Terms of Use

The following are the terms of an agreement (“Terms of Use”) between you (the “User”) and the Financial Health Network Inc. By accessing the Financial Health Network’s family of websites located at www.finhealthnetwork.org (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 Members of the Financial Health Network.
  • Attendees of our events or conferences subject to our Terms of Attendance.
  • Individuals and organizations who are interested in learning more about the Financial Health Network 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 the Financial Health Network’s research data should be sent to info@finhealthnetwork.org.

Use of Our Sites
The Financial Health Network 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 the Financial Health Network, 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 the Financial Health Network’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 the Financial Health Network. You must also provide proper attribution to the Financial Health Network 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 the Financial Health Network. If you wish to use any Content for any commercial purpose or any purpose not permitted by this Agreement, please contact us at info@finhealthnetwork.org.

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

  • have sole responsibility for the accuracy, quality, integrity, legality, reliability, and appropriateness of all Personal Information.
    update your account and Personal Information as necessary to ensure that it is accurate and complete.
  • refrain from misrepresenting your identity or any other information disclosed during the registration and subscription processes, impersonating another person or entity, or misrepresenting your affiliation with another person or entity, which can all result in termination of your ability to use our Sites.
    prevent unauthorized access to, or use of the Sites using your account or profile and notify the Financial Health Network of any such unauthorized access or use, this includes keeping your username and password in a safe location.
  • refrain from violating or encouraging others to violate, infringe or misappropriate any right of or obligation to a third party, including any intellectual property, proprietary, confidentiality, or privacy rights.

You understand and acknowledge that:

  • You must not use our Sites or any Content provided on our Sites to collect information about other users of the Sites or for the transmission of advertising or promotional materials, including junk mail, spam, or any other form of unsolicited or unwelcome solicitation.
  • You must not use our Sites in any manner that could disable, overburden, damage, disrupt, or impair the Sites, or interfere with any other party’s use and enjoyment of our Sites, including by uploading or otherwise disseminating any virus, adware, spyware, worm or other malicious code, or interfering with or disrupting any network, equipment, or server connected to or used to provide access to our sites, or violating any regulation, policy, or procedure of any network, equipment, or server.
  • You must not post or transmit content or information on or through our Sites that is harmful, offensive, obscene, abusive, invasive of privacy, defamatory, hateful or otherwise discriminatory, false or misleading, or incites an illegal act.
  • You must not use or attempt to use another’s account or personal information.
  • You must not attempt to gain unauthorized access to our Sites, or the computer systems or networks connected to our Sites, through hacking, password mining or any other means.
  • You must not systematically extract data contained in the Sites to populate databases for internal or external use.
    Intellectual Property Rights
  • You acknowledge that ownership of all right, title and interest to the Financial Health Network intellectual property, which shall include without limitation, all trademarks and copyright, including, in all Content, research, reports, and resources, and the components and source code of our Sites and any features, shall remain vested solely in the Financial Health Network. You further acknowledge that ownership of any improvements to our Sites or any new programs, upgrades, modifications or enhancements, even when such refinements result from your submission, feedback, or request, are and shall remain vested solely in the Financial Health Network.

The Financial Health Network respects the intellectual property and proprietary rights of others and we ask you do the same. You should assume that all text, designs, graphics and images that you find on our Sites are subject to copyright, trademark, or other intellectual or proprietary rights. You authorize the Financial Health Network to cooperate with intellectual property owners who claim that you have infringed or may infringe on their proprietary rights. This cooperation includes, but is not limited to, disclosing your Personal Information and alleged infringing material to the intellectual property owner or its agent and destroying all alleged infringing material.

Unless otherwise specified, the Content on our Sites is © 2020, the Financial Health Network. All rights reserved. Removing or altering this copyright notice on any Content on the Sites is prohibited.

The following trademarks: FINANCIAL HEALTH NETWORK, THE FINANCIAL INNOVATIONS CENTER, INC., THE CENTER FOR FINANCIAL SERVICES INNOVATION, INC., THE CENTER FOR FINANCIAL SERVICES INNOVATION, CFSI, EMERGE CONSUMER FINANCIAL HEALTH FORUM, EMERGE FINANCIAL HEALTH FORUM, EMERGE LIVE, COMPASS PRINCIPLES, FINHEALTHMATTERS, and all other names, logos, and icons identifying the Financial Health Network or its products and services are proprietary trademarks of the Financial Health Network. User use of the Financial Health Network trademarks is not permitted without obtaining permission by contacting us at info@finhealthnetwork.org. Other product and company names mentioned in the Sites may be the trademarks of their respective owners.

