Welcome to http://www.africaniof.org/ (the “Website”) brought to you by AFRICAN INSTITUTE OF FINANCE (“AFRICAN INSTITUTE OF FINANCE”, “Us”, “We” or “Our”).
AFRICAN INSTITUTE OF FINANCE offers a platform to Users where they can freely benefit from information, research, news, webinars, training, networking services.
1. ABOUT US
1.1 The Website is owned and operated by AFRICAN INSTITUTE OF FINANCE, a non-profit Association.
1.2 If You would like to make a complaint about anything contained on the Website, please contact by email at email@example.com.
1.3 The website is hosted by Satoripop located at Sousse in Tunisia which number phone is +216 73 210 332.
2.3 We may also modify or remove any content provided on the Website and restrict access to any part of the Website at any time, at our sole discretion and with no prior notice.
Access to and registration on the Website is currently free of charge. We may stop offering the Website free of charge at any time, but we will inform You Website if we decide to make a charge on any of our services and give You a reasonable length of time to terminate Your registration if You wish to do so.
4. ACCESS TO THE WEBSITE
4.1 Access to our Website is permitted on a temporary basis and we reserve the right to withdraw or amend the Website (and any services made available through it) at any time without notice.
4.3 AFRICAN INSTITUTE OF FINANCE takes reasonable measures to ensure that the Website is accessible 24 hours a day, seven days a week. We reserve the right, at our discretion, to take necessary technological, maintenance or security measures that may affect the accessibility of the Website, including shut down of the Website.
4.5 You must be at least 18 years old to use and register on the Website and by registering You are confirming that You are at least 18 years’ old.
4.6 You agree that (a) all personal information You provide is truthful and accurate; and (b) You will maintain the accuracy of such information.
4.7 You also agree that You are authorized by Your employer to disclose this personal information to Us, and notably Your position in Your company.
5. USE OF THE WEBSITE
5.1 You must not use the Website in any improper or unlawful manner or in breach of any legislation or licence that applies to You.
5.2 Without limiting the foregoing, You agree that when using the Website You will not:
(a) distribute via any medium any part of the Website without our prior written consent;
(g) impersonate others;
(h) promote any activity that is illegal;
(i) use software to harvest information from the Website; or
(j) attempt to solicit funds, advertisers or sponsors.
5.3 You agree to comply with all reasonable instructions that we may give You regarding Your use of the Website.
5.4 You are responsible for obtaining (at Your own cost) all necessary equipment and telecommunications services required to access the Website. You are also responsible for ensuring that no person uses Your equipment to access the Website without Your permission. We will be entitled to assume that anyone who accesses the Website using Your equipment has Your permission to do so and You will be responsible for any charges, costs or liabilities that may be incurred by any such persons.
5.5 If we are informed or if we suspect that any material on the Website infringes the intellectual property or other proprietary rights of any third person or is otherwise unlawful, then we reserve the right to remove such material from the Website. We also reserve the right to remove any material that we consider to be offensive, insulting, defamatory, obscene, indecent, objectionable or otherwise inappropriate.
5.6 If You have any concerns or queries about material which appears on our Website (including if You believe that any content displayed on the Website has violated Your Intellectual Property Rights) please email us at: firstname.lastname@example.org.
6. OTHER SITES
6.1 Our Website may contain links to other websites that are owned by us and/or links to third party websites that are not under our control. We make no warranties or representations whatsoever about any other websites which You may access through this Website or any services that are provided by any such third party websites. Third party websites are in no way approved, vetted, checked or endorsed by us and You agree that we shall not be responsible or in any way liable for the content, accuracy, compliance with relevant laws or accessibility of any information, data, advice or statements or for the quality of any products or services available on such sites. Links do not necessarily imply that we are or our Website is affiliated to or associated with such third party sites.
6.2 If You decide to visit any other website, You do so at Your own risk. In addition, use of any other website may be subject to Your acceptance of additional terms and conditions, which we suggest You read carefully before proceeding.
7. INTELLECTUAL PROPERTY
(a) “Intellectual Property Rights” means protected works, software, music works, patents, registered and unregistered trademarks and service marks, domain names, software, registered designs and design rights, copyright (including such rights in computer software and databases), database rights and moral rights (in each case for the full period thereof and extensions,
(b) harass other Users or disclose personal information about other Users that could amount to harassment;
(c) publish, post, upload, store, distribute or disseminate any unlawful, defamatory, infringing, obscene, pornographic, harmful, confidential, libellous, hateful, racist, threatening or otherwise illegal or offensive material or information or anything which might constitute a criminal or civil offence;
(d) upload files that contain software or other material which are the intellectual property rights of AFRICAN INSTITUTE OF FINANCE or any third party or which are protected by rights of privacy or publicity of any third party without having received all necessary consents;
(e) upload files that contain viruses, corrupted files, or any other software or programs that may interfere with or damage the operation of the Website or any other computer;
(f) create multiple logins;
revivals and renewals thereof), applications for the foregoing and the right to apply for any of the foregoing anywhere in the world, and all similar rights anywhere in the world including those subsisting in inventions, designs, drawings and computer programs.
