Terms of Use and Privacy Policy

FinTech Innovation Lab is an informal association of sponsor and supporting organisations to the FinTech Innovation Lab Programme. Accenture (UK) Limited operates and administers this website (www.fintechinnovationlab.com) (“Site”) for and on behalf of FinTech Innovation Lab. For the purpose of the Site’s terms and conditions (“Terms of Use”) and the privacy policy (“Privacy Policy”), the terms “FinTech”, “we”, “us” and “our” refers to FinTech Innovation Lab comprising the association of sponsor and supporting organisations, including Accenture (UK) Limited, and its and their related or affiliated companies and organisations.

Terms of Use

Your continued access and use of the Site is conditional on your acceptance of and continued compliance with these Terms of Use. Any new features, functionality and/or content will also be subject to these Term of Use and any additional terms and conditions which will be notified from time to time. In addition to these Terms of Use and any additional terms and conditions, the Privacy Policy will govern how your personal information will be used on this Site, and together they form the agreement between you and us (the “Agreement”). Nothing in this Agreement will be deemed to confer any third-party rights or benefits. THIS AGREEMENT CONTAINS DISCLAIMER AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO YOU.

By accessing, browsing, using and/or downloading the pages in this Site, you agree to accept and comply with this Agreement for each use and visit to this Site. If you do not agree to accept and comply with this Agreement, you should not access, browse or otherwise use this Site.

FinTech reserves the right, at any time, to modify, alter, or update this Agreement, and you agree to be bound by such modifications, alterations, or updates. Such modifications, alterations, and updates shall be effective immediately upon posting. You agree to be bound by such modified, altered, and updated Terms of Use if You access or use this Site after We have posted notice of such modifications, alterations or updates.. You agree to regularly review this Agreement and to be aware of such revisions. Your use of this Site following any such change constitutes your agreement to follow and be bound by this Agreement as changed.

Content and Intellectual Property. Unless otherwise stated, the content of this Site including, but not limited to, the text , audio, video, html code, buttons and graphic images contained herein and their arrangement is our property or that of our licensors, and may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of the proper owner. All trademarks used or referred to in this Site are the property of their respective owners. Nothing contained in this Site shall be construed as conferring any license or right to any our copyright, patent, trademark or other proprietary interests or any third party. This Site and the content provided in this Site, including, but not limited to, graphic images, audio, video, html code, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without our prior written consent, except that you may download, display, and print one copy of the materials on any single computer solely for your personal, non-commercial use, provided that you do not modify the material in any way and you keep intact all copyright, trademark, and other proprietary notices. Except as expressly provided for in these Terms of Use, you acquire no rights in or to this Site.

Your Usage. You hereby confirm that you will comply with the following requirements in accessing and using this Site:
i. It is your responsibility to and you will comply with applicable laws, including without limitation, privacy laws, intellectual property laws and regulatory requirements.
ii. You have reviewed and will comply with these Terms of Use, together with any subsequent notices issued by us.
iii. It is your responsibility to protect your personal information (e.g. username, password, email address, address, phone numbers or other confidential information).
iv. Unless expressly stated otherwise herein and save as otherwise governed by the Privacy Policy, any information submitted by you through this Site shall be deemed non-confidential. You represent that you have the lawful right to submit such information and agree that you will not submit any information unless you are legally entitled to do so.
v. You will use this Site in an honest, lawful and professional manner for the purpose for which it is provided. Specifically, you will not (a) license, sub-license, publish, broadcast, distribute, use, copy, modify, create derivative works, sell or otherwise transfer any information found on this Site, save as expressly permitted (b) adapt, modify or create derivative works of this Site or reverse-engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code or underlying intellectual property used to provide this Site or seek to access this Site by means other than those stipulated by us (c) remove any copyright, trademark or other proprietary rights notices contained in or on this Site (d) disrupt or interfere with this Site.
vi. You represent and warrant that you will not use any robot, spider or other automatic Programme or device, or manual process to monitor, copy, summarize, or otherwise extract information from this Site or its content, in whole or in part, including, without limitation, creating any frames at any other websites pertaining to any portions of this Site.
vii. Further you represent and warrant that (a) all materials and information submitted by you via this Site is true, current and complete (b) that you have the right to provide it and for it to be used for its intended purpose and that it does not infringe the rights of any third party, including without limitation, any third party’s intellectual property rights, data privacy or confidentiality rights and (c) you must not submit any information or material which is unlawful, illegal, defamatory, derogatory, obscene or which may cause damage or offence.
Children Under 18. Children are not eligible to use our Site. If you are under 18, you can use this Site only in conjunction with your parents or guardians.

