Policies, Terms and Conditions

Delivery Information

All of our reports are delivered electronically in .pdf format, via the email address provided by the customer.

Webinar attendees will be sent webinar registration and information via the email provided.

Substitution/Cancellation Policy

All of our reports come with a 30 day Satisfaction Guarantee. If you are not completely satisfied with your report purchase, please contact us for a money-back guarantee. We are confident that we will exceed the expectations of our clients and that our exceptional quantitative data and industry analysis will provide substantial value and differentiation. If you wish to further discuss or need further clarification on our data or findings, our team of expert analysts are able to provide additional insight on a fee basis. Please fill out a Briefing Request Form if you wish to speak with an analyst.

If you wish to upgrade to a full or partial subscription, your report purchases within 90 days will be credited toward your account. If you would like to speak to a Relationship Manager about future opportunities or subscription options, please contact us at sales@javelinstrategy.com.

Javelin Data Promise

We pride ourselves on the integrity of our research, following a rigorous data process and presenting our findings through an intricate, independent and unbiased methodology. Javelin provides superior direction on key facts and forces that materially determine the success of customer-facing financial services, payments and security initiatives. Our advantages are rigorous process, independent position, and expert people.

We deliver our findings in the most correct and pertinent way possible, relevant to what we believe to be true at the time. We are not responsible for any misrepresentation or misinterpretation of our quantitative or qualitative data.


Javelin Strategy & Research may use the information that you provide for report purchases, webinar registration, and other subscription methods to contact you regarding relevant Javelin marketing opportunities. You are able to opt-out of all Javelin emails upon email delivery and any time thereafter by following the “opt-out” instructions. Note that once you opt-out of Javelin emails, you will no longer receive report alerts, newsletters, or any updated information regarding your purchase. If you need any assistance in this matter, please contact us through the information on our “contact us” website page and we will be happy to assist you.

Users are not required to enter any of their information to use the public areas of our site. If you wish to contact us, make a purchase, download a document or file, or receive additional information, personal information will be required. Confidential payment information will also be required to complete a purchase.

All Javelin Strategy & Research employees receive and sign a copy of Javelin’s confidentiality and privacy standards. This agreement is taken very seriously and infringement on any such policies will result in immediate termination and notification of any possibly affected parties.

System Requirements

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Javelin Strategy & Research complies with industry PCI Compliance standards and is committed to safeguarding our website. We use 128-bit or 256-bit SSL encryption throughout the secure portions of our site, including the home and e-Commerce pages, and are protected using Entrust EV-SSL.

We are not responsible for any unforeseen security threats or unsecured transmissions as no data transmission or website usage can have a 100% secure guarantee. Any use on our website or submitted information is done at your own risk. Javelin Strategy & Research is not held accountable or responsible for any unauthorized access or Internet security activity. Likewise, we are not responsible for the content, privacy, or security of any third-party link on site as they are operated independently and are provided as additional resources for the convenience of our Users.

The user agrees not to act in any way that would compromise the security, accuracy, or validity of this website. Javelin Strategy & Research has the right to terminate a user’s access if any policy is violated or the security of the website is compromised in any way.

Our server is owned and operated in the United States. Any information submitted outside of the U.S. will be transferred to the U.S. If you use our website (participating in any way and/or providing any information), you are aware of this and consent.

Use of Cookies

We use cookies on our website for user convenience with login information and client-specific usability. When a visitor enters our site, the server may attempt to identify the user through a cookie within the browser to allow site access. Cookies used by Javelin Strategy & Research are only used on our website and can be deleted on the user end, following the appropriate steps using browser features. These cookies allow us to improve our research and website usability and effectiveness so that we can better serve the needs of our customers, and are treated as confidential proprietary information of Javelin Strategy & Research. They may prompt users as well as store and recognize login, personal, and payment information. We track user information, including but not limited to pages accessed and visited, clicks and opens, and navigation throughout the site, browsers used, IP addresses.

Children’s Privacy

Our site is intended for and geared toward adults and business professionals only. We do not solicit to, encourage solicitation, or knowingly collect information from minors, with the exception of targeted research surveys that may be designed to report on the behaviors and attitudes of minors for business purposes.

Updates to Our Policies

Any update to our policy will be posted to the website, with the most current date posted. Javelin Strategy & Research reserves the right to make changes to any of our policies at anytime, without notice. Use of the website during and after any changes are made further indicates the user’s agreement and acceptance of all website policies, terms and conditions.


The Javelin website and all of its posted and related content are the sole property of Javelin Strategy & Research and are protected by U.S. and international copyright law. Any copyrighted, trademarked, and content is not to be reproduced, altered, displayed, or shared without the written consent of Javelin Strategy & Research. Furthermore, nothing is to be altered or added to the site, especially anything that compromises the security to the website or its users. All citations made from our website and/or any Javelin & Strategy research must adhere to and follow our citation policy, which is listed below under Citation Policy.

