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Mostafa Aly

Vice President Portfolio Manager ABL
Cadence Bank

Mostafa Aly has been in banking for over 8 years. He is currently a Vice President Portfolio Manager with Cadence Business Finance (formerly known as Alostar). He’s held various positions at Cadence Bank including Credit Analyst, Credit Analyst training Program Supervisor, and Vice president Relationship Manager Special Assets Group.
 

Joseph Arie

President, SBA Division
Bank of Edison

Mr. Arie is a seasoned banker of over 40 years. During his tenure in the banking industry, Mr. Arie has held executive management positions in all areas of running a bank. He has been a "keynote speaker" at several National Banking conferences speaking on the subject of Business Banking, Small Business Lending, Chief Creidt Officers Roles & Issues and Special Assets Management Issues. In 1994 he received the US Small Business Administration's Financial Advocate of the Year Award. In 1995, President Clinton appointed Mr. Arie to be 1 of 80 Presidential Delegates at the White House Conference on Small Business. From 1995 to 2005 Mr. Arie was on the Board of Directors of The National Associ ... (view full description)

Jeff Azuse

Senior Vice President
Hilco Real Estate

Jeff joined Hilco in 2012 and leads business development efforts and operations (project management) related to real estate disposition, brokerage and auctions. Jeff and his team craft both the strategy and execution of property sales, which is inclusive of new client relations, targeted marketing (both implementation and reporting), website marketplace management, buyer interaction, event management, and facilitation of transaction closings. Over his 20-year career, Jeff has sold a vast portfolio of properties across all asset types, including both residential and commercial real estate: hotels, golf cou ... (view full description)

Zachary Bancroft

Office Managing Shareholder
Baker, Donelson, Bearman, Caldwell & Berkowitz PC

Zachary Bancroft is a Corporate Restructuring & Bankruptcy shareholder and the office managing shareholder of Baker Donelson's Orlando office. Mr. Bancroft focuses his practice on commercial foreclosures, commercial loan workouts and bankruptcy litigation, with an emphasis on CMBS loans. He has represented lenders in a variety of commercial settings. Mr. Bancroft's clients include loan servicers (with an emphasis on special servicers), national banks, regional banks, private equity funds, insurance companies and automotive floor-plan lenders. Mr. Bancroft has represented servicers and lenders in foreclosure actions with a cumulative amount in controversy of over a billion dol ... (view full description)

Cliff Bargeron

Managing Director
Garnet Capital Advisors

Cliff Bargeron is a Managing Director for Garnet, heading its Commercial Loan Sales and Valuations lines of business.  Based in Atlanta, Cliff has over thirty years of commercial lending, loan-sale and portfolio valuations experience, which included over $1 billion in leveraged-lending transactions, over $5 billion in loan sales and over $40 billion in portfolio valuations. Cliff began his career as a relationship manager for SunTrust and progressed into business development roles for GE Capital Corporate Lending and GMAC Commercial Finance. He has been with Garnet for over 15 years, initially in a sales capacity then transitioning into the management of transactions and valuations.

John Budyak

Managing Director, Head of Credit Services NA
Alter Domus

John is the Managing Director and Head of Commercial Loan and Credit Services for Alter Domus (“AD”) North America. He has focused most of his career in the financial services industry that included commercial lending, credit risk assessment and mitigation, distressed asset management, construction draw administration as well as corporate financial and strategic planning. As Managing Director and Head of Commercial Loan and Credit Services, John has continued this focus on behalf of the wide array of corporate clients that Alter Domus serves. Prior to Alter Domus, John held various executive management positions focusing on credit and risk management, the strategic resolution of troubled ass ... (view full description)

Brock Cannon

Head of National Loan Sales,
Newmark

Cam Childs

SVP
Directed Capital

Cameron ChildsSenior Vice President—Asset Acquisitions   Mr. Childs leads the Asset Acquisition team at Directed Capital. In his current role, Mr. Childs is responsible for all acquisition activity including deal sourcing, underwriting, valuation, and execution. Mr. Childs has experience across the business platform from acquisitions and asset management to capital formation and financial reporting. Mr. Childs is based in the St. Petersburg office.    Mr. Childs received a B.A. in Economics and a M.S. in Management from the University of Florida. Mr. Childs also received a B.S. in Accounting from the Universit ... (view full description)

