Terms of Participation

As a participant at a Financial Health Network (including but not limited to EMERGE) virtual event or live (in-person) event (the “Event”), you (“Participant”) agree to these terms and conditions (the “Terms of Participation”), to our Privacy Policy, and to our Terms of Use (these Terms of Participation, the Privacy Policy, and the Terms of Use, together, are the “Agreements”).  If you are completing Event registration or creating an account of profile 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 “Site”) at any time, and the revision date above provides you with notice of when  the Policy has been updated. Your continued use of our Site or attendance at an Event after such changes constitutes your acceptance of and agreement to these changes. If you do not agree to these terms, please do not use our Site or create a profile.

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 and Admission
Your registration entitles you to access to virtual or in-person participation in only those specified Events for which you have registered.  Paid registration may be transferred to another person at any time prior to check-in for the Event. However, your login username, password, and other registration information cannot be shared, transferred or reissued to a different person.

For in-person Events, your registration entitles admission to the Event for you only. All other costs associated with your attendance (e.g., travel and accommodation expenses) shall be borne by you as the Attendee. You may be asked to present a form of photo identification at the time of check-in to receive your Attendee badge. Once you receive your badge at the Event, it cannot be changed, substituted, or reissued to a different person. Attendee badges must be worn at all times in Event areas to identify you as an Event Attendee. As a condition of admission, attendees of in-person Events also must comply with all on-site policies and procedures.

Americans with Disabilities Act
If you require accommodations under the Americans with Disabilities Act to attend an Event, please contact us at events@finhealthnetwork.org no less than ten (10) days prior to the start of the Event.

E-mail Communications
By registering for our Events, you grant Financial Health Network the right to contact you using the name, 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 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 update your preferences in your account or 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 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 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 overuse of the Materials without seeking further approval from you or providing you with compensation.

Financial Health Network, in its sole discretion, reserves the right to change any and all aspects of any Event or information otherwise, 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. 

Username and Password
By registering for 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.

Prohibited Conduct Policy
Financial Health Network is committed to providing a safe and welcoming environment for all who participate in an Event, whether virtual, or in-person. Financial Health Network prohibits and will not tolerate any form of harassment, bullying, or discrimination. Together, we can ensure that Events support free expression and exchange of ideas in environments that are positive and productive for all.

The following behaviors are expected and requested of all Event participants:

    • Behaving in a courteous and professional manner
    • Being considerate, respectful, and collaborative in your communication and actions
    • Discussing differences and critiquing ideas in a non-confrontational manner
    • Reporting suspected inappropriate behaviors directed at yourself or others
    • Respecting the rules, policies, and property of Financial Health Network and its contracted Event facilities and vendors
    • Complying with all applicable laws and regulations

Prohibited conduct includes but are not limited to the following:

    • Harassment, including unwelcome or offensive verbal, visual, or physical contact directed at any person at an Event (whether or not a participant), including conduct, comments, or images that a person would reasonably find offensive, demeaning, or hostile
    • Sexual harassment, including unwelcome, unsolicited, and unreciprocated sexual advances, requests for sexual favors, and other verbal or physical conduct or gesture of a sexual nature that has or that might reasonably be expected or be perceived to offend, humiliate, or intimidate another person
    • Discriminatory conduct based on race, sex, sexual orientation, gender expression or identity, transgender status, age, national origin, disability, religion, marital status, veteran status, political affinity, or any other characteristic protected by law
    • Deliberate intimidation, threatening, stalking, or following
    • Invasion of privacy
    • Exhibiting behavior that is unruly or disruptive, or that endangers the health or safety of yourself or others
    • Actual or threatened physical force whatsoever against any person
    • Possession of a weapon, or use of any item in a way that may cause danger to others
    • Destruction, theft, abuse, or intentional misuse of Financial Health Network or an Event contracted venue’s or service provider’s property, equipment, or supplies
    • Failure to comply with directions of Event staff or venue or service provider personnel regarding Event operations or emergency response procedures
    • Retaliation against participants for reporting activity that he or she reasonably believed to be in violation of this policy
    • Knowingly and falsely reporting violations of this policy in bad faith

This list is not intended to be all inclusive, and it is likely there will be conduct issues that it does not specifically address. In all circumstances, Participants are expected to follow the direction of Event staff who will take appropriate action to ensure the safety, security and well-being of Event participants, staff, venue and service provider personnel, and the general public. Event Participants asked to stop engaging in prohibited conduct must comply immediately.

