Updated March 1, 2023
PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT CONSTITUTES A LEGALLY BINDING AGREEMENT BETWEEN YOU AND FINTECH ISLANDS AND CONTAINS IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS, AND INCLUDES VARIOUS LIMITATIONS AND EXCLUSIONS.
Nothing contained on our Sites constitute investment, legal or tax advice. The information and any opinions contained on this website are not and should not be construed as solicitations or offers by Fintech Islands LLC (“Fintech Islands”), or any of its affiliates to buy or sell any securities or other financial instruments.
We reserve the right to modify or discontinue all or any portion of our Sites with or without notice to you. We will not be liable if we choose to exercise this right. You acknowledge and accept that we do not guarantee continuous, uninterrupted or secure access to our Sites, or that operation of our Sites will be uninterrupted or error free. You understand that usage of our Sites may be interfered with or adversely affected by numerous factors or circumstances outside of our control.
As a condition of your right to use this Site, you represent that you are of legal age to enter into a binding contract, and that you are not a person barred from visiting the Site and accessing the Service under the laws of the United States or another country.
All data, features, information, text, graphics images, music, sounds, photographs, illustrations, logos, messages, audio, information, video and other information or content that is available on the Site, including without limitation Site design, text, graphics, interfaces, and the selection and arrangements thereof, are owned by Fintech Islands, with all rights reserved, or in some cases may be licensed to Fintech Islands by third parties (collectively, “Fintech Islands Content”).
The Fintech Islands Content is protected by the intellectual property rights of Fintech Islands LLC or those owners. All content which qualifies for protection under Federal Copyright Law under the laws of the United States is subject to the exclusive jurisdiction of the Federal Court System, whether registered or unregistered. All trademarks displayed on the Site are the trademarks of their respective owners, and constitute neither an endorsement nor a recommendation of such parties. In addition, such use of trademarks or links to the websites of third parties is not intended to imply, directly or indirectly, that those third parties endorse or have any affiliation with Fintech Islands.
Subject to your compliance with this Agreement, Fintech Islands grants you a personal, limited, non-exclusive, non-transferable, freely revocable license to access and view all Fintech Islands Content solely for your own personal or professional purposes in connection with your use of the Site and Service. You will have no right to sublicense this license. You shall not, and shall not permit any third party to: (a) alter, modify, reproduce, or create derivative works of any Fintech Islands Content; (b) distribute, sell, resell, lend, loan, lease, license, sublicense or transfer any Fintech Islands Content; or © alter, obscure or remove any copyright, trademark or any other notices that are provided on or in connection with any Fintech Islands Content. Except as stated in this section or as provided by any Additional Terms, you are granted no other licenses or rights in or to any Fintech Islands Content.
Any content, whether uploaded, posted, submitted, or otherwise made available to us or posted on our Sites, including without limitation comments to blog posts, user content from social media, or any other content which does not originate with Fintech Islands, or our partners or affiliates (“User Content”), is the sole responsibility of the person who made such User Content available. Under no circumstances will Fintech Islands, our partners or affiliates, be liable in any way for any User Content made available through any of our Sites. We may not moderate all comments to postings made on our Sites or User Content on certain other areas of our Sites, so we cannot and do not warrant and/or guarantee the truthfulness, integrity, suitability, or quality of any publicly available User Content.
You agree that you will not use any of our Sites to transmit or make available any content that:
- violates any laws, contains any threats, is abusive, harassing, vulgar, obscene, indecent, violates any person’s rights of privacy or publicity, is defamatory, libelous, hateful, contains any disparaging statements or opinions regarding racial, gender or ethnic background, or is otherwise tortious or objectionable;
- infringes any intellectual property rights or other rights of any party, including, but not limited to any patent, trademark, trade secret, copyright or other proprietary rights;
- contains any private information about an identifiable person without that person’s permission, or any content soliciting any personal or private information from any individual;
- you know or have reason to know is false, misleading, or fraudulent;
- you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
- employs any techniques to disguise the origin of the content submitted;
- contains any unsolicited or unauthorized advertising, promotional materials, or material which can be characterized as “junk mail,” “spam,” “chain letters,” “pyramid schemes,” “Ponzi schemes” or similar material, or any information posted primarily for advertising, promotional, or other commercial purposes, including without limitation any request for or solicitation of money, goods, or services for private gain;
- incorporates within it any software viruses or any other computer code, files or programs whose purpose or function is to interrupt, destroy or otherwise impair the operability of any software or hardware or telecommunications equipment;
- contains links to any websites containing content violating any of the foregoing requirements, or links to any websites for purposes of disrupting the operations of such website, harassing the owners of such website, or other objectionable or illegal purposes.
