Terms of Use

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RiskBowl – T&Cs

• Oliver Wyman has established the RiskBowl to facilitate discussion of compliance best practice amongst participating financial institutions.

• In order to ensure that the RiskBowl functions smoothly and successfully, it is important that RiskBowl participants, including their employees and other individuals participating in the RiskBowl on their behalf, observe the following guidelines. Oliver Wyman is not responsible for the actions of participants (or their representatives using the RiskBowl), including any liability that may arise from such actions.

• By entering RiskBowl and clicking “Accept” below, you shall be deemed to agree to the following terms.
Scope of discussions

• The RiskBowl has been established with the limited purpose of facilitating the discussion by financial institutions of [best practice as regards to developing regulatory compliant processes including methodologies used to calculate regulatory capital requirements and credit risk P&L] (the “Purpose”)

• [Such methodologies include (but are not limited to) those used to calculate the following metrics for assessing credit risk: probability of default, loss given default, exposure at default, significant increase in credit risk.

• Participants must strictly observe the Purpose in their interactions on the RiskBowl. This means that it is the responsibility of the participants:

• Not to use the RiskBowl to discuss any matters unrelated to the Purpose.
• In engaging in discussions on the Purpose:
• To limit their discussion to details of methodologies (e.g. formulae or equivalent), including the relative merits of different methodologies for capital adequacy best practice.
• Not to disclose or otherwise discuss actual input or output values used by them in respect of any methodologies.
• Not to engage in discussion of (or otherwise disclose) information that relates to participants’ commercial positioning or strategy (including, for the avoidance of doubt, the implications of particular methodologies for such positioning / strategy).
• to adhere strictly to the letter and spirit of competition and antitrust laws. In no circumstances should RiskBowl be used as a means to facilitate competing companies reaching any understanding that might restrict competition.

Intellectual property membership

• Each Participant hereby acknowledges that: (1) all regulatory methodologies, information and processes shared or discussed on RiskBowl will contribute to the broader industry knowledge held by other Participants and Oliver Wyman, and (2) such industry knowledge may be used by other Participants and Oliver Wyman within their wider respective businesses.

• This Agreement does not confer any right, license or title in, to or under any confidential or proprietary information of Oliver Wyman to the Participants and Oliver Wyman retains all rights in its intellectual capital, including, without limitation, its methodologies, ideas, know how, techniques, models, tools, skills, generic industry information, knowledge and experience, and any graphic representations of any of these, whether now possessed or hereafter acquired.

• Oliver Wyman reserves the right to grant or deny access to Riskbowl at anytime. Oliver Wyman shall be entitled to shut down or remove access to Riskbowl at any time.

Liability

• Neither Oliver Wyman, nor any participant makes any representation or warranty as to the accuracy or completeness of any data it provides on Riskbowl. All information is being shared “as is” without warranty of any kind, express or implied. Nether Oliver Wyman nor any participant will be liable (in contract, tort or otherwise) to any other person (including any other participant) for any action taken or omitted to be taken by it in connection with the use of RiskBowl or information shared via RiskBowl.

Anonymity

• Participation in the RiskBowl is intended to be anonymous so as to maximise the utility of discussions for the Purpose.

• It is therefore important that participants ensure that, in all their RiskBowl interactions, they do not (explicitly or otherwise) disclose their identity to other participants.

Confidentiality

• Consistent with the Purpose, and so as to maximise a free exchange of compliance best practice discussion, participants should not disclose proprietary confidential information into the RiskBowl.

• Oliver Wyman assumes no obligation of confidentiality in respect of participant disclosures in the RiskBowl.

Contacts

• If any participant becomes aware of or suspects that it, or any other participant in the RiskBowl, is engaging in discussions other than in accordance with these guidelines, they should inform [riskbowl@oliverwyman.com].

To accept the terms above, please fill in the requested information below and then click “Accept”. By clicking "Accept" below, you hereby: (i) acknowledge that you have read, understood, and agree to be bound by the terms and conditions outlined above, (ii) you are authorized to accept the terms for and on behalf of the organization on whose behalf you are accepting, and such acceptance gives rise to a contractual relationship between Oliver Wyman and that organization, and (iii) agree to Oliver Wyman storing and processing your data in accordance with our Privacy Notice.