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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?
- As rental acquisition prices get to higher levels it is of much greater importance for you to increase operational efficiencies and squeeze out as much profit as possible for every home either newly purchases or in your current portfolio. This session will answer all of your questions on improving your property management best practices.
- Affordability of new homes
- NPL/SFR government sales trends
- Yield vs. HPA: Where will the play be?
- Flip vs. hold equation
- Retail vs. institutional exit
- Where is the shadow inventory hiding?
- Rental demand predictions
- Impact of Obamacare repeal on the market
- Houston… Do we have a problem in the oil states?
- Any HUD Changes in the crystal ball?
Dennis Cisterna III
Corporate results, margins and portfolio performance… Looking back on the last year and looking forward for this one How is turnover and consumer sentiment? Where has it been short-term and where is it going long-term? How much is turnover costing you? How is it impacting your rent rates? Are higher- or lower- income tenants moving out?
- Identifying non-core homes and disposition strategies
- Working with locals and outsourcing policy
- Opportunities on the revenue side
- Are you in a growth or operational efficiency phase?
- Impact of Obamacare repeal on your renters
- Are insurance expenses and taxes going up? If so, what have you been doing?
Please Choose Track 'A' 'B' or 'C'
- What goes into your decision about disposing of properties?
- Market-level dispositions
- Impact of the rising rate environment
- Dealing with re-trades
- Redeployment of capital
- Disposing occupied vs. vacant
- Friction cost vs. price of bulk vs. one-off
- Disposition fees
- Selling to an institution vs. retail
- Small portfolio exit choice evaluation metrics
- Impact of buying originally for appreciation; selling for cash flow
- What is changing about the local broker market that you need to know?
- Commercial vs. consumer products
- When are repurchase agreements and lines of credit the most appropriate financing?
- How do you evaluate your potential customer?
- 100% debt structures… What are the terms and conditions?
- Geographic sweet spots and red zones
- Buyer expectation of higher quality of material expected
- What distressed properties often hide
- Not over-improving your property
- Rehab timeframe and why delays happen
- The gut renovation budget and the “oops” factor
- When the simple rehab is not enough
- Going to the lender
- Don’t forget to…
- Doing your own rehab vs. farming out
- What are the desirable amenities?
Samuel Tucci IV
- Auctions and foreclosures continue to decrease… Searching the web is not cutting it? .... Tapped out your network and it is all tapped out? ... In a position to pull the trigger, but need a target to shoot at. These panelists will discuss the innovative ways they conquered this obstacle.
- Changes in the HUD Claims without conveyance program
- HELOC resets
- Attracting discounted buying opportunities
- Using these channels to increase your deal flow
- Attracting motivated sellers
- The probate market & Lien opportunities
- Using a national vs. local vendor
- What is your core competency?
- Approaching the biggest market challenge
- Measuring performance
- Evaluating contractors
- How to approach new markets and growth phases
- When do the economics point to taking it in-house? Is that the overriding factor?
- How do you evaluate vendor partners?
- Approach to 24/7 customer service
Brian A. Flaherty
- Multi-borrower market issues
- Extend vs. refinance
- Optionality & enhancement trends
- Risk retention and the new administration
- Handling prepayments
- Pricing vs. new credit facilities
- How much are administrative costs running today? |
- Comparisons vs. other debt today
- Swaps and replacing floating with fixed rate alternatives
- Section 8, month-to-month leases and other collateral twists
- Refinancing portfolios and surrounding complexities
- Fix and flip bonds
- Key issues you need to know regarding frauds, title, hazard & flood insurance
- Legal documentation to keep you protected
- Legal opinions, facts vs. opinions;
- Defaults, foreclosures vs. workouts - what's more effective when?
- Licensing requirements and legal due diligence, structure and capital cost on the property and entity levels;
- Sale options, 1031 exchange and closing issues
- Assessed valuations and the best ways to bring them down
- Financing acquisitions through IRAs
- Capital gains, depreciation, profits/losses and other tax benefits
- Property tax minimization strategies
- Purchasing tax liens
- Note vs. BRRR vs. Long-term hold
- Comparing SFR/ notes
- Small apartments… Is there value?
- New homebuilding… Rental vs. for-sale
- Small office, industrial and retail… Which of the food groups are you tasting?
- How do you measure value across asset classes?
- Vacation homes as an asset class
- Bond buyers across the mortgage universe
- Build-to-Rent: How to make the numbers work
- As rates and home prices rise many SFR owners have switched from aggressive acquisitions to managing their portfolios more efficiently. This session will go over the numbers all should know.
- Property management and maintenance expense ratios
- The 2% rule for acquisitions: Does it hold up? Should you use purchase vs. current metrics?
- Asset class flow after expenses
- Tenant income metrics, turnover rates and rental marketing expenses
- Overall and per door NOI margins
- Using metrics to figure out what your rental rate should be… price to rent vs. changes in market values and rents
- Is EBITA the best overall benchmark for this industry?
- Metrics vs. residential investments
- 6% operational cash flow… How will that change as rates go up?