Tom Constantine

EVP & Chief Credit Officer
Axos Bank

Thomas Constantine joined Axos Bank in August 2010, as Chief Credit Officer. Previously, he was a senior examiner with the Office of Thrift Supervision (OTS), serving his second stint with the agency. Mr. Constantine first joined the OTS in 1989, during the Savings and Loan crisis, and has over 34 years of experience in the banking and financial services industries. Prior to his return to the OTS in 2003, Mr. Constantine worked as a commercial real estate loan officer for George Elkins Mortgage Banking Company and as an executive officer at First Bank of Beverly Hills, where he assumed positions of increasing responsibility, including Portfolio Manager, Chief Lending Officer, and finally Chi ... (view full description)

Mathew Crosswy

President
Stonehill

Andre Cuadrado

CEO
Xchange.Loans Inc.

Andre Cuadrado is the Founder and CEO of Xchange.Loans (https://xchange.loans), the online marketplace for non-performing loans. He is also a Founder and Principal of Rhenium Capital, a boutique Loan Sale Advisory firm, founded in 2015. Based on extensive experience selling non-performing loans for community banks, private lenders, regional & large banks and special servicers, Andre and his co-founder Michael Jimenez developed the Xchange.Loans platform specifically to maximize the recoverable value of non-performing loans in a secure open market transaction. Prior to founding both firms, Andre founded and ran the V&A department of Auction.com/Ten-X Commercial.

Carlos Delgado

Head of Special Assets Department
International Finance Bank

Carlos Delgado is a Sr. Vice President Head of Special Assets, Closing and Loan Operations Department, at International Finance Bank.  Mr. Delgado has three decades of experience in Special Assets focusing on workouts, note sales and litigation as well as managing the bank’s OERO.  Additionally, he currently oversees the Closing and Loan Operations Department and ensures regulatory compliance.
 

Robert Doyle

SVP Special Assets
First Mutual Holding Co.

Prior to joining Doolin Security Savings Bank F.S.B. in January 2014, and subsequent merger to form First Mutual Bank in January 2018, as the President and CEO, Robert was the Vice President of Consumer Lending Collections for WesBanco Bank Inc. from July 2010 thru December 2013.  In this position he directed and oversaw collection, charge off, and recovery operations with twenty four (24) direct reports, of which two were managers, for Consumer Lending ($ 536 m) and Residential Real Estate ($ 892 m) portfolios.  In his tenure he was able to reduce delinquency by $ 8.8 m (41 %) and charge offs by $ 3.04 m (32 %) while increasing recovery $ 322 k (18 %), all with each portfolio growing in siz ... (view full description)

Stephen P. Drobny

Partner
Jones Walker LLP

Stephen Drobny is a partner in the firm's Business & Commercial Litigation Practice Group and practices from the firm's Atlanta office. His practice focuses on bankruptcy matters, including representing debtors, trustees, committees, and secured creditors in complex Chapter 11, 7, and 13 cases.

Prior to joining Jones Walker, Mr. Drobny was an attorney at Shutts & Bowen where he was a member of the Creditors' Rights Practice Group. He has also practiced law in California and served as a law clerk to the Honorable W. Richard Lee of the United States Bankruptcy Court for the Eastern District of California. 

Gregory Felix

Senior Special Assets Officer
Synovus

Gregory L. Felix, Special Assets Officer, Sr., Synovus Bank

With diverse experience in a variety of industry sectors, Mr. Felix has spent more than 20 years in various areas of finance and operations, building a wealth of knowledge specific to non-performing loans, corporate restructuring, business transformation, capital raising and investor financing, deal structuring and negotiations. A Pennsylvania native, Mr. Felix earned an MBA from Temple University and a Bachelor’s degree from Drexel University, both in Philadelphia.
 

