Citi® Tech for Integrity Challenge

Citi® Tech for Integrity Challenge

For questions email us at openinnovation@citi.com 

Challenge rules

Terms and Conditions and Privacy Statement of Citi Tech for Integrity Challenge

TERMS AND CONDITIONS

 The Citi Tech for Integrity Challenge, also known as T4I (“Challenge”), is a global virtual accelerator competition hosted by Citibank, N.A. (“Citi,” “we,” or “us”) with the goal of identifying, or “crowdsourcing,” the best technology solutions to promote integrity, transparency and accountability for public sector entities, including Citi’s clients and allies (which include sponsors of the Challenge). The Challenge is governed by these Terms and Conditions (“Terms”). By registering for the Challenge, you agree to comply with all applicable laws, and to abide and be bound by these Terms and any other guidelines or instructions provided to you during the Challenge, and you also agree that all decisions of Citi and the Challenge’s judges are final and binding on you. The Challenge is void in any jurisdictions where it is prohibited or restricted by law.  These Terms including, without limitation, any dates, deadlines, awards and the location of any day on which a solution may be presented as further outlined below (“Demo Days”), are subject to change by us at any time and all registrants agree to be bound by such changes.

  1. Eligibility

You may only register for the Challenge if (i) you are a business enterprise, legally authorized to do business and in good standing to do business in any jurisdictions in which your business enterprise operates throughout the period when the Challenge is being conducted and any awards and opportunities may be provided, , (ii) you have full power and authority to legally bind your business enterprise (please note that all references in these Terms to ‘you’ or ‘registrant’, or to ‘participant’ or ‘finalist’, if you are selected as a participate or finalist, shall refer to you and your business enterprise unless otherwise noted) , and (iii) only employees of your business enterprise have made or will make contributions to any proposal or solution and each of them are at least 18 years old (or at least the age of majority in your jurisdiction of residence, whichever is older) at the time of registration. You may not register if you or any of your employees are a resident in any jurisdiction where the Challenge is void or to the extent it is prohibited or restricted by law. In addition, employees of Citi will not be eligible to register, participate in or advise anyone participating in the Challenge (other than as specifically approved in advance by Citi in connection with any mentorship program or similar accelerator support). However, the Challenge is open to eligible businesses that have previously sold, licensed or otherwise provided services and/or similar solutions to Citi. Citi may at any time request valid proof of identity, residency, age and other relevant documentation and may disqualify a registrant if Citi determines (in its sole and reasonable discretion) that the provided proof is not sufficient.

In addition, Citi may, without notice and at any time in its sole and reasonable discretion, disqualify any registrant or participant (including any your employees) who: does not meet the Challenge’s eligibility criteria, fails to comply with these Terms as determined by Citi in its sole and reasonable discretion, attempts to register or participate in the Challenge in any manner or through any means other than as described in these Terms, attempts to disrupt or undermine the Challenge or attempts to circumvent any of these Terms, including (but not limited to) any individual who tampers with or in any way corrupts the submission or voting process, or who attempts to undermine the legitimate operation of the Challenge by cheating, hacking, deception, or other unfair practices, or by attempting to annoy, abuse, threaten or harass any other participants or Citi representatives.

You are not required to make any purchase or pay any fee to register for, participate in, or receive an award or other recognition in the Challenge. However, you are responsible for all expenses you may choose to incur in connection with the Challenge, including but not limited to any air or ground transportation, passports and visas, hotel accommodations, meals, beverages and any expenses associated with traveling to a Demo Day or any activity associated with participation in the Challenge.

2. Registration

If you meet the eligibility requirements, you may register to be considered for the Challenge by completing the registration process at https://citit4ichallenge.agorize.com/en/challenges/citi-tech-for-integrity-challenge.  After you register, you will be asked to complete the Challenge application which will ask you to prepare and provide certain documents and information about your business and your proposed solution, which should aim to address one or more of the pain points that are outlined at www.openinnovationhub.tech. Please review the requirements of the application carefully to understand the documents and information that will be required after you register for your solution to be considered.  Registering and/or completing an application for the Challenge does not mean that you will automatically be accepted to be a participant in the Virtual Accelerator Class or be considered a finalist at a Demo Day.

In addition, when you register, you must enter the required information accurately, and accept the terms and conditions (and the Privacy Statement referenced in Section 14 of these Terms) displayed as part of the registration process.

All registrations and completed applications must be received by Citi on or before March 12, 2017 at 11:59 PM Eastern Time (“ET”) to be considered for the Challenge. It is solely your responsibility to ensure that you are properly registered and have submitted your application. 