If any User Content is your original work, then you own the copyright in that work. We do not claim any copyrights in original works created and/or posted by individual visitors to our Sites. However, by uploading, posting, transmitting or otherwise making any User Content available on or through our Sites or social media, you are granting us, and our related entities, an irrevocable, nonexclusive, royalty-free license to copy, modify, publish, distribute or perform publicly, and prepare derivative works of such User Content in any medium or format without any obligation of notice, attribution or compensation to you.
All communications, feedback, questions, comments, suggestions, proposed features, and the like (collectively “Feedback”) will be considered non-confidential and non-proprietary with regard to you, but we reserve the right to treat any such Feedback as the confidential information of Fintech Islands LLC. By submitting Feedback to us, you assign to us, free of charge, a perpetual, irrevocable, worldwide license to create derivative works, distribute, reproduce, perform, display, and otherwise use, any intellectual property rights or proprietary information and ideas contained within any such Feedback, including without limitation the right to sublicense or assign any of the foregoing. We will be entitled to use any Feedback you submit to us, and any ideas, concepts, know-how or techniques contained in any such Feedback, for any purpose whatsoever, including but not limited to developing and marketing products and services using such Feedback without restriction and without notifying or compensating you in any way. Please do not send us any information or materials for which you do not wish to grant us such rights, including, without limitation, any confidential information or any original creative materials such as product ideas, written materials, photographs, original artwork, or computer code. You are responsible for the information and other content contained in any Feedback you submit to us, including, without limitation, their truthfulness and accuracy.
You agree not to use the Site to (a) violate or encourage the violation of any local, state, national, or international law; (b) stalk, harass, or harm another individual; (c) collect or store personal data about other users of our Site; (d) impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity; (e) interfere with or disrupt the Site or networks connected to the Site or disobey any requirements, procedures, policies, or regulations of networks connected to the Site. You agree not to use the Site to send any message that is unlawful, libelous, defamatory, abusive, sexually explicit, threatening, vulgar, obscene, profane, racially offensive, or otherwise objectionable, as determined by Fintech Islands in its sole discretion.
Without our written consent, you may not (i) reproduce, duplicate, copy, sell, resell, or exploit for any commercial purpose any Fintech Islands Content or any use of or access to the Site; (ii) allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam); (iii) use any high volume, automated, or electronic means (including, without limitation, robots, spiders, scripts, or other automated devices) to access the Site or monitor or copy our web pages or the content contained thereon; (iv) deep link to the Site for any purpose; or (d) frame the Site, place pop-up windows over its pages, or otherwise affect the display of its pages.
TO THE FULLEST EXTENT PERMITTED BY LAW, FINTECH ISLANDS LLC, ITS RELATED ENTITIES, ITS SERVICE PROVIDERS, ITS LICENSORS, AND ITS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS (COLLECTIVELY THE “FINTECH ISLANDS PARTIES”) EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, RELATED TO OUR SITES. YOU UNDERSTAND AND AGREE THAT YOUR USE OF OUR SITES IS AT YOUR OWN RISK. OUR SITES AND ALL CONTENT, PRODUCTS AND SERVICES OFFERED THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE FINTECH ISLANDS PARTIES ARE NOT RESPONSIBLE FOR THE TIMELINESS OF DELIVERY OF CONTENT, ANY FAILURES OF DELIVERY, ERRONEOUS DELETION, OR ANY LOSS OR DAMAGE OF ANY KIND YOU CLAIM WAS INCURRED AS A RESULT OF THE USE OF ANY SITE. UNDER NO CIRCUMSTANCES, WILL ANY OF THE FINTECH ISLANDS PARTIES BE LIABLE TO YOU OR TO ANY PERSON OR ENTITY CLAIMING THROUGH YOU FOR ANY LOSS, INJURY, LIABILITY OR DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE ON ANY OF OUR SITES OR ANY CONTENT, PRODUCT, FEATURE OR SERVICE PROVIDED TO YOU THROUGH OR IN CONNECTION WITH ANY OF OUR SITES. THIS IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL LOSSES AND DAMAGES OF ANY KIND WHATSOEVER, WHETHER DIRECT OR INDIRECT, GENERAL, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR OTHERWISE, INCLUDING WITHOUT LIMITATION, LOSS OF DATA, GOODWILL, REVENUE OR PROFITS. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER BASIS; EVEN IF ANY FINTECH ISLANDS PARTY HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES; AND WITHOUT REGARD TO THE SUCCESS OR EFFECTIVENESS OF OTHER REMEDIES. IF ANY PART OF THIS LIMITATION OF LIABILITY IS FOUND TO BE INVALID, ILLEGAL OR UNENFORCEABLE FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF THE FINTECH ISLANDS PARTIES UNDER SUCH CIRCUMSTANCES TO YOU OR ANY PERSON OR ENTITY CLAIMING THROUGH YOU FOR LIABILITIES THAT OTHERWISE WOULD HAVE BEEN LIMITED WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES. ACCORDINGLY, SOME OF THE ABOVE DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU.
