Terms and conditions

1. This site is operated by The European Bank for Reconstruction and Development (the "EBRD") having its Headquarters at Five Bank Street, London E14 4BG, United Kingdom, www.ebrd.com.

2. Please read these terms and conditions ("Terms and Conditions"), as they apply to your use of the https://www.ebrdknowhowacademy.com/ website, microsites and mobile websites (hereinafter the "Sites", or a "Site"). If you do not agree to these Terms and Conditions, you must leave the Sites.

3. By using either Site, you ("You") agree to be bound by these Terms and Conditions. The EBRD may change these Terms and Conditions from time to time. By continuing to access the Sites following any such change, You accept and agree to be bound by all changes.

4. Content

4.1. The EBRD maintains these Sites as a service to users. The information contained on these Sites is for informative purposes only. Subject always to paragraph 7.1 below, you may visit the Sites and download and copy information, documents and materials provided by the EBRD or various information or content providers (collectively, the "Materials") from the Sites for your personal, non-commercial use, without any right to resell, redistribute or create derivative works therefrom, subject to these Terms and Conditions.

4.2. Unless expressly stated otherwise, the findings, interpretations and conclusions expressed in the Materials in these Sites are those of the various authors of the work and are not necessarily those of the EBRD.

4.3. The content as presented in these Sites may vary depending upon your browser functionality and limitations. The EBRD accepts no liability if you cannot view any part or component of the Sites.

4.4. The EBRD reserves the right to change or remove any material on the Sites including but not limited to revising and/or deleting features or other information without prior notice.

4.5. The Sites may contain hyperlinks or references to external third party websites. Any such hyperlink or reference is provided for your convenience only. The EBRD has no control over such third party websites and accepts no responsibility in relation to any content, material or information contained in these websites.

4.6. You may link to the Sites without seeking the permission of the EBRD. However, such links must clearly identify the EBRD as the source of information displayed on the Sites and preserve the integrity of the Sites without alteration. The EBRD reserves the right to refuse permission to link to the Sites and may demand, at any time, that You cease to link to the Sites.

4.7. These Sites may contain advice, opinions and statements of various information or content providers. The EBRD does not warrant or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information or content provider, or any user of these Sites or other person or entity. Reliance upon any such opinion, advice, statement or other information shall also be at your own risk.

4.8. Nothing in these Sites or any Materials shall be construed, implicitly or explicitly, as containing any investment recommendation or advice, or constituting an offer of, or an invitation by or on behalf of, the EBRD to purchase or sell any securities.

4.9. The EBRD reserves the right, in its sole discretion and for any reason and without notice, to alter, amend, limit, suspend or discontinue the Sites or any Materials in any respect; and deny any user's access to the Sites or any portion thereof. The EBRD shall have no obligation to take the needs of any user into consideration in connection therewith.

5. Our liability

5.1. The Sites are provided on a "as is" and "as available" basis without warranty, condition or commitment of any kind, whether express or implied. The EBRD makes no representation, warranty, commitment in relation to the provision of the Sites including those as to the availability, completeness, accuracy and up-to-datedness of any Material provided through the Sites.

5.2. To the maximum extent permitted by applicable law, the EBRD disclaims and excludes all liability (whether arising in contract, tort (including negligence), breach of statutory duty or otherwise) arising from any inaccuracy, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of any of the Materials on the Sites. Under no circumstances shall EBRD be liable to You for any loss or damage suffered (both direct and indirect losses) arising from your use of the Sites.

6. Restrictions and terminations

6.1. Where a login and password is required, You acknowledge and agree that the EBRD may, in its sole discretion, deactivate your login name and password and in doing so, prevent your access to the Sites if You breach these Terms and Conditions.

7. Your obligations

7.1. While using the Sites, You may not:

a. post or transmit any unlawful, fraudulent, libellous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, derogatory or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, violate any applicable law or regulation, or damage the goodwill and reputation of the EBRD;

b. post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or commercial schemes of any kind or other unsolicited commercial communication;

c. post or transmit any software or material which contains any "virus", "trojan horse", "worm", "data bomb", "logic bomb" or any other similar component;

7.2. Where required, You agree to keep your login name and password of your registered account confidential and will not allow other third parties to access the Sites using your account details.