7.2 Intellectual Property Rights in and to the Website and all contents, materials and information contained in or appearing on the Website are owned by and shall remain owned by Us or our licensors.
7.3 You may view, download and print any contents, materials and information made available to You through the Website subject to the following conditions:
(a) the contents, materials and information may only be used for Your personal and non-commercial purposes;
(c) unless in situations expressly limited by law, the contents, materials and information may not be modified, decompiled, reverse engineered, disassembled or altered in any way;
(e) You may not remove any copyright or other proprietary notices contained in the content, material or information.
7.4 You agree that you are authorized by Your company and/or Your employer to provide us with the tradename/trademark of Your company and the logo of Your company. We are granted by You a free and non-exclusive license to use the logo on the Website and any other means of communication, for the duration of use and registration on the Website, and on a worldwide basis.
8. LIMITATION OF LIABILITY
8.2 Subject to clause 8.1 and to the maximum extent permitted by applicable law, You agree that we shall not be liable for: (a) any indirect loss, claim or damage, or any punitive, special, incidental or consequential damages of any kind (including but not limited to lost savings or loss or corruption of data); or (b) any loss of profit (whether direct or indirect), in each case whether based in contract, tort (including negligence), strict liability, or otherwise, which arises out of or is in any way connected with (i) any use of this Website or its contents which are entered via the Website; (ii) any failure or delay in the use of any component of the Website or any service including, without limitation, any unavailability of the Website or the services irrespective of duration of any period of unavailability; or (iii) any use of or reliance upon any information, material, software, products, services and related graphics obtained through the Website, in all cases even if we have been forewarned of the possibility of such loss or damage.
8.3 Due to the inherent risks of using the internet, We cannot be liable for any damage to, or viruses that may infect Your computer equipment or any other property when You are using or browsing the Website. The downloading or other acquisition of any materials or information through the Website is done at Your own discretion and risk and with Your consent that You will be solely responsible for any damage to Your computer system or loss of data that results from the downloading or acquisition of any such materials.
8.5 We will notify You of any such claims or proceedings and keep You informed as to the progress of such claims or proceedings.
9.1 We may remove the Website or cease the provision of any services on the Website at any time in our sole discretion for any reason whatsoever. You will be informed of such operations in a reasonable time period.
10. DATA PROTECTION AND PRIVACY
10.1 The information we collect from you
To give you the best experience on this Website, AFRICAN INSTITUTE OF FINANCE may collect personal information from You. The information we collect includes but is not limited to:
(a) information that you provide us
(b) information about your usage of the Website, including but not limited to your IP address (an IP address is a numeric address that is assigned to your computer by your Internet Service Provider and can be used to identify your computer when you log on), browser type, screen resolution, length of visit, number of page views and generally tracking your movements around the Website. We may use an analytics service provider for website traffic analysis to collect this information. This information may also be collected by cookies that are installed by the Website. Please see the section on cookies below for more information.
(c) information about you from e-mails or letters that you send to us, including personal information that you voluntarily submit to us via e-mail when contacting customer services.
(d) other aggregated information collected passively by AFRICAN INSTITUTE OF FINANCE in the form of logs (files that record website activity, including but not limited to how many “hits” a particular web page is getting, sometimes referred to as “click-through data”) which are generated anonymously; and
(e) any other information which you may voluntarily provide to us.
10.2 How we use your information
AFRICAN INSTITUTE OF FINANCE takes your privacy seriously, and takes every reasonable precaution to safeguard the personal information You supply to Us. We will only use any information that we collect from you in accordance with these Terms
of Use and in compliance with European Data Protection Regulation. Without limiting the generality of the following we will use the information we collect from you:
(a) in order to register You as a user of this Website and/or to provide services to You;
(b) to help us understand User’s trends and patterns and to ensure that content on our Website is presented in the most effective way (including but not limited to assessing overall site activity, tracking interest in particular portions of the Website, identifying the type of browser You are using, assessing any troubleshoot technical concerns and generally administering, improving and developing our Website);
(c) to provide You with our email notifications, newsletters and other marketing communications that either You request from Us or which you consent to by opting in when completing a registration form on the Website. You may opt out from receiving such marketing communications from us at any time by notifying us in writing at the address above, contacting us at email@example.com or, alternatively, by following the procedure to ‘unsubscribe’ that is specified in the marketing communication that you receive;
(d) to respond to any queries You may have including but not limited to any emails or letters You send to customer service. This information is used by AFRICAN INSTITUTE OF FINANCE for the sole purpose of responding to Your question. Although most e-mail messages are deleted immediately after they are responded to, in certain cases hard copies or data from certain e-mail correspondence may be kept on file for security purposes. Any such copy or data will be stored in a secure location, and information from these messages will not be used for marketing purposes; and
(e) to register the termination of the access to the Website; and
(f) for our internal marketing and demographic studies, so we can constantly improve services that we provide. Your data, together with that of other users of this Website, may be aggregated (e.g. by postcode or age) for the purpose of building statistical and analytical reports. At no time will Your data be individually identifiable in such reports.
