Terms and Conditions, Privacy and FAQs

Terms & Conditions

Last Updated: May 14, 2018

These Terms and Conditions (“Terms”) between Citigroup Inc. (collectively “Citi” or “We”) and the individual user (collectively the “User”, “You” or “Your”), govern the use of the website located at https://alumni.citi.com/ (the “Website”). References in these Terms and the Privacy Statement to “Citi” shall mean Citigroup Inc., and its subsidiaries, and its and their affiliates. We advise you to read the Terms in its entirety, including any country-specific provisions in the appendix to these Terms which will apply to users in certain countries.

BY CLICKING ON THE BOX AT THE BOTTOM OF THIS PAGE LABELED “I ACCEPT,” YOU AGREE THAT YOU ARE ENTERING INTO A LEGALLY BINDING AGREEMENT WITH CITI BASED ON THESE TERMS. YOU SHOULD ALSO READ THE PRIVACY STATEMENT FOR THIS WEBSITE APPENDED BELOW BEFORE USING THIS WEBSITE.

THESE TERMS CONTAIN VARIOUS PROVISIONS THAT:

LIMIT AND/OR EXCLUDE CITI'S LIABILITY;
CONSTITUTE YOUR CONSENT TO THE INTERCEPTION BY CITI OF ANY COMMUNICATION BY OR TO YOU ARISING FROM OR PURSUANT TO YOUR USE OF THIS WEBSITE;
CONSTITUTE ACKNOWLEDGMENTS OF FACT BY YOU; AND/OR
VEST IN AND/OR TRANSFER TO CITI THE INTELLECTUAL PROPERTY RIGHTS IN AND TO THE CONTENT YOU SUBMIT, AND/OR REQUIRE YOU TO TAKE RESPONSIBILITY FOR (AND TO INDEMNIFY CITI AGAINST) LIABILITY ARISING FROM YOUR ACTS OR OMISSIONS IN CONNECTION WITH THE CONTENT YOU SUBMIT.

IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS, CLICK ON THE BOX AT THE BOTTOM OF THIS PAGE LABELED “I DO NOT ACCEPT.” YOU WILL BE RETURNED TO THE WEB PAGE FROM WHICH YOU ACCESSED THE TERMS AND WILL NOT BE GRANTED ACCESS TO THE RESTRICTED SECTIONS OF THIS WEBSITE.

WE ARE CONTINUALLY ADDING FEATURES AND FUNCTIONALITY TO THIS WEBSITE. BECAUSE OF THESE CHANGES, CHANGES IN THE LAW, OR CHANGES IN TECHNOLOGY, WE MAY NEED TO UPDATE THE TERMS FROM TIME TO TIME. ACCORDINGLY, WE RESERVE THE RIGHT TO MODIFY OR OTHERWISE UPDATE THE TERMS AT ANY TIME AND WITHOUT PRIOR NOTICE BY POSTING THE REVISIONS ON THIS WEBSITE. THESE CHANGES WILL BE EFFECTIVE AS OF THE DATE POSTED. FOR CLARITY, NO SUCH CHANGE WILL APPLY TO ANY DISPUTE BETWEEN YOU AND US ARISING PRIOR TO THE DATE ON WHICH WE POSTED THE REVISED TERMS INCORPORATING SUCH CHANGE. YOUR USE OF THIS WEBSITE AFTER ANY SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THE REVISED AGREEMENT. IF YOUR COUNTRY REQUIRES YOU TO REACCEPT ANY CHANGES IN ORDER FOR SUCH CHANGES TO BE ENFORCEABLE, WE WILL FACILITATE SUCH APPROACH. PLEASE CONSULT THE AGREEMENT AND ITS TERMS AND CONDITIONS REGULARLY.

THIS WEBSITE IS NOT INTENDED FOR PERSONS UNDER 18 YEARS OF AGE (OR, IF NOT 18, AGE OF MAJORITY IN THE RELEVANT COUNTRY). IF YOU ARE UNDER THIS AGE, DO NOT ACCEPT THE TERMS OR ACCESS THE WEBSITE.

