This is the web site of Lombard Risk. Our postal address
is India House, 45 Curlew Street London, SE1 2ND United
Kingdom We can be reached via e-mail at info@lombardrisk.com
or you can reach us by telephone at +44 (0) 207 089 3700
Access to and use of this site is subject to the following
terms and conditions and all applicable laws.
The information contained in this site is for general information
and guidance only. The technical implications of any information
or guidance can vary widely based on the specific facts
involved.
This Web site is a general audience site and does not
knowingly collect personally identifiable information
from children under 18 years of age.
Given the inherent hazards of electronic communication there may be delays, omissions or inaccuracies in the information contained on this site. Accordingly, the information on this site is provided with the understanding that the authors and publishers are not herein engaged in rendering technical or professional advice and services. As such, it should not be used as a substitute for consultation with professional and competent advisors. Before making any decision or taking any action, you should consult with a relevant expert.
You may download and print a copy of the material displayed on this site for non-commercial purposes only, however, you may not modify, distribute, transmit or sell the contents of this site without the written permission of Lombard Risk.
Lombard Risk makes no warranties or representations, express or implied, about accuracy, timeliness or completeness of this site or any site(s) linked to this site, including without limitation the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Whilst every effort is made to ensure accuracy, this site may contain technical inaccuracies or typographical errors.
Neither Lombard Risk nor any of its affiliates shall be liable for any direct, incidental, consequential, indirect or punitive damages arising out of access to, inability to access, or any use of the content of this site or the content of any site(s) linked to this site, including without limitation any damages to, or viruses that may infect, your computer equipment or other property, even if Lombard Risk is expressly advised of the possibility of such damages.
Any communications you send to this site or otherwise to
Lombard Risk by electronic or other means are non-confidential
and non-proprietary. By transmitting or posting any communication
or material to this site, you agree that Lombard Risk
or any of its affiliates may use your communication in
any way for any purpose, including without limitation
reproduction, transmission, publication and posting. Lombard
Risk shall be free to use the content of any such communications,
including any ideas, inventions, concepts, techniques
or know-how disclosed therein, for any purpose, including
developing, manufacturing and/or marketing goods or service.
This web site may contain links to other web sites outside
the Lombard Risk group of web sites. Lombard Risk is not
responsible for the privacy practices of other non-affiliated
web sites. You should read the privacy statements of each
and every web site that collects personally identifiable
information
Use of this site for the posting or transmission (including communication outside this site) of any unlawful, threatening, libelous, defamatory, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence or violate any law is strictly prohibited.
Lombard Risk reserves the right to delete, modify or supplement the content of this site, including the content of this legal notice, at any time.
These conditions of use are governed by the laws of England and Wales and you agree that the English courts shall have exclusive jurisdiction in any dispute. To the extent that any part of these conditions of use is found to be invalid, unlawful or unenforceable by any court of competence, such part shall to that extent be severed from the remaining terms all of which shall remain in full force and effect as permitted by law.
Privacy Statement
Use of Information
For each visitor to our web site, our web server automatically
recognizes the visitor's domain name and e-mail address
(where possible).
We collect the domain name and e-mail address (where
possible) of visitors to our web page, the e-mail addresses
of those who communicate with us via e-mail, aggregate
information on what pages visitors access or visit, along
with user-specific information on what pages are accessed
or visited, information volunteered by the visitor, such
as survey information and/or site registrations, name
and address, telephone number, fax number and such other
details.
The information collected will be used to send you the
information you have requested and to provide any further
information that we believe may be useful to you.
The information we collect is also used to improve the
content of our web site, used to customize the content
and/or layout of our page for each individual visitor,
shared with agents or contractors who assist in providing
support for our internal operations, used by us to contact
consumers for marketing purposes, disclosed when legally
required to do so, at the request of governmental authorities
conducting an investigation, to verify or enforce compliance
with the policies governing our website and applicable
laws or to protect against misuse or unauthorized use
of our website, to a successor entity in connection with
a corporate merger, consolidation, sale of assets or other
corporate change respecting the website.
We may share non-personal aggregate statistics (group)
data about our site visitors’ traffic patterns with partners
or other parties. However, we do not sell or share information
about individual users.
