Terms and Conditions

Legal Disclaimer and Terms of Visiting our Site 
Please study and read this document carefully before accessing or using the site. By accessing or using the site, you and your principal agree to bound by the terms and conditions set forth below. If you do not wish to be bound by these terms and conditions, you may not and shall not access or use the site.
Interfima, can modify the terms at any time, and such modifications shall be effective immediately upon electronic posting of the modified terms on the site. You agree to review the terms upon viewing the site to be aware of such modifications and your continued access or use of the site shall be deemed your conclusive and knowing acceptance of the modified terms. By viewing this site you submit that everything is stated clear and not vague. Moreover, by accessing this site, you subject yourself to the forum and jurisdiction of the Interfima administrative area.

Interfima is an non profit entity similar to other international associations located in the Grand Duchy of Luxembourg which operates this site for personal, educational, non commercial use of its members and other users. Interfima grants certificates, professional designations and provides research and advisory much like other legal educational and professional institutes or associations around the globe.
Interfima licenses its marks and logos to others. The marks are generally licensed to individuals. Interfima will license the Interfima and other marks and logos to companies, universities, or other uses upon consent. Trademark Web design, and/or any other names of Interfima or its web site, publications, products, content or services referenced herein or on the site are the exclusive trademarks or service marks of Interfima, including the ” look” and “feel” of the site, Interfima color combinations, layout, and all other graphical elements.
Any use of Interfima’s trademarks is strictly prohibited without the express permission from Interfima. Other product and company names mentioned in the Site may be the trademarks of their respective owners.
Use of the site content:
All information, documents and materials posted in this site are for the use of Interfima users and may not be resold, republished, or copied, without the prior consent of Interfima. Information, documents and materials may be reprinted for educational and nonprofit purposes only. In addition, all information, documents and materials posted in this web site are subject to change. Interfima typically grants use of the associated, copyrighted material upon written request to info@interfima.org. An Interfima examiner will be assigned to your request, evaluate it and response within 48 hours with a formal email, accepting or decling your request. In some cases additional information on the purpose of the use may be required.
You take on and assume total responsibility and risk for your use of the site and the internet. Interfima provides the site and related information “as is” and does not make any express or implied warranties, guarantees, representations or endorsements whatsoever (including without limitation warranties of title or noninfringement, or the implied warranties of merchantability or fitness for a particular purpose) with regards to the service, any stuff or merchandise information or service provided through the service or on the internet generally, and Interfima shall not be liable for any cost or damage arising either directly or indirectly from the any such transaction. It is solely your responsibility to evaluate the accuracy, completeness and usefullness of all opinions, advice, services, merchandise, and other information provided through the service or on the internet generally. You understand further that the internet contains unedited materials some of which are sexually explicit or may be offensive to you. You access such materials at your risk. Interfima has no control over and accepts no responsibility whatsover for such materials.
Limitation of Liability 
In no event will Interim be liable for (i) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use or inability to use the service, or any information, or transactions provided on the service, or downloaded from the service, or any delay on such information or service. Even if Interfima or its authorized representatives have been advised on the possibility of such damages, or (ii) any claim atttributable to errors, omissions, or other inaccuracies in the service and/or materials or information downloaded through the service. Because some jurisdictions prohibit the exclusion or limitation of liability for sonsequential or incidental damages, the above limitation may not apply to you.
You agree to indemnify, defend and hold harmless Interfima, its officers, managers, shareholders, directors, employees, agents, licensors, suppliers and any third party information providers to the Site from and against all losses (mental, computer, or physical), expenses, damages and costs, emotional distress, including attorneys’ fees, resulting from any violation of these terms (including negligent or wrongful conduct) by you or your use and access of the site. International Use Recognizing the global nature of the Internet, you agree to comply with all local rules including, without limitation, rules about the Internet, data, e-mail, or privacy. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the European Union or the country in which you reside.
Third Parties: Your participation, correspondence or business dealings with any third party found on or through the Site, regarding the payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. You agree that Interfima shall not be responsible or liable for any loss, damage or other matters of any sort incurred as the result of any such dealings.
Links the site may provide, or third parties may provide, links to non-Interfima Internet World Wide Web sites or resources: Because Interfima has no control over such sites and resources, you acknowledge and agree that Interfima is not responsible for the availability of such external sites or resources, and does not endorse or verify the truth of, and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Interfima shall not be responsible or liable or fraud, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. Notice: The objective of this site is for membership, networking, research, and education. No legal, investment, accounting, or other professional regulated advice is implied. If you desire to facilitate a legal or investment transaction, see a licensed individual.  
Training Events Terms and Conditions 
Payment Terms
Fees cover only attendance to the event, refreshements and coffee, lunch in some occasions, training material, membership and certificate of attendance. They do not cover accommodation, transportation or any other expenses. All invoices have to be fully paid within a week from the registration completion. Fees can be denominated in US Dollar, Euro, and British Pound currencies unless otherwise stated.
All members get a minimum of 5% discount on the event price. Register for free, become an Interfima member. and get the member discount. More than two (2) participants get a minimum of 5% discount on selected events. Finally, early bird registrations get a minimum of 5% discount on selected events.
If you are unable to attend, a substitute delegate is welcome at no extra cost. Please provide substitute delegate in writing. Also you have the option to use the payment as a credit for a future event. In the event that you have to cancel, Interfima accepts cancellation only in writing and not over the phone. Interfima observes the NO REFUND policy for cancellation. A set of documentation and course material will be sent to you.
In the event that Interfima postpones the event, delegate payment on postponement date will be credited to a rescheduled date. In the event that Interfima cancels the event,delegate payments at the date of cancellation will be used as credit for Interfima’s future event. The credit is valid for up to 12 months from the date of issuance. In the case the delegate doesn’t want to use the payment as credit, then the delegate will be fully refunded excluding the transaction costs.
Other Notice
Interfima reserves the right to change event dates, sites or location or alter the content and timing of the program or the speakers without penalty. Interfima assumes no liability whatsoever if the event is changed, postponed, or cancelled due to unforeseen circumstances that would render the event impracticable and impossible. Unforeseen circumstances include but not limited to Act of God, disaster, civil disturbances, act of terrorism, curtailment on transportfacilities, or any other emergency or perceived threat. All material, designed, presented, distributed etc is intellectual property of Interfima. Any unauthorized use such as distribution, publication or reproduction is prohibited by law.  
Interfima Research
This research report provides general information only and not a personalized and individual advice based on the specific objectives, financial situations, or needs of any specific person. This information and discussions are not intended as a specific offer or a solicitation of an offer by Interfima to buy or sell any securities, financial instruments and any of their derivatives. Any person should seek financial advice regarding the information and discussions stated in this research report. Interfima is not liable to any decisions of any person who reads and relies on this research report.  

