allow the website to work correctly. If you would like to, you can always change your cookie settings.
We take your personal information very seriously. To ensure your trust, we have taken steps to protect your private life in relation to the operations you perform on the Website.
2. Intellectual property and usage rights
We inform you and you agree that the Website is our intellectual property and is managed by us. Information, graphic, audio, video, photo and other means of filling the Website and the materials that are placed on the Website are our intellectual property or the property of right holders, who have granted us the right to place these materials on the Website.
All intellectual property rights, including copyright, associated, exclusive rights to corporate names, trade names, trademarks, service marks or other intellectual rights in all materials or content of the Website belong to us or to our partners.
We provide you a restricted, personal, non-transferable, revocable license to access our Website and its materials, which cannot be sublicensed. The Website and the materials on it are designed exclusively for your non-commercial use. Any other use of the Website or the materials on it is prohibited without our prior written permission. You agree not to perform any, all or several of such actions as copying, reproduction, transfer, distribution, sale, commercial use, amendment, reprocessing or creation of derivative materials from the materials and the content of the Website. Performance of such actions as pertaining to the Website and its materials is unlawful and may be entail liability pursuant to governing law. This restriction does not apply to your messages and announcements on the Website.
3. Governing law
4. Personal information
The information that we collect about you depends on how you use the opportunities that our Website provides.
We can obtain the following personal information:
• Personal information that correlates with you as an individual, including your personal data such as your name, home address or e-mail address, telephone number and other detailed information that you volunteer about yourself when you register on the Website or when you use the Services, send us a letter or agree to receive electronic messages from our Website or upon other interaction with us. Personal information that is mandatory for the provision of the Services shall be highlighted in a particular way. You may provide other information as you see fit. You are not obliged to provide us your personal information. Nevertheless, if you prefer not to provide this information, it is possible you may not be able to visit all pages of the Website or use all of the Services;
• Data that are automatically transferred to the Website when it is used with the help of software that is installed on your user device, including your IP address, geographic location, information about your browser or other program, with which you access the Website, the technical characteristics of the equipment and software that you use as a user, the date and duration of use of the Website, the pages you view, the website address from which you arrived at our Website, details of cookies files and other such information that does not enable us to identify you.
5. Purposes of processing personal information
We process the collected personal information for the following purposes:
• To identify, authorize and authenticate you as a user of our Website;
• To provide you with personalized Services;
• To communicate with you, including the sending of notices and information that relates to the Services or on amendments to our policies, and to process your inquiries and applications;
• To inform you about our products and services or about the products and services of our partners or to provide you with information, allowing for your actions on the Website that we believe will be of particular interest to you. You also allow us to take your individual preferences into account and to provide you with a higher level of service. In particular, we may send you invitations to attend presentations and other events that we hold individually or in collaboration with our partners.
• To target advertising;
• To evaluate, optimize, and improve the quality of the Website, the Services and the convenience of their use, in accordance with your preferences;
• To perform statistic and similar research based on anonymous or depersonalized information;
• For recognition, study, and prevention of actions that may violate our policies or be unlawful.
From time to time we may also invite you to provide personal information in the form of questionnaires or surveys, your participation in which is purely voluntary. The personal information that is received from such questionnaires or surveys is used to inform you of the results of the questionnaires or surveys and to improve the way the Website is used or to enhance satisfaction with the Services.
6. Advertising information and marketing information. Withdrawal from participation
In addition to the designated purposes of processing personal information, we would like to inform you of our news, advertising campaigns and special offers that may be of benefit to you. We value your time and your attention, and so we monitor the dispatch of advertising information and marketing e-mails.
The Website gives you the opportunity to withdraw from receiving such materials by following the link in the letter you receive, or by selecting another available means of withdrawal from receipt of materials. You can also or update amend your settings for receiving or not receiving marketing e-mails.
Please note that we hold no responsibility for the actions of external vendors and advertisers. We do our best to work with reliable companies, but we are unable to control how they operate. Nevertheless, you can report to us about your experience of collaborating with any third parties with whom we work, so that we could improve what we offer you.
7. Conditions governing the processing of personal information and its transfer to others
We preserve the confidentiality of your personal information, apart from instances when you voluntarily provide information about yourself in the public domain to an unlimited number of persons. Please note that your personal information that you independently place on your personal page, in comments to publications and on other publicly accessible Services, may be viewed by other users.
We will not transfer your personal details to others, except for in a limited number of circumstances, including the following:
• When you consent to our performing other actions, such as when you permit us to provide your personal information to other websites;
• When we collaborate with financial institutions to jointly offer you products and services. In so doing, financial institutions will be prohibited from using your personal information other that for the joint promotion of products and services;
• When the transfer of personal information is stipulated under governing law as part of a legally established procedure or pursuant to a judicial decision;
• When it is necessary to facilitate the protection our rights and other lawful interests, and the rights and lawful interests of other persons or users, upon the violation of our policies or agreements;
• When, as a result of the processing of your personal information, depersonalized statistical data are received, which are transferred to another person to perform research, conduct work or render services at our behest.
8. Amendment and deletion of personal information. Data storage
You may amend (update or supplement) the personal information you provide to us at any time, either fully or partially, by using the editing function in the corresponding section of the Website or in the personal section of the Service.
You right to amend or delete your personal information on the Website may be restricted pursuant to the requirements of governing law. Specifically, such restrictions as regards this reason, may stipulate our obligation to preserve information that you have amended or deleted for another period of time and to transfer such information in accordance with a procedure as established under law.
9. Processing personal information using cookies and counters
Cookies are a small portion of text information that our Website passes to your browser, while the browser stores and transfers it back to the Website on each occasion that you make an inquiry to the Website. Certain values of cookies may be stored only for a single session when you are on the Website and shall be deleted once you close the browser. Others, set for a certain period of time, shall be recorded in a special file and stored on your computer.
Please note that the equipment and software that users use to visit Internet websites may prevent operations with cookies for any or for specific websites, and may delete previously received cookies. You can independently delete cookies that are saved on your computer at any time and amend the parameters in your browser settings so that the browser stops saving all cookies and notifies you that they have been sent. However, in this instance, certain functions of the Website and the Services may stop working, they may work more slowly or reflect only text-based information. We reserve the right to establish that the provision of a certain Service is possible only if the user has permitted the acceptance and receipt of cookies.
Our Website also contains counters, which are used to analyze users’ cookies, to collect and process statistical information on the number of Website users, the use of Services and the popularity of service settings, the frequency of visits to pages of the Website, to monitor traffic, to evaluate the technical capabilities of the Website, ensure the maximum possible compliance of the Website with the browsers used by users, and to ensure the operating capability of the Website and the Services as a whole or in terms of separate functions. The technical parameters of the work of counters are specified by the Website and may be amended without having to send you our prior notification.
10. Steps taken to protect personal information
We take the organizational and technical steps that we deem necessary and sufficient to ensure the protection of your personal information from unlawful or random access, destruction, blocking, copying, copying, distribution, and from other unlawful actions of other persons as regards your personal information. From time to time we shall review our procedures pertaining to the security of personal information and we shall select new technologies and methods that are suitable for this purpose. Nevertheless, even when using the most state-of-the-art technologies, no website can be completely secure.
In those improbable instances when we believe that the security of the personal information we have received may not be observed, we may inform you of such a development of events. If such a notification is justified, we shall apply every effort to inform you of this effect as soon as possible, allowing for the given circumstances.
11. Links to other websites
13. Giving feedback. Questions and suggestions:
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