  1. Solution Categories

Integrity pain points are problems that organizations face as they strive to increase transparency and efficiency. We have identified the following areas where integrity, accountability and transparency are paramount and invite solutions to address the pain points outlined at www.openinnovationhub.tech in one or more of the following categories, which are subject to change at any time at Citi’s discretion:

  • Government Transactions: Financial technologies and electronic banking solutions that improve transparency and control for payments and collections, including benefit payments and subsidies.
  • Culture, Ethics & Citizen Engagement: Educate and engage citizens in the anti-corruption agenda, and promote a low-tolerance environment that increases awareness, responsibility and standards of behavior.
  • Information Security & Identity: Secure information, including identities, networks and transactions involving governments in order to protect and enable digital solutions. Consider cybersecurity solutions.
  • Crisis Management & Aid: Develop “fraud-and-graft-resistant” crisis payment tools designed for use in remote areas, during natural disasters and refugee crises, and in conflict zones. Audit and track value and data transfers, including development assistance, digitally and remotely.
  • Cutting the Red Tape: Minimize paper documents, cash transactions and manual processes, reducing opportunities for corruption, minimizing bureaucracy and promoting efficiency in financial processes.
  • Analytics, Reporting & Transparency: Consider big data solutions and advanced analytics that detect, deter and prevent fraud and inappropriate financial transactions. Improve “whistle-blower” tools and auditing techniques.
  • Financial Crimes & Illicit Activities: Apply financial technology to crack down on other illicit activities, such as nepotism, bribery and complicity in money laundering, tax evasion and the financing of terrorism.
  • Procurement: Ensure that procurement procedures are transparent, and government contracts are awarded in a fair and accountable manner.
  1. Challenge Phases and Key Dates (which are subject to change)

The Challenge is separated into the following phases:

  • Registration Period (February 6, 2017 – March 12, 2017)
  • Selection of Virtual Accelerator Class Participants (March 13, 2017 – March 19, 2017)
  • Virtual Accelerator Class Participation (March 20, 2017 – April 18, 2017)
  • Review Period to Determine Finalists (April 19, 2017 – April 20, 2017)
  • Dublin and Abu Dhabi Finalists Announced (April 23th, 2017)
  • Buenos Aires and Mexico City Finalists Announced (April 30, 2017)
  • Hyderabad and Singapore Finalists Announced (May 7, 2017)
  • Abu Dhabi Demo Days (May 14, 2017 – May 15, 2017)
  • Dublin Demo Days (May 17, 2017 – May 18, 2017)
  • Mexico Demo Days (May 25, 2017 - May 26, 2017)
  • Buenos Aires Demo Days (May 29, 2017 – May 30, 2017)
  • Singapore Demo Days (June 8, 2017 – June 9, 2017)
  • Hyderabad Demo Days (June 12, 2017 – June 13, 2017)

 

You may register and submit an application for the Challenge starting February 6, 2017 at 12:00 AM ET until March 12, 2017 at 11:59 PM ET. Citi will then review all eligible applications received by the deadline of March 12, 2017 at 11:59 PM ET in accordance with the judging criteria set out in Section 7 below, and select up to three hundred (300) participants who will be notified on or about March 20, 2017 to participate in the Virtual Accelerator Class scheduled to take place from March 20, 2017 – April 20, 2017. 

Virtual Accelerator Class participants will benefit from mentorship by subject matter experts,  and access to developer tools, such as APIs. The Virtual Accelerator Class curriculum will be delivered via webinars and other online means. At the end of the Virtual Accelerator Class, participants will complete a final submission, including a video of their working solution that uses a storytelling format to help the judges understand their solution.

If you are selected by Citi to participate in the Virtual Accelerator Class, you will be required to submit your final solution to Citi on or before April 18, 2017 at 11:59 PM ET. The video must be in English and can be filmed through any means available to participants including a smartphone or tablet camera. Citi and the Challenge’s judges will use the judging criteria set out in Section 7 below to select a group of ninety (90) to one hundred and twenty (120) finalists to present at Demo Days.  The number of finalists selected to present at Demo Days may be subject to change.

Finalists will be notified of their selection to participate in a Demo Day on or around the dates specified in the list outlined above.  The finalists will be invited to present their solutions at one (1) of six (6) Demo Days held from May 15, 2017 to June 13, 2017 in each of the following regions: Abu Dhabi, Dublin, Ireland; Buenos Aires, Argentina; Mexico City, Mexico; Singapore, and Hyderabad, India. Exact dates, times and locations of the Demo Days will be posted at www.openinnovationhub.tech. During the Challenge registration process, participants will be asked to rank their preferences for Demo Day locations. Citi will attempt to accommodate ranking preferences; however Citi cannot guarantee that requests will be honored, and Citi’s decision as to which location a finalist is invited to present at will be final.

As part of the presentation of their prototypes, finalists must submit a video of up to two minutes (2:00).  Any and all videos or materials presented at a Demo Day must be in English.  Finalists will be given six minutes (6:00) to present their solutions and an additional two minutes (2:00) to respond to questions.