Justin Ford

President
Pax Properties, LLC

Justin Ford began buying small residential properties in 2002. In 2006, he founded Pax Properties. Today, Pax has bought, renovated and managed over 1,250 units and retail properties throughout Florida and the Midwest. Perhaps Pax's signal achievement has been that--through the boom, bust and a pandemic--the company has never been late on a mortgage payment nor failed to produce positive returns for investors. Mr. Ford attributes that success to core principles that make them patient buyers, prudent users of debt, and diligent operators, all with an eye towards the long term. This approach has helped Pax recover from mistakes, weather down markets, and consistently ta ... (view full description)

Greg Friedman

Chief Executive Officer
Stonehill

Greg has more than 22 years’ hospitality experience with an emphasis on deal-structure and financing. He successfully has led Peachtree in more than $5 billion in hotel acquisitions, investments and development since co-founding the company. He formerly was senior vice president of business development for Specialty Finance Group, LLC, a direct lender providing hotel first mortgage and FF&E financing, where he originated more than $2 billion of hotel debt. Previously, Greg was vice president of business development for GMAC Commercial Mortgage – Asset-Backed Lending Division. During his six-year tenure, he originated, closed and funded more than 300 hospitality FF&E financing transac ... (view full description)

Chris Friis

CLO
First Secure Bank and Trust

Chris Friis is a Senior Vice President at First Secure Bank and Trust Co., a community bank in Chicago's south suburbs. He holds an MBA from Lewis University and a BS from Illinois State. He also holds CPA and CIA designations. He has over 25 years of lending experience and was the leader of the non-performing asset turnaround at his former bank during the last downturn.

Scott Gillanders

SVP, Credit & Operations Manager
Berkshire Bank

A native Californian and avid fan of architecture, Scott started his career at Wells Fargo in San Francisco over 30 years ago where Scott managed sales originations for twenty of the banks largest branches in and around San Francisco.   Relocating to the East Coast in 2000, and transitioning to a credit and risk management role, Scott is happy to call Philadelphia home where he is currently Sr. Vice President, Credit & Operations Manager at 44 Business Capital, a Division of Berkshire Bank.  A true renaissance man Scott holds a BS Degree from Drexel University with a minor in Architecture.  Scott has melded his love of architecture to the practical knowledge of banking, construction, fin ... (view full description)

Madeline Heckman

Conference Producer
IMN

Mary Jo Heston

Judge
U.S. Bankruptcy Court

Mary Jo Heston currently is a United States Bankruptcy Judge for the Western District of Washington.  She previously was a shareholder in the Seattle and Portland Offices of Lane Powell PC where her practice involved commercial litigation and transactional matters with an emphasis on business reorganizations, Canadian/US cross-border cases and the acquisition of troubled businesses. Between 1988 and 1993 Ms. Heston served as the first Region 18 United States Trustee, overseeing bankruptcy cases and fiduciaries in Washington, Oregon, Idaho, Alaska and Montana.  She also is a former law clerk to a bankruptcy judge and a district judge as well as a former estate administrator of the federal ban ... (view full description)

Mark Hildreth

Partner
Shumaker Loop & Kendrick LLP

Mark D. Hildreth practices in the areas of foreclosure, business bankruptcy, creditors' rights, workouts, assignments for the benefit of creditors and business litigation.  He has been Board Certified in Business Bankruptcy Law by the American Board of Certification since 1992. His clients include banks and other financial institutions, receivers, leasing companies, commercial landlords, real estate entities and sureties involved in bankruptcy cases and non-bankruptcy litigation.  Mark has chaired statewide Bankruptcy Practice and Procedure seminars for the Business Law Section of the Florida Bar and has served on various sub-committees studying revisions to Florida's Uniform Fraudulent Tran ... (view full description)

Steven Hislop

Group Leader
Midwest, Inc

Peter Hurwitz

Principal
Dundon Advisers LLC

Michael Jimenez

Founder & CXO
Xchange.Loans Inc.

Michael is the CXO and co-founder of Xchange.Loans - Your online marketplace for non-performing loans. Michael's focus is helping lenders, servicers & asset managers value & sell their NPLs.
Michael is also a co-founder of Rhenium Capital and has been working loan sales since 2008 when he was with ING Investment Management. He also spent time as VP with Auction.com, as an associate at Trammell Crow Company, and in originations with Grandbridge Real Estate Capital.
 

