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Terms & Conditions

Disclaimer

This General Disclaimer and Terms of Use (“Disclaimer”) govern the relationship between READ and the Users and others who interact with READ. By using or accessing the website (“READ Website), you agree to this Disclaimer, as updated from time to time without notice. If you do not agree to the terms of use as outlined here within, do not proceed to further web pages of the READ Website. By accessing this website ("READ Website") you agree to be legally bound by these terms of use ("Disclaimer"). Please also consult any applicable additional legal laws and regulations that might be applicable in your relevant country of residence, if you are outside the United States of America.

Access Subject to Local Restrictions

The READ Website and all information and functionalities contained within it are not directed at or intended for use by any person resident or located in any jurisdiction where (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction or (2) such distribution is prohibited without obtaining the necessary licenses or authorisations or authorisations have not been obtained.

Services and Products

The information provided, calculated and displayed on the READ Website are indicative estimates based on the READ risk methodology and algorithms and may differ substantially from the actual risk exposure of an individual User. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials, nor are they a complete statement of the securities, markets or developments referred to herein. The materials should not be regarded by recipients as a substitute for the exercise of their own judgement. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of READ as a result of using different assumptions and criteria. READ is not under any obligation to update or keep current the information contained herein. Any products and services displayed on the READ Website may not be eligible for sale or available to residents of certain countries or certain categories of Users. Any materials available on the READ Website have no regard to the specific investment objectives, financial situation or particular needs of any specific recipient. Any report available on the READ Website is published for information purposes only and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments.

No Offer

The information contained on the READ Website is just for informational purposes. No information published on the READ Website constitutes a solicitation, an offer, or a recommendation to buy or sell any investment instruments, to effect any transactions, or to conclude any legal act of any kind whatsoever. READ does not intend to provide investment, legal or tax advice through the READ Website and does not represent that any securities or services discussed are suitable for any User. When making a decision about your investments, you should seek the advice of a professional financial advisor.

Forward Looking Statements

The READ Website may contain statements that constitute "forward looking statements". While these forward looking statements may represent READ’ judgment and future expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from READ’ expectations. READ is under no obligation to (and expressly disclaims any such obligation to) update or alter its forward looking statements whether as a result of new information, future events, or otherwise.

No Warranty

The information and materials contained on the READ Website are provided "as is" and "as available". READ makes no representations or warranties of any kind, either express or implied, with respect to the information and functionality contained in the READ Website, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, READ does not warrant the accuracy, timeliness, completeness, reliability or availability of the READ Website or the information or results obtained from use of the READ Website, or that the READ Website is virus-free or error-free.

No Liability

To the fullest extent permitted by law, in no event shall READ or any of its directors, employees or agents have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of all or part of the READ Website, even if READ has been advised of the possibility of the same.

Links

The READ Website may contain third party content or links to third party websites. These content and links are provided solely for your convenience and information. READ has no control over, does not assume any responsibility for and does not make any warranties or representations as to, any third party content or websites, including but not limited to, the accuracy, subject matter, quality or timeliness. READ shall have no liability for third party content or websites or websites linking to or framing the READ Website.

Intellectual Property Rights

READ, or the applicable third party owner, retains all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) in all information and content (including all text, data, graphics and logos) on the READ Website. Individual pages and/or sections of the READ Website may be printed for personal or internal use only, and provided that such print outs retain all applicable copyright or other proprietary notices. All Users must not, without limitation, modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way for commercial or public purposes in whole or in part any information, text, graphics, images, video clips, directories, databases, listings or software obtained from the READ Website without the prior written permission of READ. Systematic retrieval of content from the READ Website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) or creating links to the READ Website without written permission from READ is prohibited. The symbol and READ are among the registered and unregistered trademarks of READ. Other marks may be trademarks of their respective owners. Except as noted above, you may not use any trademarks of READ for any purpose without the written permission of READ.

Electronic Communication (E-Mail)

The Internet is a universally accessible medium. Ordinary E-mail messages sent over the Internet are neither confidential nor secure. They may be viewed by third parties, lost, intercepted or altered. E-mails may circulate across national borders, even if both sender and recipient are located in the same country. You are therefore recommended to communicate with READ by using a secure channel if such channel is provided by READ. In no event should you use ordinary E-mail to transmit personal or confidential information such as any account related data. Unless explicitly stated otherwise, READ does not accept any orders or instructions sent by E-mail or any other electronic messaging system. READ shall not be liable to you or anybody else for any damages incurred in connection with any messages sent to READ using ordinary E-mail or any other electronic messaging system.

Severability Clause

To the extent that any provision of this Disclaimer is found by any competent court or authority to be invalid, unlawful or unenforceable in any jurisdiction, that provision shall be deemed not to be part of this Disclaimer but such finding shall not affect the validity, lawfulness or enforceability of the remainder of these Terms of Use in that jurisdiction, nor shall it affect the validity, lawfulness or enforceability of this Disclaimer in any other jurisdiction.

Privacy Notice

Privacy is important to READ and we respect yours. We want to earn your trust and treat your data with care. This privacy notice discloses the privacy practices for the READ webpage. This privacy notice applies solely to information collected by this Website. It will notify you of the following: 1) What personally identifiable information is collected from you through the Website, how it is used and with whom it may be shared. 2) What choices are available to you regarding the use of your data. 3) The security procedures in place to protect the misuse of your information. 4) How you can correct any inaccuracies in the information.

Information Collection, Use, and Sharing 

We are the sole owners of the information collected on this Website. We only have access to/collect information that you voluntarily give us. We might share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person. We may share your personal information with third parties in limited circumstances, including: (1) with your consent; (2) to a vendor or partner who meets our data protection standards; or (3) when we have a good faith belief it is required by law, such as pursuant to a subpoena or other legal process. If we’re going to share your information in response to legal process, we’ll give you advance notice so you can challenge it (for example by seeking court intervention), unless we’re prohibited from doing so by law or court order. We will object to requests for information about users of our site that we believe to be improper. If we merge with another company such that your information will become subject to a different privacy policy, we’ll notify you before the transfer. You can opt out of the new policy by deleting your account during the notice period.

Your Access to and Control Over Information 

You can do the following at any time by contacting us via the email given on our Website: 1) see what data we have about you, if any, 2) change/correct any data we have about you, 3) have us delete any data we have about you, and 4) express any concern you have about our use of your data.

Security 

We take precautions to protect your information. Wherever we collect sensitive information (such as credit card data or mobile phone numbers), that information is encrypted and transmitted to us in a secure way. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment, managed by professional service providers for hardware, software, networking, storage, and related technology, necessary to run the READ webpage. However, no data transmission over the Internet is 100% secure, so we can’t guarantee security. You use the Service at your own risk, and you’re responsible for taking reasonable measures to secure your account (like using a strong password).

Registration 

In order to use this Website, a user must complete the registration process. During registration a user is required to give certain information.

Links 

This Website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Changes to this Policy

READ may periodically update this Policy. We’ll notify you about significant changes to it.

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