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Please Choose Workshop 'A' or 'B'
(For Investors Only)
- Your little side investment is now becoming too big to handle, even after quitting your full time job. Now that you are all in what are the steps you need to take to increase your growth and profits.
(For Investors Only)
- You have done the friends and family fundraise and want to take it up to the next notch. Was your initial fund raise less than a smashing success? This discussion with other up-and-coming and first-time funds will highlight real life experiences and the harsh realities of what is needed to succeed on an institutional-level.
- Identifying the current drivers of the SFR market
- Which one of the backdrop risks will have the biggest impact on the economy?
- Rents and prices rise as economy improves… Comparing SFR vs. other residential products?
- Home supply: Where is it going?
- Looking at the fracking economies… Opportunity or not yet
- Are tight underwriting standards for homebuyers continuing?
- Rental rate/home builder affordability math
- One in ten households currently rent homes… Will this equation increase or decrease?
- Population predictions and their impact
- HELOC resets…. A source of supply?
- Impact of the new Presidential administration
Dennis Cisterna III
Walter 'Wally' Charnoff
- How much are you looking to buy this year? Sell? Why?
- What markets do you like? Why? What were the economics behind your last purchase?
- Where have economies of scale work the best? How much cost savings can you say is due to operational efficiency within a market? How many units are needed to reach that level?
- Outsourcing policy - What are you looking for in a partner?
- Lending vs. owning
- Still trading below liquidation level? What have you been doing? Would you liquidate?
- What has been your biggest operational challenge? Portfolio integration?
- What are public vs private investors looking for?
- Preparing for securitization refinancing...
- Public vs. private...REIT vs. funds...Equity vs. debt...Evaluating the optimal structure and cost of capital for your entity and its strategy
- Entering a new market...What is your strategy?
C. Jay Byce
Please Choose Track 'A' 'B' or 'C'
- What are your perm loan qualifications?
- What are some of the hurdles that private finance companies pose?
- Using cash for initial acquisition, then financing after the rehab...How do you look at?
- Single home vs. portfolio structures
- What products/georaphies won't you finance? Where is your sweet spot?
- Deal terms: LTV, LTC, costs, timeframe, servicing, cash management
- Negotiating the standard loan documents
- Borrower reporting necessary
- 5, 10, 30 year products differences in terms and underwriting LTC, TLV, guarantees
- When to get in/out/hold: The flip vs. hold decision
- What is your long term plan?
- How big is the retail vs. institutional buyer price gap? Does this change in the luxury or other sectors/ geography?
- The retail option - The returns vs. cost and effort of the one-by-one sale
- Do you have control over when to liquidate?
- Disposition potential barriers?
- Factoring in market conditions
- Financing your last rehab
- Aligning your potential sale with the rehab...What is your standard rehab for sale? When to go high end on finishes?
- What systems do you use to manage the rehab?
- Do you have in-house staff or outsource?
- How have you shortened your rehab time frame?
- How much do you budget for unexpected finds?
- Multiple contractor management
- What are the pros and cons of using a hard money vs. bank or institutional non-bank lenders?
- LOC products
- When to go to private $$ vs. your local banker?
- Capital cost calculation
- What are your hot products/ geographies?
- Interest rates and structures
- Loan to cost vs. after rehab value
- Customer credit background
- For those that have a less than pristine credit history...
- How do you deal with appraisals lagging the market?
- How big of an affect is shadow inventory?
- What are the other key forces that impact valuation?
- Vs. retail prices
- Portfolio vs. Individual home pricing
- Technology solutions
- Considering construction/replacement costs
- How much appreciation are you factoring in?
- Current cash flow
- Cap rates vs. comps
- Drive by appeal...How do you make your exterior appealing?
- How much do you budget?
- The best way to minimize rental turn expenses is to keep a good tenant...What is your secret sauce?
- When do you keep a problem tenant vacancy?
- Turnover seasonality
- Balancing turnover costs vs. raising rent
- Marketing automation
- HUD guidelines on running criminal background checks for prospective tenants
- Reviewing the acquired portfolio for open litigation cases, insurance coverage and claims
- Where is pricing?
- Issues around aggregating loans
- Multi vs.Single borrower structures and risks
- Refinancing's...How are they going?
- Is the leverage expected to rise?
- Performance of the first generation...Is it all that has been advertised?
- Tweaks by the rating agencies
- Investor interest ...Is it broadening?
- Are rental rates boosting securitization?
