Financial Risk Hub
By visiting, accessing and using (“Using”) our Website, you indicate that you accept these Terms and that you agree to abide by them. If you are using our Website on behalf of a company, business, firm or other organisation (“Organisation”), the by using our Website you are also indicating that you accept these Terms and agree to abide by them on behalf of your Organisation (and hereafter references to “you” will be deemed to include your Organisation). You also confirm that you are at least eighteen (18) years old.
If you do not agree to these Terms, please refrain from using our Website.
1. Information about us
Our Website is owned and operated by Financial Risk Hub whose office address is 37th floor, 1 Canada Square, Canary Wharf, London E14 5DY, United Kingdom (“we”, “our”, “us”).
2. Our services
Our Website provides a training resource for market risk solutions in financial institutions.
3. Access and registration
3.1 Our Website allows our registered students to access course materials including, but not limited to, Excel spreadsheets, PowerPoint slides and course videos. Certain pages of our Website (such as the home page, curriculum page and FAQs) are public facing and do not require a login. However, in order to access the course materials, students are required to register and, if we approve such registration, will be required to log in to the restricted areas of our Website with a username and password of their choosing.
3.2 Our Website offers training courses but, for the avoidance of doubt:
3.2.1 we are not a recruiting or employment agency;
3.2.2 we do not guarantee any jobs will be available, offered or given to our students after completion by them of one or more of our training courses; and
3.2.3 we make no representation, warranty, guarantee or recommendation of the appropriateness, suitability or relevance of our training courses for you or any other third parties whatsoever.
3.3 We reserve the right to change, alter, amend or remove any of our training courses, or any part of them, at any time without prior notice.
3.4 As we have no control over user conduct, we shall not be responsible for, or have any liability whatsoever as a result of, user conduct during in-class sessions.
3.5 Access to our Website is permitted on a temporary basis. In addition to our rights under clause 3.3 above, we reserve the right to withdraw or amend the services we provide on our Website without notice (see below).
3.6 We will not be liable to you or any other party whatsoever if for any reason our Website is unavailable at any time or for any period for any reason whatsoever.
3.7 From time to time, we may restrict access to some or all parts of our Website to users who have registered with us. If you register with us, the information you provide on the registration form (“Registration Data”) must be true, accurate, current, complete and up to date. You are responsible for maintaining your Registration Data to ensure that it remains true, accurate, current, complete and up to date at all times.
3.8 In order to use our services and access parts of our Website we may provide you with a user identification code, password or any other piece of information as part of our security procedures. You must treat such information as strictly confidential, and you must not disclose, make available or allow it to come into the possession, control or be known by any third party whatsoever. We have the right to disable or suspend any user identification code or password, whether chosen by you or allocated by us, at any time if, in our absolute opinion, you have failed to comply with any of the provisions of these Terms.
3.9 You are responsible for making any and all arrangements necessary or required for you to have access to our Website. You are also responsible for ensuring that any and all persons who access our Website through your Internet connection are aware of these Terms, and that they comply with them.
3.10 Registered users shall be provided with login information by us to allow them to access course and certain other materials. Under no circumstances whatsoever may you, if you are a registered user:
3.10.1 provide, supply, tell or make available your login information to any other person whatsoever; or
3.10.2 share, show, distribute, sell, rent, lease or make available any of the course materials provided by us to you on the Website (“Materials”).
4. Our certificate
4.1 If you take our full course and pass all tests/assessments, homework and project, then you will be given a Certificate in Finance Business Analysis (FinBA) by us.
4.2 Once you receive a FinBA certificate, you shall be entitled to add it after your name on business cards, resumes and other similar forms of documentation to confirm such designation (for example, ‘John Doe, BSc, FinBA’).
4.3 “FinBA” will be a registered trademark which belongs to us (“Trademark”). We hereby grant you a royalty-free, non-exclusive licence to use the Trademark strictly in accordance with these Terms Use of the Trademark by you shall be strictly in accordance with any guidelines which we may determine from time to time and which are available for your reference on the Website.
