Processing of personal data What do we mean by personal data? Personal data is any kind of information that can be linked directly or indirectly to a natural person, for example names, personal identity numbers, postal addresses and email addresses. The EU’s General Data Protection Regulation (GDPR), which replaced the rules of the Personal Data Act on how personal data may be handled, has gone into effect on 25 May 2018.

Personal data handled by the Institute of Finance and Financial Regulation (IFFR) When you sign up for one or more of the IFFR’s activities, your email address and name are saved in a register. We do this so we can inform you about the current and future events you are interested in.  The data is saved as long as you remain a subscriber. The data is used solely for this purpose, and we do not pass on this information to third parties. Personal data can be turned over to a government authority, but only when specified by law or in an authority decision.  You may cancel your subscription at any time by clicking on the link in one of the emails you received. This applies to all subscriptions. Your subscription details are then removed from the register in question.

No Warranty The information in this Website, as well as any expressions of opinion or forecasts contained herein, have been compiled or arrived at in good faith and on the basis of publicly available information, internally developed data and/or sources believed to be reliable as at the date of publication. However, no representation is made, nor any warranty, either express or implied, is given, nor any responsibility of any kind is accepted by IFFR, its associated organizations, or its members and employees, as to the reliability, accuracy, completeness or timeliness thereof. Information is provided “as is”, without obligation on the part of IFFR, and on the understanding that Website users should not and may not rely on anything herein in connection with any investment decision. Any person who acts upon any information contained herein, or changes any investment position in reliance on it, does so entirely at his/her own risk. Information herein is current only as at the date it is first posted, and may no longer be true or complete if and when viewed later. All information in this Website may be changed or amended at any time and without prior notice, although IFFR does not undertake to update the Website regularly, and reserves the right to deny access to it to anyone at anytime.

No Liability Neither IFFR nor any of its principals, executives, directors, members or employees, nor any third party vendor or provider, will be liable or have any responsibility of any kind for any loss or damage incurred in the event of any failure of or interruption to this Website, or which results from the act or omission of any other party involved in making or maintaining this Website or the data contained herein, or from any other cause relating to access to, inability to access, or use of this Website or any materials included therein, whether or not the circumstances giving rise to such cause may have been within the control of B IFFR or any vendor providing software or services support. Moreover, IFFR and its principals, executives, directors, members, officers, employees and third party vendors or providers have no liability or responsibility of any kind for any direct, indirect, special, consequential, incidental or other loss or damage, including without limitation any loss of profit, business interruption, loss of programs or data on equipment or otherwise, arising out of any use of this Website, or as a result of any information or opinions contained herein or in any websites maintained by any third party that is accessed through a link of this Website.

Linked Websites This Website may be linked to third-party websites or contain information provided by third parties. IFFR makes no representation as to the accuracy, completeness and/or legality of any such websites or any information contained therein, and has not and will not review or update such websites or information. Use of such websites or information is at the user’s own risk and IFFR accepts no liability whatsoever for any loss, damage or injury arising from access to and use of any information found in any linked website, or any information provided herein by a third party. Other websites may also contain links to this Website which are completely beyond the control of IFFR and IFFR accepts no responsibility whatsoever and howsoever for the contents of such websites.

Investment Performance Past performance is not a reliable indicator of future performance. The value of investments and the income therefrom may fall as well as rise and investors may not recoup all or any amount(s) originally invested. Because of this, investors are not certain to make any profit on investments and may lose some or all of the amount(s) invested. Returns may increase or decrease as a result of currency fluctuations. Moreover, the tax treatment of investments depends on investor circumstances and may change in the future. Investors should consult their own tax advisers as to any applicable tax consequences. Copyright Notice Copyright, trademarks, database rights, patents and all similar rights in this Website and the information contained herein are the property of IFFR, its associated companies, their licensors or other third-party content providers. Users may use the information herein for personal reference only. Such information may not otherwise be reproduced, sold, displayed, distributed, published, broadcast, circulated, modified, disseminated, commercially exploited or stored in a data retrieval system or transmitted, in any form or by any means – electronic, mechanical, photocopying, recording or otherwise – without the prior written permission of IFFR. Nothing herein should be construed as granting any licence or right under any trademark. Users downloading any information agree not to remove or obscure any copyright or other notice or legend attached thereto.

Law & Jurisdiction Use of this Website and any action or dispute arising out of this agreement or in relation to it is subject to Greek law and the exclusive jurisdiction of the Greek courts. If any part of these Terms is held to be invalid or unenforceable, that part shall be deemed modified as necessary to make it effective and the remaining provisions of these Terms shall remain in effect.

Website Modification IFFR reserves the right, at its sole and absolute discretion, to change these Terms and the contents of the Website at any time and without prior notice. Use of the Website following any changes to these Terms shall imply acceptance of the changed terms.  IFFR may offer other services from time to time that are governed by different terms and conditions.

Website Monitoring IFFR expressly reserves the right to monitor any and all use of this Website, but is under no obligation to do so and assumes no responsibility or liability arising from use of this Website.