Thank you for visiting the website of the International Actuarial Association (“IAA”, “we”, “us” or “our”). By visiting, browsing and using the Websites, including but not limited to any applications, platforms, services, or other resources related to, distributed on or available through www.actuaries.org (the “Websites”), the User agrees to be bound by these terms and conditions of use (“Terms”).
BY USING THE WEBSITES, YOU ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU MUST NOT ACCESS OR USE THE WEBSITES.
1. MODIFICATIONS TO THE TERMS AND CONDITIONS AND TO THE WEBSITES
We reserve the right in our sole discretion to revise and update these Terms from time to time. Any and all such modifications are effective immediately upon posting and apply to all access to and continued use of the Website. You agree to periodically review the Terms in order to be aware of any such modifications and your continued use shall be your acceptance of these.The information and material on our Websites may be changed, withdrawn, or terminated at any time in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Websites is restricted to users or unavailable at any time or for any period.
2. USE OF THE WEBSITES
Our Websites, including any sub-sites (e.g. online communities), is provided as a service of the IAA. For Users accessing our Websites from the European Union, be aware that our Websites use cookies. Users may instruct their Internet browsers to opt out of accepting cookies, or not use our Websites.Users of the Websites may save and use information contained on the Websites only for personal or other non-commercial, educational purposes; requests to use any information, content or other material provided on the Websites can be made by contacting the International Actuarial Association, ATTN: Director of Communications and Engagement 605-75 Albert Street, Ottawa, Ontario K1P 5E7, CANADA or via email at secretariat@actuaries.org.
3. YOUR USE OF THE WEBSITES AND ACCOUNT SET-UP AND SECURITY
The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.The safety and security of your information also depends on you. Users are responsible for obtaining their own access to the Websites. Users are required to ensure that all persons who access the Websites through a user's internet connection are aware of these Terms and comply with them. The Websites, including content or areas of the Websites, may require user registration. It is a condition of your use of the Websites that all the information you provide on the Websites is correct, current, and complete.Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Websites. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Websites.Your provision of registration information and any submissions you make to the Websites through any functionality such as applications, chat rooms, e-mail, message boards, personal, or interest group web pages, profiles, forums, bulletin boards, and other such functions (collectively, “Interactive Functions”) constitutes your consent to all actions we take with respect to such information consistent with our Privacy Policy.Any username, password, or any other piece of information chosen by you, or provided to you as part of our security procedures, must be treated as confidential, and you must not disclose it to any other person or entity. You must exercise caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. You understand and agree that should you be provided an account, your account is personal to you and you agree not to provide any other person with access to our Websites or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you logout from your account at the end of each session. You are responsible for any password misuse or any unauthorized access.We reserve the right at any time and from time to time, to disable or terminate your account, any username, password, or other identifier, whether chosen by you or provided by us, in our sole discretion for any or no reason, including any violation of any provision of these Terms.You are prohibited from attempting to circumvent and from violating the security of our Websites, including, without limitation: (a) accessing content and data that is not intended for you; (b) attempting to breach or breaching the security and/or authentication measures which are not authorized; (c) restricting, disrupting, or disabling service to users, hosts, servers, or networks; (d) illicitly reproducing TCP/IP packet header; (e) disrupting network services and otherwise disrupting Websites owner's ability to monitor the Websites; (f) using any robot, spider, or other automatic device, process, or means to access the Websites for any purpose, including monitoring or copying any of the material on the Websites; (g) introducing any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (h) attacking the Websites via a denial-of-service attack, distributed denial-of-service attack, flooding, mailbombing, or crashing; and (i) otherwise attempting to interfere with the proper working of the Websites.
4. INTELLECTUAL PROPERTY RIGHTS AND OWNERSHIP
You understand and agree that the Websites and their entire contents, features, and functionality, including, but not limited to, all information, software, code, data text, displays, graphics, photographs, images, video, audio, music, broadcast, design, presentation, website layout, selection, and arrangement, are owned by IAA and are protected in all forms by intellectual property laws including, without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights.The IAA name, our logo, and all related names, logos, product and service names, designs, images, and slogans are trademarks of IAA. You must not use such marks without the prior written permission of IAA. Use of any such property, except as expressly authorized, shall constitute an infringement or violation of the rights of the property owner and may be a violation of federal or other laws and could subject the infringer to legal action.You may only use the Websites for your personal and non-commercial use. You shall not directly or indirectly reproduce, compile for an internal database, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Websites.Users are not permitted to modify copies of any materials from our Websites nor delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site. You must not access or use for any commercial purposes any part of the Websites or any services or materials available through the Websites.If you print off, copy, or download any part of our Websites in breach of these Terms, your right to use the Websites will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. You have no right, title, or interest in or to the Websites or to any content on the Websites, and all rights not expressly granted are reserved by IAA. Any use of the Websites not expressly permitted by these Terms is a breach of these Terms and may infringe or violate copyright, trademark, and other intellectual property or other proprietary laws.
