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Technology and systems used to scale; Increasing access to debt and equity financing working with large lenders and the best way to manage multiple rehabs in process will be among the discussions helping you get the information you need to successfully grow your business.
This interactive discussion will ask questions such as-What are the expected return expectations, leverage/unlevered current yield, hold periods and IRRs. How should you prepare to raise capital from these investors? How can you build contacts and network in these spaces? What kind of pitch should you build? Will be among the discussion points exchanged at this meeting
• Rising interest rates, cap rate compression, decreased affordability. What's next?
• Do you think there will be more consolidation?
• What does the housing undersupply mean to the market?
• Impact of home prices and rents appreciating quicker that wages?
• Where have been the best returns? Where will be the best returns? Why?
• Big mergers… Any impact on the market?
• What global market change can impact the SFR market?
• Local market econometrics-What has been your favorite in predicting outsized local returns? Which factors have pointed towards market trailers?
• Are any of the barriers to home entry falling?
• Any new legislation on the horizon that I should be aware of?
• Harvey & Irma-What will the impact be on building material supply and pricing?
Dennis Cisterna III
• Portfolio acquisitions below 5% cap rate – Would you go that low? How would you make it work?
• Under what conditions would you be the acquiree/acquirer of an SFR entity?
• Vertical integrated vs. partnering with local operators?
• How you handling the regulatory risk of bad PR?
• How are you handling margin compression?
• Maintenance and capex spend especially on first generation acquisitions
• New market strategy
• Increasing operational efficiency & bottom line net profit margins-operating & performance metrics, expense ratios, benchmarks & best practices
• Are you looking at non-traditional single family assets?
C. Jay Byce
John Hope Bryant
Please Choose Track 'A' 'B' or 'C'
• Are you finding more competition out there? How has that changed your business?
• How has/will securitized loans change the market?
• Are you being backed by private equity-How has that changed the way you are doing business?
• Construction loan-type structures out there
• Interest rates, fees and qualifications
• Impact of property value and equity
• Cash out refinancing
• FHA 203(k) loans
• Interest-only structures
• LTV levels for home purchase + rehab
• Is it practical with the lack of vacancies available to wait for them?
• What kind of cash flow are you looking for
• Rehab and the tenant-occupied property
• How much can you push rent/cash flow?
• Role of target returns
• Impact of why the property was vacant
• How quickly can you rehab and fill the vacancy? What about worse-case scenarios?
• What is your special sauce when calculating vacancy cap rate?
• Impact of investment goals and type of capital you have vs.
• Employee-based models
• Vendor management
• What should you do about home inspections?
• Recent technology upgrades
• Using national vs. local vendors
• What shouldn’t you outsource?
• Where is there a lot of expertise making it easier to hand over the reins to someone else?
• Can I afford it vs. is the money I’m paying myself worth the headaches?
• Impact of property location
• Options if your portfolio is full of rent defaults, evictions, turnovers, and vacancies?
Brian A. Flaherty
• Changing capital structures
• What does insurance $$ coming into the market look like?
• On-line and crowdfunding structures/terms
• Impact of the banks backing finance companies
• Seller financing availability
• Direct to the banks… What are the deal breakers?
• How many loans are allowed?
• Using brokers
• Government sources including HUD loans and the VA
• Local vs. national lenders
• Has Residential fix and flip reached its plateau? Where do you see the industry going in the next 3 years, 5 years 10 years?
• Technology you are using to assist
• Have you been able to find cheaper financing?
• Minimizing the tax bite
• The contractor side: In-house vs. external contractors
• The rehab and what you change about the property
• Have you been able to save $$ on the disposition?
• High-end flips… Double the size; Double the profits?
• The grass is always greener… Looking at new markets
• Increasing flip leverage… Risk vs. Returns
• Who does your collections? Why?
• What system do you use?
• What do you do if someone falls behind? What do you do if there are extraordinary circumstances?
• When is a rent reduction in order?
• When is enough enough? When do you start eviction proceedings?
