• Sample author page

    November 11, 2009 04:59 PM

    This is an Author page.

    Cras tristique luctus massa non pellentesque. Duis vulputate urna a libero consectetur pellentesque. Nunc risus enim, hendrerit at egestas vitae, molestie eu urna. In pulvinar, augue nec dignissim mattis, eros ipsum auctor diam, et feugiat nulla libero ac enim. Sed interdum dapibus diam, pretium pretium magna tristique at. Quisque blandit venenatis porttitor. Vivamus volutpat vestibulum mollis. Nam a justo velit. Curabitur malesuada ullamcorper mauris. Sed imperdiet enim sit amet odio imperdiet et ultricies nunc pretium. Donec egestas volutpat mauris in sodales. Aenean at nisi orci. Nullam non risus mauris, vel varius massa. Suspendisse vitae elit a purus accumsan condimentum. Fusce a nibh orci.


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  • Contact us

    November 11, 2009 04:58 PM

    This page should probably go to a citigroup contact form.

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  • Citi Blog Privacy Statement

    November 11, 2009 04:57 PM

    Privacy at Citi

    Your trust and confidence is important to us when handling personal information about you.

    CHOICES
    As you consider your choices about how personal information about you may be shared by us, we www.allaboutcookies.orgencourage you to make choices that enable us to best provide you with information that might best meet your needs.

    SECURITY
    The security of personal information about you is a priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet the requirements of applicable law. Please be aware that the applicable law might not be the laws of the country where you are resident. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

    While we work to protect your personal information, no data transmission over the Internet can be guaranteed to be completely secure. You must keep your password and other website registration information that you hold confidential. You should also control access to your e-mail and other electronic communications at all times and maintain a secure browser and other internet access devices.

    Citi Blog Privacy Statement

    Citi Blog allows you to access, view and post content concerning subjects that we post on the website. This Privacy Statement describes how we may collect, use and share any information that you provide when you visit this website, interact with us through the site or our advertisements on third-party websites.

    Our Privacy Statement does not cover information you provide to the websites we advertise on and may link to.

    In addition, from time to time, web pages on the website may refer or link to other Citi companies, their affiliates or third-party websites or state the URL or domain name of such company's, affiliate's or third-party website. Other websites, including other Citi websites, may have different privacy policies than this one. You should carefully review such privacy policies and statements to become familiar with those companies', affiliates' and third-parties' policies if you click through to them. If you are a customer of one or more of the Citi companies, any privacy policy communicated to you in the context of your customer relationship with that Citi company will apply to your relationship with that company as described in that notice.

    We encourage you to read the privacy and security disclosures on these other websites.

    This Citi Blog Privacy Statement provides information on the following:

    1. What Information Do We Collect?

    2. How Do We Use the Information Collected?

    3. How Do We Use Information From Our Advertisements for this on Other Websites?

    4. Can You Control Your Information That's Collected and Used Online?

    1. What Information Do We Collect

    We collect two types of information online: non-identifying information and identifying information.

    Non-Identifying Information

    When you visit our
    site, we collect the IP address of the device you use to connect to the Internet. In addition, we gather information such as what browser and which version of it you're using, the type of operating system you have, and which site you came from. This information helps us provide an online experience that matches your device.

    When you browse our site or interact with us through our site, Citi and companies we work with, use cookies and/or pixel tags to collect information and store your online preferences. Cookies are widely used and most browsers are set up to accept them automatically. If you would prefer, you can choose to not accept cookies. For more
    information, see section 4 below.

    It's important
    to note that cookies, pixel tags and other data collection technologies we may use result in the collection of information which does not immediately reveal your identity. Nor will we use this information to attempt to discern your identity. The information gathered helps us improve your online experience and may include:

    • Time and duration of your visit to our site
    • Pages you viewed while on our site
    • URLs of sites from which you arrive or leave this website to help us (or companies we work with) to recognize when you have been directed to our website or to a linked site of a company we work with
    • Analytical data that helps us count the number of visitors to our website and to see how visitors move around and use our website

    We may also supplement the information we collect with information we receive from other companies. For example, we may use marketing segments developed by us or other companies to customize certain services to your local area and, as permitted under applicable law, provide relevant Citi offers tailored to you.

    Identifying Information

    In addition to the information described in the previous section, we gather your user name and e-mail address, which are required for you to submit content to the website.
    In the course of using this website, you may also provide us with other personal information as part of any content that you choose to submit. However, we suggest that you do not include any personal information, such as your full name, address, account number, or even your e-mail address, in such content. If you do choose to provide personal information on the website, you are giving us permission to use and store it consistent with this Privacy Statement. If you are accessing this site on your mobile device (for example via a tablet or mobile app), we may ask for your geographical location to provide you with information. If we have personal information from you, or information that's publicly available from other sources, we may use it in combination with the information that Citi has collected online. We can use this information to better tailor and personalize our service and marketing communications with you, both online and offline.

