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Welcome to the website of the Federal Reserve Bank of New York (the “Bank”). Acceptance of Terms of Use If you do not agree with any portion of these Terms of Use you may exit the website and not continue the session or make use of any Services. However, if you continue to use the website or the Services you implicitly consent to these Terms of Use. Privacy Policy Monitoring and Use of Personal Information Sections of this website, such as the "employees only" tab, may be accessed only by authorized users (that is, users who have been provided with a valid user ID and password by the Bank). If you provide personal information, such as your mailing or e-mail address, telephone or fax numbers, or other demographic and customer information, we will not share (disclose, or sell) it to third parties. However, as noted above, personal information you provide to third parties is subject to separate privacy policies of such third parties. This website uses transient, memory-resident "cookies" in several shopping cart type applications (e.g., the Bank’s publications catalog, tour reservation services and careers center) to link individual client browser pages to a unique client session. Cookies are invoked by using any of these shopping cart applications and disappear when the browser is closed. If you choose to order from the publications catalog or book a tour, the Bank takes steps to protect the personal information you provide. The catalog uses Secure Sockets Layer (SSL), a security standard, to protect your personal information. This is done by encrypting the information transmitted between the Bank’s server and your browser. SSL is invoked when you begin the "checkout" process, resulting in a URL that starts with HTTPS://. Your browser may respond by displaying a message similar to this:
If so, click "continue" and proceed with your order. To maintain the privacy of your information and use this website as intended, a browser able to support cookies and SSL is required. That is, the minimal browser is Microsoft Internet Explorer 4 or Netscape Navigator 6. Other browsers may work but the Bank has not tested them with the Services. The Bank also uses persistent cookies intended to track traffic patterns on this website that collect data on domain name, browser type and MIME type. The Bank does not correlate this information with data about individual users, such as your name and address. Please read our instructions on disabling your browser's persistent cookies if you wish to prohibit this data collection. Disabling Your Browser's Persistent Cookies » As noted above, your use of the Services may also be subject to privacy policies of third parties. Eligibility Warranties Reproduction of Content Third Party Services Reference to any specific commercial product, process or service does not constitute or imply an endorsement or recommendation by the Bank. RSS Feeds Accessibility Many of the documents on the Bank’s web server are
in HTML and are usually accessible to screen-reading software.
The Bank also has a large number of documents in Adobe Acrobat*
Portable Document Format (PDF), a type that reproduces the
exact look of a printed page. PDF documents are displayed
through Adobe's free Acrobat Reader which may require additional
steps to become accessible to screen readers. In addition,
when using the website's main search engine PDF documents
are also displayed as a text document. PDFs found on this site may be accessible to some screen
readers (except for some complex formatting, including graphics
and some tables). The Bank follows software developments
and will endeavor to make all elements of PDF documents accessible
to screen readers as such capabilities become available.
If a PDF is not accessible to your screen reader, you can
use a free translation service provided by Adobe through
their access.adobe.com website, which will translate PDFs
to web pages (HTML documents) or to plain text (again except
for some complex formatting). Adobe
accessability The paragraphs below describe the use of Adobe's translation service and how to obtain paper copies of PDF documents that are on the Bank's website. The Adobe translation service can be used in one of two ways: At the website of the Adobe translation service, you can
fill out a form, giving the address of the document to be
translated. When the form is submitted, the service will
translate the PDF document to a web page and return it immediately
to the user. For instructions, see: At the website of the Adobe translation service, you can
send an e-mail message, giving the address of the document
to be translated. The service will then translate the document,
but in this case the user can choose to have the document
translated either to a web page or to plain ASCII text. Only
this method will provide the requestor translation to plain
text. For instructions, see: Other Means of Obtaining Documents The Bank invites comments on our accessibility policies.
You may send a letter or e-mail to: The Bank’s website has been created to be viewed in the commonly used browsers. The Bank has tested the website with many browser and printer combinations. However, it is impossible to test all possible configurations. We are aware that some users may experience printing problems with older versions of the Netscape Navigator browser. *Acrobat and the Acrobat logo are trademarks of Adobe Systems Incorporated. Digital Millennium Copyright Act The Bank will promptly terminate without notice any registered user's access to its limited access websites if the Bank determines that user to be a "repeat infringer." A repeat infringer is a registered user who has been notified that such user’s activity infringes copyright or other intellectual property rights more than twice or whose user-submitted content has been removed from the Bank's website more than twice. The Bank may also at its sole discretion limit access to any limited access Services or terminate registration for any limited access Service of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement. (a) If you are a copyright owner or an agent of a copyright owner and believe that any user content or other content infringes upon your copyrights, you may submit a notice pursuant to the Digital Millennium Copyright Act ("DMCA") by providing the Bank with the following information in writing (see 17 U.S.C 512(c)(3) for further detail): 1. Your physical or electronic signature (or the physical or electronic signature of a person authorized to act on your behalf); 2. A description of the copyrighted work you claim to have been infringed or, if you claim multiple copyrighted works have been infringed, a representative list of such works on the Bank’s website; 3. A description of the material you claim to be infringing or to be the subject of infringing activity and information reasonably sufficient to permit the Bank to locate the material so that it may be removed or access to it may be disabled; 4. Your contact information, including your address, telephone number, and e-mail; 5. A statement that you have a good-faith belief that use of the material in the manner of which you have complained is not authorized by the copyright owner, its agent, or the law; and 6. A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. (b) If you believe that your user content that was removed or to which access was disabled is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the content in your user content, you may send a counter-notice containing the following information: 1. Your physical or electronic signature; 2. A description of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled; 3. A statement under penalty of perjury that you have a good-faith belief that the material was removed or access to it was disabled as a result of mistake or misidentification of the material; 4. Your name, address, telephone number, and e-mail address; 5. A statement that you consent to the jurisdiction of the United States district court for the judicial district in which your address is located or, if you are outside the United States, to the jurisdiction of the United States district court for the Southern District of New York; and 6. A statement that you will accept service of process from the person who provided the Bank with notification of the alleged infringement or that person’s agent. If a counter-notice is received by the Bank, the Bank will send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed material or cease disabling access to it in 10 business days. Unless the original complaining party files an action seeking a court order against the content provider, member or user, the Bank may replace the removed content or restore access to it in 10 to 14 business days following receipt of the counter-notice. (c) DMCA notices and counter-notices should be sent to research.publications@ny.frb.org, or Webmaster - Web Communications, Bank, 33 Liberty Street, New York New York 10045. Registration and Termination You agree to:
You agree not to:
You may terminate your license to use the Services, or any registration you have for the Services by discontinuing use of the Services. The Bank may terminate your license, your account or your use of the Services and remove or discard all or any part of your registration data or user content at any time without prior notice for any reason at its sole discretion. The Bank may alter or eliminate Services at any time without notice. User-Submitted Content and Content Licenses In connection with User Submissions, you affirm, represent, and/or warrant that: 1. You own or have the necessary licenses, rights, consents, and permissions to use and authorize Bank to use all patent, trademark, trade secret, copyright, other intellectual property rights or proprietary rights in and to any and all User Submissions to enable inclusion and use of the User Submissions in the manner contemplated by the Liberty Street Economics blog and these Terms of Use. 2. Your User Submission is not confidential and does not and will not: (a) infringe, violate, or misappropriate any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (b) slander, defame, or libel any other person; (c) violate any contractual restrictions or other third party rights; or (d) violate these Terms of Use; and 3. Your User Submission does not contain any viruses, adware, spyware, worms, or other malicious code. You retain all of your ownership rights in your User Submissions. However, by submitting User Submissions to the website, you hereby grant the Bank a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Submissions in connection with the Liberty Street Economics blog and the Bank's business, including without limitation for promoting and redistributing part or all of the Liberty Street Economics blog (and derivative works thereof) in any media formats and through any media channels without acknowledgment or compensation to you. You understand and agree that the Bank may retain server copies of User Submissions that have been removed or deleted. By submitting User Submissions to the Bank’s website, you also hereby grant each user of the Services a perpetual, irrevocable, worldwide, non-exclusive, royalty-free license to access your User Submissions through the Bank’s website, and to use, reproduce, distribute, display and perform such User Submissions as permitted through the functionality of the website and under these Terms of Service. Such licenses granted by you in User Submissions are perpetual and irrevocable. You agree that you will not submit material that is copyrighted, protected by trade secret or otherwise subject to third-party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant the Bank all of the license rights specified in these Terms of Use. You agree that you will not submit material that is contrary to these Terms of Use, which may be updated from time to time, or contrary to applicable local, national, and international laws and regulations. You acknowledge and accept the Comment Guidelines located in the left-hand column of the Liberty Street Economics blog. The Bank does not endorse any User Submission or any opinion, recommendation, or advice expressed in User Submissions, and the Bank expressly disclaims any and all liability in connection with User Submissions. The Bank reserves the right to remove User Submissions without prior notice. The Bank is not responsible for a user’s misuse or misappropriation of any content or information you post. The following restrictions and conditions apply specifically to your use of content on the Bank’s website.
The Bank reserves the right not to post any User Submission for any reason. The Bank may remove User Submissions and/or terminate a user's access for uploading material in violation of these Terms of Use at any time, without prior notice. The Bank may refer any suspected fraudulent, abusive or illegal activity to appropriate law enforcement authorities. These remedies are in addition to any other remedies the Bank may have at law or in equity. Changes to Terms of Use Limitation of Liability Release and Waiver Indemnification Invalidity of Specific Terms Location of Lawsuit and Choice of Law *Acrobat and the Acrobat logo are trademarks of Adobe Systems Incorporated. Updated: March 2012 |
