Terms and Conditions

Welcome to the Microfinance Gateway, a project of CGAP. The Microfinance Gateway (hereafter “the Microfinance Gateway,” “we,” or “us”) offers this website, including all information, tools and services available from this website, to you, the user, conditioned upon your acceptance of all these Terms and Conditions. Your affirmative act of accessing or using this website signifies your consent to, without limitation or qualification, these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions, please do not use the website.

We reserve the right to modify the contents of this website at any time, including
the features, availability, or operation of the website, these Terms and Conditions, or any policy or notice posted on the website. You agree that it is your responsibility to monitor changes to the website, and your continued use of this website following the posting of changes means that you agree to and accept the changes.

Ability to Accept Terms and Conditions
You affirm that you can form legally binding agreements under applicable law, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms and Conditions, and to qualify under, abide by, and comply with these Terms and Conditions.

Accuracy, Completeness, and Timeliness of Information
All of the information presented on this website is for informational purposes only. The information and features on this website do not constitute binding offers to provide financing or other services described on the website, or to make such services available in your area. Likewise, none of the information presented on this website regarding job openings constitutes a binding offer to employ you or individuals you may refer for these jobs.


The Microfinance Gateway does not represent or warrant that any services described or mentioned on this website are currently available. Regardless of any information presented on this website, the Microfinance Gateway reserves the right without prior notice to discontinue services or change terms at any time, without incurring any obligations. Likewise, the Microfinance Gateway does not represent or warrant that job opportunities depicted or mentioned on this website are currently available. This website should not be relied upon or used as the sole basis for making significant decisions without consulting primary or more accurate, complete or timely sources of information. Although the Microfinance Gateway makes reasonable efforts to ensure that all material on this website is correct, accuracy and integrity cannot be guaranteed, and the Microfinance Gateway does not assume any responsibility or obligation for the accuracy, completeness or authenticity of material on the website.

Use of the Website
All content included on this website, such as text, design, graphics, logos, icons, images, audio clips, downloads, interfaces and code, and software, as well as the selection and arrangement thereof, are the exclusive property of the Microfinance Gateway, its affiliates, its licensors or its content providers and are protected by copyright, trademark, and other applicable laws. You may access, copy, download and print the content contained on the website only for your personal and noncommercial use, provided you do not modify or delete any copyright, trademark or other proprietary notice that appears on the material you access, copy, download or print. Any other use of the content on the website, including but not limited to the modification, distribution, transmission, performance, broadcast, publication, licensing, reverse engineering, transfer or sale of, or the creation of derivative works from, any material, information, software, or services obtained from the website, is expressly prohibited. The Microfinance Gateway retains full and complete title to the content provided on the website, or has the right to publish such content on the website, including all associated intellectual property rights, and provides this content to you under a license that is revocable at any time in the Microfinance Gateway’s sole discretion. The Microfinance Gateway neither warrants nor represents that your use of content on this website will not infringe rights of third parties not affiliated with the Microfinance Gateway.

You may not use contact information provided on the website for improper purposes, including marketing. You may not use any hardware or software intended to damage or interfere with the proper working of the website or to surreptitiously intercept any system, data or personal information from the website. You agree not to interrupt or attempt to interrupt the operation of the website in any way. The Microfinance Gateway reserves the right, in its sole discretion, to terminate your access to or use of the website at any time without notice. Termination of your access or use will not waive or affect any right or relief to which the Microfinance Gateway may be entitled, at law or in equity.


Submission Guidelines
You acknowledge that you are responsible for any content (including announcements, events, job openings, and library documents) you may submit via the website, including the legality, reliability, appropriateness, originality and copyright of any such content. You may not upload to, distribute or otherwise publish through this website any content that (i) is false, fraudulent, libelous, defamatory, obscene, threatening, dangerous, offensive, inflammatory, invasive of privacy or publicity rights, infringing on intellectual property rights, abusive, illegal or otherwise objectionable, (ii) may constitute or encourage a criminal offense, violate the rights of any party or otherwise give rise to liability or violate any law, or (iii) may contain software viruses, political campaigning, chain letters, mass mailings, or any form of “spam.” You may not use a false e-mail address or other identifying information, or impersonate any person or entity, or otherwise mislead as to the origin of any content.

