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  • Terms of Use


    Welcome to the SNL Knowledge Center website ("Site"). SNL Knowledge Center provides the information and services on this Site on the condition that you accept these terms of use ("Terms"). Please read the Terms carefully before using the site, because by using the Site, you accept and agree to be bound by the Terms. If you do not agree to the Terms, please do not use the Site.

    Privacy Policy


    Please review SNL Knowledge Center's Privacy Policy, which is incorporated into these Terms.

    SNL Knowledge Center


    SNL Knowledge Center provides unique and substantive financial education programs and products to professionals in the financial services industry. SNL Knowledge Center is an affiliate of SNL Financial, the leading information and research company, focusing on the banking, thrift, real estate, insurance, telecommunications, specialized financial services and energy industries.

    SNL Knowledge Center provides live offline multi-day training programs, as well as multimedia presentations that can be accessed via the internet ("E-learning Content"). This Site provides information about SNL Knowledge Center, allows users to research and register for its public and custom training programs, and allows users to purchase and view E-learning Content.

    E-Learning Content Providers


    SNL Knowledge Center may use third-party technology service partners (such as hosting and video streaming services) to deliver on-demand learning content. Please see SNL Knowledge Center's Privacy Policy for more details on how our service providers may use your personal information.

    No Unlawful or Prohibited Use


    By using the Site, you warrant to SNL Knowledge Center that you will not use the Site or any of the content on the Site, for any purpose that is unlawful or prohibited by these Terms or by any applicable law. If you violate any of these Terms, your permission to use the Site automatically terminates.

    You must be at least 18 years of age in order to use this Web site. Should you be required to create a user account (for example, in order to purchase E-learning Content), you are responsible for maintaining the confidentiality of your password, and shall be responsible for all usage of your user account and/or user name, whether authorized or unauthorized by you. You agree to immediately notify SNL Knowledge Center of any unauthorized use or your user account, user name or password.

    You agree to only use the Site for yourself or another person who has authorized you to share his or her contact information. You promise that all information you provide will be accurate, current and truthful to the best of your knowledge. If you provide any information that is untrue, not current or incomplete, or if SNL Knowledge Center has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, SNL Knowledge Center may, in its sole discretion, prevent you from using the Site in the future including the termination of any user account you may have set up.

    Copyrights; Trademarks


    The copyrightable content on the Site is owned by or licensed to SNL Knowledge Center. You agree not to copy, distribute or otherwise use any content other than for personal, noncommercial purposes unless you obtain SNL Knowledge Center's prior written consent.

    SNL Knowledge Center, the SNL Knowledge Center and SNL logos and other SNL Knowledge Center or SNL trademarks are owned by SNL Knowledge Center or SNL (the "SNL Knowledge Center Marks"). You may not use SNL Knowledge Center Marks for any product or service that does not belong to us, nor in any manner that is likely to cause confusion about whether we are the source, affiliated with, sponsor of or endorser of any product or service. In addition, you may not use SNL Knowledge Center Marks in any manner that disparages or discredits us.

    Links


    We may provide links to other third-party Web sites. We exercise no control whatsoever over these other Web sites and are not responsible or liable for the content or activities on them. You use any such sites solely at your own risk.

    No Investment Recommendations or Professional Advice


    The information on the Site is provided for general instructional or informational purposes only, and no content is intended as advice for investing or trading in securities of any company.

    Indemnification


    You agree to indemnify (and, if requested, defend) SNL Knowledge Center, its affiliates and its respective officers, employees, and agents from all liabilities, damages, losses or expense (including reasonable attorneys' fees) an indemnity may incur based upon any third party claims related to or arising out of your acts or omissions in connection with your use of the Site in any way or your violation of the these Terms.

    Disclaimer of Warranties


    You understand and agree that this website and all services and content are available on an "as is" and "as available" basis and that you use them at your own risk. You are solely responsible for any damage to your computer system or any loss of data that results from your use of the Site. SNL Knowledge Center expressly disclaims all warranties of any kind, either implied or express, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, warranties that any part of the Site or service will be uninterrupted, error-free, virus-free timely, secure, accurate, reliable or of any quality, and that any content is safe in any manner for download. Some jurisdictions may not allow disclaimers of implied warranties, and certain statements in this disclaimer may not apply to you.

    Limitation of Liability


    You expressly understand and agree that SNL Knowledge Center is not liable for any direct, indirect, special, incidental, consequential exemplary or similar damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible loss (even if its been advised of the possibility of such damages), resulting from or arising out of (I) the use of the inability to use the service, (II) unauthorized access to or alteration of your data transmissions, or (III) any other matter relation to the service. In some jurisdictions, this limitation of liability may not apply to you...

