Greenwich Associates' principal goal is to consistently provide members of the Greenwich Exchange with comprehensive, high quality primary research on the professional financial services industry. Though certain features and content on the Greenwich.com website are open to the general public, the vast majority of the value provided to members resides in a password-protected area. Terms of Use If you recently participated in a Greenwich Associates' research study, click here for the Research Partner User Agreement. If you are employed by a financial service firm that has engaged Greenwich Associates' research-based consulting services or purchased a research report from Greenwich Associates, click here for the Client User Agreement. For all other site users, click here for the User Agreement for Other Registered Users. Privacy Policy To fulfill its mission, Greenwich Associates recognizes its responsibility to maintain its members' rights to privacy and has established this Privacy Policy. Collection and Use of Information Each year, Greenwich Associates systematically conducts research in more than 80 countries, interviewing up to 40,000 key decision-makers. The information provided by those interviewed (Research Partners) is the core element of Greenwich Associates' research-based consulting business. The research is designed to help financial services providers meet their customers' needs and provide Research Partners with an extensive resource on industry trends and best practices. While Greenwich Associates' core information collection is primarily done off-line, the firm also gathers information about Research Partners and Clients via our website. The information collected by Greenwich Associates is typically presented in an aggregated form. The firm does not reveal any attributed information, unless it secures permission from the provider in advance of doing so. Greenwich Associates may publish top level information such as rankings generated from these annual surveys. For additional information about Greenwich Associates' rankings, click here. To best serve the Greenwich Exchange member base, Greenwich Associates uses member information for several activities: To direct editorial content and other features to members who have a strong interest in a particular area of finance. To provide our editors and program developers with information that can assist in developing new tools, features, and services to support Greenwich Exchange members. To assess usage and specific features or services on the site. To provide members with updates and notices regarding new articles and features that may interest them. Members may choose whether or not they wish to receive such alerts. To solicit user feedback from members or perform market research to generate analysis on important industry trends and to assess user satisfaction or other needs and interests of members. To provide special services targeted to specific member groups, based on demographics or other aggregate data. To facilitate communications with members. Greenwich Associates is the sole owner of all the information it collects on the Greenwich.com website. Registration There are two types of registered users on the Greenwich.com website: members and non-members. A member is an individual who has either participated in a Greenwich Associates' research study (and is now a member of the Greenwich Exchange,) or is an employee of a financial-services provider who has engaged Greenwich Associates research-based consulting services (a Client). Contact information for members is gathered off-line in Greenwich Associates' proprietary research process. During their initial visit to the Greenwich.com website, members are asked to review their contact information and notify us of any changes by sending an e-mail to customer support at Contact Us. In addition to members' contact information, Greenwich Associates requests that first-time users provide additional information about their job functions and information needs. This additional information is used to assist Greenwich Associates in identifying and meeting members' needs. Non-member registered users are also asked to provide their contact information which helps Greenwich Associates determine membership eligibility and potentially serve new markets. Governing Law Those who choose to access this site do so on their own initiative and are responsible for compliance with all applicable laws and regulations. These terms of use will be construed in accordance with the laws of the state of Connecticut, United States, without regard to its conflict of law provisions. About The Use of Cookies "Cookies" are text files stored on the user's hard drive containing information about the user. Greenwich Associates' site will use cookies to store the encrypted user ID and password. This will facilitate access to the member sections of the website without re-entering the user ID and password. Some companies have policies preventing the usage of cookies often to prevent information from being stored on the user's hard drive. If cookies are not permitted, the user must sign on each time the site is visited. Links This website may contain links to other websites. Please note that when you click on one of these links, you are clicking to another website. We encourage you to read the privacy statements of these linked sites, as their privacy policies may differ from ours. Log Files Greenwich Associates collects certain limited information about each user as the user navigates through the site. These so-called "log files" are for use only in the "click stream," i.e., for system management and to track generic user behavior. The information will be used from time-to-time to better understand the needs of Research Partners and to identify demographic trends. Security This website takes every precaution to protect its users' information. Sensitive information submitted via the website is protected both online and off-line. When using our registration form, the information provided will be protected with the best encryption software in the industry - SSL. While on a secure page, the lock icon on the bottom of web browsers such as Microsoft Internet Explorer becomes locked, as opposed to unlocked, or open, when you are just surfing. While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user information off-line. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our membership management analyst or a customer service representative) are granted access to personally-identifiable information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every quarter, and any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our Client and Research Partner information is protected. Finally, the computers that contain personally identifiable information are kept in a secure environment. If you have any questions about our website security, you can send an e-mail to Contact Us. Opt-Out If you no longer wish to receive special e-mail announcements, please email us at Contact Us. Greenwich Associates may from time to time revise or update this Privacy Policy. When a change to this Privacy Policy is made, a notice will be posted on our website home page directing you to this page for further information. Since this Privacy Policy governs your use of the Greenwich Associates' website and our use of information you provide, you should periodically visit this page by clicking the Privacy Policy hyperlink at the bottom of the website pages. Questions Please feel free to make a comment or ask any question regarding our Privacy Policy by e-mailing Contact Us. Top Research Partner User Agreement Membership Eligibility For 40 years, Greenwich Associates has conducted research on the institutional financial services industry. Over this period, the firm has built an extensive proprietary contact database, which contains information on many of the most important financial professionals around the globe. To be included in Greenwich Associates' database, an individual must be a key decision-maker with responsibility for handing some or all aspects of their company's or institution's financial matters. Greenwich Associates reserves the right to decide who is invited to become a member of the Greenwich Exchange. Each year, Greenwich Associates invites key decision-makers to participate in its research studies. In return for their participation in one or more studies, these individuals become members of the Greenwich Exchange. A Research Partner community membership lasts for up to 12 months and can be renewed by simply participating in another of Greenwich Associates' annual research studies during the membership period. Membership in the Greenwich Exchange resides with the individual. Each individual member receives their own personal user ID and password. Should a member move from one employer to another, their membership would not be affected. However, Greenwich Associates cannot guarantee that it will maintain the individual's membership status beyond the 12-month membership period. Research Partners' Use of Greenwich Associates' Information and Research Greenwich Associates encourages Greenwich Exchange members to leverage the information provided in the course of their business decision-making processes. No advertising, promotional or other commercial use can be made of any name, mark or logo of Greenwich Associates, including but not limited to Greenwich AssociatesSM, Greenwich Quality IndexSM, and Greenwich Excellence AwardSM, or any information presented on this website, without the express prior written consent of Greenwich Associates and pursuant to a written license agreement. In addition, members of the Greenwich Exchange are prohibited from reselling, releasing into the public domain (including, but not limited to traditional and new media outlets, message boards, or chat rooms), or distributing Greenwich Associates' proprietary research or rankings without securing express written permission in advance from Greenwich Associates. To obtain such permission please e-mail us at Contact Us or call +1 203.625.5038. Greenwich Associates' research-based consulting business reaches into many of the same organizations that also employ members of the Greenwich Exchange. To preserve Greenwich Associates' copyright in its research, it requests that Research Partners limit the "inter-company" distribution of Greenwich Associates' information to their immediate operating unit or department. Should a need arise to distribute or broadcast Greenwich Associates' information more widely, Greenwich Associates reserves the right to review and possibly restrict the distribution. Top Client User Agreement Greenwich Associates' consulting with clients is based on research that is proprietary to Greenwich Associates. Greenwich Associates reserves all property rights, including common law copyright, in the research, which is strictly confidential. Clients agree to take all necessary precautions to protect the property rights of Greenwich Associates in the research by maintaining its confidentiality. All information on the Greenwich.com web site is confidential and for Clients' internal use only. No advertising, promotional or other commercial use can be made of any name, mark or logo of Greenwich Associates, including but not limited to Greenwich AssociatesSM, Greenwich Quality IndexSM, and Greenwich Excellence AwardSM, or any information presented on this website, without the express prior written consent of Greenwich Associates and pursuant to a written license agreement. In addition, clients are prohibited from reselling, releasing into the public domain (including, but not limited to traditional and new media outlets, message boards, or chat rooms), or granting third parties access to Greenwich Associates' proprietary research or its rankings or awards without securing express written permission in advance from Greenwich Associates. To obtain such permission please e-mail us at Contact Us or call +1 203.625.5038. Individuals who are found to be in violation of this user agreement risk losing their membership privileges. Top User Agreement for Other Registered Users Greenwich Associates provides limited access to its Greenwich.com website to individuals who are interested in learning more about its proprietary research on institutional financial services. Non-member registered users also have limited access to the full text of Greenwich Associates' research reports. Greenwich Associates is the sole owner of all information presented on the Greenwich.com website. No advertising, promotional or other commercial use can be made of any name, mark or logo of Greenwich Associates, including but not limited to Greenwich AssociatesSM, Greenwich Quality IndexSM, and Greenwich Excellence AwardSM, or any information presented on this website, without the express prior written consent of Greenwich Associates and pursuant to a written license agreement. In addition, users of Greenwich.com are prohibited from reselling, releasing into the public domain (including, but not limited to traditional and new media outlets, message boards, or chat rooms), or distributing Greenwich Associates' information without securing express written permission in advance from Greenwich Associates. To obtain such permission please e-mail us at Contact Us or call +1 203.625.5038. Top Safe Harbor Policy Greenwich Associates adheres to the U.S. Safe Harbor Privacy Principals of Notice, Choice, Onward Transfer, Security, Data Integrity, Access and Enforcement, and is registered with the U.S. Department of Commerce's Safe Harbor Program. Greenwich Associates regularly reviews its compliance with this Privacy Policy. Please direct any questions or concerns with regards to this Privacy Policy and/or Greenwich Associates' treatment of personal information by contacting us via email Contact Us or in writing us at: Privacy Matters c/o Greenwich Associates 6 High Ridge Park Stamford, Connecticut 06905-1327 USA When we receive formal written complaints, it is Greenwich Associates' policy to contact the complainant regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between Greenwich Associates and an individual. If we are unable to resolve the issue to the satisfaction of the individual concerned, we agree to mediate the issue through either the Judicial Arbitration & Mediation Service (JAMS), or the American Arbitration Association (AAA).