Use of the Verisk Maplecroft Publications including materials published electronically, via any Verisk Maplecroft website, mobile application or in the Global Risks Forecast emails, as well as all hard copy reports, briefings, scorecards and other publications, whether also provided via Verisk Maplecroft websites or not are subject to the following terms and conditions. The following terms and conditions shall apply for as long as the Verisk Maplecroft Publications are used by the Company. To the extent any term and or condition of these online terms conflict with any signed license, purchase order or other license or agreement provided to Verisk Maplecroft by the Company, the terms and conditions provided below shall control.
While Verisk Maplecroft endeavours to ensure that the information in the Verisk Maplecroft Publications is correct, Verisk Maplecroft will not be liable for any errors, inaccuracies or delays in content, or for any actions taken in reliance thereon.
Verisk Maplecroft may make changes to the material hosted on the Verisk Maplecroft websites at any time without notice. Information hosted on the Verisk Maplecroft websites may be out of date, and Verisk Maplecroft makes no commitment to update such material, though it will endeavour to do so to the extent that it is commercially practicable.
Verisk Maplecroft does not guarantee the accuracy of or endorse the views or opinions given by any third party content provider Verisk Maplecroft does not warrant and makes no representations regarding the completeness, currency or predictive value of the publications or the information contained therein. Though Verisk Maplecroft Publications may contain references and links to other publications and/or sources of information, Verisk Maplecroft does not endorse or take responsibility for the content of such other publications and/or sources – whether online or otherwise.
The information contained in the Verisk Maplecroft Publications is provided without any conditions, warranties or other terms of any kind. Accordingly, and to the maximum extent permitted by law, the Verisk Maplecroft Publications are provided on the basis that Verisk Maplecroft excludes all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to this service. Additionally Verisk Maplecroft shall have no liability and shall not be responsible for business and legal conclusions judgments and decisions made with respect to the Verisk Maplecroft Publications.
Verisk Maplecroft excludes all liability and responsibility for any amount or kind of loss or damage that may result to users or third parties (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Verisk Maplecroft Publications in any way or in connection with the use, inability to use or the results of use of the Verisk Maplecroft Publications, any websites or sources linked to the Verisk Maplecroft Publications or the materials on such websites. If the foregoing limitation is unenforceable, in no event shall Verisk Maplecroft’s aggregate liability to the Company, regardless of the form of any claim, action or suit, exceed the fees paid by the Company during the three month period preceding the event. In no event shall Verisk Maplecroft, its affiliates, officers, directors, employees, agents or stockholders be liable for any incidental or consequential damages, loss profits direct or indirect, arising from Verisk Maplecroft’s services.
The Company assumes full and complete responsibility for all uses and applications of Verisk Maplecroft's Publications. The Company will indemnify and hold harmless Verisk Maplecroft, its officers, directors, employees, and stockholders against any and all liability, damages, losses, claims, demands, actions, causes of action, and costs including attorney's fees and expenses resulting from the death or injury to any person or damage to any property or any other alleged or actual damages resulting from the use, application or non-use of Verisk Maplecroft’s Publications or work completed by Verisk Maplecroft for Company. Verisk Maplecroft agrees to (i) promptly notify the Company of any claim subject to this indemnification, (ii) give the Company the right to control and direct the preparation, defense and settlement of the claim and (iii) cooperate with the Company in the defence of the claim.
Verisk Maplecroft agrees to indemnify and hold harmless the Company its officers, directors, employees, and stockholders against any and all liability, damages, losses, claims, demands, actions, causes of action, and costs including attorney's fees and expenses resulting from the infringement of any third party’s intellectual property rights by Verisk Maplecroft Publications provided to the Company. The Company will (i) promptly notify Verisk Maplecroft of any claim subject to this indemnification, (ii) give Verisk Maplecroft the right to control and direct the preparation, defence and settlement of the claim and (iii) cooperate with Verisk Maplecroft in the defence of the claim.
This exclusion of liability will include but not be limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing of the Verisk Maplecroft Publications or your downloading of any material from the Verisk Maplecroft websites or any websites linked to the Verisk Maplecroft Publications.
Except where detailed below, any republication or redistribution of the Verisk Maplecroft Publications or their content is expressly prohibited without the prior written consent of Verisk Maplecroft. The Company shall hold the Verisk Maplecroft publications in strictest confidence and shall not copy, disclose, reverse engineer or attempt to derive the composition or underlying information, structure or ideas of Verisk Maplecroft Publication. Company agrees that the Verisk Maplecroft Publications and the information contained therein are confidential information of Verisk Maplecroft.
