For the purpose of this document:
“The European AI Finance Network” refers to the private network for AI operators integrating AI agents into European regulated finance.
“we”, “us” or “our” refers to bus consulting, registered at KvK Rotterdam, the Netherlands.
“Website” refers to www.europeaifinance.com and any related landing page, form or digital channel operated by us.
“You” refers to any visitor, applicant, member, contributor or user of the Website or The European AI Finance Network’s digital materials.
If you have any questions about these terms or our privacy practices, you may contact us at:
Email: secretariat@www.europeaifinance.com

1. Terms of Use
1.1 Purpose of the Website
The Website provides information about The European AI Finance Network, its membership model, private sessions, research briefings, peer groups, events, publications and related activities convened by bus consulting.
The Website is under construction from May 2026 to September 2026. Liabilities are limited. 
The Website may allow visitors to request an introduction; apply for membership; register interest in The European AI Finance Network; subscribe to updates or briefings; contact bus consulting; access selected materials; read articles, briefings or public-facing content; and learn more about bus consulting’s work in AI, governance, orchestration and regulated industries.
The Website is provided for general information and relationship-building purposes. It does not constitute legal, regulatory, financial, investment, technical, compliance, risk-management or professional advice.
1.2 Acceptance of these Terms
By accessing or using the Website, you agree to these Terms of Use, together with the Disclaimer and Privacy Policy set out below.
If you do not agree with these terms, you should not use the Website.
We may update these terms from time to time. The version published on the Website at the time of your visit will apply to your use of the Website.
1.3 Eligibility
The European AI Finance Network is intended for professional audiences, including AI operators, directors, implementation leaders and senior professionals working in or with European regulated finance.
The Website is not directed at children or minors. We do not knowingly collect personal data from children.
1.4 Membership and Applications
Submitting an application, request for introduction or expression of interest does not guarantee membership in The European AI Finance Network.
Membership is curated and may be subject to criteria including professional role; seniority and relevance of responsibilities; active involvement in AI implementation, governance, adoption or transformation; institutional context; non-competing peer group requirements; confidentiality expectations; and availability and willingness to contribute.
bus consulting reserves the right to accept, decline, pause or withdraw membership discussions at its discretion.
1.5 Confidentiality of The European AI Finance Network
The European AI Finance Network is designed as a confidential network.
Unless expressly stated otherwise in writing, Sessions are not recorded; private discussions are not public; member identities may not be disclosed without consent; materials shared in closed settings may not be copied, circulated, quoted or attributed externally; and members and participants are expected to respect the Chatham House Rule or any specific confidentiality rules communicated for a given session, group or event.
The Chatham House Rule generally means that participants may use the information received, but neither the identity nor the affiliation of the speaker, nor that of any other participant, may be revealed.
Confidentiality obligations may be supplemented by separate membership terms, event terms, non-disclosure arrangements or codes of conduct.
1.6 Acceptable Use
You agree not to use the Website or any related digital channel in a way that is unlawful, fraudulent, misleading or harmful; infringes intellectual property, privacy, confidentiality or other rights; attempts to gain unauthorised access to our systems, accounts, data or infrastructure; introduces malware, viruses, scraping tools or harmful code; misrepresents your identity, role, institution or authority; uses the Website for unsolicited marketing, spam or vendor prospecting; copies, extracts or republishes content without permission; or damages the reputation, integrity or trust of The European AI Finance Network, bus consulting or its members.
We reserve the right to restrict access, remove content, decline communications or take appropriate action where we believe these terms have been breached.
1.7 Intellectual Property
All content on the Website, including text, design, logos, graphics, concepts, methods, frameworks, images, briefings, documents, names and visual identity, is owned by or licensed to bus consulting unless otherwise stated.
This includes, without limitation, The European AI Finance Network name and positioning; The European AI Finance Network concept; bus consulting branding; session formats; research and briefing formats; frameworks, methodologies and operating models; and written content, reports and member-facing materials.
You may view and use Website content for your own internal, professional and informational purposes.
You may not reproduce, adapt, publish, distribute, sell, sublicense, scrape, train AI systems on, or commercially exploit Website content without prior written permission from bus consulting.
