Terms & Conditions

Unless otherwise stated, all intellectual property rights in any and all data, documents, images and other information accessible on or via this site is owned by  Moody’s Analytics, Inc. and/or its licensors and affiliates (collectively, “MOODY’S”)..

You acknowledge and agree that your use of such data, documents, images and other information is subject to the terms and conditions of your licence agreement with Moody’s Analytics, Inc. and/or its licensors and affiliates (collectively, “MOODY’S”). In particular, you acknowledge and agree that the data, documents, images and other information may only be used by you for your own internal business purposes and may not be disclosed to any third parties for any purpose

Legal Statement

The information on this website is intended only for prospects and clients of  Moody’s Analytics, Inc. and/or its licensors and affiliates (collectively, “MOODY’S”).

© 2013 Moody’s Analytics, Inc. and/or its licensors and affiliates (collectively, “MOODY’S”). All rights reserved. ALLINFORMATION CONTAINED HEREIN IS PROTECTED BY LAW, INCLUDING BUT NOT LIMITED TO, COPYRIGHT LAW, AND NONE OF SUCH INFORMATION MAY BE COPIED OR OTHERWISE REPRODUCED, REPACKAGED, FURTHER TRANSMITTED, TRANSFERRED, DISSEMINATED, REDISTRIBUTED OR RESOLD, OR STORED FOR SUBSEQUENT USE FOR ANY SUCH PURPOSE, IN WHOLE OR IN PART, IN ANY FORM OR MANNER OR BY ANY MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODY’S PRIOR WRITTEN CONSENT. All information contained herein is obtained by MOODY’S from sources believed by it to be accurate and reliable. Because of the possibility of human or mechanical error as well as other factors, however, all information contained herein is provided “AS IS” without warranty of any kind. Under no circumstances shall MOODY’S have any liability to any person or entity for (a) any loss or damage in whole or in part caused by, resulting from, or relating to, any error (negligent or otherwise) or other circumstance or contingency within or outside the control of MOODY’S or any of its directors, officers, employees or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication or delivery of any such information, or (b) any direct, indirect, special, consequential, compensatory or incidental damages whatsoever (including without limitation, lost profits), even if MOODY’S is advised in advance of the possibility of such damages, resulting from the use of or inability to use, any such information. The ratings, financial reporting analysis, projections, and other observations, if any, constituting part of the information contained herein are, and must be construed solely as, statements of opinion and not statements of fact or recommendations to purchase, sell or hold any securities. NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY SUCH RATING OR OTHER OPINION OR INFORMATION IS GIVEN OR MADE BY MOODY’S IN ANY FORM OR MANNER WHATSOEVER. Each rating or other opinion must be weighed solely as one factor in any investment decision made by or on behalf of any user of the information contained herein, and each such user must accordingly make its own study and evaluation of each security and of each issuer and guarantor of, and each provider of credit support for, each security that it may consider purchasing, holding, or selling.

Participation Policy

Weblog Comments

Our blog will cover a variety of topics relating to the financial services industry, and we encourage you to participate by making comments.  Comments on our blog on this site are pre-moderated, which means an administrator must approve them before they become visible.  We do this as a precaution against spam or offensive content, and not as a way of limiting valid discourse.  Please follow the guidelines below before posting a comment:

Once you have submitted a comment, we will endeavour to review it as quickly as possible.

Knowledge Base Article Reviews

Our Knowledge Base is open to the public at an abstract level, but only logged-in clients will be able to read articles and author reviews.  Because these reviews are limited to a small group of users, we do not pre-moderate these reviews.  We will, however, remove any reviews that do not follow the guidelines below:

While the guidelines above represent the majority of reasons why we may not approve / may remove a comment you have posted, we reserve the right to remove comments and reviews for any other reason.  If we have reviewed something of yours and you want to know why or think we have done so in error, just contact us at .(JavaScript must be enabled to view this email address) and we'll be happy to help.

Finally, all comments and reviews on this website are the responsibility of the commenter, not Moody’s Analytics, Inc. and/or its licensors and affiliates (collectively, “MOODY’S”). By submitting a comment or review on our website, you agree that the comment content is your own, and to hold Moody’s Analytics, Inc. and/or its licensors and affiliates (collectively, “MOODY’S”)., Inc harmless from any and all repercussions, damages, or liability.

Thank you in advance for your participation on our site, we look forward to hearing from you.