The Global Partnership for Financial Inclusion (referred to below as "GPFI") provides this web site (the "Site") as part of efforts to provide broad public access to information. The Site has been developed with the assistance of International Finance Corporation ("IFC"). We encourage you to use the information and data it contains (the "Materials") as well as communications tools designed to facilitate this use. Unless explicitly stated otherwise, the Site, the Materials, those communications tools, and any new tools made available by us that alter or improve your use of the Site or the Materials shall be subject to this agreement (these "Terms of Use"), and by using the Site you consent to be bound hereby.

For some of the Materials, the Site has specific terms of use, all of which are hereby incorporated by reference. Those specific terms of use are available on the pages through which the relevant Materials are accessible. For the remainder of the Materials, you may make non-commercial uses thereof, solely for internal purposes, but you may not make any commercial use, including without limitation reselling them, charging to access them, charging to redistribute them, or charging for derivative works based on them. The foregoing license is conditioned upon your providing proper attribution to GPFI and any relevant content provider(s) in the following format: "GPFI’s content provider(s)] authorizethe use of this material subject to the terms and conditions on its website, http://www.gpfi.org/terms-of-service."

Unless expressly stated otherwise, the findings, interpretations, and conclusions expressed in the Materials in this Site are those of the various authors of the Materials and are not necessarily those of GPFI and its members.

No Endorsement

You may not publicly represent or imply that IFC or GPFI is participating in, or has sponsored, approved, or endorsed the manner or purpose of your use or reproduction of the Materials. GPFI will prosecute, to the fullest extent of the law, any use of Materials in a manner that falsifies, misrepresents, disparages, or fraudulently uses the Materials.

No Association

You may not use any trademark, official mark, official emblem, or logo of IFC or GPFI, or any of its other means of promotion or publicity, without IFC’s prior written consent (on behalf of itself and/or GPFI) nor in any event to represent or imply an association or affiliation with GPFI.