    The personal information you provide online through this website may be forwarded to and held by the Citi business that may be relevant to you based on any request you may make to us for further information on Citi's products and services. You can access and/or request a change to information you provide through this site by telephoning the customer service number for the Citi business to which you directed your information through the site.

    2. How Do We Use the Information Collected?

    Citi uses the information we collect about and from you to manage our business and to offer a high quality, personalized online experience on our site and third-party websites.

    The information we collect allows us to:

    • Recognize you when you return to our site so we can personalize your experience
    • Better respond to you or your requests for relevant product and service information

    We will not share the information with any non-affiliated third-parties for their marketing purposes. However, we may share your user name and e-mail address with affiliates and third parties that provide services to us, including outside contractors or agents who help us operate and administer the website.

    There may also be instances when we may disclose the information in order to protect the legal rights or legitimate interests of Citi, its affiliates, and each of their respective investors, directors, officers, employees, agents and suppliers. These instances may include, but are not limited to: protecting the safety and security of users of the website; enforcing our terms of use with you; and complying with the law or regulations to which we are subject.

    3. How Do We Use Information from Our Advertisements on Other Websites?

    Companies we work with place and track advertisements on third-party websites.

    Like most advertisers, we place advertisements where we think they will be most relevant to customers. We place advertisements by developing and using our own marketing segments that may combine online and offline information about our current and prospective customers. In addition, we may use marketing segments provided by online publishers and network advertising companies.

    Network advertising companies that provide these services have their own privacy policies and are not subject to this Privacy Statement. Many of these companies provide ways to avoid targeted advertising provided by, or through, them.


    4. Can You Control Your Information That's Collected and Used Online?

    Cookies

    You can control whether to
    accept cookies or not. If you decide to not accept cookies, some features on our site may not work properly because we may not be able to execute certain functions. In addition, the information we provide when you visit us may not be relevant to you or tailored to your interests. You can find more information about cookies, including how to see what cookies have been set and how to manage and delete them, at: www.allaboutcookies.org and www.youronlinechoices.eu.

    If you would prefer not to accept cookies, you can:

    • Change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it
    • Set your browser to automatically not accept any cookies

    Notice of Changes.
    From time to time, we may change this Privacy Statement. The effective date of this Privacy Statement, as stated below, indicates the last time this Privacy Statement was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the Privacy Statement.

    Effective Date.
    This Privacy Statement was last modified December 7, 2012.

    Citigroup Inc, which is based in the U.S., manages this site and holds all the information described in this Privacy Statement. This disclosure does not address how information is handled by or the policy of any other affiliate or third party site that may be linked to this site.

    Questions: Any questions with respect to this policy or how Citi handles personal information can be directed to BlogComments@citi.com.

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  • Citi Blog SITE USAGE GUIDELINES

    November 11, 2009 04:52 PM

    Last Updated: 7 December 2012

    IMPORTANT! THIS USER AGREEMENT ("USER AGREEMENT") GOVERNS YOUR (THE "USER" OR "YOU" OR "YOUR") USE OF THE WEBSITE LOCATED AT https://blog.citigroup.com(THE "WEBSITE") PROVIDED BY CITIGROUP INC OF 399 PARK AVENUE, NEWYORK, NY 10022, USA ( "CITI" OR "WE").WE ADVISE YOU TO READ THE AGREEMENT (AS DEFINED BELOW) IN ITS ENTIRETY, INCLUDING ANY COUNTRY-SPECIFIC PROVISIONS IN THE APPENDIX TO THIS USER AGREEMENT WHICH WILL APPLY TO USERS IN CERTAIN COUNTRIES.

    BY CLICKING ON THE BOX LABELED "I ACCEPT," OR BY OTHERWISE USING THIS WEBSITE, YOU AGREE THAT YOU ARE ENTERING INTO A LEGALLY BINDING AGREEMENT WITH CITI BASED ON THE TERMS OF THIS USER AGREEMENT, THE LATEST PRIVACY STATEMENT FOR THE WEBSITE AND ANY OTHER POLICIES, GUIDELINES OR STANDARDS REFERENCED HEREIN (COLLECTIVELY THE "AGREEMENT").