THE WEBSITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY MAKING ANY INFORMATION PUBLISHED ON THE WEBSITE AVAILABLE, CITI DOES NOT INTEND TO MAKE ANY DISTRIBUTION OR SOLICITATION TO ANY PERSON TO USE THE WEBSITE OR TO USE ANY PRODUCTS OR SERVICES AVAILABLE AT THE WEBSITE, IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE, INCLUDING WEBSITE INFORMATION, PRODUCTS AND SERVICES, IS PROHIBITED BY LAW. WE RESERVE THE RIGHT TO REQUIRE PROOF OF RESIDENCE FROM ANY USER ACCESSING THIS WEBSITE AND REQUESTING INFORMATION.

USE OF THE WEBSITE AND USER SUBMITTED MATERIAL

a. Website Use License. Subject to these Terms, Citi grants to User a nonexclusive, nontransferable, limited, revocable right to use the Website in accordance with these Terms. User will not use the Website for any other purpose without Citi's express prior written consent.

b. Submitted Material and Ownership.

i. You acknowledge that the Website is a collaborative forum and is intended to allow authorized Users to collect and share contact data in accordance with the Privacy Statement (https://alumni.citi.com/alumni/anon/faq/index.html#!/item/privacy), and provide authorized Users with:

Messages from Citi's senior leaders (e.g., the CEO and Citi Country Officers (CCO).
Citi press releases.
Invitations to, and highlights from, Citi and 3rd party sponsored events (including Alumni Office- or CCO-sponsored events).
Information about Citi business, events and/or activities.
Country-specific information about events and Users;
Links to Citi products and services, including those that may be specifically offered to Users by Citi businesses; and
Financial services industry information, events and/or activities.

ii. You acknowledge that the Website enables Citi and authorized Users to exchange and share information, ideas, text, graphics, audio, images, comments, “likes” and other indicators of reactions, and other materials (collectively, “Content”). If You are Citigroup Personnel, You also acknowledge that the use of the Website and the exchange of any Content falls within the scope of Your employment relationship with Citi.

iii. This Section (b)(iii) shall only apply to the extent that You are not otherwise bound by the Personal Release Document which you have signed as a “Featured Alumni” User. You shall not retain any confidentiality or proprietary rights in any Content You upload, post, email, transmit, share, or otherwise display or make available via the Website (collectively, “Submitted Material”).

Without limitation and to the extent that ownership does not otherwise vest in Citi in connection with your existing employment or commercial relationship with Citi, Citi shall exclusively own all Submitted Material to the extent permitted by law, and in consideration of Citi providing You with access to the Website (and/or providing You with compensation where You are Citigroup Personnel), You hereby (and agree to) assign, transfer, and convey to Citi, its successors, assigns, and legal representatives, all right, title, and interest in and to such Submitted Material, including all intellectual property rights therein. You agree to execute and deliver to Citi any documents necessary to complete or record the foregoing assignment. To the extent that any rights in or to any Submitted Material do not vest in Citi by virtue of the terms of this Agreement, You hereby waive (to the maximum extent permitted by law) and agree never to assert such rights against Citi or any of Citi's licensees. If You have any right to the assigned items that cannot be assigned to Citi or waived by You, You unconditionally and irrevocably grant Citi, its parents, affiliates, subsidiaries, licensees, sub-licensees, and all Website users, during the term of such rights, a worldwide, royalty-free, perpetual (or the maximum duration permitted by applicable law), irrevocable, sub-licensable, transferable, non-exclusive license to use, copy, display, perform, distribute, adapt, modify, and promote the Submitted Material in any medium, now known or hereafter created. Citi shall be free to use, for any purpose, any ideas, concepts, know-how, techniques, or content contained in any Submitted Material and will be entitled to use, make, reproduce, disclose, distribute, perform publicly, display publicly, create derivative works of, and reduce to practice any Submitted Material for any purposes whatsoever, without restriction and without compensating You in any way. Citi shall not be subject to any obligations of confidentiality regarding the Submitted Material, except as may be required by law. Citi is under no obligation to post or use any Submitted Material submitted and Citi may remove any Submitted Material at any time in its sole discretion.

