Banks & Mortgage Originators Working Out NPLs/Buy Loans
  • Pricing the sales of NPL’s in a market where future value of property is uncertain
  • How much debt are you planning on selling in the near future? What kind of notes and properties do you look to sell?
  • Which disposal road do you use? Do you dispose internally or outsource the function?
  • Any early pattern of defaults you are noticing?
  • Restructuring approaches
  • How to be approached by a note buyer
Changing Regulatory Environment: What Note Buyers, Bank Workout and Default Servicers Need To Know

• What are some of the changes that have been coming out of the new congress? State government?
• Lending space regulations
• Legal issues facing longer term delinquencies
• The structure of the GSEs
• Property preservation requirements
• Notes and opportunity zones: What you should know
• Implications of new tax law for note investors
• The CSFB and new regulations pertaining to servicing Anything note buyers need to know?
• Changes in the federal regulatory landscape for mortgage origination and servicing
• State law changes: Sunset/replacement for the California Homeowner Bill of Rights
• HOA lien priority issues

Large Institutional Players: How Are Your Strategies Changing As The Expensive Gets More Expensive And The Scarce Gets More Scarce?

• Working with and joint venture partners: What are you looking for?
• What do you see for the future of the market?
• Risk management best practices
• Are politics impacting the way you invest?
• Securitization: Do you securitize your notes? Invest in securitized paper?
• Due diligence on a portfolio level
• What is your NPL/RPL buying strategy?
• Tenants and toilets: When do you go REO?
• Asset management and servicing: What are your latest initiatives? Outsource or keep in-house?
• How does your view on the economy and interest rates influence your strategy?

Macroeconomic Outlook and Implications for the Residential Mortgage Market
  • How are you preparing for a downturn? Rising rate environment?
  • What should a note buyer know about demographic changes
  • Note supply factors
  • Is there a small servicer shake out underway? What is the impact?
  • National housing policy issues to consider
  • Should you begin to sell off assets into this strong market?
  • Current market liquidity
Working With Not-For-Profits
  • What is your note/NPL strategy?
  • Community impact pool: How are you working with the GSEs?
  • Joint ventures with note buyers and sellers: What do they look like?
  • Loss mitigation strategy
  • Is the end game home ownership?
  • How much are you acquiring?
  • Do you use the federal government for supply?
  • Role in neighborhood stabilization
  • Funding sources
  • Partnering with Municipalities 
The Future of the NPL Market-What Forces Can Greatly Alter The Status Quo?
  • 2020, the political climate and the rise of populism
  • Interest rates and the economy
  • The global markets
  • Strength and depth of the servicing market
  • Rise of the institutional REO market
  • Increase in natural disasters
  • What changes that seemed to be in the future are already here?
  • What to know about “Generation I”
Buy To Hold Vs. "Buy-Reperform-Resell” Vs. REO
  • Do you have different buckets for different products?
  • Have you transferred from one strategy to the other? Why?
  • Do you incorporate different strategies in different locations?
  • Dealing with servicers vs. property managers; Owners vs. renters
  • Creating Notes: Transforming REOs to notes and lending to institutional REO buyers
Quantifying, Assessing & Managing Note Default Risk
  • Review at acquisition
  • Pricing risk
  • Risks unique to different product types
  • Evaluating the buyer vs. the loan
  • What have you tweaked regarding your risk standards?
  • What functions have you brought in-house to decrease risk?
  • Follow up practices
  • Curing title issues
  • Vendor management: What do you look at while on-sight? 
  • Do you use 3rd-party diligence providers?
  • Senior status
Firsts vs. Seconds Market: What Is The Risk/Pricing/Yield You Are Looking For?
  • Non-performing/performing/re-performing 1sts vs. 2nds
  • Considering the amount of equity
  • State considerations
  • Regulatory considerations
  • Getting wiped out
  • What is found during the due diligence stage that can get you in trouble
  • When do you buy the first and the second?
Re-Performing Notes: Pricing, Volume, Supply/Demand & Other Key Market Trends

• What are the pools from the government looking like?
• First vs, Second liens
• What will it take for prices to go the other way?
• When do you securitize? When is securitization not the best approach?
• Valuation drivers and methods
• Deferred balance issues
• The management side of things
• Re-default strategy

Neighborhood vs. National-Which Way To Go?

