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Track A: 101 Series
Track B: Non-traditional securitisations
Track C: Regulation
- Understanding the benefit of securitisation to the real economy
- Identifying the key players and understanding the structure of an ABS deal
- The role of securitisation as a capital management and funding tool
- How can securitisation deliver relative value?
- Comparing and contrasting with covered bonds
- With yields in traditional ABS classes diminishing, where can investors go?
- Handset, Marketplace, US Solar and PACE, UK student loans, insurance securitisation
- Challenges? What is the impact of funding and regulatory constraints?
- Diversity: is the overall diversity of collateral improving?
- What it all means, where are we in the process, and where is it headed?
- EU and U.S. compare and contrast
- Overview of the timeline of regulations and where we are in the evolution
- Are we done or is there more to come?
Track A: 101 Series
Track B: Non-traditional securitisations
Track C: STS Technical Workshops
Track D: Accounting and Regulatory
- Identifying the key players and understanding the structure of an RMBS deal
- The role of securitisation in mortgage finance
- How can securitisation deliver relative value for real estate investors? Mortgage lenders?
- Comparing and contrasting as a funding tool and investment opportunity with covered bonds, loans, and other forms of finance
- Overview of this emerging asset class for Europe
- Understanding the ABC’s of STS
- Goals and intention of STS development and implementation
- What are the benefits of STS?
- Detailed overview of requirements
- Are the requirements clear enough? Where do the remaining key issues lie?
- Key issuer compliance requirements
- STS notification considerations
- Overview of issuer supervision and enforcement
- Considerations for non-EU issuers and possible Brexit implications
- How does the trustee function fit in going forward?
- What has recent involvement in CLOs, other ABS and project finance demonstrated?
- Recent issues through the trustee lens, i.e. LIBOR, automated issuance technologies, AML, NPLs, green bonds
- Is there further evolution ahead for trustees?
- Defining the various types of non-performing loans: recoverable vs. unlikely to be repaid
- Overview of the key markets and asset types: Greece, Italy, Portugal, Ireland and Spain
- Lender strategies for disposing of NPLs; cash vs. synthetic
- The case for internal management
- Understanding the role of the servicer /special servicer in getting assets re-performing
- Timeline for conversion to an RPL
- From blockchain, data and analytics tools, to online lending: How is technology shaping our market?
- Due diligence requirements for investors in ABS including on STS matters
- What will the self-attestation model of STS notification mean for investors? What will investors need to do on top of this?
- Are the benefits of STS enough to encourage investment? What should the treatment of STS positions be?
- Cross border investing: Will USD and other cross border ABS become verboten without the STS label?
- Overview of investor supervision and enforcement process
- Risk retention
- Qualified Mortgages
- Rue diligence requirements
- AIFMD/Solvency II
- Defining balance sheet synthetic securitization
- Compare and contrast various methodologies to accomplish transfer of risk: credit default swaps, credit guarantees or other derivatives contracts
- Motivation for banks to issue a synthetic transaction vs. true sale
- Funding versus capital relief: the motivation for synthetic deals
- Understanding the assets securitized: SME loans, trade receivables and other eligible assets
- How is a synthetic ABS structured
- What is the real scope for diversifying the consumer lending landscape?
- Why has this form of lending not evolved as it has in the US?
- How might it evolve in Europe post crisis?
- Overview of the key (non-STS related) requirements in the new EU securitisation regulation
- Credit granting standard obligations
- Risk retention requirements
- Transparency and Disclosure Standards
- Key compliance considerations for public and private transactions
- Where do the remaining issues lie?
- What will the requirements mean for non-EU deals?
- Impact on Auto ABS, Spanish legacy RMBS
- Investor View: what do they require, disclosures, representations
- Nine months from Brexit is the UK prepared? Is the EU?
- What are the chances of a “no-deal” Brexit? What will it look like?
- Is Europe trapped between populism (Italy) and “the same old politics” (Germany)?
- Is Eurozone growth here to stay? How sustainable is European debt?
