Bankers' Law

Bankers Law

Cookie Policy

Introduction to Our Cookie Policy

Bankers’ Law is committed to privacy and to keeping your experience on our site as satisfying and safe as possible. Bankers’ Law is a journal published for the global community of practitioners, academics, and participants in the finance industry. So we have a special sensitivity about transparency – especially when it comes to any information we may collect about you and how this information is used. This Cookie Policy defines what cookies are, how and why we use cookies on the Bankers’ Law website (https://bankerslaw.net/), and your choices regarding their use and management. By visiting our website, you consent to the use of cookies as explained below. We invite you to read the rest of this policy carefully so that you fully understand what we do and how this affects your use of our site.

What are cookies and why are they used?

Cookies are small text files placed on your mobile device or computer (e.g. laptop, tablet, or phone) when you visit a website, which store information about your visit to our Website and to other sites on the Internet. Cookies are commonly used across the Internet to enable website functionality, customize content and provide analytic information to website operators. At Bankers’ Law, cookies are used for various purposes and serve some of the following functions: enabling and/or enhancing functionality; helping us analyze visitors’ use of resources; and assisting us in improving the ease of use of the Journal’s website and content. Some cookies also enhance security by verifying users and/or preventing fraudulent use of their information.

Types of cookies used on Bankers’ Law

To offer you a customized, better service, Bankers’ Law uses several cookie types:

  • Strictly Necessary Cookies: These cookies are essential to the proper operation of our website and cannot be disabled in our system. They include cookies that enable you to log into secure areas, move between webpages and access certain features.
  • Performance and Analytics Cookies: Performance cookies collect information regarding website visitors’ activities, ranging from the pages visitors frequently visit, to where they are navigating across the webpage, etc. The information we receive helps us improve our webpage performance and relevance for our users. Analytics cookies also help us detect any technical issues and enhance user experience.
  • Functionality Cookies: These cookies allow our webpage to remember user choices (such as language choice or personalized settings) related to usage and provide improved, more personalized features.
  • Third-party Cookies: Some of the cookies on our webpage are placed on your computer by trusted third parties. We may use cookies by analytics service providers (e.g., Google Analytics), or social media pages to deliver better content and measure the amount of traffic. We choose third-party services that are in line with their privacy policies.

How we use cookies to improve your experience

The most important reason we use cookies is to enable us to deliver a safe, reliable and informative site. Cookies allow us to:

  • Authenticate users and maintain secure login sessions for our registered professionals who are entitled to access premium content
  • Remember what site configuration properties an end-user selected for content display (e.g. language, font size), so that we can allow them to visit us repeatedly without having to set the configuration properties over and over again
  • Track and analyze user behavior in order to determine what content is most important to the network of legal or banking professionals, academics and others
  • Test different site features and functionality to help ensure the updates are beneficial to users
  • Help fight against fraudulent and abusive activity and preserve the integrity of our resources

Now that we better understand who uses this site, and how our audience interacts with it, we can adapt the design, navigation and content of the Bankers’ Law journal.

Managing your cookie preferences

Our goal is to empower users to take control over what personal data we collect. When you first visit the Bankers’ Law website, a cookie consent banner will appear offering you the opportunity to consent to, or to manage your cookie settings. You can opt to allow or to prevent certain types of cookies, except for the essential ones we need so that the site runs smoothly. You are welcome to change your settings at any time by going to the cookie settings link in the website footer.

You can also manage cookies through your browser’s preferences settings. Most browsers allow users to see what cookies are stored on their respective devices and whether or not to delete them, as well as whether one or more cookies can be prevented from being placed in the future. Please understand that if you delete or block certain cookies, this may impact the working, capability and/or overall performance of our website, particularly with regard to secure or tailored functionality.

More about cookies we set

  • Session Cookies: Temporary cookies that have a shorter lifespan and are valid while your web browser is open. These support secure authentication, page navigation and maintain a record of your activities within a browsing session. Session cookies are deleted when you close your web browser.
  • Persistent Cookies: Stored on your device for a defined period of time or until you delete them. Persistent cookies allow us to remember your preferences and log-in credentials for future visits, improving the ease of interaction.
  • Analytics Cookies: Set to measure site traffic, understand how users interact with content and identify potential areas for optimization. Information gathered is anonymized and used strictly for internal analysis.
  • Functionality Cookies: Used to store user preferences and settings like your chosen jurisdiction or font size, thereby facilitating repeated use and enjoyment.
  • Third Party Cookies: Set by external services we use on our site e.g. Google analytics, LinkedIn share functionality, academic citation tools and others. Use of cookies set by such third parties will be in accordance with such third parties’ privacy policies.