4.4 The aim and purpose of the optional FinBA designation is to show that the holder has acquired all of the required knowledge, education, expertise and mastery of finance/risk analytics solution implementation, and that the holder can apply that to an employment role.
4.5 The on-going maintenance requirement for the FinBA designation shall be satisfied by the continuous employment by you in the Risk or Capital Markets. You shall lose your FinBA designation status if you have not been employed in Risk or Capital Markets for a continuous period of longer of eighteen (18) months or more. You shall automatically cease to be a holder of FinBA qualification in the event that this maintenance requirement is not met by you and acceptable written evidence of the same is not provided to us.
4.6 In the event that your FinBA designation ceases in accordance with clause 4.5 above, then you shall no longer be allowed to use the FinBA designation and the licence to do so under these Terms shall cease without notice and immediately be revoked.
4.7 In the event that your FinBA designation ceases in accordance with clause 4.5 above, you can regain the FinBA designation at any time by either:
4.7.1 paying for and successfully retaking our full course; or
4.7.2 gaining employment in Finance/Risk and maintaining that employment for at least eighteen (18) months and providing us with acceptable documentary evidence thereof.
5. Changes we make to our Website
5.1 We aim to update our Website as necessary on a regular basis, and may change the information, material and/or content (“Content”) on our Website at any time. If the need arises then we may, at our absolute discretion, suspend or restrict access to our Website, or take it down indefinitely.
5.2 Despite our efforts, some or all of the Content may be out of date at any given time, and we are under no obligation whatsoever to you or any other party to update such material.
6. Reliance on information posted
Commentary, opinions, posts, comments, Content and other materials (“Materials”) posted on our website are not intended to amount to any form of advice whatsoever and, as such, no reliance should be placed on them. We hereby disclaim any and all liability and responsibility whatsoever and howsoever arising from any reliance placed on such Materials by any you or any other visitor to our Website, or by anyone who may be informed of any of its contents.
7. Our intellectual property rights and your licence to use our Website
7.1 Except as set out in these Terms, we are the owner or the licensee of all intellectual property rights (including, but not limited to, copyright, trademarks, patents, service marks, trade names, rights in know-how, database rights, design rights and other intellectual property rights or equivalent forms of protection, of whatever nature arising anywhere in the world, whether registered or unregistered and including applications for the grant of such rights (together, “Intellectual Property Rights”)) in and to:
7.1.1 our Website and our Services;
7.1.2 any necessary software used in connection with our website and our Services (the “Software”); and
7.1.3 all Content, the Materials and any other information on the Website which shall include, but not be limited to, text, images, charts, graphs and other materials, and specifically including charts, graphs, spreadsheets and other content generated from your Contributions (as defined below) (together, “Information”).
7.2 Except for the limited license granted to you under these Terms, we and our licensors expressly reserve any and all Intellectual Property Rights in and to our Website, our Services, the Software and the Information.
7.4 Your licence to use the Software is restricted to use of the object code of the Software, and it is a condition of such licence that, except to the extent expressly permitted under applicable law, you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. Additionally, you understand that you may have to agree to additional terms and conditions before you use such Software or any Content or Materials proprietary to a third party.
7.5 If you are a registered user, then the licence contained in clause 7.3 above shall extend to include the Materials subject to the payment of any sums due for you to us for access thereto and your compliance with these Terms.
7.6 Without prejudice to rest of this clause, you agree:
7.6.1 not to access the Website, the Services or the Materials by any means other than through the interfaces that we provide for use in accessing our Website and the Services; or
7.6.2 except as expressly authorised by us or relevant third parties, not to modify, rent, lease, loan, sell, distribute or create, or allow to be created, any derivative works based on the Website, our Services, the Software, the Materials or the Content, whether in whole or in part.
7.7 Subject to clause 7.8 below, you may print off one copy, and may download extracts, of any Content from our website (excluding course materials accessed by you if you are a registered student), for your personal reference and you may draw the attention of others within your organisation to Content posted on our website.
7.8 Under no circumstances may any videos be downloaded from the website. The download of videos is expressly forbidden.
7.9 You must not modify the paper or digital copies of any Materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of Materials must always be acknowledged.