Javelin research represents expert opinion, industry trends, and quantitative and qualitative data. The published research opinions are representative of the publication date and are subject to change at anytime, without notice.

Basics of Copyright Law

Copyright laws protect original works of authorship, ranging from literary works, visual art, or audio works. Only the copyright owner of an original piece of work, or someone with that individual’s copyright owner’s permission has the authority to do the following to the piece of work: make a copy, create adaptations or make modifications, distribute copies, perform the work publicly, or display the work publicly. The copyright owner possesses theses exclusive rights. The Berne Copyright Convention mandates that each country in agreement will respect and enforce the copyrights that originate in other member states; in this case, the United States. All Javelin data and research in any form is proprietary information of Javelin Strategy & Research.


Javelin Strategy & Research adheres to a rigorous research process, and therefore, has strict guidelines for research use and citation, which are defined and outlined as follows:

Citation of Javelin Research

All Syndicated Research is proprietary to Javelin and is subject to copyright and other intellectual property laws and protections. All commercial citation and use of our data and research without our written permission is prohibited. All Javelin intellectual property is subject to this Citation Policy. Any reuse or distribution of Javelin’s research must be presented in accordance with all of Javelin’s policies. Full reproduction of Javelin Strategy & Research is prohibited. All citations must be correctly cited and limited in scope, and are subject to Javelin Strategy & Research’s citation policy, set forth according to the guidelines specified below:

  1. All citations must come directly from Javelin research or data cross-tabulation.
  2. All citations must be expressed within the context of Javelin research and accurately cited.
  3. Citations that negatively portray or negatively bias a companies or products image are forbidden to be used.
  4. Javelin research may not be used to endorse (explicit or implicit) any company, service, or third party.
  5. Javelin data or citations may not be merged or combined with data from any other firm or analyst.
  6. All external and commercial citation is prohibited without our expressed and written permission.
  7. In regards to client purposes, all citations must come directly from the Javelin research. Analysts cannot provide verbal or direct quotes for client materials.
  8. All citations must be attributed to the appropriate source: Javelin Scorecard, Javelin Data, Javelin Syndicated Research, Javelin Custom Research, or Javelin Analyst/Consulting.
  9. Javelin reserves the right of refusal for any approval or citation request.
  10. All citations of Javelin surveys, data, research, and/or findings within customized client projects are subject to this Citation Policy and other contractual limitations within the project scope.
  11. All citations must be in the following format: Title, Javelin Strategy & Research, Date.
  12. Citations using graphical research analysis (such as Javelin scorecards and the Javelin Prevention, Detection, and Resolution model) must be approved by Javelin Strategy & Research before being correctly cited.
  13. All citations must be obtained through legal means and through properly contacting Javelin, as outlined below:

Submitting a quote/Receiving Javelin’s approval for Citations

All Javelin quote and citation requests must approve any external use in writing. Requests to use, quote, mention, excerpt or reference any research conducted or referenced by Javelin Strategy & Research must be submitted to inquiry@javelinstrategy.com. You must obtain approval from Javelin before quoting or referencing any data or research. Please submit the quotes, along with the full citation and context of that you wish to use. Also, indicate where in the materials the quote will be its original research source. We will respond to your requests as soon as possible.

When to Seek Javelin’s Approval

  1. Approval must be received for all external or commercial citations of Javelin research and data, including, but not limited to advertisements, press releases, sales material, SEC filings, legal documents, and links to any websites maintained by Javelin Strategy & Research.
  2. All full reproductions and/or distributions of Javelin research is prohibited without the expressed, written consent of Javelin Strategy & Research.
  3. All non-clients are reviewed on a case-by-case basis, and a response or authorization is not guaranteed.
  4. The Javelin logo, all marketing materials, ‘marks,’ trademarked information, and all research data and content require Javelin approval for media purposes, speaking engagements, conferences, or any related uses.
  5. If you are unclear on a particular use, if approval is needed, or what the citation guidelines are, please contact to for further clarification and to seek approval.

Client Use

Clients may display Javelin graphics on their Web sites, but they must do so in a way that displays the full authorized reprint of the research, report, scorecard, crosstab, or analyst briefing. They may use Javelin graphs in slide presentations, so long as the Javelin graphic is displayed in its entirety, with the original title and date of publication and Javelin-approved disclaimers on each slide. The Javelin logo may also be used for webinar purposes, as long as the logo is secondary in size and placement to the logo from the hosting/presenting company.