7.3. You agree not to affect, restrict, limit or inhibit any other person from using the Sites.

7.4. You agree to defend, indemnify and hold the EBRD harmless from any and all claims, actions, proceedings, losses, damages, liabilities, costs and expenses, including reasonable legal fees, arising in any way from your use of the Sites or any violation of these Terms and Conditions by You or, where applicable, by any users of your registered account.

8. Forums

8.1. If the Sites contain bulletin boards, chat rooms, or other message or communication facilities (collectively, the "Forums"), You agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, You agree that when using a Forum, You shall not do any of the following:

a. defame, abuse, harass, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;

b. publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information;

c. upload or attach files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents;

d. upload or attach files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer;

e. delete any author attributions, legal notices or proprietary designations or labels in any Materials that are uploaded;

f. falsify the origin or source of software or of the Materials contained in a file that is uploaded;

g. advertise or offer to sell any goods or services, or conduct or forward surveys, contests, or chain letters;

h. download any file posted by another user of the Forum that You know, or reasonably should know, cannot be legally distributed in such manner.

8.2. You acknowledge that all Forums are public and not private communications. Further, You acknowledge that chats, postings, conferences, e-mails and other communications by other users are not endorsed by the EBRD, and that such communications are not subject to review, screening, or approval by the EBRD.

8.3. You accept that the EBRD is under no obligation to monitor the use of bulletin boards, chat rooms or other like facilities and that the use of such facilities by users is subject to such directions or instructions as may be issued by the EBRD at any given time and at the EBRD's sole discretion.

8.4. The EBRD reserves the right for any reason and at its sole discretion to edit or remove without notice any contents of the Forums received from users, including without limitation e-mail and bulletin board postings.

9. Intellectual property rights

9.1. All copyright and other intellectual property rights of Materials on the Sites apart belong to or are licensed to the EBRD.

9.2. You may not resell or sublicense access to the Site(s) to any third-party. You may not modify or create any derivative product based on the Materials. Nothing in these Terms should be interpreted as granting you any right to obtain or use source code.

9.3. You may not copy, modify, licence, create derivative works from, transfer, post, publish, republish, transmit, retransmit, reproduce, distribute or in any way exploit or use:

(i) Materials obtained through the Sites for commercial purposes; or

(ii) Materials, or any derivative work of such Materials, obtained through the Sites which are subject to the copyright or any other intellectual property rights of a third party. If you wish to copy, modify, licence, transfer, post, publish, republish, transmit, retransmit, reproduce, distribute or in any way exploit or use such Materials, or any derivative work of such Materials, you must first obtain the necessary permission of the owner.

10. General

10.1. Nothing in these Terms and Conditions shall be construed as a waiver, renunciation or modification by the EBRD of any immunities, privileges and exemptions of the EBRD accorded under the Agreement Establishing the European Bank for Reconstruction and Development, international convention or any applicable law.

10.2. The failure of the EBRD to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of the Terms and Conditions is found by a court of competent jurisdiction to be invalid or unenforceable, the other provisions of these Terms and Conditions shall be unaffected and remain in full force and effect.

10.3. Unless you have an express contractual relationship with the EBRD, these Terms and Conditions constitute the entire agreement between the EBRD and You in respect of the Sites.

Privacy Notice

Please note that the EBRD as an international organisation is committed to protect the processing and confidentiality of personal information. Any personal data you share with EBRD will be processed in line with the EBRD Personal Data Protection Rules. The EBRD Privacy Notice is available here: EBRD Privacy Notice.

If you have any questions related to the processing of your personal data, you can contact the EBRD Personal Data Management Officer (DPOffice@ebrd.com).

This privacy notice has been prepared based on provisions of multiple legislations, including Art. 13/14 of Regulation (EU) 2016/679 (General Data Protection Regulation).

1. Introduction

European Bank For Reconstruction And Development, an international financial institution established pursuant to the Agreement Establishing the European Bank for Reconstruction and Development, a multilateral treaty signed in Paris on 29th May 1990, having its headquarters at Five Bank Street, London E14 4BG, United Kingdom, www.ebrd.com ("EBRD", "us", "we", or "our") operates https://www.ebrdknowhowacademy.com/ (hereinafter referred to as "Service").

Our Privacy Notice governs your visit to https://www.ebrdknowhowacademy.com/ and explains how we collect, safeguard and disclose information that results from your use of our Service.

We use your data to provide and improve Service. By using the Service, you agree to the collection and use of information in accordance with this notice.

2. Definitions

SERVICE means the https://www.ebrdknowhowacademy.com/ website operated by EBRD.

