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Bank of America is one of the world’s leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, investing, asset management, and other financial and risk management products and services. The company provides unmatched convenience in the United States, serving approximately 66 million consumer and small business clients with approximately 4,300 retail financial centers, including approximately 2,400 lendi ... (view full description)
Bank of America is one of the world’s leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, investing, asset management, and other financial and risk management products and services. The company provides unmatched convenience in the United States, serving approximately 66 million consumer and small business clients with approximately 4,300 retail financial centers, including approximately 2,400 lending centers, 2,600 financial centers with a Consumer Investment Financial Solutions Advisor and 1,900 business centers; approximately 16,600 ATMs; and award-winning digital banking with nearly 38 million active users, including approximately 29 million mobile users. Bank of America is a global leader in wealth management, corporate and investment banking and trading across a broad range of asset classes, serving corporations, governments, institutions and individuals around the world. Bank of America offers industry-leading support to approximately 3 million small business owners through a suite of innovative, easy-to-use online products and services. The company serves clients through operations across the United States, its territories and approximately 35 countries. Bank of America Corporation stock (NYSE: BAC) is listed on the New York Stock Exchange.
Credit Suisse AG is one of the world's leading financial services providers and is part of the Credit Suisse group of companies (referred to here as 'Credit Suisse'). Our strategy builds on Credit Suisse's core strengths: its position as a leading wealth manager, its specialist investment banking capabilities and its strong presence in our home market of Switzerland. We seek to follow a balanced approach to wealth management, aiming to capitalize on both the large pool of wealth within mature ma ... (view full description)
Credit Suisse AG is one of the world's leading financial services providers and is part of the Credit Suisse group of companies (referred to here as 'Credit Suisse'). Our strategy builds on Credit Suisse's core strengths: its position as a leading wealth manager, its specialist investment banking capabilities and its strong presence in our home market of Switzerland. We seek to follow a balanced approach to wealth management, aiming to capitalize on both the large pool of wealth within mature markets as well as the significant growth in wealth in Asia Pacific and other emerging markets, while also serving key developed markets with an emphasis on Switzerland. Credit Suisse employs approximately 47,860 people. The registered shares (CSGN) of Credit Suisse AG's parent company, Credit Suisse Group AG, are listed in Switzerland and, in the form of American Depositary Shares (CS), in New York. Further information about Credit Suisse can be found at
DBRS Morningstar is a full-service global credit ratings business with approximately 700 employees around the world. We’re a market leader in Canada, and in multiple asset classes across the U.S. and Europe. We rate more than 3,000 issuers and nearly 60,000 securities worldwide, providing independent credit ratings for financial institutions, corporate and sovereign entities, and structured finance products and instruments. Market innovators choose to work with us because of our a ... (view full description)
DBRS Morningstar is a full-service global credit ratings business with approximately 700 employees around the world. We’re a market leader in Canada, and in multiple asset classes across the U.S. and Europe.
We rate more than 3,000 issuers and nearly 60,000 securities worldwide, providing independent credit ratings for financial institutions, corporate and sovereign entities, and structured finance products and instruments. Market innovators choose to work with us because of our agility, transparency, and tech-forward approach.
DBRS Morningstar is empowering investor success as the go-to source for independent credit ratings. And we are bringing transparency, responsiveness, and leading-edge technology to the industry.
That’s why DBRS Morningstar is the next generation of credit ratings.
Learn more at dbrsmorningstar.com.
BNP Paribas is a leading bank in Europe with an international reach. It has a presence in 72 countries, with more than 202,600 employees, of which almost 155,000 in Europe. The Group has key positions in its three main activities: Domestic Markets and International Financial Services (whose retail-banking networks and financial services are covered by Retail Banking & Services) and Corporate & Institutional Banking, which serves two client franchises: corporate clients and institutional investor ... (view full description)
BNP Paribas is a leading bank in Europe with an international reach. It has a presence in 72 countries, with more than 202,600 employees, of which almost 155,000 in Europe. The Group has key positions in its three main activities: Domestic Markets and International Financial Services (whose retail-banking networks and financial services are covered by Retail Banking & Services) and Corporate & Institutional Banking, which serves two client franchises: corporate clients and institutional investors. The Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realise their projects through solutions spanning financing, investment, savings and protection insurance.
In Europe, the Group has four domestic markets (Belgium, France, Italy and Luxembourg) and BNP Paribas Personal Finance is the European leader in consumer lending.
