Treasury Today Country Profiles in association with Citi

Terms and conditions of use

By accessing, or using the Treasury Today or Treasury Today Asia mobile applications, or by otherwise accessing any content, software, products or services available through the sites ("the Content"), you are deemed to have entered into an agreement with Treasury Today Limited (“Treasury Today”) and to have agreed to be bound by the terms set out below.

Treasury Today reserves the right to update the terms and conditions from time to time, without notification. You can view the current version of the terms & conditions at any time at:

Violation of any of the terms below will result in the termination of your account.

Please read through these terms and conditions carefully.

Table of contents

Intellectual property protection

The term “Intellectual Property Rights” means, copyrights, database rights, trademarks, trade names, domain names, rights in logos, content, inventions, trade secrets and know-how, patents, all rights of whatever nature in computer software and data, all rights of privacy and all intangible rights and privileges of a nature similar to any of the above, in every case in any part of the world and whether or not registered; and including all granted or pending registrations, and all rights to make applications for registration in respect of any of the same.

All Intellectual Property Rights in the Content and design of the sites/mobile application and any material e-mailed to you or otherwise supplied to you in conjunction with our online products are the property of Treasury Today or with contributors to the website which have licenced their material to Treasury Today. You may not use or reproduce any Treasury Today Intellectual Property, including any trademarks, registered or unregistered, (such as the ‘TreasuryInsights’ or ‘TreasuryPlus +’ name and logo or other trade names appearing on the sites) for any reason without written permission from Treasury Today. The software, which operates the sites/mobile application, is proprietary software and you may not use it except as expressly allowed under these Terms. You may not copy, reverse engineer, modify or otherwise deal with the software.


All Content belongs to Treasury Today or its licensors who own all intellectual property rights (including copyright and database rights) in the Content and any selection or arrangement of the Content. No intellectual property rights in any Content are transferred to you. ‘’ and ‘’ are registered and you may not use them without written permission from Treasury Today. You may do the following:

  • View Content for your individual use on any device that is compatible with our web sites or mobile application (this might be your PC, laptop, smartphone, tablet or other mobile device) and store Content on that device for your individual use.

  • Print single copies of articles on paper (but not photocopy) for your individual use. Share links to articles by using the article tools we make available at the side of each article.

  • If you download content, all copyright and other notices must be kept intact.

Except as expressly set out above, you may not reproduce, modify or in any way commercially exploit any of the Content of the Sites. In particular, you may not do any of the following without prior written permission. No parts of any Treasury Today publication, websites or mobile application may be reproduced, stored in or introduced into any retrieval system, or transmitted, in any form or by any means.

Treasury Today reserves the right to monitor and record activity on the sites/mobile application, including permission of the copyright owners. You may not reverse engineer, modify, decompile, disassemble or translate the Content (whether for the purpose of error correction or otherwise). You may not display the Content on a public bulletin board, ftp site, website, chat room or by any other unauthorised means. Written materials provided in printed or electronic form may not be modified, adapted, translated, or used to create derivative works without the prior written consent of Treasury Today.

Any use of Treasury Today Publications or Content not specifically permitted above is expressly prohibited. Requests for permission for other uses may be made but may be subject to a fee.

Website and Mobile Application

Treasury Today does not warrant that (a) the website or mobile application will meet your specific requirements, (b) the website or mobile application will be uninterrupted, timely, secure, or error-free, (c) the results that may be obtained from the use of the service will be accurate or reliable, (d) the quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations, (e) any errors in the website or mobile application will be corrected and (f) your use of the website or mobile application is at your sole risk.

The information provided in the pages of the website or mobile application is not intended to provide any form of advice, including specific financial, tax, legal, accounting advice or recommendation or endorsement. Treasury Today Ltd is not authorised by the Financial services Authority to provide investment advice or carry on any other regulated investment activities. If you intend to act on any information supplied you should consult first with a suitably qualified professional adviser.

Treasury Today provides no endorsement or representation of any kind regarding third party products, services, content or appropriateness of content of such websites linked to Treasury Today, and explicitly disclaims any responsibility for the accuracy, content or third parties and their availability of the information, products, and/or services found on or through any such third party or any linked website.

Treasury Today reserves the right at any time and from time to time to make improvements and/or changes, modify or discontinue, temporarily or permanently, the website or mobile application (or any part thereof) with or without notice.

Treasury Today shall not be liable to you or to any third party for any modification, price change, suspension or discontinuance of the website or mobile application.

We have the right, but not the obligation, to monitor any activity and content associated with the website/mobile application and/or the services. We may investigate any reported violation of these conditions or complaints and take any action that we deem appropriate (which may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access and/or removing any materials on the website/mobile application and/or the services).

Treasury Today reserves the right, in its sole discretion, to terminate or suspend any password, access, and ability to use the website/mobile application at any time without notice if this is breached.

You may not use the website/mobile application for any illegal or unauthorised purpose. You must not, in the use of the website/mobile application, violate any laws in your jurisdiction (including but not limited to copyright laws).

No Warranty, Disclaimer of Liability & Indemnity

Whilst every effort has been made to ensure the high quality and accuracy of the sites/mobile application, Treasury Today makes no warranty, express or implied concerning the Content of the sites/mobile application, which is provided "as is".