7.10 Breach of this clause 7 will be deemed to be a material breach of these Terms. If we determine (in our sole discretion) that you have committed such a breach, your license under this clause 7 will immediately terminate and you must, at our option, return or destroy all copies of the Content you have made.
7.11 You agree that we may use, copy, duplicate, publish, display, show or make available any comments, reviews or testimonials which you send to, or post about, us in any form and on any media whatsoever which we, in our absolute opinion, decide.
8. Uploads and confidential information
8.1 You retain (and we claim no ownership of) any and all Intellectual Property Rights in and to any information, data, commentary or other materials (“Contributions”) which you upload to our Website. However, by uploading Contributions to our Website, you grant us a worldwide, non-exclusive, royalty-free, perpetual, sublicensable and transferable licence to use, copy, store, transmit, reproduce, process, modify, publish and prepare derivative works of the Contributions for the purposes of providing you (and your Organisation, if applicable) with our Services and for our product development, research and testing purposes.
8.2.1 is or becomes public (other than through a breach of these Terms by us);
8.2.2 was lawfully known by us before receiving it from you;
8.2.3 is received by us from a third party without knowledge of breach of any obligation owed to you;
8.2.4 is expressly authorised by you to be shared with, or disclosed to, third parties; or
8.2.5 was independently developed by us without reference to your information.
8.3 You also agree, acknowledge and understand that your Contributions (and our Content based on your Contributions) will be visible by any third party with whom you have shared such information.
8.4 You acknowledge that, when using our Website, you may receive or have access to material which is expressly marked (or provided with a similar designation) to be considered confidential or could reasonably be expected to be regarded as confidential. You will keep such information strictly confidential for an indefinite period and not disclose such information unless:
8.4.1 any use or disclosure of such information is expressly authorised in writing by us or required by applicable law; or
8.4.2 such information is already in, or comes into, the public domain otherwise than through your unauthorised disclosure.
8.5 Whenever you make use of a feature that allows you to upload material to our Website, or to make contact with other users of our Website, you must comply with the content standards set out below. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty in accordance with clause 13 below.
9. Additional services
Additional terms and conditions may apply to some part of our Website and/or specific Services. Where this is the case, you will always be given the opportunity to review and accept those terms before proceeding with access to our Website and/or the Services in question.
10. Content standards
10.1 The content standards set out in this clause 10 apply to any and all Contributions.
10.2 You must comply with the spirit of the following standards, as well as the letter of the wording. The standards set out apply to each and every part of any Contributions, as well as to its whole.
10.3 Contributions must:
10.3.1 be accurate, complete and correct (where they state facts);
10.3.2 be genuinely and honestly held (where they state opinions); and
10.3.3 comply with any and all applicable law in England and Wales and/or in any country from which they are posted.
10.4 Contributions must not, under any circumstances whatsoever:
10.4.1 contain any material which is defamatory of any person;
10.4.2 contain any material which is obscene, offensive, hateful or inflammatory;
10.4.3 promote sexually explicit material;
10.4.4 promote violence;
10.4.5 promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
10.4.6 infringe any Intellectual Property Right of any other person whatsoever;
10.4.7 be likely, or reasonably could be considered to, deceive any person;
10.4.8 be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence;
10.4.9 promote any illegal activity;
10.4.10 be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;
10.4.11 be likely to harass, upset, embarrass, alarm or annoy any other person;
10.4.12 be used to impersonate any person, or to misrepresent your identity or affiliation with any person;
10.4.13 give the impression that they emanate from us, if this is not the case; or
10.4.14 advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.
10.5 We will not be responsible, or liable in any way whatsoever to you or any third party, for the content or accuracy of your Contributions, and we have the right to remove or delete any Contributions you make, post or display on our Website if, in our absolute opinion, such Contributions do not comply with the content standards set out in this clause 10.
10.6 If you wish to make a complaint in relation to any of the Contributions posted on our Website, or if you believe that any Contributions posted infringe any Intellectual Property Right that you own or have rights to, please contact us immediately at email@example.com.
