TERMS OF PARTICIPATION

As a participant at an EMERGE Live digital event (the “Event”) or user of the EMERGE Digital online Platform (the “Platform”), including the EMERGE . . . Everywhere podcast series, in each case hosted by the Financial Health Network, you (“Participant”) agree to these terms and conditions (the “Terms of Participation”) and our Privacy Policy and Terms of Use (the Terms of Participation, the Privacy Policy, and the Terms of Use together, the “Agreements”).  If you are completing Event or Platform registration on behalf of another individual, you warrant that you have delivered to the Participant copies of the Agreements and that he or she has reviewed and accepted the terms thereof.

We reserve the right to change these Terms of Participation and any other information contained on Financial Health Network’s website, the Platform, or any website specifically developed for the Event or the Platform (the “Sites”) at any time. Your continued use of our Sites and use of the Platform after such changes constitutes your acceptance of and agreement to these changes.

In addition to these Terms of Participation, please also review our Privacy Policy and Terms of Use, available on our website and incorporated herein by reference.

Access
Your registration entitles you to access to the Platform and to digital participation in only those specified Events for which you have registered.  Your log-in username, password, and other registration information cannot be shared, transferred or reissued to a different person.

E-mail Communications
By registering for our Events or the Platform, you grant Financial Health Network the right to contact you using the email and mailing address that you provided during your registration.  Once you have completed your Participant registration, you will receive your registration confirmation by email.  Financial Health Network will relay essential Event and/or Platform information to you electronically.  Financial Health Network will also contact you about other events or programs in which you might be interested and will also add you to our mailing list to receive our newsletters and other communications regarding our services and events.  You may opt out of receiving any newsletters, updates, or emails from us by clicking “unsubscribe” at the bottom of each email and following the subsequent instructions. Further, by registering for our Events, you also consent to your contact information being shared with third parties directly involved in or supporting the Events.

Use of Likeness
By using the Platform and/or participating in an Event, you grant Financial Health Network the right, and acknowledge that Financial Health Network may grant to third parties the right to create, record, produce, use, reproduce, modify, distribute, publish, perform, display, republish, create derivative works of, download, store, and transmit images and recordings in which your name, identity, biographical information, voice, likeness, photograph, image and persona, and any statement or comment made on the Platform of which you are an author, whether or not written or otherwise recorded, or portion thereof (collectively, the “Materials”), appears or is captured, in whole or in part, in any form or media, whether now known or hereafter developed, including without limitation print media, any and all forms of social media, and internet broadcast and display, at its sole discretion, without restriction as to changes or alterations.  You understand that the Materials may be modified or edited before use or may not be used at all.

You authorize Financial Health Network to use your name, picture, and excerpts from the Materials for promotional purposes consistent with our Events.  You hereby forever release and agree to hold harmless Financial Health Network from and against any and all claims arising from the use of the Materials as described in these Terms of Participation.  You waive all rights to royalties or any other compensation for the use of the Material by Financial Health Network and understand that Financial Health Network will have sole authority over use of the Materials without seeking further approval from you or providing you with compensation.

Platform Content
Financial Health Network, in its sole discretion, reserves the right to change any and all aspects of any Event or otherwise included on the Platform, including but not limited to, the names, themes, content, program, speakers, moderators, schedules, and format of any Event, video, audio recording, or article, at any time.

Prohibited Conduct
By registering for the Platform or any Event, you agree not to share, transfer, sell, or trade your username and password.  Should you violate this policy, Financial Health Network may cancel your Participant registration without refund of registration fees.

Fees
Participation and use fees are subject to Financial Health Network’s cancellation policy.  Fee adjustments and discounts cannot be retroactively applied.  All applicable participation and use fees are due at the time of registration.  Participant fees may be subject to sales tax, value added tax, or other taxes and duties, which, if applicable, will be charged to you in addition to participation and use fees at the time of registration.  All determinations of applicability of special rates or discounts is in the sole discretion of Financial Health Network .