- Line item by line item reserves
- Exhale Spa
- Fitness Center
- Mind & Body Studio
- Pool & Beach
- Water Sports
- Dining at
- Bar Collins
- Lure Fishbar
For more information on any of these options please visit https://www.loewshotels.com/miami-beach/services-amenities
This interactive discussion will confer on the most successful ways a new source of family office or high-net-worth capital to raise equity or debt and the options and vehicles for structuring a deal.
Please Choose Track 'A' 'B' or 'C'
- Cap rates & gross yields comparisons
- Market execution differences
- Economic outlook of “blue” vs. “grey” collar
- What do you look for in a remote smaller market vs. larger ones… Are you nervous about the exit?
- Secondary/tertiary markets… yield opportunities of tier 1, 2, 3
- Finding inventory
- Cap rates
- Product type comparison… SFR vs. condos vs. 2-4 family
- Picking your favourite market
- Operational/financial metrics vs. single family rentals
- In-house vs. outsourced management/marketing
- Section 8 and rent control
- What technology do you leverage?
- Financing available for 2-4 vs. Multifamily
- Performance in a rising inflation environment
- Impact of the overbuilding of class “A” properties
- Valuation, acquisitions and dispositions
- Bringing back older properties vs. new construction vs. cash flow investing
- Property management
- Acquisition due diligence
- Finding vs. Creating inventory/Seller financing
- Workouts, modifications, rehab, foreclosure strategies and when do you take the property back
- Dispositions, pricing and re-trades
- Firsts vs. seconds; Re- vs. non- vs. semi-performing
- Dispose vs. keep
- Why are the big publics disposing NPLs? Does this provide a buying opportunity?
- Do you look at securitized structures?
- Government pools and Bank REO
- Servicing trends
- Financing using equity vs. debt
- Agreements- red and gray areas to be aware of
- Foreclose vs. eviction
- Notice requirements
- Cash for keys… What does it take?
- Seller finance and Truth in Lending act importance
- Title issues
- At the end of the contract…
- Local laws to be aware of
- Deceptive practices that may land you on the cover of the New York Times
- How many future ownership agreements actually wind up as actual purchases?
- Structuring and presenting the deal
- Have you seen a pickup in any of these areas?
- Dealing with and incentivizing contractors
- Accurately predicting expenses and ROI on a rehab
- Where is the best price? The retail vs. institutional exit
- Tapping the foreign buyer market
- Finding the right development and financing partners
- IRS stuff and the tech side…
- Expenses, hold periods and accounting for the unknown
- Flipping condos and townhouses successfully
- Anatomy of a flip loss
- Flipping friendly market traits
- Fostering collaboration between different functions
- New tenant placement
- Maintenance coordination and inspections
- Tax, licensing and other government-facing issues
- What do you have in the hands of those out there in the fields?
- Lease default and evictions
- The procurement of property management software is only the beginning of a road journey…
- Combatting the shortage of back-office staff and the effects of staff turnover
- Fees, fees, fees
- Customer touch points and communication
- Repair response systems-Proactive and bundling repairs
- What can be done online
- Bundling and being proactive on repairs
- Cashing out equity
- How are the GSEs thinking about the SFR space?
- Borrower due diligence and documentation
- Financing strategies for securitization and whole loan sales
- Key elements of underwriting criteria
- What kind of loan-to-value do you underwrite?
- Is there insurance & GSE debt coming into the market?
- Prepayments and balloons
- Fixed vs. variable rates
- With the largest volume of house flips since 2007 how are you finding inventory?
- How is the flood of new entrants and inexperienced $$ changing the market?
- Rising interest rates impact
- Pricing and how much are you looking to make per house? Are you seeing some local markets getting to rich for your blood?
- Are you selling to institutional investors or the public?
- FHA loans, bank vs. non-bank structures and terms available vs. on-line lenders and crowdfunding
- Wholesaler led deals
- The higher end market
- When as-is is the best sale option
"You probably think of individual homeowners when you hear "home automation" and "on-demand services" but smart property owners and managers are using new tech solutions to save time and money on property management across their portfolio. Panelists will explore how these services solve real problems for property owners."
- What do you look for in a borrower? What if the verifiable income is not there?
- What kind of hold times do you look for?
- Are there limits to loan size?
- Bigger metro markets… Do they translate to more options and better terms?
- Commercial vs. residential loans
- Hi-end flips and tear downs
- What won’t you finance?
- Can you still get away with lower-quality materials and appliances?
- Budgeting for problems you find after you start the rehab
- Scheduling your contractors smartly
- When not to go for the higher end
- Customer-facing issues once the tenant is moved in
- What do you do in-house and what do you outsource?
- Taking too long to rehab… Why?
- Energy upgrades, financing & PACE program
- What makes a smart house smart? How much does it cost? Where is the best ROI?
- Atlanta; Arizona, California, Carolinas; Chicago/Midwest, MidAtlantic; South Florida, NorthEast, Central/North Florida; Build-to-rent; Georgia; Note Buyers, Texas; Turnkey Buyers; Women in SFR
- How big is the market? How many investors are looking for turnkey properties?