• State and local law and code considerations-Procedures in landlord-friendly vs. tenant friendly states
• Maintenance Issues/owners right to enter/inspections
• Legal services-What they can do, how much do they can speed up things and how much do they cost
• Special considerations for land contracts and lease-to-own tenants
• Trial issues related to evictions
• Comparing Freddie and Fannie loan programs
• Looking at the securitized deal
• Role of community organizations, not-for-profits and affordable housing
• REO and loan sales
• Lending limits
• Details that still need to be hashed out
• The political side of things
• Longer term structures-FHA 203(k) loans
Dennis Cisterna III
• Media sensation vs. the reality of the situation
• Communication methodologies and technology’s role during a disaster with customers and staff
• What are you doing about leases and security deposits of damaged homes?
• Preparing for the storm-What came up? What were you surprised with?
• What did you do with the displaced tenants?
• Cleaning up homes vs. rebuilding homes
• General homeowners vs. flood vs. hurricane insurance
• Insurance claims- What is promised vs. the reality of the disaster
• Wild fires, tornados, earthquakes and snow storms-How to protect yourself
• What will the impact be on building material supply and pricing?
• The opportunity that has presented itself
- Golf Courses
- Spa on 4th
- Resort Shops https://www.thephoenician.com/resort-shops/
- Fitness Center
- Scottsdale Activities
- The New Phoenician Pools https://www.thephoenician.com/pool-complex/
- Dining at
Join Roofstock for a Cocktail Reception and Networking hour to conclude the first day of the conference on the East Lawn of The Phoenician Resort. Network with fellow SFR industry leaders while enjoying complimentary drinks and hors d'oeuvres poolside at Arizona’s premier luxury resort destination.
Please Choose Track 'A' 'B' or 'C'
• When did you graduate from hard money loans?
• What does it take to get a credit line?
• When are HELOCs your best option?
• Looking for a unicorn… Successfully finding bank financing
• What do you do when you need the $$ fast?
• What was the last thing you crossed out on the final docs and got away with?
• Permitting or other problems and your rehab and your time to payment is running out…
• Lessons learned from the last recession… How can you apply them to the SFR market which wasn’t in existence then?
• What do you think will cause the next recession? How will this cause impact the SFR market?
• Factoring in a lower rate of home ownership…
• Regional recessions-What did we learn from the drop in oil prices?
• State of the home builder
• Flippers vs. Holders
• Flip vs. hold market characteristics
• Post-industrial city plays and the great recession
• Role of economics, wage and job growth
• Is there value in older stock in older neighborhoods?
• The under $60K market
• Is there value in the secondary oil markets?
• Are you attracted to suburban coastal markets?
• Markets where populations are emigrating to? From?
• Emerging tech hubs
• Leverage options
• What out there online?
• Fannie Mae Homestyle loans
• Mortgage qualifications, terms, time to funding, interest rates, lender fees, repayment structure, prepayments and closing costs
• Financing class “C/D” properties
• Do you need personal guarantees?
• Appraisals and purchase price issues
• Structures to refinance the property after the pre pay period has passes
• Working with foreign nationals
• Financing non-standard collateral like vacation homes, mobile homes and condos
• Comparing flips vs. rent-to-hold
• Technology that you are using to improve the process
• Where are you getting the funds to rehab? Do you have a line of credit or do you take loans?
• The light vs. heavy rehab
• With acquisition costs rising are you cutting back on rehab expenses to keep up your ROI?
• Are construction costs rising in your market? Is there a lack of construction workers also? What are you doing about these twin troubles?
• I thought only a piece of would needed to be replaced… Wound up replacing the door and half the wall… How much do you budget for those hidden problems?
• Have you standardized your appliances and finishes?
• Do you replace only when broken?
• Budget vs. actual costs-Where do you see the mis-calculations being made?
• Wi-Fi? Laundry? Cable? What kind of amenities do you install? What kind of ROI do they have?
• Asset protection- Shielding property from liens and lawsuits and prying eyes
• Tax optimization planning
• Innovative ways 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 one
• Tenant in Common vs. Delaware Statutory Trust
• Multiple property exchange complexities
• Comparing the services of 3rd party custodians
• Impact of portfolio flexibility & diversification
• Comparing IRA structures… What works best for SFR investing?