Jim Ketchersid

Special Assets Manager
Farmers & Merchants Bank of Long Beach

With more than 40 years of credit management experience, James H. Ketchersid is a Senior Vice President and Manager of the Special Assets Department at Farmers & Merchants Bank. Ketchersid’s four decades of banking experience includes Credit Administration, C&I, commercial real estate, multi-family, construction, asset based, SBA and consumer loans as well as customizing those loans to help the client succeed. Ketchersid participates in those activities at the senior management level. In his free time, Ketchersid volunteers his time to Kiwanis International, sings in his church choir, and enjoys spending time with his grandchildren. Founded in Long Beach in 1907 by C.J. Walker, Farme ... (view full description)

Spencer Kirsch

VP, Loan Sales & Trading
Mission Capital Advisors, LLC

Spencer Kirsch is a Vice President on the Residential & Commercial Loan Sales and Trading teams at Mission Capital. His responsibilities include loan valuation, property underwriting, transaction management, due diligence, market research, and deal origination. In his year and a half at Mission, Spencer has valued over $2 billion in commercial, residential, C&I, and consumer loans, and has successfully traded over $500 million of debt. Spencer also oversees a team of analysts across the commercial and residential trading desks. Prior to joining Mission, Spencer worked as a Whole Loan Acquisitions Associate at Waterfall Asset Management, a $9.5 billion Structured Cr ... (view full description)

Buddy Lee

Chief Executive Officer
Seven Hills Auctions

Seven Hills Auction is a national provider of real estate auction and marketing services. The firm was founded by Buddy Lee and other industry veterans. Buddy has over 20 years of experience in the auction and real estate industries with sells of over $500 million in real estate for the FDIC, financial institutions, private equity funds, bankruptcy trustees and premier landowners across the country. Buddy is a member of the National Auctioneers Association, Georgia Auctioneers Association, Florida Auctioneers Association and the Florida Bankers Association. He holds an Associate in Business Administration from Abraham Baldwin Agricultural College and a Bachelor of Business Administration ... (view full description)

Corey Maple

Chairman & CEO
Legendary Capital

Corey Maple has spent his career launching, building and selling companies. After working as a consulting engineer at Maier Engineering for several years after college, he purchased the company from its founder in 1993. He proceeded to lead the company’s rapid expansion, increasing revenues by ten-fold. In 1996, he founded MiniMax, Inc., an automation and engineering tools provider to the electric utility industry. After merging with privately held Norwegian company Powel ASA, he helped take the combined company public in 2006. He then served as U.S. operations president and board member and subsequently helped engineer the company’s sale to a public industrial conglomerate. Since then, Mapl ... (view full description)

Kristin Martin

VP, Special Assets Manager
TBK Bank

Robert Milam

Director of Originations
Summit Investment Management

Director of Originations at Summit Investment where I am responsible for sourcing commercial debt purchases from financial institutions. We primarily purchase stressed and distressed commercial debt. It can be direct loans, portfolios or pieces of syndicated credits. We buy C&I loans, commercial leases and debt secured by real estate including real estate with environmental issues. Former Positions - Vice President Bayside/HIG Capital. TD Bank - Senior Workout Officer responsible for all workouts in the Southeastern part of the US. South Financial Group - Director of Special Assets. Regions Bank - Director of Special Assets. SouthTrust Bank - Manager Commercial Special Assets Department. ... (view full description)

Michael Nanosky

President
Janus Hotels and Resorts

Mr. Nanosky has over thirty-five years experience in all aspects of the hospitality industry.  In 1989, Mr. Nanosky joined Beck Hospitality as a partner and President.  He quickly developed Beck Hospitality into a top 20 hotel management company, successfully managing over 250 hotel properties for the RTC and various lending institutions and servicers.  He was also instrumental in the successful reverse merger of Beck Hospitality into Janus Hotels and Resorts, Inc., a publicly traded company.           Today, Mr. Nanosky serves as President and Partner of Janus Hotels & Resorts, which is privately owned. Janus Hotels and Resorts owns and/or manages over 27 hotels with 8,000 guest rooms t ... (view full description)

Candace Norville

Principal
Norcap/Sio

Phillip Preis

Managing Director
Dundon Advisers LLC

Phil leads the firm's investment banking practice and is one of the senior members of the firm’s media and entertainment group. Phil has taken a key role  in driving the financing and sales process aspects of many of the firms most complicated transactions. He was previously an investment banker at Houlihan Lokey (2006–2018) and UBS (2000–2004) specializing in restructuring and asset sales, and credit origination for distressed issuers. BS University of Virginia’s McIntire School of Commerce, MBA University of Virginia’s Darden Graduate School of Business.

