Terms and Conditions

FICPnet.com Terms and Conditions

By using the FICP website, you acknowledge and confirm your consent to these terms and conditions of use. If you do not agree to these terms and conditions of use, you must not use this website.
 
The FICP website (hereinafter "website") is owned and operated by Financial & Insurance Conference Professionals (hereinafter "FICP") for your information, reference and education. FICP welcomes you to browse the site, with the understanding that your access to, and use of, the site is subject to the specific terms and conditions set forth herein and all applicable Federal, State and Local laws and regulations. By accessing and browsing the Website, you accept, without limitation or qualification, all of the terms and conditions set forth herein.
 
FICP retains the unconditional right to at any time and for any reason modify, delete or add to these terms and conditions of use, effective immediately upon notice thereof, which may be given by any means, including but not limited to, posting on the website a revised version of these terms and conditions of use.
If any such change is unacceptable to you, you must immediately discontinue your use of the Website. You further agree to periodically review the terms and conditions set forth herein to be aware of any such additions or revisions. Your use of the Website may also be subject to additional or different terms or conditions imposed by third party content providers in connection with third party content, products or services accessible through the Website.

Copyright

All materials posted on this site are subject to copyrights owned by FICP. The association hereby provides limited permission for the user of this site to reproduce, retransmit, or reprint for such user's own personal use (and for such personal use only) part or all of any document on this site as long as the copyright notice and permission notice contained in such document or portion thereof is included in such reproduction, retransmission or reprinting. All other reproduction, retransmission, or reprinting of all or part of any document found on this site is expressly prohibited, unless FICP has expressly granted its prior written consent to so reproduce, retransmit, or reprint the material. All other rights reserved.
 
FICP Copyright Agent for notice of claims of copyright infringement on or regarding this site can be reached as follows: FICP, Executive Director, 330 N. Wabash Ave., Suite 2000, Chicago, IL 60611.

Jurisdictional Issues

FICP controls and operates this Website from Chicago, Illinois and makes no representations that the materials, products, services, information, data and images on the Website are appropriate or available for use in other locations or jurisdictions. Individuals or entities choosing to access this Website from other locations do so on their own initiative and are solely responsible for compliance with all Federal, State, and Local laws, if and to the extent these laws are applicable.

Disclaimer

FICP is providing information and services on this site as a benefit and service in furtherance of the association’s non-profit and tax-exempt status. The association makes no representations about the suitability of this information and these services for any purpose. FICP does not exert editorial control over the materials that are posted by third parties onto the site or materials that are e-mailed by third parties to any other persons. FICP is not responsible for any material posted by any third party. FICP specifically disclaims any and all liability for any claims or damages which may result from any postings by third parties.

Limitation of Liability and Indemnity

The great danger for FICP is that we might be held accountable for the wrongful actions of our visitors. If one visitor libels another visitor, the injured visitor might blame us, even though the first visitor was really at fault. If a visitor uploads a program with a computer virus, and other visitors' computers are damaged, we might be blamed even though the virus was left on our board by a visitor. If a visitor transfers illegal credit card information to another visitor through private electronic mail, we might be blamed even though we did nothing more than unknowingly carry the message from one visitor to another.
 
We did not start this site to take the blame for others' actions, and we cannot afford to operate it if we must take that blame. Accordingly, all visitors must accept responsibility for their own acts, and to accept that an act by another visitor that damages them must not be blamed on us, but on the other visitor. Therefore, as a condition of participation in site, participants must agree as follows:
 
You agree that FICP will not be responsible to you for any indirect, consequential, special or punitive damages or losses you may incur in connection with visiting this site or any of the data or other materials transmitted through or residing on this site, even if we have been advised of the possibility of such damage or loss. In addition, you agree to defend and indemnify FICP and hold FICP harmless from and against any and all claims, proceedings damages, injuries, liabilities losses, costs and expenses (including reasonable attorneys fees) relating to any acts or omissions by you or materials or information transmitted by you in connection with our forum leading wholly or partially to claims against FICP or this site by other callers or third parties.