- Rent to own securitizations
With 74% of all apartment buildings consisting of less than 19 units this is a plentiful asset that single family rental owners should seriously consider. Discussion will include
- Multifamily vs. Single family rental economy and market dynamics
- Comparing financing for 2-4 vs. 5-19
- Outsource vs. self-manage and the management transition
- Role of rental control
- Going outside you market
- Financing: Equity vs. debt
- Opportunistic vs. core plays
- The ABC’s of apartment class
- Construction vs. acquisition
- Property management
- “A man got to know his limitation:” Evaluating where your organizations and your expertise lies
- What size operation should consider outsourcing?
- Options when spreading to new markets
- Partial outsourcing models
- If you outsource do you lose the ability to add value-added tenant services?
- Have you built your own property management technology or are the off-the-shelf systems now adequate?
- Developing in-house vs. hiring new, experienced employees
- Is it worth the time to manage operations staff?
- What should be your property management expense for in-house and outsourced approaches?
For more information please click here
- Spa Biltmore
- Dining at
- The Wright Bar
- Wright’s at the Biltmore
- Frank & Alberts
- The Links Course
- Biltmore Pools and Cabana
- Fitness Classes
For more information on any of these options please visit www.arizonabiltmore.com/
- Raising money under the new 2012 Job’s Act Provisions
- The new TILA-RESPA integrated disclosure rules on commercial lending
- Current underwriting and legal traps affecting the space
Are among the key legal issues that will be touched upon at this interactive small group meeting.
Plus: What is on your mind…
Everyone will have an opportunity to discuss with the group some of the key legal issues that they are thinking about…
- Seller finance strategies
- Innovative way to use the 121 exclusion
- Gain determination
- Balancing deferral vs. tax payment
- Transaction cost expectation
- Using a 1031 strategy to gain entry into a new market while leaving an old market
- Tenant in Common vs. Delaware Statutory trust
- Using a 1031 strategy to gain entry into a new market while leaving an old market
- Tenant in Common vs. Delaware Statutory trust
- Multiple property exchange complexities
- Comparing the services of 3rd party custodians
- Impact of portfolio flexibility & diversification
- Lending $$ from your IRA
- Comparing the various IRA structures and what works best for SFR investing
Want to learn more about the National Rental Home Council and the benefits of membership? Join us for a welcome reception at 7:00 PM in the Frank Lloyd Wright Ballroom GH. Beverages will be served.
Please Choose Workshop 'A' or 'B'
(For Investors Only)
- This interactive discussion will have family offices and institutional investors discuss the most successful ways a new manager can approach them to raise equity or debt.
(For Investors Only)
- Where are you going to get the $$?
- Would you need to pay more for properties in your local market to compete with the aggregators? Can the lower margins be offset by higher volume?
- How big does you market need to be to get to 100 homes? Do you need to expand your geographic horizons or sweet spot?
- High end flips… high amount of profits?
- Corporate infrastructure needed
- Insurance programs
Please Choose Track 'A' 'B' or 'C'
- Buying the land… Making the numbers work
- Finding financing
- Working with a builder vs. in-house
- Upkeep and management vs. traditional scattered site ownership
- Do you have community facilities? What is the ROI?
- ROI, performance and exit strategy
- How much of a premium do new houses fetch vs. old? What are the costs? How long will it take to catch up?
- How many flips are you doing this year? How many will you be doing next year? How will you be getting from here to there?
- Finding the “right” property… How are you sourcing opportunities?
- What are your anticipated margins going into the deal?
- How do you insure that you are accurately predicting expenses and expected ROI on rehab
- Cash vs. borrowed $$ and getting the financing in place
- Working with an investor(s)
- Built in controls so you achieve ROI
- Role of foreign buyers
- Flipping for investors vs. flipping for retail buyers
- How do you compete with the big boys?
- IRS stuff
- Why did you look to change?
- Are rising interest rates making you consider any changes?
- Going down the income chain
- Going to another location
- Going after another investor type
- Joint ventures to gain expertise
- Considering management
- Considering NPLs
- Acquisition to stabilization and/or disposition
- Financing changes
- Entering a new market… What do you look at?
Haendel St. Juste
- What is your exit plan up front?
- Impact of market liquidity
- Selling to the big guys vs. selling individually to the consumer… What are your decision points?
- What are the signals you looks for that tell you it is time to sell?
- When do you consider 1031 exchanges?
- NPL & Note players
- When do you consider cashing out your equity?
- Is there a point when a problem property becomes too much of a problem?
- What kind of credit background are you looking for? What about if you have a foreclosure in your background?
