Bankers' Law

Bankers Law

Privacy Policy

Bankers’ Law Privacy Policy Introduction

At Bankers’ Law, we take the privacy of our readers, authors, and website visitors seriously. As one of the most respected journals in banking law and practice, we understand the significance of individual and corporate privacy in today’s cyber world. This Privacy Policy describes the personal information that we collect through the websites or other portals managed by Bankers’ Law, and how we may use and protect it. It also describes your rights with respect to the information we collect (“your rights”). In addition, it sets out our obligations to you in relation to any applicable privacy or internet privacy legislation applicable to you in your country and in Illinois (in the USA), and jurisdictional equivalent. Please read this Privacy Policy carefully and if you have any questions about it, contact us at [email protected] or call (773) 559-7043.

Who We Are

Bankers’ Law is a niche legal journal that provides substantial resources for lawyers and other professionals engaged in banking, financial, or legal work. Our editorial team is comprised of individuals with significant expertise in the area of banking law and we publish to a worldwide audience of lawyers, academics, financial professionals, and students. Our physical office address is: 1 N Dearborn St Ste 25, Chicago, IL 60602-4206, United States. We can be found on the World Wide Web at https://bankerslaw.net/. Our privacy policies apply to all jurisdictions in which our consumers, contributors, and affiliates are located.

Scope of this Privacy Policy

This Privacy Policy is applicable to all personal information collected by Bankers’ Law via our website (https://bankerslaw.net/), e-mail communication, or otherwise in connection with any Bankers’ Law delivered services, digital content, or materials. Visitors, subscribers, contributing authors, and any other third party visitors to Bankers’ Law’s website are included within the scope of this Privacy Policy. Any third party website/services referenced herein or linked to from Bankers’ Law’s website are subject to their own privacy policies and practices and we encourage our subscribers and readers to review those third party privacy policies as well.

Information We Collect

Bankers’ Law gathers information in order to provide you with quality content, enhance our services, and offer a safe environment. Such information may include:

  • Personally identifiable information, such as name, email address, postal address, telephone number, and professional qualification when you register, submit an article, or post a comment with us directly.
  • Usage information, such as your IP address, browser type, operating system, referring URL, pages accessed and times viewed, and device information (obtained through the use of cookies and analytics software).
  • Content submission information, such as information included in articles, comments, or other correspondence from us to you or from you to us. Such content submissions may include your professional or academic association.
  • Voluntary correspondence containing information that you voluntarily send to us when you contact us for questions, comments, or support.

How We Use Your Information

We collect this information for a variety of legitimate purposes, including the following:

  • To provide you with access to journal articles, materials, and updates
  • To facilitate user registration and contributor submissions
  • To communicate with readers, authors, and collaborators
  • To customize content and deliver recommended articles and materials
  • To enhance websites (including functionality, security, and web analytics)
  • To conduct analytics and research in support of our products, services, and systems
  • To fulfill legal and regulatory requirements
  • Responding to requests for information, technical and customer service

We do not sell or rent personal information to any third parties. Sharing with service providers (e.g., hosting or analytics) is governed by strict confidentiality requirements and a data processing agreement.

Legal Grounds for Processing Your Personal Data

Bankers’ Law processes personal data on multiple legal bases in accordance with applicable privacy laws including the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other applicable laws, which include:

  • Your consent (where you voluntarily provide us with information, for example to receive communications)
  • The necessity of processing for the purpose of the performance of a contract (for example, processing you may need to fulfil a request for access to articles we publish, or responding to queries)
  • Compliance with a legal obligation
  • Legitimate interests, such as delivering our services, security, and maintaining communications with our audience

You have the right to withdraw your consent at any time subject to contractual or legal restrictions.

Cookies and Tracking Technologies

Our website utilizes cookies and other tracking technologies to improve your experience. Cookies are small files stored on your computer and used to remember information about you, analyze your use of our website, and provide relevant content. We use first-party cookies for our site functionality, and third-party cookies for analytics (e.g., Google Analytics) and modules such as those displaying embedded content. You may disable the use of cookies in your browser settings.