    THIS AGREEMENT CONTAINS VARIOUS PROVISIONS THAT:

    1. LIMIT AND/OR EXCLUDE CITI'S LIABILITY.
    2. CONSTITUTE YOUR CONSENT TO THE USE BY CITI OF YOUR PERSONAL INFORMATION.
    3. CONSTITUTE YOUR CONSENT TO THE INTERCEPTION BY CITI OF ANY COMMUNICATION BY OR TO YOU ARISING FROM OR PURSUANT TO YOUR USE OF THIS WEBSITE.
    4. CONSTITUTE ACKNOWLEDGMENTS OF FACT BY YOU; AND/OR.
    5. VEST IN AND/OR TRANSFER TO CITI THE INTELLECTUAL PROPERTY RIGHTS IN AND TO THE CONTENT YOU SUBMIT,AND/OR REQUIRE YOU TO TAKE RESPONSIBILITY FOR (AND TO INDEMNIFY CITI AGAINST) LIABILITY ARISING FROM YOUR ACTS OR OMISSIONS IN CONNECTION WITH THE CONTENT YOU SUBMIT.


    IF YOU DO NOT AGREE TO BE BOUND BY THE AGREEMENT, CLICK ON THE BOX AT THE BOTTOM OF THIS PAGE LABELED "I DO NOT ACCEPT." YOU WILL BE RETURNED TO THE WEB PAGE FROM WHICH YOU ACCESSED THE AGREEMENT AND WILL NOT BE GRANTED ACCESS TO THE RESTRICTED SECTIONS OF THIS WEBSITE.

    WE ARE CONTINUALLY ADDING FEATURES AND FUNCTIONALITY TO THIS WEBSITE. BECAUSE OF THESE CHANGES, CHANGES IN THE LAW, OR CHANGES IN TECHNOLOGY, WE MAY NEED TO REVISE THE AGREEMENT FROM TIME TO TIME. ACCORDINGLY, WE RESERVE THE RIGHT TO UPDATE OR MODIFY THE AGREEMENT AT ANY TIME AND WITHOUT PRIOR NOTICE BY POSTING THE REVISIONS ON THIS WEBSITE. THESE CHANGES WILL BE EFFECTIVE AS OF THE DATE POSTED. YOUR USE OF THIS WEBSITE AFTER ANY SUCH CHANGES ARE IMPLEMENTED CONSITUTES YOUR AGREEMENT TO BE BOUND BY THE REVISED AGREEMENT. IF YOUR COUNTRY REQUIRES YOU TO REACCEPT ANY CHANGES IN ORDER FOR SUCH CHANGES TO BE ENFORCEABLE, WE WILL FACILITATE SUCH APPROACH. PLEASE CONSULT THE AGREEMENT AND ITS TERMS AND CONDITIONS REGULARLY.

    THIS WEBSITE IS NOT INTENDED FOR PERSONS UNDER 18 YEARS OF AGE (OR AGE OF MAJORITY IN THE RELEVANT COUNTRY). IF YOU ARE UNDER THIS AGE, DO NOT ACCEPT THE AGREEMENT OR ACCESS THE WEBSITE.

    THE WEBSITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY MAKING ANY INFORMATION PUBLISHED ON THE WEBSITE AVAILABLE, CITI DOES NOT INTEND TO MAKE ANY DISTRIBUTION OR SOLICITATION TO ANY PERSON TO USE THE WEBSITE OR TO USE ANY PRODUCTS OR SERVICES AVAILABLE AT THE WEBSITE, IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE, INCLUDING WEBSITE INFORMATION, PRODUCTS AND SERVICES, IS PROHIBITED BY LAW. WE RESERVE THE RIGHT TO REQUIRE PROOF OF RESIDENCE FROM ANY USER ACCESSING THIS WEBSITE AND REQUESTING INFORMATION.

    1. USE OF THE WEBSITE AND USER SUBMITTED MATERIAL

    a. Website Use License: Citi grants to User a nonexclusive, nontransferable, limited, revocable right during the term of this Agreement to use the Website in accordance with the terms and conditions of this Agreement. User will not use the Website for any other purpose without Citi's express prior written consent.

    b. Submitted Material and Ownership:You acknowledge that the Website is a collaborative forum and enables Citi and authorized Users to exchange and share information, ideas, text, graphics, audio, images, and other materials (collectively,"Content"). If You are Citi Personnel, You also acknowledge that the use of the Website and the exchange of any Content falls within the scope of Your employment relationship with Citi. You shall not retain any confidentiality or proprietary rights in any Content You Submit (as defined below) (collectively,"Submitted Material").