BNP Paribas is rolling out its integrated retail-banking model in Mediterranean countries, in Turkey, in Eastern Europe and a large network in the western part of the United States. In its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas also enjoys top positions in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific.
Clifford Chance is one of the world's pre-eminent law firms, with significant depth and range of resources across five continents. We have the market leading practice in synthetic securitization and other types of credit risk transfer and risk sharing transactions and, in recognition of our market standing, were named North American Law Firm of the Year by SCI in 2020. We have worked on such transactions with many banks and investors for over 15 years, and have been intimately involved in the de ... (view full description)
Clifford Chance is one of the world's pre-eminent law firms, with significant depth and range of resources across five continents. We have the market leading practice in synthetic securitization and other types of credit risk transfer and risk sharing transactions and, in recognition of our market standing, were named North American Law Firm of the Year by SCI in 2020. We have worked on such transactions with many banks and investors for over 15 years, and have been intimately involved in the development of the various legal and economic structures commonly seen in the market. Our experience includes all types of public and private significant risk transfer and risk sharing transactions.
We are a single, fully integrated group made up of securitization, derivatives, structured products and commercial regulatory experts, supported by tax and litigation lawyers who are experienced leaders across the major financial centers, including London, New York, Frankfurt, Paris, Amsterdam, Brussels, Milan, Madrid, Hong Kong, Tokyo and Singapore. This combination of specialists working alongside each other provides our clients with access to unique legal advice.
We have in-depth experience on all aspects of the EU and US regulatory frameworks which apply to and drive the structuring of synthetic securitization and significant risk transfer and risk sharing transactions, including:
the Basel capital accord and securitization framework; in the EU, the Capital Requirements Regulation, the Securitisation Regulation, the Alternative Investment Fund Managers Directive, the Credit Rating Agencies Regulation and the European Market Infrastructure Regulation in the US, the Volker Rule, the Dodd-Frank reforms, ERISA and all aspects of securities regulation.Fitch Ratings is a leading provider of credit ratings, commentary, and research. Dedicated to providing value beyond the rating through independent and prospective credit opinions, Fitch Ratings offers global perspectives shaped by strong local market experience and credit market expertise. The additional context, perspective, and insights we provide help investors to make important credit judgments with confidence. Fitch Group is a global leader in financial information services with operations ... (view full description)
Fitch Ratings is a leading provider of credit ratings, commentary, and research. Dedicated to providing value beyond the rating through independent and prospective credit opinions, Fitch Ratings offers global perspectives shaped by strong local market experience and credit market expertise. The additional context, perspective, and insights we provide help investors to make important credit judgments with confidence.
Fitch Group is a global leader in financial information services with operations in more than 30 countries. Fitch Group is comprised of: Fitch Ratings, a global leader in credit ratings and research; Fitch Solutions, a leading provider of credit market data, analytical tools and risk services; and Fitch Learning, a preeminent training and professional development firm. With dual headquarters in London and New York, Fitch Group is owned by Hearst.
For additional information, please visit fitchratings.com.
Kroll Bond Rating Agency, LLC and its affiliates (KBRA) is a global full-service rating agency with a mission to set a standard of excellence and integrity. Established in 2010, KBRA remains dedicated to the restoration of trust in credit ratings by creating new standards for assessing risk and by offering timely and transparent ratings. KBRA provides market participants with an alternative solution by delivering in-depth research across various sectors within the United States and European mark ... (view full description)
Kroll Bond Rating Agency, LLC and its affiliates (KBRA) is a global full-service rating agency with a mission to set a standard of excellence and integrity. Established in 2010, KBRA remains dedicated to the restoration of trust in credit ratings by creating new standards for assessing risk and by offering timely and transparent ratings. KBRA provides market participants with an alternative solution by delivering in-depth research across various sectors within the United States and European markets. We strive to provide the investment community with the products and tools needed to make informed investment decisions.
BNY Mellon is a leading global brand, carrying high rankings across all major rating agencies and recognized as one of the world’s largest custodians and one of the leading service providers of independent agency services. As the largest global provider of independent trustee services, our clients have access to our scale and stability and decades of market-leading experience within the mortgage backed securities (MBS) market. Our expertise spans across multiple credit cycles and covers both the ... (view full description)
BNY Mellon is a leading global brand, carrying high rankings across all major rating agencies and recognized as one of the world’s largest custodians and one of the leading service providers of independent agency services. As the largest global provider of independent trustee services, our clients have access to our scale and stability and decades of market-leading experience within the mortgage backed securities (MBS) market. Our expertise spans across multiple credit cycles and covers both the private and agency sector, supporting prominent government entities like Freddie Mac/Fannie Mae and Ginnie Mae.