We use both first party and third party cookies for site functionality, analytics, and modules such as those displaying embedded content like videos. You may disable the use of cookies in your browser settings. For more details, please see our Cookie Policy.

Analytics and Performance Monitoring

Bankers’ Law leverages analytics tools to track our site’s responsiveness, analyze user behavior, and enhance our products. We gather aggregated and de-identified data such as page traffic, session duration, and referrers. These stats allow us to analyze hot topics, improve site navigation, and ensure the best user experience. Analytics information is collected as provided by applicable privacy laws; we do not use analytics information to identify any individual users unless we have their prior consent.

How We Share Your Information

We only disclose your information in certain limited circumstances, such as the following:

  • To companies that provide us website hosting, email delivery, analytics, security, quality, audit, and other services (which are obligated to treat the information as confidential under a contract).
  • To editorial contributors or reviewers where relevant, for example where disclosure of your personal information is necessary for comment submission or the peer review process (or where you otherwise consent to the disclosure).
  • Where disclosure is required by an applicable law, regulation, requirement, or legal process, for example in order to comply with a subpoena or a request from a government body.
  • In the event of a business transfer (such as a merger, acquisition, sale of assets) in which case your data will remain subject to this Privacy Policy.

Your personal information will never be shared with advertisers or any third party not directly involved with Bankers’ Law.

International Transfers

As an international publication, Bankers’ Law may transfer and store your information to jurisdictions outside of your jurisdiction of residence, including in the United States of America and the European Union. Bankers’ Law will take all commercially reasonable measures to ensure that your data is adequately protected in compliance with applicable privacy standards, including but not limited to the use of standard contractual clauses, data processing agreements, and other secured data storage methods.

Data Security and Protection

Bankers’ Law implements appropriate technical and organizational safeguards to help protect your data from unauthorized access, loss, misuse, alteration, or destruction. Security measures include:

  • Secure (HTTPS) connections for its websites
  • Encryption of sensitive information during transmission and at rest
  • Regular testing of security systems and applications
  • Restricting access to personal information to authorized personnel
  • Data back-up and disaster recovery

While Bankers’ Law is committed to taking reasonable security measures, no method of transmission over the Internet or other method of electronic storage is 100% secure. Users should exercise caution when using the Service by using strong passwords, logging out of the Service when not in use, using virus protection software, and similar practices.

Storing Your Personal Information

We will keep Personal Information on file for as long as is necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements, or as otherwise communicated at the time of collection. How long personal information should be retained by Bankers’ Law will vary according to the individual’s relationship with Bankers’ Law (subscriber, contributor, or reader) but will be restricted to the minimum amount of time necessary. When your Personal Information is no longer needed, we securely delete or anonymise it.

Your Rights and Choices

Depending on your jurisdiction, you have the following rights regarding personal information about you:

  • Access: The right to request a copy
  • Correction: The right to request rectification of inaccurate or incomplete personal information
  • Deletion: The right to request deletion
  • Restriction: The right to request restriction of processing under certain circumstances
  • Objection: The right to object to the processing of your personal information for certain purposes
  • Data Portability: The right to request transfer of your personal information to another service provider as detailed above
  • Withdrawal of Consent: The right to withdraw your consent at any time in relation to data processing based on your consent

If you wish to exercise any of these rights, please contact us at [email protected] or (773) 559-7043. We will consider and act upon any request in accordance with applicable laws.

Children’s Privacy

Bankers’ Law does not knowingly collect or solicit personal information from anyone known to be a child under age 16. Our content and services are offered only to legal and financial professionals, and academics and students of the age of legal majority. If we learn that we have collected personal information from a child without verifiable parental consent, we will delete such information as soon as practicable. If you believe that a child has provided us with personal information, please contact us at [email protected].