c. Warranty and Representations on Submitted Material. You acknowledge that You, and not Citi, are entirely responsible for any and all Submitted Material and You acknowledge and agree that You have a responsibility to treat the Website and all information in it, in a professional, ethical, lawful and confidential manner. By providing Submitted Material, You warrant and represent that the information is accurate and You own or otherwise control any and all of the rights to your Submitted Material. To the extent that the Submitted Material contains copyrighted or protected content, You warrant and represent that (i) You are the owner of such content, or (ii) You have the rights necessary to grant the assignment (or license) set forth in Section b(iii) that each person depicted in such content, if any, has provided consent to the use of the content as set forth in these Terms. Citi reserves the right to request proof of ownership or permission, and to refuse to post Submitted Material without such proof or if such proof is not, at its sole discretion, sufficient.

d. Your Use of the Content. You may use, download or print a copy of the Content displayed on the Website solely for your own personal, non-commercial, use, provided (A) You do not remove or modify any copyright, trademark, or other proprietary notices or any disclosures; (B) You agree to and comply with any terms, conditions, and notices accompanying the Content; (C) You comply with all applicable copyright and other intellectual property laws, and (D) You otherwise comply with the Terms. This limited, revocable, non-transferable privilege to use the Content in no way constitutes a transfer of any right, title, or interest in the Content You download, view, or otherwise access. This is a grant of a license, not a transfer of title, and under this license You may not: (1) modify or copy the Content (except as set forth in the preceding sentence); (2) use the Content for any commercial purpose or for any public display (commercial or non-commercial); (3) attempt to decompile or reverse engineer any software contained on the Website (except as permitted by law); (4) transfer the Content to another person; (5) “mirror” the Content on any other server; or (6) otherwise distribute, transmit, display, perform, reproduce, publish, license, or create derivative works from any information, material, software, products or services on the Website. This license shall automatically terminate if You violate any of these restrictions, and may be terminated by Citi at any time subject only to any notice requirements with which Citi must comply in accordance with applicable law. Upon terminating your viewing of these materials or upon the termination of this license, You must destroy any downloaded materials in your possession, whether in electronic or printed format.

e. Inappropriate Practices and Objectionable Content Prohibitions.

i. In relation to the Website and any Submitted Material, You agree that You will not engage in objectionable practices or submit, post, transmit, or otherwise make available through or in connection with the Website any information that is considered to be any of the following (collectively, “Objectionable Content”):

In violation of any applicable laws or regulations including laws governing the encryption of software, defamation (libel/slander), data privacy or protection, the export of technology, tax fraud, the transmission of obscenity, copyright law, or the permissible uses of intellectual property;
In breach of trademark, copyright, patent, or other intellectual property rights, notwithstanding Your right to submit any Content permitted under Section b(iii)
Rumors, false information, fraudulent information or information that has a fraudulent effect or purpose, or abusive activity with respect to securities or other financial instruments or manipulation of the stock exchange;
Trade secrets, or confidential or non-public information about publicly traded securities, other financial instruments or any information known by You as a consequence of your relationship with Citi;
Discriminatory, hateful or harassing;
Obscene, vulgar, sexually explicit or pornographic;
Derogatory, abusive, harmful, blasphemous or offensive to any individual or group;
Defamatory or threatening;
In breach of the rights of any other party or entity (including but not limited to privacy and data protection rights), whether or not such person or entity is a registered User of the Website;
Tortious or relating to or encouraging money laundering, gambling (where gambling is illegal in a jurisdiction) or otherwise unlawful activity;
Self-serving or intended to promote Yourself or Your business; Your Submitted Material must not be self-serving and absolutely no type of advertising or solicitation efforts will be allowed;
Impersonating any person or entity or falsely stating or otherwise misrepresenting Your affiliation with a person or entity or collecting or storing personal data about other users in connection with prohibited conduct or activities;
Content that You do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
Unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
Material that contains software viruses, Trojan horses, worms, time bombs, corrupted files, or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment, or that may damage or interfere with the operation of another's computer or property of another;
Content that could damage, disable, overburden, or impair any Citi server, or network(s) connections, disobey any requirements, procedures, policies or regulations of networks connected to the Website or interfere with any other party's use and enjoyment of the Website;
An attempt to gain unauthorized access to or otherwise misuse any Website, other accounts, computer systems, software or networks connected to any Citi server or Website, through hacking, password mining or any other means or obtaining or attempting to obtain any materials or information through any means not intentionally made available through the Website;
In violation of (intentionally or unintentionally) any applicable local, state, national or international law;
A threat to national security, unity, integrity, defense or sovereignty of a country, threatening public order in a country or causing incitement to the commission of any punishable offence in a jurisdiction, preventing investigation of any such offence or insulting another country;
Material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act or any similar applicable law;
Forging headers or otherwise manipulating identifiers (including URLs) in order to disguise the origin of any materials transmitted to or from the Website, or deleting or altering any attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other uploaded material;
Information about others(save as published in the directory of this Website for the purposes as permitted herein), including e-mail addresses or other personal information except as expressly permitted by the Terms or with the appropriate permissions;
Any financial or sensitive information (other than as may be included in Your User profile) about You or any other person (including but not limited to information about religious, confessional or similar beliefs, racial or ethnic origin, health or sexual life, sexual orientation, genetic code, addictions political affiliation or political membership, trade union membership or information about criminal offences or any other categories of personal information defined as sensitive under applicable data protection laws);
Otherwise inappropriate in any way.