- Profile of your investors
- What are the horror stories out there? How do you make sure you aren’t part of one? What to say if you were.
- Financial performance presentation
- Appraisals, comps and cash purchases: What does the customer think?
- What kind of questions does a potential customer ask?
- How much do you charge for your services?
- How available is financing?
- How are you minimizing financing cost?
- What is your newest financing source?
- When do you go all cash vs. when do you use financing?
- Using and paying back HELOCs vs. institutional products
- Making sure the refinance isn’t tricky
- How are you building flexibility into your financial solutions?
- Finding financing before and after the deal
- Calculating return
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
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 on the table
Session Chair: Eddie Wilson President Affinity Enterprise Group
Atlanta: Bruce McNeilage, Managing Partner Kinloch Partners
California: Ben Smith, Director of Investor Relations, Real Wealth Network
Chicago:: John M. Knab, Managing Director Americas Housing Alliance
Florida (South): Doug Smith, Portfolio Manager & COO, Castle Rock Capital Management
Pheonix: Craig Lasson, Senior Vice President, Red Bell Real Estate
- Are you staying short-term or going long term?
- Cashing out all cash purchases
- Cash management and reporting burdens
- Economic terms, prepayments and recourse
- Your latest financing source
- Financing and refinancing
- How many banks have said no to financing your transactions?
- What is your corporate equity/debt structure?
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
Cash is king but is debt can make you rich… or poor… Is it still a good time to expand and lever up your money to buy more houses or should you use caution so you won’t be holding the bag as interest rates go higher? Or should you use debt now while it is still relatively cheap and then use cash when later as debt becomes more expensive if rates go up? This discussion will answer these questions and more.
Debate Moderator; Chris kemper, Founder & CEO, Palmetto Properties
Equity/ All Cash; Shared Mehta, Member, Max Properties, Jamie Graff, Co-Head of Real Estate Investment Banking, Raymond James & Associates
Debt; Jack Helfrich, Director, Civic Financial Services; Matt Neisser, COO, Lending One
- What are the key demographic traits that you look for in a market?
- Buy and move-out rate of different income levels
- Household formations as the millennial demographic is now coming of age and starting families-Are they renters or buyers?
- Changing local demographics… Where are the surprises?
- Hyper localization of marketplaces
- What are you looking for in a portfolio buy?
- Capital raising… How is it going? Length of time on last fundraised?
- Exit strategy… Is it time to go public?
- How has your model changed over the last few years?
- What do you look for in a partner
- Equity vs. debt financing … Sources and capital constraints
- Recruiting & educating new investors
- Are you considering investing in SFR using a non-fund vehicle?
- Investors fees and waterfalls
- Are you finding interest from non-US investors?
- What are you going to do at the end of your fund life?
- Disposal strategy
- Examining the numbers
- Due diligence on the tax side
- Some financial institutions are accused of asking for excessive due diligence… What do you call excessive?
- What was your last due diligence oops? How did it turn out?
- Due diligence outside your market
- Due diligence on bulk portfolios
- 1+1+3: What came out that didn’t add up
- What was the last property you walked away after something came up in due diligence
- What is the most unusual thing that came up?
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
Tank Leader; Will moderate the session
Randy W. Hagedorn, Senior Vice President-Acquisitions Tricon American Homes
The Sharks: Will be interested in acquiring portfolios of homes…
Jared Garfield, President, ROI Property Group Management
Michael Cook, COO Street Lane Homes
Alberto Chocron, COO and Partner Transcendent Investment Management
The Property Owners: Will present the following portfolios for sale
Nicolas Borjas. Chief Executive Officer/Managing Partner Strategic Assets, LLC
Mark Bloom Principal/Founder NetWorth Realty;
- Inflation vs. rent growth
- Buying homes vs. renting
- Cost of new construction vs. acquiring existing What will I expect from my equity returns?
- Impact of rising rates in the early 2000s Mortgage resets
- The new rent vs. buy equation… What will that do to demand?
- Hold vs. flip in a rising rate environment-What are the numbers
- Prices are already competitive in many markets… How much more will each ¼ point interest rate cost me
- 6% operational cash flow… How will that change as rates go up?
- Going public in a rising rate environment Risk issues
- What was your strategy to battle rising rates in the early 2000s?
- Preparing for more foreclosures? Going long-term perm vs. short term fixe
- Are you looking to increase our portfolio before rates rise?
- If costs to acquire rise with interest rates are you going to look to provide services more than acquire for your portfolio?
- Transitioning from flipping to buy-to-hold
Haendel St. Juste
- Pricing of cash flowing vs. vacant
- How much is your average time to occupy a property? How much does it cost to occupy?
- How much $$ do you usually need to put into a vacant property?
- How much more rent can you get for a vacant property after you fix up vs. a stablilized property?
- Impact of rising rates
Debate Moderator; Shaun Shenoda, Chief Operating Officer, SES Insurance
Cash Flowing; Paul Birkett, Managing Member, Automation Finance LLC; Mike Soni, Senior-Advisor Investments, Reven Housing REIT
Vacant; Altaf "Alex" Hemani, CEO & President, ALNA Properties; Christopher Crippen,
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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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