Third party cookies and embedded content

Bankers’ Law occasionally contains content and tools such as embedded videos, sharing buttons and reference management services from trusted third-party providers. These providers may place their own cookies on your computer in order to monitor usage or tailor content. Such third parties include, for example, Google Analytics (website statistics), LinkedIn (sharing of articles such as this) and Mendeley (academic referencing). While we do our utmost to use only trusted partners, we encourage you to review the privacy and cookie policy of any third party service you use in conjunction with our site. Bankers’ Law is unable to control a third party’s use of its cookies and is not responsible for same.

How we keep your data safe

Your privacy is important to us. Bankers’ Law does not employ cookies for recording sensitive personal data, such as your name, address, or other payment information, unless you voluntarily provide us with such data through our secure forms. Cookie information is used by the website in accordance with applicable privacy law and only for the purposes described in this policy. We don’t sell or rent cookie-derived information to unaffiliated third parties for marketing purposes. Our personnel periodically review technical and organizational measures intended to protect data from accidental or unlawful destruction and ensure compliance with international privacy laws, including the General Data Protection Regulation (“GDPR”), where applicable.

Cookies and data security

We enforce stringent security protocols designed to protect the confidentiality and integrity of the information we collect through cookies. All data exchanged between the browsers of users and our data centers are encrypted using standard modern secure protocols (HTTPS). Only authorized personnel with specific needs (who need it for handling the website, monitoring its performance, fixing technical problems, etc.) have access to the cookie data. Information security and vulnerability scans are performed on a regular basis to reduce the exposure to risks, and we act fast on all potential threats and vulnerabilities. In case of a cookie data breach, we will contact affected users in accordance with the law and take all proper actions to mitigate any potential impact.

International users and data transfers

Content on Bankers’ Law is produced for an international readership. Many of our users are from the US, UK, Australia, continental Europe, and elsewhere. Information that is collected via cookies may be transferred to and processed in other jurisdictions. We make reasonable efforts to ensure that the transfer of information complies with applicable legal requirements and protect your rights even if your data is processed in a country different from your jurisdiction. Use of the website, and submission therein, signify your consent as to the transfer of your information as set forth in this Cookie Policy.

Children’s privacy and cookies

BANKERS’ LAW is intended for use by law professionals, academic settings, and business adults in the banking industry and financial community. We do not knowingly collect personal information from children under 16 years old. If you are a parent or guardian and you believe your child has submitted personal information through our website, please notify us at [email protected]. We will investigate promptly and take the necessary action to remove such information from our systems.

Your rights and choices

You have the right to access, update and request deletion of personal data collected by Bankers’ Law as well as information collected via cookies. Also, you may object to some of the processing or require the restriction of the use of your personal information. Please send such requests or if you have any questions regarding our processing of your personal information you may email us at [email protected] and we will respond to these requests or questions quickly and transparently as required by applicable privacy laws.

Changes to this cookie policy

We regularly update the Cookie Policy to reflect developments in technology, laws and regulations, and on how we operate our website. The policy will be updated on this page with the effective date stated. Please check this policy from time to time to make sure that you are aware of the current use of cookies and how the cookies affect your privacy. Your continued use of the Bankers’ Law website page following posting of changes will mean that you accept those changes.

Contact us

If you have questions or comments, including about our Cookie Policy, your personal data, or your rights as a user, please contact us:
Bankers’ Law
1 N Dearborn St Ste 25
Chicago, IL 60602
Phone: (773) 559-7043
E-mail: [email protected]
Website: https://bankerslaw.net/

We are committed to upholding the highest standards with respect to privacy and transparency of information for a network of fellow legal and financial experts. For more information, please visit our Privacy Policy or Contact Bankers’ Law page.

Conclusion and your consent

By visiting the Bankers’ Law site, you signify that you have read, understood and agreed to our use of cookies as described in the cookie policy. We will respect your privacy while bringing you authoritative and useful materials on banking law. If you are interested in finding out more about how to change your cookie settings, or otherwise exercise your data rights, please do get in touch with our team directly. Thank you for relying upon Bankers’ Law as your trusted source of banking and financial law journals and resources.