Brian Resnick

Partner
Davis Polk & Wardwell LLP

Terence Rochford

Senior Vice President of Business Development
Hilco Real Estate

Terence brings more than 30 years’ experience in brokerage, commercial property ownership and management, as well as development to the HRE team. Terence holds a Juris Doctorate and has been licensed as a real estate broker since 1992. His unique qualifications set him apart from other traditional brokerage competitors in the bankruptcy space. His extensive transactional expertise coupled with his knowledge of the Bankruptcy Code provide him with a unique combination of skills best utilized in both planning and executing real estate sales within arm’s length deals, as we as within an approved Plan or post Relief. Prior to joining Hilco, Terry was with Ten-X Commercial and Auction ... (view full description)

Brad Salzer

President
Redstone Investments

As a thirty year real estate professional, Mr. Salzer has focused on the acquisition and servicing of commercial real estate loans since 1991. Having acquired over $500,000,000 in whole-loans either individually or in pools, Mr. Salzer has a proven track record in the resolution of distressed mortgage debt. Mr. Salzer has participated as a buyer of RTC, FDIC and conventional bank assets as well those of private and institutional lenders. In addition to the most common property types, collateral has included golf courses, marinas, churches and a multitude of special-use facilities throughout the continental United States. His strong foundation in the development of real property including, of ... (view full description)

Kevin Semon

Director
SitusAMC

Mr. Semon is a 25-year veteran of the CMBS industry.  He specializes in all phases of special servicing and is currently a Director for SitusAMC.  His workout experience includes all collateral types with a specialty of hospitality properties.  Loan size experience ranges to $1 billion.  Workout experience includes assets located in domestic and international markets.  Other experience includes loan underwriting and due diligence.  Prior employers include AMRESCO, KeyBank Real Estate Capital and Midland Loan Services.
 

Bruce Shilcutt

Executive Vice President--Special Assets
Texas Capital Bank

Lunelle Siegel

Director
Webster Bank

Lunelle Siegel has been involved in commercial credit decision making, lending and banking since 1983.  Over the course of approximately 30 years, she has developed a solid base of knowledge and experience in a diversified array of commercial finance and banking subjects including:  financial and credit analysis (loan underwriting);  loan structure; developing credit scoring for business lending; loan negotiations; loan documentation;  loan restructuring including loan workings and replacement financing; loan administration; and loan portfolio management both as lending officer, portfolio manager, and workout officer. Siegel has been involved in credit administration and po ... (view full description)

Mark Silverman

Member
Dykema

Mark Silverman is an attorney in Dykema’s Chicago office practicing in the areas of business and financial services litigation. Mark’s practice covers a wide range of complex commercial litigation, lender’s liability defense, banking, fraudulent conveyance and general fraud litigation, class action litigation, contract disputes, commercial foreclosures, commercial real estate transactions, post-judgment collections proceedings, and general business disputes. Mark represents banks, credit unions, large CMBS special servicers, purchasers of non-performing commercial real estate and C&I loans and investors in loan enforcement litigation and commercial foreclosure actions. He reg ... (view full description)

Christopher Swieca

SVP
Wintrust Financial Corporation

Chris is a Senior Vice President, and the Director of OREO for Wintrust Financial Corporation, a diversified bank holding company which includes 15 separate bank charters. He is a seasoned workout professional with over 30 years of distressed asset liquidation experience with a concentration in real estate across all product types. He has an extensive litigation background and brings a strong tactical acumen to the table to facilitate the reposition and disposition of troubled assets.  Chris holds an LL.M in Financial Services Law but is not an attorney.

