Out of SFR and Into Alternative SFR Assets, Multifamily or Commercial

As home prices rise and ROI falls for single family homes many market participants are looking into different locations to buy homes, playing in different parts of the ecosystem like property management, financing or even leaving the single family market for altogether for different real estate asset classes.  But are there other sub-asset classes within the single family rental market you should consider before you throw in the towel including

• Are you getting an education in student housing? Getting Grandpa’s advice on senior housing? Your kids’ thoughts on co-living?
• Staying in the SFR market but changing your business plan. Turnkey vs. managing vs. financing
• Is there value to be found in the note market? Buying SFR-backed paper?
• Going turnkey
• Can you afford to go into affordable housing?
• Valuation in good and bad times
• Less Than 60K Market  & Section 8/Low Income Housing 

The 7 “Ds”: Finding, Acquiring & Managing Distressed Properties

• Turning lemons into lemonade: Finding the contractors and making the natural disaster damaged home investment work
• How many owners take the insurance $$ and move on?
• 2nd lien removal
• Finding owners who are in trouble and willing to sell: What is your process?
• Do desperate time yield better prices?  
• Has hard line immigration been a panacea?
• Prices have gone up so much, what's the discount on distressed assets compared to non-distressed assets?

Demographics: What Are The Trends And Numbers You Pay Most Attention To? How Do You Use This Information When You Are Considering Entering A New Market?

• Consumer credit outlook
• Has the consumer rent vs. buy decision changed?
• Where is home ownership going?
• Mitigating risk of shifting demographics. Matching rental portfolios for a diverse tenant profile
• Latest millennial numbers & what kind of technology are they demanding? 
• Rural vs. urban markets
• Children and pets
• What are you looking for in a new market? 

Opportunity Zones: The Real Life Case Studies (Panel)

• Will this new legislation allow you to make profits in “C/D” areas?
• What does it mean if you have some of your portfolio inside the zone, some of your portfolio not in the zone?
• Fundraising so far
• Are you just doing SFR in the o-zone or other asset types?
• Will you continue to do o-zone deals?
• Fund administration
• Finding the right structure
• Legal intricacies and tax issues investors and funds need to know
• Risk mitigation 

Opportunity Zones 101

What is an opportunity zone? Where are they located? What is the available step up in basis and hold period? What is the best way to structure you fund will be among the information shared at this tutorial geared toward those interested in investing and finding more out on this new and exciting development

Short-Term Rentals

• Vacation homes are all I ever wanted
• What you need to know about corporate rentals
• Off-campus student homes
• Local government regulation to look out for
• Interior design vs. traditional single family
• How much additional costs is the management and maintenance side of things?
• Winter on the shore, summer in ski areas: What to do when off-season?
• Systems and technology to help manage
• The Corporate market and longer term short-term rentals
• Traveler and business trends to be aware of 

The Risk of Recession

• What would a recession mean to occupancy? Rent growth? The industry in general?
• What can you learn from multifamily?
•What effects are interest rates having on investor participation in the markets, and as investors proceed with caution are prices starting to drop?
• Rent growth & HPA update
 • Where are bubbles developing? Already developed?
• Individual markets and where they are in the market cycle: What is changing?

Economy & State Of The Industry

• Todays politics and the impact on the SFR Market
• The increasingly expensive labor market impact: More expensive labor vs. higher rent
• Feds impact
• Sand states vs. Rust belt vs. Southeast: Where to put your money
• Different segments and different returns
• Any IPO smoke signals?
• What is the relationship between the volume of house flipping and the housing market?