ii. You will not share any Content with any third party websites; unless specifically authorized or enabled by the Website and/or

iii. You will not engage in “framing”, “mirroring” or otherwise simulating the appearance or function of the Website or deep-linking to the Website for any purpose unless expressly authorized in writing by Citi.

iv. You agree that, prior to including on the Website any photos or images of, or other information relating to any other person; you will obtain such person's written permission.

v. Absent Citi’s express prior written consent in each instance, you will not use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or otherwise gather Content or other Website material; systematically download and store Content or other Website material; harvest or collect information about users of the Website; or reproduce or circumvent the navigational structure or presentation of the Website.

f. Website Moderation. While Citi may not continuously monitor or moderate Content published by Users, Citi and its designees retain the right (but not the obligation), at Citi's sole discretion, to pre-screen, refuse, monitor, restrict access to, or remove any Content it deems infringing, inappropriate, contrary to the spirit or purpose of the Website, Objectionable Content, illegal or otherwise in violation of these Terms. Citi does not guarantee the accuracy, integrity, or quality of Content. To the extent permitted by law, under no circumstances will Citi be liable in any way for any Content, including, but not limited to, liability for any errors or omissions in any Content or for any loss or damage of any kind incurred as a result of the use of any Content, including any Content posted, emailed or otherwise transmitted via the Website. You should exercise discretion before relying on information in Content as such Content may contain false, inaccurate or otherwise misleading information. To the extent that You use or rely on information posted within the Website, You do so solely at your own risk.

g. No Advice by Citi. No comments made by any employee, agent, consultant, or contractor of Citi (collectively, “Citigroup Personnel”) or any User through the Website should be understood or used as the sole basis of any investment or financial decision, nor should they be construed as advice or recommendations. It is possible that Users will post comments on the Website related to their experiences. Like other postings on the Website, We are not liable for any such postings and, such User comments may contain false or misleading information.

h. Password Protection. You will take all reasonable steps to ensure that no third party will have access to the password protected portions of the Website. For example, User will not divulge, sublicense, assign, or transfer to any third party User's username(s) and password(s).

RIGHT TO MODIFY, SHUT DOWN, OR DENY ACCESS TO THE WEBSITE

CITI RESERVES THE RIGHT TO MODIFY THE CONTENT, FEATURES, AND FUNCTIONALITY OF THE WEBSITE, TO SHUT DOWN THE WEBSITE, AND TO LIMIT OR DENY ACCESS TO ALL OR PART OF THE WEBSITE AT ANY TIME, FOR ANY REASON WITHOUT PRIOR NOTICE AND, TO THE EXTENT PERMITTED BY LAW, WILL NOT BE LIABLE IN ANY WAY TO YOU, YOUR COMPANY OR EMPLOYER, OR ANY THIRD PARTY FOR ANY POSSIBLE LOSS, LIABILITY OR CONSEQUENCE OF SUCH ACTIONS.

TERM AND TERMINATION

Citi may immediately terminate User's right to use the Website and Content if User violates any provision of these Terms. Additionally, Citi may terminate the User's access to the Website and Content for any reason and without notice. User will immediately cease using the Website and Content upon termination and will destroy any Content in User's possession or control.

If You work for Citi, You acknowledge and agree that inappropriate use or misuse of the Website, including a breach of these Terms, may also lead to disciplinary action up to and including termination of Your employment or assignment with Citi, consistent with applicable law.

If You no longer wish to participate in the Website for any reason, You may terminate Your access to the Website, at any time, with notice to alumni@citi.com. This notice will be effective upon Citi processing Your notice.