In the event that you find content posted on one of our Sites which you believe is an infringement of the copyright ownership or other intellectual property rights of yourself or any third party, please immediately contact our Copyright Agent as described below. To report any alleged infringement, you may contact us in writing by providing a signed statement containing the following information:
- your name, address, telephone number, and e-mail address, and if you are acting on behalf of the owner of the intellectual property, the name of the owner;
- a statement, made under penalty of perjury, that you are the owner of the copyright or are authorized to act on behalf of the owner;
- a detailed description of the copyrighted work or other intellectual property that you claim has been infringed;
- if your claim is based on a registered work, the registration number, and the date of issuance of the registration;
- a description of the infringing material and the URL where such material is located on the Site, or a description of where on our Site you found such material;
- your written statement that you believe, in good faith, that the use of the work on our Site has not been authorized by the true owner of the work, its agent, or as a matter of law; and
- a statement under penalty of perjury that all of the information you have provided is true.
Please send your notice of alleged infringement to: Fintech Islands; Email: info@fintechIslands.com. In accordance with the Digital Millennium Copyright Act (“DMCA”), it is our policy to terminate use of our Sites by repeat infringers in appropriate circumstances.
Separate versions of our Site may be available for use on mobile devices. If you access our Site or Service on mobile devices or in mobile apps, you understand that your mobile carrier’s standard charges will apply.
You assume all knowledge of applicable law and you are responsible for compliance with any such laws. You may not use the Site in any way that violates applicable state, federal, or international laws, regulations or other government requirements.
Updated June 30, 2022
Fintech Islands LLC is committed to providing our customers, visitors, partners and employees with clarity about how we collect, use and protect personal data.
Fintech Islands uses data primarily to help registrants for our in-person and online events to understand how to attend and make the most of their experience; and to communicate news about upcoming events that individuals and companies may be interested in attending. A detailed list of data uses is below.
We follow data privacy and communications opt-in practices based on regulations for the geographic domains in which we operate. These include, but are not limited to, the US CAN-SPAM Act and the European Union’s General Data Protection Regulation (GDPR). With respect to GDPR, we rely on accepted lawful bases of ‘Contract’ to collect data and deliver communications related to registrations and other transactions; ‘Legitimate Interests’ to reach businesspeople with a likely interest in our services based on their professional role or interests; and ‘Consent’ when someone completes a form to opt into our general communications.
Through your continued use of our Sites or by willingly providing your Personally Relevant Information to us, you consent to the practices described in this Policy.
- To opt in to receive information about our programs and events, subscribe via the footer on any page of fintechislands.com.
- To opt out of receiving information about our programs and events, follow the opt-out link at the bottom of any such email from Fintech Islands. (You still may receive operational emails related to contractual relationships, activity registrations and changes to policy.)
- To request the deletion of your personally-identifiable data in our records, email firstname.lastname@example.org with the Subject line: Delete My Data.
Fintech Islands: info@fintechIslands.com
For the purposes of this Policy, “Personal Information” means any information that can be used to help identify you as an individual, including your: name; address; email and telephone number; online/social media accounts; employment information; and any persistent identifier that can be used to recognize you over time and your activity across different online services.
We also may compile other relevant information, which doesn’t directly identify a user but may further characterize your interest and behavior. An example of this is your stated interest in Fintech Islands content and activities focused on certain industry themes. Together, we refer to Personal Information and other relevant information as “Personally Relevant Information.”
We primarily collect and use Personally Relevant Information in the following ways:
When you register for a conference
We collect Personally Relevant Information when a user registers for a conference (whether for themselves, or on behalf of another individual). Information collection may also occur at the point of onsite check-in at an event. For example, we typically collect your name, email address, company, job title and function, mailing address, and phone number. If you choose, we will collect information relating to additional online contact information/usernames and preference information such as secondary phone numbers and emails, gender orientation or dietary restrictions. We use this information so that we can administer, manage and correspond with you about your registration and to contact you with information or issues relating to your attendance at our conference.
Your email address will be added to the Fintech Islands general mailing list, which informs you of upcoming events and other program information that may be of interest to you. You may subsequently opt out of emails that are not required to ensure you can attend and be productive at events for which you registered.
