Privacy Policy

The Bottom Line, is committed to protecting your data privacy and consistent with EU-GDPR we have now updated our Privacy Policy. We encourage you to read through the entire Privacy Policy to ensure that you understand the impact of the changes that came into effect on May 25th 2018. In this commitment to being transparent, we have highlighted some of updated information below.
•       The type of personal data we collect
•       Our safe data management practices
•       Easy access to be removed from ‘’ email communications

We hope that you continue to enjoy the focused industry insights that we have been delivering on our Blogs.

We endeavor to provide you with the quality market led segment content.

Privacy Information
Effective Date: 25 May 2018

The Bottom Line of “TBL” is a banking consultancy & forensic accounting practice. We know privacy is important to you; it is also vital to our business.

Our Privacy Policy describes the types of “Personal Information” (information that is identifiable to a particular person) that TBL collects (directly or through service providers), and how that Personal Information is used, shared and protected. By using this Site, you are agreeing to accept and comply Bottomline’s Privacy Policy as set forth below.

Types of “Personal Information” we collect. In addition to the types of information described above, we may also collect Personal Information about you when you directly submit it to us.

Bottomline may provide you the opportunity to do such things as to request product or service information through an email or phone request.

Such information may include your name, your company’s name, your personal or company email address or other contact information. It is up to you whether to provide this information. Such information will be used and disclosed as reasonably necessary to meet your needs and respond to your requests, such as disclosing it to our email service provider to send you emails or to one of our affiliated entities of colleagues. Parties with whom we share Personal Information are bound to contracts requiring them to use and disclose the information only for the permitted purposes and to use reasonable security measures to protect Personal Information from unauthorized access and use.

TBL may also use and disclose Personal Information to comply with U.S. and/or International laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of Site users or the public, to prevent and defend claims, to resolve disputes, to troubleshoot problems, to enforce the Terms, and to protect our rights and property.

If you engage TBL services offered through the Site, TBL may collect additional Personal Information and use it for additional purposes reasonably related to that professional service; you will be given a supplemental privacy disclosure as part of the on-boarding Engagement .

Cookies & Related Issues. When you visit the Site, we may receive certain standard information that your browser sends to every website you visit, such as the originating IP address, browser type and language, access times and referring website addresses ( e.g. Statcounter), and other such information. This data may be used, among other reasons, to improve the operation and security of the Site by assisting in “authenticating” who you are when you access this Site. We may receive additional technical data about the device used to access the Site (“Device Data”) (such as device ID, device model, operating system version, application types and versions, browser type, language, and plug-ins, originating IP address, and time zone and geolocation information). Device Data may be used as part of our security controls to uniquely identify the device and authenticate the user when accessing the Site. Device Data may be shared (along with information about any fraudulent transactions using the device) with one or more third-party service providers. These providers will compare and add the Device Data and fraud data to a database of similar device and fraud information in order to identify and block access to the Site by devices associated with fraudulent or abusive activity.

We may receive additional information about your visit to the Site, including the pages you view, the links you click and other actions you take in connection with the Site and any products and services offered through it.

Like most websites, the Site may also use “cookies,” which are small data files placed on your computer or other device by the Web server when you visit the Site.

Most such cookies are “session” cookies that are only used while you are on the Site, but a few are “persistent” cookies that stay on your hard drive and are read by the Web server when you return to the Site.

The Site uses cookies to recognize your device and to store your preferences and other information on your device. This saves you time by eliminating the need to repeatedly enter the same information and will display your personalized content on your later visits to the Site.

Such Cookies cannot and will not be used to deliver or run programs on your device. Most Web browsers automatically accept cookies, but you can modify your browser setting to decline cookies.

Personal Data captured, processed & stored on our computerized systems are protected by constantly updated & paid for protection from Kaspersky Information Systems.

Links & Frames. Links to other sites may be provided on the TBL Site for your convenience. By providing these links, TBL is not endorsing, sponsoring or recommending such sites or the materials disseminated by or services provided by them, and are not responsible for the materials, services or other situations at or related to or from any other site, and make no representations concerning the content of sites listed in any part of this Site.

Consequently, TBL cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites listed in any search results or otherwise linked to this Site. For example, if you “click” on a banner advertisement or a search result, your “click” may take you off this Site. This may include links from advertisers, sponsors, and content partners that may use TBL’s logo(s) as part of a co-branding agreement. These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive. In addition, advertisers may send cookies to users that TBL does not control. TBL reserves the right to disable links from any third-party sites to this Site.

Amendments. TBL may amend this Policy at any time by posting a revised version on this Site, which will be effective at the time it is posted for all Personal Data collected thereafter unless a delayed effective date is expressly stated in the revision. By using this Site after such additions or modifications are posted, you are agreeing to accept and comply with the Policy as modified.

TBL is committed to upholding the highest ethical standards in its business practices and strives to collect, use and disclose personal information in a manner consistent with the laws of the countries in which it does business.

This Safe Harbor Privacy Policy sets forth the privacy principles that TBL, its successors, subsidiaries, divisions and groups in the United States follows with respect to personal consumer information transferred from the European Economic Area (EEA) (which includes the twenty-eight member states of the European Union (EU) plus Iceland, Liechtenstein and Norway) and from Switzerland to the United States.