Where a company, individual or group of individuals (as indicated on the relevant contract and/or invoice) has paid a subscription and/or fee in order to access any Verisk Maplecroft Publications, and unless otherwise indicated in writing by Verisk Maplecroft, any username or password provided to that company, individual or group of individuals by Verisk Maplecroft is for their sole and exclusive use and may not be shared with any other company, individual or group of individuals.
Where a company, individual or group of individuals has been granted trial access to any Verisk Maplecroft Publications, and unless indicated in writing by Verisk Maplecroft, any username of password provided to that company, individual or groups of individuals by Verisk Maplecroft is for their sole and exclusive use and may not be shared with any other company, individual or group of individuals.
All content of the Verisk Maplecroft Publications delivered to or made available to Company belongs to Verisk Maplecroft or its licensors. Verisk Maplecroft or its licensors own all intellectual property rights (including copyright and database rights) in such content and any selection or arrangement of such content. Nothing in this Agreement shall be construed as granting to Company any right, title or interest in or to any patent, trademark, copyright or other right of Verisk Maplecroft or its licensors. Verisk Maplecroft will provide the Verisk Maplecroft Publications in accordance with generally accepted professional standards and reserves the right to ensure the suitably of qualified personnel in the creation development and delivery of the Verisk Maplecroft Publications.
Where a company, individual or group of individuals has paid for a subscription to a Verisk Maplecroft Publication, that company, individual or group of individuals ("Subscriber") may use the material contained therein for their own internal business processes and for internal training, communication and awareness-raising for as long as they hold a valid subscription. Subscribers may not incorporate any such content into any materials developed for external use without the written permission of Verisk Maplecroft. Any internal or external materials prepared by Subscribers that incorporate Verisk Maplecroft Publication content must clearly indicate Verisk Maplecroft as the source of that content.
Verisk Maplecroft uses proprietary methodologies to create reports, briefings, indices and other tools – all of which are available to subscribers. These are derived from the analysis of a range of quantitative and qualitative datasets, including from our own sources and from both open or licenced sources (with relevant permissions). Subscribers to our Global Risks Portfolio are licenced to access these outputs via our mapping tools, enhanced viewing platforms and dashboards.
No data, maps or indices can be used outside the 12 month license period on any account. Bronze and above licenses are for 12 months only. A single Atlas license is only for the edition year of the Atlas purchased or until the subsequent Atlas is published. Atlases are usually published by February of each new year.
All individual subscribers, employees of subscribed organisations or other individuals who register on www.maplecroft.com accept that they will receive updates on Verisk Maplecroft research and analysis (including but not restricted to weekly email updates, weekly and/or daily Global Risks Forecast communications and selected items of free risk analysis) – but all such registrants may opt out of receiving such updates at the point at which they register – or at any point thereafter.
Verisk Maplecroft’s resources are provided organisation-wide, under our ‘one company, one licence’ policy, i.e. all employees of the relevant legal entity can access the full range of subscribed resources at no additional cost provided they register using that legal entity’s email.
SubscriptionPlus is an extended 12-month subscription to the Verisk Maplecroft Global Risks Portfolio (GRP). It offers access to the resources for the lead customer, plus their suppliers, for two times the cost of the normal subscription rate. Any such suppliers would be required to agree to our terms and conditions of use in consideration for their accessing of the material. Verisk Maplecroft reserves the right to withhold access to large brand suppliers – i.e. with a market capitalisation above US$1m – who would otherwise be potential customers for the subscription in their own right. Verisk Maplecroft likewise reserves the right to withhold access to companies that are already clients of Verisk Maplecroft, companies that subscribe to the GRP or companies that have subscribed to the GRP. The withholding of access to such large brand suppliers will not otherwise affect the lead customer’s subscription.
LicencePlus is a 12-month arrangement with Verisk Maplecroft, that enables the lead client to integrate Verisk Maplecroft’s content in any software application or tool – provided such software or tool is for the exclusive, non-commercial use of the lead-client only. Verisk Maplecroft content may not be used in the development of any internal third party constructed tool unless both parties purchase a licence to Verisk Maplecroft data under our LicencePlus subscription. It offers access to the resources to the lead client for two times the cost of the normal subscription rate – and, where relevant, allows limited access to such content to a third-party provider for the exclusive purpose of integrating it into a software application or tool for the lead client only. In the absence of such a licence, content cannot be modified or adapted in any form, by either the client or the third party provider, whether electronically or otherwise. The lead client will need to buy a LicencePlus subscription for the first year of integration of GRP content [and then continue purchasing annual LicencePlus subscriptions for as long as GRP content – whether current or historical – is incorporated into the lead client’s software application or tool].