Jenna Unell

Senior Managing Director -Special Servicing Division
Greystone Special Servicing

Jay Verona

Partner
Shumaker, Loop & Kendrick LLP

Jay represents a variety of institutional and small business clients, and both creditors and debtors in a wide array of business and real estate disputes, including: Collections Foreclosure prosecution and defense Commercial landlord-tenant disputes Contract disputes All types of bankruptcy litigation Jay also frequently serves as a mediator in connection with bankruptcy, commercial, and real estate disputes. While Jay enjoys a reputation as an aggressive and passionate litigator and advocate, his 36 plus years of experience have also taught him that in nearly every case or dispute, there is a business solution to be had. ... (view full description)

Edward Weil

Member
Dykema

Edward S. Weil serves as a member of Dykema's Executive Board and is a member and immediate past Director of the Firm's Financial Industry Group, which brings together over 140 Dykema lawyers who represent financial services firms in various litigation, transactional, regulatory/compliance and restructuring capacities. In his general commercial litigation practice, Mr. Weil represents companies in industries ranging from telecommunications, food technology solutions, airport technology, real estate developers, home security and home furnishing manufacturers, hospitality firms, and business services providers. Mr. Weil litigates a wide variety of commercial matters, including fraud, business ... (view full description)

Jon Winick

CEO
Clark Street Capital

Jon Winick is President of Clark Street Capital, a full-service bank advisory and asset disposition firm. Managed by seasoned professionals with extensive “buy-side” experience, Clark Street Capital offers intrinsic knowledge and expertise on a wide range of assets from bank portfolio loans to securitized assets. Prior to co-founding Clark Street Capital, Jon Winick was National Marketing Director for Zions Bank, a $53 billion bank headquartered in Salt Lake City. Working for the Zions National Real Estate division, a wholesale acquirer of commercial real estate mortgages primarily from financial institutions, Winick was responsible for acquisitions in the Midwest and national marketing effo ... (view full description)

Keith Worsham

Senior Vice President
Hilco Real Estate

A 30-year corporate real estate veteran, Keith joined Hilco Real Estate in 2021 to lead the national hotel team, bringing substantial expertise in investment sales, REO, note sales, auction services, hotel development, repositioning, franchise selection, site selection, brokerage, consulting and management. Prior to HRE, he was with Marcus Millichap as senior vice president in the Atlanta office on the national hotel team. Before Marcus Millichap, Keith was with Newmark Knight Frank where he built an institutional hospitality platform after serving as a senior director with Auction.com, a Ten-X Commercial Company. In this capacity, he helped grow the private client group to over $2.2 billion ... (view full description)

Mike Zandpour

SVP & Associate General Counsel
City National Bank

Mike Zandpour is a Senior Vice President and Associate General Counsel at City National Bank.  Mike supports a variety of business areas within the bank, including commercial, corporate, entertainment, technology, aerospace and defense, SBA, and private banking.  Mike advises on secured transactions, workouts, and bank regulatory matters. He recently led a legal team in City National’s facilitation of over $4.5 billion dollars of SBA guaranteed  Paycheck Protection Program loans to support businesses during the pandemic. Mike has extensive experience in managing litigation, and handling corporate and real estate loan workouts.  Mike served as City National’s lead attorney in resolution of a ... (view full description)
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Event Contacts for 11th Annual Bank Special Assets & Credit Officer's Forum (East)

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*Copyright and Trademarks. The layout of the website pages, graphics and pictures used and the collection of individual contributions are protected by copyright. All copyrights belong either to IMN, the third-party content providers or both. Either IMN or the third-party content providers own all trademarks and service marks depicted here.

*Indemnification. You agree to indemnify hold harmless and defend IMN, including our employees, officers, agents and contractors and our related entities and their employees, officers, partners, agents and contractors ("Indemnified") and continue to keep the Indemnified indemnified from and against any actions, proceedings, claims, demands, costs (on a full indemnity basis including, without limitation, reasonable legal and accounting fees) brought or made against the Indemnified by any person arising in connection with your use of the Website or content, or a breach of your representations and warranties in the Terms and Conditions of Use or this Agreement, or your violation of any of the Terms and Conditions of Use or this Agreement or any other activity in which you engage on or through, and from and against any damage, loss(whether personal or property, and whether direct or consequential, including without limitation consequential financial loss), cost or expense suffered or incurred by any Indemnified as a direct or indirect consequence thereof.

*Changes in Terms and Conditions. IMN may at any time revise the terms and conditions by which you may access the website or use IMN products or services. By using this website and IMN products and services, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current version of this document.