  1. Solution Guidelines

A solution developed and submitted in connection with the Challenge must meet all of the following criteria:

  1. It must not contain, depict, imply or refer (explicitly or through any commonly recognized abbreviations or other representations) to any crude, vulgar, obscene, sexually explicit, violent, disparaging, discriminatory, offensive, illegal or otherwise unsuitable language, activity or other content (all as determined by Citi in its sole discretion).
  2. It must not contain, depict or refer to any content which disparages or refers negatively to Citi, the Challenge, or any other person or entity (all as determined by Citi in its sole discretion).
  3. It must not contain, depict or refer to any content which unnecessarily refers to any third party (person or entity) (as determined by Citi in its sole discretion).
  4. It must not conflict with any of Citi’s core values, or otherwise be objectionable to Citi (as determined by Citi in its sole discretion).
  5. It must not contain any content that violates any law or any third party’s rights (including privacy, publicity, personality and intellectual property rights).
  6. It must not have been submitted to any other challenge, program or promotion where you were required to grant any licenses or other rights with respect to your solution to the operator or promoter of the challenge or program, or any third parties, that would in any way prevent your participation in the Challenge or affect the rights you are granting under these Terms.
  7. It must not contain malicious code or be coded or designed in such a way that it creates an information security risk or otherwise compromises the integrity of the solution, whether as a stand-alone solution or as integrated with any other content.
  8. It must be in English.
  9. The solution, business team name associated with the solution, or other related submissions or materials must not use the Citi name or any trademarks, service marks, slogans, trade dress, logos or social media or other handles of Citi.
  10. It must meet all other guidelines and criteria listed at openinnovationhub.tech.

Citi may disqualify any solution, without notice, if Citi determines (in its sole and reasonable discretion) that the solution does not comply with any of the above requirements or otherwise with these Terms.

  1. Your Additional Representations and Warranties

By submitting an application/solution/video to Citi, you represent and warrant that:

  1. you satisfy all eligibility requirements for registrants/participants;
  2. you are the original creator of the solution/video;
  3. you are the sole owner of the copyright and all other rights in the solution and all content in and on the solution/video;
  4. Citi (and its designees) will not infringe or violate any third party’s intellectual property, privacy, publicity, personality or other rights when Citi (or its designees) copies, displays, edits, modifies, transmits or otherwise uses that description/solution/video in connection with the Challenge or the publication of the Challenge or any future Citi event; and
  5. the solution meets all of the eligibility requirements set out in these Terms.
  6. Judging Process

Citi and the Challenge’s judges will select the Virtual Accelerator Class participants and finalists in their sole discretion.

Because we are seeking innovative ideas and solutions, there is no single criterion on which we will judge your submission. To determine the Virtual Accelerator participants, finalists and overall award recipients, solutions will be judged on a combination of the following objective criteria:

  • Global reach
  • Innovation
  • Scalability
  • Integrity impact
  • Functionality
  • Implementation feasibility

Decisions of the judges with respect to all aspects of the Challenge will be final and binding.

  1. Award Recipients

Participants who have been selected to receive an award will be notified by email and/or phone. NEITHER FINALISTS NOR AWARD RECIPIENTS WILL BE GUARANTEED A COMMERCIAL OPPORTUNITY WITH CITI OR ANY OF THE PARTICIPATING ALLIES. In order for a participant to be declared eligible for an award in the Challenge, he or she must have complied with, and remain in compliance with, these Terms, and must sign and deliver to Citi (within 10 days after Citi’s request) a standard declaration and release form, which will include: a declaration of the participant’s compliance with these Terms, an acceptance of the award as provided, a publicity release, a liability release, an IRS Form W-9 or Form W-8, as applicable, and any other documentation that Citi may require, in its reasonable discretion. Citi may disqualify any registrant (including, where applicable, all employees of the registrant’s company) who fails to sign and return to Citi any declaration, affidavit, or release required under these Terms.

If the award notification is returned as undeliverable or if a selected award recipient does not comply with all of the above requirements within the above time frames, or does not otherwise comply with these Terms, Citi may disqualify the finalist, and the Challenge judges may select a replacement award recipient.

Citi expects to announce the names of certain award recipients on-site at Demo Day locations and all award recipients will be identified and announced no later than July, 2017.

  1. Awards and Opportunities

Audience choice award (1): Citi, allies and guests at each Demo Day, virtual and live, will vote to select the award recipient.

Peer choice award (1): Finalists will vote amongst themselves for their preferred innovation.

Citi and Ally awards: Allies provide additional cash or in-kind awards. The recipients are determined by each respective ally or Citi business unit.

T4I award: A panel of distinguished judges from the public and private sector will vote to determine at least one Global T4I award recipient. The recipient(s) will receive a cash award. 