DISCLAIMER OF LIABILITY

SOME COUNTRIES DO NOT ALLOW ALL OF THE FOLLOWING LIMITATIONS OR EXCLUSIONS OF LIABILITY AND, IF REQUIRED BY APPLICABLE LAW, THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.

THE WEBSITE AND CONTENT ARE PROVIDED “AS IS”, “AS AVAILABLE” WITHOUT ANY WARRANTIES OR REPRESENTATIONS OF ANY KIND. CITI AND ITS LICENSORS MAKE NO REPRESENTATION OR WARRANTY ABOUT THE ACCURACY, ADEQUACY, COMPLETENESS, AVAILABILITY OR TIMELINESS OF THE WEBSITE OR CONTENT AND EXPRESSLY DISCLAIM, TO THE EXTENT PERMITTED BY LAW, ANY AND ALL REPRESENTATIONS OF ANY KIND WITH RESPECT TO THE WEBSITE AND THE CONTENT, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS. FURTHER, CITI WILL NOT BE LIABLE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR IN PART BY PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING CONTENT.

CITI DOES NOT GUARANTEE THAT THE WEBSITE WILL BE PROVIDED WITHOUT INTERRUPTION OR ERRORS IN FUNCTIONING AND, TO THE EXTENT PERMITTED BY LAW, WILL NOT BE LIABLE FOR ANY MALFUNCTIONING, IMPOSSIBILITY OF ACCESS, OR POOR WEBSITE USABILITY. NOR WILL CITI BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DENIAL OF SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THIS WEBSITE OR TO YOUR DOWNLOADING ANY MATERIAL POSTED ON IT OR ANY WEBSITE LINKED TO IT.

LIMITATION ON LIABILITY

SOME COUNTRIES DO NOT ALLOW ALL OF THE FOLLOWING LIMITATIONS OR EXCLUSIONS OF LIABILITY AND, IF REQUIRED BY APPLICABLE LAW, SOME OR ALL OF THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL CITI OR ITS LICENSORS, SERVICE PROVIDERS, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR ANY INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THE WEBSITE OR CONTENT OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, WHETHER ARISING UNDER ANY CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHER THEORY, EVEN IF THEY ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

CITI ASSUMES NO RESPONSIBILITY OR LIABILITY TO YOU IN CONNECTION WITH YOUR ATTENDANCE AT ANY EVENTS OR PARTICIPATION AS A VOLUNTEER WITH ANY ORGANIZATION THAT IS INTRODUCED TO YOU BY CITI IN CONNECTION WITH THE CITI ALUMNI NETWORK.

THE MAXIMUM AGGREGATE LIABILITY OF CITI AND ITS LICENSORS, SERVICE PROVIDERS, AGENTS, OFFICERS AND DIRECTORS, FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, SHALL BE THE GREATER OF (A) THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO CITI TO USE THE WEBSITE; AND (B) TEN U.S. DOLLARS ($10.00).

IT IS UNDERSTOOD THAT NOTHING IN THESE TERMS SHALL EXCLUDE OR LIMIT CITI'S LIABILITY IN CASE OF DEATH OR PERSONAL INJURY RESULTING FROM AN ACTION OR FROM AN OMISSION BY CITI AND/OR FOR FRAUD, GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, IN EACH CASE TO THE EXTENT THAT SUCH EXCLUSION OR LIMITATION IS NOT PERMITTED BY APPLICABLE LAW.

INDEMNIFICATION

To the extent permitted by law, You shall indemnify, defend, and hold harmless Citi, and its officers, employees and agents, from any and all losses, injuries, liabilities, damages, fines, penalties, costs and expenses including reasonable attorneys' fees, resulting from claims made by any third party due to or arising out of Your acts or omissions in connection with the Website, including any claims arising out of Your use of the Website, Your Submitted Material, anything You submit to or via the Website, Your violation of the Terms or any other policies or rules governing the Website, or Your violation of any rights of another.