*Limitation of Liability. Neither we, nor any of our suppliers, officers, employees, partners, affiliates, subsidiaries, successors and assigns, agents or representatives (our "Representatives") will be liable to you for:

(a) any incidental, punitive, indirect, 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, even if we or any of our Representatives have been advised of their possible existence; nor? (b) any direct damage loss or expenses arising from loss of customers, loss of profits, loss of anticipated profits or loss of savings.

*Termination. You may terminate this Agreement, for any or no reason, at any time, when IMN receives notice from you. IMN may terminate the Agreement and your account for any reason or no reason, at any time, with or without notice. This cancellation shall be effective immediately or as may be specified in the notice and may include disabling your current and future access to DirectConnect. IMN may also suspend or terminate this Agreement if you invite other users with whom you do not know to connect; abuse the any DirectConnect messaging services; creating multiple or false profiles; infringe on any intellectual property rights, violating any provisions in this Agreement, disparage IMN or its executives, Board members, affiliates, staff or other related entities or persons, or exhibit any other behavior that IMN, in its sole discretion, deems contrary to the purpose of the website.

*No Waiver. Failure by either party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy.

*Entire Agreement. These terms (including any terms incorporated by reference in these terms), constitute the entire agreement between you and us with respect to your access to and use of the website or receipt of any service and supersede all prior agreements, negotiations and discussions between you and us relating to the same.

*Law and Jurisdiction. Where you visit, register and/or subscribe to a this site or related service (as indicated on this website or otherwise notified to you), these terms (and any dispute or claim arising out of or in connection with these terms, including non-contractual disputes or claims), 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. Any action to enforce these terms shall be brought in a federal court or a state court located in the state of New York, county of New York, and you agree to submit yourself to the personal jurisdiction of those courts in any such action.

*Force Majeure. 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).

*Severability. If any provision of these Terms is found to be wholly or partially invalid, void or unenforceable by any court having competent jurisdiction or by virtue of any legislation or any other reason, that provision shall be invalid, void or unenforceable to that extent only and no further and the validity and enforceability of the remaining provisions of these Terms shall not be affected.

*Notices. Any notice given pursuant to these Terms shall be made by email 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 website or otherwise notified to you in relation to any relevant service. Any such notice shall be deemed to have arrived if sent by post within three (3) days of posting and if sent by email at the time of transmission.
Information Management Network - Privacy Notice

Introduction - Who we are

Euromoney Institutional Investor PLC (“Euromoney”, “we”, “us” or “our”) is an international business-information group covering asset management, price discovery, data and market intelligence, and banking and finance. The group also runs an extensive portfolio of events for the telecoms, financial and commodities markets.

For a full list of our brands and group companies, please click on this link. Euromoney and its group companies are committed to respecting the privacy of every person who visits, registers with or subscribes to our websites, publications, events and other products or services.

Euromoney is the primary data controller of personal data collected through this website or that we may collect in different ways as described in this Privacy Notice. If you are contacted by our other group companies, they will also be controllers of your personal data. This means that they are responsible for how your personal data is used, just as we are. You may contact any of these companies directly, or you can contact Euromoney by emailing dataprotectionofficer@euromoneyplc.com or writing to the Data Protection Officer at Euromoney Institutional Investor PLC, 8 Bouverie Street, London EC4Y 8AX, United Kingdom.

This Privacy Notice was updated on 23 May 2018

Our Approach to Your Privacy

This Privacy Notice outlines the information we may collect about you in relation to your use of our products and services (“personal data”). It also explains the legal rights that you have in relation to your data and how you may exercise these rights.

Some of our group companies may collect and use personal data for different purposes; those companies have their own websites and privacy notices.

We will process your data for the following lawful purposes: with your consent; to fulfil our obligations to you; and where there is a legitimate interest to do so.

When possible, we rely on your consent to use your data for the purposes described in this Privacy Notice. We also process personal data to fulfil our contractual obligations to you, for example, when you register for any of our services, subscribe to a publication, sign-up for an event or purchase a product from us, we will need to process some of your personal data. This will also include details of the person/people responsible for payment (if different).

