These terms of use (together with all documents referred to in these terms) (collectively referred to as the "Agreement") tell you the terms and conditions on which you may use and access the Finextra web site.

Information about us
www.finextra.com (the "Finextra web site") is a web site operated by Finextra Research Limited (referred to in this Agreement as "Finextra", "we", "us" or "our").

Accessing the Finextra web site
Access to the Finextra web site is permitted on a temporary basis and we reserve the right to withdraw or amend the service without notice (see below). You are responsible for making all arrangements necessary for access to the Finextra web site. You acknowledge that access to the Finextra web site is dependent upon the availability of the worldwide web and we accept no responsibility for your inability to access the Finextra web site arising out of circumstances beyond our reasonable control.

We have the right to disable your access to the Finextra web site at any time if, in our opinion, you have failed to comply with any of the provisions of this Agreement.

Restrictions on use
All copyright, database rights and other intellectual property rights in the Finextra web site and all material published on it are owned by, or are licensed to, Finextra Research Limited. All such rights are expressly reserved. You may print off one copy of any page(s) from the Finextra web site for your personal reference and you may draw the attention of others within your organisation to material posted on it. Our status (or that of any identified contributors) as the authors of material on this web site should always be acknowledged. You may not otherwise copy, reproduce, republish, download, post, adapt, create a derivative work from, distribute, store in any medium (including framing the Finextra web site within any other web site), broadcast, transmit, re-transmit, modify, communicate or make available to the public all or any part of the Finextra web site without our prior written permission.

Changes to the Finextra web site
We update the Finextra web site on a regular basis and may change the content at any time. If the need arises, we reserve the right to suspend the Finextra web site or close it indefinitely.

Information about you and your visits to the Finextra web site
We process information about you in accordance with our privacy policy. Please review the terms of our Privacy policy to check that you are happy for us to use your information in accordance with its terms. You are responsible for ensuring that all information provided by you to us is accurate.

Linking to the Finextra web site
You may link to the Finextra web site home page, provided you do so in a way that is fair and legal and which does not damage our reputation or take advantage of it or suggest any form of association, approval or endorsement on our part where none exists. We reserve the right to withdraw linking permission without notice.

If you wish to make any use of material on the Finextra web site other than to the extent permitted by this Agreement, or wish to contact us about any material on the web site, please address your request to contact@finextra.com.

Links from the Finextra web site
The Finextra web site may from time to time contain links to various web sites and other resources provided by third parties. These links are provided for your information only. We have no control over the contents of those web sites and resources and accept no responsibility for them or for any loss or damage that may be suffered as a consequence of your use of or reliance on them. The supply of any goods, services and information offered by third party providers listed on the Finextra web site is subject to the relevant third party's terms and conditions relating to the provision of their goods, services and information. These third party terms and conditions can be found by accessing the relevant third party's web site by clicking on the applicable link.

Our liability
Nothing in this Agreement shall exclude or limit our liability for: (a) death or personal injury arising through negligence; (b) fraudulent misrepresentation; (c) breach of implied terms relating to title and quiet enjoyment under Section 12 of the Sale of Goods Act 1979 and Section 2 of the Sale and Supply of Goods Act 1982; or (d) any other liability which may not lawfully be excluded or limited by us.

Commentary and other materials posted on the Finextra web site are only general remarks or comments and are not intended to be relied upon by you. Except where stated otherwise in this Agreement, we exclude all liability and responsibility arising from any reliance placed on third party content on the Finextra web site by you or anyone who may be informed of any of its contents. Whilst we have taken every care in the preparation of the content of the Finextra web site, we cannot guarantee uninterrupted and totally reliable access to it. We cannot therefore guarantee that the information will always be completely up to date and free of mistakes or errors. Except where stated otherwise in this Agreement: (i) we disclaim all warranties, terms, conditions and representations, express or implied, as to the accuracy of the information contained in any material on the Finextra web site and accept no responsibility for any loss or damage arising out of problems with access; and (ii) we shall not be liable for any loss of production, loss of profits, business data, operation time, goodwill contracts, revenue or anticipated savings arising out of or in connection with this Agreement or any indirect or consequential loss, damage, cost or expense of any kind whatever and howsoever caused. We do not warrant or guarantee that material downloaded and/or accessed via or from the Finextra web site will be free of viruses or other similar contaminants and you should operate the most up-to-date virus protection software at all times. Except where stated otherwise in this Agreement, we do not accept responsibility for any loss, damages or costs suffered or incurred by you arising from viruses or contaminants contracted by you or your machine from accessing or using the Finextra web site.

Jurisdiction and applicable law
The English Courts will have exclusive jurisdiction over any claim arising from or related to the Finextra web site. English Law will apply to the construction and interpretation of this Agreement.

Finextra Privacy Policy
Following below is the formal privacy statement, which gets quite long and unwieldy when the law becomes involved. We like to think we are reasonable people and good internet citizens, so if you have any concerns or issues around privacy, please get in touch and let's discuss them.

Our commitment to privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online privacy practices and the choices you can make about the way your information is collected and used.

The information we collect
This notice applies to all information collected or submitted on the Finextra web site. Finextra Research Limited is the sole owner of the information collected on this web site.

Our site collects non-personally identifiable information about you, such as the server your computer is logged onto and your browser type. This information is purged or automatically deleted when you close your Internet browser.

If you subscribe to the web site then we will collect some personal information about you. This information will not be sold, shared with, or rented to other parties outside of Finextra Research Limited, and will be deleted if requested by the user.

If, at any time, you prefer not to receive emails from us, please log into the members area and select the unsubscribe link or email contact@finextra.com. You will be able to unsubscribe anytime by clicking on the unsubscribe link at the bottom of all our email communications.

Use and storage of your personal information
When you supply any personal information to Finextra we have legal obligations towards you in the way we deal with that data. We must collect the information fairly, that is, we must explain how we will use it and tell you if we want to pass the information on to anyone else. Finextra will only disclose PII if required to do so by law. With that exception, under no circumstances will we share single user or aggregated demographic data without the explicit consent of our users.

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Notifications of changes
If we decide to change our privacy policy, we will post those changes to the Finextra web site (www.finextra.com), so users of the site are always aware of what information we collect, how we use it and under what circumstances, if any, we will disclose it. If at any point we decide to use PII in a manner different from that stated at the time it was collected, we will notify subscribers by e-mail. Subscribers will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

What are your rights?

If at any point you believe the information we process on you is incorrect you request to see this information and even have it corrected or deleted. If you wish to raise a complaint on how we have handled your personal data, you can contact our Data Protection Officer who will investigate the matter.

If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law you can complain to the Information Commissioner’s Office (ICO).

If you wish to contact our Data Protection Officer then you can do so by emailing DataProtectionOfficer@finextra.com.

Contact (for non-editorial queries)
Finextra Research Limited
77 Shaftesbury Avenue
London
W1D 5DU
United Kingdom
Tel: +44 (0)20 3100 3670
Email: contact@finextra.com