- Will we see a complete Banking Union, Capital Markets Union and common European treasury in the next five years?
- 20%-40% Youth unemployment across the EU: have we lost a generation? What is their future and how will they get future access to credit?
- What will be the impact of ECB tapering in the context of all sectors, either direct or indirect?
- Timeline for the winding down of ECB and BOE Term Funding Schemes
- How do policy makers view the adjustment?
- Is QE part of the problem or part of the solution for ABS?
- What will be the impact on absolute and relative spreads for ABS, covered bonds, corporates and sovereigns?
- If spreads blow out, does ABS remain executable as a funding choice?
- What needs to happen for the European securitisation market to return to normal conditions and start growing again?
- As spreads continue to tighten, are we seeing any signs of overheating?
- Where do you invest? Where are we in the business and credit cycle?
- What should keep us awake at night? Brexit? North Korea? The loss of the political mainstream?
- Are investors investing in products they do not fully understand?
- Unintended consequences of MiFid and its impact on ABS liquidity. Was the decoupling of research necessary? What will be the impact of trade reporting under MiFid? Labelling ABS as an illiquid instrument
Sir Nick Clegg
- The Return of the Bank Lender: RMBS Outlook Post- Term Funding Scheme
- Trends in mortgage funding models and the role of new private equity backed lenders versus traditional bank lenders
- UK Buy to Let: are underwriting standards slipping?
- Is there scope for risk transfer as well as funding trades?
- How will the private market be affected by new disclosure rules?
- Will we see a return to the RMBS market once cheap central bank funding is turned off?
- How will banks' roles evolve as non-bank lending grows?
- Synthetic vs. cash funded
- Where is the risk transferred to?
- What assets to use (SME vs corporates)
- What are main considerations for issuers (data issues, competing products, timing to set up)
- What are biggest drivers for future issuance (BASEL 4 floors, leverage ratio )
- Role of CRT in NPL resolution
- Which deals have qualified and how much more work is to be done?
- What has the initial review process showed?
- Who is responsible for STS liability?
- How to ensuring compliance with criteria
- What legal comfort is available?
- Documenting compliance
- How will the model for rating agencies in Europe evolve under STS?
- What does the coming year hold?
- How does European CLO performance compare with other asset classes?
- What are the current structural trends?
- Will “re-issuance” continue, and why is it so prevalent?
- Leveraged loans: how do low collateral supplies impact primary issuance volumes and speed
- Will we see CLOs of new asset classes (i.e. mid-market) emerge?
- Is regulatory change finally stabilising? How will regulation change the market over the coming year?
- CLO Resets, Refis and re-issuance vs. new issuance in 2018. Which will prevail?
- Will shorter-dated consumer ABS benefit from Libor transition worries?
- Impact of the end of QE
- Issuance bright spots: autos, consumer credit, RMBS
- How has auto ABS coped with diesel emissions concerns and the tough new environment for diesel cars?
- ABS versus corporate bonds, equities, emerging markets
- Are structures emerging that are more levered, less investor friendly?
- Are call protections eroding? Is there wider acceptance of weakened standards?
- Is there more “ratings shopping”?
- Are documentation and underwriting standards eroding?
- Post-Brexit, we may face two separate but parallel securitisation / STS regimes: one for the UK and one for the EU
- What are the key implications for issuers and investors?
- Will UK asset managers still be able to manage European funds?
- How will a UK originator see the investor base change? And a EU originator?
- How will spreads be affected?
- How will investor buying UK assets react?
- How will Brexit affect the staffing model for ABS?
- CLOs vs. corporates, or ABS
- Liquidity of CLOs: why do they always price wider than anything else?
- There seems to be a permanent premium for the asset class, why is this the case vs. granular consumer ABS?
- Is there still value in CLOs and why?
- Is the duration on CLOs too long, and therefore too risky if spreads widen?
- Regulatory treatment – is there an unfair bias against CLOs by regulators?