Changes. We may, within our sole discretion and without liability to you or any third party, modify, refine and/or change the specifications, features and/or functionality of this Site or discontinue the availability of this Site, in whole or in part.

Access to the Site. While FinTech Innovation Lab endeavors to ensure that this Site is available at all times, FinTech Innovation Lab will not be liable if, for any reason, this Site is unavailable at any time or for any period.

Limitation of Liability. THIS SITE IS PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS FOR INFORMATION PURPOSES ONLY. WE MAKE NO WARRANTIES OR REPRESENTATIONS, EITHER EXPRESS OR IMPLIED, AND DISCLAIM ALL SUCH WARRANTIES AND REPRESENTATIONS WITH RESPECT TO SITE (AND THE CONTENT AVAILABLE THEREIN) INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, INFORMATIONAL CONTENT, ACCURACY OR COMPLETENESS. NOTHING AVAILABLE VIA THIS SITE CONSTITUTES OR SHALL BE TAKEN AS PROFESSIONAL ADVICE, WHETHER TECHNICAL, FINANCIAL, LEGAL OR OTHERWISE. USER IS SOLELY RESPONSIBLE FOR ALL TECHNICAL, FINANCIAL, LEGAL AND OTHER DECISIONS MADE BASED ON SUCH INFORMATION.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE, OUR LICENSORS OR THE PARTICIPATING SPONSORS AND SUPPORTING ORGANISATIONS OF FINTECH INNOVATION LAB PROGRAMME, BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DAMAGES, LOST PROFITS, LOSS OF REVENUE OR BUSINESS, LOSS OF USE, LOSS OF DATA, OR ANY INCIDENTAL, CONSEQUENTIAL, DIRECT, INDIRECT, OR SPECIAL DAMAGES WHETHER UNDER CONTRACT, TORT, WARRANTY, OR OTHERWISE ARISING IN ANY WAY OUT OF OR IN CONNECTION WITH THIS SITE, ANY CONTENT ON OR ACCESSED THROUGH THIS SITE OR ANY SITE OR SERVICE LINKED TO, OR ANY COPYING, DISPLAYING, OR USE THEREOF, WHETHER OR NOT SUCH PARTY HAD ADVANCE NOTICE OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING WITHOUT LIMITATION FOR ANY ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMMUNICATIONS LINE FAILURE, THEFT, DESTRUCTION, ALTERATION OF, OR UNAUTHORISED ACCESS TO THE SITE OR YOUR INFORMATION OR MATERIALS TRANSMITTED VIA THE SITE, OR COMMUNICATIONS OR APPLICATIONS LOST, INCOMPLETE OR DELAYED WHETHER OR NOT ARISING DURING OPERATION OR TRANSMISSION AS A RESULT OF SERVER FUNCTIONS, VIRUS, BUGS OR OTHER CAUSES.

Indemnification. You agree to indemnify, defend and hold harmless FinTech Innovation Lab (including without limitation, the participating sponsors and supporting organisations of the FinTech Innovation Lab Programme, its and their members, managers, officers, employees, agents and the assigns of same) from and against any and all loss, costs, expenses (including reasonable attorneys’ fees and expenses), claims, damages and liabilities related to or associated with your use of the Site and any violation of these Terms of Use and/or any law or regulation by you.

Governing Law and Jurisdiction. These Terms of Use shall be governed by and construed in accordance with the laws of England. By using this Site, you hereby agree that any and all disputes regarding these Terms of Use will be subject to the exclusive jurisdiction of the Courts of England. These Terms of Use operate to the fullest extent permissible by law. If you attempt to bring any legal proceedings against FinTech, you specifically acknowledge that FinTech is free to choose the jurisdiction of our preference as to where such action against us may be held, without regard to where in the world you are located, or from where in the world you visited this Site.

