One of the most challenging aspects of working for a technology provider in financial services is truly understanding the needs of our banking clients’ day to day without having had the experience of working alongside them in the industry. Capital Markets Handbook provides thorough insight into debt issuance and relays the interests, concerns, and challenges of all parties involved in the capital markets fundraising process. I learned about who participates, what they care about, and how they get their jobs done. It’s a clear window directly into the boardroom, viewing transactions from start to finish that no other resource provides. Capital Markets Handbook gives my team the ability to relate to our clients’ business and serve them better. -Gail Takatomi
Capital Markets Handbook is a comprehensive overview anyone can use to gain a deep understanding of primary market origination for Investment Grade fixed income securities. I wish a program like this had been available to me when I graduated business school and began my career on Wall Street. From learning the basic structure of a bond through IG Bond Basics, to walking through a very thorough timeline and case study, you are able to experience a deal through the eyes and ears of syndication, debt capital markets, sales and trading and back office professionals, providing a thorough and top level view of origination workflows. In addition, the product contains a Glossary that is thorough in covering key terms and concepts used on any trading floor or capital markets desk. This is an outstanding resource. - Kristin La Valle
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1. TERMS OF USE
By downloading, browsing, accessing or using the Capital Markets Handbook mobile application (known as “The App”), you agree to be bound by these Terms and Conditions of Use. We reserve the right to amend these terms and conditions at any time. If you disagree with any of these Terms and Conditions of Use, you must immediately discontinue your access to The App and your use of the services offered on The App. Continued use of The App will constitute acceptance of these Terms and Conditions of Use, as may be amended from time to time.
2. DEFINITIONS
In these Terms and Conditions of Use, the following capitalized terms shall have the following meanings, except where the context otherwise requires:
"Account" means an account created by a User on The App as part of Registration.
"Merchant" refers to any entity whose products or Samples can be purchased and/or redeemed (as the case may be) via The App.
"Privacy Policy" means the privacy policy set out in Clause 14 of these Terms and Conditions of Use.
"Redeem" means to redeem a Merchant’s products or Samples on these Terms and Conditions of Use and
"Redemption" means the act of redeeming such products or Samples.
"Register" means to create an Account on The App and "Registration" means the act of creating such an Account on our Welcome screen.
"Samples" means samples of third party Merchant’s products and/or Merchant’s services, including without limitation, any vouchers for the redemption of such services, and "Sample" means any one of them.
"Services" means all the services provided by Capital Markets Handbook via The App to Users, and "Service" means any one of them,
"Users" means users of The App, including you and "User" means any one of them.
3. GENERAL ISSUES ABOUT THE APP AND THE SERVICES
3.1 Applicability of terms and conditions: The use of any Services and/or The App and the making of any Redemptions are subject to these Terms and Conditions of Use.
3.2 Location: The App, the Services and any Redemptions are intended solely for use by Users who access The App in all locations and are subject to applicable laws in that location.
3.3 Scope: The App, the Services and any Redemptions are for your non-commercial, personal use only and must not be used for business purposes.
3.4 Prevention on use: We reserve the right to prevent you using The App and the Service (or any part of them) and to prevent you from making any Redemptions.
3.5 Equipment and Networks: The provision of the Services and The App does not include the provision of a mobile telephone or handheld device or other necessary equipment to access The App or the Services or make any Redemptions. To use The App or Services or to make Redemptions, you will require Internet connectivity and appropriate telecommunication links. You acknowledge that the terms of agreement with your respective mobile network provider ("Mobile Provider") will continue to apply when using The App. As a result, you may be charged by the Mobile Provider for access to network connection services for the duration of the connection while accessing The App or any such third party charges as may arise. You accept responsibility for any such charges that arise.
3.6 Permission to use The App: If you are not the bill payer for the mobile telephone or handheld device being used to access The App, you will be assumed to have received permission from the bill payer for using The App.
4. REDEMPTIONS
4.1 Need for registration: You must Register to make a Redemption from The App.
4.2 Application of these Terms and Conditions of Use: By making any Redemption, you acknowledge that the Redemption is subject to these Terms and Conditions of Use.
