Terms and Conditions

The Consultative Group to Assist the Poor, CGAP, hosted by the International Bank for Reconstruction and Development (”CGAP,” which may herein refer solely to the International Bank for Reconstruction and Development where such reference is required in order to be legally accurate) maintains this FinDev Gateway (the "Site") as a courtesy to those who may choose to access the Site ("User").

This site may contain advice, opinions, and statements of various information providers and content providers. FinDev Gateway does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information provider or content provider, or any user of this site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at User’s own risk. Neither FinDev Gateway nor its affiliates, nor any of their respective agents, employees, information providers or content providers shall be liable to any User or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, for any damages resulting therefrom.

Intellectual Property Rights

All content included on this website, such as text, design, graphics, logos, icons, images, audio clips, downloads, interfaces and code, and software, as well as the selection and arrangement thereof, are the exclusive property of the FinDev Gateway, its affiliates, its licensors or its content providers and are protected by copyright, trademark, and other applicable laws.

User may make non-commercial uses thereof, but 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 granted only as conditioned upon User providing proper attribution to CGAP and its content providers.

User may not use any trademark, official mark, official emblem, or logo of FinDev Gateway, or any of its other means of promotion or publicity, without FinDev’s prior written consent, nor in any event to represent or imply an association or affiliation with FinDev Gateway.

For any materials submitted or posted by User, User grants FinDev Gateway a royalty-free, irrevocable, transferrable, sublicensable, and non-exclusive perpetual license for use in any and all media whether now known or hereafter devised to use and exploit (including without limitation by reproduction, distribution, public display, adaptation, and/or public performance) any and all Materials that User posts.

If User believes that his or her rights, or the rights of a third party, including any intellectual property rights, are being violated in any way by any Materials on the Site, including if User has a good faith belief that his or her copyright is being infringed by any Materials on the Site and wants to provide FinDev Gateway with a notification thereof, User should contact us at:

phone: 202-473-8869
e-mail: info@FinDevGateway.org
Mailing Address:
FinDev Gateway, CGAP
The World Bank Group
1818 H Street, NW
Washington, DC 20433

We will work to prevent unlawful activity from taking place on or through the Site.

Content Submission Guidelines

User can submit content via web forms provided on the Site. User is responsible for any submitted content including the legality, reliability, appropriateness, originality and copyright of any such content. User may not upload to, distribute or otherwise publish through this Site any content that (i) is false, fraudulent, libelous, defamatory, obscene, threatening, dangerous, offensive, inflammatory, invasive of privacy or publicity rights, infringing on intellectual property rights, abusive, illegal or otherwise objectionable, (ii) may constitute or encourage a criminal offense, violate the rights of any party or otherwise give rise to liability or violate any law, or (iii) may contain software viruses, political campaigning, chain letters, mass mailings, or any form of “spam.” User may not use a false e-mail address or other identifying information, or impersonate any person or entity, or otherwise mislead as to the origin of any content.

User is discouraged from submitting any original creative content or ideas of which user wishes to maintain exclusive ownership. Any communications or content submitted by User to the Site will be treated as non-confidential and non-proprietary. FinDev Gateway is and will be under no obligation to maintain any submissions in confidence, pay any compensation or royalty for any submissions, respond to, monitor, or review any submissions, give any specific attribution for any submission, or make any services described or mentioned in a submission available in any location. User must only submit content to the Site created by the User or that the User has permission to submit. User’s submissions must not misuse the FinDev Gateway’s trademarks or the trademarks of others. FinDev Gateway is and will be under no obligation to publish submitted content and does so at its sole discretion.

The FinDev Gateway makes no warranties or representations that services described in any submission are currently available in any location and the FinDev Gateway does not claim to have any affiliation with, approve, or have any endorsement from the providers of non- FinDev Gateway services. Submissions are not endorsed by and do not necessarily reflect the views of the FinDev Gateway. The FinDev Gateway reserves the right to remove or edit any submissions, for any reason, at any time, without notice, but the FinDev Gateway is not responsible for any failure or delay in removing submissions.