We also use registration information to provide you information from or about sponsors, exhibitors, and speakers, and to encourage networking between attendees, sponsors, partners and/or exhibitors at our conferences. Your name, company name, job title, contact information, or other personal or professional information may be included in media created by Fintech Islands for each conference, shared with partners or sponsors, or made available through our mobile or web application. The information shared varies depending on whether you are a speaker, sponsor, exhibitor, or attendee. See the relevant section below for details.
Finally, in order for you to make a payment or complete a transaction on our Sites, we may ask for your account information, security code, billing address, and any other information that may be required to process your transaction. For credit card transactions, this information is used only to process your payments securely via a third-party processor and is not permanently stored by Fintech Islands.
When you apply to become a Fintech Islands speaker, sponsor or competition participant.
We accept inquiries and applications online to become a speaker or sponsor at a Fintech Islands event and also to be considered for industry competitions and awards hosted by Fintech Islands.
If you apply to become a speaker, we require you to provide your name, email address, phone number, company name, and job title. You may choose to provide additional information related to your preferred topic and personal qualifications. By submitting this Personally Relevant Information, you consent to our retention of any information you provide. We use this information to evaluate your application and to communicate with you and will not publish or otherwise release this information to the public, unless you are selected to become a speaker or later provide your consent. You will be added to our general email list; you can choose to opt out subsequently by following the opt-out link at the bottom of any such email.
If you apply to become a sponsor or participate in competitions/awards, we collect contact information from you as a representative of the relevant organization that is applying. Personal Information collection and use is subject to the same measures as described for speaker applications.
When you download content or register for an activity on our Site
To stay abreast of industry trends or receive detailed materials about our programs, you may choose to take steps such as downloading an e-book or agenda, or registering for a webinar. Personally Relevant Information may be collected at that time, in order to fulfill the request, and may be shared with our partners who contributed to the program You will be added to our email list; you can choose to opt out subsequently by following the opt-out link at the bottom of any such email.
When you sign up to receive updates about Fintech Islands
When you proactively sign up for updates on Fintech Islands, we will add you to our general email list. This list provides updates on our conferences and other events, news, or other information you may find useful. Fintech Islands, our sponsors, or partners will only use your Personal Information collected through this email sign-up in order to send you these communications.
When you complete an event survey
When you complete an event survey, we may collect certain Personally Relevant Information from you along with your feedback. We use information collected in the surveys to administer, respond to, analyze or otherwise complete the survey process. Our surveys may include a response section specifically soliciting testimonials; excerpts of these quotes may be published and associated with your name, photo, title and company.
When you contact us through the Site
We request your name and email address if you contact us through our online contact form. We will use Personal Information collected through the contact form as needed to respond to your inquiry.
Third party sites and services
Certain services on our Sites—such as payment processing, registration, networking tools, and post-conference surveys—may be provided or powered by third parties. You may also visit other third party sites through links on our Sites. While these parties may provide information to us, these third parties are not bound by this Policy and may have privacy policies of their own governing the use and disclosure of your Personally Relevant Information. Please read any policies of third parties before you choose to provide Personally Relevant Information to them.
When we research companies and individuals who may be interested in our offerings
Fintech Islands and certain third-party service providers we work with will research companies and individuals by role who may be interested in our offerings. These entities may be added proactively to our records and email list. We base this activity on the European Union’s General Data Protection Regulations’ legal basis for using Personally Relevant Information known as “legitimate interests” (see GDPR Article 6, section 1-f). You may choose to opt out of communications or have your data deleted at any time, following the instructions above for “Communications & Data Collection Preference Settings.”
Cookies and online tracking
We respect the privacy of our conference attendees and do not sell or provide access to your Personal Information, except as described below. Please be aware that certain Personally Relevant Information provided during conference registration may be made public. The information shared depends on the type of attendee.
In addition to the previously mentioned uses of data:
- Your Personally Relevant Information will be used with service providers who perform business functions on our behalf, or in the other circumstances noted below. For example, we may share certain Personally Relevant Information we collect with third parties such as providers of data hosting, accounting, processing services, CRM providers, or other providers of essential/internal business functions.
- In limited circumstances, we may share Personally Relevant Information we possess as part of a sale or transfer our business, or substantially all of our assets. We may also share Personally Relevant Information if we need to protect the interests of Fintech Islands, our customers, property, or the public, to the extent allowed by law. Similarly, we may share Personally Relevant Information with governmental authorities or otherwise in response to a legal request that we believe requires us to do so. We will share any such information to the extent we believe that request requires. Legal requests include, for example, search warrants, subpoenas, and other court orders. We may also receive legal requests or orders from jurisdictions outside the United States, in which case you consent for your Personally Relevant Information to be transferred to the applicable country.