4.3 Redemption: Any attempted Redemption not consistent with these Terms and Conditions of Use may be disallowed or rendered void at our or the relevant Merchant’s discretion.
4.4 Responsibility for Redemptions of perishable products of Samples: Each Merchant shall be responsible to ensure that any of its products or Samples for Redemption that are perishable has not expired.
4.5 Restrictions: (a) Reproduction, sale, resale or trading of any products or Samples or Redeemed products is prohibited. (b) If any product or Sample is Redeemed for less than its face value, there is no entitlement to a credit, cash or Sample equal to the difference between the face value and the amount Redeemed. (c) Redemption of products or Samples is subject to availability of the relevant Merchants’ stocks.
5. LOCATION ALERTS AND NOTIFICATIONS
5.1 You agree to receive pre-programmed notifications (“Location Alerts”) on The App from Merchants if you have turned on locational services on your mobile telephone or other handheld devices (as the case may be).
6. YOUR OBLIGATIONS
6.1 Merchant terms: You agree to (and shall) abide by the terms and conditions of the relevant Merchant for which your Redemption relates to, as may be amended from time to time.
6.2 Accurate information: You warrant that all information provided on Registration and contained as part of your Account is true, complete and accurate and that you will promptly inform us of any changes to such information by updating the information in your Account.
6.3 Content on The App and Service: It is your responsibility to ensure that any products, Samples or information available through The App or the Services meet your specific requirements before making any Redemption.
6.4 Prohibitions in relation to usage of Services or The App: Without limitation, you undertake not to use or permit anyone else to use the Services or The App:-
6.4.1 to send or receive any material which is not civil or tasteful
6.4.2 to send or receive any material which is threatening, grossly offensive, of an indecent, obscene or menacing character, blasphemous or defamatory of any person, in contempt of court or in breach of confidence, copyright, rights of personality, publicity or privacy or any other third party rights;
6.4.3 to send or receive any material for which you have not obtained all necessary licenses and/or approvals (from us or third parties); or which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party in any country in the world;
6.4.4 to send or receive any material which is technically harmful (including computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data);
6.4.5 to cause annoyance, inconvenience or needless anxiety;
6.4.6 to intercept or attempt to intercept any communications transmitted by way of a telecommunications system;
6.4.7 for a purpose other than which we have designed them or intended them to be used;
6.4.8 for any fraudulent purpose;
6.4.9 other than in conformance with accepted Internet practices and practices of any connected networks;
6.4.10 in any way which is calculated to incite hatred against any ethnic, religious or any other minority or is otherwise calculated to adversely affect any individual, group or entity; or
6.4.11 in such a way as to, or commit any act that would or does, impose an unreasonable or disproportionately large load on our infrastructure.
6.5 Prohibitions in relation to usage of Services, The App: Without limitation, you further undertake not to or permit anyone else to:-
6.5.1 resell any products or Samples ;
6.5.2 furnish false data including false names, addresses and contact details and fraudulently use credit/debit card numbers;
6.5.3 attempt to circumvent our security or network including to access data not intended for you, log into a server or account you are not expressly authorised to access, or probe the security of other networks (such as running a port scan);
6.5.4 execute any form of network monitoring which will intercept data not intended for you;
6.5.5 enter into fraudulent interactions or transactions with us or a Merchant (including interacting or transacting purportedly on behalf of a third party where you have no authority to bind that third party or you are pretending to be a third party);
6.5.6 extract data from or hack into The App;
6.5.7 use the Services or The App in breach of these Terms and Conditions of Use;
6.5.8 engage in any unlawful activity in connection with the use of The App or the Services; or
6.5.9 engage in any conduct which, in our exclusive reasonable opinion, restricts or inhibits any other customer from properly using or enjoying The App or Services.
7. RULES ABOUT USE OF THE SERVICE AND THE APP
7.1 We will use reasonable endeavors to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that the Services or The App will be free of faults, and we do not accept liability for any such faults, errors or omissions. In the event of any such error, fault or omission, you should report it by contacting us at feedback@cmhandbook.com.
