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Terms of Use

GBAF WEBSITE TERMS OF USE
Please read our Terms of Use (“Terms”) set out below very carefully as they confirm the basis upon which you may access the Global Banking & Finance Review website (“GBAF Website”) and read and make use of its content (“GBAF Content”).
The Terms apply to your use of the GBAF Website and any of the GBAF Content irrespective of the delivery platform or device you may use to access it.
Except where we state otherwise, all references in these Terms to “GBAF”, “we”, “us” or “our” refer to GBAF Publications Limited (“GBAF”) whose registered office is situated at Kemp House, 152-160 City Road, London EC1V 2NX, United Kingdom and, where applicable, to the Global Banking & Finance Review.
1. Acceptance by you of the Terms
Your use of the GBAF Website constitutes your acceptance of the Terms. If you do not accept the Terms, then you should immediately stop using the GBAF Website.
We cannot guarantee that you will always be able to access the GBAF Website and we will not be liable to you for any interruption or delay that you experience in accessing the GBAF Website, whatever the cause.
GBAF does not warrant that the GBAF Website or the server that makes it available are free of viruses or bugs.
2. Amendments to the Terms
Any amendments to the Terms will be posted on this page and the date of the then current version of the Terms will appear in paragraph 10 at the end of the Terms. We urge you to read the complete Terms and to visit this page regularly to ensure that you are aware of our then current Terms.
3. Ownership of Content
GBAF’s ability to publish the GBAF Website and to invest in professional financial journalism depends on our users complying with this Paragraph 3.
All GBAF Content is owned by GBAF or its licensors who between them own all intellectual property rights (including copyright and database rights) in the GBAF Content and any arrangement thereof. You may not reproduce GBAF Content without GBAF’s written permission.
If you wish to reproduce GBAF Content please contact us for an appropriate license.
However, you are welcome to read GBAF Content for your personal use on any device that is compatible with the GBAF Website and you may store GBAF Content on that device for your personal use. You may also print single hard copies of articles for your personal use.
You may not republish or redistribute full text articles without a licence from us. You may, however, republish or redistribute “Summaries” of articles from the GBAF Website so long as a prominent credit is given to GBAF on such Summaries indicating that GBAF is the original source of the material contained therein.
“Summaries” can be either an “extract” or an “abstract”. An “extract” means up to 200 words copied verbatim from an article which are inserted into a longer original work. An “abstract” means a non-verbatim summary of the news or facts reported in an article forming part of GBAF Content which does not form part of a longer work.
4. Links to other websites or on-line services
The GBAF Website may contain links to other Internet websites or online and mobile services provided by GBAF or by independent third parties, including websites of our advertisers and sponsors (so-called “Third Party Sites”).
Some of these links may generate revenue for us at the time they are clicked on or if someone subsequently uses the services of that Third Party. All links are provided because we believe they may be of interest to you and are made available on the GBAF Website for your convenience only.
We do not endorse or recommend any Third Party Sites or their contents and it is your decision whether or not you purchase or use any third party products or services made available on or via Third Party Sites and you should read paragraph 7 below very carefully.
5. Advertising and Sponsorship
The GBAF Website contains advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the GBAF Website complies with international and national law. GBAF is not responsible for any error or inaccuracy in advertising or sponsorship material.
6. Rights in Software
Copyright and all other rights in any software that is made available for download from the GBAF Website belongs to GBAF or its suppliers. Your use of the software is governed by the terms of any licence agreement that may accompany or be included with the software. Please do not install or use any of such software unless you agree to such licence agreement. GBAF is not responsible for any technical or other issues or loss that may occur if you download any such software.
7. Liability Disclaimer
We take all reasonable steps to ensure that the information on the GBAF Website and within GBAF Content is correct, but we do not guarantee that it is and we, therefore, exclude any liability up to the maximum amount that the law allows.
Accordingly, we will not be responsible for any loss you may suffer as a result of any omission or inaccuracy on the GBAF Website and within GBAF Content.
Also, please note that the material displayed on the GBAF Website is in no way an endorsement or recommendation of companies, products or services (whether or not they may be recipients of Global Banking & Finance Review Awards).
GBAF does not accept any liability whatsoever for the content of external web sites.
Nothing in the GBAF Website constitutes professional advice and any user of the GBAF Website must consult a suitably qualified professional adviser for advice relating to a specific enquiry or issue arising from material appearing on the GBAF Website.
8. Privacy Policy
We are committed to protecting users’ privacy. We will not provide any of the personal information you give us to any third party. Any information submitted to GBAF via the GBAF Website is held by GBAF in strict accordance with the provisions of the Data Protection Act 1998.
9. Miscellaneous
If any provision of the Terms is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of the Terms which will remain in full force and effect.
Headings in the Terms are for convenience only and have no legal meaning or effect.
The Terms are subject to English law and the English courts will have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with the Terms.
10. Current Terms
These Terms were last updated on 1st November 2012 and supersede all previous Terms applicable to your use of the GBAF Website and GBAF Content.