- Who/what kind of housing products are a candidate for a LOC vs. a bridge loan?
- What is your plan of attack to successfully transition a customer’s financing?
- Some firms are accused of asking for excessive due diligence… What do you call excessive?
- Do you provide equity/equity-like funding?
- Construction management requirements
- What kind of documentation do you need?
- What kind of fees do you charge?
- Using a LOC… Can I get my cash back with financing after the purchase with a term loan?
- What are the key differences in financing a property requiring rehab vs. rent ready?
- The crowdfunding option
- How do you insure tenant payments are on time?
- Automating the marketing
- Phone menus and automation
- Web- and mobile-based applications
- How much do all of these systems cost: One time and on-going staffing & expenses
- Potential tenant applications, credit evaluation and rent determination
- What is your latest customer facing technology upgrade? How is it working out?
- What has changed about your financing approach recently?
- What are your sources of capital?
- Buried by paperwork… Are all the rumors true?
- LOCs vs. bridge loans
- I sat in the fix and flip financing session and the thing that surprised me the most was…
- Using private equity
- Any credit hiccups in the past… Did you have to pay for them?
- Comparing turnkey vs. semi-turnkey How do you price your services?
- Looking for customers… What is the demographic?
- Should you have clients who will be using cash flow to pay bills?
- Foreign investors
- How many homes does the average customer have under management? Do you buy specific properties for specific customers?
- Building your reputation in an environment with some shady operators
- In- vs. Out-sourced management
- Preferred tenant status upon acquisition
- Customer reporting
- What type of information do you give the prospective client?
- Is demand becoming wider as the product has become more common?
- Cashing out the first securitization and replacing the old issue with one with more leverage
- Principal- and interest-only classes… An investor?
- Performance so far
- Why didn’t you invest?
- Stress testing for longer terms
- What is your standard rehab for rentals?
- When do you go top to bottom gut rehab?
- When do you put lipstick on a pig? What will be the difference in future maintenance expenses?
- How do you finance your rehab? What technology do you use to manage the rehab?
- Staffing: On payroll or hire contractors?
- What have you done to minimize rehab time?
- Expecting the unexpected: How much should you set aside?
- Contractor scheduling best practices
- Pricing, valuation and supply available
- Hot Fix and flip vs. rental markets: Comparing the characteristics
- Financing in primary vs. secondary markets
- Markets surrounding hot markets: Poised for growth?
- How much do you need to get paid for the additional risk?
- Your favorite market…
- Scaling up a secondary market
- How long did it take to overlay our operating, leasing and management best practices into the new portfolio?
- The ones that aren’t integrated: What is the decision process for sale vs. add to portfolio
- Occupied homes in need of renovation: What is your policy?
- Inherited sub-quality tenant management
- Under-market rent best practices
- Do you look at tenant income before raising the rent?
- 30 vs. 15 year products… Which way should you go
- Financier hurdles you needed to jump through
- Financing after the rehab… When is that your strategy
- I sat in the financing sessions and the thing that surprised me the most was…
- Points of negotiation and deal terms
- Is the reporting onerous?
- Did you go with non-recourse?
- Do you regularly use multiple financing sources? Why and what are the differences?
- Size, definitions & ROIs of markets
- Responsibilities of property upkeep
- Foreclosure/eviction process
- Reactions to the less than positive press
- Considerations for notes that are made up of alternative collateral
- Documentation… What needs to be present? What can be unlawful?
- Control and who owns the property?
- What type of customer/collateral are your target markets for these deals?
Do you have 1000+ homes? Are you considering going public? Merging with another large player or being acquired outright? Are you wondering how you can fun a more efficient operation? This peer lead discussion, is looking for your to ask questions, and use your experience to participate
- Capital stack and leverage trends… What is the optimal debt stack today? Where should you get it?
- Bridge loans and other short-term options across capital sources
- Leverage and what adds value to a project
- Term of debt… Should you go longer as interest rates are expected to rise?
- Blended structures
- Debt to equity conversions
- CMBS and life company structures
- Where have banks been competing?
- Crowdfunding… What is the capacity
- Mezz loans/preferred equity, short-term/bridge and senior debt updates
- Recourse vs. Non-recourse
- How much debt is too much debt?
- What was the asset and structure of your last deal?