B/C Vs. Urban Markets: Where to Invest

• What kind of demographic is an urban renter? Suburban renter? How does location impact your acquisition strategy?
• Schools are so important, what is second?
• Walkability, public transit and their importance
• Labor availability and wages
• How much property tax can you carry?
• Ex-urban and rural markets
• Build-to-rent and fix and flip product 

Build To Rent vs. Long Term Acquisition vs. Fix & Flip-Which Way to Go

In this competitive and unpredictable economic and housing environment it is not getting easier to make a profit.  This session will take the 3 main investment choices for the single family rental market participant… Build-to-rent, long term acquisition and fix and flip and compare why the market participant favors one of them and the amount of money that can be made in each.  Some of the discussion points will include:

• Considering commission cost
• Finding land vs. finding portfolios
• Cost of running
• Build To Rent
• Long Term Acquisition
• Fix & Flip


iBuyers & Valuation Automation

• Investment strategy/business model and what range of returns are you targeting?
• What markets/properties are you focused on and where are investors on your platform finding the most attractive investment opportunities?
• What operationally and technologically are you doing to improve execution, drive profitability, and scale the business?
• What channels you’re finding the most success in? Are you investing for your own account or one behalf of investors?
• What does it do to your business model if properties are not appreciation while you are holding them?
• How competitive is the ibuyer market? How many players? What market share do you anticipate the iBuyers being able to achieve?
• The technology used to enhance the business
• How you do you approach building out operations in local markets?

1000+ Rentals: The Large Investor Small Group Meeting

(Small Group Meeting for Owners Only)

Technology development and new systems, outsourcing vs. keeping functions like maintenance in-house and acquisition and disposition woes will be among the points debated in this discussion.

100-750 Homes: Middle Market

Are you getting preferential financing? Optimizing operations? Branching out into small multi units and rental buildings as SFR gets more expensive? How are you mixing and structuring acquisition, capex, improvement, refi, and retail sale with seller finance mortgage to take advantage of owner occupied incentives or real estate tax costs? These questions and more will be discussed at this interactive audience-led discussion.

Large SFR "C-Level" Operations

• What do you do with under-performers?
• Portfolio rebalancing
• Net zero housing: Any interest?
• Dealing with wage growth and higher material pricing
• Rent growth expectations
• How are you keeping your tenant put? How much turnover is expected?
• What do you do to a new unoccupied or recently vacated home before putting back into the rental pool?
• What bells and whistles are tenants paying for? 

Large SFR "C-Level" Acquisitions & Finance

• Are you preparing for a downtown? How?
• Do you see industry consolidation?
 • Under what conditions would you consider selling assets if the market nationally was to decline? Locally?
• Are you buying into build-to-rent?
• What do you look for in a new market?
• Joint ventures with institutional investors and other fundraising efforts
 • Impact of the new iBuyers on the markets you are in
• Internal growth: What you are shooting for and how you are going to get there?
• What is your renter demographic and how does that translate into your acquisitions? 

Mid/Large-Sized Fund Plenary

• What is your overall fund strategy?
• Single family rentals: How are you playing in the market?
• Your LPs and their thoughts on your SFR strategy
• Opportunity zones/single family rentals & their intersection
• Joint ventures: What you look for in a partner?
• Fundraising outlook
• Have you been doing any debt financing in the SFR market?

Getting to 50-100 Rental in Your Portfolio

Virtual assistants, outsourcing vs. additional hires, scaling my business and finding relatively inexpensive funding will be some of the experience discussed in this interactive session where we look forward to hearing your input

The CFO/Finance Head Plenary: Net Profit Margin Improvements, Peripheral SFR Profit Centers & Evaluating The Cost Of A New Tenant Vs. Raising Rent

• Rental Turn Management
• Aging CAPEX: pay now or later?
• Personnel and contractor retention
• Smart home technology ROI
• On-line payments
• Minimizing turn costs
• What is the latest fee you’ve instituted: How well is it working?
• Recession fears: What is the impact on your financing?
• The P&L statement: How’s it looking? What is changing?
• Financing strategy
• Building resiliency into your acquisition and investment management models
• OPx and CAPx expenditures and the variations due to geography/location/sub-market, age of home, class of home,

The Future Of The SFR Market: How Are You Preparing?

