1. Acasa
2. About us
3. Terms and conditions

Institute of Financial Studies (ISF) is the author of the site www.isfin.ro and benefits of all legal rights recognized to the authors, according to Romanian and international legislation. Unless otherwise stated, all materials, including images, illustrations, designs, photographs, audio / video, etc. ISF are owned or licensed by ISF to be used.
ISF will grant a limited license to access / visit the site, without the possibility of change in the absence of agreement. This license does not include :

• resale or commercial use of the information on the site;
• download or copy the user account information;
• using data mining techniques, similar robots and technologies that enable extraction and analysis of data.

ISF will grant a limited, revocable, non-exclusive licence, to create a hyperlink to the home page of the site as long as the link does not describe ISF or a partner / affiliate thereof in a false, wrong or insulting manner. The granted license will not allow use of the ISF mark within this hyperlink without prior written consent of ISF.
Content site, full and / or partial, may not be reproduced, duplicated, copied, resold, visited, or otherwise exploited for commercial purposes without the prior written consent of ISF.
The brand ISF is a registered trademark and is owned by ISF. Isfin.ro domain is owned by Institute of Financial Studies. The use of this trademark, domain name or ISF, in the form of direct or "hidden" (such as, but not limited to, meta tags and other techniques for indexing, searching the web) without prior written permission is prohibited and punishable according law. Unauthorized use immediately revoke the licenses granted by ISF, according to the above.
The site is provided by ISF on an "as is" and "as available" basis. ISFnot guarantee that the site, which is hosted servers, or emails sent from isfin.ro has no viruses or other potentially damaging computer components character. The user uses the site at his own risk, ISFis free from any liability for any direct or indirect damages caused by using or accessing / visiting the site or using the information on the site. ISF is not responsible for errors and omissions that may occur in writing or presentation materials on the site. IFS did not grant any warranty for the content and use of this site. The information published corresponds to reality at the time of listing or updating various pages of the site.
The services and products presented on the site does not constitute an offer in any way, being presented for information only. If you use the site, you are responsible for ensuring the confidentiality regarding your account access, such as username and password and agree to assume full responsibility for the activities / actions carried out on site with your account and password. If you suspect that, for various reasons not attributable on your access confidentiality of data has been compromised, you will immediately notify IFS to block access to the account and to generate a new set as soon as possible. Making unauthorized operations on this site and attempted to perform them, including but not limited to: misuse, fraudulent use, unauthorized access, modification, copying their information for marketing, foreclosure, etc., will be punished according to law .
Site users may send comments, notes, suggestions, ideas or comments on the content and structure of the site, may address questions as long as the content is not illegal, obscene, threatening, defamatory, that affect privacy, intellectual property rights, the IFS or of third parties, and does not contain viruses, carries political / electoral campaigns, commercial solicitation, chain letters, mass mailings, or any form of spam. You may not use a false e-mail address or to impersonate another person or entity. IFS reserves the right, but not the obligation, to remove or edit such information transmitted.
ISF respects the intellectual rights of others. If you believe that your work has been copied in a manner that infringes intellectual property, please contact IFS a notification that include:

• physical or electronic signature of a person authorized to act on behalf of the owner;
• a description of the copyrighted material that you claim has been infringed;
• on the site, an indication of where the material that you claim is infringing;
• address, phone number and your e-mail;
• an affidavit that you are convinced that the disputed use is not authorized by the copyright owner, its agent, or the law;
• a notarized declaration on your own responsibility that you act in good faith, the notification is complete and correct and you are the copyright owner or act on its behalf privacy policy.

Terms and conditions of use are subject to Romanian law. In case of dispute, we will try first a friendly settlement, within 30 days from its registration at the headquarters of IFS. If you can not reach agreement in the time specified above will be considered competent court of the same administrative structure based ISF.

Institute of Financial Studies, called “ISF”, personal data operator no.20386 notified to The National Supervisory Authority For Personal Data Processing, as author/owner/administrator of www.isfin.ro has the right to modify at any moment the content of www.isfin.ro and the Terms and Conditions without any prior notification. That is why you should visit this section from time to time to verify the terms and conditions you have accepted to respect.