These terms were last updated on November 21, 2023.
Nothing contained in these Terms is intended to modify or amend any other written agreement you may currently have with us (including any customer agreement) (“Other Agreements”). In the event of any inconsistency between these Terms and any Other Agreements, the Other Agreements will govern.
Your use and browsing of the Service is at your risk. If you are dissatisfied with any of the materials contained in the Service, with the quality of service, or with these Terms, your sole and exclusive remedy is to discontinue accessing and using the Service.
Modification. We may, in our sole discretion, update and change these Terms from time to time without notice to you. You understand and agree that your access to or use of our Services is governed by the Terms effective at the time of your access to or use of our Services. If we make material changes to these Terms, we will notify you by email or by posting a revised version of the Terms on our Site. We will also indicate at the top of this page the date that revisions were last made. You should revisit these Terms on a regular basis as revised versions will be binding on you. You understand and agree that your continued access to or use of our Services after the effective date of modifications to the Terms indicates your acceptance of the modifications.
Your Conduct. In using the Service, you agree that you may not:
- Engage in any conduct which violates these Terms;
- use automated means, including spiders, robots, offline readers, crawlers, data mining tools, or the like to download or store data from the Service. Exception is made for publicly available Internet search engines (e.g., Google, Bing) and non-commercial public archives (e.g., archive.org) that comply with our Terms of Service but not for any archive that hosts, promotes, or links primarily to infringing or unauthorized content;
- to alter or modify any part of the Service, make use that would interfere with or disrupt the Service or servers or networks connected to the Service, make any of Your Content available (whether through upload, post, email, transmit, or otherwise) that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment, and circumvent or disable any security or data-protection measures implemented by Global Finance;
- translate, reverse engineer, decompile, disassemble, or attempt to discover any source code or underlying ideas or algorithms of the object code of any portion of the Service; and
- engage in any conduct that may constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law.
Global Finance reserves the right to prohibit access to and/or take legal action with respect to any individual or entity engaging in any conduct in violation of this agreement. Please note that unauthorized entry (commonly referred to as hacking) into any portion of the Site may constitute a crime under state and/or federal law. Global Finance will prosecute these violations to the fullest extent permitted by law.
Truthful and Accurate Information. If a registration process is offered or required to use part of the Service, you agree to (a) provide true, accurate, current, and complete information about yourself as prompted by the Service registration form (“Registration Data”), and (b) maintain and promptly update the Registration Data to keep it true, accurate, current, and complete.
Upon completing the registration process, you shall receive confirmation of a password and username. You are responsible for maintaining the confidentiality of the password and username, and you are fully responsible for all activities that occur under your password or username. You agree to (a) immediately notify Global Finance of any unauthorized use of your password or username or any other breach of security; (b) exit from your account at the end of each session; and (c) defend, indemnify, and hold harmless Global Finance from any loss or damage arising from unauthorized use of your password or username.
By registering, using the Service to subscribe to Global Finance’s publications, or otherwise providing information about yourself, you are affirming that you are of legal age in your jurisdiction to access this site, and you have the requisite power and authority to enter into these Terms. Furthermore, you consent to the collection of your data, including, without limitation, Registration Data, by Global Finance and processing of such data by Global Finance in connection with your use of the Service or the purposes for which you provide your information. You consent to the technical processing and transmission of your information involved in your use of the Service, and you acknowledge that such process may involve (a) transmission of such data over various networks; and (b) modifying such data to conform and adapt to technical requirements of connecting networks or devices.
Intellectual Property. The Service is owned by Global Finance. All of the content featured or displayed on the Service, including, but not limited to, still images, text, pictorial works, video images, still images of video, graphic designs, audio recordings, multimedia combinations, and computer programs, including web-based programs (“Content”) is owned or licensed by Global Finance.
Advertisements for third-party entities are not considered Content for the purposes of this Section. However, these advertisements are owned or licensed by their respective third-party entities and are subject to protections similar to those set forth in these Terms.
Your Use of Content. This Site and the Services may contain copyrighted works and trademarks and other proprietary material owned or used by Global Finance or its content providers. If no restrictions are displayed, you may download, view and copy the information available from this Site for non-commercial personal or educational purposes only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. However, except as stated above, you may not copy, reproduce, publish, post, transmit, display, store, sublicense, transfer or distribute material or images from this Site without the express written permission of Global Finance and/or its content providers. You may not modify, alter, revise, paraphrase, omit, or change any material or images on or from this Site without the express written permission of Global Finance and/or its content providers. You may not create derivative works, whether based in whole or in part upon the information on this Site or any portion thereof, except as expressly authorized. You may not modify, amend, reduce the size of or in any way obliterate any warning, notice, liability limitation, or other license provision in material or images on or from the Site or Services and provided by Global Finance for itself or other content providers. You may not assign, sublicense, transfer, pledge, lease, rent or share your rights under these Terms, unless otherwise agreed to in writing by Global Finance. Nothing contained on this Site and/or the Services should be construed as granting, by implication, estoppel or otherwise, any license or right in and to Global Finance trademarks or copyrighted material of Global Finance or any third party without the express written permission of the applicable party. You agree to comply with reasonable written requests by Global Finance to protect the information providers’ and Global Finance’s respective rights in the information contained in this Site and/or as a part of the Services.