    Governing Law


    These Terms and any dispute arising out of your use of the Site is governed by and construed in accordance with the laws of the State of Virginia applicable to contracts made and performed wholly within that State. By using this Site and service, you hereby irrevocably submit to the personal and exclusive jurisdiction of the federal and state courts located within the county of Albemarle, Virginia with respect to any dispute arising under the Terms.

    General Provisions


    Nothing in these Terms may be deemed to create an agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship or similar relationship of any kind between SNL Knowledge Center and any user or other person or entity, nor do these Terms extend rights to any third party. The failure of either party to assert any right under these Terms will not be considered a waiver of that party's right, which will remain in full force and effect. You agree that (regardless of any statute to the contrary) any cause of action arising out your use of this web site must be filed within one year after the cause of action arose or it will be forever barred. These Terms, including the Privacy Policy, constitute the entire agreement and supersede all other agreements (oral or written) between you and SNL Knowledge Center regarding your use of the Site. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect. You may not assign your rights under this Terms without SNL Knowledge Center's prior written consent; SNL Knowledge Center may assign these Terms and transfer any of its rights or obligations at any time for any reason (including a transfer of any personal or other information you may have provided to us as part our transfer of assets associated with that information).

    Report of Unauthorized Use


    Please report any violations of the Terms to us at info@snlcenter.com. We reserve the right to report any unauthorized use of the Site to the appropriate authorities.

    Modifications


    SNL Knowledge Center reserves the right, in its sole discretion, to modify the Terms at any time. Any modifications will be effective immediately upon posting on the Site. If you continue to use the Site after we post modified Terms, this indicates you agree to the modified Terms. SNL Knowledge Center reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, any part or all of the Site. SNL Knowledge Center shall not be liable to any user or other third party for any such modification, suspension or discontinuance of the Site or its services, except as expressly provided in these Terms.

     

    Usage of this product is governed by the Master Subscription Agreement.  

    Privacy Policy


    SNL Knowledge Center is committed to maintaining your trust and protecting any personal information you share in connection with your use of this Web site, (the "Site"). This document explains our use of your personal information. We may update this Privacy Policy from time to time, in which case we will post the modified policy on our Site. Your use of the Site, submission of information to SNL Knowledge Center or continued use of the Site after we have posted any modifications indicates that you agree to the terms of this Privacy Policy.

    What information does SNL Knowledge Center collect?


    SNL Knowledge Center collects personal information (such as your name, address, e-mail address, phone number, and credit card number) at certain points on our Site. For example, we collect personal information when you purchase or register for courses or contact us to request information.

    From time to time, SNL Knowledge Center may track certain non-personal information of visitors to our Site, including IP address, browser type, operating system, referring URL and time spent on the Site.

    What does SNL Knowledge Center do with my personal information?


    SNL Knowledge Center uses your personal information to improve your experience on the Site and with our educational offerings, as well as to communicate with you regarding SNL Knowledge Center products and services. SNL Knowledge Center may, at times, share your information with our third-party education and technology partners for operational reasons (for example, credit card processing), or with our affiliate, SNL Financial LC or disclose it in special circumstances if we have a good-faith belief that it is necessary to protect the safety of anyone or that such disclosure is required by law. SNL Knowledge Center allows visitors the option of opting out of receiving e-mail from SNL Knowledge Center and its affiliates at any time by sending an e-mail to info@snlcenter.com.

    SNL Knowledge Center may use aggregate non-personal data for several purposes including, but not limited to, analyzing traffic on the Site, enhancing SNL Knowledge Center services and Site maintenance and creating marketing profiles

    Cookies


    A cookie is a small text file that is stored on a user's computer for record-keeping purposes. SNL Knowledge Center may use cookies in order to provide you with a tailored experience and facilitate your use of the Site. A visitor may block or delete our cookies from their hard drive. However, by disabling cookies, certain Site features and functionality may no longer work properly.

    Links


    This Site contains links to other Web sites. SNL Knowledge Center is not responsible for the privacy practices or the content of these non-SNL Knowledge Center Web sites.

    Information Transfer and Location


    If you are located outside of the United States, please be aware that our servers are located in the United States. Therefore, any information you provide to us will be transferred to the United States. By visiting our Site or providing personal information, you consent to this transfer and to the collection, storage and use of this information in the United States. In addition, our education and technology service providers may or may not be located in the United States.

    As with any information transmitted over the Internet, the security of a data transmission to and from SNL Knowledge Center cannot be guaranteed. However, SNL Knowledge Center has security measures in place to help prevent the loss, misuse or unauthorized alteration of information from our customers.

    Contact Us


    If you have questions or concerns about these Terms or the Site, please contact SNL Knowledge Center at info@snlcenter.com or at the address/phone below:

    SNL Knowledge Center
    One SNL Plaza
    Charlottesville, VA 22902
    Phone: (434) 951-7786