Terms & Conditions

This page addresses Security Director's Report (SDR) website member/subscriber agreement and Terms and Conditions of Use plus the Rules of Etiquette that apply to any form of participation with SDR—online activities, attendance at meetings and events, and communications and interactions with SDR participants (members, subscribers, service providers and visitors).

Your Responsibility

By participating in the SDR community, such as using the content and/or services found on this website (the "Service" or "Services"), attending SDR meetings and events, and interacting with other SDR participants, you accept all terms, conditions and notices contained or referenced within this page, including the Privacy Policy and the Rules of Etiquette that are incorporated herein by reference and made a part of these Terms and Conditions of Use.

If you do not agree to these Terms of Use, you may not use this website or participate in SDR activities. We reserve the right, at our discretion, to update or revise these Terms and Conditions of Use. Your continued use of the Services found on http://www.sdrmonthly.com (the "Site") following the posting of any changes to the Terms and Conditions of Use or Privacy Policy constitutes acceptance of those changes.

Your right to use the Site is subject to your agreement to abide by this User Agreement in its entirety, as well as any other rules, procedures, policies, terms or conditions that govern all or any portion of the Site. At any time and for any reason, SDR may revoke your right to use all or any portion of the Site. You may not violate or attempt to violate the security of the Site. The Site is protected by one or more copyrights, patents, database rights, trademarks, service marks and/or other intellectual property rights.

  1. Changes to Subscriber Agreement. We may change the terms of this Agreement at any time by notifying you of the change in writing or electronically (including without limitation, by email or by posting a notice on the Service that the terms have been "updated"). The changes also will appear in this document, which you can access at any time by going to the Help section of a Service. You signify that you agree to be bound by such changes by using a Service after changes are made to this Agreement.
  2. Privacy and Your Account. Registration data and other information about you are subject to our Privacy Policy.
  3. Fees and Payments. You agree to pay the membership/subscription fees and any other charges incurred in connection with your account information for a Service (including any applicable taxes) at the rates in effect when the charges were incurred.
  4. Rules of Etiquette As a participant within the SDR community—as a member, subscriber, service provider and/or visitor—SDR expects the highest levels of ethical and professional behavior at all times.

Use of Online Tools

The following rules help ensure that use of SDR Services is constructive and not harmful.

  • Do not criticize, harass, abuse or threaten other members, individuals or organizations.
  • Remember that this website is part "public" for all visitors as well as “public” for members: do not initiate communications that should be private.
  • Do not post commercial messages or use online tools as a method for soliciting or endorsing products, services or industry providers (except where such approaches are explictly allowed by the SDR).
  • Use caution, as posted comments are subject to libel, slander and antitrust laws; for example, do not discuss pricing, contract terms or the pros/cons of particular providers and/or providers' products and services.

In addition, consider the format and style of your communications; reminders include:

  • Be clear in your online communications to reduce the risk of misinterpretation.
  • Be concise and to the point for optimal exchanges with other participants. 
  • Avoid use of all caps, which is considered shouting; use a mix of upper and lowercase.

Attendance at Meetings and Events 

The following rules help ensure that meetings and events are a productive, positive experience.

  • Unless otherwise communicated, the dress code for SDR meetings and events is "business casual"; however, participants are also welcome to wear formal business attire. 
  • Do not criticize, harass, abuse or threaten other participants.
  • Be respectful and courteous of your fellow participants; this includes minimizing distractions, such as cell phone use, side conversations during presentations, late arrivals and early departures, etc.
  • Like online tools, meetings and events are "public" forums; do not discuss pricing, contract terms or the pros/cons of particular providers and/or providers' products and services (unless there is a venue explicitly designated for these types of discussions).
  • Do not use meetings and events to solicit or endorse particular products, services or industry providers except for venues designated for this purpose (e.g., exhibit hall at SDR Conferences and sponsored webinars).
  • Abide by any additional rules in effect for a particular event.

Other Communications/Interactions with SDR Participants

When interacting with fellow participants outside of the SDR community, such as networking that originated through use of SDR Services, continue to uphold the Rules of Etiquette, exhibiting ethical and professional behavior at all times. It is SDR's intent to foster and support constructive networking; SDR should not be used as a conduit for outside interactions that annoy, offend or harm another SDR participant.  

Report an Issue

To report behavior that you feel violates SDR Terms and Conditions of Use, please contact us.

Security/Account Information 

You are solely responsible for maintaining the confidentiality of your membership account information and/or user name and password. You are the only person authorized to use your account information, including any benefits that result from such usage. SDR may terminate your use of this Site should it discover misuse (e.g., sharing) of your account inofmration. You agree to immediately notify SDR in writing of any unauthorized use of your account information. 

Third Party Content and Linking

SDR may contain links to other websites. These links are solely provided for your convenience and any such links do not imply SDR endorsement, nor is SDR responsible for the content of the website and the information they may collect from you when visiting the site.

You agree not to use any robot, spider, other automatic device, or process to monitor or copy our Site contents. You agree not to use any device or routine to interfere or attempt to interfere with the proper operation of the Site.

Enforcement and Termination

Without limiting any other remedies, SDR may suspend or terminate your membership or access to Services if we believe you have engaged in fraudulent, manipulative, or interfering activity in connection with our Site or Services or have otherwise violated the provisions of these terms and conditions. You agree that SDR may modify, suspend, or permanently discontinue the Site, Services, your membership or subscription, or any features of the foregoing at any time without notice or liability to you. 

Removal of Material

SDR reserves the right not to post content and/or to remove content which SDR believes in its sole discretion violates any of its Rules of Etiquette or Terms of Use, or constitutes a use of a website tool for any purpose other than for which it was intended, or threatens SDR with criminal or civil liability. 

Downloadable Mobile Products

If you have downloaded a mobile application to access a Service, you may have access without charge for a limited time to certain subscriber-only content and some or all of the "Fees and Payments" and "Renewal" terms will not apply to you during such time. To the extent not inconsistent with this Agreement, the applicable End User License Agreement for the mobile service through which you downloaded the mobile application may apply.

General Restrictions

You shall not 1) manipulate the content of the Site; 2) place any information on the Site which may infringe the proprietary rights of any third party; 3) place any untrue, disparaging or other misleading information regarding SDR or any other third party; 4) provide false or misleading information during the registration process or during your use of the Site.

You may not copy, reproduce, upload, post, or transmit in any way the following: 1) any information or data that you do not have all necessary rights and licenses to, including but not limited to any copyright, trademark, patent, rights of privacy or publicity; 2) any information that may potentially be perceived as being harmful, threatening, or otherwise objectionable in any manner.

Additionally, you warrant that during your use of SDR Site and Services, you shall not: 1) violate any applicable local, state, national or international law, statute, ordinance, rule or regulation including but not limited to all laws pertaining to antitrust regulations, libel, sales, and marketing; 2) make any misrepresentation as to your identity, affiliation or employment; 3) interfere with or disrupt the use of the Site or Services by SDR or any other user of the Site or Services; 4) upload, post, transmit, or distribute any unsolicited advertising, solicitations, or communications; 5) use the Site or the Services to gain unauthorized entry or access to the computers of others.

Age Restrictions

You must be 18 years or older to use this Site. Our services also are not available to temporarily or indefinitely suspended users. If you do not qualify, please do not use our Services.
 

SDR Trademarks, Copyrights and Restrictions 

The SDR logo is a trademark of Loss Prevention Magazine, Inc. Everything you see in this Site is Copyright 2015, Loss Prevention Magazine, Inc., All Rights Reserved, unless otherwise specified. All other product names and company logos found on the Site are the trademarks of their respective owners. 

All materials on this Site, including, but not limited to, images, illustrations, newsletters, and text (the "Materials") and the software comprising or utilized in operating the Site (the "Software") are protected by copyrights which are owned or licensed by Loss Prevention Magazine, Inc. You may not reproduce, perform, create derivative works from, republish, upload, post, transmit, or distribute in any way whatsoever any Materials from SDR without the prior written permission of Loss Prevention Maazine, Inc. However, you may download or make one copy of the Materials, and other downloadable items displayed on the Site, for personal, non-commercial use only, provided all copyright and other notices contained in the Materials are left intact. Any modification of the Materials, or any portion thereof, or use of the Materials for any other purpose constitutes an infringement of Loss Prevention Magazine, Inc.'s copyrights and other proprietary rights. Use of these Materials on any other website or other networked computer environment without prior written permission from Loss Prevention Magazine, Inc. is prohibited.

Except as expressly authorized by IOFM, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Material, the Service or the Software, in whole or in part. IOFM grants you a personal, non-transferable and non-exclusive right and license to use the object code of its Software on a single computer; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Materials, or Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Service. You agree not to access the Service by any means other than through the interface that is provided by IOFM for use in accessing the Service.
 

Systems/Site Performance

IOFM does not and cannot control the flow of data to or from IOFM's network and other portions of the Internet. Such flow depends in large part on the performance of Internet services provided or controlled by third parties. At times, actions or inactions of such third parties can impair or disrupt your connections to the Internet. Although IOFM will use commercially reasonable efforts to take all actions it deems appropriate to remedy and avoid such events, IOFM cannot guarantee that such events will not occur. Accordingly, IOFM disclaims any and all liability resulting from or related to such events. 
 

User's Grant of Limited License

By submitting content to this Site, including submissions through e-mail, blogs and chatrooms, or to IOFM, you: 1) grant IOFM and its licensees the right to use, reproduce, display, adapt, modify, and distribute the content in any form, anywhere and for any purpose; and 2) warrant and represent that you own or otherwise control all of the rights to the content and that public posting and use of your content by IOFM will not infringe or violate the rights of any third party.

