as from its participation
in multilateral or regional systems, in particular in relation to the protection
of personal data.
3.The Commission, after assessing the adequacy of the level of protection, may
decide, by means of implementing act, that a third country, a territory or one
or more specified sectors within a third country, or an international organisation
ensures an adequate level of protection within the meaning of paragraph 2 of this
Article. The implementing act shall provide for a mechanism for a periodic review,
at least every four years, which shall take into account all relevant developments
in the third country or international organisation. The implementing act shall
specify its territorial and sectoral application and, where applicable, identify
the supervisory authority or authorities referred to in point (b) of paragraph
2 of this Article. The implementing act shall be adopted in accordance with the
examination procedure referred to in Article 93(2).
4.The Commission shall, on an ongoing basis, monitor developments in third countries
and international organisations that could affect the functioning of decisions
adopted pursuant to paragraph 3 of this Article and decisions adopted on the basis
of Article 25(6) of Directive 95/46/EC.
5.The Commission shall, where available information reveals, in particular following
the review referred to in paragraph 3 of this Article, that a third country, a
territory or one or more specified sectors within a third country, or an international
organisation no longer ensures an adequate level of protection within the meaning
of paragraph 2 of this Article, to the extent necessary, repeal, amend or suspend
the decision referred to in paragraph 3 of this Article by means of implementing
acts without retro-active effect. Those implementing acts shall be adopted in
accordance with the examination procedure referred to in Article 93(2). On duly
justified imperative grounds of urgency, the Commission shall adopt immediately
applicable implementing acts in accordance with the procedure referred to in Article
93(3).
6.The Commission shall enter into consultations with the third country or international
organisation with a view to remedying the situation giving rise to the decision
made pursuant to paragraph 5
7.A decision pursuant to paragraph 5 of this Article is without prejudice to transfers
of personal data to the third country, a territory or one or more specified sectors
within that third country, or the international organisation in question pursuant
to Articles 46 to 49
8.The Commission shall publish in the Official Journal of the European Union and
on its website a list of the third countries, territories and specified sectors
within a third country and international organisations for which it has decided
that an adequate level of protection is or is no longer ensured.
9.Decisions adopted by the Commission on the basis of Article 25(6) of Directive
95/46/EC shall remain in force until amended, replaced or repealed by a Commission
Decision adopted in accordance with paragraph 3 or 5 of this Article.'
- '1.The Member States, the supervisory authorities, the Board and the Commission
shall encourage the drawing up of codes of conduct intended to contribute to the
proper application of this Regulation, taking account of the specific features
of the various processing sectors and the specific needs of micro, small and medium-sized
enterprises.
2.Associations and other bodies representing categories of controllers or processors
may prepare codes of conduct, or amend or extend such codes, for the purpose of
specifying the application of this Regulation, such as with regard to: (a) fair
and transparent processing; 4.5.2016 L 119/56 (b) the legitimate interests
pursued by controllers in specific contexts; (c) the collection of personal data;
(d) the pseudonymisation of personal data; (e) the information provided to the
public and to data subjects; (f) the exercise of the rights of data subjects;
(g) the information provided to, and the protection of, children, and the manner
in which the consent of the holders of parental responsibility over children is
to be obtained; (h) the measures and procedures referred to in Articles 24 and
25 and the measures to ensure security of processing referred to in Article 32;
(i) the notification of personal data breaches to supervisory authorities and
the communication of such personal data breaches to data subjects; (j) the transfer
of personal data to third countries or international organisations; or (k) out-of-court
proceedings and other dispute resolution procedures for resolving disputes between
controllers and data subjects with regard to processing, without prejudice to
the rights of data subjects pursuant to Articles 77 and 79
3.In addition to adherence by controllers or processors subject to this Regulation,
codes of conduct approved pursuant to paragraph 5 of this Article and having general
validity pursuant to paragraph 9 of this Article may also be adhered to by controllers
or processors that are not subject to this Regulation pursuant to Article 3 in
order to provide appropriate safeguards within the framework of personal data
transfers to third countries or international organisations under the terms referred
to in point (e) of Article 46(2). Such controllers or processors shall make binding
and enforceable commitments, via contractual or other legally binding instruments,
to apply those appropriate safeguards including with regard to the rights of data
subjects.
4.A code of conduct referred to in paragraph 2 of this Article shall contain mechanisms
which enable the body referred to in Article 41(1) to carry out the mandatory
monitoring of compliance with its provisions by the controllers or processors
which undertake to apply it, without prejudice to the tasks and powers of supervisory
authorities competent pursuant to Article 55 or 56
5.Associations and other bodies referred to in paragraph 2 of this Article which
intend to prepare a code of conduct or to amend or extend an existing code shall
submit the draft code, amendment or extension to the supervisory authority which
is competent pursuant to Article 55. The supervisory authority shall provide an
opinion on whether the draft code, amendment or extension complies with this Regulation
and shall approve that draft code, amendment or extension if it finds that it
provides sufficient appropriate safeguards.
6.Where the draft code, or amendment or extension is approved in accordance with
paragraph 5, and where the code of conduct concerned does not relate to processing
activities in several Member States, the supervisory authority shall register
and publish the code.
7.Where a draft code of conduct relates to processing activities in several Member
States, the supervisory authority which is competent pursuant to Article 55 shall,
before approving the draft code, amendment or extension, submit it in the procedure
referred to in Article 63 to the Board which shall provide an opinion on whether
the draft code, amendment or extension complies with this Regulation or, in the
situation referred to in paragraph 3 of this Article, provides appropriate safeguards.
8.Where the opinion referred to in paragraph 7 confirms that the draft code, amendment
or extension complies with this Regulation, or, in the situation referred to in
paragraph 3, provides appropriate safeguards, the Board shall submit its opinion
to the Commission.
9.The Commission may, by way of implementing acts, decide that the approved code
of conduct, amendment or extension submitted to it pursuant to paragraph 8 of
this Article have general validity within the Union. Those implementing acts shall
be adopted in accordance with the examination procedure set out in Article 93(2)
10.The Commission shall ensure appropriate publicity for the approved codes which
have been decided as having general validity in accordance with paragraph
11.The Board shall collate all approved codes of conduct, amendments and extensions
in a register and shall make them publicly available by way of appropriate means.'
- A group of undertakings, or a group of enterprises engaged in a joint economic
activity, should be able to make use of approved binding corporate rules for its
international transfers from the Union to organisations within the same group
of undertakings, or group of enterprises engaged in a joint economic activity,
provided that such corporate rules include all essential principles and enforceable
rights to ensure appropriate safeguards for transfers or categories of transfers
of personal data.
- source_sentence: When was the Regulation intended to contribute to the accomplishment
of an area of freedom, security and justice?
sentences:
- "1.This Regulation applies to the processing of personal data in the context of\
\ the activities of an establishment of a controller or a processor in the Union,\
\ regardless of whether the processing takes place in the Union or not. 4.5.2016\
\ L 119/32 \n2.This Regulation applies to the processing of personal data of\
\ data subjects who are in the Union by a controller or processor not established\
\ in the Union, where the processing activities are related to: (a) the offering\
\ of goods or services, irrespective of whether a payment of the data subject\
\ is required, to such data subjects in the Union; or (b) the monitoring of their\
\ behaviour as far as their behaviour takes place within the Union.\n3.This Regulation\
\ applies to the processing of personal data by a controller not established in\
\ the Union, but in a place where Member State law applies by virtue of public\
\ international law."
- The principles of, and rules on the protection of natural persons with regard
to the processing of their personal data should, whatever their nationality or
residence, respect their fundamental rights and freedoms, in particular their
right to the protection of personal data. This Regulation is intended to contribute
to the accomplishment of an area of freedom, security and justice and of an economic
union, to economic and social progress, to the strengthening and the convergence
of the economies within the internal market, and to the well-being of natural
persons.
- "**Court (Civil/Criminal): Civil \nProvisions: \nTime of commission of the act:\
\ \nOutcome (not guilty, guilty): Rejects the lawsuit. \nReasoning: \nFacts:\
\ The plaintiff holds account number ....................... at the defendant\
\ bank. Following the application/contract dated January 9, 2019, the plaintiff\
\ became a subscriber to the alternative service networks provided by the defendant\
\ bank through online banking (.........................). In the aforementioned\
\ application, the plaintiff stated that her mobile phone (number .................)\
\ would be used by the defendant to send additional security codes for the approval\
\ of her transactions via .......................... It is noted that the plaintiff\
\ received subscriber code .................., thus enabling her to conduct transactions\
\ without her physical presence at the branches of the defendant bank, from fixed\
\ or mobile devices (computers, smartphones, tablets), by entering her username\
\ and password to access her personal account. Regarding the identification methods,\
\ these were agreed upon between the parties and are specified depending on the\
\ payment method used. More specifically, the plaintiff had installed the application\
\ ...................................... on her mobile phone. According to the\
\ terms of the above contract between the parties, the defendant bank (to ensure\
\ the protection of its customers in using this application) requires three stages\
\ of identification: 1) the input of the customer's personal codes (username and\
\ password) in the application .........................., 2) the input of a six-digit\
\ code (...................) sent via SMS to the mobile number provided by the\
\ customer, to complete the login to ............................. and 3) the\
\ input of a new six-digit code (.................) sent in a new SMS to the mobile\
\ number provided by the customer, to authenticate the device on which the aforementioned\
\ application is installed (usually a mobile phone). \n\nFurthermore, it was established\
\ that on October 4, 2021, at 00:07, the plaintiff received a text message (SMS)\
\ on her mobile phone (number ...................) with the following content:\
\ \".................................\", i.e., \"..........: a payment was attempted\
\ from a new device. If this was not you, please visit...\", providing the above\
\ link. As she acknowledges in her lawsuit, she followed the link that was sent\
\ to her via SMS and entered her login credentials (i.e., username and password)\
\ on the (fake) page she was redirected to. Thus, the perpetrators acquired the\
\ plaintiff's personal information and subsequently entered it into the application\
\ ........................... that they had installed on their own mobile phone.\
\ Following this, to complete the second stage of the process, as described above,\
\ the defendant bank sent the aforementioned date and time of 00:14, a security\
\ code to the plaintiff's mobile phone via SMS, with the content \".................................`.\"\
\ Subsequently, the defendant sent, at 00:17, another SMS to the plaintiff's mobile\
\ phone with the security code .................., containing the message \".........................................\"\
, to complete the third stage of identification. It is noted that the defendant\
\ sent another message to the plaintiff's mobile phone at 00:15, specifically\
\ \"..........................\", which was not used (perhaps because it was entered\
\ incorrectly by the plaintiff). It was later proven that the unknown perpetrators\
\ charged the plaintiff's account with a total amount of €2,800.00 and an equivalent\
\ credit to a bank account held similarly at the defendant bank, with the beneficiary\
\ being ............. The plaintiff contacted the defendant, submitting a dispute\
\ over the above transactions and simultaneously filed a complaint against any\
\ responsible party for the crimes of fraud and embezzlement. The defendant locked\
\ the plaintiff's subscription and provided her with new codes, warning her not\
\ to use the aforementioned application via her mobile phone unless she scanned\
\ it with updated antivirus/antispyware/malware software. Additionally, the defendant\
\ froze the account to which her money was transferred, which, as mentioned earlier,\
\ belongs to ................., who also stated that she fell victim to electronic\
\ fraud, being used by the aforementioned perpetrators as a front person. It was\
\ further established that the above-mentioned ......................... consented\
\ to the return to the plaintiff of the amount of €239.54, which remained in her\
\ account (as part of the aforementioned €2,800.00), while the plaintiff stated\
\ in a declaration that after the crediting of her account with the amount of\
\ €239.54, she has no further claims against the defendant regarding the above\
\ history. From the above proven facts, it was established that the plaintiff\
\ accessed the fraudulent page, entering her username and password and subsequently\
\ the codes ....., which were sent to her mobile phone by the defendant bank.\
\ Regarding the defendant, it was established that through its website ......................,\
\ through the login page to ................ and via messages to its subscribers,\
\ it informs them in detail about the risks of code interception and the protective\
\ measures they should take, while it also informs them with a special announcement\
\ about phishing. For this reason, the plaintiff's assertion that the perpetrators\
\ used one-time codes ......, violating the defendant's security systems, must\
\ be dismissed as unfounded. Therefore, since the defendant successfully identified\
\ the plaintiff's identity as well as her mobile phone without any indication\
\ of a breach of its electronic systems, the defendant is not liable for the plaintiff's\
\ loss from the transfer of funds to an unknown person's account, nor is it responsible\
\ for compensating that loss. Given these circumstances, the lawsuit must be dismissed\
\ as fundamentally unfounded.**"
- source_sentence: What is the date of the Official Journal of the European Union
mentioned?
sentences:
- "Court (Civil/Criminal): Criminal \nProvisions: Article 386 of the Penal Code\
\ \nTime of commission of the act: \nResult (innocent, guilty): \nReasoning:\
\ Conviction for computer fraud committed repeatedly and professionally with a\
\ total benefit and damage exceeding €30,000. According to the majority opinion,\
\ the charge is substantiated in both its objective and subjective aspects, and\
\ the defendant must be declared guilty of the aforementioned criminal acts of\
\ fraud by means of a computer, committed repeatedly by a perpetrator acting professionally,\
\ where the total financial benefit and corresponding damage exceed the amount\
\ of €30,000, as well as for repeated embezzlement.\n\nFacts: The defendant accessed\
\ a website using a computer, employing, without the knowledge and consent of\
\ the complainants, the access codes for the electronic management system of the\
\ bank accounts held by the complainants at a Bank, and transferred money through\
\ electronically transmitted orders from the complainants' accounts to her own\
\ account. Specifically, during the period from June 2007 to June 2008, after\
\ unlawfully acquiring the aforementioned STICK containing the access codes, she\
\ accessed a website maintained by ..., using, without the complainants' knowledge\
\ (without their consent or approval), the access codes for the electronic management\
\ system of the bank accounts held at the aforementioned Bank, transferring through\
\ electronically transmitted orders to the joint account number ... of the complainants\
\ from bank accounts numbered ..., ..., and ..., the total amount of €55,710,\
\ as detailed in the orders, and subsequently, using an ATM card, she gradually\
\ withdrew from the aforementioned account number ..., the total amount of €55,710,\
\ making 84 individual withdrawals from automatic teller machines. In addition,\
\ the defendant, during the period from June 2008 to November 2008, in the same\
\ exact manner (through the electronic management system of the bank accounts),\
\ transferred through electronically transmitted orders to account number ...,\
\ which she had opened at ..., from the complainants' bank accounts numbered ...,\
\ ..., ..., ..., and ..., the total amount of €73,942, as detailed in the orders\
\ regarding the transfers of these amounts. Furthermore, during the period from\
\ February 2008 to November 2008, through multiple acts constituting a continuation\
\ of the crime, although she had received from the first complainant ... the amounts\
\ of €695.04, €695.04, and €845.04, in order to pay his insurance contributions\
\ to O.A.E.E. for the periods of January-February 2008, May-June 2008, and September-October\
\ 2008, as well as the amounts of €250 and €280, in order to settle credit card\
\ bills for \"...\", respectively, and from the second complainant ... she received\
\ the amounts of €283.64, €419.26, and €385.38, to pay the latter's insurance\
\ contributions to O.A.E.E. for the periods of July-August 2007, May-June 2008,\
\ September-October 2008, and November-December 2008, as well as the amount of\
\ €1,888.03 for the settlement of VAT, she never paid the above amounts to settle\
\ the aforementioned obligations, nor did she return them to the complainants,\
\ despite being urged to do so, but incorporated them into her assets and wrongfully\
\ appropriated them. The defendant denies the charges against her and claims that\
\ the withdrawals were made by the second complainant and that all the amounts\
\ transferred to her account were transferred to cover the company's expenses\
\ and their personal expenses, due to her cohabitation with the second complainant\
\ and with his knowledge, with whom she intended to marry. However, this claim\
\ is not supported by any evidence; on the contrary, it emerged that she conducted\
\ the transfers of the money and withdrawals without the complainants' knowledge,\
\ and when she learned that they had been informed about the account movements\
\ and met at the Bank, her behavior and demeanor indicated guilt, according to\
\ the testimony of the prosecution witness ..., an employee of the Pangrati branch\
\ of ..., who saw her on the same day at the aforementioned Bank when she met\
\ with the complainants. The ongoing act of fraud using a computer was committed\
\ by the defendant professionally, as evidenced by her repeated commission of\
\ the act, as well as the infrastructure she had established with the intent of\
\ repeated commission, based on a specific plan and methodology (transferring\
\ smaller amounts to a joint account of the complainants from the remaining accounts\
\ of the latter, and then withdrawing the transferred amounts with an ATM card,\
\ as well as directly transferring smaller amounts from the complainants' accounts\
\ to her personal account she had opened at the same bank), indicating her purpose\
\ to generate income, with the financial benefit she gained, corresponding to\
\ the complainants' damage, exceeding a total of €30,000."
- '1.Without prejudice to the tasks and powers of the competent supervisory authority
under Articles 57 and 58, the monitoring of compliance with a code of conduct
pursuant to Article 40 may be carried out by a body which has an appropriate level
of expertise in relation to the subject-matter of the code and is accredited for
that purpose by the competent supervisory authority.
2.A body as referred to in paragraph 1 may be accredited to monitor compliance
with a code of conduct where that body has: (a) demonstrated its independence
and expertise in relation to the subject-matter of the code to the satisfaction
of the competent supervisory authority; (b) established procedures which allow
it to assess the eligibility of controllers and processors concerned to apply
the code, to monitor their compliance with its provisions and to periodically
review its operation; (c) established procedures and structures to handle complaints
about infringements of the code or the manner in which the code has been, or is
being, implemented by a controller or processor, and to make those procedures
and structures transparent to data subjects and the public; and (d) demonstrated
to the satisfaction of the competent supervisory authority that its tasks and
duties do not result in a conflict of interests.
3.The competent supervisory authority shall submit the draft criteria for accreditation
of a body as referred to in paragraph 1 of this Article to the Board pursuant
to the consistency mechanism referred to in Article 63
4.Without prejudice to the tasks and powers of the competent supervisory authority
and the provisions of Chapter VIII, a body as referred to in paragraph 1 of this
Article shall, subject to appropriate safeguards, take appropriate action in cases
of infringement of the code by a controller or processor, including suspension
or exclusion of the controller or processor concerned from the code. It shall
inform the competent supervisory authority of such actions and the reasons for
taking them.
5.The competent supervisory authority shall revoke the accreditation of a body
as referred to in paragraph 1 if the conditions for accreditation are not, or
are no longer, met or where actions taken by the body infringe this Regulation.
6.This Article shall not apply to processing carried out by public authorities
and bodies.'
- In order to create incentives to apply pseudonymisation when processing personal
data, measures of pseudonymisation should, whilst allowing general analysis, be
possible within the same controller when that controller has taken technical and
organisational measures necessary to ensure, for the processing concerned, that
this Regulation is implemented, and that additional information for attributing
the personal data to a specific data subject is kept separately. The controller
processing the personal data should indicate the authorised persons within the
same controller. 4.5.2016 L 119/5 Official Journal of the European Union EN
- source_sentence: What restriction applies to the amount of personal data processed?
sentences:
- '1.Personal data shall be: (a) processed lawfully, fairly and in a transparent
manner in relation to the data subject (‘lawfulness, fairness and transparency’);
(b) collected for specified, explicit and legitimate purposes and not further
processed in a manner that is incompatible with those purposes; further processing
for archiving purposes in the public interest, scientific or historical research
purposes or statistical purposes shall, in accordance with Article 89(1), not
be considered to be incompatible with the initial purposes (‘purpose limitation’);
(c) adequate, relevant and limited to what is necessary in relation to the purposes
for which they are processed (‘data minimisation’); (d) accurate and, where necessary,
kept up to date; every reasonable step must be taken to ensure that personal data
that are inaccurate, having regard to the purposes for which they are processed,
are erased or rectified without delay (‘accuracy’); 4.5.2016 L 119/35 (1) Directive
(EU) 2015/1535 of the European Parliament and of the Council of 9 September 2015
laying down a procedure for the provision of information in the field of technical
regulations and of rules on Information Society services (OJ L 241, 17.9.2015,
p. 1). (e) kept in a form which permits identification of data subjects for no
longer than is necessary for the purposes for which the personal data are processed;
personal data may be stored for longer periods insofar as the personal data will
be processed solely for archiving purposes in the public interest, scientific
or historical research purposes or statistical purposes in accordance with Article
89(1) subject to implementation of the appropriate technical and organisational
measures required by this Regulation in order to safeguard the rights and freedoms
of the data subject (‘storage limitation’); (f) processed in a manner that ensures
appropriate security of the personal data, including protection against unauthorised
or unlawful processing and against accidental loss, destruction or damage, using
appropriate technical or organisational measures (‘integrity and confidentiality’).
2.The controller shall be responsible for, and be able to demonstrate compliance
with, paragraph 1 (‘accountability’).'
- Any processing of personal data should be lawful and fair. It should be transparent
to natural persons that personal data concerning them are collected, used, consulted
or otherwise processed and to what extent the personal data are or will be processed.
The principle of transparency requires that any information and communication
relating to the processing of those personal data be easily accessible and easy
to understand, and that clear and plain language be used. That principle concerns,
in particular, information to the data subjects on the identity of the controller
and the purposes of the processing and further information to ensure fair and
transparent processing in respect of the natural persons concerned and their right
to obtain confirmation and communication of personal data concerning them which
are being processed. Natural persons should be made aware of risks, rules, safeguards
and rights in relation to the processing of personal data and how to exercise
their rights in relation to such processing. In particular, the specific purposes
for which personal data are processed should be explicit and legitimate and determined
at the time of the collection of the personal data. The personal data should be
adequate, relevant and limited to what is necessary for the purposes for which
they are processed. This requires, in particular, ensuring that the period for
which the personal data are stored is limited to a strict minimum. Personal data
should be processed only if the purpose of the processing could not reasonably
be fulfilled by other means. In order to ensure that the personal data are not
kept longer than necessary, time limits should be established by the controller
for erasure or for a periodic review. Every reasonable step should be taken to
ensure that personal data which are inaccurate are rectified or deleted. Personal
data should be processed in a manner that ensures appropriate security and confidentiality
of the personal data, including for preventing unauthorised access to or use of
personal data and the equipment used for the processing.
- "**Court (Civil/Criminal): Criminal** \n**Provisions:** \n**Time of commission\
\ of the act:** \n**Outcome (not guilty, guilty):** Guilty \n**Reasoning:**\
\ Conviction for money laundering from criminal activity as a profession. Bank\
\ fraud using electronic means as the primary crime. The location of the fraud\
\ is the USA. \n**Facts:** Illegal electronic money transfer order (remittance)\
\ from a third party (non-existent beneficiary of a foreign bank account) to the\
\ account of the perpetrator (legal representative of a company) in Greece. Criminal\
\ Procedure. \nIntervention of a third party - a non-party and beneficiary of\
\ the funds, namely the subject of the crime. Civil claim presented by the foreign\
\ bank for monetary compensation due to moral damage. Awarding monetary compensation\
\ to the civil claimant. Intervention of a third party, specifically an insurance\
\ company (providing security to the foreign bank, among other things, for the\
\ bank's civil liability to its depositors due to the electronic transfer of their\
\ remittances to third parties, either natural or legal entities) as the primary\
\ and beneficiary of the funds from the main crime of fraud. Compensation of the\
\ bank's clients by the bank and, subsequently, receipt of this amount from the\
\ insurance company. Insurance subrogation, specifically the subrogation of the\
\ insurance company to the rights and obligations of the bank. Request from the\
\ third party for the lifting of the freeze on the bank account and the return\
\ of the frozen funds. Accepts the intervention of the insurance company. Orders\
\ the lifting of the freeze from the account and the return of the amount to the\
\ intervening company. Independent claims of the defendant. Claim regarding the\
\ lifting of the criminal liability, due to the absence of criminal prosecution\
\ in America within the legal period of 3 years. The independent claim is rejected,\
\ as the provisions regarding the deadline for the initiation of criminal proceedings,\
\ according to the Greek Institute of International and Foreign Law, do not apply\
\ while the perpetrator is evading arrest. Imposition of a 10-year prison sentence\
\ and deprivation of civil rights for 3 years. Orders lifelong expulsion from\
\ the country after the complete serving of the sentence. No suspensive effect\
\ of the defendant's appeal."