7.2 We do not warrant that your use of the Services or The App will be uninterrupted and we do not warrant that any information (or messages) transmitted via the Services or The App will be transmitted accurately, reliably, in a timely manner or at all. Notwithstanding that we will try to allow uninterrupted access to the Services and The App, access to the Services and The App may be suspended, restricted or terminated at any time.
7.3 We do not give any warranty that the Services and The App are free from viruses or anything else which may have a harmful effect on any technology.
7.4 We reserve the right to change, modify, substitute, suspend or remove without notice any information or Services on The App from time to time. Your access to The App and/or the Services may also be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services. We will attempt to restore such access as soon as we reasonably can. For the avoidance of doubt, we reserve the right to withdraw any information or Services from The App at any time.
7.5 We reserve the right to block access to and/or to edit or remove any material which in our reasonable opinion may give rise to a breach of these Terms and Conditions of Use.
8. SUSPENSION AND TERMINATION
8.1 If you use (or anyone other than you, with your permission uses) The App, any Services in contravention of these Terms and Conditions of Use, we may suspend your account and use of the Services and/or The App.
8.2 If we suspend the Services or The App, we may refuse to restore the Services or The App for your use until we receive an assurance from you, in a form we deem acceptable, that there will be no further breach of the provisions of these Terms and Conditions of Use.
8.3 Capital Markets Handbook shall fully co-operate with any law enforcement authorities or court order requesting or directing Capital Markets Handbook to disclose the identity or locate anyone in breach of these Terms and Conditions of Use.
8.4 Without limitation to anything else in this Clause 8, we shall be entitled immediately or at any time (in whole or in part) to: (a) suspend the Services and/or The App; (b) suspend your use of the Services and/or The App; and/or (c) suspend the use of the Services and/or The App for persons we believe to be connected (in whatever manner) to you, if:
8.4.1 you commit any breach of these Terms and Conditions of Use;
8.4.2 we suspect, on reasonable grounds, that you have, might or will commit a breach of these Terms and Conditions of Use; or
8.4.3 we suspect, on reasonable grounds, that you may have committed or be committing any fraud against us or any person.
8.5 Our rights under this Clause 8 shall not prejudice any other right or remedy we may have in respect of any breach or any rights, obligations or liabilities accrued prior to termination.
9. DISCLAIMER AND EXCLUSION OF LIABILITY
9.1 The App, the Services, the information on The App and use of all related facilities are provided on an "as is, as available" basis without any warranties whether express or implied.
9.2 To the fullest extent permitted by applicable law, we disclaim all representations and warranties relating to The App and its contents, including in relation to any inaccuracies or omissions in The App, warranties of merchantability, quality, fitness for a particular purpose, accuracy, availability, non-infringement or implied warranties from course of dealing or usage of trade.
9.3 We do not warrant that The App will always be accessible, uninterrupted, timely, secure, error free or free from computer virus or other invasive or damaging code or that The App will not be affected by any acts of God or other force majeure events, including inability to obtain or shortage of necessary materials, equipment facilities, power or telecommunications, lack of telecommunications equipment or facilities and failure of information technology or telecommunications equipment or facilities.
9.4 While we may use reasonable efforts to include accurate and up-to-date information on The App, we make no warranties or representations as to its accuracy, timeliness or completeness.
9.5 We shall not be liable for any acts or omissions of any third parties howsoever caused, and for any direct, indirect, incidental, special, consequential or punitive damages, howsoever caused, resulting from or in connection with The App and the services offered in The App, your access to, use of or inability to use The App or the services offered in The App, reliance on or downloading from The App and/or services, or any delays, inaccuracies in the information or in its transmission including but not limited to damages for loss of business or profits, use, data or other intangible, even if we have been advised of the possibility of such damages.