You may access or update any Personally Relevant Information we hold about you by sending a letter or email using the contact information listed at the beginning of this Policy. We will provide you a statement of all data collected about you. We will respond to reasonable requests for revision and will provide access to the extent required by law.
For residents of California (as required by California law), the Personally Relevant Information Fintech Islands has disclosed about you to third parties for direct marketing purposes during the preceding calendar year (if any) is available upon request by contacting us.
You may request that we delete your Personally Relevant Information at any time by writing to info@fintechIslands.com with the subject line: Delete My Data. We will acknowledge receipt of the request and send you confirmation when complete, generally within 30 days of request. If you have registered for an upcoming event or otherwise formed a contract to be performed with or by us, then final data deletion may occur after the completion of such contract.
For the most part, individuals’ Personally Relevant Information will be entirely deleted. If you have been associated with a prior event registration or other transaction, we may “anonymize” your record by replacing name and email with unidentifiable characters and erasing the other information related to you; this permits Fintech Islands to maintain the integrity of our transactional records.
We use reasonable security measures to protect any Personally Relevant Information held by Fintech Islands. We implement and regularly review various physical, procedural and technological safeguards that we believe will keep your Personally Relevant Information secure.
When becoming aware of a breach or suspected breach, we will notify the relevant supervisory authority within 72 hours. When the personal data breach is likely to result in a high risk to your rights and freedoms, we shall communicate the personal data breach to you without undue delay.
Fintech Islands complies with the Children’s Online Privacy Protection Act (“COPPA”). This site is neither directed at nor intended for minors under the age of 18. In the event that we have inadvertently collected Personally Relevant Information from a user under age 13, we will promptly delete it, in compliance with COPPA. Do not use this Site if you are under the age of 18.
You may also be bound by sponsorship, registration, or exhibitor terms and conditions, (each an “Additional Agreement”). In the event of a conflict between this Policy and an Additional Agreement, the Additional Agreement will supersede. Further, you may arrive at a third-party site or service when using our Site or a certain feature, in which case this Policy does not apply. Please review the policies of any third party to learn how they may treat your Personally Relevant Information.
By providing us with any Personally Relevant information you expressly and unconditionally release and hold harmless Fintech Islands, its parents, subsidiaries, affiliates, related companies and their respective shareholders, owners, members, directors, officers, employees and agents (collectively, the “Releasees”) from any and all liability for any injuries, loss or damage of any kind arising from or in connection with the use and/or misuse of your collected Personally Relevant Information. In addition, while we take reasonable steps to prevent third-party companies from making unauthorized use of your personal information, we cannot be held liable for any injuries, loss or damage of any kind arising from or in connection with the use and/or misuse of your collected Personally Relevant Information by those third parties.
This policy may change from time to time. We will post the most current version of this policy on our website with the effective date indicated. Your continued use of our Sites means you consent to the terms of any Policy revisions.
Cookies are small data files that are transferred to your hard drive when your browser settings permit the acceptance of cookies. Similar technologies, such as pixel tags, function through the use of small files, such as a GIF or PNG, which are opened on a page or in an email. In this policy, we refer to all such technologies as cookies. The request for these files from a server reveals certain information, such as your browser type, IP address, and other information. To learn more about cookies and how they can affect your privacy, visit www.allaboutcookies.org.
By tracking how and when you use our website, these technologies help us determine which features and content on the site are most important to our visitors.
We categorize cookies in the following ways:
- Strictly Necessary. These cookies are fundamental to the operation of the website and cannot be turned off.
- Functional. These support the provision of advanced functionality such as video or live chat with our Client Relations team. The cookies may be placed by third party technology companies enabling such functionality.
- Performance. Anonymously compiles and analyzes behavior of visitors to the website using tools such as website analytics software. This enables Fintech Islands to understand, for example, which aspects of the website are popular and which may benefit from reorganization of the user experience.
- Targeting. These cookies seek to understand particular users’ experience with our website for purposes of personalizing the experience. They may include cookies placed by advertising platforms, although Fintech Islands’s Site minimally involves advertising.
- Social Media. These cookies are set by social media services to enable you to share content with your connections and networks. They also may help personalize ads that appear when you use social media.
For all types of cookies other than Strictly Necessary, you have the option of enabling or disabling them. However, disabling certain categories of cookies may cause aspects of the website to cease functioning properly. If you do not want information collected through the use of optional cookies, you may access the Cookie Preferences page on our website to select the types cookies you wish to enable or disable. If you do not wish to experience Strictly Necessary cookies, then you would need to leave our website.