1.8 Third-Party Links and Services
The Website may include links to third-party websites, platforms, forms, embedded content, analytics tools, event tools, email tools or other services.
These third parties may include Wix; Google services; email marketing providers; calendar or booking tools; video conferencing platforms; payment providers; social media platforms; and analytics and cookie tools.
We are not responsible for the content, policies, security or practices of third-party websites or services. Your use of third-party services may be subject to their own terms and privacy policies.
1.9 Availability and Changes to the Website
We aim to keep the Website available and accurate, but we do not guarantee that it will always be available, uninterrupted, secure, error-free or up to date.
We may update, suspend, restrict or remove parts of the Website at any time without notice.
1.10 No Warranty
The Website and its content are provided on an “as is” and “as available” basis.
To the fullest extent permitted by applicable law, we make no warranties, representations or guarantees, whether express or implied, regarding the accuracy, completeness or timeliness of the Website; the suitability of the Website for any particular purpose; the availability or security of the Website; the absence of errors, viruses or harmful components; or any outcome resulting from use of the Website or participation in The European AI Finance Network.
1.11 Limitation of Liability
To the fullest extent permitted by applicable law, bus consulting shall not be liable for any indirect, incidental, consequential, special or punitive loss or damage arising from or relating to your use of the Website, reliance on its content, participation in The European AI Finance Network, or interaction with third-party services.
This includes, without limitation, loss of profits, loss of business opportunity, loss of data, reputational damage, regulatory consequences, business interruption or reliance on information discussed in The European AI Finance Network.
Nothing in these terms excludes or limits liability where such exclusion or limitation would be unlawful.
1.12 Governing Law and Jurisdiction
These terms are governed by the laws of the Netherlands.
The courts of Rotterdam, the Netherlands shall have jurisdiction, unless mandatory law provides otherwise.
2. Disclaimer
2.1 General Information Only
The content published on the Website, in The Dispatch, in public materials or in any other general bus consulting or The European AI Finance Network communication is provided for general informational, educational and professional discussion purposes only.
It does not constitute legal advice; regulatory advice; financial advice; investment advice; tax advice; risk-management advice; technical assurance; cybersecurity advice; compliance certification; audit advice; supervisory guidance; or professional advice tailored to your institution.
You should not rely on Website content or general network materials as a substitute for obtaining advice from qualified legal, regulatory, technical, risk, compliance, financial or other professional advisers.
2.2 No Legal or Regulatory Opinion
The European AI Finance Network discusses emerging practices relating to AI agents, governance, operating models, regulated finance, risk, compliance, transformation and organisational implementation.
Any discussion of legal or regulatory developments is general in nature and should not be treated as a legal opinion or regulatory interpretation for your institution.
Members and visitors remain responsible for obtaining their own legal, regulatory, technical and professional advice before making decisions.
2.3 No Guarantee of Accuracy or Completeness
Although we aim to provide thoughtful and high-quality information, we do not guarantee that any content is complete, accurate, current or suitable for your particular circumstances.
AI, financial services regulation, supervisory expectations and technology practices evolve quickly. Information may become outdated or may not apply to a specific jurisdiction, institution, product, use case or regulatory context.
2.4 No Professional Relationship Created
Your use of the Website, submission of a form, participation in an introductory conversation, receipt of general materials or attendance at an event does not create a lawyer-client relationship, consultant-client relationship, fiduciary relationship or advisory relationship with bus consulting unless expressly agreed in a separate written agreement.
2.5 Member Contributions and Peer Exchange
The European AI Finance Network may include contributions, comments, examples or perspectives from members, invited experts, interviewees or third parties.
Such contributions reflect the views or experiences of the relevant contributor. They do not necessarily represent the views of bus consulting, The European AI Finance Network, any member institution or any regulator.
bus consulting does not endorse or verify all member statements, peer contributions or third-party perspectives.
2.6 No Vendor Endorsement
References to tools, vendors, technologies, models, platforms or service providers are for discussion or informational purposes only.
Unless expressly stated in writing, bus consulting does not endorse, certify, recommend or guarantee any specific vendor, product, platform or technology.