MISCELLANEOUS TERMS

a. General Practices Regarding Use and Storage. While Citi will use reasonable efforts to back up Website data in compliance with applicable law, Citi has no responsibility or liability for the deletion or failure to store any data or other content maintained or transmitted by others on the Website. Citi reserves the right to mark as "inactive" and archive Content that is inactive for an extended period of time. Citi reserves the right to change these general practices at any time, at its sole discretion. Citi will retain data as required by applicable laws and regulations, and pursuant to its contractual obligations.

b. Other Websites. The Website may contain links to other websites and to website content on such other websites. These links are provided for convenience only, and do not imply affiliation with or endorsement by Citi. Citi is not responsible for the operation of, or for website content on, any such other website, or for the operation of, or for website content on, any site through which you may have gained access to the Website.

c. Relationship. Neither Citi nor its service providers shall be considered an agent or other legal representative of Yours for any purpose by reason of these Terms. Nothing herein shall be deemed to create an agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship of any kind between Citi and You or any other person or entity nor do these Terms extend rights to any third party. Citi does not and cannot control the actions of Website Users, visitors, or linked third parties. We reserve the right to report any malfeasance that comes to our attention to the appropriate authorities.

d. Copyrights. It is Citi's policy to respond promptly to claims of intellectual property misuse. If You believe that your work has been copied and is accessible on the Website in a way that constitutes copyright infringement, please notify us through the process set forth below. If Citi determines, based on its sole discretion that You are a repeat offender under the Digital Millennium Copyright Act or other copyright legislation, all your Submitted Material will be removed, and Citi reserves the right to take whatever other actions it deems necessary, including notifying the appropriate government authorities.

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT RELATING TO THE ACTIVITIES OF CITIGROUP'S DESIGNATED AGENT
PURSUANT TO SECTION 512(C)(2) OF THE COPYRIGHT REVISION ACT, AS AMENDED BY THE DIGITAL MILLENNIUM COPYRIGHT ACT, WRITTEN NOTICE OF ANY CLAIMED COPYRIGHT INFRINGEMENT RELATING TO THE ACTIVITIES OF CITIGROUP UNDER SECTION 512 OF THE DIGITAL MILLENNIUM COPYRIGHT ACT MUST BE SUBMITTED TO THE DESIGNATED AGENT NAMED BELOW. ANY NOTICE SENT TO THE DESIGNATED AGENT MUST MEET THE REQUIREMENTS OF SECTION 512(C)(3) OF THE DIGITAL MILLENNIUM COPYRIGHT ACT.
Service Provider(s): Citigroup Inc. and its affiliates.
Designated to Receive Notification of Claimed Infringement:

	Name:	DMCA Agent - Operations + Technology + Intellectual Property Law Group
	Address:	Citigroup Inc. 3800 Citigroup Center Drive G-3 Tampa, FL 33610
	E-mail:	infringementnotice@citi.com
	Telephone:	813-472-0393

NOTE: ALTHOUGH NOT REQUIRED, IT IS RECOMMENDED THAT ANY EMAIL NOTIFICATION INCLUDE "NOTICE OF ALLEGED SERVICE PROVIDER INFRINGEMENT" IN THE SUBJECT LINE OF THE EMAIL.

If you wish to report any instances of misuse or inappropriate use of the Website including any Submitted Material (other than copyright infringement claims), please contact alumni@citi.com.

e. Other Agreements. These Terms are in addition to and do not nullify any other agreement(s) between You and Citi including but not limited to any agreement regarding Your use of Citi's other websites. Termination of these Terms will not affect, or result in the termination of, any such other agreements.

f. Severability. If any provision these Terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

g. Governing Law. The substantive laws of the State of New York shall in all respects govern these Terms regardless of Your country of origin or from where You access the Website. All claims or disputes arising out of or in connection with these Terms shall be heard exclusively by any of the federal or state courts of competent jurisdiction located in the Borough of Manhattan, New York City, NY, USA.

h. Remedies. Citi may seek to obtain injunctive or other equitable relief without the posting of a bond or security to prevent or curtail any breach, threatened or actual, of these Terms where it deems appropriate to do so. All remedies in this Agreement are cumulative and in addition to (not in lieu of) any other remedies available at law or in equity.

i. Compliance with Laws and Citi's Policies and Procedures. You will comply with the requirements of all applicable laws, ordinances, regulations, codes and executive orders, and, if You are Citigroup Personnel, a vendor or an external service provider, all applicable Citi's policies, standards and guidelines as published and/or modified from time to time

j. No Waiver. The failure to exercise, or delay in exercising, a right, power or remedy provided by these Terms or by law shall not constitute a waiver of that right, power or remedy. If We waive a breach of any provision of these Terms, this shall not operate as a waiver of a subsequent breach of that provision, or as a waiver of a breach of any other provision.

