Legal Conditions: CGAP Microfinance Photo Contest

For CGAP to accept your entry, we need you to agree to the following terms:

1. You are entering this contest at your own risk. You must agree that, regardless of the outcome, you will not challenge the results of the CGAP Microfinance Photography Contest (the “Contest”) or file any claims or suits against the Consultative Group to Assist the Poor (CGAP), the World Bank (IBRD), their affiliates, directors, officers, or employees, arising from the conduct of the Contest. You agree that CGAP need not return to you any images you submit and that CGAP may, in its sole discretion, terminate this contest without any liability to you. If CGAP terminates the Contest before its completion, CGAP agrees that it will not use your images for any purpose.
2. You agree that the images you submit may be used by CGAP in a printed publication, on a Web site, in a slideshow and screensaver, may be uploaded on the CGAP Flickr account, or in any other media, and may be copied and displayed in any country, provided that you are afforded appropriate attribution to you as the photographer. You may not revoke this permission to allow CGAP to use your images. Although you are agreeing to allow CGAP to use your images, you remain the owner of your images and may also use them in any manner you choose. CGAP holds copyright to the collection of photos that constitute the CGAP Microfinance Photo Contest.
3. You promise that you are at least 18 years of age, you are not part of the operational team of CGAP, the World Bank, or an immediate family member of such a person.
4. You promise that the photographs you submit (a) are your own work, (b) do not (to your knowledge) infringe on the rights of any other person or business, and (c) have not been previously published.
5. You promise that persons depicted in the photographs (except outdoor crowd scenes) have given you permission to use their image in your photograph. We ask for this promise because we want you to be respectful of the persons you photograph and considerate of their sensitivities concerning the use of their image in your photograph.
6. You agree that neither CGAP nor the World Bank (IBRD) is endorsing any organization depicted in the photographs entered in, or chosen as winners of, the Contest.
7. You promise that your photograph accurately reflects the subject matter and scene as it appeared, and that it has not been digitally altered beyond standard optimization (removal of dust, cropping, adjustments to color and contrast, etc.).
8. You agree that CGAP does not need to pay you for your images, whether you win a prize or not.
9. You agree that neither CGAP nor the World Bank (IBRD) is acting as an agent, publisher, or intermediary for the photograph(s) you submit. Any inquiries from outside parties about the purchase or use of your photograph(s) will be passed to you, the photographer, directly. CGAP holds copyright to the collection of photos that constitute the CGAP Microfinance Photo Contest.
10. You promise that you are not an employee, or a family member of an employee, of CGAP or the World Bank.

If you agree to these terms, please check the box on the electronic form, or print this page and sign/date and submit with your mailed entries.

Signature _____________________________________ Date _____________________