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Terms and Conditions of this Website

This World Wide Web site (Site) is owned and operated by PensionsBIB. By using this site, you signify your agreement to all terms, conditions and notices contained or referenced herein. If you do not agree with these Legal Terms, please do not use this Site. We reserve the right to, as determined in our discretion, to update or revise these Legal Terms at anytime. Please check these Legal Terms periodically for changes.

1. Trademarks

PensionsBIB’s trade names, trademarks, logos and service marks belong to PensionsBIB. All other trade names, trademarks, logos or service marks mentioned herein belong to their respective owners.

2. Intellectual Property Rights

All content, information, materials, photographs, video files, process, graphics and functionality (Materials) on the Sites are the exclusive property of PensionsBIB and its licensors and is protected by intellectual property laws. All rights not expressly granted are reserved.

Your terms of use do not grant to you a license hereunder to otherwise use, copy, distribute or transfer the Materials. All Materials provided via the Sites are intended for informational purposes only and are subject to change or withdrawal by Release Consulting Ltd at any time without notice. PensionsBIB assumes no responsibility for the accuracy or completeness of the Materials.

THE MATERIALS ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, INCLUDING (WITHOUT LIMITATION) ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

IN NO EVENT WILL PENSIONSBIB BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THE SITES, THE MATERIALS OR ON ANY OTHER HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA, EVEN IF PENSIONSBIB IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH

Unless expressly provided otherwise by PensionsBIB, all comments, feedback, information or materials submitted to PensionsBIB through or in association with the Sites shall be considered non-confidential and PensionBIB’s property. By submitting such comments, feedback, information or materials to PensionsBIB, you agree, at no cost or fee, to assign to PensionsBIB of all worldwide rights, title and interest in copyrights and other intellectual property rights to the comments, feedback, information or materials.

3. Third-Party Web Sites

The Sites may contain hyperlinks to other Web sites controlled by parties other than PensionsBIB. PensionsBIB is not responsible for and does not endorse the content on or use of these Web sites. The inclusion of such link does not imply the endorsement or support of such Web sites by PensionsBIB.

4. Other Terms

PensionsBIB controls the Sites from its offices in London, UK. You agree that any legal action, proceeding or other matters relating to your access to or use of the Materials or the Sites shall be governed by U.K. law. In the event of any legal action arising hereunder, you also agree to submit the jurisdiction and venue of any legal courts in the London area.

Privacy policy

This web page describes PensionsBIB's (we) privacy policy guidelines regarding the collection and use of personal or corporate information that you provide to us.

This privacy policy was last updated on November 25th, 2014. PensionsBIB may modify the provisions of this privacy policy from time to time. The new provisions will be effective as soon as they are posted. Please check this page periodically to ensure that you are aware of any change.

Types of Information We Gather and How We Use It

PensionsBIB collects information from users of its Web site, potential clients, prospective employees, and alliance relationships to name a few, including the information you provide to us by submitting information to us through use of the site. PensionsBIB may keep track of this information and the information that you provide to us when you visit the site for our internal review, business development, research, marketing, and we store this information for the minimal amount of time necessary. We may also use this information to solicit e-mail for business development, research, marketing or promotional purposes or press inquiries. It is our practice to provide you with an opportunity to opt in for e-mail communications and remove yourself from this distribution list by sending us an e-mail to remove. We store this information in our database and do not plan to share it with third parties, except as described in this policy. If we ever need to share this information with other third parties, we will notify you. At any time you can remove your name and related information from our database, and we will provide you a choice to opt-out if you don’t want your information used for any purpose or a particular purpose. You can review and update your information by contacting us using the details provided on the "contact" webpages on this site.

Cookies and IP addresses

We do use “Cookies” in order to personalize your visit to our web site and enhance the experience by gaining a better understanding of your particular interests and customizing our pages for you.

A cookie is a message given to a web browser by a web server and which is then stored by the browser in a text file. Each time the browser requests a page from the server this message is sent back which enables the user to be identified. We also collect your IP address when you visit the site to better understand how to serve our clients.