5. ACCURACY OF INFORMATION
The IAA attempts to ensure that information on the Websites is complete, accurate and current. Despite such efforts, the information on the Websites may occasionally be inaccurate, incomplete and/or out of date. The IAA makes no representation or warranty as to the completeness, accuracy or how up to date any information on the Websites is. The information, opinions, and recommendations presented within the Websites are for general informational purposes only.Such information should not be considered professional advice and is not intended to replace consultation with a qualified professional. Unless specifically stated otherwise, the IAA does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned on the Websites, and information from the Websites should not be referenced in any way to imply such approval or endorsement.Links or pointers connecting the IAA Websites with other Internet sites are provided as a courtesy only and do not imply, directly or indirectly, the endorsement, sponsorship, or approval by the IAA of the linked site, the organization or individual operating the site, or any product, service or organization referenced in the site.In general, any site that has an address (or URL) that does not contain "actuaries.org" is a linked site. The content of any linked site does not necessarily reflect the opinions, standards or policies of the IAA. The IAA assumes no responsibility or liability for the accuracy or completeness of content contained in any linked site or for the compliance with applicable laws of such linked sites.
6. MEMBERSHIP DIRECTORY
The membership data may not be downloaded, republished, resold, or duplicated, in whole or in part, for commercial or any other purposes without limitation, or for purposes of compiling mailing lists or any other lists of actuaries. Although individual actuaries are encouraged and permitted to view their database listing and to update it online, the IAA does not warrant the accuracy, completeness, or timeliness of the information contained in this database. In no event shall the IAA be liable to you or anyone else for any decision made or action taken by you in reliance on such information.
7. SOCIAL MEDIAThe purpose of the IAA LinkedIn Groups, including subgroups, (“LinkedIn Group”), the IAA X (formerly Twitter) Account (“X Account”), the IAA Facebook Page (“Facebook Page”), the IAA Instagram Page (“Instagram Page”) and the IAA YouTube Channel (collectively, “IAA Social Media Accounts”) is to provide an engaging forum in which the IAA and/or its leadership not only share timely information, but also have a mechanism to informally solicit feedback and encourage discussion on IAA activities. All users of the IAA Social Media Accounts are encouraged to participate in the online discussions through comments and posts of their own.By accessing, browsing, or using the IAA Social Media Accounts, User agrees to be bound by these Terms.
8. CONDITIONS OF USE AND USER SUBMISSIONS AND SITE CONTENT STANDARDS
As a condition of your access and use of the Websites, you agree that you may use the Websites only for lawful purposes and in accordance with these Terms.The following site content standards apply to any and all content, material, and information a user submits, posts, publishes, displays, or transmits (collectively, “submit”) to the website or to other users or persons (collectively, “User Submissions”) and any and all Interactive Functions. Any and all User Submissions must also comply with all applicable federal, provincial, local, and international laws, regulations, and terms of service.Users should exercise common sense and courtesy in submitting comments or materials for the IAA Social Media Accounts.Without limiting the foregoing, you warrant and agree that your use of the Websites and any User Submissions shall not:
- In any manner violate any applicable federal, provincial, local, or international law or regulation including, without limitation, any laws regarding the export of data or software, patent, trademark, trade secret, copyright, or other intellectual property, legal rights (including the rights of publicity and privacy of others) or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms and our Privacy Policy.
- In any manner violate the terms of use of any third-party website that is linked to the Websites, including but not limited to, any third-party social media website.
- Include or contain any material that is exploitive, obscene, harmful, threatening, abusive, harassing, hateful, defamatory, sexually explicit or pornographic, violent, inflammatory, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, or age or other such legally prohibited ground or be otherwise objectionable, such determination to be made in IAA’s sole discretion.
- Involve stalking, attempting to exploit or harm any individual (including minors) in any way by exposing them to inappropriate content or otherwise or ask for personal information as prohibited under applicable laws, regulations, or code.
- Involve, provide, or contribute any false, inaccurate, or misleading information.
- Include sending, knowingly receiving, uploading, downloading, using, or reusing any material that does not comply with the Conditions of Use and User Submissions and Site Content Standards.
- Impersonate or attempt to impersonate IAA, an IAA employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing).