2.7 AI-Related Disclaimer
The European AI Finance Network concerns AI agents and related organisational, governance and implementation issues.
AI systems may create legal, ethical, operational, security, data protection, model risk, conduct, consumer protection and governance risks.
Nothing on the Website or in general network materials should be interpreted as confirming that a particular AI system, use case, deployment model, control framework or governance approach is lawful, safe, compliant, explainable, fair, secure or suitable for production.
Each institution remains responsible for its own AI governance, risk assessment, compliance, testing, monitoring, deployment decisions and human oversight.
2.8 Forward-Looking Statements
Some content may include views, scenarios or expectations about future regulatory, technological, market or organisational developments.
These are inherently uncertain and should not be relied on as predictions, guarantees or commitments.
2.9 External Links
The Website may link to external websites or resources. We are not responsible for their availability, content, security, accuracy or privacy practices.
3. Privacy and Cookie Policy
3.1 Introduction
This Privacy and Cookie Policy explains how bus consulting processes personal data in connection with The European AI Finance Network, the Website and related communications.
We take privacy, confidentiality and data protection seriously, particularly because The European AI Finance Network is designed for professionals working in regulated and sensitive environments.
This Policy explains what personal data we collect; why we collect it; how we use it; the legal bases we rely on; who we share it with; how long we keep it; your rights under data protection law; and how we use cookies and similar technologies.
This Policy is intended to comply with the EU General Data Protection Regulation, also known as the GDPR, and other applicable European data protection rules.
3.2 Data Controller
For the purposes of the GDPR, the data controller is:
BUS Consulting
Email: secretariat@europeaifinance.com
As controller, we decide why and how personal data is processed in connection with the Website and The European AI Finance Network.
In some cases, third-party service providers such as Wix, Google or other digital tools may process personal data on our behalf as processors. In other cases, they may act as independent controllers depending on the service, configuration and their own terms.
3.3 Personal Data We May Collect
We may collect and process the following categories of personal data.
Identity and contact data
Name; job title; organisation; professional email address; telephone number; LinkedIn profile or professional profile; country or city; professional biography or profile information.
Membership and application data
Information submitted through application forms; reasons for interest in The European AI Finance Network; professional responsibilities; areas of AI, governance, risk, compliance, transformation or implementation work; sector, institution type or role category; notes from introductory calls; membership status; participation history; and peer group matching information.
Communication data
Emails and messages you send us; responses to invitations; meeting notes; preferences regarding communications; feedback, questions or requests.
Publication and profile data
Interview responses; professional opinions or quotes approved by you; photographs, video or audio recordings where you have consented; short biography; social media or publication preferences.
Event and participation data
Registration details; attendance information; dietary or access needs, where relevant and voluntarily provided; session participation notes; contribution preferences; peer group allocation.
Technical and usage data
IP address; device information; browser type; operating system; pages visited; time spent on the Website; referral source; cookie identifiers; analytics data; approximate location derived from technical data.
Marketing and preference data
Newsletter subscription status; communication preferences; event interests; topic preferences; engagement with emails or content.
3.4 Special Category Data
We do not intentionally collect special category personal data through the Website, such as health data, political opinions, religious beliefs, trade union membership, biometric data or data concerning sexual orientation.
Please do not submit special category data through our forms or general communication channels unless we specifically request it and explain why it is needed.
If you voluntarily provide such information, we will process it only where permitted by law and where necessary for the relevant purpose.
3.5 How We Collect Personal Data
We may collect personal data when you visit the Website; complete a contact, application or registration form; request an introduction; subscribe to updates; email or message us; participate in a call, Session, Table or Gathering; contribute to The Dispatch or a member profile; interact with our LinkedIn or other public channels; through cookies and similar technologies; through service providers such as Wix, Google or email platforms; and from publicly available professional sources, such as LinkedIn, company websites or public biographies, where relevant to membership curation.
3.6 Purposes of Processing
We may process personal data for the following purposes.
To operate the Website
Providing the Website; ensuring security; managing hosting, forms and technical infrastructure; monitoring performance; preventing misuse.
