Terms and Conditions

EUROMONEY INSTITUTIONAL INVESTOR PLC AND INSTITUTIONAL INVESTOR INC TERMS AND CONDITIONS

1 INTRODUCTION
1.1 These are the Terms and Conditions of service ("Terms") which govern the use of all web sites and related services owned or operated by Euromoney Institutional Investor plc ("Euromoney II") or Institutional Investor Inc ("Institutional Investor"). The offer to use the web sites and related services is conditional on your acceptance of these Terms. Use of the content, services, and/or products presented in any and all areas of any of these web sites constitutes your agreement to abide by the following Terms, as well as any additional terms and conditions that are posted on specific sites.
1.2 A list of those websites ("Sites") owned or operated by Euromoney II and Institutional Investor, respectively, are set out at the end of these Terms.
1.3 Please note:
1.3.1 Where you visit, register and/or subscribe to a Euromoney II Site, these Terms, to the maximum extent permissible under the law of the territory that you are located in, will be governed by English law and will operate as between Euromoney II and you.
1.3.2 Where you visit, register and/or subscribe to an Institutional Investor Site, these Terms, to the maximum extent permissible under the law of the territory that you are located in, will be governed by the laws of the State of New York City and where applicable, the laws of the United States of America, and will operate as between Institutional Investor and you.
1.4 Please read these Terms carefully. Each time you access a Site, these Terms will be applicable. These Terms may be amended in accordance with Clause 14 below. It is your responsibility to bring these Terms to the attention of anyone who may, through you, view material on a Site. If you have any questions regarding these terms with any of the Euromoney II Sites, please contact us at customerservices@EuromoneyPlc.com, and if you have any questions regarding these terms with any of the Institutional Investor sites, please contact us at customerservices@InstitutionalInvestor.com. If you do not wish to be bound by these Terms, do not use any of the Sites.
1.5 You may access a Site as follows:
(a) if you go through a registration process on that Site, as a registered user or;
(b) as a subscriber to our subscription services which we offer or may offer in the future; or
(c) by accessing the Site without registration or subscription under (a) or (b), (as a "visitor").
1.6 Some areas on a Site may only be available to registered users or paid subscribers.
1.7 A Site may be supported by sponsoring organisations and advertisers (the "Sponsors") whose names appear on the Site and whose own websites may be accessed by Internet links from that Site – see further Clause 10 below.
Please also see our privacy policy.
2 DEFINITIONS
2.1 "you/your" means (as appropriate), the visitor, registered user and/or subscriber accessing a Site or using a Service.
2.2 "we/us/our" means Euromoney II or Institutional Investor as appropriate in accordance with Clause 1.3 above.
2.3 "Services" means the on-line financial information and other services provided by us solely to registered users and/or subscribers, as described on the relevant Site when you register and/or subscribe in accordance with Clauses 5 to 8 below.
3 CONDITIONS OF USE AND INTELLECTUAL PROPERTY
3.1 All rights in the material on the Sites or provided as part of a Service (including without limitation any news sent by e-mail as part of a subscription service) (together the "Content") belong to us or our third party content providers and are protected by the copyright, trade marks, and/or other intellectual property laws of the UK, US and other countries. You agree to abide by all applicable copyright, intellectual property and other laws, as well as the terms of any additional copyright notices or restrictions contained on the Sites or in these Terms. We may license third parties to use the Content at our sole discretion.
3.2 You agree to use the Sites and the Content solely for your own personal use and benefit and not for resale or other transfer or disposition to any other person or entity. You further agree not to use, transfer, distribute or dispose of any Content in any manner that might compete with our business.
3.3 Subject to the above, you may retrieve and display Content on a computer screen, print individual pages on paper (but not photocopy them) and store such pages in electronic form on disc (but not on any server or other storage device connected to a network), but you may not reproduce, modify or exploit any of the Content for commercial purposes. You may use the "E-mail this story to a friend" option where the facility is available to email an article from the Site to other individuals without charge provided neither you nor such other individuals exploit the Content for commercial purposes.
3.4 The trade marks 'Euromoney Institutional Investor Plc' and 'Institutional Investor' are the property of those respective entities, other trade marks/logos appearing on the Sites are the property of their respective owners, and none of these marks may be used without the express prior written permission of the respective owners.
3.5 If it is brought to our attention that you have sold, published, distributed, retransmitted or otherwise provided access to any article(s) from the Content to anyone without our express prior written permission, we will invoice you for copyright abuse damages of US$1500 per article unless you can show that you have not breached any copyright, which will be payable immediately on receipt of the invoice. Any request for permission to republish, reprint or use for any other purpose any articles from any of the Sites or our trade marks should be sent to info@institutionalinvestor.com. Custom reprints are available either in print or electronic format and all queries should be sent to reprints@institutionalinvestor.com.
4 REPRESENTATIONS, WARRANTIES AND UNDERTAKINGS
4.1 You represent and warrant that: (a) you have the capacity to agree to these Terms; and (b) you are at least eighteen (18) years of age.
4.2 You undertake that: (a) you will not infringe the copyright or any other intellectual property or other rights in or relating to the Site or the Services or of any third party; (b) you will comply fully with the Terms; (c) you will not copy, reproduce, recompile, decompile, disassemble, reverse engineer, upload, download, transmit, create derivative works from or otherwise exploit the Site or any software which is proprietary to us or any of our third party licensors; (d) you will comply with the obligations set out in clause 8.2.
4.3 You are responsible for procuring the necessary equipment and the payment of telephone and other charges necessary to access the Site.
4.4 WITHOUT PREJUDICE TO THE LIMITATION OF LIABILITY PROVISIONS AT CLAUSE 12 BELOW, YOU AGREE THAT YOUR USE OF A SITE OR A SERVICE IS AT YOUR SOLE RISK AND ACKNOWLEDGE THAT ANY SITE AND/OR SERVICE AND ANYTHING CONTAINED THEREIN, INCLUDING, BUT NOT LIMITED TO, CONTENT, SERVICES, PRODUCTS OR ADVERTISEMENTS (THE "ITEMS") ARE PROVIDED "AS IS." THE ITEMS PUBLISHED ON THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE ITEMS HEREIN. WE AND/OR OUR SUPPLIERS MAKE NO REPRESENTATIONS AND, TO THE FULLEST EXTENT ALLOWED BY LAW, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, TITLE AND FITNESS FOR A PARTICULAR PURPOSE REGARDING THE SUITABILITY OF THE INFORMATION; THE ACCURACY, RELIABILITY, COMPLETENESS OR TIMELINESS OF THE CONTENT, SERVICES, PRODUCTS, TEXT, GRAPHICS, LINKS, OR OTHER ITEMS CONTAINED WITHIN THIS SITE, OR THE RESULTS OBTAINED FROM ACCESSING AND USING ANY SITE AND/OR THE ITEMS CONTAINED THEREIN. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT THE SITES, INCLUDING BULLETIN BOARDS OR THE SERVERS THAT MAKE THEM AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE USE OF ANY OF THE ITEMS WILL NOT INFRINGE THE INTELLECTUAL PROPERTY RIGHTS OF ANY THIRD PARTY. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION.
4.5 Subject to and without limitation upon Clause 4.4 and Clause 12.3, we will exercise reasonable skill and care in our provision of the Services, but from time to time faults may occur, in which case we will use reasonable efforts to repair them as soon as reasonably practicable.
4.6 We will endeavour to ensure all Items are priced correctly, however errors may occur. If such a pricing error is discovered, we reserve the right to give you the option of either cancelling your order or reconfirming at the correct price. Items sent for overseas delivery may be subject to import duties and taxes collected at the final destination. All sales or use taxes, import duties or additional customs charges are not our responsibility and must be borne entirely by you. We have no control over these charges and we expressly disclaim any responsibility or liability for them.
5 REGISTRATION
5.1 On registration, you must provide us with accurate and complete registration information and it is your responsibility to inform us of any changes to that information (including in particular your e-mail address) by using the Update your Details page in the Help Centre. Our contact details will be available on the applicable Site. If you do not provide accurate and complete registration information, we may not be able to provide the products or services that you request or that are suitable to you.
5.2 Each registration is for a single user only. On registration, you will be given a user name and password. We do not permit any of the following:
5.2.1 any other person sharing your user name and password;
5.2.2 access through a single name and password being made available to multiple users on a network.
5.3 Notwithstanding the restrictions in Clause 5.2 above, you are responsible for all use of any Site or Service made by you or anyone else using your user name and password and for preventing unauthorised use of your user name and password. If you believe there has been any breach of security such as the disclosure, theft or unauthorised use of your user name and password or any payment information, you must notify us immediately by e-mailing publisher@euromoney.com.
5.4 We reserve the right to access and monitor password-protected information including any information concerning your activities in relation to a Service or a Site or any Content in order to fulfill our obligations in these Terms and protect or comply with our legal rights and obligations.
6 CONTENT BY E-MAIL
6.1 We may give you the option to request Content by e-mail. We will also send you e-mails to keep you updated on Site developments. Your subscription to such an e-mail Service and your use of the Content received through these e-mail Services will be subject to these Terms. You can unsubscribe to our email Service by changing your e-mail options.
7 SUBSCRIPTION-BASED CONTENT AND SITE TRANSACTIONS
7.1 Subscription-based Content will be accessible on payment of certain charges. Further details as to Subscription Content and applicable charges can be found on the specific Sites for which subscription Services are available. All payments (including any applicable taxes) must be made by credit card and in any currency that we may specify. If we (or our designated agent) do not receive payment authorisation from your credit card clearing service, we may immediately suspend your use of the Site. You are responsible for the payment of all charges associated with the use of the Site using your user name and password.
7.2 If we terminate your use of any Site and/or Services in accordance with Clause 16 below, you will be entitled to receive a refund of any credits that remain unused at the time of termination (unless your use is terminated because you are in breach of these Terms). You will still be responsible for any fees or other charges incurred by you until the termination of your rights to use the Site and/or Services, as applicable.
7.3 The parts of the Sites showing products, Services or other services for purchase are intended as advertisements only and we or our Sponsors or any of our divisions are obliged to sell those products or services only if we or they accept your offer to buy. All advertised prices for such products or services are subject to change without notice. See further Clause 10 below.
8 INTERACTIVE SERVICES
8.1 A Site may contain bulletin boards, e-mail services, discussion groups and other public areas that allow interactivity between users and which allow feedback to be provided to us (together "Interactive Areas"). We do not control and are not responsible for the information and/or materials posted to Interactive Areas ("Posted Material") but we reserve the right without notice to you or any third party to delete, move or edit any Posted Material or part thereof. It is a condition of your access to the Sites and to the Interactive Areas in particular that, to the extent permitted under applicable law, you waive all moral rights or rights of a similar nature in any jurisdiction in any Posted Material.
8.2 You are responsible for the content of your Posted Material and you may not within the Interactive Areas or otherwise in relation to a Service or a Site:
(a) post, publish or link to any specific matter which is or could be taken to be the provision of advice;
(b) post, publish or link to any information obtained in breach of confidence or which is otherwise contrary to applicable law or regulation including using the Interactive Areas to carry out criminal, fraudulent or illegal activities;
(c) post, publish, upload, download, use or re-use any material which is offensive, threatening, abusive, indecent, defamatory, obscene or menacing, infringes any intellectual property rights or rights of privacy of any third party;
(d) post, publish or link to any unsolicited advertising or promotional material including but not limited to any chain e-mails, unsolicited commercial e-mails, unsolicited bulk email, "spam" or mail bombs;
(e) impersonate any person, company, group or entity or misrepresent a relationship to or with any of the same;
(f) post or publish any information or messages containing a virus or other harmful component;
(g) disguise the origin of any message;
(h) collect, store, disclose or otherwise process other users' personal data without their knowledge or in breach of applicable data protection regulation;
(i) prevent or restrict the use of the Site and the Interactive Areas by other authorized users; or
(j) hack into or cause damage to any server or other equipment operated by us.
8.3 If you use or receive any e-mail service from the Site or as part of a Service, you must not use such service to send, or use or re-use any material which is unlawful, threatening, abusive, libellous or indecent or which infringes copyright or other intellectual property or other rights of third parties or which contains any other form of illegal content. You must not use the Service to send any chain e-mails or "spam".
8.4 You must comply with any additional rules which may, from time to time, be issued at particular sections of the Interactive Areas.
8.5 By accessing the Interactive Areas, you agree to indemnify and hold us harmless from all claims, damages, costs and expenses (including legal and other professional fees) which we may incur as a result of any of your Posted Material.
8.6 You acknowledge that we do not have control over other users posting messages to the Interactive Areas. As a result, we cannot guarantee the veracity or accuracy of Posted Material. All use of the Interactive Areas is at your risk. You should not rely on Posted Material in any way.
8.7 Our employees or representatives may also submit Posted Material to the Interactive Areas. In doing so, such employees or representatives shall act in a personal capacity and any views they might express shall not be considered as our views nor as the views of a financial or other professional advisor.
8.8 You hereby agree to grant us a non-exclusive, perpetual, royalty-free license to use, reproduce, modify, license all or part of your Posted Material, including to license third parties to use the same.
9 LINKING
9.1 You may create a link from your website to the home page of certain Sites (where they indicate that you may do so) provided that you complete the Registration Form available at the applicable Site and provided that you do not link to the Site from any site containing obscene, defamatory, threatening or degrading material or material which infringes the intellectual property or other rights of any third party or which is otherwise unlawful.
9.2 Upon linking to the Site pursuant to these Terms, we shall grant you a non-exclusive, nontransferable, royalty-free license to use our trade marks solely for the purposes of providing an underlined, textual link from your web site to the Site. Without prejudice to Clause 3.4, no other use of our trade marks or name is permitted without our express prior written permission.
9.3 The potential linking to an internal or subsidiary page of the Site located one or several levels down from the home page ("Deep Linking") or the bringing up of or presenting Content within another website ("Framing") is not permitted without our express prior written permission. You must seek and obtain our express prior written permission before Deep Linking or Framing the Site or any Content by contacting us and providing us with:
(a) your name, e-mail address and telephone number;
(b) the name of your company;
(c) the web address(es) where the proposed Deep Linking or Framing will occur;
(d) specific details about the contemplated Deep Linking or Framing.
10 LINKS TO EXTERNAL SITES AND THIRD PARTY TRANSACTIONS
10.1 A Site or a Service may contain:
10.1.1 links to other websites provided by Sponsors or other third parties ("External Sites"). We shall endeavor to highlight such links although some External Sites may be co-branded with ours; and/or
10.1.2 advertisements for, and/or the opportunity for you to purchase products or services from third parties or other group companies, and/or links to External Sites advertising and/or providing the opportunity for you to purchase such products or services ("Third Party Services"). Any discussions or contracts relating to Third Party Services will be exclusively between you and the relevant third party.
10.2 The content of External Sites and Third Party Services are not maintained or controlled by us and we are therefore not responsible for the availability, content or accuracy of External Sites or Third Party Services. We do not (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, a Site or Service, (b) guarantee the accuracy, completeness, usefulness or adequacy of External Sites or Third Party Services (c) make any endorsement, express or implied, of any External Sites or Third Party Services.
10.3 Your correspondence with, or participation in promotions of third party advertisers for or providers of Third Party Services, including payment for and delivery of Third Party Services, and any other terms, conditions, warranties or representations, associated with such dealings, are solely between you and such third parties. You agree not to hold us liable for any loss or damage of any sort incurred as the result of any such dealings or purchase or as the result of the presence of such third parties on any Site.
11 SOFTWARE AND JAVA SECURITY
11.1 Copyright and any other intellectual property in any software that is made available for download from the Site ("Software") belongs to us or our suppliers. Your use of the Software is governed by the terms of any licence agreement that may accompany or be included with the Software. Do not install or use any Software unless you agree to such licence agreement.
12 LIMITATIONS OF LIABILITY
12.1 Nothing in these Terms shall exclude or limit our liability for fraud, or intentional unlawful conduct by us, or death or personal injury resulting from our negligence and the paragraphs below shall be subject to this provision.
12.2 The Content is made available for your general information and use and is not intended for trading purposes or to address your particular requirements. We do not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information provider or content provider, or any user of this site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at your own risk. Further, the Content does not constitute any form of advice, recommendation or arrangement by us and is not intended to be relied upon by users in making (or refraining from making) any specific investment or other decisions. Appropriate independent advice should be obtained before making any such decision. Any arrangements made between you and any third party named on this Site are at your sole risk and responsibility.
12.3 We, our suppliers, officers, employees, general partner, affiliates, subsidiaries, successors and assigns, and third party agents will not be liable to you directly or indirectly for: (a) any incidental, punitive, special or consequential damage, loss or expenses including but not limited to any loss of business, contracts, revenue, or profits, any business interruption, security breach, loss of data, loss of goodwill or reputation or other pecuniary loss suffered by you; (b) any damage, loss or expenses suffered by you as a result of any viruses, worms, "Trojan horses" or similar programs, denial or service attack, spamming or hacking or consequential damages or any claim against us by any other party; (c) any fault, inaccuracy, omission, delay or any other failure in a Site or a Service caused by your computer equipment or arising from your use of the Service on such equipment; (d) any inaccuracies or errors in or omissions from a Site or a Service including, but not limited to, quotes and financial data; (e) any delays, errors or interruptions in the transmission or delivery of the Site or a Service; or (f) any loss or damage arising by any reason of non-performance.
12.4 To the extent that the provisions of any applicable law shall impose restrictions on the extent to which liability can be excluded under these Terms including, for the avoidance of doubt, the provisions of sections 3, 6 and 11 of the Unfair Contract Terms Act 1977 in the UK (and its equivalent in any other jurisdiction) relating to the requirement of reasonableness, the exclusion set out in this Clause 12 shall be limited in accordance with such restrictions, however, any exclusions of liability that are not affected by such restrictions shall remain in full force and effect.
12.5 We are not responsible for the reliability or continued availability of the telephone lines and equipment you use to access a Site or a Service. You understand that we or any third party contributors to a Site or a Service may choose at any time to inhibit or prohibit the Content from being accessed under the Terms.
12.6 In the event that you order goods for delivery outside the European Union, you may be subject to import duties and taxes which are levied once the package reaches your country. Any additional charges for customs clearance must be borne by you; Euromoney II have no control over these charges and cannot predict what they may be. Customs policies vary widely from country to country, so you should contact your local customs office for further information. Additionally, please note that when ordering from Euromoney II, you are considered the importer of record and must comply with all law and regulations of the country in which you are receiving the goods. Euromoney's international customers should be aware that cross-border deliveries are subject to opening and inspection by customs authorities. Euromoney II may provide certain order, delivery and product information, such as the product's title, to our international carriers and such information may be communicated by the carriers to customs authorities in order to facilitate customs clearance and comply with local laws. If the order is a gift, the package will be marked 'Gift' but the cost of the item will still be stated on the customs form. Customs authorities require Euromoney to state the value of the gift item directly on the package.
12.7 In the event that you incur any loss or damages arising out of your use of the Sites or a Service, you agree that our liability to you shall be limited to the higher of the total amounts paid by you to us in the last month and the sum of US $350.
13 INDEMNITY
13.1 You hereby agree to indemnify and hold us harmless and you will keep us fully and effectively indemnified on demand against all costs, claims, damages, liability and expenses (including any professional fees) which we might suffer by reason of a breach by you of these Terms and in particular any of the warranties, representations and undertakings in Clauses 4 and 8.2 above. For the avoidance of doubt, this indemnity shall extend to any losses which we may suffer as a result of the use by third parties of your user name and password except in circumstances where you can demonstrate to our satisfaction that such third party obtained the relevant details through no fault of your own.
14 CHANGES TO THESE TERMS
14.1 We may add to or change the provisions of these Terms from time to time. All additions and changes will be notified to you by being posted on this Site and material changes will be emailed to our registered users and subscribers. It is your responsibility to refer regularly to these Terms and note the additions and changes. They will come into effect immediately on being posted on this Site and you will be deemed to have accepted them if you access a Site after that time. If you do not wish to accept them, you must terminate these Terms as described below.
15 COMPETITIONS AND PRIZES
15.1 From time to time we will run competitions, free prize draws and promotions on the Site. These are subject to additional terms that will be made available at the time of such competitions.
16 TERM AND TERMINATION
16.1 With the exception of paid areas to our Sites and Services where a subscriber loses access on expiration of their subscription, use of and access to the Sites and Services is not subject to any particular time limits. Without prejudice to the accrued rights of any party, these Terms may be terminated at any time by either party without cause. (a) As a visitor, you may terminate these Terms by simply discontinuing your use of the Site. (b) As a registered user or subscriber, subject to any minimum subscription periods notified to you upon subscription, you may terminate these Terms in relation to any specific Service or Site by electronic notice to us using the contact information of each respective Site. (c) We may terminate these Terms and your use of a Site and/or any Service at any time by email to our registered users and subscribers or in relation to visitors to any Site, by withdrawing access to that Site. We may terminate these Terms and your rights to any Site and/or Service immediately without us having to provide notice, in the event you commit a breach of any provision of these Terms.
16.2 Clauses 3.1, 3.4, 3.5, 8.8, 12, 13, 16.2, 16.3, 18, 19, 20, 22 and 23 of these Terms shall survive termination of the Terms and shall remain in full force and effect thereafter.
16.3 Termination of these Terms shall not affect a party's accrued rights and obligations that may have arisen on or before the date of termination, including, but not limited to, the payment of any sums outstanding under these Terms at the date of termination, which sums shall be payable on the due date under these Terms or within fifteen (15) days of such termination, whichever is sooner.
17 CHANGES TO CONTENT
17.1 We reserve the right to modify, delete or change any aspect of the Content, , the Interactive Areas, the Site and or any of the technical specifications or any aspect of the same. You agree and acknowledge that such changes may result in you being unable to access the whole or any part of a Site.
18 NO WAIVER
18.1 Failure by either party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy.
19 ENTIRE AGREEMENT
19.1 These Terms constitute the entire agreement between the parties with respect to their subject matter and exclude any representations and warranties previously given or made other than any negligent or fraudulent misrepresentation.
20 CHOICE OF LAW
20.1 Where you visit, register and/or subscribe to a Euromoney Institutional Investor plc Site (as listed at the end of these Terms), these Terms, to the maximum extent permissible under the law of the territory that you are located in, will be governed by English law and will be subject to the non-exclusive jurisdiction of the English courts.
20.2 Where you visit, register and/or subscribe to an Institutional Investor Inc. Site (as listed at the end of these Terms), these Terms, to the maximum extent permissible under the law of the territory that you are located in, will be governed by the laws of the State of New York City and, where applicable, the laws of the United States of America. Any action to enforce these Terms shall be brought in the federal or state courts located in New York State, and you agree to submit yourself to the personal jurisdiction of those courts in any such action.
21 FORCE MAJEURE
21.1 We shall not be deemed to be in breach of these Terms by reason of any delay in performing, or any failure to perform any service or our obligations in relation to these Terms, if the delay or failure was due to any cause beyond our reasonable control, including but not limited to acts of God, explosions, floods, fire or accident, war or threat of war, terrorism or threat of terrorism, sabotage, civil disturbance, epidemics, prohibitions or measures of any kind on the part of any governmental, parliamentary or local authority, import or export regulations or embargoes, or industrial actions or trade disputes (whether involving our employees or of third parties).
21.2 In the event we are hindered or prevented, we shall take reasonable steps to give notice of suspension as soon as reasonably possible to subscribers and registered users stating the date and extent of the suspension and its cause. We shall resume the performance of those obligations that have been suspended as soon as reasonably possible after the removal of the cause. In the event that the cause continues for more than one (1) month we shall refund you for any subscription charges you have paid in advance for any suspended Service.
22 ASSIGNMENT
22.1 You may not assign, sub-license or otherwise transfer any of your rights under these Terms without our prior written consent.
22.2 We may assign, sub-contract or transfer any and all of our rights and obligations under these Terms to any group company or any entity who acquires a substantial part of the assets of our business without your prior written consent.
22.3 For the purposes of these Terms, "group company" shall mean Euromoney Institutional Investor plc or any subsidiary of Euromoney Institutional Investor plc including, without limitation, Institutional Investor Inc.
23 SEVERABILITY
23.1 If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.
24 NOTICES
24.1 Any notice which is required to be given pursuant to these Terms shall be made by e-mail or first class post, in the case of you, to the address provided on your registration form and, in the case of us, to the address posted on the Site.
25 HEADINGS
25.1 Headings in these Terms are for convenience only and will have no legal meaning or effect.


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Hedgefundintelligence.biz isfmagazine.com project-tradefinance.co.uk
hedgefundintelligence.co.uk islamicfinancesummit.com railfinanceinternational.com
hedgefundintelligence.com islamicfinanceweekly.com Ravenfox.co.uk
Hedgefundintelligence.info italiahedge.com Ravenfox.com
Hedgefundintelligence.net it-audit.org ravenfoxhorizon.com
hedgefundintelligence.org limitedpartnerscongress.com reactionawards.co.uk
hedgemagazine.com limited-partnerscongress.com reactions.co.uk
iflr.co.uk managingip.co.uk reactions.org
iflr.com media.euromoneydigital.com reactionsawards.co.uk
iflr1000.co.uk mipweek.com reactionsawards.com
iflr1000.com misti.com reactionsawards.net
iflrasia.com mistiemea.com reactionsnet.com
iflrgraduates.com mistieurope.com reinsurancelaw.com
iflrweek.com mistraining.com reinsurance-training.com
iiassetmanagers.com mis-training.com re-insurance-training.com
iicapital.com mistraining.net rfh-insight.com
ii-conferences.com mis-training.net russiamoney.net
iidestinations.com mistraining.org screen-news.com
iifamilyoffice.com mis-training.org selfstudysolutions.co.uk
iifasttrack.com nipponhedge.biz selfstudysolutions.com
iihedge.com nipponhedge.com seniortravel.co.uk
iihongkong.com nipponhedge.info sfidata.net
iijournals.com nipponhedge.net sfidirectory.com
iilondon.com nipponhedge.org sfinews.net
iimemberships.com officeproductsawards.com shipfinanceinternational.com
Iinewslts.com opi.co.uk southafricahedge.com
iiplansponsors.com opi.net sponsors.euromoney.com
iiresearchgroup.co.uk opiasia.net sportsfinance.net
iiseminars.com Opichina.net strategicdirectinvestor.co.uk
insecuritization.com opi-mag.com taxreviewweek.com
inssecuritisation.com opinet.com techlawlive.com
inssecuritization.com outsourcing-assetmanagers.com telecomsmoney.com
insurancebooks.com outsourcingcongress.com telecoms-online.com
insuranceconferences.com outsourcing-congress.com tradefinanceconferences.com
insurancemoves.com outsourcinginvestmentbanks.com tradefinancemagazine.co.uk
insurancesecuritisation.com outsourcing-investmentbanks.com transportmagazines.com


travelretailer.co.uk travelretailerworld.com usinsurer.com
travelretailer.com travelretailworld.com vinisud.com
travelretailerinternational.com Ushedge.com

Euromoney Institutional Investor PLC is a company registered in England and Wales under number 954730 whose registered office is at Nestor House, Playhouse Yard, London EC4V 5EX.

Institutional Investor Inc. Sites located on the World Wide Web under, but not limited to the following domains:

alternativeinvestmentnews.com fundmarketing.com iisearches.com
bondweek.com globalfundnews.com iitechfinance.com
businesstravelerusa.com globalmoneymanagement.com iiwealthmanagement.com
compliancereporter.com gulfpub.com institutionalinvestor.net
compositecatalog.com hpboxscore.com institutionalinvestoronline.com
constructionboxscore.com iialternatives.com loanmarketweek.com
corporatefinancingweek.com iicorporatefinance.com moneymanagementletter.com
dcnews.com iihighnetworth.com operationsmanagement.com
derivativesweek.com iijpm.com pipe-line.com
euromoney.net iimarketplace.com securitizationnews.com
financialnetnews.com iinow.com telecomfinancingweek.com
fintechforum.com iiplatinum.com wallstreetletter.com
foundationendowment.com iipower.com worldoil.com
fundaction.com iirealestate.com
funddirections.com iirenew.com

Privacy Policy

Euromoney Institutional Investor PLC and Institutional Investor Inc

PRIVACY STATEMENT

Our Privacy Commitments

Euromoney Institutional Investor plc and Institutional Investor Inc. (together, "Euromoney") respect the privacy of every person who visits, registers with or subscribes to our websites and on-line publications, and is committed to ensuring a safe on-line experience. This Privacy Statement applies to all Euromoney’s websites ("Sites") as listed below under the heading "Sites" and outlines the information Euromoney may collect and how we may use that information. This Privacy Statement also tells you how you can verify the accuracy of your personal information submitted to Euromoney through our Sites and how you can request that we delete or update it.

This Privacy Statement consists of a general section, which applies to all Sites, followed by specific sections on Euromoney.com and Euromoneyplc.com Sites that provide supplementary information about the personal information collected on those Sites.

For the purpose of this Privacy Statement "group company" shall mean Euromoney Institutional Investor plc and any of its subsidiary companies, including, without limitation, Institutional Investor Inc.

Please note that the Sites may contain links to external sites and may contain advertisements for, and/or the opportunity for you to purchase products or services from third parties. Please note that this privacy statement does not control the activities of such third parties, and users should consult those third party sites' privacy policies.

Information about Euromoney

Euromoney’s principal business activities are:

• Business-to-Business Financial Publishing
• Organisers of Seminars, Conferences, Training Courses and Exhibitions for the financial markets industry

Euromoney Institutional Investor plc Company Address:
Nestor House,
Playhouse Yard,
London EC4V 5EX
United Kingdom

Institutional Investor, Inc. Company Address:
225 Park Ave. South,
New York,
NY 10003,
USA


Name of the Data Controller

The Data Controller is Euromoney Institutional Investor plc, and, in relation to our US Sites (as listed below under "Sites"), Institutional Investor Inc. is also a Data Controller.

Euromoney Institutional Investor plc is subject to the UK Data Protection Act 1998 and is registered in the UK with the Information Commissioner to process your personal information.

Collection of Personal Information

Euromoney’s primary goal in collecting personal information from you is to give you an enjoyable customised experience whilst allowing us to provide services and features that most likely meet your needs.

Euromoney gives you the option to access our Sites' home pages without subscribing or registering or disclosing your personal data.

We collect certain personal information from you, which you give to us when using our Sites andor registering or subscribing for our products and services.

We also collect certain personal data from other group companies to whom you have given information through their websites (including, by way of example, Euromoney Institutional Investor plc and Institutional Investor Inc., in accordance with the purposes listed below).

Where, as part of our Site services, we enable you to post information or materials on our Site, we may access and monitor any information which you upload or input, including in any password-protected sections, in order to fulfil our obligations to you and protect or comply with our legal rights and obligations.

We do not collect information about our Site visitors or online registered users or subscribers from other sources, such as public records or bodies, or private organisations.

Please note that we do not collect any personal information from children under thirteen years of age and that no child under thirteen should submit any personal information to any of the Sites. Should we discover that any such personal information has been delivered to any of the Sites, we will remove that information as soon as possible.


Types of Personal Information Held and its Use

At some Sites, Euromoney collects personally identifiable information, such as your name, job title, work and/or home address, and telephone number and email address and comments/information you may input or post. At other Sites, Euromoney may collect demographic information, such as your postcode, age, gender, purchasing preferences and interests. Some Sites may collect a combination of the two types of information.

Euromoney collects and uses your personal information to operate its Sites efficiently and to deliver the products and services you have requested.

Your personal information may be used for the purposes of:

• Customer Administration, i.e. part of the personal data is used for the provision of information, communications, or transaction services such as placing an order and delivering products and/or services to you.

• Marketing, i.e. parts of your personal data may be used by Euromoney and/or its other group companies to contact you by email, fax, telephone and/or post for sending information or promotional material on the products and/or services of Euromoney and/or its other group companies.

Euromoney gives you the opportunity to opt-out of receiving marketing communications and will in certain circumstances need to obtain your consent before sending such communications to you. Further detail can be found on the applicable Site and in each marketing communication sent by Euromoney.

• Trading in Personal Data, i.e. parts of your personal data may be collected and processed with the intention of selling it to other organisations, but only after consent has been given by you.

Euromoney may also use your information to measure what area users visit most frequently and what information users access the most. We use this data in connection with the design of our website. This information also helps us determine what is most beneficial for our users and how we can continually create a better overall service for you. Employees or contractors of Euromoney who  are given access to your usage information will be required to keep the information confidential and not use it for any other purpose than to carry out the services they are performing for Euromoney.

Any other purposes for which Euromoney wishes to use your personal data will be notified to you and your personal data will not be used for any such purpose without obtaining your prior consent.

Further detail as to the types of personal information which are collected at Euromoney.com and Euromoneyplc.com is set out at the end of this Privacy Statement.

Consents and opt-outs

You can give your consent to or opt-out of particular uses of your data as indicated above by:

• Indicating in a box at the point on the relevant Site where personal data is collected;
• Informing Euromoney by email, post or phone; or
• Updating your preferences on the applicable Site.

Use of Cookies

All Euromoney 's Site’s use "cookies".

A cookie is a text file placed on your hard drive by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. They are uniquely assigned to you and can only be read by a Web server in the domain that issued the cookie.

Cookies are either used only during your session (“temporary” or "session state" cookies) or stored on your computers hard drive (“permanent” cookies).

Temporary cookies are a mechanism for maintaining continuity between pages during your visit. These cookies are maintained in your browser’s active memory and are terminated at the conclusion of the Site visit. Permanent cookies are used to recall on subsequent visits your login information and your agreement to our terms and conditions.

Cookies are integral to the functioning of all Euromoney Sites. By using your browser’s options to block cookies you will effectively prohibit effective use of Euromoney sites. If you still wish to control the operation of cookies, then functionality is available through your browser. Generally you have the options to accept all cookies, to be notified when a cookie is issued or reject all cookies. Below are instructions on controlling cookies in the most recent version of Windows Explorer (Users of other browsers should contact their manufacturer for instructions).

Windows Internet Explorer 6.x
Select Tools Internet Options then Privacy Tab then Advanced
Check Override automatic cookie handling
Click Accept, Block or Prompt then OK twice

As outlined above, disabling cookies may prevent Euromoney Sites from operating fully.

Disclosures

Information collected at one Site may be shared within Euromoney and other group companies for the purposes listed above.

Your personal data may also be sold to other companies in the form of lists and directories, but only after permission from you in accordance with the provisions above.

Euromoney may also disclose your personal data to third parties, including, without limitation, professional advisers, or governmental or State institutions or authorities, where necessary in order to exercise or defend its legal rights or where required by law.

Please note that the Sites may contain links to external sites and may contain advertisements for, and/or the opportunity for you to purchase products or services from third parties. Please note that this privacy statement does not control the activities of such third parties, and users should consult those third party sites' privacy policies. If you would like more information about this practice and to know your choices about not having this information used by these companies, click here: http://www.advertising.com/Privacy.html


Transfers outside the EEA

Euromoney may transfer your personal data, for the purposes listed above, to other group companies or other third parties which may be located in countries outside the European Economic Area, whose laws are not recognised by the EU Commission as providing adequate level of protection to personal data. This will include transfers to Institutional Investor, Inc. in the US.

Confidentiality Security of Your Personal Information

Euromoney is committed to keeping the data you provide us secure and will take reasonable precautions to protect your personal information from loss, misuse or alteration.

We have implemented information security policies, rules and technical measures to protect the personal data that we have under our control from:

• unauthorised access
• improper use or disclosure
• unauthorised modification
• unlawful destruction or accidental loss

All our employees and data processors (i.e. those who process your personal data on our behalf, for the purposes listed above), who have access to, and are associated with the processing of personal data, are obliged to respect the confidentiality of our Site visitors' personal data.

We also give you the option of using a secure transmission method to send us personal data identifiers, such as credit card details and bank account number.

How to Access, Update and Erase your Personal Information

If you wish to know whether we are keeping personal data about you, or if you have an enquiry about our privacy policy or your personal information held by Euromoney, in relation to all the Sites whether run by Euromoney Institutional Investor Plc or Institutional Investor Inc., you can contact the Data Protection Officer via:
• Postal mail to this address : Data Protection Officer, Euromoney Institutional Investor plc, Nestor House, Playhouse Yard, London EC4V 5EX, UK
• Telephone: +44 (0)20 7779 8600
• Email: dataprotectionofficer@euromoneyplc.com
Upon request, we will provide you with a readable copy of the personal data which we keep about you. We may require proof of your identity and may charge a small fee to cover administration and postage.
Euromoney allows you to challenge the data that we hold about you and, where appropriate in accordance with applicable laws, you may have your personal information:

• erased
• rectified or amended
• completed



Changes to this Privacy Statement

Euromoney will occasionally update this Privacy Statement to reflect new legislation or industry practice, group company changes and customer feedback. We encourage you to review this Privacy Statement periodically to be informed of how Euromoney is protecting your personal information.

Sites

This Privacy Statement applies to the websites located on the World Wide Web , including but not limited to, the following domains:

Euromoney Institutional Investor plc Sites
absolutereturn.net business-missions.co.uk euromoneybooks.com
absolutereturnmagazine.com business-missions.com euromoneychina.com
adhes.com chinalawandpractice.com euromoneyconf.co.uk
adhesion.co.uk chinalawpractice.com euromoneyconferences.co.uk
africahedge.com chinamoney.com.hk euromoneydata.com
aircrafteconomics.co.uk coalconferences.co.uk euromoneydigital.com
aircrafteconomics.com coalconferences.com euromoneydirectory.com
aircraftevents.com coaltrans.com euromoneyenergy.com
airfinanceconferences.com coaltransconferences.co.uk euromoneyhk.com
airfinancejournal.co.uk coaltransconferences.com euromoneyii.com
airfinancejournal.com contractcommunications.com euromoneyii.net
airfinancejournal.net corporatefinancefx.com euromoneyinstitutionalinvestorplc.com
airtrafficmanagement.net cruiseandferryreview.com euromoneyinvestorshows.com
allaboutports.com dcgardner.com euromoneyleasetraining.com
alphk.com dcgardnertraining.co.uk euromoneylegaltraining.com
americahedge.com dcgardnertraining.com euromoney-magazine.com
anenglishsummer.com dcgcredittraining.com euromoneypharmaevents.com
asiahedge.biz dcgtraining.co.uk euromoneyplc.co.uk
asiahedge.co.uk dutyfreenews.co.uk euromoneyplc.com
asiahedge.com dutyfreenews.com euromoneyplc.net
asiahedge.info efdreview.com euromoneyplc.org
asiahedge.net emconferences.co.uk euromoneypolska.pl
asiahedge.org emergingmarkets.org Euromoneypropinvest.com
asialaw.com emwebtraining.com euromoney-propinvest.com
asialawandpractice.com equitycongress.com euromoneysecure.com
asiamoney.com euroconferences.co.uk euromoneyseminars.com
asiamoney.com.hk eurohedge.biz euromoneytraining.co.uk
assetfinance.co.uk eurohedge.co.uk euromoneytransport.com
assetfinance.com eurohedge.com euromoney-yearbooks.co.uk
assetfinanceconferences.com eurohedge.info euromoney-yearbooks.net
atmevents.com eurohedge.net euroweek.co.uk
batteriesint.com eurohedge.org euroweek.com
batteriesinternational.co.uk euroinvestmagazine.com euroweekhk.com
batteriesinternational.com euromoney.co.uk ew-sfi.com
bondcongress.com euromoneyasia.com
business-meetings.co.uk euromoneybooks.co.uk


expertguides.co.uk internal-audit.org peoplemoves.co.uk
expertguides.com internationalglassreview.com peoplemoves.com
forexforum.co.uk investhedge.biz perrypublications.co.uk
gimagazine.com investhedge.co.uk perrypublications.com
globalagendamagazine.com investhedge.com petroleumeconomist.co.uk
globalborrower.co.uk investhedge.info petroleum-economist.co.uk
globalborrowers.com investhedge.net petroleumeconomist.com
globalinvestormagazine.com investhedge.org pharmalive.com
globalpoliticalrisk.com investment-banking-operations.com politicalriskmap.com
globaltelecomsbusiness.co.uk ipprofiles.com prcmoney.net
globaltelecomsbusiness.com is-audit.org projectfinance.co.uk
Hedgefundintelligence.biz isfmagazine.com project-tradefinance.co.uk
hedgefundintelligence.co.uk islamicfinancesummit.com railfinanceinternational.com
hedgefundintelligence.com islamicfinanceweekly.com Ravenfox.co.uk
Hedgefundintelligence.info italiahedge.com Ravenfox.com
Hedgefundintelligence.net it-audit.org ravenfoxhorizon.com
hedgefundintelligence.org limitedpartnerscongress.com reactionawards.co.uk
hedgemagazine.com limited-partnerscongress.com reactions.co.uk
iflr.co.uk managingip.co.uk reactions.org
iflr.com media.euromoneydigital.com reactionsawards.co.uk
iflr1000.co.uk mipweek.com reactionsawards.com
iflr1000.com misti.com reactionsawards.net
iflrasia.com mistiemea.com reactionsnet.com
iflrgraduates.com mistieurope.com reinsurancelaw.com
iflrweek.com mistraining.com reinsurance-training.com
iiassetmanagers.com mis-training.com re-insurance-training.com
iicapital.com mistraining.net rfh-insight.com
ii-conferences.com mis-training.net russiamoney.net
iidestinations.com mistraining.org screen-news.com
iifamilyoffice.com mis-training.org selfstudysolutions.co.uk
iifasttrack.com nipponhedge.biz selfstudysolutions.com
iihedge.com nipponhedge.com seniortravel.co.uk
iihongkong.com nipponhedge.info sfidata.net
iijournals.com nipponhedge.net sfidirectory.com
iilondon.com nipponhedge.org sfinews.net
iimemberships.com officeproductsawards.com shipfinanceinternational.com
Iinewslts.com opi.co.uk southafricahedge.com
iiplansponsors.com opi.net sponsors.euromoney.com
iiresearchgroup.co.uk opiasia.net sportsfinance.net
iiseminars.com Opichina.net strategicdirectinvestor.co.uk
insecuritization.com opi-mag.com taxreviewweek.com
inssecuritisation.com opinet.com techlawlive.com
inssecuritization.com outsourcing-assetmanagers.com telecomsmoney.com
insurancebooks.com outsourcingcongress.com telecoms-online.com
insuranceconferences.com outsourcing-congress.com tradefinanceconferences.com
insurancemoves.com outsourcinginvestmentbanks.com tradefinancemagazine.co.uk
insurancesecuritisation.com outsourcing-investmentbanks.com transportmagazines.com


travelretailer.co.uk travelretailerworld.com usinsurer.com
travelretailer.com travelretailworld.com vinisud.com
travelretailerinternational.com Ushedge.com

Institutional Investor Inc. Sites, including but not limited to, the following domains:

alternativeinvestmentnews.com fundmarketing.com iisearches.com
bondweek.com globalfundnews.com iitechfinance.com
businesstravelerusa.com globalmoneymanagement.com iiwealthmanagement.com
compliancereporter.com gulfpub.com institutionalinvestor.net
compositecatalog.com hpboxscore.com institutionalinvestoronline.com
constructionboxscore.com iialternatives.com loanmarketweek.com
corporatefinancingweek.com iicorporatefinance.com moneymanagementletter.com
dcnews.com iihighnetworth.com operationsmanagement.com
derivativesweek.com iijpm.com pipe-line.com
euromoney.net iimarketplace.com securitizationnews.com
financialnetnews.com iinow.com telecomfinancingweek.com
fintechforum.com iiplatinum.com wallstreetletter.com
foundationendowment.com iipower.com worldoil.com
fundaction.com iirealestate.com
funddirections.com iirenew.com

Further detail as to the information which is collected at Euromoney.com and Euromoneyplc.com is set out below.

General Information

Personal data from the above listed websites which is held by Euromoney.

Below is a table of personal data collected and the purposes for which it may be used.