Our Terms and Conditions
Please read these terms of use (the "Agreement") carefully before using this Website. By using this Website, you signify your assent to these terms of use. If you do not agree to these terms, you may not use the Website. BAI refers to Bank Administration Institute and the BAI Center.

Restrictions on Use of Materials
This entire Website (the "BAI Website") is copyrighted under United States law and protected by worldwide copyright laws and treaty provisions. It contains various material such as content, software, video, audio, art, graphics, text, etc. collectively, (the "Materials"). You may not copy, reproduce, modify, make derivative works, publish, upload, post, transmit or distribute in any way, without BAI's prior written permission, any of the Materials. You may download or print one copy of any of the items that are included in the Materials for personal, non-commercial use. This is a license, not a transfer of title. You may not remove any copyright, trademark or other proprietary notices from the Materials. You agree to prevent any unauthorized copying or use of the Materials. The use of any Material on any other Website or networked computer environment is strictly prohibited.

Limited License to Use the Materials
In the event you download any software from the BAI Website, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the "Software") are made available to you to use for your own personal use on a limited basis. You may not use the Materials to construct any database of information other than for your own personal use, regardless of whether the database is comprised of materials from other sources or only of Materials from BAI. By providing you with this limited license to use the Software, BAI is not in any way transferring to you title to the Software. You may own the medium on which the Software is recorded, but BAI retains full and complete title to the Software, and all intellectual property rights therein. You may not further copy, distribute, sell, transfer, decompile, reverse engineer, disassemble or otherwise reduce the Software to a human-perceivable form.

Termination
This Agreement is effective until terminated by either party. You may terminate this Agreement at any time by destroying all Materials and all related documentation and all copies and installations thereof obtained from any and all of BAI's Website(s). This Agreement will terminate immediately without notice from BAI if in BAI's sole discretion you fail to comply with any term or provision of this Agreement.  BAI may also terminate this Agreement at any time with notice. Upon termination, you must destroy all Materials obtained from this Website and any and all other BAI Website(s) and all copies thereof.

Disclaimer
THIS WEBSITE, THE MATERIALS, THE SOFTWARE AND ALL OF THE INFORMATION CONTAINS WITHIN THE FOREGOING ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. ALL IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, ARE HEREBY EXPRESSLY DISCLAIMED.

BAI does not warrant that the functions contained in the Materials including Software will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available are free of viruses or other harmful components. BAI does not warrant or make any representations regarding the use or the results of the use of the Materials including Software in the BAI Website in terms of their correctness, accuracy, reliability, usefulness or otherwise. You (and not BAI) assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you. In such states, the exclusion of implied warranties shall be as broad as the greatest extent permitted by such state.

Virtual Expo and Other Third Party Content Disclaimer
BAI is the distributor of content supplied for the Virtual Expo by third party conference exhibitors and sponsors. Accordingly, BAI has no editorial control over content provided by participating companies. The BAI Website contains other content provided by third parties.  Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties are those of the respective author(s) or distributor(s) and not of BAI. Neither BAI nor any third-party provider of information posted and/or accessed through BAI's Web pages guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose.

In many instances, the Content available and/or accessed through BAI represents the opinions and judgments of the respective information provider, or other user not under contract with BAI. It should be understood that BAI neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on BAI's Website by anyone other than authorized BAI employee spokespersons while acting in their official capacities. Under no circumstances will BAI be liable for any loss or damage caused by a user's reliance on information obtained through BAI's Website. It is the sole responsibility of the user to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available and/or accessed through BAI's Website. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.

BAI shall have the right, but not the obligation, at its option to monitor the content of BAI's Website to determine compliance with this Agreement and any terms of use established by BAI and to satisfy any law, regulation or authorized government request. BAI shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on the BAI Website or through its services. Without limiting the foregoing, BAI shall have the right to remove any material that BAI in its sole discretion finds to be in violation of the provisions hereof or otherwise objectionable, subject to agreements between BAI and other content-providers.

Limitation of Liability
Under no circumstances, including, but not limited to, negligence, gross negligence or recklessness, shall BAI be liable for any DIRECT, special or consequential damages OR LOST PROFITS that result from the use of, or the inability to use, the Materials including Software, or resulting from the alteration or deletion of any posted messages, even if BAI or a BAI authorized representative has been advised of the possibility of such damages. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, or other problem or reason, whether for breach of contract, tortious behavior, negligence, or under any other cause of action. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In such states, the liability of BAI is limited to the greatest extent permitted by such state law. In no event shall BAI's total liability to you for all damages, losses, and causes of action whether in contract, tort (including, but not limited to, negligence, gross negligence or recklessness) or otherwise exceed the amount paid by you, if any, for accessing the BAI Website.

Indemnification
You agree to indemnify and hold BAI, its officers, directors, owners, agents and employees, harmless from any claim or demand, including reasonable attorney fees, made by any third party due to or arising out of your use of the BAI Website, the Materials including Software, the violation of these Terms of Use by you, or the infringement by you, or other user of the Website using your computer, of any intellectual property or other right of any person or entity. BAI reserves the right, at our own expense, to assume the exclusive defense and control of (but not the liability for) any matter otherwise subject to indemnification by you. You will be liable to BAI for BAI's reasonable attorney fees in such case.

Links to Other Websites
BAI makes no representation whatsoever regarding the content of any other Websites, which may access from the BAI Website. BAI is not responsible for the accuracy or availability of non-BAI Websites and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such Websites or resources. BAI shall not be liable for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on non-BAI Websites or resources. All concerns regarding any external link should be directed to its respective Website administrator or webmaster.

General
This Agreement is governed by the laws of the State of Illinois, U.S.A. You hereby consent to the exclusive jurisdiction and venue of courts in Chicago, Illinois, U.S.A. in all disputes arising out of or relating to the use of the BAI Website. Use of the BAI Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and BAI as a result of this Agreement or use of the BAI Website. BAI’s performance of this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement is in derogation of BAI's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the BAI Website or information provided to or gathered by BAI with respect to such use. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect. Unless otherwise specified herein, this Agreement constitutes the entire agreement between the user and BAI with respect to the BAI Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and BAI with respect to the BAI Website. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Copyright and Trademark Notices
All contents of the BAI Website are: Copyright (c) 1986-2009 BAI, and/or its suppliers, BAI, 115 S LaSalle, Suite 3300, Chicago, Illinois 60603-3801, U.S.A. All rights reserved.

Trademarks
BAI, the BAI logo, and/or other products and services referenced herein are either trademarks or registered trademarks of BAI. The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

Notices and Procedure for Making Claims of Copyright Infringement
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement or other notices should be sent to the following as Designated Agent:  Kevin McClain at kmcclain@bai.org, 115 S LaSalle, Suite 3300, Chicago, Illinois 60603-3801, 888-284-4078.