PERSONAL DATA means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

USAGE DATA is data collected automatically either generated by the use of Service or from Service infrastructure itself (for example, the duration of a page visit).

COOKIES are small files stored on your device (computer or mobile device).

DATA CONTROLLER means a natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal data are, or are to be, processed. For the purpose of this Privacy Notice, we are a Data Controller of your data.

DATA PROCESSORS (OR SERVICE PROVIDERS) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.

DATA SUBJECT is any living individual who is the subject of Personal Data.

THE USER is the individual using our Service. The User corresponds to the Data Subject, who is the subject of Personal Data.

3. Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

4. Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

1. Email address
2. First name and Last name
3. Phone number
4. Address, State, Province, City, ZIP/Postal Code
5. Cookies and Usage Data
6. Information required to complete our site forms
7. Other information that you choose to send to us

We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or by contacting us.

Usage Data

We may also collect information that your browser sends whenever you visit our Service or when you access Service by or through a mobile device ("Usage Data").

This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

Location Data

We may use and store information about your location if you give us permission to do so ("Location Data"). We use this data to provide features of our Service, to improve and customize our Service.

You can enable or disable location services when you use our Service at any time by way of your device settings.

Tracking Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.

Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

1. Session Cookies: We use Session Cookies to operate our Service.
2. Preference Cookies: We use Preference Cookies to remember your preferences and various settings.
3. Security Cookies: We use Security Cookies for security purposes.

5. Use of Data

EBRD uses the collected data for various purposes:

1. to provide and maintain our Service;
2. to notify you about changes to our Service;
3. to allow you to participate in interactive features of our Service when you choose to do so;
4. to provide customer support;
5. to gather analysis or valuable information so that we can improve our Service;
6. to monitor the usage of our Service;
7. to detect, prevent and address technical issues;
8. to fulfill any other purpose for which you provide it;
9. to carry out our obligations and enforce our rights arising from any contracts entered into between you and us;
10. to provide you with notices about your account and/or subscription, including expiration and renewal notices, email-instructions, etc.;
11. to provide you with news, offers and general information about other goods, services and events;
12. in any other way we may describe when you provide the information;
13. for any other purpose with your consent.

6. Retention of Data

We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Notice. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

7. Transfer of Data

Your information, including Personal Data, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

Your consent to this Privacy Notice followed by your submission of such information represents your agreement to that transfer.

EBRD will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Notice and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

8. Disclosure of Data

We may disclose personal information that we collect, or you provide:

Disclosure for Law Enforcement.

Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities.

Other cases. We may disclose your information also:

1. to our subsidiaries and affiliates;
2. to contractors, service providers, and other third parties we use to support our business;
3. with your consent in any other cases;
4. if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others;
5. for any other purpose disclosed by us when you provide the information.

9. Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

10. Your Data Protection Rights Under General Data Protection Regulation (GDPR)

If you are a resident of the European Union (EU) and European Economic Area (EEA), you have certain data protection rights, covered by GDPR. – See more at https://eur-lex.europa.eu/eli/reg/2016/679/oj

We aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.

If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.

In certain circumstances, you have the following data protection rights:

the right to access, update or to delete the information we have on you;

the right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete;

the right to object. You have the right to object to our processing of your Personal Data;

the right of restriction. You have the right to request that we restrict the processing of your personal information;

the right to data portability. You have the right to be provided with a copy of your Personal Data in a structured, machine-readable and commonly used format;

the right to withdraw consent. You also have the right to withdraw your consent at any time where we rely on your consent to process your personal information;

Please note that we may ask you to verify your identity before responding to such requests. Please note, we may not be able to provide Service without some necessary data.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

11. Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

We also encourage you to review Google's policy for safeguarding your data: https://support.google.com/analytics/answer/6004245.

12. Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Notice of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

13. Children's Privacy

Our Services are not intended for use by children under the age of 16 ("Child" or "Children").

We do not knowingly collect personally identifiable information from Children under 16. If you become aware that a Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we take steps to remove that information from our servers.

14. Changes to This Privacy Notice

We may update our Privacy Notice from time to time. We will notify you of any changes by posting the new Privacy Notice on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update "effective date" at the top of this Privacy Notice.

You are advised to review this Privacy Notice periodically for any changes. Changes to this Privacy Notice are effective when they are posted on this page.

15. Contact Us

If you have any questions about this Privacy Notice, please contact us.