- Contrasting the note and single family rental macro economy
- Self-directed IRA’s as a financing source
- New regulatory hot buttons
- Finding inventory, acquisition strategy and necessary due diligence
- Servicer issues
- Foreclosure and bankruptcy
- Seconds, seller financed notes, partials and collateral assignments
- Pricing trends
- Getting a non-performer to re-perform
- Buying from the government
- Buying from the banks
Do you have 100-750 homes? Have you gotten through your first non-family and friends fundraise? Are you wondering how you can improve your operations and grow? Looking for investment bankers to help with decisions like should you be selling to the larger aggregators? Are you ready for the next step? This peer lead discussion, is looking for your to ask questions, and use your experience to participate
- Earnings what really has been moving the needle?
- Recent mergers… What is next?
- Locations that are going in and out of style
- Rent: How much room is there to push on the renewal side and your thoughts on tradeoff between rent growth and lease turnover?
- Have you been disposing winners or losers?
- Working with smaller players: What are your requirements?
- What have you found to be the best practices for portfolio integration?
- Have you been looking at the government note pools?
- Process improvements: Where has your biggest focus been?
- Operating and performance metrics… What do you pay most attention to?
- NRHC – The Voice of the SFR Industry
The Tank Leader: Colin Weil, Co-CEO and Co-Founder, Mynd;
Jack Helfrich, Sr, Account Executive, Civic Financial Services
The Property Owners: Will present the following portfolios that need financing
Michael Figueroa, Managing Member Intuitive Capital Solutions LLC
Jared Garfield, Vice President-Acquisitions The Whitmire Group
- How long does a vacant property sit before it gets rented
- Rehab: What is the timeline and how much more should you get for rent after?
- Managing the risk and local regulations of vacant properties
- Low- vs. Hi-end markets
- Cost of getting a tenant
- How important is credit strength of the tenant in a cash-flowing property
- Role of neighborhood quality
- Portfolio vs. single home acquisition
- Pricing for owner-occupied vs. vacant
- How much is your “friction” cost?
- What sources have you used to acquire your existing portfolio? What are your buying price targets and yield bogeys? Has it changed as your markets have become more competitive?
- Creating an efficient acquisition machine… What are the key elements?
- Fee expense and cost management best practices
- Do you buy companies, portfolios or single houses?
- Do you continue to buy in an upswing market and sacrifice yield for company growth? * What has fallen off of your acquisition radar recently?
- What is your preferred tenant status?
- Return on equity goals and Capex assumptions for additional improvements
- Bulk buying vs. buying individually in high numbers
- Alternative SFR assets… What do you look at?
- Acquiring for large investors… War stories
- What is your investment and acquisition strategy?
- Is your single family allocation part of a larger, general or dedicated fund?
- Capital raising… Where is the interest?
- Capital structure options
- International investor demand for product
- Exit strategy
- Performance and track record
- Keys to working with us
Dennis Cisterna III
- Are the demographic drivers supporting sustainable long-term demand growth?
- Impact of importance of portability
- Affordability, interest rates and credit trends
- Young families with past foreclosures… As time passes are they staying with rental or jumping back into the homebuyer pool?
- As millennials are starting families are they renting or buying? What is the effect of student loan debt?
- Are baby boomers becoming renters upon retirement?
The Tank Leader: Rick Sharga, EVP, Ten-X
The Buyers: Will evaluate the following projects for acquisition
Randy W. Hagedorn, Director of Acquisitions Broadtree Home Rentals
Andrew Lester, Managing Director GIL Fund
Michael Cook, Director GTIS Partners
Stuart Denyer, President New Western Acquisitions
Mid-High Priced Homes in Atlanta: RJ Palano, Director of Acquisitions Buy Cash Flow Properties;
Small or Large Home: Jason Hartman, CEO & Founder Platinum Properties
Cap rates, supply/demand, rental growth, cash flows, demographic changes; vacancies and all the rest will be among the key factors to be discussed
Please choose the market(s) you are able to cover. Each speaker will be assigned one. NE/Mid-Atlantic; No. Cal/Pacific NW; Southeast;
Session Chair: Eddie Wilson, President Affinity Group
Arizona; Ed Barasch, Senior Advisor The Empire Group of Companies
Chi/Midwest; John Knab, Director Americas Housing Alliance
Las Vegas: David Zussman, Chairman, President & CEO Realty Fund Management, Inc.
Southern California; Pete Asmus, CEO The Turnkey Investor
Texas: Altaf “Alex” Hemani, CEO/President ALNA Properties
Save sessions of interest, print for onsite use and insert to calendar for auto reminders.
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*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.
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 firstname.lastname@example.org 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
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).
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.
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).
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.
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.
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.
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
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.
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.
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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