The following paragraphs outline terms and conditions which govern the use of  http://www.theibanker.com website and all content, services and products available at or through the website, including, but not limited to, associated blogs and websites (“the Website”).

The Website is owned, managed and operated by The ibanker Ltd (together “ibanker.”). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, guidelines, procedures and policies which may be published from time to time on this Website by ibanker (collectively known as the “Agreement”).

Make sure to read these Terms of Service carefully before using the ibanker Website.  By accessing or using any part of the web site, you agree to adhere to the terms and conditions of the Terms of Service. Should you not agree to the terms and conditions of within the Terms of Service, then you are not permitted to access the Website or use an of our services.

The Website is available only to individuals who are at least 13 years old.

Intellectual Property Rights
The entire contents of the ibanker Website (including all data, information, text, photos, displays, images, video and audio) including the design are owned by the ibanker and are protected by international laws regarding copyrights, trademarks and other intellectual property rights.

You are permitted to use the ibanker Website for personal, non-commercial use only. You are not permitted to copy, modify, create derivative works of, publicly display or perform, republish, download or store, or transmit any of the material on our site without the prior written consent of the ibanker.  You are not permitted to amend or modify the paper or digital copies of any materials from this Website.  You are not permitted to sell or exploit for commercial purposes any part of the Website.  If you wish to make use of any part of the Website please contact us on: info (at) theibanker.com

You may choose to submit pictures and/or textual content to ibanker Ltd. These are collectively referred to as “Submissions”. ibanker does not guarantee any confidentiality with respect to any Submissions.

You will be solely responsible for your Submissions. In making any Submissions, you affirm, represent, and/or warrant that you own or have all the necessary licenses, rights, consents, and permissions to use and authorize ibanker to use all patent, trademark, trade secret, copyright or other intellectual property or proprietary rights in and to any and all Submissions to enable inclusion and use of the Submissions in the manner contemplated by ibanker.  You will retain ownership of all copyrights you provide as part of your Submissions.  However, by providing ibanker Submissions, you hereby grant ibanker a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, adapt, modify, sell, reproduce, distribute, prepare derivative works of, display, and perform the Submissions (in whole or in part), for any purpose whatsoever, and to incorporate Submissions in other works in any form, media, or technology now known or later developed.  The foregoing license shall be broadly construed, and shall include, without limitation the right to: (i) promote and redistribute part or all of the Submissions (and derivative works thereof) in any media formats and through any media channels, (ii) incorporate the Submissions on tangible or intangible products (e.g., cups, clothing) for resale or otherwise, and (iii) use the Submissions for promotional purposes, whether to promote the Websites, other ibanker products or services, or third party products or services.
By way of clarification and not limitation, you acknowledge that you will not be entitled to any royalties or any other payment as a result of any efforts by ibanker to exploit any Submissions.  By way of further clarification, ibanker may freely sublicense the rights that you grant it in this Section to a third party.  To the extent necessary for ibanker to exercise its rights under the foregoing license, you hereby grant ibanker a perpetual, royalty-free and irrevocable license to exploit any personality, publicity, or privacy rights in and to the Submissions and in your likeness as contained therein. You also hereby grant each user of the Website a non-exclusive license to access your Submissions through the Website, and to use, reproduce, distribute, display and perform such Submissions as permitted through the functionality of the Website and under these Terms of Service.
In connection with Submissions, you further agree that you will not submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy, personality and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant ibanker all of the license rights granted herein.
ibanker does not endorse any Submission or any opinion, recommendation, or advice expressed therein, and ibanker expressly disclaims any and all liability in connection with Submissions.  ibanker does not permit copyright infringing activities and infringement of intellectual property rights on its Website, and ibanker will remove Submissions if properly notified in a manner consistent with law.
If you provide feedback to us regarding the Website, content, or Submissions, you authorize use it without restriction and without payment to you. Accordingly, you hereby grant to us perpetual and irrevocable license to use the feedback for any purpose.
Contributions cannot contain any material which is indecent, slanderous, obscene, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable.
We reserve the right to remove or delete any post or comment for any reason in our discretion.