User Input

Unless otherwise provided in the Terms and Conditions, any communication, material or feedback with regard to contents on this site transmitted by a user of this site via electronic mail or otherwise, including any data, questions, or comments regarding the content of any document or other information contained on the site, such information shall be deemed to be non-confidential and FICP shall have no obligation of any kind with respect to such information. Unless otherwise agreed, FICP does not claim ownership of the materials you provide to FICP or post, upload, input or submit to the site for review by the general public, or by the members of any public or private community ("Submission"). Unless stated otherwise for specific services, you will retain copyright ownership and all related rights for information you publish through the site. By providing a submission you warrant and represent that you own or otherwise control all of the rights to your submission as described in these Terms including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the submission. By posting the information on this site you hereby grant FICP the right to reproduce, use, disclose and distribute the information to others through this site or in other FICP materials without limitation.

Trademarks

"FICP", the FICP logo, and other FICP logos and titles are registered trademarks of FICP. All other products, company names or other marks appearing on this site are the trademarks of their respective owners. Nothing contained in the site should be construed as granting, by implication, or otherwise, any license or right to use any trademark displayed on the site without prior written permission of FICP or other trademark owners.

Miscellaneous

This document shall be governed by and construed in accordance with the laws of the State of Illinois, without giving effect to any principles of conflicts of law. If any provision of this agreement regarding terms and conditions of use shall be held unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing, signed by authorized representatives of both parties.

FICP EVENT REGISTRATION TERMS AND CONDITIONS

General

FICP reserves the right to change, amend, add or remove any of the Terms & Conditions in its sole discretion and without prior notice. If one or more of the conditions outlined in these Terms & Conditions should become invalid, the remaining will continue to be valid and apply. These Terms & Conditions apply to all event participants (attendees, speakers, sponsors).

The views expressed by any attendee, speaker, or sponsor are not necessarily those of FICP.  All attendees, speakers, and sponsors are solely responsible for the content of all individual or corporate presentations, marketing collateral, and/or advertising.   

Code of Conduct

We are committed to creating a safe, productive, and welcoming environment that is inclusive and free from discrimination, regardless of race, religion, color, national origin, sexual orientation, gender expression or identity, transgender status, age, disability, veteran or marital status, or any other protected categories under applicable law.

All participants, including, but not limited to, attendee, partner, sponsor, speaker, FICP staff member, service provider, or other event guest must abide by the following policy:

Expected Behavior:

  • Be considerate of those around you.
  • Be respectful of others and their viewpoints that may be different from your own.
  • Be collaborative with others.
  • Be mindful of your words and actions.

Unacceptable behaviors may include, but are not limited to:

  • Offensive or unwanted behavior or language related to, but not limited to, race, religion, color, national origin, sexual orientation, gender expression or identity, transgender status, age, disability, veteran or marital status, or any other similar categories.
  • Visual harassment, such as sexual images OR sexual language including in presentations, PowerPoint etc.
  • Sexual harassment of any kind, such as unwelcome sexual advances or words/actions of a sexual nature.
  • Wearing attire that includes harmful or offensive language or imagery that is not appropriate for a professional setting.
  • Disruption of presentations during sessions or events organized by FICP. 
  • Copying or taking screen shots of Q&A or any chat room activity that takes place in the virtual space.
  • Abusive action directed at an individual, such as threats, intimidation, or bullying, both online and/or in-person.
  • Sharing your registration credentials with any other person(s).
  • Making event content available to a competitor of FICP.
  • Possession of a weapon or something that could be construed as a weapon both online and/or in-person.
  • Possession or mention of illegal substances both online and/or in-person.
  • Inappropriate comments or stalking of fellow attendees.
  • Nudity is prohibited.
  • Any other illegal activity not already covered above.

FICP has zero-tolerance for any form of discrimination or harassment, including but not limited to sexual harassment by participants or our staff at our meetings. If you experience harassment or hear of any incidents of unacceptable behavior, FICP asks that you inform Katie Karmowski in FICP Membership & Operations, kkarmowski@ficpnet.com, or (312) 673-5977 so that we may take the appropriate action.

Unacceptable behavior will not be tolerated and could result in debarment from current, and/or any future FICP events. If a participant is found or reasonably believed to be engaging in unacceptable behavior, FICP may take any action they deem appropriate, up to and including expulsion from the event without warning or refund. If appropriate, local law enforcement may get involved.

FICP Events Health & Safety Considerations

For public health and safety reasons, everyone attending the 2021 FICP Annual Conference, 2021 FICP Strategic Leaders Event and 2022 FICP Winter Symposium will agree to comply with all health, safety and distancing guidelines and must provide proof that they have completed the vaccination for COVID-19 no later than two weeks prior to arrival, according to the protocols recommended by the CDC and other medical professionals. If a health or religious reason requires an exemption from being vaccinated, a negative test will be permitted. 