Waiver. The delay or omission by either party to enforce or exercise any terms or right pursuant to this Agreement will not impair any such term or right nor be construed to be a waiver thereof and will in no way affect the other party’s right later to enforce it. Any waiver by either party of any covenants, conditions or agreements to be performed by the other party will not be construed to be a waiver of any succeeding breach thereof or any covenant, conditions or agreement herein contained.

Forward-Looking Statements. This Site may include forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “seeks” or words of similar meaning, or future or conditional verbs, such as “will,” “should,” “could” or “may.” A forward-looking statement is neither a prediction nor a guarantee of future events or circumstances, and those future events or circumstances may not occur. Actual future results and trends may differ materially depending on a variety of factors. We assume no obligation to update any of these forward-looking statements.

Third-Party Sites and Services. We are not responsible for the acts, omissions, products or services of any third party, including any referred to on this Site. Links on this Site may lead to services or sites not operated by us. No judgment or warranty is made with respect to such other services or web pages and Accenture takes no responsibility for such other web pages or services. A link to another site or service is not an endorsement of that site or service. Any use you make of the information provided on this Site, or any site or service linked to by this Site, is at your own risk. Your use of any site and or services linked or accessible through this Site may be subject to the relevant terms of such sites or services.

Miscellaneous. If any part of these Terms of Use is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity or enforceability of any remaining provisions. Any information related to your use of this Site for illegal purposes will be provided to law enforcement authorities. This Agreement constitutes the entire agreement between the parties relating to the use of this Site and supersedes and replaces any prior agreement and communication between the parties relating thereto.

Privacy Policy

This Privacy Policy is our policy regarding the privacy of personal information we collect online in connection with this Site and you agree that we may use any information you provide in accordance with this Privacy Policy.

Updates. We may need to change this Privacy Policy from time to time in order to address new issues and reflect changes on the Site or in the law. We reserve the right to revise or make any changes to this Privacy Policy and your continued use of the Site subsequent to any changes to this Privacy Policy will mean that you accept such changes. Therefore, please bookmark this page and review it periodically to assure familiarity with the most current version of the Privacy Policy. We will post the current Privacy Policy here so that you will always know what information we gather, how we might use that information, and when we will disclose that information to third parties. You can tell that the Privacy Policy has been updated by checking the last revised date posted on the top of this page.

Information We Collect. FinTech Innovation Lab may collect and retain personal information that individual visitors provide when interacting on the Site, or voluntarily at certain other points (such as via forms, applications or emails) (“Information”). If you contact us, we may keep a record of your correspondence, including any Information contained therein. The personal information we may collect includes your name, mailing address, URL, e-mail address, phone number, resume, business plans, financial data and other data you voluntarily submit via the Site.

Cookies and Other Tracking Technologies.

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your computer or mobile device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognizes that cookie. Cookies are useful because they allow a website to recognize a user’s device. You can find more information about cookies at: www.allaboutcookies.org and www.youronlinechoices.eu.
Cookies do many different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improving the user experience. They can also help to ensure that the advertisements and other content you see online are more relevant to you and your interests. They can be set by the website that you are visiting (known as first party cookies) or by another entity such as an advertising network (known as third party cookies).The cookies used on this website have been categorized on the basis of the four categories found in the ICC UK Cookie guide. A list of all the cookies used on this website by category is set out below. Within the four categories, cookies can either be session or persistent. Session cookies are temporary and once you close the browser window they are deleted from your device. Persistent cookies remain on your device for a longer period and are used by the website to recognize your device when you return.

What other tracking technology do we use?

We may also use web beacons or other technologies for similar purposes and we may include these in marketing e-mail messages or our newsletters to determine whether messages have been opened and links clicked on. Web beacons do not place information on your device, but may work in conjunction with cookies to monitor website activity.

What if I don’t want cookies?