We offer clients a full suite of issuer, investor, tax and rating agency reporting, right down to loan level details with the ability to support all phases of the mortgage securitization lifecycle. Because we don’t serve as an originator or arranger on the deals we service, we avoid conflicts of interest with our clients and transaction parties so they can take comfort that we always put the deal first.
As one of the pre-eminent Lending as a Service (LaaS) companies, Vervent sets the global standard for outperformance by delivering superior expertise, future-built technology, and meaningful services that are built for speed. Our solutions — Loan & Lease Servicing, Credit Card Servicing, Card Marketing & Customer Acquisition, Call Center Services, Backup Servicing/Capital Markets Support, and Third-Party Collections — empower companies to accelerate business and drive compliance. Acceler ... (view full description)
As one of the pre-eminent Lending as a Service (LaaS) companies, Vervent sets the global standard for outperformance by delivering superior expertise, future-built technology, and meaningful services that are built for speed. Our solutions — Loan & Lease Servicing, Credit Card Servicing, Card Marketing & Customer Acquisition, Call Center Services, Backup Servicing/Capital Markets Support, and Third-Party Collections — empower companies to accelerate business and drive compliance. Accelerate with us today at 888.486.2509 or Solutions@Vervent.com.
An increasing number of top asset managers, lenders and family offices around the globe choose Alter Domus as their partner of choice. Whether you manage a small stand-alone fund with a limited number of investments or a large multi-billion dollar buyout fund with a complex stream of investments in multiple jurisdictions, we understand your world. Thanks to our deep knowledge of the alternative investment industry, we know first-hand the complex technical and operational challenges you face. Our ... (view full description)
An increasing number of top asset managers, lenders and family offices around the globe choose Alter Domus as their partner of choice.
Whether you manage a small stand-alone fund with a limited number of investments or a large multi-billion dollar buyout fund with a complex stream of investments in multiple jurisdictions, we understand your world. Thanks to our deep knowledge of the alternative investment industry, we know first-hand the complex technical and operational challenges you face.
Our vertically integrated approach provides you with solutions across the entire value chain of investment structures, from middle office support at fund level, all the way down to local special purpose vehicles and property companies. At any stage, our talent pool of over 2,200 employees apply their expertise and leverage our cutting-edge technology to put you ahead of the game and let you stay focused on your core activities.
We offer you a comprehensive range of services spanning fund administration, corporate services, agency services, CLO collateral administration, credit and structured product services, depositary services, transfer pricing, wealth administration, domiciliation, and management company services, thus providing you an easier, faster and more streamlined process.
Whether you are a local or a global player, thanks to our international network of 40 offices and desks, we are where you need us to be.
Citadel SPV provides a comprehensive array of entity formation, governance, administration, accounting and investor reporting services to the global capital markets. We take pride in our unique capacities for specialized services in complex financing structures including securitization, project finance and alternative or special situations finance. Citadel SPV leverages more than 25 years of market experience to deliver consultative solutions for complex financing structures, including customize ... (view full description)
Citadel SPV provides a comprehensive array of entity formation, governance, administration, accounting and investor reporting services to the global capital markets. We take pride in our unique capacities for specialized services in complex financing structures including securitization, project finance and alternative or special situations finance. Citadel SPV leverages more than 25 years of market experience to deliver consultative solutions for complex financing structures, including customized structural alternatives, a complete array of independent director and officer services, sophisticated program management solutions and customized accounting and investor reporting solutions. Headquartered in New York, Citadel SPV offers its clients a comprehensive network of global service delivery locations, either directly or via our partner network including, Delaware, Texas, Cayman, United Kingdom, Ireland, Jersey, Isle of Man, Luxembourg, Netherlands, Switzerland, Singapore and Japan.
Crestbridge is independent in structure and spirit. We provide global administration, trustee, accounting, management and governance solutions that are shaped to our clients’ needs wherever they do business We have a level of flexibility that is increasingly rare to find amongst peers who are bank-owned, private equity-funded or listed. As such, we are able to tailor our services to fit your needs, both now and as they evolve. We are a ‘solutions-driven’ business. We strive to exceed expectat ... (view full description)
Crestbridge is independent in structure and spirit. We provide global administration, trustee, accounting, management and governance solutions that are shaped to our clients’ needs wherever they do business
We have a level of flexibility that is increasingly rare to find amongst peers who are bank-owned, private equity-funded or listed. As such, we are able to tailor our services to fit your needs, both now and as they evolve.