Monetary Awards: Cash awards will be given in check in U.S. currency in the name of the business entity that registered for the Challenge (and not to any individual employees). Where applicable, Citi will make reasonable efforts to deliver awards to the addresses/accounts provided by recipients. However, Citi cannot guarantee that any awards returned to Citi due to non-delivery at the provided address will be re-sent to the award recipient. Citi will not be responsible for any awards offered by any participating allies, and you acknowledge and agree that if you are selected as an award recipient, you will look solely to such participating allies in the event an award is not provided to your satisfaction. Where required to do so by applicable law or regulation, Citi reserves the right to withhold all applicable taxes at source from all cash awards, unless it has been presented with a valid exemption (full or partial) from the applicable authorities with respect to such tax withholding.

Non-monetary Opportunities: Citi and participating allies may offer award recipients the opportunity to explore a commercial relationship with Citi and/or such participating allies, provided, however, that Citi shall have no obligation to enter into any contract regarding, or make use of, the applicable solution. Opportunities may include subscriptions to allies’ services, mentorship packages or other in-kind support. Any non-monetary opportunities offered in connection with the Challenge should not be viewed as awards or prizes. The provision of any non-monetary opportunities is to be determined by Citi and participating allies in their sole discretion, and Citi and participating allies will be under no obligation to offer any non-monetary opportunities to any participant.

All awards or other opportunities are subject to change by Citi without notice, must be accepted as awarded or provided (with no substitutions), and may not be sold or transferred. Recipients of awards or other opportunities will be solely responsible for all travel and other costs associated with the Challenge and obtaining or redeeming the award(s) and/or opportunities, including but not limited to any air or ground transportation, hotel accommodations, meals, and beverages.

All taxes in connection with any award or non-monetary opportunity are the sole responsibility of the recipient. Award recipients should consult their tax advisors on any questions. Award recipients will be asked to provide a Form W-8 or W-9, as appropriate, to identify their tax status for U.S. information reporting and withholding purposes. Prizes and awards paid to a U.S. person in the aggregate amount of $600 or more are reportable on IRS Form 1099-MISC. Prizes and awards paid to a non-U.S. person are reportable on IRS Form 1042-S and are subject to withholding at the rate of 30%, unless a lower treaty rate applies.

  1. Cancellation

If for any reason Citi cannot run the Challenge as planned due to any force majeure events Citi may modify, extend, suspend, or cancel the Challenge in its sole and reasonable discretion, to the extent permitted by applicable law.

  1. Intellectual Property Rights

You will retain any intellectual property rights you have in the solution and video that you create (including in any software code). However, by participating in this Challenge, you acknowledge and agree that any ideas or concepts related to your solution or the content that you share in connection with the Challenge are not confidential or proprietary, and Citi and others may use, incorporate or disclose any of them now or in the future in any manner, and you waive any and all claims that you may have against Citi (or its affiliates, contractors and agents) or anyone else participating in or otherwise attending this Challenge for such use or disclosure.

By making a submission, you acknowledge and agree that Citi may obtain many submissions in connection with this Challenge and/or other marketing initiatives or challenges staged and/or offered by Citi, and that such submission may be similar or identical in theme, idea, format or other respects to other submissions submitted in connection with this Challenge, such other initiatives, or for other reasons, or other materials developed by Citi or its contractors or agents. Unless prohibited by applicable law, you waive any and all claims against Citi, its affiliates, allies and/or any other participants you may have had, or may have now or in the future, that any submission and/or other works (including videos) accepted, reviewed and/or used by Citi, its affiliates, or other participants may be similar to your submission, or that any compensation is due to you in connection with such submission or other works used by Citi or its affiliates. For the avoidance of doubt, the foregoing waiver shall not impair or limit any legal rights under applicable national legislation governing consumer rights that cannot be excluded, limited, amended or waived.

In addition, you hereby grant to Citi and its designees the unrestricted, non-exclusive, royalty-free, irrevocable, worldwide, sub licensable, assignable, license (but not the obligation) for the maximum duration permitted by applicable law to store, copy, reproduce, communicate to the public, modify, edit, display, transmit, publicly perform, make available to the public, translate or make derivative works from, and otherwise use your submission/solution/video (in whole or in part) and such derivative works in any medium without any fee or other form of compensation, and without further notification or permission or attribution, for the following purposes:

  1. administering and publicizing the Challenge;
  2. identifying you by name as the creator of the solution along with a description of the solution;
  3. displaying some or all of the submissions (including any videos provided by participants) at the Demo Days and post-Demo Day events (e.g., roadshows), and in any and all media now known or hereafter devised, worldwide; and
  4. advertising or promotion in any media, including to advertise the Challenge, future challenges, and Citi’s products and services.
  5. Publicity

You acknowledge and understand by attending a Challenge event, webinar or any curriculum activities associated with the Challenge that you may be photographed, videotaped and otherwise recorded by Citi or its designees (collectively, "Footage") and may be required to sign an affidavit and release for such Footage. Footage will be owned by Citi, and Citi and its designees shall have the right to use, edit, adapt, post, stream, copy and exploit such Footage and all elements embodied therein, including any names and likenesses embodied therein, in whole or in part, in any and all media now known or hereafter devised throughout the world, for the fullest extent permitted by applicable law, for advertising, promotional, trade and other purposes.