- source_sentence: What action was the plaintiff urged to complete within the next
24 hours?
sentences:
- '**Court (Civil/Criminal): Civil**
**Provisions:**
**Time of commission of the act:**
**Outcome (not guilty, guilty):**
**Rationale:**
**Facts:**
The plaintiff holds credit card number ............ with the defendant banking
corporation. Based on the application for alternative networks dated 19/7/2015
with number ......... submitted at a branch of the defendant, he was granted access
to the electronic banking service (e-banking) to conduct banking transactions
(debit, credit, updates, payments) remotely. On 30/11/2020, the plaintiff fell
victim to electronic fraud through the "phishing" method, whereby an unknown perpetrator
managed to withdraw a total amount of €3,121.75 from the aforementioned credit
card. Specifically, the plaintiff received an email at 1:35 PM on 29/11/2020 from
sender ...... with address ........, informing him that due to an impending system
change, he needed to verify the mobile phone number linked to the credit card,
urging him to complete the verification process within the next 24 hours by following
a link titled ........; otherwise, his account would be locked for security reasons.
The plaintiff read this email on the afternoon of 30 November 2020 and, believing
it was from the defendant, followed the instructions and proceeded via the provided
link to a website that was identical (a clone) to that of the defendant. On this
page, he was asked to enter the six-digit security code (.........) that had just
been sent to his mobile phone by the defendant at 3:41 PM, with the note that
it was an activation code for his ........ card at ........., which he entered.
Subsequently, the plaintiff received, according to his statements, a new email
(not submitted), which requested him to enter the details of the aforementioned
credit card, specifically the name of the cardholder and the card number, not
the PIN, which he also entered, convinced that he was within the online environment
of the defendant. Then, at 3:47 PM, he received a message on his mobile phone
from the defendant containing the exact same content as the one he received at
3:41 PM, while at 3:50 PM he received a message stating that the activation of
his ......... card at ....... had been completed. Once the plaintiff read this,
he became concerned that something was not right, and immediately called (at 4:41
PM) the defendant''s call center to inform them. There, the employees, with whom
he finally connected at 5:04 PM due to high call center volume, advised him to
delete the relevant emails, cancel his credit card, change his access passwords
for the service, and submit a dispute request regarding the conducted transactions.
The plaintiff electronically sent this request to the defendant, disputing the
detailed transactions amounting to €3,121.75, which were conducted on 30/11/2020
during the time frame of 16:37:45-16:43:34 PM, arguing that he had neither performed
them himself nor authorized anyone else to do so. The plaintiff specifically disputed
the following transactions, as evidenced by the account activity of the disputed
credit card during the aforementioned timeframe: a) transaction number .........
amounting to €150.62 conducted on 30/11/2020 at 4:43:34 PM, b) transaction number
........ amounting to €293.20 conducted on 30/11/2020 at 4:42:40 PM, c) transaction
number ............ amounting to €295.21 conducted on 30/11/2020 at 4:42:10 PM,
d) transaction number .......... amounting to €299.22 conducted on 30/11/2020
at 4:41:31 PM, e) transaction number ........ amounting to €297.21 conducted on
30/11/2020 at 4:41:01 PM, f) transaction number ........ amounting to €299.22
conducted on 30/11/2020 at 4:40:27 PM, g) transaction number ....... amounting
to €299.22 conducted on 30/11/2020 at 4:39:55 PM, h) transaction number ......
amounting to €299.22 conducted on 30/11/2020 at 4:39:22 PM, i) transaction number
......... amounting to €297.22 conducted on 30/11/2020 at 4:38:52 PM, j) transaction
number ......... amounting to €295.21 conducted on 30/11/2020 at 4:38:17 PM, and
k) transaction number ......... amounting to €296.21 conducted on 30/11/2020 at
4:37:45 PM. In its response letter dated 21/12/2020, the defendant denied responsibility
for the costs of the aforementioned transactions, placing the entire blame on
the plaintiff for the leak of his card details and security code to the fraudulent
page. The plaintiff, completely denying any fault for the conducted transactions,
repeatedly contacted the defendant, both by phone and via email (see emails dated
15/1/2021 and 11/2/2021), while on 2/3/2021, he electronically sent a report dated
1/03/2021 to the Consumer Advocate’s email address, recounting the events and
requesting that the aforementioned Independent Authority intervene to have the
disputed debt canceled. In its letter with reference number ...../27.04.2021,
the aforementioned Independent Authority informed the plaintiff that the case
was outside its mediating role and was therefore archived. Subsequently, the plaintiff
sent the defendant on 5/3/2021 his extrajudicial statement dated 4/3/2021, calling
upon it to fully cancel the debt of €3,121.75 that had been unjustly incurred
against him within two days and to immediately instruct the representatives of
the collection agency working with it to cease contacting him regarding the disputed
case. The defendant sent the plaintiff a message on his mobile phone on 20/04/2021
informing him that his case was still being processed due to lengthy operational
requirements, while on 23/04/2021, via email, it informed him that considering
their good cooperation and his efforts to keep them updated, it had reviewed his
case and decided to refund him the amounts of the transactions that were conducted
after his contact with their representatives on 30/11/2020 at 4:41 PM, totaling
€1,038.25, specifically the following: a) transaction of €150.62 conducted on
30/11/2020 at 4:43 PM, b) transaction of €295.21 conducted on 30/11/2020 at 4:42
PM, c) transaction of €293.20 conducted on 30/11/2020 at 4:42 PM, and d) transaction
of €299.22 conducted on 30/11/2020 at 4:41 PM. Beyond this, the defendant refused
to refund the plaintiff the amount of the remaining transactions conducted on
30/11/2020, totaling €2,376.08 (and not €2,376.48 as incorrectly stated by the
plaintiff in his lawsuit), which the plaintiff ultimately fully paid, transferring
€2,342.77 to the defendant on 7/06/2021 and €33.31 on 15/06/2021 (see related
deposit receipts).'
- '1.Without prejudice to other tasks set out under this Regulation, each supervisory
authority shall on its territory: (a) monitor and enforce the application of
this Regulation; (b) promote public awareness and understanding of the risks,
rules, safeguards and rights in relation to processing. Activities addressed specifically
to children shall receive specific attention; (c) advise, in accordance with
Member State law, the national parliament, the government, and other institutions
and bodies on legislative and administrative measures relating to the protection
of natural persons'' rights and freedoms with regard to processing; (d) promote
the awareness of controllers and processors of their obligations under this Regulation;
(e) upon request, provide information to any data subject concerning the exercise
of their rights under this Regulation and, if appropriate, cooperate with the
supervisory authorities in other Member States to that end; (f) handle complaints
lodged by a data subject, or by a body, organisation or association in accordance
with Article 80, and investigate, to the extent appropriate, the subject matter
of the complaint and inform the complainant of the progress and the outcome of
the investigation within a reasonable period, in particular if further investigation
or coordination with another supervisory authority is necessary; (g) cooperate
with, including sharing information and provide mutual assistance to, other supervisory
authorities with a view to ensuring the consistency of application and enforcement
of this Regulation; (h) conduct investigations on the application of this Regulation,
including on the basis of information received from another supervisory authority
or other public authority; (i) monitor relevant developments, insofar as they
have an impact on the protection of personal data, in particular the development
of information and communication technologies and commercial practices; (j) adopt
standard contractual clauses referred to in Article 28(8) and in point (d) of
Article 46(2); (k) establish and maintain a list in relation to the requirement
for data protection impact assessment pursuant to Article 35(4); (l) give advice
on the processing operations referred to in Article 36(2); (m) encourage the
drawing up of codes of conduct pursuant to Article 40(1) and provide an opinion
and approve such codes of conduct which provide sufficient safeguards, pursuant
to Article 40(5); (n) encourage the establishment of data protection certification
mechanisms and of data protection seals and marks pursuant to Article 42(1), and
approve the criteria of certification pursuant to Article 42(5); (o) where applicable,
carry out a periodic review of certifications issued in accordance with Article
42(7); 4.5.2016 L 119/68 (p) draft and publish the criteria for accreditation
of a body for monitoring codes of conduct pursuant to Article 41 and of a certification
body pursuant to Article 43; (q) conduct the accreditation of a body for monitoring
codes of conduct pursuant to Article 41 and of a certification body pursuant to
Article 43; (r) authorise contractual clauses and provisions referred to in Article
46(3); (s) approve binding corporate rules pursuant to Article 47; (t) contribute
to the activities of the Board; (u) keep internal records of infringements of
this Regulation and of measures taken in accordance with Article 58(2); and (v) fulfil
any other tasks related to the protection of personal data.