• Structure optimization regarding mortgage assumption, FHA 90 day flip rule, probate, seasoning issues and escrow
• Impact of the GSEs
• Property appreciation’s impact
• Value of cash flow certainty-Leases in/not in place
• What is the rate of homes trapped in foreclosure in some sort of securitization? What is done about them?
• Insuring the property valuation is accurate
• Substitutions & Refis
• Issuance- How are we doing? What will next year look like?
• New vs. old homes
• Beyond the headline news and regulatory issues
• How much do you look for an owner to put down?
• How does property class impact your exit strategy?
• Contractual stuff and divvying up the who is responsible for what
• What happens if the tenant changes his mind?
• Local traditions and regulations to be aware of
• Evictions for non-payment
• NCLC policy recommendations
• What can be done online? What is the cost of such technology? How much does it save?
• Customer touch points and communication
• On-line maintenance requests and scheduling
• Pre-screening best practices
• Some people just like using the mail and phone… Lower income and older tenants-Have they adapted to new technology
• On-line lease agreements
• Digital keys
• Tenants in default: How do you treat?
• Rental rate strategy
• The non-technology side of things-What amenities keep tenants around?
• Single asset vs. portfolio loan structures
• Financing the rehab vs. the actual purchase
• What does it take to get a credit line?
• Comparing difference debt providers
• First-time prospects… What makes them a customer?
• Locations you are looking to cut back on? Increase your lending?
• Role of experience of the borrower
• How much skin in the game do your look for?
• What does it take to get an extension?
• As inventory gets tighter and more expensive are you changing your approach to properties you are buying?
• Financing your flips
• When is the “as is” flip your best strategy?
• Selling to investors vs. the general public
• From high-end to the ‘hood: Flipping in your home market and what makes it unique
• How not to lose $$ later… It starts with the acquisition
• What do large institutional investor look for?
• How much should you ask for? What are the factors that go into a price?
• Cash flowing vs. vacant properties-Which way to go?
• Should you put lipstick on the pig?
• The turnkey option
• Having 3rd party service contracts-Do you need to terminate?
• Selling the cash flow, keeping the property management
• ROI expectations/What can you expect on a price? How long will it take to sell?
•Rehab and sell vs. sell as is
• Selling notes & NPLs
Meet and discuss various markets in an informal setting including Arizona, Chicago/Midwest, Florida/Southeast, Northeast, Southern California as well as Note Buyers and Women in SFR
• Is investor interest still high?
• Do you price by using income, cap rate, comps or straight value approach?
• Selling outright vs Owner-financing? Do you hold the note if you owner financing?
• The ABCs of what is best class of property for turnkey investing?
• What have you been doing yourself? What do you outsource
• What kind of deceptive practices are out there?
• How much do you spend on rehab? What are your holding costs?
• Exit strategies: Selling your property for the owner
• Turning notes and NPLs into single family rentals
• Acquisition, Disposition & Exit Strategies
• Risk Assessment/Underwriting Criteria
• Servicer Due Diligence, Choosing, On-Boarding, Communication & Monitoring
• Financing & securitization
• Where are you finding deals? Are government deals right for you? Is the bank spigot open?
• Legal, compliance & regulatory developments
• Raising equity
Do you have 1000+ homes? Are you large enough to be thinking about the public markets or securitization? Do you think single family home prices are getting toppy and being acquired outright is being considered? Conversely, are you in the business for the long haul and thinking about being the acquirer and wondering how you can make $$ at these levels? Are you wondering how you can fund a more efficient operation? Wondering if what is keeping you up at night are keeping up your brothers-in-arms? This peer lead discussion, is looking for your to ask questions, and use your experience to participate
• Multifamily Fundamentals & the Economy-Year 2 of the Administration
• What has the Impact of Single Family Rentals been on Multifamily Rent?
• Multifamily Investments in a Mature Cycle with Rising Prices… What Does History Say?
• Costly Mistakes-How You Can Avoid Them
• Picking Emerging/Undervalued Neighborhoods & Successfully Entering the Market
• Cash Flow vs. Appreciation-What is the Best Approach?
• The property management side…
• New Apartment Construction
• Value-Added opportunities
• Equity, debt and line of credit availability and structures
• The numbers and how to make them work
• Examining rent, turn, rehab, maintenance and insurance of old vs. new homes
• Factoring in appreciation of newer vs. older homes
• Can you make detached homes work?