User Content. If the Service allows you to upload, comments you post, or other content you provide (“Your Content”) you will retain all of your ownership rights in material Your Content. However, by uploading Your Content you grant Global Finance a worldwide, perpetual license, without compensation, to display, distribute, reproduce, and create derivatives of Your Content, in whole or in part, without further review or participation from you, in any medium now existing or subsequently developed, in editorial, commercial, promotional, and trade uses in connection with the Service so that Global Finance may (i) use and authorize others to use your name and any profile picture you provide in association with Your Content for identification, editorially, publicity related to Your Content or the Service, and for similar institutional promotional purposes and (ii) make Your Content available to users of the Service who may display and redistribute it in the same way that Global Finance makes all other Content available. You warrant that none of Your Content infringes on any third-party rights.
Liability. The Service is provided for informational purposes only. The Service may be modified, updated, interrupted, suspended or discontinued at any time without notice or liability. The Service should not be used in any high-risk activities where damage or injury to persons, property, environment, finances or business may result if an error occurs. You expressly assume all risk for such use.
The Service may provide, or third-parties may provide, links to other sites or resources. Because Global Finance has no control over such sites and resources, you acknowledge and agree that Global Finance is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Global Finance shall not be responsible or liable for any damage or loss caused or alleged to be caused in connection with use of or reliance on any such linked content, goods or services available on or through any such linked site or resource.
THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE SITE AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, GLOBAL FINANCE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. GLOBAL FINANCE MAKES NO WARRANTY THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS SITE, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. GLOBAL FINANCE NEITHER WARRANTS NOR MAKES ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SITE OR MATERIALS ON THIS SITE OR ON THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL GLOBAL FINANCE, OR OUR SUBSIDIARIES, PARENT COMPANIES, AFFILIATES, SERVICE PROVIDERS, AND/OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE, INCLUDING ITS MATERIALS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THIS SITE, EVEN IF WE ARE ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THE LIABILITY OF GLOBAL FINANCE’S AFFILIATES, SERVICE PROVIDERS, AND/OR LICENSORS IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.) YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT GLOBAL FINANCE IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, OR ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.
CAUTION: ANY ATTEMPT BY ANY PERSON TO DELIBERATELY DAMAGE THE SITE IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, GLOBAL FINANCE RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.
You are solely responsible for all hardware and/or software necessary to access the Service. You assume the entire cost of and responsibility for any damage to, and all necessary maintenance, repair or correction of, that hardware and/or software.
Indemnification. You agree to indemnify, defend, and hold harmless Global Finance; its affiliates and partners; and their respective officers, directors, employees, agents, members, licensors, representatives, and third party providers to the Service from and against all losses, expenses, damages, and costs, including attorneys’ fees, resulting from any violation of these Terms. Global Finance reserves the right to assume, at its sole expense, the exclusive defense and control of any matter subject to indemnification by you, in which event you will fully cooperate with Global Finance.