    Without limitation and to the extent that ownership does not otherwise vest in Citi in connection with Your existing employment or commercial relationship with Citi, Citi shall exclusively own all Submitted Material to the extent permitted by law, and in consideration of Citi providing You with access to the Website (and/or providing You with compensation where You are Citi Personnel), You hereby (and agree to) assign, transfer, and convey to Citi, is successors, assigns, and legal representatives, all right, title, and interest in and to such Submitted Material, including all intellectual property rights therein. You agree to execute and deliver to Citi any documents necessary to complete or record the foregoing assignment. To the extent that any rights in or to any Submitted Material do not vest in Citi by virtue of the terms of this Agreement, You hereby waive (to the maximum extent permitted by law) and agree never to assert such rights against Citi or any of Citi's licensees. If You have any right to the assigned items that cannot be assigned to Citi or waived by You, You unconditionally and irrevocably grant Citi, its parents, affiliates, subsidiaries, licensees, sub-licensees, and all Website users, during the term of such rights, a worldwide, royalty-free, perpetual (or the maximum duration permitted by applicable law), irrevocable, sub-licensable, transferable, non-exclusive license to use, copy, display, perform, distribute, adapt, modify, and promote the Submitted Material in any medium, now known or hereafter created. Citi shall be free to use, for any purpose, any ideas, concepts, know-how, techniques, or content contained in any Submitted Material and will be entitled to use, make, reproduce, disclose, distribute, perform publicly, display publicly, create derivative works of, and reduce to practice any Submitted Material for any purposes whatsoever, without restriction and without compensating You in any way. Citi shall not be subject to any obligations of confidentiality regarding the Submitted Material, except as may be required by law. Citi is under no obligation to post or use any Submitted Material submitted and Citi may remove any Submitted Material at any time in its sole discretion.

    c. Warranty and Representations on Submitted Material:You, and not Citi, are entirely responsible for any and all Submitted Material that You upload, post, email, transmit, share, or otherwise display or make available via the Website ("Submit") and You acknowledge and agree that You have a responsibility to treat the Website and all information in it, in a professional, ethical, lawful and confidential manner. By Submitting Submitted Material, You warrant and represent that the information is accurate and You own or otherwise control any and all of the rights to your Submitted Material including, but not limited to, all the rights necessary for You to Submit the Submitted Material. To the extent that the Submitted Material contains copyrighted or protected content, You warrant and represent that: (i) You are the owner of such content; (ii) You have the rights necessary to grant the assignment (or license) set forth in Section 1(b); and (iii) each person whose personal information is depicted in such content, if any, has provided consent to the use of the content as set forth in this Agreement. Citi reserves the right to request proof of ownership or permission, and to refuse to post Submitted Material without such proof or if such proof is not, at its sole discretion, sufficient.

    d. Your Use of the Content:You may use, download or print a copy of the Content displayed on the Website solely for your own personal, non-commercial, use, provided (A) You do not remove or modify any copyright, trademark, or other proprietary notices or any disclosures; (B) You agree to and comply with any terms, conditions, and notices accompanying the Content; (C) You comply with all applicable copyright and other intellectual property laws, and (D) You otherwise comply with the terms and conditions of this Agreement. This limited, revocable, non-transferable privilege to use the Content in no way constitutes a transfer of any right, title, or interest in the Content You download, view, or otherwise access. This is a grant of a license, not a transfer of title, and under this license You may not: (1) modify or copy the Content (except as set forth in the preceding sentence); (2) use the Content for any commercial purpose or for any public display (commercial or non-commercial); (3) attempt to decompile or reverse engineer any software contained on the Website (except as permitted by law); (4) transfer the Content to another person; (5) "mirror" the Content on any other server; or (6) otherwise distribute, transmit, display, perform, reproduce, publish, license, or create derivative works from any information, material, software, products or services on the Website. This license shall automatically terminate if You violate any of these restrictions, and may be terminated by Citi at any time subject only to any notice requirements with which Citi must comply in accordance with applicable law. Upon terminating your viewing of these materials or upon the termination of this license, You must destroy any downloaded materials in your possession, whether in electronic or printed format.

    e. Inappropriate Practices and Objectionable Content Prohibitions:In relation to the Website and any Submitted Material, You agree that You will not engage in objectionable practices or Submit any of the following (collectively,"Objectionable Content"):

    i. Submitting any Content or otherwise using, promoting, conducting, participating or assisting in any activity on the Website that is prohibited by law in any applicable jurisdiction, including laws governing the encryption of software, defamation (libel/slander), data privacy or protection, the export of technology, tax fraud, the transmission of obscenity, copyright law, or the permissible uses of intellectual property;

    ii. using or Submitting files that contain images, software, or other material protected by intellectual property laws, including, by way of example, copyright, database rights or trademark laws, unless You own or control the rights thereto or have obtained all necessary consents and/or rights to submit such materials to the Website and grant the transfer of rights required in Section 1(b);