Limitations on Use

     a.     Only one individual may access a Service at the same time using the same user name or password, unless we agree otherwise.

     b.     The text, graphics, images, video, metadata, design, organization, compilation, look and feel, advertising and all other protectable intellectual property (the "Content") available through the web site are our property or the property of our advertisers and licensors and are protected by copyright and other intellectual property laws. Unless you have our written consent, you may not sell, publish, distribute, retransmit or otherwise provide access to the Content received through the Services to anyone, including, if applicable, your fellow students or employees, with the following exceptions:

             (i)      You may occasionally distribute a copy of an article, or a portion of an article, from a web site service to a few individuals without charge, provided you include all copyright and other proprietary rights notices in the same form in which the notices appear in the Service, original source attribution, and the phrase "Used with permission from The Wall Street Journal Online" or "Used with permission from Barron's Online", as appropriate. Please consult the IOFM for Reprints if you need to distribute an article to a larger number of individuals, on a regular basis or in any other manner not expressly permitted by this Agreement.

            (ii)     While you may download, store and create an archive of articles from the web site service for your personal use, you may not otherwise provide access to such an archive to more than a few individuals on an occasional basis. The foregoing does not apply to any sharing functionality we provide through the web site that expressly allows you to share articles or links to articles with others.

     c.     You agree not to rearrange or modify the Content. You agree not to create abstracts from, scrape or display our content for use on another web site or service. You agree not to post any content from the web site services to weblogs, newsgroups, mail lists or electronic bulletin boards, without our written consent.

     d.     You agree not to use the Services for any unlawful purpose. We reserve the right to terminate or restrict your access to a web site service if, in our opinion, your use of the web site service may violate any laws, regulations or rulings, infringe upon another person's rights or violate the terms of this Agreement. Also, we may refuse to grant you an account  name that impersonates someone else, is protected by trademark or other proprietary right law, or is vulgar or otherwise offensive.

Disclaimer

The opinions and information posted on the Site by participants are those of the originator only. Neither the IOFM nor any of the IOFM member institutions accept responsibility for these messages. None of the opinions expressed by the membership should be considered legal advice or counsel.

Limitation of Liability

You acknowledge that IOFM has provided this Site and Services to you in reliance upon the limitations of liability and the disclaimers of warranties and damages set forth herein, and that this limitations and disclaimers form an essential basis of the bargain between us.

THIS SITE AND ALL INFORMATION, ARTICLES, NEWSLETTERS, LINKS TO OTHER WEB SITES, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE "CONTENT") ARE PROVIDED "AS IS" FOR YOUR PERSONAL USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. IOFM, ITS SUBSIDIARIES, AND ITS LICENSORS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ALL TIMES; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. 

IN NO EVENT SHALL IOFM OR OUR SUPPLIERS BE LIABLE FOR ANY SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE CONTENT, INCLUDING, BUT NOT LIMITED TO, LOST REVENUE, LOST PROFITS, REPLACEMENT GOODS, LOSS OF TECHNOLOGY, RIGHTS OR SERVICES, LOSS OF DATA, OR INTERRUPTION OR LOSS OF USE OF THE CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER ARISING UNDER THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE. LIABILITY, AND THE LIABILITY OF OUR SUPPLIERS, TO YOU OR ANY THIRD PARTY IN ANY CIRCUMSTANCE IS LIMITED TO THE AMOUNT PAID TO IOFM FOR YOUR MEMBERSHIP. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE §1542, WHICH SAYS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. 
 

Indemnification

You agree to indemnify and hold harmless IOFM, its affiliates, suppliers and subsidiaries, and their respective directors, officers, employees, agents, shareholders, co-branders, partners, successors and assigns (the "Indemnified Parties"), from and against any claim, damage, loss, liabilities, judgments, and expenses related thereto (including, without limitation, reasonable attorney's fees) incurred by any of the Indemnified Parties arising from or related to: 1) the use of the Services or Site by you, and 2) any breach or violation of this Terms of Use by you, and 3) any breach of any of representations, warranties and covenants made by you.

Disclosures

Institute of Finance and Management is a forum to guide, educate, and support the various focus areas on this Site. Consumers are not charged for the use of this site, other than the cost for membership to IOFM, which they may choose to purchase.

E-mail IOFM at email@iofmcustomerservice.com with questions regarding our memberships, this Site or our Services, or go to Contact Us at email@iofmcustomerservice.com
 

Information Accuracy

IOFM extensively reviews all the information presented on the Site. However, we cannot be responsible or liable for typographical errors or technical inaccuracies.
 

Applicable Law

The laws applicable to this Terms and Conditions of Use shall be the laws of the State of Connecticut, USA, without regard to its conflict of laws principles. If any part of this Terms and Conditions of Use and documents specifically included in this Terms and Conditions of Use is considered invalid or unenforceable, such provision shall be struck and all remaining provisions shall be enforced.

General

This Agreement contains the final and entire agreement between us regarding your use of the web site services and supersedes all previous and contemporaneous oral or written agreements regarding your use of the services. We may discontinue or change the services, or their availability to you, at any time. This Agreement is personal to you, which means that you may not assign your rights or obligations under this Agreement to anyone. No third party is a beneficiary of this Agreement. You agree that this Agreement, as well as any and all claims arising from this Agreement will be governed by and construed in accordance with the laws of the State of Connecticut, United States of America.