You are getting bigger and valuations are getting tighter… Does it pay to expand the range of your note knowledge from local to national? What kind of legal and regulatory information do you need? What kind of returns can you make? This session will debate if the grass is always greener.  

Generating High Returns In The Low Balance Market

• Defining the market
• Origination dates you look for
• Evaluating the low balance first market
• Notes on low value properties
• Pricing and valuation: Do BPOs usually overstate the value?
• Since it takes as much blood, sweat and tears to work out a high value loan as a low value loan why do it?

Commercial vs. Residential Loan Investing

• Where are you finding commercial notes today?
• Multifamily, construction, owner and non-owner occupied loans: Where is the relative value today?
• Mortgage vs. non-mortgage commercial notes
• Comparing cure methodologies
• Residential vs. commercial bankruptcy
• Risks and advantages of performing vs. non-performing Servicers out there
• Loan to flip vs. loan to own

Growth Decisions… Getting to 20 Million

(Closed-Door Pre-conference discussion for note buyers only)

• Where are the hot spots?
• Is Puerto Rico international?
• Macroeconomic, legal and political overview of countries with high levels of NPLs
• How is the global NPL market changing?
• European banking authority role
• Bad bank/Good bank approaches
• Improving liquidity through government guarantee schemes
• Role of securitization
• The international servicing market

Measuring Market Volatility

• What are the causes of volatility in the note and NPL market?
• Dealing with 75 basis point swings
• Which sectors are more sensitive to swings?
• Deal re-pricing: How much damage?
• Volatility vs. other mortgage products
• Do you think volatility will lessen considering the current Fed policy?

Buying From The Hedge Funds

• How are you finding the hedge funds?
• What kind of prices are they looking for? Structure?
• Pool composition
• Do they think they are smarter than you?
• Why were the selling?
• If you can’t beat them, join them-The joint venture options


• NPL vs. REO re-trades
• What are your pre-qualification standards?
• Prevention strategies
• From the special servicer/lender perspective
• Adding the most value
• What are the issues that cause a price reduction?
• Risks and timelines
• What kind of missing information results in a re-trade?
• Highlighting the hidden opportunities
• Compressing the due diligence time frame

Acquisitions, Due Diligence & Pricing-Impact of Time/Capital/Desired ROI/Exit Strategy on Price

• Are you acquisitions standards changing due to the lack of supply?
• What kind of discounts are currently out there for the paper you are looking to buy?
• Servicer sales: What is available?
• Securitized markets
• The liquidation strategy
• Getting a non-performer to perform
• Compliance and due diligence review checklist-What are the latest additions?
• What is the latest change in your acquisition strategy?
• Acquiring firsts vs. seconds

Alternative/Non-Traditional Acquisition Sources

• Using data mining to find product
• The judicial foreclosure market
• Keeping your ear to the ground: Can you find business among friends, family and business associates?
• The pre-settlement funding market
• Bankruptcy trustees as a source

Buying & Selling… Large vs. Small Bulk Buying vs. Individually in High Numbers

• Making sure you have no kick outs
• What kind of sellers do you want to work with?
• Structuring reps and warrants
• Technology and automation available
• Making sure the price is right- The assets overview, factors involved: 1sts & 2nds
• When to start asset level review? What buyers are looking for in due diligence that sellers needs to be prepared for?
• Dirty pools and major defects: Pricing, curative actions, timeline to successful resolution

Acquiring & Managing For Institutional Investors

• Compensation and fees
• Management agreement: What should be present?
• LLC vs. limited partnership and other entity-level challenges
• Lessons learned, advantages and disadvantages of working with
• What are some of the mistakes that you have helped institutions avoid?
• What happens when an institution has two+ agents in a market? What happens when you both bid on the same loan?
• How is your venture structured? How are you paid?
• Taking the next step… Joint ventures
• What is the typical volume and transaction size for these structures? How many AUM per vehicle?  What are the metrics-cost per note, cash yield per property, expense ratio per property?