2.Each supervisory authority shall facilitate the submission of complaints referred
to in point (f) of paragraph 1 by measures such as a complaint submission form
which can also be completed electronically, without excluding other means of communication.
3.The performance of the tasks of each supervisory authority shall be free of
charge for the data subject and, where applicable, for the data protection officer.
4.Where requests are manifestly unfounded or excessive, in particular because
of their repetitive character, the supervisory authority may charge a reasonable
fee based on administrative costs, or refuse to act on the request. The supervisory
authority shall bear the burden of demonstrating the manifestly unfounded or excessive
character of the request.'
- '1.Where personal data have not been obtained from the data subject, the controller
shall provide the data subject with the following information: (a) the identity
and the contact details of the controller and, where applicable, of the controller''s
representative; (b) the contact details of the data protection officer, where
applicable; (c) the purposes of the processing for which the personal data are
intended as well as the legal basis for the processing; (d) the categories of
personal data concerned; (e) the recipients or categories of recipients of the
personal data, if any; 4.5.2016 L 119/41 (f) where applicable, that the controller
intends to transfer personal data to a recipient in a third country or international
organisation and the existence or absence of an adequacy decision by the Commission,
or in the case of transfers referred to in Article 46 or 47, or the second subparagraph
of Article 49(1), reference to the appropriate or suitable safeguards and the
means to obtain a copy of them or where they have been made available.
2.In addition to the information referred to in paragraph 1, the controller shall
provide the data subject with the following information necessary to ensure fair
and transparent processing in respect of the data subject: (a) the period for
which the personal data will be stored, or if that is not possible, the criteria
used to determine that period; (b) where the processing is based on point (f)
of Article 6(1), the legitimate interests pursued by the controller or by a third
party; (c) the existence of the right to request from the controller access to
and rectification or erasure of personal data or restriction of processing concerning
the data subject and to object to processing as well as the right to data portability;
(d) where processing is based on point (a) of Article 6(1) or point (a) of Article
9(2), the existence of the right to withdraw consent at any time, without affecting
the lawfulness of processing based on consent before its withdrawal; (e) the
right to lodge a complaint with a supervisory authority; (f) from which source
the personal data originate, and if applicable, whether it came from publicly
accessible sources; (g) the existence of automated decision-making, including
profiling, referred to in Article 22(1) and (4) and, at least in those cases,
meaningful information about the logic involved, as well as the significance and
the envisaged consequences of such processing for the data subject.
3.The controller shall provide the information referred to in paragraphs 1 and
2: (a) within a reasonable period after obtaining the personal data, but at the
latest within one month, having regard to the specific circumstances in which
the personal data are processed; (b) if the personal data are to be used for
communication with the data subject, at the latest at the time of the first communication
to that data subject; or (c) if a disclosure to another recipient is envisaged,
at the latest when the personal data are first disclosed.
4.Where the controller intends to further process the personal data for a purpose
other than that for which the personal data were obtained, the controller shall
provide the data subject prior to that further processing with information on
that other purpose and with any relevant further information as referred to in
paragraph 2
5.Paragraphs 1 to 4 shall not apply where and insofar as: (a) the data subject
already has the information; (b) the provision of such information proves impossible
or would involve a disproportionate effort, in particular for processing for archiving
purposes in the public interest, scientific or historical research purposes or
statistical purposes, subject to the conditions and safeguards referred to in
Article 89(1) or in so far as the obligation referred to in paragraph 1 of this
Article is likely to render impossible or seriously impair the achievement of
the objectives of that processing. In such cases the controller shall take appropriate
measures to protect the data subject''s rights and freedoms and legitimate interests,
including making the information publicly available; (c) obtaining or disclosure
is expressly laid down by Union or Member State law to which the controller is
subject and which provides appropriate measures to protect the data subject''s
legitimate interests; or (d) where the personal data must remain confidential
subject to an obligation of professional secrecy regulated by Union or Member
State law, including a statutory obligation of secrecy. 4.5.2016 L 119/42'
pipeline_tag: sentence-similarity
library_name: sentence-transformers
metrics:
- cosine_accuracy@1
- cosine_accuracy@3
- cosine_accuracy@5
- cosine_accuracy@10
- cosine_precision@1
- cosine_precision@3
- cosine_precision@5
- cosine_precision@10
- cosine_recall@1
- cosine_recall@3
- cosine_recall@5
- cosine_recall@10
- cosine_ndcg@10
- cosine_mrr@10
- cosine_map@100
model-index:
- name: modernbert_embed_base Finetuned on Data
results:
- task:
type: information-retrieval
name: Information Retrieval
dataset:
name: dim 768
type: dim_768
metrics:
- type: cosine_accuracy@1
value: 0.515970515970516
name: Cosine Accuracy@1
- type: cosine_accuracy@3
value: 0.5675675675675675
name: Cosine Accuracy@3
- type: cosine_accuracy@5
value: 0.5945945945945946
name: Cosine Accuracy@5
- type: cosine_accuracy@10
value: 0.6314496314496314
name: Cosine Accuracy@10
- type: cosine_precision@1
value: 0.515970515970516
name: Cosine Precision@1
- type: cosine_precision@3
value: 0.5069615069615069
name: Cosine Precision@3
- type: cosine_precision@5
value: 0.4810810810810811
name: Cosine Precision@5
- type: cosine_precision@10
value: 0.41990171990171987
name: Cosine Precision@10
- type: cosine_recall@1
value: 0.09222250249271509
name: Cosine Recall@1
- type: cosine_recall@3
value: 0.24131830337894114
name: Cosine Recall@3
- type: cosine_recall@5
value: 0.32843376342119
name: Cosine Recall@5
- type: cosine_recall@10
value: 0.4384109730265887
name: Cosine Recall@10
- type: cosine_ndcg@10
value: 0.5731083245176737