We may use the information provided by cookies and IP addresses to analyze trends, administer the site, or for research and marketing purposes to help us better serve our clients. No information which personally identifies you will be collected through the cookies. You can set your browser to notify you before you receive a cookie so you have the chance to accept it and can set your browser to turn off cookies. No personally identifying information from you will be collected as part of these cookies.

For more detailed information regarding what cookies we use and what we record please see our Cookie Policy

Links

This site contains links to other websites belonging to alliances, clients, and other sites of interest to our users. PensionsBIB does not control the privacy practices of these other sites. You should make sure that you know when you have left our Web site and, if the Web site you visit collects personal information, that you have read that site’s privacy policy.

Security

PensionsBIB protects your personal information with several security measures. In addition to normal precautions such as physical security and firewalls, we have strict internal security policies.

Information sharing and disclosure

PensionsBIB does not provide information about you, except as set forth herein:

We will provide the information collected in the event we are required to provide such information by a court, administrative or governmental order or subpoena or other legal process.

If we believe it is necessary to share your information in order to investigate, prevent or take action regarding illegal activities, suspected fraud, violations of PensionsBIB's terms of use or as otherwise required by law we will provide the information collected.

Privacy Complaints

If you have any questions regarding this policy, believe that PensionsBIB has not complied with the provisions of this privacy policy or you wish to remove your personal data from our records, please contact us using the contact details detailed on the "contact" webpages on this site.

General

These are our current privacy policy guidelines that can be modified at any time by PensionsBIB. This is not a contract.

Cookie Policy

1. Policy

In addition to any information that you choose to submit to us, we or selected third parties may use a variety of technologies that store or access information already stored on your personal computer, laptop, tablet or mobile phone (each a ‘device’) whenever you visit or interact with our website.

2. The information collection technologies

A few of the methods that may be used to store or access information already stored on your device include the following (and in future other technology and methods will be developed):

2.1. Cookies- a cookie is a text file placed on a device when a user visits a website. Cookies can be

2.2. Flash cookies - a Flash cookie (or locally shared object) is a data file placed on your device via the temporary (eg session) or permanent (eg persistent). They can also be first party (eg placed by us) or third party (eg placed by a third party advertiser or advertisements server).

Generally, we use cookies to remind us who the user is and to access user information stored on our computers in order to deliver a better and more personalised site.

This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses "cookies", to help the website analysze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the USA. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google.

Adobe Flash plug-in that may be built-in to or downloaded by you to your device. This can operate across all your browsers. We do not use Flash cookies.

2.3. HTML5 - HTML5 cookies can be programmed through HTML5 local storage and do not require a plug- in. We do not use HTML5 cookies.

2.4. ETag or entity tag - an opaque identifier assigned by a web server to a specific version of a resource found at a URL that acts as a form of device identifier. We do not use ETags

3. Third party collection of information

We have provided you with information above about the types of third party information storage or gathering techniques on our website. This Cookie policy does not apply to applications (apps), technologies or sites that are owned by and/or operated by other parties (such as app developers, third party advertisers or third party ad servers), even if they use our technology to store or collect data. This includes third parties that embed our technology in their apps or advertisements to facilitate download tracking or advertisement serving. We do, however, work with third parties to ensure that you are provided with the necessary information and are provided with the opportunity to make your choice. The relevant third party's terms of use, privacy policy, permissions, notices and choices should be reviewed regarding their collection, storage and sharing practices.

4. Your consent and your right to refuse the use of information collection technologies

We obtain your consent to our information collection technologies by providing you with transparent information in our privacy policy and providing you with the opportunity to make your choice. You have the right to object to the use of information collection technologies. Regular cookies may generally be disabled or removed by tools that are available as part of most commercial browsers, and in some but not all instances can be blocked in the future by selecting certain settings. Each browser you use will need to be set separately and different browsers offer different functionality and options in this regard. Also, these tools may not be effective with regard to Flash cookies or HTML5 cookies. For information on disabling Flash cookies go to Adobe's website (www.adobe.com). Please be aware that if you disable or remove these technologies some parts of our website will not work and that when you revisit our website your ability to limit cookies is subject to your browser settings and limitations.