Third Party Websites
The Sites may provide links or references to third party websites, resources and content not related to the Financial Health Network. the Financial Health Network makes no representations, warranties, or other commitments or endorsements whatsoever about any third party websites or resources that may be referenced, accessible from, or linked to our Sites. In addition, the Financial Health Network is not a party to or responsible for any transactions you may enter into with third parties, even if you learn of such parties from our Sites. It is up to you to take precautions to protect yourself from viruses, worms, and other potentially destructive programs, and to protect your Personal Information.

Assumption of Risk
You use the Internet solely at your own risk and subject to all applicable local, state, national, and international laws and regulations. While the Financial Health Network has endeavored to create secure and reliable Sites, please be advised that the confidentiality of any communication or material transmitted to or from our Sites over the Internet cannot be guaranteed. Accordingly, the Financial Health Network is not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on the Sites, or for the consequences of any reliance on such information.


In no event will the Financial Health Network, its officers, directors, employees or agents be liable to you for any direct, indirect, incidental, consequential, special, exemplary or punitive damages of any type whatsoever related to or arising out of this agreement, any use of our Sites or any site or resource linked to, referenced, or accessed through our Sites, or for the use or downloading of, or access to, any Content, even if the Financial Health Network is expressly advised of the possibility of such damages. This exclusion and waiver of liability applies to all causes of action, whether based on contract, warranty, tort, or any other legal theories.

To the extent not prohibited by law, you agree to indemnify and hold harmless the Financial Health Network, its affiliates, and all of their officers, directors, employees, legal representatives, agents, successors and assigns, from and against any claims, loses, damages, liabilities, costs and expenses (including reasonable attorneys’ and professionals’ fees and court costs) arising out of any third party claims based on or related to your use or misuse of the Sites, the Content, or any breach by you of these Terms of Use. You agree to cooperate as fully as reasonably required in the Financial Health Network’s defense of any claim. The Financial Health Network reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of the Financial Health Network.

The Financial Health Network’s confidential information (“Confidential Information”) includes, without limitation, all materials, resources, reports, Content, research, pricing, membership lists, databases, studies, and documentation relating to or available on our Sites.

You acknowledge that any unauthorized use or disclosure of this Confidential Information will cause irreparable damage to the Financial Health Network. You also acknowledge that the Financial Health Network may suspend or terminate any and all rights granted to you under these Terms of Use and shall be entitled to injunctive relief in addition to all legal or equitable relief that may be available to it if you wrongfully disclose Confidential Information.

The Financial Health Network does not want to receive confidential or proprietary information from you through our Sites. Please note that any information or material sent to the Financial Health Network will be deemed not to be confidential. By sending the Financial Health Network any information or material, you grant the Financial Health Network an unrestricted, irrevocable license to copy, reproduce, publish, upload, post, transmit, distribute, publicly display, perform, modify, create derivative works from, and otherwise freely use, those materials or information.

Governing Law
This policy shall be governed by the laws of the State of Illinois, without regard to conflicts of law rules, and the exclusive jurisdiction and venue for any dispute shall be in Cook County, Illinois. The Sites are controlled and operated by the Financial Health Network from its offices within the United States. the Financial Health Network makes no representation that Content on the Sites is appropriate or available for use in other locations or jurisdictions. Those who choose to access the Site from other locations or jurisdictions do so of their own volition and are responsible for compliance with applicable local and international laws. By using our Sites, you agree that any Personal Information which you provide will be treated in accordance with the laws of the United States.

Term and Termination
The Financial Health Network, in its sole discretion and without notice to you, may terminate our Sites, your access to our Sites, any feature of our Sites, or your use of any feature or Content posted on our Sites. The Financial Health Network will not be liable to you or any third party for any suspension or termination of your access to our Sites or its Content.

These Terms of Use in combination with the Financial Health Network’s Privacy Policy and Terms of Attendance (to the extent applicable) represent the entire agreement between you and the Financial Health Network with respect to your use of the Sites and the Content, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and the Financial Health Network with respect to the Sites. Any rights not expressly granted herein are reserved. The failure to require performance of any provision of these Terms of Use shall not affect a party’s right to require performance at any time thereafter, nor shall a waiver of any breach or default of these Terms of Use constitute a waiver of any subsequent breach or default. If any provision herein is held unenforceable, then such provision will be modified to reflect the parties’ intention, and the remaining provisions of these Terms of Use will remain in full force and effect. No agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship is intended or created by these Terms of Use.

Contact Us
Questions, comments and requests regarding these Terms of Use are welcomed and should be addressed to info@finhealthnetwork.org or mailed to the following address:

Financial Health Network
135 S. LaSalle Street
Suite 2125
Chicago, IL 60603
Telephone: 312.881.5856