Financial Health Network, in its sole discretion, will determine the nature of the participant conduct that warrants corrective action as well as the corrective action to be taken. Corrective action may include any of the following forms: verbal warning; expulsion from the Event; expulsion from the Event with no refund of registration fees; barring from future Financial Health Network Events; and/or notifying appropriate authorities. The decision(s) of Financial Health Network are final.

Cancellation Policy and Fees
Participation and use fees are subject to Financial Health Network’s cancellation policy. Attendee registration for virtual Events that are free of charge are not subject to cancellation or a refund. Paid Virtual and In-person Events are eligible for a full refund less a $50 administrative fee up to 30 days prior to the Event date. No refunds will be granted after that date. Substitutions for virtual, or in-person Events are acceptable at any time. All cancellation or substitution of attendee requests must be made in writing to events@finhealthnetwork.org. Financial Health Network reserves the right to cancel or reschedule any Event at any time and will issue a full refund of registration fees for a cancelled Event, or upon request for any rescheduled Event, but shall not be liable for any personal or travel expenses arising from such cancellation or rescheduling.

2019 Novel Coronavirus (COVID-19): Consistent with guidance issued by the Centers for Disease Control (CDC), if you are unable to attend an in-person Event due to testing positive for COVID-19 or being a close contact of an individual who has tested positive for COVID-19 within 14 days of the Event, you are entitled to a full refund of your registration fees application of your registration fees to a substitution Event, at your election. In order to be eligible for such refund or substitution, you must contact us at events@finhealthnetwork.org prior to the start of the Event, or immediately upon receipt of the applicable diagnosis once the Event has started.

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 all Events, Event content, and all materials distributed in connection with 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 in any materials distributed at or in connection with any Event, or use, reproduce, modify, distribute, publish, perform, display, republish, create derivative works of, download, store, or transmit any of the 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 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, or any third party speaker or sponsor, 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 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

Acknowledgements, Waiver, and Release
You acknowledge that these Terms of Participation will be relied upon by the Event holders, content creators, sponsors, and organizers of  the Events, and that these Terms of Participation will govern your actions and responsibilities at said Events.

For in-person Events, you hereby acknowledge and assume the risk of participating in any/all activities associated with the Event, including by way of example and not limitation, any risks that may arise from the negligence or carelessness on the part of other attendees or on the part of the persons or entities being released. Your attendance also certifies that you are physically fit for participation in the Event, and you have not been advised against participation by a qualified medical professional; and further certifies that there are no health-related reasons or problems which preclude your participation in the Event.

In particular, for in-person Events, you acknowledge that you aware of the contagious nature of the 2019 novel coronavirus or any variant thereof (“COVID-19”) and the risk that you may be exposed to or contract COVID-19 by participating in an Event, which may result in serious illness, personal injury, disability, or death. You understand that while the Event holders may implement measures to reduce the risk of injury from the Event and the spread of COVID-19, Financial Health Network cannot guarantee that you will not be injured or become infected with COVID-19 due to your participation in the Event and that engaging in the Event may increase your risk of contracting COVID-19.

In consideration for Financial Health Network’s approving the application and permitting Attendee to participate in any applicable Event, you hereby for yourself, and your 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, speakers, sponsors, and volunteers;



(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 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.

These Terms of Participation and the other Agreements represent the entire agreement between you and Financial Health Network with respect to your 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 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 events@finhealthnetwork.org or mailed to the following address:

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