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FINSUM is the market leader in financial news summaries. We save investors time and money by getting them the info they need quickly and efficiently, delivering concise summaries and hard-hitting analysis of the day's top market-moving news. FINSUM is written by an experienced team with a background in bond trading and equity research at top investment banks. We hope you join our thousands of other satisfied readers and find FINSUM useful and interesting. Welcome to FINSUM.

For any questions, comments, or help, please email us at This email address is being protected from spambots. You need JavaScript enabled to view it.


Key Staff

Duncan MacDonald-Korth
Editor-in-Chief 
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About the Editor

DuncanEditor

Duncan MacDonald-Korth is the Editor-in-Chief of FINSUM. He writes articles and personally crafts all editorial comments in FINSUM. Duncan formerly worked in investment banking at both Bank of America Merrill Lynch and Morgan Stanley, including in equity research. He has also worked as a research academic at the University of Oxford in England, where he published numerous scholarly articles on global markets, economics, and financial centers. Duncan has also been an investor and partner in several startups, particularly in the fintech, biotechnology and retail sectors. Duncan is a PhD candidate at the University of Oxford.

Duncan's work has been featured in numerous global newspapers, including the Financial TimesWall Street Journal, Bloomberg, and Forbes.

Duncan originally hails from Miami, FL and has a B.A. from the University of Oregon and an M.Phil with Distinction from the University of Oxford.

Mr. MacDonald-Korth’s publications:

•    Wójcik, D. and MacDonald-Korth, D. "The British and the German financial sectors in the wake of the crisis: size, structure and spatial concentration". Journal of Economic Geography (2015). Paper here.
•    Wojcik, D. and MacDonald‐Korth, D. "The Geography of Foreign Exchange Trading: Currencies and International Financial Centres". Journal of Economic Geography  (2015- in press, revision submitted) Paper here
•    MacDonald‐Korth, D. and Wojcik, D. “Command Centres of the Asset Management Industry”. Environment and Planning C (2016-in press, to be submitted)
•    MacDonald-Korth, D., Wojcik, D., & Tubbs, M. “Re-centralization: How the marriage of Finance and Technology are Changing US Employment.” Journal of Economic Geography (2016, to be submitted)

 

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Web Site Terms and Conditions of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License

a. Permission is granted to temporarily download one copy of the materials (information or software) on FINSUM's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • i. Modify or copy the materials.
  • ii. Use the materials for any commercial purpose, or for any public display (commercial or non-commercial).
  • iii. Attempt to decompile or reverse engineer any software contained on FINSUM's web site.
  • iv. Remove any copyright or other proprietary notations from the materials or
  • v. Transfer the materials to another person or "mirror" the materials on any other server.

3. Disclaimer

a. The materials on FINSUM's web site are provided "as is". FINSUM makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, FINSUM does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall FINSUM or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on FINSUM's Internet site, even if FINSUM or a FINSUM authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on FINSUM's web site could include technical, typographical, or photographic errors. FINSUM does not warrant that any of the materials on its web site are accurate, complete, or current. FINSUM may make changes to the materials contained on its web site at any time without notice. FINSUM does not, however, make any commitment to update the materials.

6. Links

FINSUM has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by FINSUM of the site. Use of any such linked web site is at the user's own risk.

7. Site Terms of Use Modifications

FINSUM may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to FINSUM's web site shall be governed by the laws of the State of Florida without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site.

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Privacy Policy

What information do we collect? We collect information from you when you register on our site or subscribe to our newsletter.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address, phone number, and credit card information. You may, however, visit our site anonymously.

Google, as a third party vendor, uses cookies to serve ads on your site. Google's use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy..

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

1 To personalize your experience

(your information helps us to better respond to your individual needs)

2 To improve our website

(we continually strive to improve our website offerings based on the information and feedback we receive from you)

3 To process transactions

Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.

4 To send periodic emails

The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.

Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 60 days.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information. Some information, including but not limited to IP addresses, operating systems, browsers, and browsing patterns, is either tracked or collected using “cookies” (which are small data files that a website places on your hard drive for record-keeping purposes) or “web beacons” (which are transparent pixel images that are used in collecting information about website usage). 

We use cookies to understand and save your preferences for future visits and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.

Personal Information

Personal data received or transferred to our website is subject to the regulatory enforcement powers of the U.S. Federal Trade Commission. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the website, respond to a survey, fill out a form, and in connection with other activities, events, services, features or resources we make available on our website. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our website anonymously.

Sharing Data

We sell personal identification information to our sponsors. We may also share aggregated information regarding visitors and users with our business partners, trusted affiliates and advertisers. We may use third party service providers to help us operate our business and the website or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those purposes provided that you have given us your permission.

We may share your personal information with third parties to assist in providing products and services to you. These include but are not limited to website providers, Google Analytics, other website analytics providers, Marketo, email tracking service providers, cloud storage and cloud communication service providers and providers of other cloud software.

We may share your personal information with third parties in the event of a sale, merger, acquisition, partnership, joint venture, or negotiations related to the same with respect to all or part of our business.

In some circumstances, we may be legally required to disclose your personal information.

Duration

We will retain your personal information for as long as is necessary and as permitted by applicable laws. 

Updating Your Data

We will always give you the opportunity to opt out of future marketing communications.

Information on how to opt out will be given when your personal information is collected and specified on every marketing or news alert email sent. If at any stage you would like to update or correct such personal information, or opt-out of future marketing communications, email us.

Your Rights

We always will enable you to exercise your rights as provided by data protection laws.

Depending on the laws of the country where you live, you may have other rights in respect of your personal information. If you wish to exercise any legal right in respect of your personal information, please contact us.

In some cases, we may be entitled to decline a request you have made regarding your personal information, in accordance with application laws. We will explain if that is the case. Otherwise, we will meet your request as promptly as we reasonably can. If you have requested that we stop sending you marketing messages, please note that you may still receive them for a short period while the request is processed.

Changes to These Policies

We have discretion to update this privacy policy at any time. If we make any change in how we use your personal information, we will notify you by email or by means of a notice on this website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Choice

We collect information for our clients, if you are a customer of one of our Clients and would no longer like to be contacted by one of our Clients that use our service, please contact the client that you interact with directly. If you do not want to be tracked, do not visit our website. If you don’t want to receive emails from us, then opt-out of our emails or email: This email address is being protected from spambots. You need JavaScript enabled to view it.with the subject line: REMOVE. If you want to change your preferences, email us at This email address is being protected from spambots. You need JavaScript enabled to view it.

California Online Privacy Protection Act Compliance

Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

As part of the California Online Privacy Protection Act, all users of our site may make any changes to their information at anytime by logging into their control panel and going to the 'Edit Profile' page.

Childrens Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Terms and Conditions

Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at https://finsum.com/index.php/what-we-do/terms-of-service2

Your Consent

By using our site, you consent to our web site privacy policy

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below. This policy was last modified on 01/20/2022

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

www.finsum.com
2937 SW 27th Ave, Ste 307
Miami, FL 33133
United States
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3055090045

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