By using our website you agree that we can place cookies and other similar technologies on your device as explained below. If you want to remove existing cookies from your device you can do this using your browser options. If you want to block future cookies being placed on your device you can change your browser settings to do this. For more information on managing cookies see www.allaboutcookies.org/manage-cookies. Current “Do Not Track” initiatives are not recognized by our website.

Please bear in mind that deleting and blocking cookies will have an impact on your user experience as parts of the website may no longer work. Unless you have adjusted your browser settings to block cookies, our system will issue cookies as soon as you visit our website or click a link in a targeted email we have sent you, even if you have previously deleted our cookies.

You cannot remove or block web beacons or personalized URLs, as they form part of the content of web pages and emails rather than placing information on your device. But, as they work in conjunction with cookies, turning off cookies will also prevent any web beacons from tracking your user activity on our site. The web beacon will still account for an anonymous visit, but your unique information will not be recorded.

What types of cookies are there and which ones does this website use?

Performance cookies – These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is anonymous and is only used to improve how a website works.

We categorize the following as performance cookies:

  1. Referrer URL (internal page) – Used to store the URL of the previous page visited. Allows us to track how visitors navigate through our website.
  2. Referrer URL (external page, including if you click on links on social media pages). Used to store the URL which refers a visitor to our website so we may understand what URLs are referring visitors to our website.
  3. URL history – Used to store the page visited by a user before that user submits a form. Also, used to display recently viewed articles to each visitor.
  4. Session management cookies – These cookies allow us to follow the actions of a user during a browser session. A browser session starts when a user opens the browser window and finishes when they close their browser window. Our session management cookies are created temporarily. Once you close your browser, our session management cookies are deleted.
  5. Functionality cookies – These cookies allow a website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local information or news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, font and other parts of web pages that you can customize. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. These cookies cannot track your browsing activity on other websites. They don’t gather any information about you that could be used for advertising or remembering where you’ve been on the internet outside our website.

We categorize the following as functionality cookies:

  1. Recently viewed pages – Stores pages visited by the user on our website and displays them in right hand navigation for easy reference.
  2. Search history – Stores searches on our website conducted by the user and displays them for the user in the right hand navigation for easy reference.
  3. Registered Visitor Cookie – A unique identifier given to each registered user to our website, used to serve them content and offers based on their profiles. Also used for analysis and marketing purposes (See also: Use of cookies for marketing and analytics below).

We use Google Analytics cookies to help provide this information. For further information on Google’s use of cookies and its privacy practices, see its privacy policy on Google’s website: http://www.google.com/intl/en/policies/privacy/.
Targeting cookies – These cookies are used to: (1) deliver advertisements that are targeted to be relevant to you, (2) limit the number of times you see an advertisement, and (3) help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organizations such as advertisers. Quite often they will be linked to website functionality provided by the other organization.
We do not have third party advertising on our website but these cookies may be used on third party websites and third parties may use them on our website as follows:

  1. Third party social media websites may log information about you, for example if you click an “Add This” or “Like” button for a social media website while on our website. We do not control such websites or their activities. You may be able to find information about social media websites on the websites themselves. We recommend you read the terms of use and privacy policy of such websites before using them.
  2. We partner with ShareThis on our website. ShareThis is a widget on the website that enables users to share content from the website with others through social media websites such as Facebook and Twitter. ShareThis includes cookies on the website which collect information on how users use the website and associate users with topics of interest, based on the content they share. This data will be used for analytics on the website (creating statistics as to what is most popular and how many people are sharing particular content) and to determine how to target advertising on other external websites. ShareThis may share its analytical data with us. ShareThis does not use personal identifiers of users (such as names and e-mail addresses) for these purposes and identification is solely by an anonymous identifier. For further information about ShareThis, the cookies it uses and how to opt out of ShareThis cookies, please refer to their website [www.sharethis.com/privacy].