Clients may use some Javelin research for internal purposes only, including part of a scorecard, data tabulation, or text from reports, so long as they adhere to Javelin’s Citation Policies.

Companies may only claim they are “Best in Class” or have received “One Star,” “Two Star,” “Three Star,” or “Four Stars” when referring to the category in which they received the honorable mention. They must also use Javelin’s weighting system and methodology in referencing honors received. These honorable mentions can only be used from Javelin syndicated research reports, and the wording for what mention they received must be the same as stated in the report, and be specific to what area they received mention in.

Press Release Guidelines

Using “Javelin,” “Javelin Research” or “Javelin Strategy & Research” in press release titles and subheads is prohibited. “Independent Research Firm” is the only substitution that may be used in these instances.

Clients may use the following formats for press releases and other marketing materials:

(Company) was among the select companies that Javelin invited to participate in (Date) Javelin’s (report name). In this evaluation, (Company) was awarded top honors in (Javelin Category Name).

(Company) was invited to participate in its (Date) Javelin (Report Name). In this evaluation and report findings, (Company) received high scores for (Category Names ).

The following is a commissioned study conducted by Javelin Strategy & Research, on behalf of (Company Name).

When Approval is Not Necessary

In some instances, press and media members may use portions of our research without our approval, but should contact us to ensure that the data is correct and is being portrayed correctly. Please contact us at marketing@javelinstrategy.com for further details, to obtain data, to speak with an analyst, and/or to clarify any findings.


Please read the following terms and conditions. You are bound to the non-negotiable terms of use stipulations listed below, as well as all of the policies listed on this website upon use.

All of our Policies, as well as Terms and Conditions are terms stipulated by Javelin Strategy & Research, Inc. and include references to “Javelin” and “Javelin Strategy & Research as the governing body. The use of the “Javelin” name and the rights to all Javelin data, research, and intellectual property must be determined and approved by Javelin for each instance of use.

Limitation of Liability

Our website, www.javelinstrategy.com is property of Javelin Strategy & Research, a corporation located and registered in Pleasanton, CA. Our contact information is as follows: (925) 225-9100, inquiry@javelinstrategy.com. 4301 Hacienda Drive, Pleasanton, CA 94588, USA.

When you use our website, you have indicated to that that you have read and are agreeing to adhere to and accept all of our policies and terms and conditions.

Javelin Strategy & Research is not liable or responsible for any damages of any kind relating to our research or information or website content. These damages, whether incidental or consequential, include business expense(s) and lost profits or time. Additionally, we are not responsible for use or misuse of the website, misrepresentation of our data or research, or errors/claims to errors, omissions or any discrepancies displayed on our website. We stand by our data and methodology that reflects a rigorous process and our best judgment was imparted at the time of analysis. This limitation of liability supersedes all other warranties.

Indemnification and Hold Harmless

Users of this website agree to indemnify, defend and hold harmless Javelin Strategy & Research, its clients, third-party vendors, affiliates, licensors, and their respective officers, directors, employees and agents from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, misrepresentation and misuse of data and research arising out of user's use/ misuse of this website or all of its content.

General Provisions and Governing Law

These TERMS AND CONDTIONS and all policies and terms of use as well as the resolution of any dispute arising hereunder shall all be governed and construed in accordance with the laws and jurisdiction of the United States and California, without regard to its conflicts of law principles.

Any provision in received in connection or accordance with this Website which is inconsistent with, or adds to, these TERMS AND CONDITIONS or any website policies is void. If any term hereunder is determined by a court of competent jurisdiction to be invalid, all remaining terms will remain in full force and effect.

Fair Use

Any Javelin Strategy & Research content or information may not be used for commercial gain in any way or form, including, but not limited to marketing or sales material, web site content, public relations material, data, or report content. Javelin Strategy & Research data and information may not be used in any way that compromises client information or privacy or Javelin’s independent, unbiased promise. Members of the media and press and/or any other user of our research or information assumes full responsibility for citing our sources, holding Javelin Strategy & Research harmless from the misuse or misrepresentation of data and incorrect citation.


As well as all products, research, and services mentioned on our website, the following terms belong to and are the sole property of Javelin Strategy & Research: “Always-on finance,” “Core Millennials,” “Customer-Driven Architecture,” “Deputize the Customer,” “Interactive Financial Messaging,” “PFM Deluxe,” “PFM Lite,” “Prevention, Detection, and Resolution,” “Safety Scorecard,” and “UDLAPs.”

Policies and Terms and Conditions last updated: January 20, 2010

Javelin Strategy & Research reserves the right to make changes to these policy guidelines at any time, without notice. These guidelines are for general informational purposes only and Javelin maintains all rights to its data, research, and intellectual property.