    iii. using or Submitting any material or information, including images or photographs, which are made available through the Website in any manner that infringes any copyright, trademark, database rights, patent, trade secret, or other proprietary right of any party;

    iv. using the Website to intentionally spread false information or rumors or in any way that is fraudulent or has a fraudulent effect or purpose, or engaging in other abusive activity with respect to securities or other financial instruments or manipulation of the stock exchange;

    v. Submitting trade secrets, or confidential or non-public information about publicly traded securities, other financial instruments or any information known by You as a consequence of your relationship with Citi; vi. Submitting any Content that is unlawful, harmful, blasphemous, defamatory, offensive, sexually explicit, threatening, pornographic, paedophilic, abusive, harassing, tortious, denigrating, vulgar, obscene, libelous, invasive of another's privacy, inflammatory, discriminatory, embarrassing, inappropriate, offensive, hateful, racially or ethnically disparaging, relating to or encouraging money laundering or gambling (where gambling is illegal in a jurisdiction), harms children in any way or otherwise objectionable;

    vii. using the Website to "stalk" or otherwise harass, annoy, threaten, alarm, or harm another;

    viii. using the Website to promote yourself or your business; your Submitted Material must not be self-serving and absolutely no type of advertising or solicitation efforts will be allowed;

    ix. impersonating any person or entity or falsely stating or otherwise misrepresenting your affiliation with a person or entity or collecting or storing personal data about other users in connection with prohibited conduct or activities;

    x. Submitting any Content that You do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

    xi. Submitting any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;

    xii. Submitting any material that contains software viruses, Trojan horses, worms, time bombs, corrupted files, or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment, or that may damage or interfere with the operation of another's computer or property of another;

    xiii. using the Website in any manner that could damage, disable, overburden, or impair any Citi server, or network(s) connections, disobey any requirements, procedures, policies or regulations of networks connected to the Website or interfere with any other party's use and enjoyment of the Website;

    xiv. attempting to gain unauthorized access to or otherwise misuse any Website, other accounts, computer systems, software or networks connected to any Citi server or Website, through hacking, password mining or any other means or obtaining or attempting to obtain any materials or information through any means not intentionally made available through the Website;

    xv. violating, intentionally or unintentionally, any applicable local, state/provincial, national or international law;

    xvi. threatening national security, unity, integrity, defence or sovereignty of a country, threatening public order in a country or causing incitement to the commission of any punishable offence in a jurisdiction, preventing investigation of any such offence or insulting another country;

    xvii. providing material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act or any similar applicable law;

    xviii. forging headers or otherwise manipulating identifiers (including URLs) in order to disguise the origin of any materials transmitted to or from the Website, or deleting or altering any attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other uploaded material;

    xix. collecting, using or transferring information about others, including e-mail addresses or other personal information except as expressly permitted by this Agreement or with the appropriate permissions;

    xx. including on the Website any financial or sensitive information (other than as may be included in Your User profile) about You or any other person (including but not limited to information about religious, confessional or similar beliefs, racial or ethnic origin, health or sexual life, genetic code, addictions political affiliation or political membership, trade union membership or information about criminal offences or any other categories of personal information defined as sensitive under applicable data protection laws);

    xxi. unless specifically authorized or enabled by the Website, sharing any Content with any third party websites; and/or

    xxii. deep-linking to the Website for any purpose unless expressly authorized in writing by Citigroup or engaging in "framing", "mirroring" or otherwise simulating the appearance or function of the Website.

    f. Website Moderation:While Citi may not continuously monitor or moderate Content published by Users, Citi and its designees retain the right (but not the obligation), at Citi's sole discretion, to pre-screen, refuse, monitor, restrict access to, or remove any Content of which it becomes aware and at its sole discretion deems infringing, inappropriate, not to fulfill the spirit or purpose of the Website, to constitute Objectionable Content or to be illegal or otherwise in breach of this Agreement. Citi does not guarantee the accuracy, integrity, or quality of Content. To the extent permitted by law, under no circumstances will Citi be liable in any way for any Content, including, but not limited to, liability for any errors or omissions in any Content or for any loss or damage of any kind incurred as a result of the use of any Content, including any Content posted, emailed or otherwise transmitted via the Website. You should exercise discretion before relying on information in Content as such Content may contain false, inaccurate or otherwise misleading information. To the extent that You use or rely on information posted within the Website, You do so solely at your own risk.

    g. No Advice by Citi:No comments made by any employee, agent, consultant, or contractor of Citi (collectively,"Citi Personnel") or any User through the Website should be understood or used as the sole basis of any investment or financial decision, nor should they be construed as advice or recommendations. It is possible that users will post comments on the Website related to their experiences. Like other postings on the Website, We are not liable for any such postings and, such user comments may contain false or misleading information.

    h. Password Protection:You will take all reasonable steps to ensure that no third party will have access to the password protected portions of the Website. For example, User will not divulge, sublicense, assign, or transfer to any third party User's username(s) and password(s).