Treasury Today expressly disclaims all warranties, including but not limited to warranties of fitness for a particular purpose and warranties of satisfactory quality. In no event will Treasury Today be liable for direct, special, incidental, or consequential damages (including, without limitation, damages for loss of business profits, business interruption, loss of business information or other pecuniary loss) arising directly or indirectly from the use of (or failure to use) or reliance on the Content, even if Treasury Today has been advised of the possibility that such damages may arise.

Treasury Today does not represent or warrant that:

  1. The functions contained in the website/mobile application or materials made available through the website/mobile application will be error-free or uninterrupted, that defects will be corrected, or that the website/mobile application or the server that makes the website/mobile application available are free from any harmful components including viruses or other contaminating or destructive properties.

  2. The information on the website/mobile application is accurate, complete, correct, adequate, useful, timely, reliable or otherwise.

The failure of Treasury Today to exercise or enforce any right or provision of the Terms & Conditions shall not constitute a waiver of such right or provision. The Terms & Conditions constitutes the entire agreement between you and Treasury Today and govern your use of the website, superseding any prior agreements between you and Treasury Today (including, but not limited to, any prior versions of the Terms & Conditions).

Please also read our Privacy and Cookie Policy, which explains how Treasury Today uses any information about you that it receives. The Privacy and Cookies Policy form part of the Terms. If there is any inconsistency between the Privacy and Cookies Policy and the Terms, the Terms will prevail.


On registration, you must provide Treasury Today with accurate, complete registration information and it is your responsibility to update and maintain changes to that information on the applicable registration or membership pages. Treasury Today is entitled to rely on any information you provide to us.

Each registration is for a single user only. On registration, you will choose a user name and password (“ID”). You are not allowed to share your ID or give access to Treasury Today Content through your ID to anyone else. Treasury Today does not allow multiple users on a network or within an organization to use the same ID. Treasury Today may cancel or suspend your access to our web sites if you share your ID without further obligation to you. You may not create additional registration or membership accounts for the benefit of others or with the aim of avoiding our use of IDs to control access to and use of Treasury Today web sites.

Registration on the Treasury Today or Treasury Today Asia mobile application will be limited to three devices per user name and password. If you wish to use the application on any subsequent devices you will need to contact Treasury Today at

You are responsible for all use of Treasury Today web sites /mobile application made by you or anyone else using your ID and for preventing unauthorised use of your ID. If you believe there has been any breach of security such as the disclosure, theft or unauthorised use of your ID or any payment information, you must notify Treasury Today immediately by e-mailing us at We recommend that you do not select an obvious user password (such as your name) and that you change it regularly. Treasury Today cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.

If you provide Treasury Today with an email address that will result in any messages Treasury Today may send you being sent to you via a network or device operated or owned by a third party (eg your employer or college) then you promise that you are entitled to receive those messages. You also agree that Treasury Today may stop sending messages to you without notifying you.

User generated content (UGC)

The UGC submitted by users over whom Treasury Today has no control we cannot therefore guarantee the accuracy, integrity or quality of any UGC. Some users may not behave properly and may post UGC that is misleading, untrue or offensive.

It is not possible for Treasury Today to fully monitor all UGC published on our web sites but where we have actually received notice of any UGC that is potentially misleading, untrue, offensive, unlawful, infringes third party rights or is potentially in breach of these terms and conditions, then we will review that UGC, and decide at our sole discretion, whether to remove it from our websites and act accordingly. You agree to use this website at your own risk.

You must not transmit to our web sites/mobile applications any worms or viruses or any code of a destructive nature.

Memberships, payment, upgrading and termination terms

Access to certain Treasury Today Content may be subject to a fee or membership.

Printed memberships are billed in advance on an annual basis.

If you wish to transfer the membership to a colleague please contact

You can cancel your account at any time by written request (email or by post) with 30 days’ notice:

If you cancel your account before the end of your printed membership, you lose access to hard copies of the publication immediately and no refunds will be made.

A Registered User may be offered a free trial while considering a membership. Trial periods will be notified to Registered Users at the outset of their trial. Serial trialling by a user or group of users under different email addresses is a breach of these Terms and will lead to immediate disconnection from the service.

All prices are exclusive of all taxes, levies or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies or duties.

Prices of all publications and memberships, including but not limited to annual membership, are subject to change without notice from us.

Treasury Today, in its sole discretion, has the right to suspend or terminate your account and refuse any and all current or future use of the website and mobile application for any reason at any time. Such termination of the service will result in the deactivation or deletion of your account or your access to your account, and the forfeiture and relinquishment of all content in your account. Treasury Today reserves the right to refuse service to anyone for any reason at any time.


Any questions about the Terms & Conditions of Use should be sent to

These terms and conditions shall be governed and interpreted in accordance with the laws of England and Wales. The English Courts shall have exclusive jurisdiction over any dispute arising out of your use of this website.

Treasury Today Limited is registered in England and Wales with company number 03670086 and England VAT registration GB 736 0898 06. Courtyard Offices, Harnet Street, Sandwich, Kent, CT13 9ES, UK (registered and trading address).

These Terms & Conditions were last updated on Thursday, 25 September 2014.