9.6 We shall not be liable in contract, tort (including negligence or breach of statutory duty) or otherwise howsoever and whatever the cause thereof, for any indirect, consequential, collateral, special or incidental loss or damage suffered or incurred by you in connection with The App and these Terms and Conditions of Use. For the purposes of these Terms and Conditions of Use, indirect or consequential loss or damage includes, without limitation, loss of revenue, profits, anticipated savings or business, loss of data or goodwill, loss of use or value of any equipment including software, claims of third parties, and all associated and incidental costs and expenses.
9.7 The above exclusions and limitations apply only to the extent permitted by law. None of your statutory rights as a consumer that cannot be excluded or limited are affected.
9.8 Notwithstanding our efforts to ensure that our system is secure, you acknowledge that all electronic data transfers are potentially susceptible to interception by others. We cannot, and do not, warrant that data transfers pursuant to The App, or electronic mail transmitted to and from us, will not be monitored or read by others.
10. INDEMNITY
You agree to indemnify and keep us indemnified against any claim, action, suit or proceeding brought or threatened to be brought against us which is caused by or arising out of (a) your use of the Services, (b) any other party’s use of the Services using your user ID, verification PIN and/or any identifier number allocated by Capital Markets Handbook, and/or (c) your breach of any of these Terms and Conditions of Use, and to pay us damages, costs and interest in connection with such claim, action, suit or proceeding.
11. INTELLECTUAL PROPERTY RIGHTS
11.1 All editorial content, information, photographs, illustrations, artwork and other graphic materials, and names, logos and trade marks on The App are protected by copyright laws and/or other laws and/or international treaties, and belong to us and/or our suppliers, as the case may be. These works, logos, graphics, sounds or images may not be copied, reproduced, retransmitted, distributed, disseminated, sold, published, broadcasted or circulated whether in whole or in part, unless expressly permitted by us and/or our suppliers, as the case may be.
11.2 Nothing contained on The App should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark displayed on The App without our written permission. Misuse of any trademarks or any other content displayed on The App is prohibited.
11.3 We will not hesitate to take legal action against any unauthorized usage of our trademarks, name or symbols to preserve and protect its rights in the matter. All rights not expressly granted herein are reserved. Other product and company names mentioned herein may also be the trademarks of their respective owners.
12. AMENDMENTS
12.1 We may periodically make changes to the contents of The App, including to the descriptions and prices of goods and services advertised, at any time and without notice. We assume no liability or responsibility for any errors or omissions in the content of The App.
12.2 We reserve the right to amend these Terms and Conditions of Use from time to time without notice. The revised Terms and Conditions of Use will be posted on The App and shall take effect from the date of such posting. You are advised to review these terms and conditions periodically as they are binding upon you.
13. APPLICABLE LAW AND JURISDICTION
13.1 You accept and agree that both you and we shall submit to the exclusive jurisdiction of the courts of the state of New Jersey, United States in respect of any dispute arising out of and/or in connection with these Terms and Conditions of Use.
14. Privacy Policy
14.1 Access to The App and use of the Services offered on The App by Capital Markets Handbook and/or its group of companies is subject to this Privacy Policy. By accessing The App and by continuing to use the Services offered, you are deemed to have accepted this Privacy Policy, and in particular, you are deemed to have consented to our use and disclosure of your personal information in the manner prescribed in this Privacy Policy and for the purposes set out in Clauses 3.7 and/or 4.1. We reserve the right to amend this Privacy Policy from time to time. If you disagree with any part of this Privacy Policy, you must immediately discontinue your access to The App and your use of the Services.
14. SERVICES OPERATION
14.1 As part of the normal operation of our Services, we collect, use and, in some cases, disclose information about you to third parties. Accordingly, we have developed this Privacy Policy in order for you to understand how we collect, use, communicate and disclose and make use of your personal information when you use the Services on The App:-
(a) Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
(b) We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
(c) We will only retain personal information as long as necessary for the fulfillment of those purposes.
(d) We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
(e) Personal information should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
(f) We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.
PRIVACY POLICY
Our privacy policy is in compliance with GDPR (Global Data Protection Regulation).
