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Lombard Risk Legal Disclaimer Access to and use of this site are 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. 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. 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 We will not collect any information about individuals or organisations except where it is specifically and knowingly provided by them. Examples of such information are:
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. 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 what information we collect when you visit www.lombardrisk.com Lombard Risk utilises the services of third party companies, Site Stats (www.sitestats.com) and Net Filter (www.net-filter.com) to monitor web site traffic and visitors to key pages at www.lombardrisk.com. Site Stats (www.sitestats.com) and Net Filter (www.net-filter.com) have registered with PrivacyBot.com, an independent privacy seal program. They display the PrivacyBot Trustmark to show their commitment to good privacy practices. What information do we collect from you? Why? We May Profile Users Pseudononymously We may build a pseudononymous profile of your online habits, interests and activities when you use our Site. This profile will not reveal or be linked to your personal identity. 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 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. This information will not reveal your identity or be linked to you personally. 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 in a manner that does not reveal your personal identity 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. This information will not reveal your identity or be linked to you personally. 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 in a manner that does not reveal your personal identity 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. This information will not reveal your identity or be linked to you personally. 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 in a manner that does not reveal your personal identity 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. 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. How do we protect information we collect? www.sitestats.com and www.net-filter.com offer secure web pages to collect certain kinds of user information and store certain kinds of data in encrypted form. They follow reasonable technical and management practices to help protect the confidentiality, security and integrity of data stored on their system. 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. 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 by www.sitestats.com or www.net-filter.com, please email: Kevin Hutchinson at info@sitestats.com. Or write: Legendum LLC, Attn: Kevin Hutchinson, 83 Speen Street, 2nd Floor, Natick, MA 01760, USA. Protect your privacy You can protect your online privacy by changing your web browser security settings. Please remember that web tracking services like Site Stats deliver aggregate statistics about web traffic, so they do not compromise your privacy. 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 Any changes to this policy will be posted here from time to time. (c) 2008 Lombard Risk Management plc — All rights reserved.
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