- Investing in U.S. CLOs vs EU CLOs
- Refi and resets vs. new issuance
- US interest rate cycle and how will this affect performance
- Risk of defaults impacting performance
- Will FRTB worsen already difficult liquidity conditions in Europe by sidelining the major providers of risk trading capital (banks)?
- If so, will there an alternative to investment banks when it comes to provision of liquidity and facilitation of markets?
- E-Trading: Can electronic trading substitute in the absence of bank capital
- Can the market through technology create more efficient trading of loans and shortened settlement periods?
- Has the potential for volatility in valuations re-directed a lot of risk capital into direct lending as opposed to ABS? Does this end up increasing hidden risk in the system?
- Underlying macro-factors including commercial property occupancy rates, foreclosure rates, price trends and demand for commercial e-lending
- Loans versus CMBS: why are loans currently favored as the funding tool of choice?
- Will we see a revival of the CMBS market anytime soon? What would be required to restart the market?
- Synthetic CMBS
- Technical details of compliance: (lawyer and arranger)
- Accounting viewpoint on fair valuation
- The issuer perspective: how they got comfortable with the number and how they chose their method of RR
- Ideas going forward
- Implications for European transactions
- Key assets and markets: Ireland, UK, Spain
- Re-performing mortgages. Seeing deals from Spain, France and Italy
- Continued appeal of ABS as a funding tool
- Outlook for mortgage, SME, credit card, consumer loan ABS volumes in 2018/2019
- Role of non-bank, specialty lenders in the consumer space: online and offline
- Profiling the new non-conforming lenders in mortgages, autos, credit cards and potential supply for ABS
- How difficult is it for a new lender to launch?
- How do you see STS?
- How are ratings affected?
- Market changes and regulatory headwinds (IFRS 9) of note
- Applications for blockchain in ABS: Regtech compliance i.e. STS, as a smart check on ABS transactions
- Practicalities of blockchain for ABS. How will it come and drive change in our industry?
- How may it actually work for an investor?
- What will serve as the new benchmark of objectivity; Policy alternatives to LIBOR
- How will this affect European Money Market Institute’s Euribor functioning
- Development of an ECB risk free rate
- Key considerations for ABS
- What (if anything) can be done on transactions now?
- Emerging practice points EU vs U.S.
- Overall market for distressed assets being sold
- Compare and contrast progress to date in Ireland, Italy, Greece, CEE versus the UK
- Key differentials for investing in NPLs versus in other products
- Strategies for NPL management: cash vs. synthetic transfer transaction vs. internal management
- Strategies for getting NPLs re-performing: timeline, likelihood and how long must the loans be seasoned for investors to feel secure?
- Structural features unique to each region
- How do the CRAs view Auto ABS in Europe versus US and China in terms of credit quality? Why are the yields so low in Europe and so high in China, is this merited?
- Europe: Accounting and regulatory headwinds for issuers under IFRS 9 / STS
- How can better gender and diversity balance help create more successful securitisation markets?
- Why is diversity important – from an institutional/corporate perspective, as well as from a policy perspective?
- What are some of the challenges with respect to attracting, retaining and promoting diverse talent?
- In an ideal world, what might future diversity efforts entail?
- Risk weighted assets, FRTB, leverage ratio, LCR
- Will simple transparent and comparable securitisations provide any relief?
- How worried should we be about the Basel proposals for the trading book (FRTB)?
- How will the leverage ratio reshape the market?
- Technical Changes in CRR
- ABC’s of Private Debt: Key factors to consider, risks and avoiding trouble
- They look like ABS, but they aren’t subject to securitisation rules: overview of recent transactions and deal structures
- As securitisation becomes more esoteric and more bilateral in nature, are we morphing away from public bond market into a structured product market?
- Will this removal of collateral hinder the public ABS market?
- Outlook for regulatory treatment of private placement deals; will they continue to benefit from more favorable treatment, or will U.S. 144A-like regulations emerge in Europe
- Finding relative value in private secured debt
- General impact on the securitisation market of event- driven securitisations
- Private Equity’s use of private and public securitisation for portfolio acquisition
- What are private equity investors buying and securitising? Loan portfolios from corporates, large financial institutions, governments, marketplace lenders, direct investment in lender platforms
- Are PE firms now looking for long term plays in ABS versus their traditional short term investment approach?