APPENDIX - COUNTRY SPECIFIC AMENDMENTS

a. Provisions applicable to Users registering from France.

Section 1(b)(ii) of this Agreement shall be considered deleted and replaced by the following:

“This Section 1(b)(ii) shall only apply to the extent that You are not otherwise bound by the Personal Release Document which you have signed as a “Featured Alumni” User. You shall not retain any confidentiality or proprietary rights in any Content You Submit (as defined below) (collectively, “Submitted Material”). Without limitation and to the extent that ownership does not otherwise vest in Citi in connection with your existing employment or commercial relationship with Citi, Citi shall exclusively own all Submitted Material to the extent permitted by law, as soon as the Content is created, and in consideration of Citi providing You with access to the Website, You hereby assign, transfer, and convey to Citi, is successors, assigns, and legal representatives, all right, title, and interest in and to such Submitted Material, including all intellectual property rights therein for the whole duration of protection of the intellectual property rights on an exclusive basis including the right: (a) of reproduction in any manner whatsoever including editing and rewriting, digitalization, graphic reproduction by any means and according to any technique on any medium whether physical such as CD-ROM, DVD-ROM, optical media, magnetic/optical media or media based on any other technology which may be invented onto any type of network including on-line or off-line digital networks such as internet or intranet; (b) of representation including the right to disseminate, broadcast, edit, publish and distribute, the total or partial downloading or uploading, whether temporary or permanent, onto any type of network, including by cable, satellite, internet or intranet or local area networks; (c) of use, consultation, assignment and marketing of the Submitted Material in any manner whatsoever; (d) of customization, modification, adaptation, upgrading, addition or removal of all or part of creations; (e) of translation, either directly or by a third party, into any written or spoken language whether for public release or not; (g) of rental, sell and loan in any form whatsoever, (h) of arranging and localizing; and (i) of granting licenses or sub-licenses and making any derivative works. The scope of the assignment shall cover all countries worldwide with respect to all media and means. You agree to execute and deliver to Citi any documents necessary to complete or record the foregoing assignment. To the extent that any rights in or to any Submitted Material do not vest in Citi by virtue of the terms of this Agreement, You hereby waive and agree never to assert such rights against Citi or any of Citi's licensees. If You have any right to the assigned items that cannot be assigned to Citi or waived by You, You unconditionally and irrevocably grant Citi, its parents, affiliates, subsidiaries, licensees, sub-licensees, and all Website users, during the term of such rights, a worldwide, royalty-free, perpetual, irrevocable, sub-licensable, transferable, non-exclusive license to use, copy, display, perform, distribute, adapt, modify, and promote the Submitted Material in any medium, now known or hereafter created. Citi shall be free to use, for any purpose, any ideas, concepts, know-how, techniques, or content contained in any Submitted Material and will be entitled to use, make, reproduce, disclose, distribute, perform publicly, display publicly, create derivative works of, and reduce to practice any Submitted Material for any purposes whatsoever, without restriction and without compensating You in any way. Citi shall not be subject to any obligations of confidentiality regarding the Submitted.

b. Provisions applicable to Users registering from Germany:

Section 1(b) of this Agreement shall be considered deleted and replaced by the following:

Section 6 of this Agreement shall be considered deleted and replaced by the following:

“You shall indemnify, defend, and hold harmless Citi, and its officers, employees and agents, from any and all losses, injuries, liabilities, damages, fines, penalties, costs and expenses including reasonable attorneys' fees, resulting from claims made by any third party due to or arising out of your acts or omissions in connection with the Website, including any claims arising out of your use of the Website, your Submitted Material, anything you Submit via the Website, your violation of this Agreement or any other policies or rules governing the Website, or your violation of any rights of another.”

c. Provisions applicable to Users registering from Japan

You acknowledge that all intellectual property rights in Submitted Material assigned pursuant to Section 1 (b)(ii) of this User Agreement shall include the rights set forth in Article 27 and Article 28 of the Copyright Act of Japan. In addition, you shall not exercise the moral rights as author relating to such Submitted Material against Citi, its parents, affiliates, subsidiaries, licensees, sub-licensees, and/or all Website users.

