Terms of Use

The following are the terms of an agreement (“Terms of Use”) between you (the “User”) and The Financial Innovations Center, Inc. doing business as The Center for Financial Services Innovation, Inc. and CFSI (“CFSI”). By accessing CFSI’s family of websites located at www.cfsinnovation.com (the “Sites”), you acknowledge that you have read, understand, and agree to be bound by these terms and our Privacy Policy. If you do not agree to these terms, please do not use our Sites.

We reserve the right to change these Terms of Use and any other information contained on our Sites at any time, without notice. Your continued use of our Sites after such changes constitutes your acceptance of and agreement to these changes.

In addition to these Terms of Use, please also review our Privacy Policy, which outlines our practices in handling any Personal Information you provide to us. Our Privacy Policy is incorporated by reference herein and is available on our website.

Authority and Capacity
Through your use of our Sites, you represent that you are at least 18 years of age and have attained the age of majority in the province, state, or country in which you reside and that you are fully able and competent to enter into the terms, conditions, obligations, affirmations, and representations set forth in these Terms of Use.

Types of Users
Our Sites allow Users registered at various levels to access some or all of our resources and other materials, to register for our events, or subscribe to our services, including:

• Individuals and organizations who are invited by invitation-only as part of our Sustaining Membership (formerly known as Core Membership).
• Financial service innovators who are registered as Supporting Membership (formerly known as Digital Membership).
• Attendees of our events or conferences subject to our Terms of Attendance.
• Individuals and organizations who are interested in learning more about CFSI and subscribe to receive our newsletters, updates or other communications.
• Unregistered visitors who are not provided with login information, but still access our website. All are collectively referred to as “Users.”

Any requests to access CFSI’s research data should be sent to info@cfsinnovation.com.

Use of Our Sites
CFSI grants you a non-exclusive, non-transferable, limited permission to access and display our Sites provided that you comply with these Terms of Use. The right to use our Sites is personal to you and you shall not sell, lease, assign or transfer any right to use our Sites nor shall you permit any such assignment or transfer to occur, directly, indirectly or contingently by agreement or operation of law. The use authorized under this agreement is non-commercial in nature. All other use of our Sites is prohibited. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any research, reports, resources, or other materials or information you access on or through our Site (the “Content”).

You agree not to use our Sites in any way that is unlawful or harms CFSI, its affiliates or any other Users. You must not use our Sites in any way that breaches any code of conduct or policy. Without limiting the generality of this section, you must not use our Sites in any manner that could damage, disable, overburden, or impair any part of our Sites or interfere with any other party’s use of our Sites. When you use our Sites you will comply at all times with all applicable international, federal, state and local laws, statutes, regulations, and ordinances and will not take any action that harms or violates the rights of any other person or entity.

By accessing, viewing, and using the Sites, you indicate that you understand and intend these Terms of Use to be the legal equivalent of a signed, written contract and equally binding, and that you accept such Terms of Use and agree to be legally bound by them.

Use of Site Content
In furtherance of CFSI’s mission to further the public debate on important financial issues, the Content on our Sites may be accessed, printed, displayed, downloaded, and distributed for personal, educational, news reporting, or other policy purposes, provided that all copies display all copyright and other applicable notices to the extent such notices are contained in such Content. Further, you agree to refrain from using the Content in any manner that implies, suggests, or could otherwise be perceived as attributing a particular policy, lobbying objective or opinion to CFSI. You must also provide proper attribution to CFSI in connection with your use of any Content. Any rights not expressly granted herein are reserved.

You may not copy, reproduce, create derivatives of, modify, distribute, broadcast, transmit, publish, license, transfer, sell, or otherwise exploit the Content for a fee or for other commercial purposes except pursuant to a separate written agreement with CFSI. If you wish to use any Content for any commercial purpose or any purpose not permitted by this Agreement, please contact us at info@cfsinnovation.com.

Your Responsibilities
You are responsible for all activity that occurs within your profile on our Sites. This means that you will: