Markit Hub Privacy Policy

This Privacy Policy ("Privacy Policy") governs the privacy practices and procedures of Markit and its affiliates, successors and assigns (collectively, "Markit" or "we" or "us" or "our") with respect to the data we collect online via the web site currently located at www.hub.com (the "Web Site" or the "Markit Web Site"), the Markit Hub Financial Research iPad app (the “iPad App”), and via Markit's online services and applications provided by Markit through its Markit Hub service, such as Markit's single sign-on service, interactive banner(s) and toolbar(s), and search tools (collectively, the "Markit Hub Services").

This Privacy Policy does not apply to data collected by any means other than from users via the Markit Web Site, iPad App or the Markit Hub Services (including, for example, through any offline means). This Privacy Policy also does not apply to data collected by third-party content providers who have partnered with us to participate in the Markit Hub Services by enabling access to their subscription-based content through Markit's single sign-on service (the "Content Providers," as further described below).

By visiting the Markit Web Site, using the iPad App, or using any Markit Hub Services, you are consenting to the practices and procedures described in this Privacy Policy and in Markit's Terms of Use, into which this Privacy Policy is incorporated.

Policy Changes

You should review this Privacy Policy periodically, as we may modify it from time to time to reflect changes in our Web Site, iPad App, and the Markit Hub Services. Changes to this policy will be effective when we post them to the Web Site. Your continued use of the Markit Web Site, iPad App and/or the Markit Hub Services after we have changed the Privacy Policy signifies your acceptance of the revised terms. Under certain circumstances (e.g., with respect to material changes to this Privacy Policy), we may also elect to notify you through additional means, such as posting a notice on the front page of the Web Site or sending you an email.

What information Does Markit collect?

Non-Personally Identifiable Information

When you visit the Markit Web Site or iPad App, or use the Markit Hub Services, our web server recognizes and collects certain information about your visits to the Web Site or use of the Markit Hub Services, such as your Internet Protocol (IP) Address. Our servers also collect clickstream data, which includes a trail of electronic information left at each web site and web page you visit, such as the referring page that linked you to us (e.g., another Web site or a search engine), the pages you visit on this Web Site or the iPad App, the Web site you visit after this Web Site, other information about the type of Web browser, computer, platform, related software and settings you are using, any search terms you have entered on this Web Site, iPad App or a referral site, and other Web usage activity and data logged by our Web servers. We may use this information to learn about and determine how much time visitors spend on each page of the Markit Web Site, iPad App, or the Markit Hub Service, how visitors navigate throughout the Web Site, iPad App or the Markit Hub Service and how we may tailor our web pages to better meet the needs of visitors.

We may use cookies on the Web Site or iPad App, which are small pieces of data stored by your web browser that contain data regarding your settings and preferences, or other data about your visits to the Web Site or iPad App, or use of the Markit Hub Services. We use this information for various purposes, including, for example, to recognize you and your computer when you return to the Markit Web Site or iPad App, or use the Markit Hub Services, provide you with access to account information you may have entered on the Markit Web Site or iPad App, compile statistics about traffic to Markit Web Site or use of the Markit Hub Services, and for other purposes consistent with this Privacy Policy. You can refuse cookies any time by turning them off in your Web browser. However, if you turn off cookies, certain features and functions of the Web Site, iPad App or the Markit Hub Services may not be available to you.

We also may use Web beacons and other similar tracking technologies (such as "clear GIFs" and "pixel tags") in the Web Site, the iPad App, the Markit Hub Services and/or in our communications with you to enable us to know whether you have visited a Web page or received a message. Such technologies are typically a one-pixel, transparent image (although it can be a visible image as well), located on a Web page or in an email or other type of message, enabling the verification of an individual's viewing or receipt of a Web page or message.

Any or all of the above-described activities with respect to non-personally identifiable information may be performed on our behalf by our Representatives (defined below). We may match non-personally identifiable information collected in the manner described above with other information we may have from or about you, including your personally identifiable information.

Personally Identifiable Information

When using the Markit Web Site, iPad App or the Markit Hub Services, you may be asked to provide, or you may otherwise choose to provide, certain "personally identifiable information," such as your name, physical address, email address, and a telephone number and fax number. It is only necessary for you to provide your work contact information; you may also choose to provide additional information (such as an additional or personal email address or telephone number), and such information will be used by us in accordance with this Privacy Policy.

We collect such personally identifiable information in various circumstances, including, for example, for processing and evaluating your registration, processing your sign-in, and for contacting you with regard to your registration, transactions and other activities or accounts on our Web Site, iPad App or the Markit Hub Services.

The preceding are only examples of the types of personally identifiable information we may collect and the circumstanced during which we may collect that information. The exact types of personally identifiable information collected from you may vary depending on the transactions you conduct on the Web Site, iPad App or through the Markit Hub Services and the various activities in which you participate (including, for example and without limitation, demographic information or other information that would permit someone to contact you online or offline).

How does Markit use my information, and what choices do I have?

Markit uses the information it collects from you (including your personally identifiable information and non-personally identifiable information) primarily to understand your needs, provide you with better services, and deliver the specific service, content or information you may request from. For example, we may use your information to communicate back to you, to update you on services, content and benefits provided by Markit and select third parties (including, for example, our Content Providers, as defined above), to personalize your experience on the Markit Web Site or iPad App, and with the Markit Hub Services, to perform statistical analyses, to contact you for market research, and/or to provide you with marketing information, newsletters, or other information we think would be of particular interest.

We may also use the information we collect to send you occasional promotional messages about Markit news and other promotional announcements. We may also send various account notifications or messages regarding changes to Markit Web Site, iPad App or the Markit Hub Services and other issues relating to your account or profile. If you do not want to receive any future promotional emails from us, please notify us by following the procedures contained in our promotional emails. Please understand that if you opt out of receiving promotional correspondence from us, we may still contact you in connection with your relationship, activities, transactions and communications with us.

Information obtained through the Markit Web Site, iPad App or the Markit Hub Services may be combined and used in conjunction with information we may obtain through other sources (other than the Markit Web Site, iPad App or the Markit Hub Services), including from third parties (such as Content Providers), and from both offline and online sources.

Will Markit provide my information to third parties?

Other than as described in this Privacy Policy, we do not provide your information to third parties.

Our Representatives

Markit may share your information (including personal identifiable information and non-personally identifiable information) with Markit's affiliates, technical consultants, service providers, third party auditors, and/or other third parties (collectively, our "Representatives"). Such Representatives include, for example, Web site or database hosting companies, address list hosting companies, email service providers, analytics companies, distribution companies, fulfillment companies, payment processing companies and other similar vendors and services providers. Our Representatives collect and/or use such information on our behalf, for various purposes, such as to help make the Markit Web Site, iPad App or the Markit Hub Services available, enhance their functionality, provide associated services, process your requests or deliver content.

Legally-Required Disclosures

We reserve the right to access and disclose your information as may be required by courts or administrative agencies, and to the extent required to permit us to investigate suspected fraud, harassment, or other violations of any law, rule, or regulation, the rules or policies of the Markit Web Site, iPad App or the Markit Hub Services, or the rights of third parties, or to investigate any suspected conduct which Markit deems improper.

Business Transfer

In the event that we, or a substantial portion of our assets, are acquired by one or more third parties as a result of or in connection with an acquisition, merger, sale, reorganization, consolidation or liquidation, user information (including personally identifiable and non-personally identifiable) may be one of the transferred assets.

Aggregate Statistics

We may disclose to third parties non-personally identifiable information of our users for any reason, including as a measure of interest in, and use of, our Web Site, iPad App and the Markit Hub Services, and we may do so in the form of aggregate data, such as overall patterns or demographic reports, that does not describe or identify any individual user.

Security

The security of your Personal Information is important to us. We employ Secure Socket Layer (SSL) lines and technology for the communication of certain information. However, due to the inherent open nature of the Internet we cannot guarantee that communications between you and any Markit Web Site, iPad App or Markit Hub Service, or information stored on any Markit Web Site, iPad App , Markit Hub Service or our servers, will be free from unauthorized access by third parties such as hackers. Your use of the Web Site, iPad App or the Markit Hub Service demonstrates your assumption of this risk.

You should also be aware that any information and content, including personally identifiable information, you post on or through communication tools that may be available on the Web Site or through the Markit Hub Services (such as search tools) may be viewed and used by other users of the Markit Web Site or iPad App and Markit Hub Services. By using these tools and services, you assume the risk that the personally identifiable information provided by you may be viewed and used by third parties.

If you notice any inaccuracies in your personally identifiable information maintained by us, please contact us immediately. In the unlikely event that we believe that the security of your personally identifiable information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your email address, we may notify you by email.

Links to Other Web Sites

The Markit Web Site, iPad App or the Markit Hub Services may contain links (including in-line links), banners, or advertisements to web sites and services owned and operated by third parties (including, for example, the web sites of Content Providers, which may be framed by and within the Markit Web Site or a page thereof). When you click on such links, banners, or advertisements, the privacy policies of the web sites to which you are linked will govern the use of your information collected on such sites. This Privacy Policy applies solely to information collected by Markit online via the Markit Web Site, iPad App or the Markit Hub Services. We encourage our users to read the privacy statements of each and every web site or online service visited after leaving or navigating from the Markit Web Site through such a link, banner or advertisement, in order to learn how such third parties may treat your information.

Content Providers

It is important to note that an entity only becomes a "Content Provider" of subscription-based content contributed to the Markit Hub Web Site and/or iPad App (through which access to and use of such content is provided) pursuant to a specific arrangement with Markit. Even so, this Privacy Policy does not apply to information that you may provide to, or that may be collected by, these Content Providers (as defined above), nor does it apply to your use or access of any web site or services of Content Providers, irrespective of whether you use or access of such web sites or services through Markit Web Site, iPad App or the Markit Hub Service (e.g., access to Content Provider web sites through the Markit Hub Service single sign-on process). In such cases, the privacy policies of each Content Provider will apply to their collection and use of your information. Markit hereby disclaims all liability and obligations with respect to any information about or from you collected by Content Providers. A list of Content Providers as of the date of this Privacy Policy (plus links to their respective privacy policies) is as follows (we may add to or alter this list, and if we do so, we will revise this Privacy Policy accordingly):

Consent to Worldwide Transfer and Processing of Personal Information

When you give your personally identifiable information to Markit through the Markit Web Site or iPad App or when registering to use the Markit Hub Service, it may be collected and used by Markit and its affiliates for the purposes of, for example, providing you services and sending you correspondence, and additionally may be transferred to entities other than Markit's affiliates (as described herein), which entities may be located in countries outside the European Economic Area ("EEA"), including the United States. Each of these countries has different privacy laws that afford varying levels of protection for your personally identifiable information, and such laws may not be as comprehensive as those that exist in the EEA. By registering on Markit Web Site, iPad App or otherwise using the Markit Web Site, iPad App and Markit Hub Services, you consent to Markit's and its affiliates' transmission to, and collection and processing of your information in, any jurisdiction, in accordance with its Privacy Policy. You can obtain details of the companies and countries in which your data has been collected by us and to which your data has been transferred by us, by contacting us at the address below in the Contact Us section.

Changing Your Information

You can access, view and change some of your preferences, profile information, and other information by logging into your Markit Hub profile.

Contact Us

Please feel free to contact us by sending an email to support@Markit.com, calling us at (914) 872-2800 or writing us at Markit, 620 8th Avenue, 35th Floor, New York, NY 10018.

Last Updated: January 1, 2015