Your privacy is important, so we'd like to explain more
about what information we do collect when you visit www.lombardrisk.com
We May Profile Users Pseudononymously
We may build a pseudononymous profile of your online habits,
interests and activities when you use our Site. We compile
these profiles from information about user PCs (e.g.,
IP address or browser type), user navigation and browsing
patterns, data showing usage of interactive features (e.g.,
search engine queries), and we use these profiles for
the purposes described below (please scroll down to each
topic for details).
When you use our Site, we may also collect personal information
about you described below. You may not later be able to
access, modify or remove the information.
We May Collect Information About Your Computer
When you visit our Site, we may automatically collect
information about your computer configuration, such as
your browser type, operating system, IP address or ISP
domain name. We use this information to build individual
profiles for ongoing research, analysis and reporting,
and to comply with any requirements of law. This information
may be aggregated with similar data and may be disclosed
to our staff and agents, and to outside organizations
with the same or different privacy practices.
We May Collect Navigation and Clickstream Data.
As you browse our Site, we may gather navigational and
clickstream data that shows what pages are visited and
how long various features are used. We use this information
to build individual profiles for ongoing research, analysis
and reporting, and to comply with any requirements of
law. This information may be aggregated with similar data
and may be disclosed to our staff and agents, and to outside
organizations with the same or different privacy practices.
We May Collect Interactive Data.
You may decide to input data while using certain interactive
features at our Site, such as queries submitted to a search
engine. We use this information to build individual profiles
for ongoing research, analysis and reporting, and to comply
with any requirements of law. This information may be
aggregated with similar data and may be disclosed to our
staff and agents, and to outside organizations with the
same or different privacy practices.
Certain exceptional disclosures
We may disclose your information if necessary to protect
our legal rights or if the information relates to actual
or threatened harmful conduct. Disclosure may be required
by law or if we receive legal process. In certain circumstances,
we may share your information with service providers that
need access to your information to provide operational
or other support services. To ensure the confidentiality
and security of your information, service providers must
agree to safeguard your information in strict compliance
with this policy. We also may provide information to regulatory
authorities and law enforcement officials in accordance
with applicable law or when we otherwise believe in good
faith that the law requires it. There may be instances
when we may access or disclose your information in order
to protect or defend the legal rights or property of Lombard
Risk and its affiliated companies or their employees and
agents, to protect the safety and security of users and
members, and to protect against fraud. Lombard Risk may
sell, transfer or otherwise share some or all of its assets
in connection with a merger, reorganization or sale of
assets, or in the event of bankruptcy. In such an event,
personal information may be one of the assets transferred.
What are cookies?
Why do we use them?
Cookies are small files stored by your browser in your
computer when you visit our Site. We use cookies to improve
our Site and make it easier to use. Cookies permit us
to recognize users and avoid repetitive requests for the
same information. We also use cookies to help build a
pseudonymous profile of your online habits, interests
and activities as you navigate our site, which we use
for general research, analysis and reporting. We mostly
use "session cookies" that are automatically deleted after
each visit. Cookies from our Site can't be read by other
sites. Most browsers will accept cookies until you change
browser settings to refuse them.
With respect to cookies: We use cookies to store visitors
preferences, record session information, such as record
user-specific information on what pages users access or
visit, alert visitors to new areas that we think might
be of interest to them when they return to our site, record
past activity at a site in order to provide better service
when visitors return to our site, customize web page content
based on visitors' browser type or other information that
the visitor sends.
If you supply us with your postal address, telephone number
or email address on-line you may receive periodic mailings
from us with information on new products and services
or upcoming events. If you do not wish to receive such
mailings, please let us know by calling us at the number
provided above, e-mailing us at the above address or writing
to us at the above address.
Please provide us with your exact contact information.
With respect to Ad Servers: We do not partner with or
have special relationships with any ad server companies.
From time to time, we may use customer information for
new, unanticipated uses not previously disclosed in our
privacy notice, legal disclaimer or site policy text.
If our information practices change at some time in the
future we will post the policy changes to our web site
to notify you of these changes. If you are concerned about
how your information is used, you should check back at
our web site periodically.
Upon request we offer visitors the ability to have inaccuracies
corrected in contact information or communications that
the visitor has directed to the site.
Lombard Risk utilises the services of third party companies,
StatCounter (www.statcounter.com) and Google Analytics
(www.google.com) to monitor web site traffic and visitors
to key pages at www.lombardrisk.com. From time to time
we may utilize the services of other similar companies/organizations
not listed here to provide information on user experience
as described in this document.