    2. RIGHT TO MODIFY, SHUT DOWN, OR DENY ACCESS TO THE WEBSITE

    CITI RESERVES THE RIGHT TO MODIFY THE CONTENT, FEATURES, AND FUNCTIONALITY OF THE WEBSITE, TO SHUT DOWN THE WEBSITE, AND TO LIMIT OR DENY ACCESS TO ALL OR PART OF THE WEBSITE AT ANY TIME, FOR ANY REASON WITHOUT PRIOR NOTICE AND, TO THE EXTENT PERMITTED BY LAW, WILL NOT BE LIABLE IN ANY WAY TO YOU, YOUR COMPANY OR EMPLOYER, OR ANY THIRD PARTY FOR ANY POSSIBLE LOSS, LIABILITY OR CONSEQUENCE OF SUCH ACTIONS.

    3. TERM AND TERMINATION

    Citi may immediately terminate User's right to use the Website and Content if User violates any provision of this Agreement. Additionally, Citi may terminate the User's access to the Website and Content for any reason and without notice. User will immediately cease using the Website and Content upon termination and will destroy any Content in User's possession or control.

    If You work for Citi, You acknowledge and agree that any breach of this Agreement, including without limitation any inappropriate use or misuse of the Website, may lead to disciplinary action up to and including termination of your employment or assignment with Citi, subject to applicable law.

    If You no longer wish to participate in the Website for any reason, You may terminate your access to the Website, at any time, with notice to us via email at a href="mailto:BlogComments@citi.com">BlogComments@citi.com. This notice will be effective upon Citi processing Your notice.

    4. DISCLAIMER OF LIABILITY

    SOME COUNTRIES DO NOT ALLOW ALL OF THE FOLLOWING LIMITATIONS OR EXCLUSIONS OF LIABILITY AND, IF REQUIRED BY APPLICABLE LAW, THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.

    THE WEBSITE AND CONTENT ARE PROVIDED "AS IS", "AS AVAILABLE" WITHOUT ANY WARRANTIES OR REPRESENTATIONS OF ANY KIND. CITI AND ITS LICENSORS MAKE NO REPRESENTATION OR WARRANTY ABOUT THE ACCURACY, ADEQUACY, COMPLETENESS, AVAILABILITY OR TIMELINESS OF THE WEBSITE OR CONTENT AND EXPRESSLY DISCLAIM, TO THE EXTENT PERMITTED BY LAW, ANY AND ALL REPRESENTATIONS OF ANY KIND WITH RESPECT TO THE WEBSITE AND THE CONTENT, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS. FURTHER, CITI WILL NOT BE LIABLE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR IN PART BY PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING CONTENT.

    CITI DOES NOT GUARANTEE THAT THE WEBSITE WILL BE PROVIDED WITHOUT INTERRUPTION OR ERRORS IN FUNCTIONING AND, TO THE EXTENT PERMITTED BY LAW, WILL NOT BE LIABLE FOR ANY MALFUNCTIONING, IMPOSSIBILITY OF ACCESS, OR POOR USE CONDITIONS OF THE WEBSITE. NOR WILL CITI BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DENIAL OF SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THIS WEBSITE OR TO YOUR DOWNLOADING ANY MATERIAL POSTED ON IT OR ANY WEBSITE LINKED TO IT.

    5. LIMITATION ON LIABILITY

    SOME COUNTRIES DO NOT ALLOW ALL OF THE FOLLOWING LIMITATIONS OR EXCLUSIONS OF LIABILITY AND, IF REQUIRED BY LOCAL LAW, THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.

    TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL CITI, ITS LICENSORS, SERVICE PROVIDERS, AGENTS, OFFICERS, OR DIRECTORS, BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THE WEBSITE OR CONTENT OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF THEY ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

    IT IS UNDERSTOOD THAT NOTHING IN THIS AGREEMENT SHALL EXCLUDE OR LIMIT CITI'S LIABILITY IN CASE OF DEATH OR PERSONAL INJURY RESULTING FROM AN ACTION OR FROM AN OMISSION ON CITI'S SIDE AND/OR FOR FRAUD, GROSS NEGLIGENCE OR WILFUL MISCONDUCT TO THE EXTENT THAT THIS IS NOT PERMITTED BY LOCAL LAW.