Finding Distressed Product

• Sources of acquisitions
• Properties damaged by natural disaster
• Pricing: Can you buy and make a profit?
• Picking neighborhoods soon to rebound: What are the factors you look at?
• Buying for rental portfolio vs. a quick flip
• Buying the paper to get at the property
• Leaning towards liens?
• The government channel? The tax lien market?  
• City-owned land banks and working with not-for-profits
• What kind of kick outs are you curing that others aren’t?

Acquiring From The Government

• The politics of the market: Any impact?
• How much debt are you planning to sell?
• Looking at the latest HUD sales
• Trickle down sales: What is coming from the institutional buyers
• Any changes on reps and warranties?
• Do you expect the recent natural disasters will add to the supply?
• The focus on community impact pools and stabilization… How has that changed things?
• Due diligence: How much time, money and effort did it take?
• Evaluating pool quality and time to resolve: Was it as advertised and expected
• What’s the remaining supply & how do you see that being brought to the market in 2018 &2019?  

Financing: Using Equity And Debt

• Sources of debt
• Hypothecation: Any new wrinkles
• Securitization and what investors are demanding
• What’s out there for the bigger and little guy
• The repo market, HELOCs, bridge financing & letters of credit: When do you use?
• Where do you get your equity from?
• Joint ventures with other investors to buy pools 
• Crowdfunding and other alternative funding sources
• Using partials to finance additional paper

Curing Problematic Loans-Evaluating Time, Effort and Brain Damage Necessary

• Working with municipalities to cure

• Code enforcement
• Addressing liens
• Property taxes vs. water liens
• Working with HOAs
• Issues during foreclosure that are overlooked and cause problems
• Fraud-related problems and solutions
• How much do you make on the sale?
• Finding missing documents
• What kind of work do you outsource? Do yourself?

Best Practices in Managing the Servicer/Subservicer/Asset Manager/ Note Owner Relationship

• How do you know you have a fit?
• Servicing transfers: Best practices for note buyers
• Smaller servicer financial strength
• Servicing valuations
• Managing risk exposure on a loan, entity and industry level
• The servicing industry-macro issues
• Talking to the buyer: What kind of regulations do I need to pay attention to?
• In what kind of situations are servicers taxed above their bandwidth?
• The latest natural disasters: What went down and what was learned
• The next downturn…

Portfolio Management: What Are The Best Practices & Carrying Cost Minimization Strategies?

• When is self-insurance the way to go?
• What goes to the services? What stays in-house?
• Statements and reporting
• Technology and software solutions
• Once a client get behind payments…
• Insourcing, outsourcing & staffing your portfolio management team
• Performance management and reporting
• Compliance management

Outsourcing vs. In-house

• What are some of the functions that you outsourced? Insourced?
• How much time did you free up by outsourcing? What were some of the things that you did that made your company more money?
• How much time did you need to allocate to manage the outsources
• Onboarding strategies
• What do you think it is important to manage internally?
• Outsourcing as part of your scaling strategy

Default Rate Drivers

• How much is just the economy? Job loss? Medical?
• How did the 2nd quarter go? How is the 3rd quarter looking?
• Default patterns in your portfolio: What are you seeing?
• Default profile vs. prior cycles
• Impact of equity in house
• Post default recovery influencers
• Modification and re-default recovery drivers

Which Modification And Workout Strategies Will Keep You Out Of Court And Results In The Best Future Cash Flow?

• When is foreclosure your goal?
• Modifications done quickly vs. those that string things out… Considering the time value of money
• What should you do? The servicer?
• Making the payments affordable: What kind of terms do you offer?
• Best Ex when non-foreclosure alternatives run out
• Cash for keys, leasebacks, forbearance agreements, deed-in-lieu and other non-foreclosure options
• Managing pre-foreclosure REO
• Mediations, settlement conferences and loss mitigation hearing: Which has you had the most success with?
• The threat of foreclosure: Does it work?
• Working with not-for-profits

Legal Recovery Best Practices For Creditors: Foreclosure/Bankruptcy/Chapter 11 In Judicial, Quasi-Judicial & Non-Judicial States