How do we protect information we collect?
We follow reasonable technical and management practices
to help protect the confidentiality, security and integrity
of data stored on our systems. While no computer system
is completely secure, we believe the measures implemented
reduce the likelihood of security problems to a level
appropriate to the type of data involved. While we do
work very hard to protect your privacy, no method of security
is 100% effective and we cannot be responsible for the
actions of those who may gain unauthorized access to your
personal information. Lombard Risk makes no warranties,
express, implied or otherwise as to the ultimate effectiveness
of these reasonable and appropriate safeguards.
How long do we keep user information?
We generally keep user data in our archives for as long
as we reasonably need it. We may alter this practice according
to changing requirements. For example, we may delete some
data if needed to free up storage space. We may keep other
data for longer periods if the law requires it.
Your consent to this policy
By using our Site, you agree to this Policy. This is our
entire and exclusive Privacy Policy and it supersedes
any earlier version. Our Terms of Service take precedence
over any conflicting Policy provision. We may change our
Policy by posting a new version on our Site.
If you have a privacy question
If you have a privacy question about the information
collected for www.lombardrisk.com please write, email
or call.
Protect your privacy
You can help protect your online privacy by changing your
web browser security settings. Please remember that web
tracking services like StatCounter deliver aggregate statistics
about web traffic.
If you are still concerned about your privacy, follow
the security advice below:
Microsoft™ Internet Explorer™
To configure your web browser security settings:
Click "Tools" on the menu bar
Click "Internet Options..." on the Tools menu
Click the "Security" tab at the top of the dialog box
Click "Custom Level" on the Security page
Choose your preferred level of security from the drop-down
list (e.g. "High")
Click "Reset" to reset your security settings, then "OK"
to confirm this change
Click "OK" to close the dialog box
Netscape™ Navigator™
To configure your web browser security settings:
Click "Edit" on the menu bar
Click "Preferences..." on the Edit menu
Click "Advanced" in the category list on the left of the
dialog box
Choose your preferred Java, JavaScript and cookie settings
Click "OK" to close the dialog box
Your Rights
In addition to the company’s safeguards, your personal
data is protected in the UK by the Data Protection Act.
This provides, amongst other things, that the data we
hold about you should be processed lawfully and fairly.
It should be accurate, relevant and not excessive. The
information should be kept up to date, where necessary,
and not retained for longer than is necessary. It should
be kept securely to prevent unauthorised access by other
people. You have the right to see what is held about you
and to correct any inaccuracies. Please contact the company
should you wish to do this.
Policy Changes
We may modify this Privacy Policy to reflect industry
initiatives or changes in the law, changes in our collection
or use practices, or changes in our web site’s features
or technology, and such modifications shall be effective
upon posting on this web site. Your continued use of this
web site after we post a revised Privacy Policy signifies
your acceptance of the revised Privacy Policy. It is therefore
important that you review this Privacy Policy regularly
to ensure you are updated as to any changes.
(c) 2009 Lombard Risk Management plc - All rights reserved.
Lombard Risk Management plc
India House, 45 Curlew Street
London, SE1 2ND
UK
tel : +44 (0)20 7089 3700
fax : +44 (0)20 7089 3780
General information: http://www.lombardrisk.com
Lombard Risk Management plc is registered in England and
Wales (at the above address) with registered number 3224870
and its main country of operation is England.
Lombard Risk Systems Ltd
India House, 45 Curlew Street
London, SE1 2ND
Tel (switchboard): +44 20 7089 3700
Fax: +44 20 7089 3780
General information: http://www.lombardrisk.com
Lombard Risk Systems Ltd is a member of the Lombard Risk
Management plc group and is registered in England at the
above address, registered number 2322432. Its main country
of operation is England.
Lombard Risk Compliance Limited (formerly STB Systems
Ltd )
India House, 45 Curlew Street
London, SE1 2ND
Tel (switchboard): +44 20 7089 3700
Fax: +44 20 7089 3780
General information: http://www.lombardrisk.com Lombard
Risk Compliance Ltd is a member of the Lombard Risk Management
plc group and is registered in England at the above address,
registered number 2342639. Its main country of operation
is England.