    6. INDEMNIFICATION

    To the extent permitted by law, You shall indemnify, defend, and hold harmless Citi, and its officers, employees and agents, from any and all losses, injuries, liabilities, damages, fines, penalties, costs and expenses including reasonable attorneys' fees, resulting from claims made by any third party due to or arising out of Your acts or omissions in connection with the Website, including any claims arising out of Your use of the Website, Your Submitted Material, anything You Submit to or via the Website, Your violation of this Agreement or any other policies or rules governing the Website, or Your violation of any rights of another.

    7. MISCELLANEOUS TERMS

    a. General Practices Regarding Use and Storage. While Citi will use reasonable efforts to back up Website data in compliance with applicable law, Citi has no responsibility or liability for the deletion or failure to store any data or other content maintained or transmitted by others on the Website. Citi reserves the right to mark as "inactive" and archive Content that is inactive for an extended period of time. Citi reserves the right to change these general practices at any time, at its sole discretion. Citi will retain data as required by applicable laws and regulations, and pursuant to its contractual obligations.

    b. Other Websites. The Website may contain links to other websites and to website content on such other websites. These links are provided for convenience only, and do not imply affiliation with or endorsement by Citi. Citi is not responsible for the operation of, or for website content on, any such other website, or for the operation of, or for website content on, any site through which You may have gained access to the Website.

    c. Relationship. Neither Citi nor its service providers shall be considered an agent or other legal representative of Yours for any purpose by reason of this Agreement. Nothing herein shall be deemed to create an agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship of any kind between Citi and You or any other person or entity nor does this Agreement extend rights to any third party. Citi does not and cannot control the actions of Website users, visitors, or linked third parties. We reserve the right to report any malfeasance that comes to our attention to the appropriate authorities

    . d. Copyrights. It is Citi's policy to respond promptly to claims of intellectual property misuse. If You believe that Your work has been copied and is accessible on the Website in a way that constitutes copyright infringement, please notify us through the process set forth below. If Citi determines, based on its sole discretion that You are a repeat offender under the Digital Millennium Copyright Act or other copyright legislation, all your Submitted Material will be removed, and Citi reserves the right to take whatever other actions it deems necessary, including notifying the appropriate government authorities.

    NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT RELATING TO THE ACTIVITIES OF CITIGROUP'S DESIGNATED AGENT

    PURSUANT TO SECTION 512(C)(2) OF THE COPYRIGHT REVISION ACT, AS AMENDED BY THE DIGITAL MILLENNIUM COPYRIGHT ACT, WRITTEN NOTICE OF ANY CLAIMED COPYRIGHT INFRINGEMENT RELATING TO THE ACTIVITIES OF CITI UNDER SECTION 512 OF THE DIGITAL MILLENNIUM COPYRIGHT ACT MUST BE SUBMITTED TO THE DESIGNATED AGENT NAMED BELOW. ANY NOTICE SENT TO THE DESIGNATED AGENT MUST MEET THE REQUIREMENTS OF SECTION 512(C)(3) OF THE DIGITAL MILLENNIUM COPYRIGHT ACT.

    Service Provider(s): Citigroup Inc and its affiliates.


    Designated to Receive Notification of Claimed Infringement:

    Name: Edward E. Niehoff, General Counsel,Operations & Technology
    Address: Citigroup Inc.
    One Court Square, 45th Floor
    Long Island City, New York 11120
    E-mail: infringementnotice@citi.com
    Telephone: 718-248-2606
    FAX 718-248-2720

    NOTE: ALTHOUGH NOT REQUIRED, IT IS RECOMMENDED THAT NOTIFICATIONS BE SENT BOTH BY FAX AND BY EMAIL AND THAT ANY EMAIL NOTIFICATION INCLUDE "NOTICE OF ALLEGED SERVICE PROVIDER INFRINGEMENT" IN THE SUBJECT LINE OF THE EMAIL.

    NOTICES RELATING TO ALLEGED COPYRIGHT INFRINGEMENTS UNDER ANY LAWS SHOULD ALSO BE SENT TO THE DESIGNATED AGENT. THIS CONTACT INFORMATION IS PROVIDED ONLY FOR THE PURPOSES STATED ABOVE. WE CANNOT RESPOND TO OTHER INQUIRIES, SUCH AS REQUESTS TO OPEN OR SERVICE ACCOUNTS OR OTHERWISE CONDUCT BUSINESS WITH CITIGROUP INC OR ITS AFFILIATES.

    If You wish to report any instances of misuse or inappropriate use of the Website including any Submitted Material (other than copyright infringement claims), please contact us via email at BlogComments@citi.com.

    e. Other Agreements. This Agreement is in addition to and does not nullify any other agreement(s) between You and Citi including but not limited to any agreement regarding Your use of Citi's other websites. Termination of this Agreement will not affect, or result in the termination of, any such other agreements.

    f. Severability. If any provision of this Agreement is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

    g. Governing Law. The substantive laws of the State of New York shall in all respects govern this Agreement regardless of Your country of origin or from where You access the Website. All claims or disputes arising out of or in connection with this Agreement shall be heard exclusively by any of the federal or state courts of competent jurisdiction located in the Borough of Manhattan, New York City, NY, USA.

    h. Remedies. Citi may seek to obtain injunctive or other equitable relief without the posting of a bond or security to prevent or curtail any breach, threatened or actual, of this Agreement where it deems appropriate to do so. All remedies in this Agreement are cumulative and in addition to (not in lieu of) any other remedies available at law or in equity.

    i. Compliance with Laws and Citi's Policies and Procedures. You will comply with the requirements of all applicable laws, ordinances, regulations, codes and executive orders, and, if You are Citi Personnel, a vendor or an external service provider, all applicable Citi's policies, standards and guidelines as published and/or modified from time to time.

    j. Survival. The provisions of this Agreement that, by their nature and content, must survive the completion, rescission, termination or expiration of this Agreement or termination of access to the Website in order to achieve the fundamental purposes of this Agreement, shall so survive and continue to bind the parties. Without limiting the generality of the forgoing, the parties specifically acknowledge that the following provisions shall survive: Sections 1(g), 3, and 4, 5 and 7.

    k. Entire Agreement. This Agreement constitutes the whole agreement between the parties and supersedes all previous agreements between the parties relating to its subject matter. Each party acknowledges that, in entering into this Agreement, it has not relied on, and shall have no right or remedy in respect of, any statement, representation, assurance or warranty (whether made negligently or innocently) other than as expressly set out in this Agreement. Nothing in this Clause shall limit or exclude any liability for fraud.

    l. No Waiver. The failure to exercise, or delay in exercising, a right, power or remedy provided by this Agreement or by law shall not constitute a waiver of that right, power or remedy. If We waive a breach of any provision of this Agreement, this shall not operate as a waiver of a subsequent breach of that provision, or as a waiver of a breach of any other provision.

    m. No Assignment. This Agreement is personal to You. You may not assign, transfer, sub-license, declare a trust of, mortgage, charge or deal in any other manner with this Agreement, or with any of Your rights or obligations under it, without Citi's prior written consent.

    APPENDIX - COUNTRY SPECIFIC AMENDMENTS

    a. Provisions applicable to Users registering from Japan

    You acknowledge that all intellectual property rights in Submitted Material assigned pursuant to Section 1 (b)(ii) of this User Agreement shall include the rights set forth in Article 27 and Article 28 of the Copyright Act of Japan. In addition, You shall not exercise the moral rights as author relating to such Submitted Material against Citi, its parents, affiliates, subsidiaries, licensees, sub-licensees, and/or all Website users.

    b. Provisions applicable to Users registering from Quebec, Canada

    The User Agreement, and the related documents, have been drawn up in English at the express wish of the parties. La présente entente, et les documents qui s'y rattachent, ont été rédigés en anglais à la demande expresse des parties.

    c. Provisions applicable to Users registering from India

    You acknowledge that You shall not exercise any moral rights as author relating to the Submitted Material against Citi, its parents, affiliates, subsidiaries, licensees, sub-licensees, and/or all Website users.

    d. Provisions applicable to Users registering from Singapore

    1. In addition to compliance with Section 7(d) above, all notices sent to the designated agent must meet the requirements of Regulation 3 of the Copyright (Network Service Provider) Regulations under the Singapore Copyright Act (Cap. 63).

    2. If You believe that Your Submitted Material that was removed or to which access was disabled is not infringing, or that You have authorisation from the copyright owner or the copyright owner's agent to Submit the Submitted Material, You may send a counter-notice to the designated agent in accordance with Regulation 6 of the Copyright (Network Service Provider) Regulations under the Singapore Copyright Act (Cap. 63).

    3. You acknowledge that if You fail to comply with all of the requirements of this paragraph d, Your notice or counter-notice may not be valid under the Singapore Copyright Act (Cap. 63).

    IF YOU HAVE ANY QUESTIONS CONCERNING THE AGREEMENT, PLEASE CONTACT US VIA EMAIL AT BlogComments@citi.com

    Copyright © 2012 Citigroup Inc.

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