- Comments on significant transactions done to date
- Securitisation as a methodology to assess the acquisition value of these assets
- End investor (AAA) concerns for mortgage portfolio sales: rep and warranty enforcement, servicing analysis, buyback concerns, risk retention compliance, do the deals get called at some point?
- Developments in opening the Chinese market to the foreign investor: Bondconnect
- Overview of the Chinese ABS Market: assets and structures
- What is the quality of the ratings in China?
- The first AAA rating for an Auto ABS in China
- How to make the securitization market a more efficient tool to finance the economy and attract international investors?
- Legal regimes of ABS: what protections for the investors? A view on the legal system and its practice
- How much of a problem is divergence in regulatory treatment across different EU member states?
- How helpful was the EBA’s recent consultation on SRT?
- Will “STS synthetics” help the market grow?
- How far off are we from seeing STS synthetics recognized in regulation?
- Have covered bonds cannibalized RMBS?
- Have they made it too easy / cheap for issuers and driven down yields for investors?
- Can we expect a more level playing field in regulatory treatment of RMBS versus CBs?
- When the CBPP ends, can the covered bonds market stand on its own?
- Are there natural limits (e.g. encurmbrance) to covered bond issuance?
- Are the covered bonds and RMBS markets decoupled? If covered bonds shrink, will RMBS fill the funding gap?
- How feasible are the proposals for European Secured Notes?
- Have managers now come to terms with risk retention and implemented their solutions?
- How CLO 2.0 structures have impacted managers
- Is the change in manager landscape a good development for investors or not?
- Are PE firms better placed to be CLO managers?
- Assessing different types of managers
- Challenges in launching a new fund
- Australian RMBS grew a lot in 2017, why was this?
- Has the housing market or the lending market taken off?
- Why is ABS finding new favour?
- Housing crisis update
- What does “green” mean in an ABS context?
- What drives and will drive expansion in the Green ABS market?
- Into which sectors will the Green ABS market extend in the short term?
- Is verification/certification required for an ABS deal to be green?
- Should there be political/regulatory incentives for investors to buy Green ABS?
- How cost effective is Green ABS? Do investors demand a premium or grant a discount?
- Can Europe learn from green bond progress in other regions, e.g. India, China, US?
- Estimated issuance volume of NPL ABS in 2018
- STS label: would NPL ABS ever qualify and if not, will this adversely impact investor appetite?
- What about risk retention requirements in the EU and U.S.? How will issuers finance this requirement and will it hinder further securitisations?
- Attracting investor interest for the junior tranches of NPL securitisations
- What is the impact of Risk Retention repeal in the US on European investor participation in USD deals
- Continued regulatory divergence impact on relative value of investing in the US versus Europe
- Risk Retention financing strategies in Europe
- With the easing of QE, will Spain, Italy, Portugal, Ireland and France be enticed back to the ABS market?
- Favoured form of funding: will it be covereds, ABS or unsecured?
- Irish NPLs and performing loan portfolios
- Primed for growth after LTRO expiration: Why is Spain such a huge opportunity and interest area? Spain gets upgraded this year, will AAA issuance by the Spanish banks return? How does this broaden the investor base?
- Portuguese RMBS and ABS
- Will we see more ABS from Italy and Greece as an NPL financing strategy?
- Now that STS is finalized, will SME issuers take advantage and come back to market, or is something still missing?
- Why won’t covered bonds backed by SME loans work?
- Role of asset managers or online lending in SME finance and ABS supply
- Will new SME ABS supply come in from NPLs, especially from Italy?
- Experience so far
- Pricing of portfolios (cost of duration, cost of funding, cost of servicing, legal costs)
- Role of private equity in providing risk protection and capital relief
- Does government guarantee schemes make a difference in pricing?
- What could move prices up?
- Do buyers give value to jurisdictional changes (work-out)?