11. Deleting accounts
12. Our liability
12.1 Whilst we take every reasonable precaution and care in relation to our Website, the Content, the Materials and our Services, the same are provided, displayed, provided and/or made available without any representations, guarantees, conditions and/or warranties as to their accuracy, completeness or suitability for any purpose whatsoever. To the extent permitted by law, we expressly exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
12.2 We accept no liability under or in connection with these Terms (whether such liability arises in contract, tort (including, but not limited to, negligence) or otherwise) for any:
12.2.1 loss of income or revenue;
12.2.2 loss of business;
12.2.3 loss of profits or contracts;
12.2.4 loss of anticipated savings;
12.2.5 loss of data;
12.2.6 any costs or expenses (including, but no limited to, legal costs);
12.2.7 waste of management or office time,
12.2.8 or each of 12.2.1 to 12.2.7 above, whether directly or directly occurring); or
12.2.9 for any indirect or consequential loss or damage of any kind however arising.
12.3 To the extent permitted by applicable law, our total aggregate liability to you for any and all damages, losses or causes of action arising, by reason of or in connection with your use of (or inability to use) our Website and/or the Services, shall be limited to the amount of any fees paid by you to use our Services in the twelve (12) month period immediately prior to the date on which you made the claim.
12.4 The provisions of this clause 12 do not affect our liability for:
12.4.1 death or personal injury arising from our negligence;
12.4.2 fraud or fraudulent misrepresentation; or
12.4.3 any other liability which cannot be excluded or limited under applicable law.
13.1 You agree to indemnify and hold us and our subsidiaries and affiliates, and our and their officers, directors, agents, co-branders or other partners, and employees, harmless from any and all losses, damages, costs, claims, expenses (including, but not limited to, reasonable legal fees) whatsoever, sums agreed to in settlement and other liabilities, arising out of any claim, demand, allegation or proceeding brought by any third party due to or arising out of:
13.1.1 your use of the Website, our Services or the Software;
13.1.2 your breach of these Terms; or
13.1.3 your violation of any rights of another person or entity.
14. Information about you
15. Account access
In order to ensure that we are able to provide Services of the highest quality, and to make sure that we and our Services are responsive to our users’ needs, you agree that our employees may have access to your account, your Contributions and your records as reasonably needed to provide our Services and to investigate complaints.
16. Viruses, hacking and other offences
16.1 You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not in any way whatsoever, attempt or try to gain unauthorised access to our Website, the server on which our Website is stored or hosted, or any server, computer or database connected to our Website.
16.2 You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack.
16.3 By breaching the provisions of this clause 16, you agree and acknowledge that you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities immediately and without notice to you, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website and our Service shall cease immediately and without notice to you.
16.4 We will not be liable in any way whatsoever for any losses, costs, expenses, claims or damages caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any material posted on it, or on any website or app linked to it.
17. Linking to our Website
17.1 You may link to the any page of our Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it in any way whatsoever, but you must not establish a link in such a way as to suggest any form of association, representation, guarantee, approval or endorsement on our part where none has been given by us in writing beforehand.
17.2 You must not establish a link to our Website from any website or app that is not owned by you.
17.3 Our Website must not be framed on any other website or app, We reserve the right, at out absolute discretion and without notice to you, to withdraw linking permission set out in this clause 17.
17.4 Any website or app from which you link to our Website must comply in all respects with the content standards set out below.
17.5 If you wish to make any use of material on our Website other than that set out above, please address your request to firstname.lastname@example.org.
18. Links and third parties
18.1 Where our Website contains links to other websites, apps and/or resources provided by third parties, these links are provided for your information only. We have no control over the contents of those apps, websites or resources, and as such we accept no responsibility whatsoever for them, or for any losses, costs, expenses, claims or damages that may arise from your use of them in any way whatsoever.
18.2 We use a third-party payment processing provider to process payments made on our Website. By making such payments you agree to be bound by the payment processor’s terms of service, which you will be able to view prior to completing a transaction.