• What will be the changes that seemed in the near future are already here?
• Future-proofing your homes
• Recession, inflation and stagflation, oh my
• The regulatory side of things
• What if Trump wins another term? What if he doesn’t?
• Labor supply and automation
• The Demographics of generation “I”
• Energy & power
• Changing weather conditions



Acquiring & Managing for Investors

• What kind of money can you make? What is the structure of the compensation?
• What happens if you buy something they aren’t satisfied with?
• Can an aggregator have more than one agent in a market? What happens when you compete for the same property?
• Rehabbing and maintenance
• Stepping up the relationship: Joint ventures vs. joining the company

Acquisition Shark Tank

Featuring 2 SFR sales pitched to potential buyers followed by a Q&A period for each of the transactions.

Tank Leader: Will Moderate The Session
The Sharks:   Will Be Interested In Acquiring Portfolios Of Homes…
The Property Owners: Will Present The Portfolios For Sale-(Presentation Required)

Using Data Mining, Big/Accurate Data To Search For Properties

• How income, education levels and vacancy effect poverty and crime and thus poor investment performance
• Build to rent market, using data to determine land values and availability in areas where build to rent is viable
• Off-market portfolios, using the data to both facilitate needs of portfolio buyers and sellers as well
• Creating synthetic portfolios from multiple sellers
• Data is about people: What the numbers say about the population and demographics

Acquisition Due Diligence & Pricing

• Ensuring income producing assets fit your business management model
• Market evaluation
• Best practices for large portfolio purchases
• Touring the property: What to look for that others don’t
• Don’t forget the problems you can have without a title
• Zoning and other local regulations
• Seller paperwork: What is a deal breaker if missing?
• What do you consider to be expensive? Too expensive?
• What pricing determinants do you think are under-vs. over-used?

Buy & Hold Acquisitions

• Are you still finding value at auctions? Auction sites? How are you managing risks in the process?  
• Is there value to find in stabilized properties?
• 2-4 family home market
• Finding off-market inventory
• Status of MLS inventory 

Selling To Tenants

• Why are you considering selling to Tenants/owner occupiers?
• Business models and their challenges: Helping tenants to bank financing? Seller financing? Lease Purchase agreements?
• If tenant do not qualify how do you get them eligible?
• Who are your target/ideal customers
• What impact does the current changing market have on you strategy? What challenges do they create?
• Regulatory compliance to be kept in mind


Build to Rent Track

Build to Rent 101

How to make money, specs of what to build, where to build, exit strategy, build & hold, how to finance and information on cash flow will be some of the points under discussion

Build to Rent Overview

• How big is the market?
• What makes a good build to rent market? What are some of the markets you like?
• What markets does BTR work in? What are the commonalities?
• What are the best locations? Urban, suburban, ex-urban
• Advantages & disadvantages of true BTR community vs. traditional multifamily/horizontal apartments
• Demographics of renters
• Cap rates out there 

Build to Rent Land Acquisition & Construction

• Making higher labor costs pencil
• Equity money time horizon
• Who are your competitors for site acquisitions?
• What is the optimal product mix: Building one-off homes on infill lots vs. masterplan communities vs. 100% self-contained community for rent
• Perceived builder risks and/or advantages when purpose building for rent product
• How much of your new product comes from build-to-rent vs. other channels? 

Build to Rent Post Construction

• How much is the maintenance expenses and turn cost vs. traditional single family and vertical and garden apartment communities?
• Lease up practices
• Disposition strategies
• Rent levels and growth
• Tenant demographic and length of tenant stay
• Townhouses vs. detached
• Operating and performance metrics 

Fix & Flip Track 

Fix & Flip Overview: How Is The Current Economic Environment Impacting The Market?

• Impact on where rates and housing prices are going
• Where is the market thriving? Taking a breather?
• Reality TV and its impact
• Increased debt and equity coming into the market: What is its impact?
• Labor scarcity and material cost
• How profitable does a flip need to be for it to make sense?
• Not-for-profits: Competition or partner? 

Flip Acquisition/Disposition

• Best practices in an over-valued market
• Long distance flipping: What are best practices and processes being used to flip outside your local market?
• What to do in a slow-moving market? A market retreat?
• When do you use rent-to-buy options as a disposal method?
• Financing available
 • What goes into your rehab? What impact this decision?
• Doing less deals-keeping more equity: A better option in an environment of less flips?
• Where are you finding deals?