- Importance of buying your own servicer in the local jurisdiction to understand the local legal framework, realistic valuation and recovery evaluation (how quickly and how much).
- How do recovery expectations differ between sellers (banks) and buyers (private equity)?
- US Solar ABS
- US PACE and PACE expansion in Europe
- Obstacles including currency swap pricing and political, economic concerns
- Outlook for issuance in autos and mortgages
- Role of the international investor
- With the CMHC winding down in Canada, will Canadian RMBS issuers seek out the European investor even more?
- Update on the long term structural reform agenda post March elections in Italy
- Is political uncertainty plaguing the market, is progress on insolvency and bankruptcy law stalled indefinitely?
- What is the prospect for further bank consolidation and cutting operating costs?
- Estimated issuance volume of Italian and Greek NPL ABS in 2018/2019
- The Rating Agencies' View: Senior note ratings/mezzanine note ratings
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websites and online publications ("you"), and are committed to ensuring a safe online experience.
This Privacy Statement outlines the information we may collect about you in relation to your use of our websites and related publications and services ("personal data") and how we may use that personal data. It also outlines the methods by which we and our service providers may (subject to necessary consents) monitor your online behaviour in order to deliver customised advertisements and marketing materials and other tailored services. This Privacy Statement also tells you how you can verify the accuracy of your personal data and how you can request that we delete or update it.
This Privacy Statement applies to all websites operated by us (as indicated on the relevant website) ("Sites"). For the purpose of this Privacy Statement
"group company" shall mean Euromoney Institutional Investor plc and any of its subsidiary companies, including, without limitation, Institutional Investor Inc.
Please note that the Sites may contain links to external sites and may contain advertisements for, and/or the opportunity for you to purchase products or services
from third parties. This privacy statement does not cover the activities of such third parties, and you should consult those third party sites' privacy policies for
information on how your data is used by them.
By accessing and using the Sites you are agreeing to the terms of this Privacy Statement.
Information about us
Our principal business activities are:
- Business-to-Business Financial Publishing. We provide a range of products and services focused on international finance, metals, commodities, telecoms and emerging markets including magazines, newsletters, electronic information and data
- Organisers of Seminars, Conferences, Training Courses and Exhibitions for the financial markets industry
Euromoney Institutional Investor plc Company Address:
London EC4V 5EX
Institutional Investor, Inc. Company Address:
1120 Ave of the Americas, 6th floor
New York, NY 10036
Name of the Data Controller
The Data Controllers are Euromoney Institutional Investor plc and Institutional Investor Inc.
Euromoney Institutional Investor plc is subject to the UK Data Protection Act 1998 and is registered in the UK with the Information Commissioner's Office.
Collection of Personal Data
Our primary goal in collecting personal data from you is to give you an enjoyable customised experience whilst allowing us to provide services and features that most likely meet your needs.
We collect certain personal data from you, which you give to us when using our Sites and/or registering or subscribing for our products and services. However, we also give you the option to access our Sites' home pages without subscribing or registering or disclosing your personal data.
We also collect certain personal data from other group companies to whom you have given information through their
websites (including, by way of example, Euromoney Institutional Investor plc and Institutional Investor Inc, in accordance with the purposes listed below).
Please note that we do not intend to collect any personal data from children under thirteen years of age and no child under thirteen should submit any personal data to any of the Sites. Should we discover that any such personal data has been delivered to any of the Sites, we will remove that information as soon as possible.
Types of Personal Data Held and its Use
- Customer Services and Administration
At some Sites, Euromoney collects personal data such as your name, job title, work and/or home address, and telephone number and email address in order to register you for access to certain content and subscriptions. This information may be supplemented with demographic information from your use of our Sites such as your postal area, age, gender, purchasing preferences and interests.
At other Sites, Euromoney may only collect broad demographic information for aggregate use.
