Terms of Service


Please read the entire TERMS AND CONDITIONS OF USE and LEGAL DISCLAIMER carefully before you use this website. If you do not agree to all of the terms and conditions herein, do not access this website or any of its pages. By using this website, and whether or not you actually read these terms and conditions and disclaimer, you are deemed to have accepted them in their entirety.

Our firm provides our clients with independent research on banking and financial services companies. Currently, Carraighill focuses on the European financial sector, but we may expand the scope of our research as the needs of our clients change. Our research is focused on a limited number of publicly traded securities at any given time; we do not intend to offer general investment research or advice. In the course of researching securities within the financial sector, we also generate valuable research on the broader financial and economic systems within which these securities operate. Carraighill bases its decision on what securities to research primarily by identifying where there is a need for additional research in the market, and so an opportunity for Carraighill to generate insight to help our clients. In this way, client needs can influence the research Carraighill provides, but our services are not otherwise tailored to client needs. Our research is delivered to clients via electronic communications. When Carraighill creates a new written investment research report on stocks and systems it covers, all clients will receive an email from Carraighill. These direct communications are supplemented by stock information packs, stock financial models, system information packs, and other supporting content, which are all accessible on the Carraighill website. No information published by Carraighill, either via email or the website, will be communicated to any client until it has been published electronically to our website for all clients. Clients may choose to receive a notification when the supporting content on the website is updated

Copyright and Restrictions on Use of Materials

This website is protected by applicable copyright law. It is a violation of U.S. federal and international copyright laws to reproduce all or any part of Carraighill’s publication by email, xerography, facsimile or any other means. The U.S. Copyright Act imposes liability of up to $150,000 per issue for such infringement. If you download or print any information from this website, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information. Whether or not such information bears any copyright or other legends, you may NOT reproduce, transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose any part of the Carraighill Capital Limited’s website without the express prior written permission of Carraighill Capital Limited. ANY FURTHER DISSEMINATION (WRITTEN, ELECTRONIC OR OTHERWISE) OF MATERIAL PRODUCED BY CARRAIGHILL WITHOUT SUCH WRITTEN CONSENT WILL BE PROSECUTED TO THE FULLEST EXTENT OF THE LAW.

Terms and Conditions of Use

Carraighill’s website is limited to the dissemination of general information regarding its research on country and global financials. Accordingly, the publication of Carraighill’s website and/or the publication of its research report on the Internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Carraighill’s research report is prepared as a general publication and provided to clients on a paid basis. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. Therefore, information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Carraighill. Any subsequent, direct communication by Carraighill with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration where the prospective client resides. Carraighill does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Carraighill’s website or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users there of should be guided accordingly.

Disclaimer of Warranty and Limitation of Liability

The information, tools, data, opinions and materials on this website are provided “as is” and are provided without any warranty of any kind, either express or implied. Carraighill does not warrant the accuracy of the information provided for any particular purpose and expressly disclaims any warranties of merchantability or fitness for a particular purpose. CARRAIGHILL CAPITAL LIMITED WILL NOT BE LIABLE FOR ANY DIRECT, SPECIAL INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS WEBSITE.

Modification of Terms and Conditions of Use

Carraighill reserves the right to change, modify, add or remove portions of the Terms and Conditions of Use at any time. Accordingly, it is suggested that you review these terms periodically for changes. Use of this website means that you have agreed to accept any such changes in terms.