name: Cosine Ndcg@10
- type: cosine_mrr@10
value: 0.5448012948012949
name: Cosine Mrr@10
- type: cosine_map@100
value: 0.62134226097305
name: Cosine Map@100
- task:
type: information-retrieval
name: Information Retrieval
dataset:
name: dim 512
type: dim_512
metrics:
- type: cosine_accuracy@1
value: 0.5061425061425061
name: Cosine Accuracy@1
- type: cosine_accuracy@3
value: 0.5454545454545454
name: Cosine Accuracy@3
- type: cosine_accuracy@5
value: 0.5847665847665847
name: Cosine Accuracy@5
- type: cosine_accuracy@10
value: 0.6240786240786241
name: Cosine Accuracy@10
- type: cosine_precision@1
value: 0.5061425061425061
name: Cosine Precision@1
- type: cosine_precision@3
value: 0.4922194922194922
name: Cosine Precision@3
- type: cosine_precision@5
value: 0.4678132678132678
name: Cosine Precision@5
- type: cosine_precision@10
value: 0.4100737100737101
name: Cosine Precision@10
- type: cosine_recall@1
value: 0.09254312025038411
name: Cosine Recall@1
- type: cosine_recall@3
value: 0.23505276731248995
name: Cosine Recall@3
- type: cosine_recall@5
value: 0.32115776460787704
name: Cosine Recall@5
- type: cosine_recall@10
value: 0.43125363140039286
name: Cosine Recall@10
- type: cosine_ndcg@10
value: 0.562063599044297
name: Cosine Ndcg@10
- type: cosine_mrr@10
value: 0.5338169338169338
name: Cosine Mrr@10
- type: cosine_map@100
value: 0.6106843063225947
name: Cosine Map@100
- task:
type: information-retrieval
name: Information Retrieval
dataset:
name: dim 256
type: dim_256
metrics:
- type: cosine_accuracy@1
value: 0.4987714987714988
name: Cosine Accuracy@1
- type: cosine_accuracy@3
value: 0.5503685503685504
name: Cosine Accuracy@3
- type: cosine_accuracy@5
value: 0.5675675675675675
name: Cosine Accuracy@5
- type: cosine_accuracy@10
value: 0.5896805896805897
name: Cosine Accuracy@10
- type: cosine_precision@1
value: 0.4987714987714988
name: Cosine Precision@1
- type: cosine_precision@3
value: 0.48894348894348894
name: Cosine Precision@3
- type: cosine_precision@5
value: 0.4614250614250614
name: Cosine Precision@5
- type: cosine_precision@10
value: 0.39828009828009825
name: Cosine Precision@10
- type: cosine_recall@1
value: 0.09151564610770621
name: Cosine Recall@1
- type: cosine_recall@3
value: 0.23305522808140838
name: Cosine Recall@3
- type: cosine_recall@5
value: 0.3163318642921648
name: Cosine Recall@5
- type: cosine_recall@10
value: 0.42340190169053793
name: Cosine Recall@10
- type: cosine_ndcg@10
value: 0.548808809551761
name: Cosine Ndcg@10
- type: cosine_mrr@10
value: 0.5232342732342733
name: Cosine Mrr@10
- type: cosine_map@100
value: 0.6027731105356272
name: Cosine Map@100
- task:
type: information-retrieval
name: Information Retrieval
dataset:
name: dim 128
type: dim_128
metrics:
- type: cosine_accuracy@1
value: 0.4619164619164619
name: Cosine Accuracy@1
- type: cosine_accuracy@3
value: 0.5135135135135135
name: Cosine Accuracy@3
- type: cosine_accuracy@5
value: 0.5331695331695332
name: Cosine Accuracy@5
- type: cosine_accuracy@10
value: 0.5700245700245701
name: Cosine Accuracy@10
- type: cosine_precision@1
value: 0.4619164619164619
name: Cosine Precision@1
- type: cosine_precision@3
value: 0.4561834561834562
name: Cosine Precision@3
- type: cosine_precision@5
value: 0.42997542997543
name: Cosine Precision@5
- type: cosine_precision@10
value: 0.3764127764127764
name: Cosine Precision@10
- type: cosine_recall@1
value: 0.08322036542606188
name: Cosine Recall@1
- type: cosine_recall@3
value: 0.21423574124076167
name: Cosine Recall@3
- type: cosine_recall@5
value: 0.29035499254726793
name: Cosine Recall@5
- type: cosine_recall@10
value: 0.3925224035919075
name: Cosine Recall@10
- type: cosine_ndcg@10
value: 0.515312205174379
name: Cosine Ndcg@10
- type: cosine_mrr@10
value: 0.48871046371046367
name: Cosine Mrr@10
- type: cosine_map@100
value: 0.5673270865883646
name: Cosine Map@100
- task:
type: information-retrieval
name: Information Retrieval
dataset:
name: dim 64
type: dim_64
metrics:
- type: cosine_accuracy@1
value: 0.4201474201474201
name: Cosine Accuracy@1
- type: cosine_accuracy@3
value: 0.45454545454545453
name: Cosine Accuracy@3
- type: cosine_accuracy@5
value: 0.47665847665847666
name: Cosine Accuracy@5
- type: cosine_accuracy@10
value: 0.5061425061425061
name: Cosine Accuracy@10
- type: cosine_precision@1
value: 0.4201474201474201
name: Cosine Precision@1
- type: cosine_precision@3
value: 0.4103194103194103
name: Cosine Precision@3
- type: cosine_precision@5
value: 0.3857493857493858
name: Cosine Precision@5
- type: cosine_precision@10
value: 0.3383292383292383
name: Cosine Precision@10
- type: cosine_recall@1
value: 0.07519707490277137
name: Cosine Recall@1
- type: cosine_recall@3
value: 0.1897854764025658
name: Cosine Recall@3
- type: cosine_recall@5
value: 0.25337663940512173
name: Cosine Recall@5
- type: cosine_recall@10
value: 0.3453812424382071
name: Cosine Recall@10
- type: cosine_ndcg@10
value: 0.46144253459547774
name: Cosine Ndcg@10
- type: cosine_mrr@10
value: 0.4411089661089661
name: Cosine Mrr@10
- type: cosine_map@100
value: 0.511857180644301
name: Cosine Map@100
---
# modernbert_embed_base Finetuned on Data
This is a [sentence-transformers](https://www.SBERT.net) model finetuned from [nomic-ai/modernbert-embed-base](https://huggingface.co/nomic-ai/modernbert-embed-base). It maps sentences & paragraphs to a 768-dimensional dense vector space and can be used for semantic textual similarity, semantic search, paraphrase mining, text classification, clustering, and more.
## Model Details
### Model Description
- **Model Type:** Sentence Transformer
- **Base model:** [nomic-ai/modernbert-embed-base](https://huggingface.co/nomic-ai/modernbert-embed-base)
- **Maximum Sequence Length:** 8192 tokens
- **Output Dimensionality:** 768 dimensions
- **Similarity Function:** Cosine Similarity
- **Language:** en
- **License:** apache-2.0
### Model Sources
- **Documentation:** [Sentence Transformers Documentation](https://sbert.net)
- **Repository:** [Sentence Transformers on GitHub](https://github.com/huggingface/sentence-transformers)
- **Hugging Face:** [Sentence Transformers on Hugging Face](https://huggingface.co/models?library=sentence-transformers)
### Full Model Architecture
```
SentenceTransformer(
(0): Transformer({'max_seq_length': 8192, 'do_lower_case': False, 'architecture': 'ModernBertModel'})
(1): Pooling({'word_embedding_dimension': 768, 'pooling_mode_cls_token': False, 'pooling_mode_mean_tokens': True, 'pooling_mode_max_tokens': False, 'pooling_mode_mean_sqrt_len_tokens': False, 'pooling_mode_weightedmean_tokens': False, 'pooling_mode_lasttoken': False, 'include_prompt': True})
(2): Normalize()
)
```
## Usage
### Direct Usage (Sentence Transformers)
First install the Sentence Transformers library:
```bash
pip install -U sentence-transformers
```
Then you can load this model and run inference.
