Terms of Use
ING Bank N.V. ('ING') gains access to the eZonomics website with URL http://www.ezonomics.com The purpose of eZonomics is to stimulate discussion. Opinions posted on eZonomics are opinions of individuals and do not necessarily represent ING's view in anyway nor should be taken as (legal) advice. These postings are provided 'As Is' with no warranties and confer no rights.

Use of eZonomics' Content
The eZonomics Website contains information, images, video content, polls, statistics and other materials ("Content"), intended to help people to better understand and manage their financial world. We want to encourage you to use the Content on the eZonomics website in accordance with the following rules:

Content intellectual property right protected by ING
With respect to Content on the eZonomics website ING submit and it is expressly stated that ING Bank N.V. is the copyright owner, ING grants you the license to use, distribute, reproduce, modify, adapt, publicly perform and publicly display such Content by mentioning ING Bank N.V. as copyright owner.

Content intellectual property right protected by other parties than ING
Except as expressly permitted by applicable law or as authorized by the applicable third party copyright owner, you agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion or use of, the Content on the eZonomics website which is protected by copyright of another party than ING.

Request for Content
Economists, economic journalists and others: are you creating content that would interest and benefit our eZonomics website visitors, giving them good insights into their economic world? Please do not send any copy upfront, but contact us. We are interested in and happy to discuss your ideas. We will accredit you by name and/or organisation (where applicable) for any of your content that we publish. By submitting your content, you hereby grant ING a worldwide, non-exclusive, royalty free, sublicenseable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the submissions in connection with the eZonomics website.

Permission for use of a third party article
Content that appears on the eZonomics website can be negotiated through direct contact with the Content's copyright owner only, not through ING.

Indemnity
You agree to indemnify and hold ING Bank N.V. harmless from any claim or demand made by any third party due to or arising out of Content you submit, post, transmit, modify or otherwise make available through the eZonomics website, your access to or use of the eZonomics website, your connection to the eZonomics website, your violation of these Terms of Use, or your violation of any rights of another party. You understand and agree that the content on eZonomics website is provided "as – is". You agree that ING shall not be liable to you or any third party for any modification, suspension or discontinuance of the eZonomics website (or any part thereof) for any direct, indirect, incidental, consequential or special damages arising out of or in any way connected with your access to or use of the eZonomics website.

Hyperlinks
We may provide via the eZonomics website hyperlinks to other World Wide Web sites or resources. You acknowledge and agree that ING is not responsible for the availability of such external websites or resources, and ING does not endorse and is not responsible or liable for any Content, or other materials on or available from such sites or resources. Your further acknowledge and agree that ING shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alledged to be caused by or in connection with use of or reliance on any such Content available on or through any such site or resource.

Your acceptance of Terms of Use
By accessing and using the content of the eZonomics website, you accept and agree to be bound by these Terms of Use. These Terms may be updated by us from time to time without notice to you. You can review the most current version of the Terms of Use. ING cannot guarantee an error-free and uninterrupted service of the eZonomics website.