Please review guidelines for submitting content to the FinDev Gateway.

Links to third-party web sites

This Site contains links to third-party web sites. The linked sites are not under the control of FinDev Gateway and FinDev Gateway is not responsible for the contents of any linked site or any link contained in a linked site. FinDev Gateway provides these links only as a convenience, and the inclusion of a link does not imply endorsement of the linked site by FinDev Gateway.

Conditions of Use

If this Site contains bulletin boards, chat rooms, access to mailing lists or other message or communication facilities (collectively, "Forums"), User agrees to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, User agrees that when using a Forum, User shall not do any of the following:

  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  • Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information.
  • Upload or attach files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
  • Upload or attach files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
  • Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded.
  • Falsify the origin or source of software or other material contained in a file that is uploaded.
  • Advertise or offer to sell any goods or services, or conduct or forward surveys, contests, or chain letters. Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.

User acknowledges that all Forums or Discussion Groups are public and not private communications. Further, User acknowledges that chats, postings, conferences, e-mails and other communications by other users are not endorsed by FinDev Gateway, and such communications shall not be considered reviewed, screened, or approved by FinDev Gateway. FinDev Gateway is not obligated to, but reserves the right for any reason to remove without notice any contents of the Forums received from Users, including without limitation e-mail and bulletin board postings.


FinDev Gateway reserves its exclusive right in its sole discretion to alter, limit or discontinue the site or any Materials in any respect. FinDev Gateway shall have no obligation to take the needs of any user into consideration in connection therewith. FinDev Gateway reserves the right to deny in its sole discretion any user access to this Site or any portion thereof without notice.

MATERIALS PROVIDED ON THIS SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. FinDev Gateway specifically does not make any warranties or representations as to the accuracy or completeness of any such Materials. FinDev Gateway periodically adds, changes, improves, or updates the Materials on this Site without notice. Under no circumstances shall FinDev Gateway be liable for any loss, damage, liability or expense incurred or suffered which is claimed to resulted from use of this Site, including without limitation, any fault, error, omission, interruption or delay with respect thereto. Use of this Site is at User's sole risk. Under no circumstances, including, but not limited to, negligence, shall FinDev Gateway be liable for any direct, indirect, incidental, special or consequential damages, even if FinDev Gateway has been advised of the possibility of such damages.

User specifically acknowledges and agrees that FinDev Gateway is not liable for any conduct of any User.

As a condition of use of this Site, User agrees to indemnify FinDev Gateway and its affiliates from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable attorneys' fees) arising out User's use of this Site, including without limitation any claims alleging facts that if true would constitute a breach by User of these terms and conditions. If User is dissatisfied with any material on this Site or with any of terms and conditions of use of this Site, User's sole and exclusive remedy is to discontinue using this Site.

No waiver by FinDev Gateway of any provision of this Agreement shall be binding except as set forth in a writing signed by its duly authorized representative.

Nothing in this Site or any Materials shall be construed, implicitly or explicitly, as containing any investment recommendations. FinDev Gateway is not registered under the U.S. Investment Advisers Act of 1940. Accordingly, nothing in such Site, or in such Materials, constitutes an offer of or an invitation by or on behalf of FinDev Gateway to purchase or sell any shares or securities nor should it be considered as investment advice.

Dispute Resolution

This Agreement will be interpreted and enforced in accordance with the laws of the District of Columbia, United States of America. Any dispute or difference involving FinDev Gateway arising out of, or in connection with, the Site or the use of the Site which cannot be amicably settled between the parties to such dispute shall be arbitrated in accordance with the Commercial Arbitration Rules of the American Arbitration Association then in effect by one arbitrator appointed in accordance with those rules. The arbitration shall take place in the District of Columbia. Any resulting arbitration decision shall be final and binding on both parties. Judgment upon any arbitration award in favor of FinDev Gateway may be entered in any court having jurisdiction thereof.

Preservation of Immunities

Nothing herein shall constitute or be considered to be a limitation upon or a waiver of the privileges and immunities of FinDev Gateway or of the International Bank for Reconstruction and Development, which are specifically reserved.