• When do you put a property in foreclosure
• Working with multiple lenders
• When do you put a property into foreclosure? What is the cleanest process?
• Firsts and seconds
• Changing foreclosure laws you should be aware of
• What do you do when the borrower declares bankruptcy? 
• Countering delaying tactics
• Vacant vs. occupied properties

Regulators Panel… What Are Your Hotspots: Recent State & Federal Litigation & Legislative Changes

• Where have licensing requirements recently changed? Physical presence requisites?
• Any updates on the judicial side? Does judicial equate longer foreclosure times?
• RESPA and FDCPA compliance
• Non-Bank regulatory update: What does a note holder need to know?

My Agenda
Try out our new My Agenda feature.
Save sessions of interest, print for onsite use and insert to calendar for auto reminders.
Sign In
Sign in with LinkedIn
Contact Information
1120 Avenue of the Americas, 6th Floor
New York, NY 10036 USA

Phone: +1 (212) 901-0506
(8:30 AM - 5:30 PM Eastern Time / Monday-Friday)


Event Contacts for The 4th Annual NPL Notes & Default Servicing Forum (West)


Below are the terms and conditions governing your use of EIMN, LLC ("IMN") this website and any products or services connected therewith. By using the website or services connected with the website, you acknowledge and agree to the following:

*Your Obligations. You represent and warrant that you have the capacity to agree to these Terms and you are at least eighteen (18) years of age. To the extent any individual accesses a Site or uses a Service as an employee, partner, director, agent or representative ("Agent") of any legal entity which is a Subscriber, the Agent warrants that he or she has authority to agree to these Terms on behalf of the relevant legal entity.

You will procure that you and any licensed user under your subscription will: (a) comply with all applicable laws in relation to the site and services, including without limitation, laws relating to the use of Intellectual Property; (b) not use the site or the content outside the scope of permitted use and will not infringe any Intellectual Property or other rights in or relating to the site or the services or of any third party; (c) not copy, reproduce, recompile, decompile, disassemble, reverse engineer, upload, download, transmit, create derivative works from or otherwise exploit or tamper with the site or any software embodied in any site or service; (d) not prevent or restrict the use of any site or service by other authorized users nor hack into or cause damage to any server or other equipment operated by us; and (e) comply fully with these Terms.

*No IMN Warranties or Representations. IMN makes no warranty, express or implied, concerning any use of this website or any service or product provided in connection with this website. The services and products provided by IMN are provided on an "AS IS" basis. IMN disclaims any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use or the results of the use of the products or services. IMN is not responsible for correcting, maintaining or updating the data and services made available on this website.

Any material and analysis provided by or through IMN or this website is not a recommendation that must be followed or an offer, or solicitation of an offer to buy or sell any financial product; IMN does not recommend that you enter into a particular transaction or represent that any product or service described on this website is suitable for you or your company. Nor is any information displayed here promoting any particular financial product, service or trading strategy in any jurisdiction where such an offer or solicitation, or trading strategy may be prohibited. As all prudent investors know, some transactions, including but without limitation, those involving high-yield securities, give rise to substantial risk and any investment decision you may make is your own. You should not enter into any transactions unless you have fully understood all such risks and have independently determined that such transactions are appropriate for you. Any discussion of the risks contained herein with respect to any product should not be considered to be a disclosure of all risks or complete discussion of the risks mentioned.

*Restricted Use. As a user of this website, you are not permitted to display, modify, copy, print or otherwise use the information made available to you here only for your own use. You are not permitted to publish, transmit, or otherwise make this information available in any format to any third party without the prior express written consent of IMN. You also are not permitted to change or remove any copyright (©), trademark (®, SM, TM) any other notices displayed with the information. IMN can modify the information at any time and for any reason at its sole discretion. Unless expressly stated otherwise herein, no rights are granted to you regarding the information on this website from IMN or any other source, including third party providers of information for this website, which shall under no circumstances be liable to you in any way.

*IMN Monitoring. Your use of the products and services on this Web site may be monitored by IMN in any lawful manner, and that the resulting information may be used by IMN for its internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization.