Intellectual Property
All intellectual property rights in and to the Platform, all Events, the Platform and Event content, and all materials distributed on the Platform or in connection with the Platform or any Event are owned by Financial Health Network or the sponsors or speakers presenting such content.  You may not, and may not allow anyone else to, use or reproduce any trademarks or other trade names appearing on the Platform, in any Platform content or in any materials distributed at or in connection with the Platform or any Event, or use, reproduce, modify, distribute, publish, perform, display, republish, create derivative works of, download, store, or transmit any of the Platform or Event material or content for any reason without the prior written permission of Financial Health Network or the applicable sponsors or speakers.  You may not record audio or video of any Platform or Event content, without prior written consent.

Limitation of Liability
To the fullest extent permitted by applicable law, in no event will 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 or from the Platform, any Event, or these Terms of Participation, even if 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.

Disclaimer of Warranties
FINANCIAL HEALTH NETWORK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. TO THE FULLEST EXTENT PERMITTED BY LAW, ALL EVENTS, CONTENT, MATERIALS, INFORMATION, PRODUCTS, PROGRAMS, AND SERVICES OFFERED IN CONNECTION WITH THE PLATFORM OR ANY EVENT ARE PROVIDED “AS IS,” WITH NO WARRANTIES OR GUARANTEES WHATSOEVER.

Acknowledgement and Release
Participants acknowledge that these Terms of Participation will be relied upon by the event holders, content creators, sponsors, and organizers of the Platform and the Events, and that it will govern his/her actions and responsibilities on the Platform and at said Events. 

In consideration for Financial Health Network’s approving the application and permitting Attendee to use the Platform and to participate in any applicable Event, he/she hereby for himself/herself, and his/her executors, administrators, heirs, next of kin, successors, and assigns:

(A) WAIVE, RELEASE, AND DISCHARGE the following named entities and individuals from any and all liability (including for attorney fees and costs) for but not limited to liability arising from the negligence or fault of the entities or persons released, for his/her death, disability, personal injury, property damage, property theft, or actions, damages, or injuries of any kind which may hereafter occur to him/her during participation in this activity: Financial Health Network and/or its directors, officers, employees, volunteers, representatives, and agents, and the activity holders, sponsors, and volunteers; and

(B) INDEMNIFY, HOLD HARMLESS, AND PROMISE NOT TO SUE the entities or persons mentioned in (A) above for any liabilities or claims made which relate in any way to use of the Platform and/or participation in any Event, whether or not caused by the negligence of the released individuals or entities.

Attendee acknowledges that Financial Health Network and its directors, officers, employees, volunteers, representatives, and agents are NOT responsible for any errors, omissions, acts, or failure to act of any party or entity conducting a specific activity or presenting any content on behalf of Financial Health Network.

Disclosure of Sensitive Information Required by Activities
Participant understands that some participation in or access to some Platform activities and content may involve a request for sensitive information including, but not limited to, Participant’s social security number, date of birth, address, and phone number.  Participants acknowledge that there is an inherent risk in supplying such information and that his/her compliance with these requests is entirely voluntary.

Miscellaneous
These Terms of Participation and the other Agreements represent the entire agreement between you and Financial Health Network with respect to your use of the Platform and participation in any applicable Event, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and Financial Health Network with respect to the Platform and/or Event.  Any rights not expressly granted herein are reserved.  The failure to require performance of any provision of these Terms of Participation shall not affect Financial Health Network’s right to require performance at any time thereafter, nor shall a waiver of any breach or default of these Terms of Participation constitute a waiver of any prior or subsequent breach or default.  If any provision of these Terms of Participation is held unenforceable, then such provision will be modified to reflect the parties’ intention, and the remaining provisions of these Terms of Participation 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 Participation.

Governing Law
These Terms of Participation 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.

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

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

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