To respond to enquiries
Responding to requests for information; arranging introductory calls; managing correspondence; following up on applications or interest.
To curate and manage membership
Assessing suitability for The European AI Finance Network; managing applications; curating the founding circle; matching members into peer groups; managing participation in Sessions, Tables and the Gathering; maintaining membership records; protecting confidentiality and quality of the network.
To provide member services
Sending The Dispatch; organising Sessions; organising Tables; managing private channels; preparing event materials; facilitating introductions; sharing approved member profiles or publications.
To communicate with you
Sending updates; sending invitations; sending administrative messages; notifying you of changes; managing preferences.
To develop content and research
Preparing anonymised insights; identifying common implementation themes; producing briefings, articles, interviews and reports; developing bus consulting frameworks and methodologies; understanding what members and prospective members need.
Where we use member insights in public or semi-public materials, we aim to anonymise them unless we have explicit permission to identify the person or organisation.
To improve The European AI Finance Network 
Understanding engagement; improving content; improving membership design; improving website usability; developing new services or formats.
To comply with legal obligations
Keeping necessary records; responding to lawful requests; meeting tax, accounting or regulatory obligations; protecting legal rights.
3.7 Legal Bases for Processing
Under the GDPR, we rely on one or more of the following legal bases.
Consent
We may rely on consent where you subscribe to a newsletter; agree to receive certain marketing communications; accept optional cookies; agree to be photographed, recorded or profiled; or agree to contribute a public quote, article or interview.
You may withdraw consent at any time.
Contract or pre-contractual steps
We may process personal data where necessary to respond to a membership enquiry; consider your application; prepare or perform a membership arrangement; provide member services; or manage participation in Sessions, Tables or events.
Legitimate interests
We may process personal data where necessary for our legitimate interests, provided those interests are not overridden by your rights and freedoms.
Our legitimate interests may include operating and improving the Website; communicating with professional contacts; curating a high-quality private network; protecting confidentiality and trust; developing professional content and insights; preventing misuse; maintaining records; and building bus consulting’s professional activities.
Legal obligation
We may process data where necessary to comply with legal, tax, accounting or regulatory obligations.
3.8 Cookies and Similar Technologies
The Website may use cookies and similar technologies.
Cookies are small files placed on your device that help websites function, remember preferences, understand usage or deliver certain features.
Because the Website is built or hosted using Wix and may use Google services, cookies and similar technologies may be set by Wix, Google or other service providers.
We may use the following categories of cookies.
Strictly necessary cookies
These are required for the Website to function, for example security, page loading, consent settings or form functionality. These cookies cannot usually be disabled through our Website because they are necessary for the service.
Analytics cookies
These help us understand how visitors use the Website, which pages are viewed, how visitors arrive, and how the Website performs. We may use tools such as Google Analytics or Wix analytics. Where required by law, analytics cookies will only be used with your consent.
Functionality cookies
These may remember choices such as language, preferences or form interactions.
Marketing or third-party cookies
These may be used to understand engagement with content, embedded media, social media features or campaigns. We will only use non-essential marketing cookies where permitted by law and, where required, with your consent.
3.9 Cookie Consent
Where required, the Website will display a cookie banner or consent tool allowing you to accept, reject or manage non-essential cookies.
You can also manage cookies through your browser settings.
Please note that disabling some cookies may affect Website functionality.
3.10 Use of Wix
The Website may be hosted and managed through Wix.
Wix may process personal data and technical data in order to provide hosting, website infrastructure, forms, security, analytics, storage and related website services.
Depending on the configuration and service used, Wix may process data as a processor on behalf of bus consulting and/or as an independent controller for certain purposes described in Wix’s own terms and privacy materials.
Visitors should consult Wix’s privacy and cookie information for further details on how Wix processes data.
3.11 Use of Google Services
We may use Google services such as Google Analytics, Google Workspace, Google Search Console, Google Forms, Google Drive, Google Meet, Gmail or other Google tools.
Google services may process personal data and technical data, including usage data, device data, communication data, form responses or analytics data depending on the service used.
