Terms of Use
This page addresses the Institute of Commercial Payments (IOCP) website Terms of Use plus the Rules of Etiquette that apply to any form of participation with Institute of Commercial Payments—online activities, attendance at meetings and events, and communications and interactions with Institute of Commercial Payments participants (members, subscribers and visitors).
Table of Contents
Your Responsibility
Rules of Etiquette
Report an Issue
Security/Passwords/Profiles
Third Party Content and Linking
Enforcement and Termination
Removal of Material
General Restrictions
Institute of Commercial Payments Trademarks, Copyrights and Restrictions
Systems/Site Performance
User's Grant of Limited License
Legal Terms and Conditions
Privacy Policy
Your Responsibility
By participating in the Institute of Commercial Payments community, such as using the content and/or services found on this website (the "Service" or "Services"), attending Institute of Commercial Payments meetings and events, and interacting with other Institute of Commercial Payments participants, you accept all terms, conditions and notices contained or referenced within this page, including the Privacy Policy and the Institute of Commercial Payments Rules of Etiquette that are incorporated herein by reference and made a part of these Terms of Use.
If you do not agree to these Terms of Use, you may not use this website or participate in Institute of Commercial Payments activities. We reserve the right, at our discretion, to update or revise these Terms of Use. Your continued use of the Services found on www.iocpnow.com (the "Site") following the posting of any changes to the Terms of Use or Privacy Policy constitutes acceptance of those changes.
Rules of Etiquette
As a participant within the Institute of Commercial Payments community—as a member, subscriber and/or visitor—Institute of Commercial Payments expects the highest levels of ethical and professional behavior at all times.
1. Use of Online Tools
The following rules help ensure that use of Institute of Commercial Payments Services is constructive and not harmful.
-
Do not criticize, harass, abuse or threaten other members, individuals or organizations.
-
Remember that a website is "public;" 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 explicitly allowed by Institute of Commercial Payments).
- 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:
2. 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 Institute of Commercial Payments 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 the Institute of Commercial Payments Annual Conference).
- Abide by any additional rules in effect for a particular event.
3. Other Communications/Interactions with Institute of Commercial Payments Participants
When interacting with fellow participants outside of the Institute of Commercial Payments community, such as networking that originated through use of Institute of Commercial Payments Services, continue to uphold the Rules of Etiquette, exhibiting ethical and professional behavior at all times. It is Institute of Commercial Payments' intent to foster and support constructive networking; Institute of Commercial Payments should not be used as a conduit for outside interactions that annoy, offend or harm another Institute of Commercial Payments participant.
Report an Issue
To report behavior that you feel violates Institute of Commercial Payments Terms of Use, please contact us.
Security/Passwords/Profiles
You are solely responsible for maintaining the confidentiality of your user name and password. You are the only person authorized to use your user name and password, including any benefits that result from such usage. Institute of Commercial Payments may terminate your use of this Site should it discover misuse of:
- your user name and password, such as allowing others to use
- your benefits as an Institute of Commercial Payments member or complimentary subscriber, such as sharing protected Site content with individuals who do not have the same Site access as you
In addition, your Institute of Commercial Payments user profile is unique to you and must reflect your information, including your name, organization, title, address and e-mail. If a colleague is also interested in Institute of Commercial Payments content, he or she should maintain their own profile.
You agree to immediately notify Institute of Commercial Payments in writing of any unauthorized use of your user name, password and/or resulting benefits.
Third Party Content and Linking
Institute of Commercial Payments may contain links to other websites. These links are solely provided for your convenience and any such links do not imply Institute of Commercial Payments endorsement, nor is Institute of Commercial Payments responsible for the content of the website and the information that website may collect from you when you visit it.
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.
In no event may you link to the member pages or password-protected pages of the Site.
You may only link to non-password protected pages in the Site if all of the following criteria are met:
- You have requested a link by contacting laura.flandrick@iocpnow.com.
- The link brings end-users to the Site free of any frames or pop-up windows of any kind whatsoever; and
- The link clearly states that it resolves at Institute of Commercial Payments; and
- The link points to, and resolves at http://www.iocpnow.com/; and
- Neither the link text or your site represents in any way an agency or joint venture Institute of Commercial Payments; and
- Institute of Commercial Payments has not notified you that you are not permitted to link to the Site.
If all criteria are met, a link may be provided to the Site, however, the use of any Institute of Commercial Payments metatags, trademarks, newsletters, or any other content whatsoever is excluded from this limited linking license.
Institute of Commercial Payments expressly reserves the right to require you to sever the link at any time whether before or after linking commences, pursuant to these terms. If Institute of Commercial Payments notifies you that it has determined that the link shall be severed, you shall immediately sever the link, acknowledging that time is of the essence and that Institute of Commercial Payments will be materially harmed should linking continue.
Enforcement and Termination
Without limiting any other remedies, Institute of Commercial Payments 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 Institute of Commercial Payments 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
Institute of Commercial Payments reserves the right not to post content and/or to remove content which Institute of Commercial Payments 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 Institute of Commercial Payments with criminal or civil liability.
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 Institute of Commercial Payments 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 Institute of Commercial Payments 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 Institute of Commercial Payments 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.
