Classification is based on semantic text similarity scoring and may include approximations. “No match” means no high-confidence textual match was found — not necessarily that a section was removed.

🟢 New in Current Filing

Clients are seeking additional contractual protections that may create additional liabilities for us

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Clients are increasingly looking to pass on contractual obligations to us, which may include service level, information and cyber-security requirements and audit rights. Many of our clients in the financial services sector are also subject to regulations and requirements to adopt risk management processes commensurate with the level of risk and complexity of their third-party relationships (including as required under the European Union ("EU") Digital Operational Resilience Acts ("DORA")), and provide rigorous oversight of relationships that involve certain "critical activities," some of which may be deemed to be provided by us. Any failure on our part to comply with the specific provisions in client contracts, including having appropriate information security capabilities, could result in the imposition of various penalties, which may include termination of contracts, service credits, suspension of payments, contractual penalties, adverse monetary judgments, and, in the case of government contracts, suspension from future government contracting. Even if the outcome of any claims brought against us were ultimately favorable, such a claim would require the time and attention of our management, personnel, as well as financial and other resources and potentially pose a significant disruption to our normal business operations and reputational damage.

🟢 New in Current Filing Increased scrutiny with respect to sustainability matters 🔒

🟢 New in Current Filing If we fail to maintain proper and effective internal control and remediate any future control deficiencies, our ability or perceived ability to produce accurate and timely financial statements or reporting could be impaired, which could harm our business. 🔒

🔴 No Match in Current Filing Pandemics and other global public health epidemics may adversely impact our business, our future results of operations and our overall financial performance 🔒

🔴 No Match in Current Filing Despite current indebtedness levels, we may still incur more debt. The incurrence of additional debt could further exacerbate the risks associated with our indebtedness 🔒

🔴 No Match in Current Filing The restrictive covenants in our debt may affect our ability to operate our business successfully 🔒

🔴 No Match in Current Filing Certain of our borrowings and other obligations are based upon variable rates of interest, which could result in higher expense in the event of increases in interest rates 🔒

🟡 Modified Failure to develop and market new products and enhancements that maintain our technological and competitive position and failure to anticipate and respond to changes in the marketplace for our products and client demands 🔒

🟡 Modified Additional cost due to tax assessments resulting from ongoing and future audits by tax authorities as well as changes in tax laws 🔒

🟡 Modified Our use of AI technologies may not be successful and may present business, compliance, and reputational risks 🔒

🟡 Modified Failure to enter into, renew or comply with contracts supplying new and existing content sets or products on competitive terms 🔒

🟡 Modified A prolonged or recurring outage and other business continuity disruptions could result in a reduced or total loss of service; the loss of clients and adverse impact on our reputation 🔒

🟡 Modified Exposure to fluctuations in currency exchange rates and the failure of hedging arrangements 🔒

🟡 Modified Competition in our industry may cause price reductions or loss of market share, or limit our growth or profitability 🔒

🟡 Modified Legislative and regulatory changes in the environments in which we and our clients operate 🔒

🟡 Modified Economic, political and other forces beyond our control could adversely affect our business. 🔒

🟡 Modified Transition to new technologies, applications and processes could expose us to unanticipated disruptions or impacts 🔒

🟡 Modified Unauthorized access to confidential data including client data, other cyber-attacks, and the failure of our cyber-security systems and procedures 🔒

🟡 Modified Adverse resolution of litigation or governmental investigations 🔒

🟡 Modified Compliance with global data privacy laws which are constantly evolving 🔒

🟡 Modified Inability to hire and retain key qualified personnel or navigate key management transitions 🔒

🟡 Modified Our indebtedness may impair our financial condition and operations and restrict our activities or our ability to satisfy our obligations 🔒

21 more changes in this filing

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