Terms & Conditions

GARP Website Usage Policy

This Website Usage Policy is in regards to the terms in which you may access and use our services as a member of the Global Association of Risk Professionals (GARP).  By using and accessing GARP’s website you signify your acceptance of our Website Usage Policy and the Global Association of Risk Professional (GARP) Code of Conduct.  Therefore, if you cannot accept these terms and conditions, please do not use the website. GARP may revise these terms and conditions at any time by updating this posting.  Please read this document closely and visit this page periodically to review the terms and conditions because they are binding on you.  

If you have any questions or concerns, please contact us at customerservice@garp.com.

Our Commitments

These policies have been developed as an extension of GARP’s commitment to combine quality products and services with the highest level of integrity in dealing with the public, our members and our program and examination candidates.  

Scope

This Policy guides how GARP collects, stores, and uses information that is collected by GARP or provided to GARP whether through our website or by other methods, such as applications, enrollments, registrations, orders, or other means. This policy covers all of GARP.  This statement does not cover outside websites that are linked to the GARP website.

Automatic Collection of Information

If you do nothing during your visit but browse through GARP website, read pages, or down load information, we will gather and store certain information about your visit automatically. This information does not identify you personally. GARP uses this information to help make our site more useful to visitors, to learn about the number of visitors to our site, and to determine the types of technology our visitors use.  We do assign session "cookies" to your computer that allows us to recognize your computer and make your experience more convenient.

Use of Information

If you choose to provide us with personal information, such as your name and address, when placing an order or registering for our programs or for other GARP-sponsored activities means, GARP may use that information to provide or offer you products or services, for billing purposes, to send information to you, to respond to you, and for other purposes related to the reason you provided the information to GARP. For example, if you are an examination candidate or member, GARP may use the information you provide us to process your application, administer examinations, maintain memberships, send information to you, respond to you, and render services to you.  

GARP collects information, such as your name, mailing address, e-mail address, credit card number, and telephone number. If you are registering for the FRM or Certificate Programs or applying for membership with GARP, we may also collect information about your education, job description, gender, and age.   GARP does not disclouse the credit card information provided by you except that when you elect to pay your membership or examination fees using a credit card, GARP submits the information needed to obtain payment to the appropriate clearing house.

GARP is committed to protecting the security of your personal information. We use advanced security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure.

Notification of Changes

If we are going to use your personally identifiable information in a manner different from that stated at the time of collection, we will notify you via e-mail. You will have a choice as to whether or not we use your information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our website notifying users of the change. In some cases where we post the notice we will also e-mail users who have opted to receive communications from us to notify them of the changes in our privacy practices.

Use of Site Material

The contents of this website are protected against unauthorized use in the United States and other countries by copyright and other intellectual property laws. Unless otherwise noted, GARP authorizes you to view and download a single copy of the material on this website solely for your personal, noncommercial use. You must retain all copyright and other proprietary notices contained in the original material on any copy you make of the site material. You may not sell or modify our site material or reproduce, display, publicly perform, distribute, or otherwise use the material in any way for any public or commercial purpose. The names, marks, and logos appearing on this website are, unless otherwise noted, trademarks owned by GARP. The use of these marks, except as provided in these terms and conditions, is prohibited. If you violate any of these terms, your permission to use the site material automatically terminates and you must immediately destroy any copies you have made of the material. GARP reserves all other rights it may have at law or in equity.

User Conduct

You understand and agree not to use the GARP website and its on-line Community to:

• Post content or initiate communications which are unlawful, libelous, abusive, obscene, discriminatory, or otherwise objectionable.
• Falsely state, impersonate, or otherwise misrepresent your identity, including but not limited to the use of a pseudonym, or misrepresenting your current or previous positions and qualifications, or your affiliations with a person or entity, past or present.
• Upload, post, email, transmit or otherwise make available content or initiate communications which include information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements)
• Upload, post, email, transmit or otherwise make available any content or initiate communication that infringes upon patents, trademarks, trade secrets, copyrights or other proprietary rights.
• Upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, 'junk mail', 'spam', 'chain letters', 'pyramid schemes', or any other form of solicitation.  This prohibition includes but is not limited to a) using the GARP Community to send messages to people who you don't know you or who are unlikely to recognize you as a known contact b) Using the GARP Community to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) sending messages to distribution lists, newsgroup aliases, or group aliases.
• Upload, post, email, transmit, or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any software or hardware or telecommunications equipment.
• Stalk or harass anyone.
• Forge headers or otherwise manipulate identifiers in order to disguise the origin of any communication transmitted through the GARP Community.
• Interfere with or disrupt the GARP website or servers or networks connected to the GARP website, or disobey and requirements, procedures, policies or regulations of networks connected to the GARP website. 

Use of Links and Logos

You do not need to request permission to create a text link from your website to the GARP website. However, if you would like to use a graphic or logo of GARP, you must request permission. Please send all such requests to marketing@garp.com. GARP reserves the right at its sole and absolute discretion to request the removal of any link.

Liability

GARP makes no representations about the accuracy, reliability, completeness, or timeliness of the material on this website or about the results to be obtained from using the website. You use the website and its material at your own risk. Changes are periodically made to the website and may be made at any time.

This website and its material are provided on an "as is" basis without any warranties of any kind. To the fullest extent permitted by law, GARP hereby expressly disclaims all warranties, including the warranty of merchantability, non-infringement of third-party rights, and the warranty of fitness for particular purpose. In no event shall GARP be liable for any damages whatsoever resulting from the use or inability to use material on this website or sites linked to this website, whether based on warranty, contract, tort, or any other legal theory, and whether or not GARP is advised of the possibility of such damages.

By using this website, you agree to defend, indemnify, and hold harmless GARP, its officers, directors, employees, and agents from and against any and all losses, claims, damages, costs, and expenses (including reasonable legal and accounting fees) that GARP may become obligated to pay arising or resulting from your use of the site material or your breach of these terms and conditions.