Legal Information & Disclaimer

The Equator Principles Association (the Association) is the unincorporated association of Equator Principles Financial Institutions (EPFIs) whose object is the management, administration and development of the Equator Principles (EPs). The Association was formed on the 1 July 2010 and resides with the Administrator of the EP Secretariat in the United Kingdom:

Jessica Smith, Director, Peoplesized Ltd.
Administrator, Equator Principles Secretariat
The Equator Principles Association


An unincorporated association is a voluntary association or union of a group of individuals who enter into an agreement as volunteers to form a body (organization) to accomplish a purpose. Members of the Association have a contractual rather than statutory relationship. The EPFIs have adopted Governance Rules for managing the Association.

An unincorporated association is not recognised at law as a legal body. An unincorporated association has no legal rights at law because it is not perceived as a separate entity, unlike a limited company. It has no existence or personality separate from its individual members.

Because it has no legal identity of its own and in legal terms is only a collection of individuals, an unincorporated association cannot:

  • Start a legal action;
  • Borrow money;
  • Enter into contracts in its own name;
  • Hold property.

The Association has appointed BNP Paribas as Corporate Trustee to act on behalf of the EPFIs with regards to managing the Association’s assets and liabilities. This includes owning the Association’s physical or intellectual property rights, being responsible for the Association bank account, tax liability and contracts with external parties.


All information contained on the The Equator Principles website is provided without guarantee of any kind, either express or implied, including, without limitation, guarantees as to fitness for a specific purpose, non-infringement, accuracy or completeness of any materials published therein.

Under no circumstances shall The Equator Principles Association or its members be liable for any direct or consequential loss, personal injury, property damage, or expense of whatever nature incurred or suffered by a user that is claimed to have resulted from the use of The Equator Principles website or other outputs.

The Equator Principles Association shall not be liable under any circumstances for how or for what purpose users apply the information obtained from the Equator Principles Association website. The user maintains sole responsibility and risk for use of The Equator Principles Association website and outputs.