We are a ‘solutions-driven’ business. We strive to exceed expectations by collaborating with you and your advisers. Communicating openly at every stage, keeping you as informed as you need to be.
Because success matters.
Intex Solutions, Inc. is a well-known provider of structured fixed income deal models and analytical solutions. Intex models and maintains an industry-leading database of over 40,000 ABS, CDO, CMBS and CMO deals. Deals are individually modeled based on the amortization and loss waterfall rules in the original deal documents. Deals are then updated in a timely manner each month using available trustee and servicer information. Hundreds of leading investment banks, broker dealers, issuers and inve ... (view full description)
Intex Solutions, Inc. is a well-known provider of structured fixed income deal models and analytical solutions. Intex models and maintains an industry-leading database of over 40,000 ABS, CDO, CMBS and CMO deals. Deals are individually modeled based on the amortization and loss waterfall rules in the original deal documents. Deals are then updated in a timely manner each month using available trustee and servicer information. Hundreds of leading investment banks, broker dealers, issuers and investors rely on Intex for trading, portfolio management and risk management applications. Intex provides the following specialized applications for cashflow stress testing, price/yield generation, collateral performance analysis and deal structuring under user-defined prepayment/default scenarios: -INTEXnet: Web-based deal/portfolio analytics -INTEXdesktop: Client-resident deal/portfolio analytics -INTEX Subroutines: Cash flow generation engine and API for system builders -INTEX DealMaker: Deal structuring tool for the primary market In addition to these Intex-developed applications, over 25 leading third-party vendors have integrated Intex cashflow functionality into their more generalized applications. To learn more, visit Intex on the web at www.intex.com
PCMA is the leading non-bank private client lending organization serving the needs of their mass affluent and high net worth clientele. We offer qualified individuals and institutions bespoke lending solutions across all major residential asset classes. PCMA is a diversified financial enterprise offering private client solutions through a direct to consumer and distributed retail business model. PCMA strives to build trusting and enduring relationships by putting our clients and professional par ... (view full description)
PCMA is the leading non-bank private client lending organization serving the needs of their mass affluent and high net worth clientele. We offer qualified individuals and institutions bespoke lending solutions across all major residential asset classes. PCMA is a diversified financial enterprise offering private client solutions through a direct to consumer and distributed retail business model. PCMA strives to build trusting and enduring relationships by putting our clients and professional partners at the center of all we do. PCMA is headquartered in Orange County, CA. Additional information is available at pcma.partners
We are a global network of professionals in the finance and alternative investment industries working together to empower women at every stage of their careers. Through peer engagement, philanthropic, and educational initiatives, our more than 15,000 members are making connections and creating opportunities that help to advance careers and strengthen our field.
Senior industry leaders in banking and financial services rely on American Banker for news, analysis and ideas to drive their businesses forward. American Banker delivers insight into vital developments, focusing sharply on the most important concerns — innovation, transformation and disruption; technology, regulation and reform. With unmatched coverage, deep analysis, actionable research and compelling data, American Banker empowers financial industry profess ... (view full description)
Senior industry leaders in banking and financial services rely on American Banker for news, analysis and ideas to drive their businesses forward. American Banker delivers insight into vital developments, focusing sharply on the most important concerns — innovation, transformation and disruption; technology, regulation and reform. With unmatched coverage, deep analysis, actionable research and compelling data, American Banker empowers financial industry professionals to advance their business and their careers.
Asset Securitization Report is the essential resource for professionals in structured finance, providing deep coverage of deal-making for corporate, real estate, equipment leasing and consumer debt. We take you behind the transactions that companies, banks and asset managers use to transfer risk, free up capital or improve accounting and regulatory treatment.
SPOT FRESH OPPORTUNITIES IN SECURITIZATION Every week, Asset-Backed Alert steers subscribers to money-making deals in the global market for securitized consumer loans, home mortgages and corporate receivables. The newsletter also guarantees your edge in the growing CDO market. See for yourself by signing up for a three-issue FREE trial subscription to Asset-Backed Alert. To start your free trial, call 201-659-1700 or visit
Anticipate New Risks and Opportunities in Real Estate Finance Every week, Commercial Mortgage Alert gives you the earliest look at oncoming dangers and money-making plays in real estate finance and securitization. The newsletter is first to identify new initiatives in the CMBS market and behind-the-scenes activities of leading market players. See for yourself -- sign up for a 3-week FREE trial subscription to Commercial Mortgage Alert. Start your free trial at CMAlert.com, or call 201-659-1700. ... (view full description)
Anticipate New Risks and Opportunities in Real Estate Finance
Every week, Commercial Mortgage Alert gives you the earliest look at oncoming dangers and money-making plays in real estate finance and securitization. The newsletter is first to identify new initiatives in the CMBS market and behind-the-scenes activities of leading market players. See for yourself -- sign up for a 3-week FREE trial subscription to Commercial Mortgage Alert. Start your free trial at CMAlert.com, or call 201-659-1700.