This information is used to administer and deliver to you the products and/or services you have requested, to operate our Sites efficiently and improve our service to you, and to retain records of our business transactions and communications. By using the Sites and submitting personal information through the registration process you are agreeing that we may collect, hold, process and use your information (including personal information) for the purpose of providing you with the Site services and developing our business, which shall include (without limitation) the purposes described below in paragraphs 2 and 3.
- Monitoring use of our Sites
Where, as part of our Site services, we enable you to post information or materials on our Site, we may access and monitor any information which you upload or input, including in any password-protected sections. Subject to any necessary consents, we also monitor and/or record the different Sites you visit and actions taken on those Sites, e.g. content viewed or searched for. If you are a registered user (e.g. a subscriber or taking a trial), when you log on, this places a cookie on your machine. This enables your access to content and services that are not publicly available. Once you are logged on, the actions you take - for example, viewing an article - will be recorded (subject to any necessary consents). We may use technology or a service provider to do this for us. This information may be used for one or more of the following purposes:
- to fulfil our obligations to you;
- to improve the efficiency, quality and design of our Sites and services;
- to see which articles, features and services are most read and used
- to track compliance with our terms and conditions of use, e.g. to ensure that you are acting within the scope of your user licence;
- for marketing purposes (subject to your rights to opt-in and opt-out of receiving certain marketing communications) - see paragraph 3 below;
- for advertising purposes, although the information used for these purposes does not identify you personally. Please see paragraph 5 below for more details;
- to protect or comply with our legal rights and obligations; and
- to enable our journalists to contact and interact with you online in connection with any content you may post to our Sites.
Please see paragraph 5 below for more information on cookies and similar technologies and a link to a page where you can turn them on or off.
Some of your personal data collected under paragraphs 1 and 2 above may be used by us and/or our other group companies and third party service
providers to contact you by email, fax, telephone and/or post for sending information or promotional material on our products and/or services and/or
those of our other group companies.
We give you the opportunity to opt-out of receiving marketing communications and will in certain circumstances need to obtain your consent before sending such communications to you. Further detail can be found on the applicable Site and in each marketing communication sent by us, our group companies or service providers. See also "Consents and opt-outs" section below.
- Trading in Personal Data:
Some of your personal data may be collected and processed with the intention of selling it to other organisations, but this will not be done unless you have given your consent (separately to this privacy statement).
- Cookies and similar technologies
Cookies are pieces of information which include a unique reference code that a website transfers to your device to store and sometimes track information about you. A number of cookies we use last only for the duration of your web session and expire when you close your browser. Other cookies are used to remember you when you return to the Site and will last for longer. Cookies cannot be used to run programs or deliver viruses to your computer. They are uniquely assigned to you and can only be read by a Web server in the domain that issued the cookie.
- remember that you have used the Site before; this means we can identify the number of unique visitors we receive to different parts of the Site. This allows us to make sure we have enough capacity for the number of users that we get and make sure that the Site runs fast enough;
- remember your login session so you can move from one page to another within the Site;
- store your preferences or your user name and password so that you do not need to input these every time you visit the Site;
- customise elements of the layout and/or content of the pages of Site for you;
- record activity on our Sites so that we understand how you use our Sites enabling us to better tailor our content, services and marketing to your needs;
- collect statistical information about how you use the Site so that we can improve the Site; and
- gather information about the pages on the Site that you visit, and also other information about other websites that you visit, so as to place you in a “market segment”. This information is only collected by reference to the IP address that you are using, but does include information about the county and city you are in, together with the name of your internet service provider. This information is then used to place interest-based advertisements on the Site which it is believed will be relevant to your market segment. For more information about this type of interest based advertising, and about how to turn this feature off please visit www.youronlinechoices.co.uk. (Please email us at firstname.lastname@example.org if you have any queries about cookies)
Some of the cookies used by our Sites are set by us, and some are set by third parties who are delivering services (such as interest based advertising directed at your market segment) on our behalf.