• Do you offer community amenities?
• What kind of financing is out there?
• The developer sale-Cost savings, sale commission and time to sell of one vs. multiple buyers
•Have you been building in-house or using home builders?
Dennis Cisterna III
Do you have 100-750 homes? Are looking towards family offices and small institutional investors for equity? Are you wondering how your peers are improving their operations? Looking for investment bankers to help with decisions like exiting to a larger aggregators? Wondering about perm financing? Economies of scale and staffing? Are you ready for the next step? This peer lead discussion, is looking for you to ask questions, and use your experience to participate
• Portfolio acquisitions below 5% cap rate – Would you go that low? How would you make it work?
• Foreign fundraising successes
• Given the housing shortage Are you buying for cash flow or appreciation?
• Do you see more consolidation on the horizon?
• What do you think of the big bulk packages out there?
• Investor response to the SFR asset class
• All cash vs. using debt
• Joint ventures- How to get your attention and once you got the attention how to close the deal
• Long term exit strategy
• Impact of industry consolidation on your future plans
Rent growth, local regulations, supply/demand and competition for product, cash flows, cap rates, demographic changes will be among the key cross-market issues that are to be discussed
Session Chair: Eddie Wilson, President Think Realty
Chicago/Midwest: Brook Treas, Portfolio Manager NS Capital Management
Florida: Marcos Morales, Executive Director Hogar Hispano, Inc.;
Phoenix: Edward Barasch, Senior Advisor The Empire Group of Companies
Southern California: Michael Mayer, Managing Member & CEO Associated Ventures, LLC
Southeast(Atl)- Bruce W. McNeilage, CEO and Co-Founder Kinloch Partners, LLC
Texas Jacob Cap, Owner Executive Dream, LLC
• Where are you buying?
• Impact of exit strategy at time of acquisition
• What are your investment parameters?
• What are you willing to pay for an acquisition? Why?
• How are you financing your acquisition?
• Under what conditions do you look to outsource acquisitions?
• When do you tolerate lower gross and net yields?
• How do you get the word out that you are in acquisition mode?
• How do you look at widely-marketed homes?
• Are you playing in the small bulk market? How much of a discount do you expect? Would you rather buy individually?
• Tenanted vs. vacant
• Technology you are using to assist in your decision
• How do you factor in appreciation into you purchase price?
• Big bulk packages out there
• Portfolio diversification into different non-traditional single family assets
• Will owners continue to stay in their houses longer? Even aging baby boomers?
• Where is the national home ownership rate going?
• Are millennials starting to buy more homes? If they haven’t been buying do they want to? What will be the impact on the SFR market?
• Will younger millennials take the same path to home ownership as their older millennial cousins?
• Are you shifting to urban centers?
• Recent local demographic shifts
• Enough about millennials… What about professionals, young families, move down and active adults?
• Cash flow multiples
• Technology out there to assist
• Retail vs. institutional buying; Single vs. portfolio of homes
• Borrowing & LTV rates
• Where are recent appraisals coming in? How are they being derived?
• Market vs. appraised values
• Adding value: Where is the most bang for the buck?
• Public vs. private market value
• Property taxes: Are they keeping up?
• Valuing non-traditional single family assets
This panel will feature 2 single family rental deals pitched to potential financiers followed by a question and answer period for each of the transactions
Mathew Avrhami, VP Acquisitions, Progress Residential
Josh Gehman, Senior Manager-Investments Altisource;
Andrew Lester, COO GILfund Capital Management
Carlos F. Munoz, President Swiss Capital
The Property Owners:
R.J. Palano, Director of Acquisitions Buy Cash Flow Properties
Matt Reilly, Head of Acquisitions Stonecrest Financial
• Demand vs. supply for livable homes-Where do prices go?
• Buying damaged vs. in-tact properties: Which way should you go?
• How much do damaged homes go for?
• Buying from banks vs. owners
• Financing the opportunity
• Looking at past events
• How many people leave and never come back-What can that do to the market?
• What to do about the mold?
• Historical returns of natural disaster homes
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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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