Except where otherwise prohibited by law, by registering for the Challenge, you consent to Citi’s use of your name, voice, likeness, biography and home town name, mention of the nature of your participation in the Challenge and photographs and video taken at the Challenge events, for marketing and promotional purposes without further notification, permission, payment or consideration.

For a list of the recipients of the awards, send an email to openinnovation@citi.com after July, 2017.

PARTICIPANTS ARE PROHIBITED FROM PROVIDING PUBLIC STATEMENTS OR ISSUING PRESS RELEASES TO THE PUBLIC ABOUT THE CHALLENGE WITHOUT THE EXPRESS WRITTEN CONSENT OF CITI IN EACH INSTANCE. FAILURE TO COMPLY WITH THIS REQUIREMENT MAY RESULT IN DISQUALIFICATION.

  1. Personal Information Consent

By registering for the Challenge, you consent to Citi using and disclosing your personal information and other information about you  to third parties (whether in or outside your location of residence), including but not limited to participating allies and other Citi allies, for the purposes of administering the Challenge; advertising the Challenge and any future challenges or hackathons and any of Citi’s products and services; facilitating connections between such third parties and registrants of potential interest to them; and for the other purposes described in these Terms and Conditions. Note that there is no legal obligation for you to provide us with personal information and any information collected by us is provided by you at your own will and with your consent. Details of personal information consent, and how Citi may use your personal information, can be found in Citi’s Privacy Statement, available at http://www.openinnovationhub.tech/privacy-statement/

  1. Disclaimers, Liability and Indemnification

EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, CITI DOES NOT ACCEPT LIABILITY FOR ANY LOSS OR DAMAGE OF ANY APP OR OTHER SOLUTION/SUBMISSION OR FOR ANY OTHER LOSS OR DAMAGE RESULTING DIRECTLY OR INDIRECTLY FROM YOUR PARTICIPATION IN THE CHALLENGE OR YOUR RECEIPT, USE OR REDEMPTION OF ANY AWARD(S) OR OPPORTUNITY, OR YOUR INABILITY TO RECEIVE, USE OR REDEEM ANY AWARD(S) OR OPPORTUNITY.

EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, CITI IS NOT RESPONSIBLE FOR: (1) ANY INCORRECT OR INACCURATE TRANSCRIPTION OF SUBMISSION INFORMATION OR ANY LATE, LOST, INCOMPLETE, ILLEGIBLE, DAMAGED, MISDIRECTED, OR UNDELIVERABLE SUBMISSIONS, OR SUBMISSIONS RECEIVED THROUGH IMPERMISSIBLE OR ILLEGITIMATE CHANNELS; (2) TECHNICAL FAILURES OF ANY KIND, INCLUDING THE MALFUNCTIONING OF ANY TELEPHONE, COMPUTER, NETWORK, HARDWARE OR SOFTWARE; (3) THE UNAVAILABILITY OR INACCESSIBILITY OF ANY SERVICE; (4) UNAUTHORIZED HUMAN INTERVENTION IN ANY PART OF THE SUBMISSION PROCESS OR THE CHALLENGE; (5) ELECTRONIC OR HUMAN ERROR WHICH MAY OCCUR IN THE ADMINISTRATION OF THE CHALLENGE OR THE PROCESSING OF SUBMISSIONS; OR (6) ANY INJURY OR DAMAGE TO PERSONS OR PROPERTY, INCLUDING YOUR COMPUTER, WHICH MAY BE CAUSED, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, BY YOUR PARTICIPATION IN THE CHALLENGE OR FROM DOWNLOADING OR USING ANY MATERIAL PROVIDED BY OR ON BEHALF OF CITI.

EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, CITI WILL NOT BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES IN CONNECTION WITH THE CHALLENGE OR THESE TERMS AND CONDITIONS.

EXCEPT TO THE EXTENT PROHIBITED BY APPLICABLE LAW, YOU HEREBY RELEASE AND AGREE TO INDEMNIFY AND HOLD HARMLESS CITI AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, ADVERTISING AND PROMOTIONAL AGENCIES, AND THE CHALLENGE JUDGES FROM ANY AND ALL DAMAGES, INJURIES, CLAIMS, CAUSES OF ACTIONS, LIABILITY OR LOSSES OF ANY KIND (INCLUDING LEGAL FEES AND EXPENSES), KNOWN OR UNKNOWN, ABSOLUTE OR CONTINGENT, NOW OR IN THE FUTURE ARISING FROM OR RELATED TO: (A) YOUR FAILURE TO COMPLY WITH ANY OF THESE TERMS AND CONDITIONS; (B) ANY MISREPRESENTATION YOU MAKE UNDER THESE TERMS AND CONDITIONS OR OTHERWISE TO CITI; (C) YOUR PARTICIPATION IN THE CHALLENGE; OR (D) YOUR RECEIPT, USE OR REDEMPTION OF ANY AWARD OR OPPORTUNITY, OR YOUR INABILITY TO RECEIVE, USE OR REDEEM ANY AWARD OR OPPORTUNITY.