To see a list of the cookies and similar technologies used on this Site and instructions on how to turn them on and off click here. (Please email us at email@example.com if you have any queries about cookies)
Most web browsers automatically accept cookies but, if you prefer, you can change your browser to prevent that or to notify you each time a cookie is set. You can also learn more about cookies in general by visiting www.allaboutcookies.org which includes additional useful information on cookies and how to block cookies using different types of browser. Please note however, that by blocking, deleting or turning off cookies used on the Site you may not be able to take full advantage of the Site.
Email tracking: So that we can better understand our users' needs, we track responses to our emails - for example, to see which links are the
most popular in newsletters, and to log and follow up responses to our marketing messages. To do this, we use pixel GIFs, also known as "pixel tags" - these are
small image files that are placed within the body of our email messages. They enable us to tell if a message has been opened and to track click-throughs on links
within the message.
Any other purposes for which Euromoney wishes to use your personal data will be notified to you and your personal data will not be used for any such purpose without obtaining your prior consent.
Consents and opt-outs
You can give your consent to or opt out of particular uses of your data as indicated above by:
- Indicating at the point on the relevant Site where personal data is collected;
- Informing us by email, post or phone; or
- Updating your preferences on the applicable Site;
For turning cookies and similar technologies on and off, see the information in paragraph 5 above.
Information collected at one Site may be shared between Euromoney Institutional Investor plc, Institutional Investor Inc. and other group companies for the purposes listed above.
Your personal data may also be sold to other companies in the form of lists and directories, but only after permission from you in accordance with the provisions above.
We may also disclose your personal data to other third parties, including, without limitation, professional advisers, or governmental or State institutions or regulatory authorities, where necessary in order to exercise or defend legal rights or where required by law.
We may transfer, sell or assign any of the information described in this policy to third parties as a result of a sale, merger, consolidation, change of control, transfer of assets or reorganisation of our business.
Public forums, message boards and blogs
Some of our Sites make message boards, blogs or other facilities for user generated content available and users can participate in these facilities. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to disclose your personal information.
Transfers outside the EEA
Services on the Internet are accessible globally so collection and transmission of personal data is not always limited to one country. Euromoney Institutional Investor plc may transfer your personal data, for the purposes listed above, to other group companies, service providers or other third parties which may be located in countries outside the European Economic Area, whose laws may not give the level of protection to personal data as within the UK. This will include transfers to Institutional Investor Inc. in the US (and Institutional Investor Inc. will collect some data directly from you, in relation to the Sites which it operates) and to third parties who provide us with email and marketing services. Where we conduct any transfers we will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Statement.
Confidentiality and Security of Your Personal Data
We are committed to keeping the data you provide us secure and will take reasonable precautions to protect your personal data from loss, misuse or alteration.
The transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features described above to try to prevent unauthorised access.
We have implemented information security policies, rules and technical measures to protect the personal data that we have under our control from:
- unauthorised access
- improper use or disclosure
- unauthorised modification
- unlawful destruction or accidental loss
All our employees, contractors and data processors (i.e. those who process your personal data on our behalf, for the purposes listed above), who have access to, and are associated with the processing of your personal data, are obliged to keep the information confidential and not use it for any other purpose than to carry out the services they are performing for us.
We also give you the option of using a secure transmission method to send us personal data identifiers, such as credit card details and bank account number.
How to Access, Update and Erase your Personal Information
- Postal mail to this address: Data Protection Officer, Euromoney Institutional Investor plc, Nestor House, Playhouse Yard, London EC4V 5EX, UK
- Telephone: +44 (0)20 7779 8600
- Email: firstname.lastname@example.org
Upon request, we will provide you with a readable copy of the personal data which we keep about you. We may require proof of your identity and may charge a small fee (not exceeding the statutory maximum fee that can be charged) to cover administration and postage.
Euromoney allows you to challenge the data that we hold about you and, where appropriate in accordance with applicable laws, you may have your personal information:
- rectified or amended
Changes to this Privacy Statement
We will occasionally update this Privacy Statement to reflect new legislation or industry practice, group company changes and customer feedback. We encourage you to review this Privacy Statement periodically to be informed of how we are protecting your personal data.
This Privacy Statement was last updated in April 2012.
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