GlobalCapital is a leading news, opinion and data service for people and institutions using and working in the international capital markets. It provides you with clearly-voiced, lively coverage of key markets based on the comments of those who work in them, together with a wealth of transaction data and archive material. Whether you wish to pick up the pulse of your market, to research in detail an issuer, intermediary or asset class in a particular sector, or to check out how your institution ... (view full description)
GlobalCapital is a leading news, opinion and data service for people and institutions using and working in the international capital markets. It provides you with clearly-voiced, lively coverage of key markets based on the comments of those who work in them, together with a wealth of transaction data and archive material. Whether you wish to pick up the pulse of your market, to research in detail an issuer, intermediary or asset class in a particular sector, or to check out how your institution is performing relative to its peers, our service is for you.
GlobalCapital descends directly from EuroWeek (“the voice of the markets”), which has been covering new issues in primary markets for 26 years. Joining the platform are also several key capital markets publications from the Euromoney Institutional Investor Group: Asiamoney, Total Securitization and Derivatives Week. GlobalCapital also sees the introduction of a brand new service on the internationalisation of the RMB.
The combination of these elements on state-of-the-art new web technology provides a device-neutral, flexible global news and data service where relevant related articles and data are a click away.
GlobalCapital.com delivers daily services dedicated to the following key market sectors: FIG/Bank Finance including Covered Bonds, Corporate Bonds, Syndicated Loans, Equity, Leveraged Finance, Sovereign and Supranational and Agency Bonds (SSA), SRI/Green Bonds, Global Emerging Markets, Securitization, Asia Pacific Markets, Derivatives, and Offshore RMB. The service comes with sector specific priced deals data sets, league tables, deal pipelines and people moves.
ICLG.com is a leading global platform for legal reference, analysis and news, hosting comprehensive comparative legal guides and research tools that cover law in more than 191 jurisdictions across 59 practice areas. ICLG.com also provides daily legal news and legal conference directories, as well as online purchasing of the renowned International Comparative Legal Guide series of print publications. ICLG.com also forms an international network of legal experts who, by contributing their experti ... (view full description)
ICLG.com is a leading global platform for legal reference, analysis and news, hosting comprehensive comparative legal guides and research tools that cover law in more than 191 jurisdictions across 59 practice areas. ICLG.com also provides daily legal news and legal conference directories, as well as online purchasing of the renowned International Comparative Legal Guide series of print publications.
ICLG.com also forms an international network of legal experts who, by contributing their expertise, reach a wide readership of legal and business professionals around the world. ICLG.com contributors and partners also benefit from a multi-channel marketing and promotion service which ensures them high visibility, online, in print and at legal events worldwide.
The Securitisation & Structured Finance Handbook 2022 offers a detailed insight into the securitisation and structured finance sector, looking at changes and developments in light of the Covid-19 pandemic. Providing an overview of the current international marketplace, the 2022 edition of the Handbook will feature debates and analyses from worldwide experts on the future direction of the markets. Areas due to be covered include: the ABS market throughout the stages of Covid-19; the role of ... (view full description)
The Securitisation & Structured Finance Handbook 2022 offers a detailed insight into the securitisation and structured finance sector, looking at changes and developments in light of the Covid-19 pandemic.
Providing an overview of the current international marketplace, the 2022 edition of the Handbook will feature debates and analyses from worldwide experts on the future direction of the markets.
Areas due to be covered include: the ABS market throughout the stages of Covid-19; the role of CLOs as an important aid in Covid recovery; Solar ABS transactions; Aircraft ABS market; CMBS investing; STS securitisations and the EU securitisation framework; ESG policies and green securitisation; Managing the risks in MBS; European ABS markets; REITs; European CLOs; regional and country profiles; and regulatory reviews.
The Handbook is a valuable reference point for anyone wishing to further expand their knowledge on this exciting financial sector.
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*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.
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 dataprotectionofficer@euromoneyplc.com 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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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).
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:
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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.
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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.
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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 KingdomEmail: dataprotectionofficer@euromoneyplc.com
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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