Under this Privacy Policy, Capital Markets Handbook mobile app (known as the “App”) is the data controller of all data entered into forms in the App as well as all cookies administered onto your mobile device. We are also the data processor.
Section 1. Acknowledgement and Acceptance of Terms.
We are committed to protecting your privacy. This Privacy Statement sets forth our current privacy practices with regard to the information we collect when you or your device interact with the App. By accessing the App, you acknowledge and fully understand our Privacy Statement and freely consent to the information collection and use practices described in this Privacy Statement.
Section 2. Participating Merchant Policies
Related services and offerings with links from the App, including data from external website servers, have their own privacy statement. Online merchants and others who participate in our services are encouraged to participate in industry privacy initiatives and to take a responsible attitude towards consumer privacy. However, since we do not have direct control over the policies or practices of participating merchants and other third parties, we are not responsible for the privacy practices or contents of those companies. We recommend and encourage that you always review the privacy policies of merchants and other third parties before you provide any personal information or complete any transaction with such parties.
Section 3. Information We Collect and How We Use It
Anyone under the age of 18 may only use this site and its services in conjunction with and under the supervision of their parents or guardians, and with express permission from us. For this reason, we ask that anyone under the age of 18 should not submit any personal information through our site. The App collects certain information from and about its users three ways: directly from our Web Server logs, information provided by user, and with Cookies.
Web Server Logs
When you visit the App, we may track information to administer the site and analyze its usage. Examples of information we may track include:
Under GDPR compliance, you may request to have this information removed from our web server logs. To have your information removed, please send us a message to our DPO (Data Protection Officer) with the information to be removed.
b. Use of Cookies
This site uses cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your device by a Web page server. Cookies cannot be used to run programs or deliver viruses to your device. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize an app page, or navigate within the App, a cookie helps the site to recall your specific information on subsequent visits. Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality. We reserve the right to share aggregated site statistics with partner companies. For more information about how our third-party service providers may use cookies, please see Section 4, below. You have the ability to accept or decline cookies. Most mobile web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable some of the functionality on the App.
Cookies can easily be deleted in your web browser. Please see your particular mobile web browser documentation for instructions on removing cookies. Please note that cookies need to be removed once for each web browser you use to visit the App.
We will be saving cookies on your device pertaining, but not limited to:
c. Use of Personal Information
Visitors to the App can register to purchase services. When you register, we may request some personal information such as name, email and other relevant information. If you are purchasing a service, we may request financial information. Any financial information we collect is used only to bill you for the services you requested and/or purchased and any applicable fees that are compliant with our Terms of Service. If you purchase by credit card, the information may be forwarded to your credit card provider. For other types of registrations, we will ask for the relevant information. You may also be asked to disclose personal information to us so that we can provide assistance and information to you. For example, such data may be warranted in order to provide online technical support and troubleshooting. Under some circumstances we may require some additional financial information, including, without limitation, your billing address, bank account information, and tracking information from checks or money orders. We will not disclose personally identifiable information we collect from you to third parties without your permission except to the extent necessary including:
d. Your request to update or delete information from cookies
Section 4. Third Party Advertisers
This app contains no known third parties at this time.
Section 5. Accessing Web Account Information
We will provide you with the means to ensure that personally identifiable information is correct and current. You may review this information by contacting us by sending an email to our data protection officer via our contact form.
Section 6. Changes to this Statement
We have the discretion to occasionally update this privacy statement. When we do, we will also revise the “updated” date at the top of this Privacy page. We encourage you to periodically review this privacy statement to stay informed about how we are helping to protect the personal information we collect. Your continued use of the service constitutes your agreement to this privacy statement and any updates.
Contacting Data Protection Officer
For all inquiries about your personal data that we retain or to request a modification, please contact our Data Protection Officer, Michael Grieci at 973-988-1492 and privacy@cmhandbook.com.
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We're rated 4.5 out of 5 stars because our users have so much success learning.
Value proposition goes here. Clarity trumps
persuasion. Lorem ipsum dolor sit.