This Safe Harbor Customer Privacy Policy supplements the TBL‘s Privacy Statement. Unless specifically defined in this policy, the terms in this Safe Harbor Customer Privacy Policy have the same meaning as in TBL’s Privacy Statement. TBL, protects all Personal Information that we receive from the EEA, however, this Safe Harbor Customer Privacy Policy applies only to Personal Data received from the EEA that is not otherwise covered by an alternative mechanism such as the Standard Contractual Clauses.

Safe Harbor. The United States Department of Commerce and the European Commission have agreed on a set of data protection principles (the “U.S.-EU Safe Harbor Principles”) and frequently asked questions (collectively the “U.S.-EU Safe Harbor Framework”) to enable U.S. companies to satisfy the requirement under European Union law that adequate protection be given to personal information transferred from the EU to the United States. The EEA also has recognized the U.S. Safe Harbor as providing adequate data protection. The United States Department of Commerce and the Federal Data Protection and Information Commissioner of Switzerland have agreed on a similar set of data protection principles (the “U.S.-Swiss Safe Harbor Principles”) and frequently asked questions (collectively the “U.S.-Swiss Safe Harbor Framework) to enable U.S. companies to satisfy the requirement under Swiss law that adequate protection be given to personal information transferred from Switzerland to the United States. Consistent with its commitment to protect personal privacy, TBL adheres to the U.S.-EU and U.S.-Swiss Safe Harbor Principles (hereinafter “Safe Harbor Principles”).

Scope. This Safe Harbor Privacy Policy (the “Policy”) applies to all personal information received from consumers by TBL in the United States from the European Economic Area and from Switzerland, in any format including electronic, paper or verbal.

In order to provide its specialist services, TBL may receive information about the customers of these EEA Clients including but not limited to personal information that reveals race, ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, or that concerns health or sex life or name, office and personal telephone numbers, company and home address, account numbers and transaction details, website login credentials, and email address (collectively, Personal Information).

Use of Personal Information. TBL uses Personal Information to perform its obligations under its EEA Client agreements.

If TBL intend to use your information for a purpose that is incompatible with these purposes or if we intend to disclose it to a type of third party not previously identified, we will notify you and offer you the opportunity to opt out of such uses and/or disclosures. TBL will obtain assurances from its agents that they will safeguard personal information consistently with this Policy. Examples of appropriate assurances that may be provided by agents include: a contract obligating the agent to provide at least the same level of protection as is required by the relevant Safe Harbor Principles, being subject to EU Directive 95/46/EC (the EU Data Protection Directive), Safe Harbor certification by the agent, or being subject to another European Commission adequacy finding (e.g., companies located in Canada). Where TBL has knowledge that an agent is using or disclosing personal information in a manner contrary to this Policy, TBL will take reasonable steps to prevent or stop the use or disclosure.

Supplemental Privacy Policies. Some areas, features and services on the Site may be offered on the condition that you view and agree to privacy terms and disclosures specific to those areas, features and services. Those specific privacy terms and disclosures will be deemed to supplement the terms and disclosures in this Privacy Policy and, if inconsistent, to supersede them.

Third-Party Content. TBL receives some of the Materials on this Site from third parties, including other users. All statements, opinions, advice, criticisms, offers or other information stated or expressed by any such third parties reflect solely the opinion and belief of the respective third party making such statement, and not that of TBL or any of its affiliates. TBL makes no endorsement, guarantee or other statement, express or implied, about such third-party Materials, including that any such third-party Materials are accurate, complete, timely, corroborated or otherwise useful or appropriate for any use or circumstance.

You must independently evaluate any such third-party Materials yourself if you intend to rely in any way on the information contained in or provided in connection with such third-party Materials, and you alone must engage any appropriate professionals necessary or prudent in making that evaluation (which TBL recommends you do).

Third-Party Site Links. TBL Site pages may provide links to other sites operated by third parties over whom TBL has no control and whose privacy policies may differ from ours. These links are provided for your convenience. If you browse on or submit Personal Information to any of those sites, information about you may be collected by them and will be separately governed by their respective privacy policies.

Eligibility. This Site is not offered to any person under the age of 13. If you are over the age of 13 but under the age of 18, you must either: (i) be an emancipated minor, or (ii) have obtained the legal consent of your parent or legal guardian to use this Site and enter into these Terms. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit personal information without your permission.

Copyright Notice. Materials may be made available to you via this Site that comes from third parties not within TBL’s control such as, but not limited to a message board. In connection with the Digital Millennium Copyright Act (DMCA), while TBL fully respects the copyright interest of all of TBL’s users and all such third parties,
TBL has no obligation to, and does not, scan Materials or any content uploaded, provided, posted or otherwise used in connection with this Site for the inclusion of illegal, infringing, improper, unauthorized or impermissible content. However, as a matter of policy, TBL does not allow Materials it knows are infringing another person or entity’s copyright to remain on this Site.

Contacting Us. If you have questions about this Privacy Policy, please contact us at

Data Protection Statement
In accordance with our responsibilities under the Regulation 2016/679 of the European Parliament and of the Council of 27 April 2016 you should be aware that the personal data you choose to provide will not be passed to any person or organisation outside of TBL. It will be taken that, in providing the information you agree to the use of your personal details to that extent.