```python
from sentence_transformers import SentenceTransformer
# Download from the 🤗 Hub
model = SentenceTransformer("sentence_transformers_model_id")
# Run inference
sentences = [
'What action was the plaintiff urged to complete within the next 24 hours?',
'**Court (Civil/Criminal): Civil**\n\n**Provisions:**\n\n**Time of commission of the act:**\n\n**Outcome (not guilty, guilty):**\n\n**Rationale:**\n\n**Facts:**\nThe plaintiff holds credit card number ............ with the defendant banking corporation. Based on the application for alternative networks dated 19/7/2015 with number ......... submitted at a branch of the defendant, he was granted access to the electronic banking service (e-banking) to conduct banking transactions (debit, credit, updates, payments) remotely. On 30/11/2020, the plaintiff fell victim to electronic fraud through the "phishing" method, whereby an unknown perpetrator managed to withdraw a total amount of €3,121.75 from the aforementioned credit card. Specifically, the plaintiff received an email at 1:35 PM on 29/11/2020 from sender ...... with address ........, informing him that due to an impending system change, he needed to verify the mobile phone number linked to the credit card, urging him to complete the verification process within the next 24 hours by following a link titled ........; otherwise, his account would be locked for security reasons. The plaintiff read this email on the afternoon of 30 November 2020 and, believing it was from the defendant, followed the instructions and proceeded via the provided link to a website that was identical (a clone) to that of the defendant. On this page, he was asked to enter the six-digit security code (.........) that had just been sent to his mobile phone by the defendant at 3:41 PM, with the note that it was an activation code for his ........ card at ........., which he entered.\n\nSubsequently, the plaintiff received, according to his statements, a new email (not submitted), which requested him to enter the details of the aforementioned credit card, specifically the name of the cardholder and the card number, not the PIN, which he also entered, convinced that he was within the online environment of the defendant. Then, at 3:47 PM, he received a message on his mobile phone from the defendant containing the exact same content as the one he received at 3:41 PM, while at 3:50 PM he received a message stating that the activation of his ......... card at ....... had been completed. Once the plaintiff read this, he became concerned that something was not right, and immediately called (at 4:41 PM) the defendant\'s call center to inform them. There, the employees, with whom he finally connected at 5:04 PM due to high call center volume, advised him to delete the relevant emails, cancel his credit card, change his access passwords for the service, and submit a dispute request regarding the conducted transactions. The plaintiff electronically sent this request to the defendant, disputing the detailed transactions amounting to €3,121.75, which were conducted on 30/11/2020 during the time frame of 16:37:45-16:43:34 PM, arguing that he had neither performed them himself nor authorized anyone else to do so. The plaintiff specifically disputed the following transactions, as evidenced by the account activity of the disputed credit card during the aforementioned timeframe: a) transaction number ......... amounting to €150.62 conducted on 30/11/2020 at 4:43:34 PM, b) transaction number ........ amounting to €293.20 conducted on 30/11/2020 at 4:42:40 PM, c) transaction number ............ amounting to €295.21 conducted on 30/11/2020 at 4:42:10 PM, d) transaction number .......... amounting to €299.22 conducted on 30/11/2020 at 4:41:31 PM, e) transaction number ........ amounting to €297.21 conducted on 30/11/2020 at 4:41:01 PM, f) transaction number ........ amounting to €299.22 conducted on 30/11/2020 at 4:40:27 PM, g) transaction number ....... amounting to €299.22 conducted on 30/11/2020 at 4:39:55 PM, h) transaction number ...... amounting to €299.22 conducted on 30/11/2020 at 4:39:22 PM, i) transaction number ......... amounting to €297.22 conducted on 30/11/2020 at 4:38:52 PM, j) transaction number ......... amounting to €295.21 conducted on 30/11/2020 at 4:38:17 PM, and k) transaction number ......... amounting to €296.21 conducted on 30/11/2020 at 4:37:45 PM. In its response letter dated 21/12/2020, the defendant denied responsibility for the costs of the aforementioned transactions, placing the entire blame on the plaintiff for the leak of his card details and security code to the fraudulent page. The plaintiff, completely denying any fault for the conducted transactions, repeatedly contacted the defendant, both by phone and via email (see emails dated 15/1/2021 and 11/2/2021), while on 2/3/2021, he electronically sent a report dated 1/03/2021 to the Consumer Advocate’s email address, recounting the events and requesting that the aforementioned Independent Authority intervene to have the disputed debt canceled. In its letter with reference number ...../27.04.2021, the aforementioned Independent Authority informed the plaintiff that the case was outside its mediating role and was therefore archived. Subsequently, the plaintiff sent the defendant on 5/3/2021 his extrajudicial statement dated 4/3/2021, calling upon it to fully cancel the debt of €3,121.75 that had been unjustly incurred against him within two days and to immediately instruct the representatives of the collection agency working with it to cease contacting him regarding the disputed case. The defendant sent the plaintiff a message on his mobile phone on 20/04/2021 informing him that his case was still being processed due to lengthy operational requirements, while on 23/04/2021, via email, it informed him that considering their good cooperation and his efforts to keep them updated, it had reviewed his case and decided to refund him the amounts of the transactions that were conducted after his contact with their representatives on 30/11/2020 at 4:41 PM, totaling €1,038.25, specifically the following: a) transaction of €150.62 conducted on 30/11/2020 at 4:43 PM, b) transaction of €295.21 conducted on 30/11/2020 at 4:42 PM, c) transaction of €293.20 conducted on 30/11/2020 at 4:42 PM, and d) transaction of €299.22 conducted on 30/11/2020 at 4:41 PM. Beyond this, the defendant refused to refund the plaintiff the amount of the remaining transactions conducted on 30/11/2020, totaling €2,376.08 (and not €2,376.48 as incorrectly stated by the plaintiff in his lawsuit), which the plaintiff ultimately fully paid, transferring €2,342.77 to the defendant on 7/06/2021 and €33.31 on 15/06/2021 (see related deposit receipts).',
"1.Without prejudice to other tasks set out under this Regulation, each supervisory authority shall on its territory: (a) monitor and enforce the application of this Regulation; (b) promote public awareness and understanding of the risks, rules, safeguards and rights in relation to processing. Activities addressed specifically to children shall receive specific attention; (c) advise, in accordance with Member State law, the national parliament, the government, and other institutions and bodies on legislative and administrative measures relating to the protection of natural persons' rights and freedoms with regard to processing; (d) promote the awareness of controllers and processors of their obligations under this Regulation; (e) upon request, provide information to any data subject concerning the exercise of their rights under this Regulation and, if appropriate, cooperate with the supervisory authorities in other Member States to that end; (f) handle complaints lodged by a data subject, or by a body, organisation or association in accordance with Article 80, and investigate, to the extent appropriate, the subject matter of the complaint and inform the complainant of the progress and the outcome of the investigation within a reasonable period, in particular if further investigation or coordination with another supervisory authority is necessary; (g) cooperate with, including sharing information and provide mutual assistance to, other supervisory authorities with a view to ensuring the consistency of application and enforcement of this Regulation; (h) conduct investigations on the application of this Regulation, including on the basis of information received from another supervisory authority or other public authority; (i) monitor relevant developments, insofar as they have an impact on the protection of personal data, in particular the development of information and communication technologies and commercial practices; (j) adopt standard contractual clauses referred to in Article 28(8) and in point (d) of Article 46(2); (k) establish and maintain a list in relation to the requirement for data protection impact assessment pursuant to Article 35(4); (l) give advice on the processing operations referred to in Article 36(2); (m) encourage the drawing up of codes of conduct pursuant to Article 40(1) and provide an opinion and approve such codes of conduct which provide sufficient safeguards, pursuant to Article 40(5); (n) encourage the establishment of data protection certification mechanisms and of data protection seals and marks pursuant to Article 42(1), and approve the criteria of certification pursuant to Article 42(5); (o) where applicable, carry out a periodic review of certifications issued in accordance with Article 42(7); 4.5.2016 L 119/68 (p) draft and publish the criteria for accreditation of a body for monitoring codes of conduct pursuant to Article 41 and of a certification body pursuant to Article 43; (q) conduct the accreditation of a body for monitoring codes of conduct pursuant to Article 41 and of a certification body pursuant to Article 43; (r) authorise contractual clauses and provisions referred to in Article 46(3); (s) approve binding corporate rules pursuant to Article 47; (t) contribute to the activities of the Board; (u) keep internal records of infringements of this Regulation and of measures taken in accordance with Article 58(2); and (v) fulfil any other tasks related to the protection of personal data.\n2.Each supervisory authority shall facilitate the submission of complaints referred to in point (f) of paragraph 1 by measures such as a complaint submission form which can also be completed electronically, without excluding other means of communication.\n3.The performance of the tasks of each supervisory authority shall be free of charge for the data subject and, where applicable, for the data protection officer.\n4.Where requests are manifestly unfounded or excessive, in particular because of their repetitive character, the supervisory authority may charge a reasonable fee based on administrative costs, or refuse to act on the request. The supervisory authority shall bear the burden of demonstrating the manifestly unfounded or excessive character of the request.",