In certain circumstances, service providers will wish to access and integrate GRP content into a commercially-marketable software application or tool for re-sale to other parties. This can only be done with the formal, written permission of Verisk Maplecroft. This is in order to understand the implications with respect to the protection of our intellectual property and the establishment of the terms under which we will license GRP material for integration into the service-provider’s software application or tool – or the re-use of such material by parties purchasing such software application or tool. To be clear, no such integration or re-use is allowed under any circumstance unless by prior agreement and covered by a distinct licensing agreement with Verisk Maplecroft.
Where such licence is granted by Verisk Maplecroft, it will generally be done so on the basis that both the service provider and any parties purchasing or using its software applications or tools must hold valid and current subscriptions to GRP content. Such subscriptions will need to remain in place for as long as the relevant software application or tool integrates GRP content – whether current or historical.
Where a company, individual or group of individuals has been granted trial access to a Verisk Maplecroft Publication, that company, individual or group of individuals ("Potential Subscriber") may only use content gained as a result of that trial access for the sole purpose of evaluating their need for a paid subscription. Verisk Maplecroft Publication content that has been accessed as a result of the granting of trial access by Verisk Maplecroft may not be used for any business purpose and may not be incorporated into any internal or external materials developed by Potential Subscribers without the written permission of Verisk Maplecroft.
Except as described above, you may not alter, reproduce, reprint, copy, sell, or otherwise transfer or use Verisk Maplecroft Publication content without the express written permission of Verisk Maplecroft.
This legal notice shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the English courts.
Last updated: 5th April 2018
Verisk Maplecroft (“Maplecroft” or “we”) respects your concerns about privacy. This Online Privacy Notice (the “Notice”) applies to personal data we collect on https://maplecroft.com (the “Site”), the personal data we collect during the account sign-up or account access process and other locations. The Notice describes the types of personal data we obtain, how we use the personal data, and with whom we share it. We also describe the rights you may have and how you can contact us about our privacy practices.
We are committed to safeguarding the privacy of our website visitors; this policy sets out how we will treat your personal information.
Verisk Maplecroft is the data controller in respect of personal data that we collect through the Site, through the account sign-up or account access process or that you provide to us. Our contact details can be found at the How To Contact Us section at the end of this Notice.
Visitors to the Site are subject to important limitations. Please review our Conditions of Use, which govern your visit to this Site on the World Wide Web.
We may collect personal data that you choose to provide to us through the Site, including, but not limited to, your first and last name, physical address, e-mail address, or telephone number, such as when you:
When you visit our Site, we also may collect certain information by automated means using technologies such as cookies, non-cookie-based tokens, web server logs, tracking pixels, and web beacons.
Please note, however, that without cookies, you may not be able to use all the features of our Site. Non-cookie-based tokens are encoded URL-based identifiers that track e-mail click-through activity or time-sensitive password reset keys and will work in scenarios where cookies are disabled or a session has not been initiated.
Where permitted by law, we may acquire personal data about you from third parties. This may include personal data shared between Verisk affiliates, publicly-available profile information (such as your preferences and interests) on third party social media sites (such as LinkedIn and Twitter), and marketing lists acquired from third party marketing agencies.
We may also collect personal data in other contexts that we will notify you of at the time.
Personal data that you provide directly to us will be apparent from the context in which you provide it, for example:
Each form on our Site varies in the information required and collected. In most cases, an asterisk (*) indicates the required information on a form. You may choose to provide additional information within fields that are not required.
Our web servers may log information such as your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. The web server logs may also record information such as the address of the web page that referred you to our Site and the IP address of the device you use to connect to the Internet. They may also log information about your interaction with the Site, such as which pages you visit. To control which web servers collect information by automated means, we may place tags called “web beacons” — small files that link web pages to particular web servers and their cookies. We may also collect information from your browser, such as your browsing history, and use it in conjunction with data gathered from forms and e-mails to help us understand and respond to your needs.
“Do Not Track” Signals
Your browser settings may allow you to transmit a “Do Not Track” signal to websites and online services you visit. Like many other websites and online services, we do not currently process or respond to “Do Not Track” signals from your browser or to other mechanisms that enable choice. Both we and others (such as our service providers) may collect personal data about our visitors’ online activities over time and across third-party websites.
Social Media Widgets
The Site includes social media functions, such as the Blog, Twitter and LinkedIn widgets. These widgets may collect information about which pages you visit on the Site and the IP address of the device you use to connect to the Internet. The widgets may also set a cookie to ensure the features are functioning properly.
Social media functions and widgets are hosted either by a third party or directly on the Site. Your interactions with the social media functions and widgets located on the Site are governed by the privacy policies of the companies that provide them. If you use any of the social media functions or widgets on our Site, we strongly suggest you review the privacy policies of the companies that provide those functions and features.