18.3 We reserve the right to change our payment processing provider at our absolute discretion, at any time and without notice to you other than as is required for you to be able to make continuing payments to us.
19. Prohibited uses
19.1 You may only use, access or visit our Website, and use our Services strictly for lawful purposes.
19.2 You may not use, access or visit our Website, or use our Services:
19.2.1 in any way that breaches any applicable local, national or international law or regulation;
19.2.2 in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
19.2.3 to send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards set out in these Terms;
19.2.4 to transmit, or procure the transmission of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (known as “spam”);
19.2.5 to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
19.3 You also hereby agree and acknowledge:
19.3.1 not to reproduce, duplicate, copy or re-sell any part of our Website, our Services, our Software or the Content other than strictly in accordance with these Terms;
19.3.2 not, without or prior written authority, access, interfere with, damage or disrupt:
19.3.3 any part of our Website, our Services, the Software or the Content;
19.3.4 any equipment or network on which our Website, our Services, the Software or the Content is stored; or
19.3.5 any equipment or network or software owned or used by any third party.
20. Interactive services
20.1 We may from time to time provide interactive services on our Website, including, without limitation, to allow users to share comments and company metrics with each other (“Interactive Services”).
20.2 Where we provide any Interactive Services, we will provide clear information to you about the kind of service offered.
20.3 Please note that we do not monitor or moderate interactive services we provide on our Website, and, except as required by applicable law, we expressly exclude our liability for any losses, damages, costs, claims, expenses (including, but not limited to, reasonable legal fees) whatsoever arising from the use of any Interactive Services by a user in contravention of our content standards, whether the service is moderated or not.
21. Termination and suspension
21.1 These Terms will remain in full force and effect until terminated under this clause 21. Any notice of termination of these Terms by you or us is subject to the notice periods in this clause 21.
21.2 If you are a registered user, we may terminate these Terms at any time without cause by giving you not less than thirty (30) days’ notice by way of email.
21.3 We will determine, in our absolute discretion, whether your use of or access to our Website and/or our Services has breached these Terms in any way whatsoever. When we deem such a breach to have occurred, we may take such action as we deem appropriate including, but not limited to:
21.3.1 immediate, temporary or permanent withdrawal of your right to use our Website, our Services, our Software and the Content;
21.3.2 immediate, temporary or permanent removal of any of your Contributions;
21.3.3 issuing a warning to you;
21.3.4 legal proceedings being taken against you including, but not limited to, for reimbursement of any and all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; or
21.3.5 disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
21.4 We exclude liability for actions taken in response to breaches of these Terms. The responses described above are not limited in any way, and we may take any other action we reasonably deem appropriate.
You may not assign any of your obligations under these Terms without our prior written consent. We may transfer, assign or subcontract the rights, interests or obligations under these Terms, at our sole discretion, without obtaining your consent.
23. Invalidity and non-waiver
23.1 In the event that any part of these Terms is declared to be invalid by an appropriate authority, such invalidation of such part of these Terms shall not invalidate the remaining parts thereof, and they shall remain in full force and effect.
23.2 Enforcement of these Terms is solely in our discretion, and failure to enforce the Terms in some instances does not constitute a waiver of our right to enforce them in other instances.
24. Jurisdiction and applicable law
24.1 These Terms, and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
24.2 The English courts will have exclusive jurisdiction over any claim arising from, or related to, these Terms and our Services.
We may make changes to these Terms from time to time by posting an updated version of these Terms on our Website without providing you with specific notice of such changes. By continuing to use our Website and/or our Services you are deemed to have accepted such changes. Some of the provisions contained in these Terms may also be superseded by provisions or notices published elsewhere on our Website.
26. While we will make every effort to deliver an event in our Expert Speaker Series, we reserve the right to change or cancel any event without notice.
2. None of our courses is a full theoretical or academic course. We are not a Computer Science, Quantitative Finance or Finance program. Our courses will not delve deep into the theoretical aspects of the topics covered. Our courses will not provide a deep understanding of the mechanics of market risk, Python or SQL.