10.3 What happens if You choose not to give Your personal information?
You are free to simply browse the Website without registering your personal details. However, by using the Website in this way You expressly consent to Us collecting certain information about Your computer and to Our use of this information, including but not limited to Your IP address, operating system and browser type.
Without limiting the generality of the foregoing this information is used to report aggregate information to third parties including advertisers, business partners and sponsors and for other system administration purposes. This is statistical data about our users' browsing actions and patterns and does not personally identify any individual. For the same reason, We may also obtain information about Your general internet usage by using a cookie file (as described below) to the extent that You have expressly agreed to the use of this cookie file. You are also informed that You may decide to subsequently oppose to such use by sending an email to: firstname.lastname@example.org or by setting Your website browser to refuse all cookies.
When You visit the Website, subject to Your express consent, we may send “cookies” to Your computer primarily to enhance Your on-line experience. “Cookies” are small files or record-keeping devices that websites often store on a user’s computer in order to identify them as a unique customer and store personal preferences as well as technical information. Cookies allow us to monitor Website traffic, improve the Website’s usability and to personalise the content of the Website for You.
10.5 Information sharing
The information that You disclose while visiting the Website will be collected and processed by Us or by a data processor. Your personal information shall be automatically collected by and stored on secure servers owned and operated by third party data processor appointed on our behalf.
Unfortunately, the transmission of information via the Internet is not completely secure. Although We will do our best to protect Your information, We cannot guarantee the security of Your data transmitted to this Website; any transmission is at Your own risk. Once We have received Your information, We will use strict procedures and security features to try to prevent unauthorised access to that information. Where We have given you (or where you have chosen) a password that enables You to access certain parts of this Website, You are responsible for keeping this password confidential. You must not share a password with anyone.
We will not disclose Your personal information to any outside organisation who wants to market goods or services to You without first obtaining Your express consent. If You provide such consent but subsequently decide that You no longer wish Us to make such disclosures to other organisations for this purpose, then You can simply e-mail Us at email@example.com. We will edit Your information for You accordingly.
10.6 Links, advertisers, third party sponsors & Ad-servers
Occasionally, the Website may contain links to other websites where information practices may be different to Ours. For example, if You “click” on a banner advertisement, the “click” may take you off this Website. This includes links from advertisers, channel sponsors and partners that may use our logos as part of a co-
branding agreement. You should consult these third party websites’ privacy notices and terms and conditions as We are not responsible for and have no control over and accept no liability for information that is submitted to, or collected by, these third parties.
Although absolute security cannot be guaranteed on the Internet, please be assured that We take reasonable steps in line with legal and technical developments to guard against the loss, misuse and alteration of the information under AFRICAN INSTITUTE OF FINANCE's control. We will continue to maintain and improve these measures over time. Personal information collected by AFRICAN INSTITUTE OF FINANCE and potential third party data processors appointed on Our behalf is stored in secure operating environments that are designed so as not to be available to the public.
10.8 Access to your information
You may contact us at any time by e-mail at firstname.lastname@example.org and request to see the personal information We have collected through this Website, which relates to You, and to ask Us to make any necessary changes to correct or update Your information. To protect Your privacy and security, We will take reasonable steps to verify Your identity before granting access.
10.9 Opting out
You may at any time de-register from the Website and have Your personal information, removed from the AFRICAN INSTITUTE OF FINANCE’s database by, emailing at email@example.com. We will then remove Your personal data from our database and inform You once this has been done.
10.10 Questions and complaints
If You have any questions or complaints either relating to this section, You may e-mail Us to firstname.lastname@example.org.
11.7 In case of complaints possibly made by a European User, who has not found an amicable solution with AFRICAN INSTITUTE OF FINANCE, User may use the European platform for the settlement of law disputes of the accessible consumption.
11.8 In case of failure of this mediation process or if User wishes to take jurisdiction, the rules of the REGULATION (EU) No 1215/2012 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 12 December 2012 on jurisdiction and the recognition and enforcement of judgments in civil and commercial matters, shall apply.
Last updated: January 31st, 2017