Institute of Commercial Payments Trademarks, Copyrights and Restrictions
The Institute of Commercial Payments logo is a trademark of Institute of Commercial Payments. Everything you see in this Site is Copyright 1999–2024, Institute of Commercial Payments and National Association of Purchasing Card Professionals, 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 Institute of Commercial Payments. You may not reproduce, perform, create derivative works from, republish, upload, post, transmit, or distribute in any way whatsoever any Materials from Institute of Commercial Payments without the prior written permission of Institute of Commercial Payments. 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 Institute of Commercial Payments' copyrights and other proprietary rights. Use of these Materials on any other website or other networked computer environment without prior written permission from Institute of Commercial Payments is prohibited.
Except as expressly authorized by Institute of Commercial Payments, 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. Institute of Commercial Payments grants you a revocable, non-transferable, non-sublicensable, and non-exclusive right 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 Institute of Commercial Payments for use in accessing the Service.
Systems/Site Performance
Institute of Commercial Payments does not and cannot control the flow of data to or from Institute of Commercial Payments' 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 Institute of Commercial Payments will use commercially reasonable efforts to take all actions it deems appropriate to remedy and avoid such events, Institute of Commercial Payments cannot guarantee that such events will not occur. Accordingly, Institute of Commercial Payments 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 and chatrooms (e.g., eNetworking and Career Center), or to Institute of Commercial Payments , you: 1) grant Institute of Commercial Payments and its licensees the right to use, reproduce, display, adapt, modify, and distribute the content in any form and in any media, anywhere in the world 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 Institute of Commercial Payments will not infringe or violate the rights of any third party.
Disclaimer. The opinions and information posted on the Site by participants are those of the originator only. Neither Institute of Commercial Payments nor any of the Institute of Commercial Payments 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 Institute of Commercial Payments 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," WITH ALL FAULTS FOR YOUR PERSONAL USE. NOTWITHSTANDING ANY PROVISION TO THE CONTRARY, THE CONTENT IN THE SITE 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. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK.
IN NO EVENT SHALL INSTITUTE OF COMMERCIAL PAYMENTS 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 INSTITUTE OF COMMERCIAL PAYMENTS 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 Institute of Commercial Payments, 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 Commercial Payments is a forum to guide, educate, and support the Purchasing Card industry on this Site. Consumers are not charged for the use of this site, other than the cost for membership to Institute of Commercial Payment , which they may choose to purchase. You can have the information in this disclosure sent to you by mailing us at the address below with a request for information.
Institute of Commercial Payments
P.O. Box 901
Wayzata, MN 55391 USA
E-mail Institute of Commercial Payments at laura.flandrick@iocpnow.com with questions regarding our memberships, this Site or our Services.
The Consumer Assistance Unit of the Division of Consumer Information of the Department of Consumer Affairs in California may be contacted in writing at 400 R Street, Sacramento, CA 95814, or by telephone at
(800) 952-5210.
Information Accuracy
Institute of Commercial Payments 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 of Use shall be the laws of the State of Minnesota, USA, without regard to its conflict of laws principles. If any part of this Terms of Use and documents specifically included in this Terms of Use is considered invalid or unenforceable, such provision shall be struck and all remaining provisions shall be enforced. You hereby consent to the jurisdiction and venue of Minnesota courts for any action arising under the Terms of Use, including injunctive relief.
Infringing Item Policy
The Digital Millennium Copyright Act (DMCA) specifies procedures by which Internet Service Providers (ISPs) may limit liability with respect to information residing on network servers. In accordance with the DMCA, Institute of Commercial Payments has designated an agent to receive notification of claimed infringement. If you believe that Institute of Commercial Payments' use of your work constitutes copyright infringement, please contact Institute of Commercial Payments with the following written information specified below. Note that this procedure is only to notify Institute of Commercial Payments that your copyrighted material has potentially been infringed.
- The location on the Site of the potentially infringing item;
- A description of the copyrighted work that you claim has been infringed upon;
- Your address, e-mail address and telephone number;
- A sworn statement by you that you believe in good faith that the item is infringing and that you are either the copyright owner or authorized to act on behalf of the copyright owner.
All claims of infringement must conform to DMCA notification procedures, and should be directed to the following agent:
Name of Agent Designated to Receive Notification of Claimed Infringement: Laura Flandrick
Address of Designated Agent to Which Notification Should Be Sent:
P.O. Box 901
Wayzata, MN 55391
Telephone Number of Designated Agent: (952) 546-1880
E-mail Address of Designated Agent: laura.flandrick@iocpnow.com
(IMPORTANT: This e-mail address is intended for the receipt of "Notifications of Claimed Infringement" under the Digital Millennium Copyright Act of 1998, 17 U.S.C. 512.)
Institute of Commercial Payments may terminate access for content providers or you, if found to have provided or posted protected material without necessary rights and permissions.
If you are the subject of copyright infringement charges, you may be temporarily or indefinitely suspended from use of or access to our Site. If you are responsible for the text and graphics, you will be reached as quickly as possible to discuss appropriate responses to the DMCA's "take-down" and "put-back" specifications.
Privacy Policy
Your privacy is very important to us. Please review the Institute of Commercial Payments' Privacy Statement and contact us if you have questions or concerns.