Use of cookies for marketing and analytics – We may use information collected from our cookies to identify user behavior and to serve content and offers based on your profile, and for the other purposes described below.
Some of the cookies we use don’t collect information that identifies a visitor. For example –

  • Performance cookies (see above)
  • Targeting cookies (see above) where you are not a registered user
  • In other cases we can associate cookie information (including information from cookies placed via our advertisements on third party sites) with an identifiable individual. For example –
  • If we send you a targeted email which includes web beacons, cookies or similar technologies we will know whether you open, read, or delete the message.
  • When you click a link in a marketing e-mail you receive from us, we will also use a cookie to log what pages you view and what content you download from our websites, even if you are not registered at or signed into our site.
  • Non-cookie tracking technologies – We also employ technologies that perform similar functions to cookies, but that may not respond to browser settings intended for use with cookies. These include personalized URLs (PURLs), web beacons, and other similar technologies.

How We Use Your Information and Who Has Access. The Information that we may collect and that you provide to us is used for our business purposes and the purpose for which you provided it, including, without limitation, to assess your application to FinTech Innovation Lab Programme and to respond to your requests or correspondence. The Information may also be analyzed so that we can serve you in the best manner possible on our Site through enhanced features and functions and to provide you with useful information. Any information you provide via the Site may be provided to (i) FinTech Innovation Lab, its participating sponsors and each of their respective affiliates, personnel, representatives and advisors, (ii) our agents, contractors, representatives and other organisations which are engaged to support, organise and facilitate its operations and Programme of events (iii) members of the judging panel and the entrepreneur mentors and (iv) senior technology officers of the participating sponsor financial services firms on a “need to know” basis in connection with the review of the information and your participation in FinTech Innovation Lab Programme.

Other than the foregoing, we will not disclose any personal information to third parties without your permission, except (i) to parties who perform service for us; (ii) when we believe that such disclosure is required by law, regulation, decree, judgment, order, subpoena or any other governmental order; (iii) to enforce this Policy; (iv) to protect the rights, property, security or safety of FinTech Innovation Lab, its sponsors and the supporting organisations to the FinTech Innovation Lab Programme, Site users or the public; (v) to respond to an emergency; or (vi) as otherwise stated in this Privacy Policy.

Where Your Information is Located. This Site is hosted in the United Kingdom. By accessing the Site and by submitting your Information, you consent to its transfer and storage in the United Kingdom and its use by us as provided for herein.

Third Parties. We may employ third-party agents or third-party service providers to operate the Site and to perform functions on our behalf, such as sending postal mail and e-mail and analyzing data or other administrative tasks. These third-parties have access to the information needed to perform their functions. We seek to limit such third-parties to using the information that is shared with them solely for the purpose of providing such services. In addition, we may disclose Information to certain third parties if you have requested or authorized the disclosure of such Information.

Transfer of Information to Third Parties Upon a Sale or Change of Control. We retain the right to transfer or assign all information pursuant to a merger, purchase or other transaction relating to FinTech Innovation Lab, its sponsors or the supporting organisations to the FinTech Innovation Lab Programme or our or their assets.

How Your Information Is Protected. We take reasonable precautions to protect your information from loss, misuse or alteration. All of our employees, agents and contractors who have access to personal information are required to protect the confidentiality of this information in a manner consistent with this Privacy Policy. You should recognize, however, that there is no such thing as “perfect security” on the internet and we cannot guarantee the security of your Information. We cannot be liable for any breach of our systems or interception of our transmission and we hereby fully disclaim, to the fullest extent provided under law, any liability associated with any claim relating to a breach of security, data or information.

Other Communications. From time to time, we may e-mail Site users information regarding important developments affecting FinTech Innovation Lab. We may also e-mail Site users on occasion regarding the Site. Such e-mails may be sent to Site users even if they have not requested to receive any communication from us.

How You Can Correct Your Information and Contact the Site. You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise this right at any time by contacting us. You are entitled to know whether we hold information about you and, if we do, to have access to that information and require it to be corrected if it is inaccurate. You can do this by sending us an e-mail. Please contact us at fintechlab@accenture.com if you have any questions or concerns regarding the Site, the Terms of Use or this Privacy Policy. You may also contact Accenture (UK) Ltd at Financial Services Marketing, 30 Fenchurch Street, London, EC3M 3BD.