NOTHING IN THESE TERMS AND CONDITIONS SHALL OPERATE SO AS TO EXCLUDE OR RESTRICT CITI'S LIABILITY FOR FRAUD, FRAUDULENT MISREPRESENTATION, FRAUDULENT CONCEALMENT OR FOR DEATH OR PERSONAL INJURY RESULTING FROM THE NEGLIGENCE OF CITI OR ITS EMPLOYEES WHILE ACTING IN THE COURSE OF THEIR EMPLOYMENT, OR FOR ANY OTHER LIABILITY TO THE EXTENT SUCH LIABILITY CANNOT BE EXCLUDED OR LIMITED AT LAW.

  1. Law

THIS CHALLENGE AND THESE TERMS AND CONDITIONS ARE GOVERNED BY U.S. LAW, AND YOUR REGISTRATION FOR THE CHALLENGE CONSTITUTES YOUR ACCEPTANCE AND AGREEMENT TO BE BOUND BY U.S. LAW, REGARDLESS OF THE COUNTRY IN WHICH YOU RESIDE.

All issues and questions concerning the construction, validity, interpretation and enforceability of these Terms, or the rights and obligations of registrants and Citi in connection with the Challenge, shall be governed by, and construed in accordance with the federal laws of the United States of America. To the extent permitted by applicable law, no laws, rules or regulations of any country other than the United States shall apply to any aspect of the Challenge, or any registrants of the Challenge, even if such registrants are legal residents of, doing business in, or otherwise subject to the laws of any such countries, and if invited to participate in the Challenge, you hereby waive and agree not to apply or pursue any actions under the laws of any country other than the United States. Unless otherwise prohibited by applicable law, if any provision of these Terms or any other terms provided by Citi in connection with the Challenge is held to be invalid, illegal or unenforceable, then the validity, legality and enforceability of the remaining provisions will not in any way be affected or impaired thereby, and the invalid, illegal or unenforceable provision shall be replaced by a valid, legal and enforceable provision that comes closest to the intention of the parties underlying the invalid, legal or unenforceable provision.

TO THE EXTENT THESE TERMS AND CONDITIONS ARE TRANSLATED INTO ANY LANGUAGES OTHER THAN ENGLISH, THE ENGLISH LANGUAGE VERSION SHALL CONTROL.

  1. Disputes

All disputes, claims and causes of action arising out of or connected with the Challenge, awards or these Terms and Conditions will be resolved individually, without resort to any form of class action, and exclusively by the appropriate court of the United States to the extent permitted by applicable law. Further, in any such dispute, under no circumstances will any registrant be permitted to obtain awards for, and you hereby waive all rights to claim, punitive, incidental or consequential damages, including attorneys' fees, other than such registrant’s/your actual out-of-pocket expenses (e.g., costs associated with participating), and you further waive all rights to have damages multiplied or increased, in each case to the fullest extent permitted by law. To the extent of any disputes with respect to the Challenge, or your company’s participation in the Challenge, the jurisdiction and venue for resolution of such disputes shall be determined by Citi and be in the United States, even if you are legal residents of, doing business in, or otherwise subject to the laws of any other countries, and if invited to participate in the Challenge, you hereby waive and agree not to pursue any actions in any jurisdiction or venue other than the jurisdiction and venue in the United States selected by Citi to the extent permitted by applicable law.

  1. Further Information

For more information please email the Challenge team at: openinnovation@citi.com.

 

PRIVACY POLICY STATEMENT

This Privacy Statement forms part of the legally binding Terms and Conditions (the “Terms”) that include the Citi Tech for Integrity Challenge Terms and Conditions (“Challenge Terms and Conditions”)  as applicable between you and Citibank, N.A. (“Citi”, “we,” “us,” “our”).  This Privacy Statement provides information as to how we use Personal Information submitted in connection with the Challenge, whether through www.openinnovationhub.tech (“Website”), as part of the registration or application process set out in the Challenge Terms and Conditions or as otherwise collected in relation to the Challenge or Website.

By accepting the Challenge Terms and Conditions, you also agree to this Privacy Statement and you give consent to (and if you are entering the Challenge as the representative of a company, you agree and give consent on behalf of the company and each applicable employee to) the collection, storage, transmission, disclosure and use of Your Personal Information and the use of cookies as set out below.