]
embeddings = model.encode(sentences)
print(embeddings.shape)
# [3, 768]
# Get the similarity scores for the embeddings
similarities = model.similarity(embeddings, embeddings)
print(similarities)
# tensor([[ 1.0000, 0.3932, -0.0156],
# [ 0.3932, 1.0000, -0.0606],
# [-0.0156, -0.0606, 1.0000]])
```
## Evaluation
### Metrics
#### Information Retrieval
* Dataset: `dim_768`
* Evaluated with [InformationRetrievalEvaluator](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.InformationRetrievalEvaluator) with these parameters:
```json
{
"truncate_dim": 768
}
```
| Metric | Value |
|:--------------------|:-----------|
| cosine_accuracy@1 | 0.516 |
| cosine_accuracy@3 | 0.5676 |
| cosine_accuracy@5 | 0.5946 |
| cosine_accuracy@10 | 0.6314 |
| cosine_precision@1 | 0.516 |
| cosine_precision@3 | 0.507 |
| cosine_precision@5 | 0.4811 |
| cosine_precision@10 | 0.4199 |
| cosine_recall@1 | 0.0922 |
| cosine_recall@3 | 0.2413 |
| cosine_recall@5 | 0.3284 |
| cosine_recall@10 | 0.4384 |
| **cosine_ndcg@10** | **0.5731** |
| cosine_mrr@10 | 0.5448 |
| cosine_map@100 | 0.6213 |
#### Information Retrieval
* Dataset: `dim_512`
* Evaluated with [InformationRetrievalEvaluator](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.InformationRetrievalEvaluator) with these parameters:
```json
{
"truncate_dim": 512
}
```
| Metric | Value |
|:--------------------|:-----------|
| cosine_accuracy@1 | 0.5061 |
| cosine_accuracy@3 | 0.5455 |
| cosine_accuracy@5 | 0.5848 |
| cosine_accuracy@10 | 0.6241 |
| cosine_precision@1 | 0.5061 |
| cosine_precision@3 | 0.4922 |
| cosine_precision@5 | 0.4678 |
| cosine_precision@10 | 0.4101 |
| cosine_recall@1 | 0.0925 |
| cosine_recall@3 | 0.2351 |
| cosine_recall@5 | 0.3212 |
| cosine_recall@10 | 0.4313 |
| **cosine_ndcg@10** | **0.5621** |
| cosine_mrr@10 | 0.5338 |
| cosine_map@100 | 0.6107 |
#### Information Retrieval
* Dataset: `dim_256`
* Evaluated with [InformationRetrievalEvaluator](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.InformationRetrievalEvaluator) with these parameters:
```json
{
"truncate_dim": 256
}
```
| Metric | Value |
|:--------------------|:-----------|
| cosine_accuracy@1 | 0.4988 |
| cosine_accuracy@3 | 0.5504 |
| cosine_accuracy@5 | 0.5676 |
| cosine_accuracy@10 | 0.5897 |
| cosine_precision@1 | 0.4988 |
| cosine_precision@3 | 0.4889 |
| cosine_precision@5 | 0.4614 |
| cosine_precision@10 | 0.3983 |
| cosine_recall@1 | 0.0915 |
| cosine_recall@3 | 0.2331 |
| cosine_recall@5 | 0.3163 |
| cosine_recall@10 | 0.4234 |
| **cosine_ndcg@10** | **0.5488** |
| cosine_mrr@10 | 0.5232 |
| cosine_map@100 | 0.6028 |
#### Information Retrieval
* Dataset: `dim_128`
* Evaluated with [InformationRetrievalEvaluator](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.InformationRetrievalEvaluator) with these parameters:
```json
{
"truncate_dim": 128
}
```
| Metric | Value |
|:--------------------|:-----------|
| cosine_accuracy@1 | 0.4619 |
| cosine_accuracy@3 | 0.5135 |
| cosine_accuracy@5 | 0.5332 |
| cosine_accuracy@10 | 0.57 |
| cosine_precision@1 | 0.4619 |
| cosine_precision@3 | 0.4562 |
| cosine_precision@5 | 0.43 |
| cosine_precision@10 | 0.3764 |
| cosine_recall@1 | 0.0832 |
| cosine_recall@3 | 0.2142 |
| cosine_recall@5 | 0.2904 |
| cosine_recall@10 | 0.3925 |
| **cosine_ndcg@10** | **0.5153** |
| cosine_mrr@10 | 0.4887 |
| cosine_map@100 | 0.5673 |
#### Information Retrieval
* Dataset: `dim_64`
* Evaluated with [InformationRetrievalEvaluator](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.InformationRetrievalEvaluator) with these parameters:
```json
{
"truncate_dim": 64
}
```
| Metric | Value |
|:--------------------|:-----------|
| cosine_accuracy@1 | 0.4201 |
| cosine_accuracy@3 | 0.4545 |
| cosine_accuracy@5 | 0.4767 |
| cosine_accuracy@10 | 0.5061 |
| cosine_precision@1 | 0.4201 |
| cosine_precision@3 | 0.4103 |
| cosine_precision@5 | 0.3857 |
| cosine_precision@10 | 0.3383 |
| cosine_recall@1 | 0.0752 |
| cosine_recall@3 | 0.1898 |
| cosine_recall@5 | 0.2534 |
| cosine_recall@10 | 0.3454 |
| **cosine_ndcg@10** | **0.4614** |
| cosine_mrr@10 | 0.4411 |
| cosine_map@100 | 0.5119 |
## Training Details
### Training Dataset
#### Unnamed Dataset
* Size: 1,627 training samples
* Columns: anchor and positive
* Approximate statistics based on the first 1000 samples:
| | anchor | positive |
|:--------|:----------------------------------------------------------------------------------|:--------------------------------------------------------------------------------------|
| type | string | string |
| details |
What type of data processing triggers the obligations for entities with fewer than 250 employees? | 1.Each controller and, where applicable, the controller's representative, shall maintain a record of processing activities under its responsibility. That record shall contain all of the following information: (a) the name and contact details of the controller and, where applicable, the joint controller, the controller's representative and the data protection officer; (b) the purposes of the processing; (c) a description of the categories of data subjects and of the categories of personal data; 4.5.2016 L 119/50 (d) the categories of recipients to whom the personal data have been or will be disclosed including recipients in third countries or international organisations; (e) where applicable, transfers of personal data to a third country or an international organisation, including the identification of that third country or international organisation and, in the case of transfers referred to in the second subparagraph of Article 49(1), the documentation of suitable safeguards; (f) ... |
| For what purposes can the data subject object to data processing based on personal grounds? | 1.The data subject shall have the right to object, on grounds relating to his or her particular situation, at any time to processing of personal data concerning him or her which is based on point (e) or (f) of Article 6(1), including profiling based on those provisions. The controller shall no longer process the personal data unless the controller demonstrates compelling legitimate grounds for the processing which override the interests, rights and freedoms of the data subject or for the establishment, exercise or defence of legal claims.
2.Where personal data are processed for direct marketing purposes, the data subject shall have the right to object at any time to processing of personal data concerning him or her for such marketing, which includes profiling to the extent that it is related to such direct marketing.
3.Where the data subject objects to processing for direct marketing purposes, the personal data shall no longer be processed for such purposes. 4.5.2016 L 119/45
4.At th... |
| What should legally binding measures refer to? | In order to ensure consistent monitoring and enforcement of this Regulation throughout the Union, the supervisory authorities should have in each Member State the same tasks and effective powers, including powers of investigation, corrective powers and sanctions, and authorisation and advisory powers, in particular in cases of complaints from natural persons, and without prejudice to the powers of prosecutorial authorities under Member State law, to bring infringements of this Regulation to the attention of the judicial authorities and engage in legal proceedings. Such powers should also include the power to impose a temporary or definitive limitation, including a ban, on processing. Member States may specify other tasks related to the protection of personal data under this Regulation. The powers of supervisory authorities should be exercised in accordance with appropriate procedural safeguards set out in Union and Member State law, impartially, fairly and within a reasonable time. In ... |
* Loss: [MatryoshkaLoss](https://sbert.net/docs/package_reference/sentence_transformer/losses.html#matryoshkaloss) with these parameters:
```json
{
"loss": "MultipleNegativesRankingLoss",
"matryoshka_dims": [
768,
512,
256,
128,
64
],
"matryoshka_weights": [
1,
1,
1,
1,
1
],
"n_dims_per_step": -1
}
```
### Training Hyperparameters
#### Non-Default Hyperparameters
- `eval_strategy`: epoch
- `gradient_accumulation_steps`: 2
- `learning_rate`: 2e-05
- `num_train_epochs`: 10
- `lr_scheduler_type`: cosine
- `warmup_ratio`: 0.1
- `bf16`: True
- `tf32`: True
- `load_best_model_at_end`: True
- `optim`: adamw_torch_fused
- `batch_sampler`: no_duplicates
#### All Hyperparameters