Do not submit any original creative content or ideas of which you wish to maintain exclusive ownership. Any communications or content you submit to the website will be treated as non-confidential and non-proprietary. The Microfinance Gateway is and will be under no obligation to maintain any submissions in confidence, pay any compensation or royalty for any submissions, respond to, monitor, or review any submissions, give any specific attribution for any submission, or make any services described or mentioned in a submission available in any location. You must only submit content to the website that you created or that you have permission to submit. Your submissions must not misuse the Microfinance Gateway’s trademarks or the trademarks of others. The Microfinance Gateway is and will be under no obligation to publish submitted content and does so at its sole discretion.

The Microfinance Gateway makes no warranties or representations that services described in any submission are currently available in any location and the Microfinance Gateway does not claim to have any affiliation with, approve, or have any endorsement from the providers of non- Microfinance Gateway services. Submissions are not endorsed by and do not necessarily reflect the views of the Microfinance Gateway. The Microfinance Gateway reserves the right to remove or edit any submissions, for any reason, at any time, without notice, but the Microfinance Gateway is not responsible for any failure or delay in removing submissions.

Links
This website may contain links to other websites. These links are provided as a convenience to you and as an additional avenue of access to the information contained therein. We have not necessarily reviewed all the information on those other websites and are not responsible for the content of those or any other websites or any products or services that may be offered through those or any other websites. Inclusion of links to other websites should not be viewed as an endorsement of the content of linked websites. Different terms and conditions may apply to your use of any linked websites. Your correspondence or business dealings with any entities found through linked websites are solely between you and such entity. The Microfinance Gateway is not responsible for any losses, damages, or other liabilities incurred as the result of any such dealings.

Trademarks
Trademarks, logos, and service marks displayed on this website are registered and unregistered trademarks of the Microfinance Gateway, its affiliates, its licensors, its content providers, and other third parties. All of these trademarks, logos, and service marks are the property of their respective owners. Nothing on this website shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo, or service mark displayed on the website without the owner’s prior written permission, except as otherwise described herein. The Microfinance Gateway reserves all rights not expressly granted in and to the website and its content.


Infringement Notice
We respect the intellectual property rights of others and request that you do the same. If you think your work has been copied in a manner that constitutes copyright infringement, you may notify our copyright agent, who can be reached at:


CGAP, c/o The World Bank
ATTN: Microfinance Gateway Manager
1818 H Street, NW, MSN P3-300
Washington, DC 20433
USA


To be effective, the notification must include ALL of the following:

1. A physical or electronic signature of the copyright owner or the person authorized to act on the owner’s behalf;

2. A description of the copyrighted work you claim has been infringed;

3. Information reasonably sufficient to locate the material in question on the website;

4. Your name, address, telephone number, e-mail address and all other information reasonably sufficient to permit the Microfinance Gateway to contact you;

5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and

6. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or are authorized to act on behalf of the copyright owner.


The Microfinance Gateway is under no obligation to post, forward, transmit, distribute or otherwise provide any material available on this website, including material you provide to us, and so we have an absolute right to remove any material from the website in our sole discretion at any time.

DISCLAIMERS
YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE RESERVE THE RIGHT TO RESTRICT OR TERMINATE YOUR ACCESS TO THE WEBSITE OR ANY FEATURE OR PART THEREOF AT ANY TIME. THE MICROFINANCE GATEWAY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND ANY WARRANTIES THAT MATERIALS ON THE WEBSITE ARE NONINFRINGING, AS WELL AS WARRANTIES IMPLIED FROM A COURSE OF PERFORMANCE OR COURSE OF DEALING; THAT ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE; THAT THE WEBSITE WILL BE SECURE; THAT THE WEBSITE OR THE SERVER THAT MAKES THE WEBSITE AVAILABLE WILL BE VIRUS-FREE; OR THAT INFORMATION ON THE WEBSITE WILL BE COMPLETE, ACCURATE OR TIMELY. IF YOU DOWNLOAD ANY MATERIALS FROM THIS WEBSITE, YOU DO SO AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIALS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE MICROFINANCE GATEWAY OR THROUGH OR FROM THE WEBSITE SHALL CREATE ANY WARRANTY OF ANY KIND. THE MICROFINANCE GATEWAY DOES NOT MAKE ANY WARRANTIES OR REPRESENTATIONS REGARDING THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR COMPLETENESS, CORRECTNESS, ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY OR OTHERWISE.


