Lombard Risk Legal Disclaimer

This is the web site of Lombard Risk. Our postal address is 7th Floor, Ludgate House, 245 Blackfriars Road, London, SE1 9UF United Kingdom We can be reached via e-mail at info@lombardrisk.com or you can reach us by telephone at +44 (0) 20 7593 6700

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) 2010 Lombard Risk Management plc – All rights reserved.

7th Floor
Ludgate House
245 Blackfriars Road
London SE1 9UF
UK
tel : +44 (0) 20 7593 6700
fax : +44 (0)20 7593 6780

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
7th Floor
Ludgate House
245 Blackfriars Road
London SE1 9UF
Tel (switchboard): +44 (0) 20 7593 6700
Fax: +44 (0) 20 77593 6780
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 )
7th Floor
Ludgate House
245 Blackfriars Road
London SE1 9UF
Tel (switchboard): +44 (0) 20 7593 6700
Fax: +44 (0) 20 7593 6780
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.