Securities Information. THE INFORMATION PROVIDED IN ANY SERVICE OR IN THIS SITE DOES NOT CONSTITUTE INVESTMENT, TAX, FINANCIAL, LEGAL, OR OTHER ADVICE. GLOBAL FINANCE MAKES NO REPRESENTATION REGARDING THE ACCURACY OR IMPORTANCE OF ANY SERVICES. INFORMATION RECEIVED VIA THIS SITE OR THE SERVICES SHOULD NOT BE RELIED UPON FOR PERSONAL, INVESTMENT, TAX, LEGAL OR FINANCIAL DECISIONS, AND PRIOR TO THE EXECUTION OF ANY TRANSACTION BY YOU RELATED TO ANY INFORMATION YOU OBTAINED FROM THIS SITE OR THE SERVICES, YOU SHOULD CONSULT WITH YOUR FINANCIAL TAX AND INVESTMENT ADVISORS AND AN ATTORNEY, OR OTHERWISE SEEK APPROPRIATE PROFESSIONAL ADVICE TAILORED TO YOUR SITUATION. THIS SITE AND THE SERVICES ARE PUBLISHED SOLELY FOR INFORMATIONAL PURPOSES AND ARE NOT A SOLICITATION, RECOMMENDATION, ENDORSEMENT OR OFFER BY GLOBAL FINANCE OR A THIRD PARTY TO BUY OR SELL ANY STOCK, MUTUAL FUND, SECURITY, OR OTHER FINANCIAL INSTRUMENT. THE INVESTMENT INFORMATION PROVIDED ON THE SITE DOES NOT ATTEMPT OR CLAIM TO BE A COMPLETE DESCRIPTION OF THE SECURITIES, MARKETS, OR DEVELOPMENTS REFERRED TO IN THE MATERIALS. ALL EXPRESSIONS OF OPINION ARE SUBJECT TO CHANGE WITHOUT NOTICE. GLOBAL FINANCE DOES NOT UNDERTAKE TO ADVISE ANYONE VIA THIS SITE. GLOBAL FINANCE, ITS AFFILIATES, AND THEIR RESPECTIVE DIRECTORS, EMPLOYEES OR AGENTS MAY HAVE CLIENTS WITH POSITIONS IN SECURITIES OR COMPANIES MENTIONED ON THIS SITE, AND GLOBAL FINANCE MAY HAVE BUSINESS RELATIONSHIPS WITH SUCH COMPANIES.
Severability and Waiver. If a court determines that any portion of these Terms is illegal or unenforceable, then such portion will be construed in such a manner that would make the provision valid or enforceable. If it is not possible to construe the provision in such a manner that would make it valid or enforceable, then only the term or provision that make it unenforceable will be eliminated and the remaining Terms will remain in force and effect. Any failure of Global Finance to act on or enforce any provision of these Terms shall not be construed as a waiver of that provision or any other provisions of these Terms.
Entire Agreement; Jurisdiction And Choice Of Law And Forum; Arbitration
These Terms constitute your entire agreement with Global Finance regarding this Site and any Services, and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and Global Finance with respect to the Site or the Services. These Terms, the Site, the Services, and any and all claims relating thereto are governed by and construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law. You expressly and irrevocably agree that exclusive jurisdiction and venue for any claim or dispute with Global Finance, its employees, contractors, officers, directors, and content providers or in any way relating to or arising from to your use of this Site and/or the Services resides in an appropriate federal or state court located in the City of New York, State of New York, and you further irrevocably agree and expressly and irrevocably consent to the exercise of personal jurisdiction in those courts over any action brought relating to these Terms, the Site, or the Services.
You agree that if any dispute should arise between you and Global Finance related to or arising from your use of the Site and/or Services, you will bring your claim on an individual basis, and you hereby waive your right to pursue any claim in a class action. Regardless of any statute or law to the contrary, you must commence any cause of action you may have with respect to your use of the Site and/or Services within one (1) year after the claim or cause of action arises.
You agree that Global Finance, at its sole discretion, may require you to submit any disputes related to or arising from the use of this Site, the Services, and/or these Terms concerning or including any disputes related to, arising from or concerning their interpretation, violation, nullity, invalidity, non-performance or termination, as well as disputes about filling gaps in this contract or its adaptability to newly arisen circumstances to final and binding arbitration under the International Rules of Arbitration of the American Arbitration Association, by one or more arbitrators appointed in accordance with the said Rules. Notwithstanding these rules, however, such proceeding shall be governed by the laws of the state as set forth herein. Any award in an arbitration initiated under this clause shall be limited to monetary damages and shall include no injunction or direction to any party other than the direction to pay a monetary amount. Further, the arbitrator shall have no authority to award punitive, consequential or other damages not measured by the prevailing party’s actual damages in any arbitration initiated under this section, except as may be required by statute.
Copyright Agent. The Digital Millennium Copyright Act of 1998 (the “DMCA“) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe that your work has been made available on the Service in a way that constitutes copyright infringement, please provide our copyright agent with the following information: (a) a description of the copyrighted work that you claim has been infringed; (b) a description of the location where the material that you claim is infringing is located on the Service; (c) your address, telephone number, and e-mail address; (d) a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; (e) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf, and (f) an electronic or physical signature of the copyright owner or of the person authorized to act on behalf of the owner of the copyright interest. Any notification by a copyright owner or a person authorized to act on such copyright owner’s behalf that fails to comply with the requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon us actual knowledge of facts or circumstances from which infringing material or acts are evident. We suggest that you consult your legal advisor before filing a notice with our copyright agent because there are penalties for false claims under the DMCA.
Our copyright agent for notice of claims of copyright infringement can be reached at:
30 E 21st Street New York, NY 10010-7217