These rules apply to all in-person meeting professionals, hospitality partners, sponsors and FICP staff, regardless of your registration date. The process for submitting proof of vaccination and/or exemption status will be shared in the coming weeks. We will evaluate the need for a mask requirement closer to the event, based on the latest CDC guidelines.

View the following webpages for more information:

Please note that all health and safety information, policies and protocols are subject to change at any time, should the situation evolve.

Event Cancellation by FICP

FICP reserves the right to cancel an event due to circumstances that would make the event impractical or impossible to hold. If FICP cancels an event, FICP will refund registration fees or allow transfer to another event, if applicable. FICP will not be responsible for reimbursement of any participant’s expenses related to the cancellation or postponement of an event.

Internet Disclaimer

FICP will provide you online access to its virtual events via the Internet by use of your Internet browser. You are solely responsible for obtaining and maintaining at your own expense, all equipment needed to access FICP’s virtual event, including but not limited to Internet access and adequate bandwidth.  USE OF OR CONNECTION TO THE INTERNET PROVIDES THE OPPORTUNITY FOR UNAUTHORIZED THIRD PARTIES TO CIRCUMVENT SECURITY PRECAUTIONS AND ILLEGALLY GAIN ACCESS TO THE EVENT AND CUSTOMER DATA. ACCORDINGLY, FICP CANNOT AND DOES NOT GUARANTEE THE PRIVACY, SECURITY OR AUTHENTICITY OF ANY INFORMATION TRANSMITTED OVER OR STORED IN ANY SYSTEM CONNECTED TO THE INTERNET.

Liability Waiver & Release

In consideration of being allowed to register for, and participate in FICP events, you hereby warrant and represent that you are age 21 or above and freely waive, release from liability, assume all risks, and covenant not to sue FICP or its members, employees, board members, agents, or volunteers for any expense, loss, damage, personal injury, including loss of life, illness, disability, property damage, or property theft or actions of any kind that you may hereafter suffer or sustain before, during, or after the event, unless said expense, loss, damage, personal injury, including loss of life, illness, disability, property damage or property theft or actions of any kind is caused by the sole, gross negligence of FICP. This Liability Waiver & Release is specifically binding upon your heirs and assigns and is knowingly given. 

Photography/Video

On occasion, you may be photographed, video-taped, or audio-taped in connection with FICP activities. As a participant of FICP in-person or virtual events, you agree that FICP is the sole owner of all rights in and to the resulting photographs, screen shots, video footage and recordings, for all purposes related to FICP's business (both now and in the future). Your name and likeness may be used by FICP in advertising and promotional materials. Participants shall receive no compensation or royalties for appearance in any materials.  Your attendance constitutes your permission and consent for photography, video or screen capture subsequent usage.  

Data Privacy

You acknowledge personal information you provide may be used in accordance with our Privacy Policy. For more information regarding your personal data rights, please review FICP’s Privacy Policy.

Standards of Excellence and Professional Conduct

FICP members and hospitality partners are also required to adhere to the Standards of Excellence and Professional Conduct, which can be found on the FICP website

Assumption of the Risk and Waiver of Liability Relating to Event Access By Participants

The novel coronavirus, COVID-19, has been declared a worldwide pandemic by the World Health Organization.  COVID-19 is extremely contagious and is believed to spread mainly from person-to-person contact.  As a result, federal, state, and local governments and federal and state health agencies recommend social distancing and have, in many locations, prohibited the congregation of groups of people. Governmental restrictions may change at any time without prior notice. As such, FICP (“ASSOCIATION”) cannot guarantee eligibility to travel or to participate in the Event (“the Event”) if restrictions change. Additionally, if Event Attendees choose to attend the Event and enter onto the Event premises, they may be exposing themselves to and/or increasing your risk of contracting or spreading COVID-19.

FICP and its members, officers, officials, directors, instructors, contractors, agents, employees, and any other representative (collectively “Entities”)  and the event venue will seek to implement preventative measures to reduce the spread of COVID-19 consistent with the guidance and recommendations of public health agencies for slowing the transmission and exposure to COVID-19 which may include, but not be limited to, health questionnaires for all Event participants, sanitation procedures, and physical distancing measures at the event venue and during the Event. 

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