- Transmit, or procure the sending of, any advertisements or promotions without our prior written consent, sales, or encourage any other commercial activities, including, without limitation, any "spam", "junk mail", "chain letter", contests, sweepstakes and other sales promotions, barter, or advertising or any other similar solicitation.
- Encourage any other conduct that restricts or inhibits anyone's use or enjoyment of the Websites, or which, as determined by us, may harm IAA or users of the Websites or expose them to liability.
- Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, or alarm any other person.
- Promote any illegal activity, or advocate, promote, or assist any unlawful act.
- Give the impression that they originate from or are endorsed by us or any other person or entity, if this is not the case.
- Submissions should facilitate constructive discussion regarding the actuarial profession and not to air or seek resolution of personal disputes with the IAA, with other members, or with other companies or organizations
9. SITE MONITORING AND ENFORCEMENT, SUSPENSION, AND TERMINATION
IAA reserves the right to monitor and administer the Websites and IAA Social Media Accounts. The IAA also reserves the right to disallow the use of any particular screen name or email address, or to terminate any User’s posting privileges at any time, including individual and group postings.IAA has the right, without provision of notice to:
- Remove or refuse to post on the Websites and/or IAA Social Media Accounts any User Submissions for any or no reason in our sole discretion.
- At all times, take such actions with respect to any User Submission deemed necessary or appropriate in our sole discretion, including, without limitation, for violating these Terms.
- Take appropriate legal action, including, without limitation, referral to law enforcement or regulatory authority, or notifying the harmed party of any illegal or unauthorized use of the Websites. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Websites.
- Terminate or suspend your access to all or part of the Websites for any or no reason, including, without limitation, any violation of these Terms.YOU WAIVE AND HOLD HARMLESS IAA AND ITS MEMBER, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, FROM ANY AND ALL CLAIMS RESULTING FROM ANY ACTION TAKEN BY IAA RELATING TO ANY, INVESTIGATIONS BY EITHER IAA OR BY LAW ENFORCEMENT AUTHORITIES.We have no obligation, nor any responsibility to any party to monitor the Websites or its use, and do not and cannot undertake to review material that you or other users submit to the Websites. We cannot ensure prompt removal of objectionable material after it has been posted and we have no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party, subject to applicable laws.
10. NO RELIANCE
The content on our Websites is provided for general information purposes only. It is not intended to amount to advice on which you should rely. You must obtain more specific or professional advice before taking, or refraining from, any action or inaction on the basis of the content on our site.Although we make reasonable efforts to update the information on our Websites, we make no representations, warranties, or guarantees, whether express or implied, that the content on our Websites is accurate, complete, or up to date. Your use of the Websites is at your own risk and IAA, and its respective directors, officers, employees, agents, service providers, contractors, licensors, licensees, suppliers, or successors have any responsibility or liability whatsoever for your use of our Websites.
11. PRIVACY
By submitting your personal information and using our Websites, you consent to the collection, use, reproduction, hosting, transmission, and disclosure of any such user content submissions in compliance with our Privacy Policy, as we deem necessary for use of the Websites.By using our Websites you are consenting to the use of cookies which allow a server to recall previous requests or registration and/or IP addresses to analyze website use patterns. You can set your browser to notify you before you receive a cookie, giving you the chance to decide whether to accept it. You can also set your browser to turn off cookies. If you do, however, some areas of the Websites may not function adequately. For more information on this automated information gathering practices, see our Privacy Policy.
12. DISCLAIMERS
USE OF THE WEBSITES IS AT USER’S RISK. THE INFORMATION, MATERIALS AND SERVICES PROVIDED ON OR THROUGH THE WEBSITES ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES OF ANY KIND INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY. THE IAA DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION, MATERIALS OR SERVICES PROVIDED ON OR THROUGH THE WEBSITES. THE FOREGOING EXCLUSIONS OF IMPLIED WARRANTIES DO NOT APPLY TO THE EXTENT PROHIBITED BY LAW.
Moreover, IAA makes no warranty that its Websites, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. We assume no responsibility nor liability for any damages to, or any viruses that may infect, your computer, telecommunication equipment, or other property caused by or arising from your access to, use of, or browsing the Websites, or your downloading of any information or materials from the Websites. THE IAA, ITS DIRECTORS, EMPLOYEES AND OFFICERS EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY USER’S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THE WEBSITES OR THE INFORMATION PRESENTED ON THE WEBSITES.
13. GOVERNING LAW
The Websites and these Terms shall be governed by the laws of the Province of Ontario. By visiting and using the Websites, User consents to the jurisdiction of Ontario courts and User agrees to accept service of process by mail. User hereby waives any and all jurisdictional and venue defenses that might otherwise be available.
Last revised: April 15, 2025.