Getting To 50-100 Flips A Year

Should you be doing your own rehabs and property management? What kind of funding should I be using? What class of home will me make the most $$ on? Should I be flipping in the cities or other locations? Should I sell vacant or occupied homes or go turnkey are some of the questions that will be the kinds of growth issues that will be discussed at this pre-conference discussion

Making More Money Per Flip: Improving Rehab Margins

In this era of increased competition from institutions, i-buyers and dumb $$ trying to copy TV flippers coupled with pressures on the cost side from increasing material and labor expenses it is of even more importance to compare notes on increasing rehab efficiency.  This session will touch on such best practices as

• What is the latest process that you changed? How is it working out?
• My mother told me you better shop around: Where are you going?
• Scheduling efficiency
• Technology-enhanced efficiencies
• Financing and organizational efficiencies

The Mega Flipper Panel: Managing 100+ Transactions Per Year

• What are the macroeconomic factors you look for in a market? Sub-market?
• Sources of financing
• What are your options when you can’t sell?
• What are you doing about a more competitive environment, higher acquisition prices and higher rehab expenses
• Structure of business
• Insourcing vs. outsourcing
• How are you finding all of these properties? 

Luxury Market Flips

• A million dollars isn’t what it used to be: Defining luxury
• How many luxury flips do you do at a time?
• How much time does it take from acquisition to sale?
• Permitting and working with the local government
• Financing the flip
• Seems like the luxury market might be slowing down: What is your plan?
• What kind of finishes do you put into the luxury vs. normal flip?
• What if you can’t sell at your price? 

Flip vs. Hold: What Are Your Best Options When House Price Drops During Renovations

• What is your hold flexibility?
• Equity investors: Are they onboard? Do you need to be looking at the investor docs?
• What kind of debt do you have?
• Options in high property tax markets
• More price cuts: What usually works?
• Renting out the property: What are the terms and your medium range plans?
• Considering tax liabilities 



Comparing Equity Fundraising for Long Term vs. Flip Investors

• Attracting long term equity from institutional investors and family offices
• IRA & 401(k) money: What you need to know
• Raising a fund vs. raising money one house at a time
• Foreign and EB-5 money
• Joint ventures with private equity & institutional money: What are the terms, structures and waterfalls to be expected?
• Passive vs. active equity
• Picking a partner: What are you looking for?
• Partnering on flips vs. buy-to-hold
• What are the expected return expectations, leverage/unlevered current yield, hold periods, and IRRs?
• What kind of pitch should you build: What is the downside?

Build-To-Rent Financing

• Fixed vs. floating: Which way to go
• Loan-to-cost, loan to value, time frames, draws and recourse
• Lines or credit vs. bridge loans: Which way to go and why
• Lessons learned in this new sub-asset
• Rejected loans: Why?
• First time BTR investor looking for financing: What do you look for?
• Securitizable asset? 

Short Term/ Bridge for Rental Housing

• What are you looking for in a buy-to-hold investor: Experience levels & background, Credit scores, capital reserves and skin in the game
• Lending criteria and how funds and loans are being deployed today
• How much of rehab and purchase being financed?
• Any markets or asset types we're starting to shy away from?
• New or shifting strategies we're seeing deployed by our investors as we head into a potentially softening market?
• Why would someone consider institutional financing over cash or private money?
• How do lenders protect themselves against inherent risks that are a condition of specific MSAs?

Long Term Debt Financing

• Will Freddie and Fannie continue refinancing portfolios? What you need to know
• What are your views on providing cash out refinancing loans?
• What impact do you think higher rates have had and has it impacted demand?
• What is the demand from the smaller mom and pop operators for loans on 5-20 properties?
• LTV’s for stabilized vs non-stabilized properties?
• Are you seeing more non-recourse vs recourse loans and what is the pricing difference?
• How important is underwriting the property manager when evaluating your credit decision?

Comparing Debt Financing Sources

• Bank vs. non-bank structures
• Securitized structures
• GSE and other available government programs
• Property owners who finance: Are they out to foreclose you?
• Fund debt providers: What do their structures look like?
• Debt sources: Which sources match best with fix and flip, build-to-rent and long term hold? Refi vs. cash out?
 • Short vs. long term debt
• Corporate vs. property debt
• Municipal and federal government debt

Setting Yourself Up To Grow From Financing SFR-The Long-Term Owner Panel

• Short-term vs. long-term financing; 15 vs. 30 year: Which do you prefer? Why?
• Hard money 6 month loan then refinance: When is that the best strategy?
• What are your current sources for financing and refinancing and their economic terms?
• Mistakes new and old investors can learn from
 • Obstacles and how to overcome
• Working with a local lender vs. national lender
• How important are release provisions and associated release premiums

Financing Fix & Flips-Debt

• How do you underwrite Fix Flippers who are not builders? What type of leverage are you giving with those loans?
• Best lending practices in a softening market. How do you protect yourself as a lender?
• Any new or shifting strategies we're seeing deployed by our investors as we head into a potentially softening market?
• M&A impact
• In an increasingly competitive lending marketplace, with very similar terms amongst the players, how do you (as a lender) differentiate yourself?
• Why would someone consider institutional financing over cash or private money?
• How do lenders protect themselves against inherent risks that are a condition of specific MSAs?
• Any markets or asset types we're starting to shy away from? Why?
• Does your company offer a line of credit facility, what benefits does it give to the borrower?
• What are you looking for in a fix and flip investor? Experience levels & background, credit scores, skin in the game, capital reserves

Fix & Flip Financing: The Flipper Perspective

• How do you finance your flips?
• Why did you choose your lender?
• How much equity do you put in deals?
• Do you get the financing deal-by-deal or use a line of credit
• Equity financing sources
• I would do anything for debt but I won’t do that
• Are you changing your financing approach as home prices increase? 

Operations/Property Management

Managing an SFR Portfolio Across Multiple Locations: Building/Keeping Teams and Finding Property Managers & Vendors

• Tertiary market challenges
• Outsource vs. keep in-house: What do you look at?
• How do you approach a new market?
• What is your strategy for keeping key employees beyond the obvious?
• What do you look for in a service provider?
• Technology at the home office: What do you look for?
• Technology in your pocket: What apps are you and your employees using? 

Making the Process More Efficient…Rental Maintenance & Tech

• What are your maintenance expenses? How are you trying to minimize them?
• What is the optimal man hours/maintenance techs per home?
• Long term maintenance policy
• What do you do when a short term renter vacates? Long term?
• What kind of maintenance do perform while the tenant is in the house?
• While on a service call does your tech inspect the house for problems to fix?
• Smart technology in use

Marketing & Getting New Tenants, What Really Works for SFR

• Complying with ADA and Fair Housing regulations
• Tenant screening
• Class “A” vs. “D” tenants
• How successful has your blogging been?
• SEO and what you should know
• The marketing spend and ROI: What has had the most bang for your buck?
• To broker or not to broker? That is the question
• Guerilla marketing experiences 

Technology Vendor Hot Seat… Owner Q&A Session Lead By SFR Owners

This panel will consist of 2-3 owners asking pointed questions to vendors the types of questions you would want answered when evaluating a particular system for purchase.  Audience participation is encouraged.

Tenant Best Practices

• Rental process and lease renewal automation
• Compliance with ADA and fair housing
• What is your rate increase policy?
• What kind of incentives work? Gift cards? Value Add Propositions?
• Value-added proposition your firm offers
• Customer service best practices-Proactive vs. Reactive
• Changing Regulatory Environment-Collections and tenant eviction, new local- and state-level regulations to be concerned with
• When to turn over to the lawyer vs.  Collections services
• What kind of incentives work? Gift cards? Value Add Propositions? 

Building Your Own In-House Property Manager/Broker

• How much does it cost? How much can you save?
• How many properties does it take to make it worthwhile?
• Exclusive brokers agreements vs. in-house
• Handling markets outside your usual geographic area
• Working with institutional vs. turnkey clients 

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Event Contacts for The 7th Annual Single Family Rental Forum (East)


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*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.

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