*Website or Internet failure. IMN shall have no liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to this service, or for any interruption or disruption of such access or any erroneous communication between IMN and you. IMN also does not warrant or represent that the website shall be completely secure, specifically including without limitation, that no unauthorized person shall intercept or access information transmitted by you.

*Website Access. Access to this website is restricted by password and only authorized IMN registrants may use the website. Any unauthorized access shall be the responsibility of the Registrant and his or her company and IMN shall not be liable for any damages arising out of such unauthorized access. You agree to: (1) Keep your password confidential; (2) prohibit others from using your account; (3) refrain from using other Users’ accounts; (4) refrain from selling, trading, or otherwise transferring your account to another party; and (5) refrain from charging anyone for access to any portion of DirectConnect, or any information arising therefrom. You are also responsible for anything that happens through your account unless you can demonstrate that your account was accessed without your knowledge or fault.

*User Communication. To the extent permitted while using DirectConnect, you can use and participate in groups, free to post and delete comment on the website. You are solely responsible for your interactions with other users. IMN may limit the number of connections you may have to other users and may at its sole discretion prohibit you from contacting other users through use of the Services or otherwise limit your use of the Services.

If you violate this Agreement while posting, that content may be removed without further notice or the rights of others posting here. Nothing you post here is confidential or proprietary and you are cautioned that other posters or viewers may use any information posted here. By posting here you agree that IMN is not responsible for the misappropriation or misuse of any information posted on this website.

*Privacy. Any submissions, including private personal information, like names, addresses and so on, are voluntary and you waive any and all rights you have to the protection of that information. By submitting ideas, suggestions, documents or other matter ("Submissions"), you agree that: (a) the Submissions are not confidential or proprietary information; (b) IMN has no obligation to keep the submissions confidential; (c) IMN can use or disclose the Submissions for any purpose, in any way, in any media worldwide; (d) if asked, you will irrevocably assign to IMN all rights to your Submissions; and (f) you are not entitled to any compensation of any kind from IMN under any circumstances.

*Content by Becoming a User of DirectConnect: As part of obtaining registration access to DirectConnect, unless you opt out, you may receive invitations to network from other conference attendees. We may also send you emails to keep you updated on developments in the site and services. Your registration for and/or subscription to such an email service and your use of the content received through these email services will be subject to these terms. You can unsubscribe to our email service by changing your email preferences on the website.

*License. If you comply with all your obligations under this Agreement, IMN grants you a limited, revocable, nonexclusive license and right to access the Services, through a generally available web browser, mobile device or application view information and use the web pages and in accordance with this Agreement for your use only. Any other use of DirectConnect is strictly prohibited. All rights not expressly granted in this Agreement, including, without limitation, title, ownership, intellectual property rights, and all other rights are retained by IMN.

*Anti-Hacking. You expressly agree not to use or attempt to use any "virus," "spyware," "malware," "adware," "Trojan horse" "deep-link," "scraper," "bot," "spider," "data-mining," "computer code" or any other automated device, program, tool, algorithm, process, or methodology or manual process having similar processes or functionality, to access, acquire, copy, or monitor any portion of this website or content. You also agree not to obtain or attempt to obtain through any means any materials or information on the website that have not been intentionally made available either by their public display on the Web Site or through their accessibility by a visible link or portal. You further agree not to violate the security of the website or attempt to gain unauthorized access to the website, data, materials, information, computer systems or networks connected to any server, through hacking, password mining or any other method.

*No Linkage. You expressly agree not to link or attempt to link to this website or the web pages contained herein.

*Third Party Information. Some of the information you access here is the property of third parties, made available here with the express permission of those third parties. IMN is not responsible for the content of any third party information provided on this website. You are cautioned that any further use of that information by you may be subject to the rights of those third parties and you may be required to obtain a license to use any such information. Failure to obtain third party permission may be a violation of federal law. You should contact the third party provider of the information to ascertain the requirements for using the information.

*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 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


    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.

email already exists, please use "Forgot Password" page to reset a password for an existing account.
(Click "Reset Password" button below and email with password reset instruction will be emailed to you.)

Reset Password