As used herein, the term “Personal Information” means any identifiable information that relates to any registrant or participant in relation to the Challenge. Capitalized terms not otherwise defined herein shall have the meaning ascribed to them in the Challenge Terms and Conditions.

We invite you to see below to get answers to questions regarding this Privacy Statement.

  1. What Personal Information is collected?
    Citi collects and may use certain Personal Information about you in order to operate and administer the Challenge and the Website and for other purposes set out in this Privacy Statement. If you decide to participate in the Challenge as described in the Challenge Terms and Conditions, you will be asked to register and you may be asked to provide further Personal Information during the course of the Challenge. You are not legally required to provide any Personal Information to us (and any Personal Information you provide is at your own will and with your consent), but you acknowledge that without this information, you may not be able to register for, or participate in, the Challenge. By making any submission in connection with the Challenge, via the Website or otherwise (“Submission”), you agree that Citi may collect other Personal Information about you, including, but not limited to, the following:
  • additional Personal Information that you may choose to provide when making a Submission or during the course of the Challenge. Please do not provide any sensitive Personal Information about you or any other person (including, without limitation, financial information, payment instrument details, social security numbers or other government issued identification numbers, passwords, information about an individual’s religious, confessional or similar beliefs, racial or ethnic origin, health or sexual life, genetic code, addictions, physical, physiological and mental health, sexual orientation, medical records, political affiliation or political party membership, trade union membership, information about criminal offences or proceedings for any committed or alleged criminal offence or any other categories of Personal Information defined as sensitive under applicable data protection laws, provided, however, that with respect to residents of India, any such information that is freely available or accessible in public domain or furnished under India’s Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive Personal Information);
  • information about your usage of the Website (e.g., the pages you request and visit);
  • information obtained in the course of maintaining or supporting the Website; and
  • information about your Internet use, such as your IP address, the URLs of sites from which you arrive or leave the Website, your type of browser, your operating system, and/or your internet service provider (ISP).

We may also collect information about your mobile provider, your mobile device and your usage of any mobile apps you download in connection with the Challenge.

  1. Which Citigroup entity controls my Personal Information?
    Your Personal Information will be controlled by Citibank N.A., whose principal place of business is 399 Park Avenue, New York, NY 10043 and/or the Citi entity which operates the particular Website you are accessing.If you would like additional information regarding the applicable Citi entity or entities, please contact us at openinnovation@citi.com.
  2. What are cookies and how are they used to collect Information?
    A cookie is a piece of data stored on your hard drive containing information about you. There are certain strictly necessary cookies which are essential in order to enable you to move around the Website and use its features. Citi may use cookies on the Website to help recognize you when you return to the Website. Citi may also use cookies to compile statistics about usage of the Website and to help Citi improve the structure of the Website. Citi may also use the following types of cookies:Functionality cookies: These cookies allow the Website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features.

Social media cookies: These cookies are used when you share information using a social media sharing button or “like” button on our Websites or when you link your account or engage with our content on or through a social networking website such as Facebook, Twitter or Google +. The social networking websites will record that you have done this. This information may be linked to targeting/advertising activities.

We occasionally use other companies to set cookies on our websites and gather cookie information for us. In some cases, we will also use another company to operate web servers for our sites. We use the cookie information gathered by these companies in the same manner as stated above. The companies we use may not use these cookies for their own purposes or share the information gathered in connection with the cookies with others, in accordance with the terms of the contracts they have signed with us.

You have the ability to accept or decline cookies by modifying the settings in your browser. However, you may not be able to use all the features of the Website if cookies are disabled.

  1. Does Citi collect non-personally identifiable information and what does Citi do with it?
    Citi collects certain non-personally identifiable information in connection with the Challenge, your Submission and use of the Website. For example, Citi may collect click stream data, data on how you navigate the Website, and anonymous demographic information which we may use for website administration, analytics, market research, advertising and promotions or any other legitimate business use. We may share such information with various affiliated and unaffiliated entities for such purposes.
  2. How will my Personal Information be used?
    Any Personal Information collected in connection to the Challenge or through use of the Website will be available to Citi entities all over the world for any of Citi’s purposes set out in the Terms (a full list of Citi entities that may access your Personal Information can be found here. Citi entities may use and disclose (and share with or license other third parties – whether in or outside your location of residence – to use and disclose) such Personal Information in any and all media throughout the world: (i) for the purposes set out in this Privacy Statement and the Challenge Terms and Conditions, including for the purposes of administering the Challenge; (ii) in a reasonable manner for the purposes of the promotion, advertising, sale, publicizing and exploitation of the Submission, Challenge, future challenges and hackathons, Citi PR and Citi’s products and services; (iii) to facilitate connections between you and third parties who may be interested in you, your Challenge solution, or any of your Submissions; and (iv) as otherwise required in connection with Citi or its affiliated services, to the extent and for the duration permitted by applicable law.