Where Google acts as a processor, processing is governed by Google’s applicable data processing terms. In other cases, Google may act as an independent controller under its own terms and privacy policies.
If Google Analytics is used, we aim to configure it in a privacy-conscious manner where possible, including appropriate consent settings, data retention settings and other available privacy controls.
3.12 Email Communications and Newsletters
If you subscribe to updates, request information or become a member, we may send you relevant communications about The European AI Finance Network, bus consulting, Sessions, Dispatches, events, opportunities, articles or related services.
You may unsubscribe from marketing communications at any time by using the unsubscribe link where available or contacting us directly.
Administrative or membership-related communications may still be sent where necessary for your relationship with The European AI Finance Network.
3.13 Confidentiality and Anonymisation
Because The European AI Finance Network is designed for confidential professional exchange, we take particular care with member-related information.
We will not publicly identify members, attribute comments, publish quotes or disclose participation without appropriate permission, unless required by law.
Where we use insights from Sessions, Tables or member exchanges, we aim to anonymise them so that individuals and institutions are not reasonably identifiable.
However, no anonymisation method is perfect. Members should avoid sharing information in The European AI Finance Network that they are not permitted to disclose.
3.14 Sharing Personal Data
We may share personal data with website hosting providers, including Wix; Google services; email, calendar and communication providers; analytics providers; event management providers; professional advisers, such as lawyers, accountants or consultants; IT, security and administrative service providers; payment providers, if applicable; law enforcement, regulators or public authorities where legally required; and other members, only where necessary for the functioning of the network and consistent with confidentiality expectations.
We do not sell personal data.
3.15 International Transfers
Some service providers, including Wix, Google and other digital service providers, may process data outside the European Economic Area.
Where personal data is transferred internationally, we rely on appropriate safeguards where required, such as adequacy decisions, Standard Contractual Clauses, data processing agreements or other lawful transfer mechanisms.
3.16 Data Retention
We keep personal data only for as long as necessary for the purposes described in this Policy.
Retention periods may vary depending on the type of data.
Indicative retention periods include: Website analytics data according to the settings of the relevant analytics tool; contact enquiries up to 24 months after the last interaction; membership applications up to 24 months unless the person becomes a member; member records for the duration of membership and up to 6 years thereafter where needed for legal, accounting or legitimate business purposes; newsletter data until you unsubscribe or the list is closed; financial records as required by applicable tax and accounting law; consent records for as long as needed to demonstrate consent and compliance.
We may retain anonymised or aggregated information for research, reporting or service development purposes.
3.17 Security
We use reasonable technical and organisational measures to protect personal data against unauthorised access, loss, misuse, alteration or disclosure.
These measures may include restricted access; secure service providers; password protection; confidentiality expectations; access controls; data minimisation; review of third-party tools; and appropriate internal procedures.
No website or digital service can be guaranteed to be completely secure. You are responsible for ensuring that any information you send to us is appropriate for the channel used.
3.18 Your GDPR Rights
Subject to applicable conditions and limitations, you may have the following rights under GDPR: the right to access your personal data; the right to correct inaccurate or incomplete data; the right to request deletion of your data; the right to restrict processing; the right to object to processing based on legitimate interests; the right to data portability; the right to withdraw consent where processing is based on consent; the right not to be subject to certain solely automated decisions; and the right to lodge a complaint with a supervisory authority.
To exercise your rights, contact us at: secretariat@europeaifinance.com
We may need to verify your identity before responding to a request.
3.19 Complaints
If you are concerned about how we process your personal data, please contact us first so we can try to resolve the issue.
You also have the right to lodge a complaint with your local data protection supervisory authority.
3.20 Automated Decision-Making
We do not use personal data collected through the Website to make decisions based solely on automated processing that produce legal or similarly significant effects on you.
3.21 Changes to this Policy
We may update this Privacy and Cookie Policy from time to time.
The updated version will be published on the Website with a new “last updated” date.
If changes are material, we may provide additional notice where appropriate.
4. Contact
For questions about these Terms, Disclaimer or Privacy Policy, please contact:
BUS Consulting / The European AI Finance Network
www.europeaifinance.com