The research is based on current public information and sources that Interfima considers reliable, but we do not represent it as accurate or complete, and it should not be relied on as such. Any discussions, opinions and statements are expressed as those of Interfima only and are subject to change due to market conditions and may not be realized. 

2016 © Interfima ALL RIGHTS RESERVED. No part of this research may be copied, duplicated, reproduced, stored in a retrieval system, or redistributed in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise without the prior written permission of Interfima ASBL.  

Trial Subscriptions
Please note that no more than one trial subscription per subscriber is allowed in any twelve month period. We reserve the right to cancel any trial subscription immediately, without refund, if we become aware that the subscriber has already had another trial subscription in the previous twelve months.

Paypal Subscriptions 
To give you uninterrupted access we will automatically renew it using the payment method you provided, unless you cancel before the renewal date. If you chose to pay quarterly, your subscription will continue until you tell us that you no longer wish to receive it, in which case you will stop paying the quarterly fees. If you chose to pay annually, unless you notify us before the end of your annual subscription period that you no longer wish to receive it, your annual subscription will renew for another year. We will charge the subscription using the same card or other payment method that you previously used. Please see the “Cancellation” section below for details of how to cancel your subscriptions.
You do not have any right to cancel your subscription or any part of it until the end of your then current subscription period. Although you may notify us of your intention to cancel at any time, such notice will only take effect at the end of your then current subscription period, and you will not receive a refund. You may notify us of your wish to cancel your subscription by contacting our Customer Services team at research@interfima.org.
Interfima reserves the right to change the name, the content, the structure or the design of its research reports at any time without penalty. In that case we will pause your subscription and restart it once the changes have been completed. Also, in that case only you may cancel your subscription and we will provide you with a pro rata refund of your subscription, which means that we will refund part of your subscription fee for the unexpired period of the subscription. Interfima assumes no liability whatsoever if any research report is cancelled. In that case only we will provide you with a pro rata refund of your subscription, which means that we will refund part of your subscription fee for the unexpired period of the subscription. 
All of the above apply to Paypal and wire transfer subscriptions.