In addition to other uses described herein, Citi will have access to and may use Personal Information collected in connection to the Challenge or through use of the Website for administering, managing and providing other functions and services in relation to the Challenge and Website, including but not limited to:

  • processing and facilitating your participation in the Challenge and your use of the Website;
  • enabling you to make Submissions;
  • enabling Citi or others (such as Citi’s service providers, allies, or Challenge sponsors) to communicate with you;
  • customizing the service we provide to you and other users,
  • providing you with any services that may be available on the Website from time to time;
  • monitoring compliance with the Terms and complying with applicable law or regulations and Citi policies; and
  • investigating any complaints or disputes about your application to, or participation in, the Challenge or your use of the Website.

If you consent to be contacted by email by Citi entities or other third parties involved with the Challenge, these entities may use (as appropriate) your relevant Personal Information to contact you by email with information, promotions or offers regarding upcoming events, products or services. To indicate your consent you can opt-in to receiving such direct marketing by Citi entities, participating sponsors and/or other Citi allies when prompted at the end of the registration process.

Citi may also disclose Personal Information and any other information regarding the Challenge or Website in order to protect the legal rights, privacy, safety, security or legitimate interests of Citi, its affiliates, and each of their respective investors, directors, officers, employees, agents and suppliers. These instances may include, but are not limited to: protecting the safety and security of visitors to our websites or other properties; complying with Citi policies; enforcing the Terms; complying with the law or regulations, or responding to a subpoena or other process; responding to inquiries or requests from public authorities; permitting Citi to pursue available remedies or limit the damages that it may sustain; protecting against fraud, crime, illegal activity, anti-money laundering, anti-terrorism, or for risk management purposes; or otherwise in connection with legal, compliance, regulatory and investigative purposes.

If Citi appoints third parties to host, maintain, manage, or to provide other services in relation to the Challenge or Website, then the Personal Information relating to the Challenge or the Website may be accessed and used by these third parties to the extent necessary to fulfill their hosting, maintenance, managerial, and/or other functions. Where these third parties are located outside the country of your legal residence, we will ensure that they provide an adequate level of protection for your Personal Information consistent with the requirements of this Privacy Statement.

If we sell all or part of our business, or make a sale or transfer of assets, or are otherwise involved in a merger or business transfer, we may transfer Your Personal Information to a third party as part of that transaction (and will seek your consent where required by applicable law).

Your Personal Information in relation to the Challenge and the Website will primarily be hosted in the United States. However, you understand and agree that the Website and any Personal Information relating to the Challenge or included on the Website may be hosted, maintained and accessed globally (including outside your country of legal residence and in the United States and including in countries that may not have data protection laws). A full list of Citi entities that may access your Personal Information can be found here.

  1. What about other websites?
    The Website may contain links to other websites. Please note that Citi is not responsible for the privacy or information security practices of other websites. You should carefully review the applicable privacy and information security policies and statements for any other websites to which you click through via the Website. This Privacy Statement applies solely to your Personal Information relating to the Challenge or collected by the Website.
  2. Is the Personal Information collected about me secure?
    Citi uses reasonable physical, electronic, and procedural measures to safeguard information against loss, theft, and unauthorized use, disclosure, or modification. Unfortunately, however, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your information, we cannot guarantee its security.You are responsible for maintaining the secrecy of your password, if any, and other Website registration or participation enrollment information, as applicable.
  3. What happens when Citi changes this Privacy Statement?
    From time to time, we may revise this Privacy Statement. Changes may be made for any number of reasons, including to reflect industry initiatives, changes in the law, and changes to the scope of the Website, among other reasons.  If your country requires you to reaccept any changes to this Privacy Statement in order for such changes to be enforceable, we will facilitate such approach.
  4. How long does Citi keep my Personal Information?
    Personal Information that you include in your Submissions or otherwise provide in connection with the Challenge will be retained in accordance with applicable law and Citi’s own internal records requirements if any.Citi will use reasonable efforts to notify you by email before deleting your profile, Submission or other Submission information.
  5. Who can I contact about accessing, amending or deleting my Personal Information?
    In certain countries, consistent with applicable law, you may have certain rights with respect to the Personal Information which Citi holds about you regarding the Challenge or Website including the right to access or correct (and sometimes, object to or delete) the information. If you would like to request deletion of your information subject to such rights, have questions or requests, would like to exercise other applicable rights under data protection law, wish to obtain a full list of the third parties to whom your information may be disclosed for the purposes set out in this Privacy Statement, or you no longer wish to receive information, promotions or offers regarding upcoming events, products or services, please contact us at openinnovation@citi.com so that we may guide you as to how to do this.If you have any other questions concerning this Privacy Statement, you may submit them to us at openinnovation@citi.com. Please do not send emails to us at this email address for other purposes.