Links and Information Provided by Third Parties

We have included links to third party websites, resources, or embedded content (for example, articles, legal databases, or academic repositories). Bankers’ Law has no control over any such sites and is not responsible for their privacy practices. Before you visit any external sites or provide any information to any third party sites we recommend that you review their privacy policies.

Contributors and Author Privacy

If you submit articles, comments, or other content to Bankers’ Law, we may collect supplemental information about your professional affiliations, educational credentials, and background. Author names, credentials, and professional biographies may be included with publications according to editorial policy and contributor agreements. We will honor the confidentiality of peer review activity and safeguard sensitive author and reviewer information in compliance with our best practices.

Communications & Marketing Choices

Bankers’ Law may send you messages related to journals, new articles, events, or other news of interest regarding banking and finance. You can change your communication preferences, or unsubscribe from non-service emails at any time via the instructions contained in our messages or by contacting [email protected]. Service-related communications (e.g., account verification, notification related to legal process, response to support request, etc.) may not be opted-out of.

International Visitors Data Protection

Given our international audience of readers and contributors, Bankers’ Law will take all steps necessary to ensure compliance with all applicable data protection laws including the GDPR (for those who reside in the European Economic Area (“EEA”)) and the CCPA for residents of California, where applicable. Where required we obtain consent to data processing and provide settings for users to manage their settings under these laws. We also work together with data protection supervisory authorities to the extent required.

California Privacy Rights

If you reside in the state of California you have certain rights under the California Consumer Privacy Act (the CCPA) including the right to request information concerning the categories or specific pieces of personal information that are collected and from whom; request deletion of your personal information; and the right to opt-out of the sale of personal information (Bankers’ Law never sells personal information). Should you wish to exercise any of your rights under this law please write to [email protected] or call (773) 559-7043.

European Union Data Subject Rights

For end users in the European Union or the EEA (“EU End Users”), Bankers’ Law is a data controller with respect to personal data collected from EU End Users through our website and services. You may lodge a complaint with your local supervisory authority if you consider that our processing of your personal information infringes upon your data protection rights. We will take reasonable measures to address concerns and will cooperate with you to make improvements effectively.

Amendments to this Privacy Policy

Bankers’ Law may revise this Privacy Policy periodically to reflect changing legal standards, technological developments, and/or changes in our business practices. Substantial changes will be reflected on our website with a new effective date posted. We recommend that you periodically review this policy in order to stay current with how we treat your information. Any use of our website and service after we post a marked change in the policy is acceptance of such change.

How to Contact Bankers’ Law about Privacy

If you have any questions, concerns, or service requests with respect to this Privacy Policy or our practices for the handling of data and information, please reach out to us by email at [email protected], by phone at (773) 559-7043, or by mail at Bankers’ Law, 1 N Dearborn St Ste 25, Chicago, IL 60602. Our staff will respond in short order to assist you with your questions, concerns, and service requests in support of your privacy entitlements. For more details, you may also visit our Contact Bankers’ Law page.

Further Information for Users

For additional information on how we handle your information, including how long we retain information, our security practices, or our handling of information transferred internationally, please contact our privacy team using the contact details above. We are committed to transparency and are pleased to provide further explanation on any area of our privacy practices.

Your Consent and Acknowledgement of Terms

By accessing Bankers’ Law’s website, and/or subscribing to updates to such, and/or submitting content to this site you acknowledge that you have read and understood this Privacy Policy. Your continued use of this site constitutes your agreement to the above collection, use, and protection of data. If you do not agree with any part of this policy please discontinue any use of this site and contact us for further assistance. For more information, please also review our Terms of Use.

Commitment to Privacy Standards

At Bankers’ Law, privacy is an essential feature of our mission to provide reliable, scholarly, and practical information about the law. We have been working hard to maintain the highest standards of data protection for our worldwide community of legal practitioners, academia, and financial industry players. We appreciate you trusting Bankers’ Law for authoritative and informative content on the law and practice of banking.