LIMITATION OF LIABILITY
YOU ACKNOWLEDGE THAT ANY INFORMATION YOU SEND OR RECEIVE DURING YOUR USE OF THE WEBSITE MAY NOT BE SECURE AND MAY BE INTERCEPTED BY UNAUTHORIZED PARTIES. YOU UNDERSTAND AND ACKNOWLEDGE THAT YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THE WEBSITE. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK AND THAT THE WEBSITE IS MADE AVAILABLE TO YOU AT NO CHARGE. RECOGNIZING SUCH, YOU ACKNOWLEDGE AND AGREE THAT THE MICROFINANCE GATEWAY, ITS AFFILIATES OR SUPPLIERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF OR IN ANY WAY RELATED TO THE WEBSITE OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION OR SERVICES ADVERTISED IN OR OBTAINED THROUGH THE WEBSITE, THE MICROFINANCE GATEWAY’S REMOVAL OR DELETION OF ANY MATERIALS SUBMITTED OR POSTED ON ITS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF THE MICROFINANCE GATEWAY OR ANY OF ITS AFFILIATES OR SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. THIS DISCLAIMER APPLIES, WITHOUT LIMITATION, TO ANY DAMAGES OR INJURY ARISING FROM ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUSES, FILE CORRUPTION, COMMUNICATION-LINE FAILURE, NETWORK OR SYSTEM OUTAGE, YOUR LOSS OF PROFITS, OR THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO, ALTERATION OF, LOSS OR USE OF ANY RECORD OR DATA, AND ANY OTHER TANGIBLE OR INTANGIBLE LOSS. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT THE MICROFINANCE GATEWAY, ITS AFFILIATES OR SUPPLIERS SHALL NOT BE LIABLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER OF THE WEBSITE. YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY OF THE ABOVE CLAIMS OR ANY DISPUTE WITH THE MICROFINANCE GATEWAY IS TO DISCONTINUE YOUR USE OF THE WEBSITE. YOU AND THE MICROFINANCE GATEWAY AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE WEBSITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES OR THE CAUSE OF ACTION IS PERMANENTLY BARRED.

Because some jurisdictions do not allow limitations on how long an implied warranty lasts, or the exclusion or limitation of liability for consequential or incidental damages, all or a portion of the above limitation may not apply to you.

Indemnification
By using this website, you agree to indemnify, defend and hold harmless the Microfinance Gateway and its affiliates, and their officers, directors, employees, contractors, agents, licensors, service providers, subcontractors and suppliers, from and against any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys’ fees and court costs, arising or resulting from your use of the website and any violation of these Terms and Conditions. If you cause a technical disruption of the website or the systems transmitting the website to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys’ fees and court costs, arising or resulting from that disruption. The Microfinance Gateway reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with the Microfinance Gateway in defense of such matter.


Jurisdiction
The website is controlled by the Microfinance Gateway from its offices within the United States of America. This website has been designed to comply with the laws of the United States. The laws of the District of Columbia govern these Terms and Conditions and your use of the website. If you choose to access the website from a location outside the United States, you do so at your own risk and with the understanding that laws applicable in your location may not be applicable to this website. By using the website, you irrevocably consent to the jurisdiction of courts located in the District of Columbia for any action to enforce these Terms and Conditions.


Entire Agreement
This agreement and any posted policies or operating rules constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all prior or contemporaneous communications and proposals, whether oral or written, between the parties with respect to such subject matter.


Severability
If any provision of this agreement is unlawful, void or unenforceable, the remaining provisions of the agreement will remain in place.

How to Contact Us
If you have any questions or comments about these Terms and Conditions or this website, please write to us at:
The Microfinance Gateway c/o CGAP
ATTN: Microfinance Gateway Manager
1818 H Street, NW, MSN P3-300
Washington, DC 20433
USA