d. Provisions applicable to Users registering from Mexico

Section 1(b) of this Agreement shall be considered deleted and replaced by the following:

“This Section 1(b)(ii) shall only apply to the extent that You are not otherwise bound by the Personal Release Document which you have signed as a “Featured Alumni” User. You shall not retain any confidentiality or proprietary rights in any Content You Submit (as defined below) (collectively, “Submitted Material”). Without limitation and to the extent that ownership does not otherwise vest in Citi in connection with your existing employment or commercial relationship with Citi, Citi shall exclusively own all Submitted Material to the extent permitted by law, and in consideration of Citi providing You with access to the Website (and/or providing You with compensation where You are Citigroup Personnel), You hereby assign, transfer, and convey to Citi, is successors, assigns, and legal representatives, all right, title, and interest in and to such Submitted Material, including all intellectual property rights therein. You agree to execute and deliver to Citi any documents necessary to complete or record the foregoing assignment. To the extent that any rights in or to any Submitted Material do not vest in Citi by virtue of the terms of this Agreement, You hereby waive (to the maximum extent permitted by law) and agree never to assert such rights against Citi or any of Citi's licensees. Regarding any other right to the assigned items that cannot be assigned to Citi or waived by You, You hereby grant Citi, its parents, affiliates, subsidiaries, licensees, sub-licensees, and all Website users, during the term of such rights, a worldwide, perpetual (or the maximum duration permitted by applicable law), irrevocable, sub-licensable, transferable, non-exclusive authorization to use, copy, display, perform, distribute, adapt, modify, and promote the Submitted Material in any medium, now known or hereafter created without any further payment required. In any case, You hereby agree that Citi shall always have the right to use, for any purpose, any ideas, concepts, know-how, techniques, or content contained in any Submitted Material and will be entitled to use, make, reproduce, disclose, distribute, perform publicly, display publicly, create derivative works of, and reduce to practice any Submitted Material for any purposes whatsoever, without restriction and without any additional compensation to You. Citi shall not be subject to any obligations of confidentiality regarding the Submitted Material, except as may be required by law. Citi is under no obligation to post or use any Submitted Material submitted and Citi may remove any Submitted Material at any time in its sole discretion.”

e. Provisions applicable to Users registering from South Africa

If this Agreement and/or any goods and/or services provided under this Agreement are regulated by the Consumer Protection Act No 68 of 2008, as amended, replaced or re-enacted from time to time ("Consumer Protection Act"), it is not intended that any provision of this Agreement contravenes any provision of the Consumer Protection Act and therefore all provisions of this Agreement must be treated as being qualified, if necessary, to ensure that the provisions of the Consumer Protection Act are complied with.
You hereby grant your consent to the interception by or on behalf of Citi of any communication, direct or indirect, made by you or to you arising from or pursuant to your use of this website, as contemplated in section 5 of the Regulation of Interception of Communications and Provision of Communication-related Information Act 70 of 2002.

f. Provisions applicable to Users registering from Canada

The User Agreement, and the related documents, have been drawn up in English at the express wish of the parties. La présente entente, et les documents qui s'y rattachent, ont été rédigés en anglais à la demande expresse des parties.

IF YOU HAVE ANY QUESTIONS CONCERNING THE TERMS, PLEASE CONTACT alumni@citi.com.

NOTE THAT COUNTRY-SPECIFIC PROVISIONS APPLY INSTEAD OF THIS SECTION 1(B)(II) TO USERS REGISTERING IN FRANCE, GERMANY AND MEXICO AND IN ADDITION TO THIS SECTION 1(B)(II) TO USERS REGISTERING IN JAPAN. THESE CAN BE FOUND IN THE APPENDIX.

NOTE THAT A COUNTRY-SPECIFIC PROVISION APPLIES IN ADDITION TO THIS SECTION 1(F) TO USERS REGISTERING IN SOUTH AFRICA. THIS CAN BE FOUND IN THE APPENDIX.

NOTE THAT A COUNTRY-SPECIFIC PROVISION APPLIES INSTEAD OF THIS SECTION 6 TO USERS REGISTERING IN GERMANY. THIS CAN BE FOUND IN THE APPENDIX.

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Last Updated: May 14, 2018