We may determine that processing your personal data serves both of our legitimate interests. This is the case in relation to many of our research, customer survey, sales, marketing and advertising activities described in this Privacy Notice. These activities allow us to better understand your requirements, which in turn enables us to provide you with a better service. We review the bases for our processing decisions carefully and you can object to these activities at any time (see the “Your Rights” section of this Privacy Notice).

What Personal Data We Collect & Why

Our primary goal in collecting personal data from you is to give you a relevant customised experience of our products and services.

  • Registration, Free Trials & Subscriptions

    When you register with our website and/or sign up for a free trial of our products or services, we may ask you to provide your name, address, email address and telephone number, and details relevant to your occupation or employer.

    If you subscribe to one of our products or services, we will also ask for payment details. Credit/debit card payments are processed using a third party supplier and we do not retain the credit card data (see the Third Party Sites of this Privacy Notice). Address details may be shared with third party service providers engaged by us for order fulfilment, delivery and payment collection. This personal data is used by us to complete subscription requests.

  • Events & Conferences

    If you have registered for an event through a group website we may collect personal data including: name, job title, company, address, telephone number and email.

    This information is necessary so that we can complete your registration for the event and provide you with relevant event materials.

    We may also provide delegate details (e.g. name, email) to event sponsors who, subject to your consent, may contact you for their own advertising and marketing purposes.

  • Advertising & Marketing

    We use the personal data you provide us and which we collect from you to inform you about similar products and services which we provide. We may send you marketing communications that are sponsored by our partners and which are targeted to your interests based on information you have provided us such as job title, employer and/or industry. If you have consented to receive information from other Euromoney group companies, we may share your personal data with these companies so that they can fulfil your request to receive marketing materials in accordance with your preferences. We will not share your personal data with any third parties for their own marketing purposes unless you have provided your consent.

    Each of the Euromoney group companies that may contact you is a data controller in relation to the personal data that you have agreed to share with them. If you have any questions or concerns, you may contact the individual company, or us – using the contact details set out in the “Who We Are” section.

    You can opt out from receiving such materials at any time.

    The personal data we may use for advertising and marketing purposes includes your name, email address, job title, phone number, company name/employer, geo location, postal address and data collected using cookies and other similar technology (Please read our separate Cookies Policy to find out more about which cookies we use, how they work and how you can control your cookie options).

    Marketing materials are sent electronically, by post and we may occasionally call you.

  • Online Targeted Advertising

    We use targeted advertising on our websites to display advertisements that are relevant to what we believe are your interests. In order to deliver relevant advertisements, we use third parties to deliver cookies that collect information about your IP address and how you interact with our sites (e.g. browsing information, which articles you have read etc.). This data is used by the third parties to determine which advertisements may be of interest to you.

    We may also share your personal data with third parties to deliver targeted advertising to you on other websites (e.g. Twitter Tailored Audiences or Facebook Custom Audiences). This could include your email address, cookie data, and information obtained from third parties. Third party cookies may also be used to enable us to target advertisements to you on other websites that you visit.

  • Lead Generation and Scoring

    We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.

    We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.

  • Surveys, Market Research & Customer Feedback

    We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.

  • Public forums, message boards and blogs

    Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.

  • Business or Asset Sale

    If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.

    If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.

  • Additional Third Party Disclosures

    We may disclose your personal data to other third parties in the following situations:

    • To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
    • Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
    • If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
  • Email Tracking

    We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).

International Transfers

Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.

We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.

Retention Periods

We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:

  • Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
  • The business rationale for collection and expiry of the purpose for which personal data was collected;
  • Our ongoing ability to ensure the accuracy of the data; and
  • Legal and regulatory requirements.

We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.

How You Can Set Your Data & Privacy Preferences

You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.

Your Rights

You have certain rights in relation to your personal data which include the following:

  • Access & Portability

    You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.

    You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.

    If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.

  • Rectification, Restriction, Objection

    You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.

  • How to Exercise Your Rights

    To exercise any of these rights, please contact us by post or email at the following addresses:

    Euromoney Institutional Investor PLC
    8 Bouverie Street
    London, EC4Y 8AX
    United Kingdom

    Email: dataprotectionofficer@euromoneyplc.com

    Web form: Complete Subject Data Request Form

    We may need to check your identity prior to processing a request.

    Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.

Protecting Your Data

Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.

All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.

Third Party Sites

Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.

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