Information that we collect from third parties will generally consist of publicly-available profile information (such as your preferences and interests), for example from public social media posts.
We may use personal data that you provide to us to provide you access to our products and services, respond to your inquiry, for example, to contact you about your request, ask a question, provide announcements about products and future events, conduct surveys, consider your application for employment, and contact you for other reasons related to offering and improving our services. We use the personal data for these purposes because we have a legitimate business interest in providing services to our customers and other interested individuals that is not overridden by your interests, rights and freedoms to protect personal data about you.
In addition to the uses discussed above, we may also use the personal data you provide on our Site to:
We use the personal data for the purposes described above because we have a legitimate interest in operating and improving our business that is not overridden by your interests, rights and freedoms to protect personal data about you.
We may also use the information to protect against and prevent fraud, claims, and other liabilities and to comply with or enforce applicable legal requirements, industry standards, and our policies and terms. We use personal data for these purposes when it is necessary to protect, exercise or defend our legal rights, or when we are required to do so by law that applies to us.
We use personal data that we collect automatically through cookies, non-cookie-based tokens, web beacons, and other automated means for purposes such as customizing and enhancing our visitors’ visits to the Site, facilitating use of the Sites, collecting statistics about your visits to the Site, and understanding the manner in which our visitors browse the Site. We also use the information to help diagnose technical and service problems, administer the Site, and identify visitors to the Site. We use clickstream data to determine how much time visitors spend on web pages of the Site, how visitors navigate through the Site, and how we may tailor the Site to meet the needs of our visitors. We use the personal data for the purposes described above because we have a legitimate interest in operating and improving our Site that is not overridden by your interests, rights and freedoms to protect personal data about you.
To learn how to opt out of Google Analytics, visit: https://tools.google.com/dlpage/gaoptout.
To learn how to opt out of Pardot web analytics, visit: https://www.pardot.com/legal/permission-based-marketing-policy.
In addition to the uses described above, we may use personal data that you provide to us or that we collect for other purposes. Where that is the case, we will provide an additional privacy notice to you that describes the purposes for which we will use the personal data and our legal basis for doing so.
We do not sell or otherwise disclose personal data that you provide to us or that we collect on our Site, except as described here. We may share personal data you provide to us or that we collect on the Site with:
We may share personal data with our affiliates for a number of reasons, including because:
Details of the other companies in the Verisk group, including the countries in which they are located can be found here.
We may share personal data with service providers that perform services on our behalf such as payment service providers, analytics providers, hosting providers and advisers. All service providers have entered into legally binding agreements requiring them to use or disclose personal data only as necessary to perform services on our behalf or comply with applicable legal requirements.
In addition, we may disclose personal data about you (a) if we are required or permitted to do so by law or legal process, for example due to a court order or a request from a law enforcement agency, (b) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, (c) in connection with an investigation of suspected or actual fraudulent or other illegal activity, and (c) in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution, or liquidation).
We may transfer the personal data that we collect about you to recipients in countries other than the country in which the personal data originally was collected. Those countries may not have the same data protection laws as the country in which you initially provided the personal data. When we transfer your personal data to recipients in other countries (such as the U.S.), we will protect that personal data as described in this Notice.
If you are located in the European Economic Area (“EEA”), we will comply with applicable legal requirements providing adequate protection for the transfer of personal data to recipients in countries outside of the EEA and Switzerland. In all such cases, we will only transfer your personal data if:
You may request a copy of the safeguards that we have put in place in respect of transfers of personal data by contacting us as described in the How To Contact Us section below.
The time period for which we keep personal data depends on the purpose for which we collected it. In all cases we keep it for as long as necessary to fulfil the purposes for which we collected it. We will then delete the personal data, unless we are legally required to retain it or if we need to retain it in order to comply with our legal obligations (for example, for tax and accounting purposes).
Subject to any applicable legal requirements, we typically retain personal data as follows:
If you are located in the European Economic Area (“EEA”) or Switzerland, you may have the following rights in relation to personal data that we hold about you:
You may contact us by e-mail or as described in the “How to Contact Us” section below to exercise your rights described above.
You also have the right to lodge a complaint with the data protection supervisory authority in your country. You can find the contact information of the data protection supervisory authority in your country here.
We may update this Notice periodically and without prior notice to you to reflect changes in our personal data practices or relevant laws. We will post the updated version and indicate at the top of the notice when it was most recently updated.
If you have any questions or comments about this Notice or any issue relating to how we collect, use, or disclose personal data, or if you would like us to update information we have about you or your preferences, you may contact us:
By e-mail at: email@example.com
In writing at:
1 Henry Street