Terms of Service

cRisk Academy is owned and operated by Mefford Associates LLC, a Delaware limited liability company. cRisk Academy ("cRisk", "we," or "us") refers to employees, independent contractors, agents, and representatives ("our Team"). By using cRiskAcademy.com (http://criskacademy.com) or registering for a webinar listed on cRiskAcademy.com, you’re agreeing to these Terms.

We provide an online platform that you may use to browse and register for webinars (the "Services"). We offer the Services on our website http://criskacademy.com (we’ll refer to it as the "Website").

As a subscriber of the Service, or a representative of an entity that’s a customer of the Service, you're a "Member" according to this agreement (or "you"). These Terms of Service ("Terms," including our Privacy Policy) define the terms and conditions under which you’re allowed to use cRisk and how we’ll treat you while you’re a Member.

The materials (“Content”) made available on the Website or via webinar software (the “Software”) is for your personal, internal, non-commercial use and is intended for informational purposes only. You may not copy, modify, distribute, reproduce, sell, post, or otherwise use the Content in any form or on any medium, in whole or in part, without the prior written permission of cRisk. We reserve the right to modify or remove the Content at any time and nothing in these Terms and Conditions provides you with any rights to the Content.

By registering for and participating in webinars, seminars, and audio conferences through the Website and Software, you acknowledge that cRisk may record such sessions and that you consent to such recordings and cRisk’s use of those recordings for promotional, training or other purposes.

ACCOUNT

1. Eligibility
In order to use cRisk, you must:

1. Be at least eighteen (18) years old and able to enter into contracts;
2. Complete the registration process for any webinar;
3. Agree to the Terms; and
4. Provide true, complete, and up to date contact information.

By using the Website, you represent and warrant that you meet all the requirements listed above, and that you won’t use cRisk in a way that violates any laws or regulations. You also agree not to use cRisk for any purpose it was not designed for. cRisk reserves the right to refuse service, cancel registration, and change eligibility requirements at any time.

2. Term
The Term begins when you visit the Website and continues as long as you register for a webinar. Clicking the registration button for any webinar means that you’ve officially "signed" the Terms. If you sign up for a cRisk webinar on behalf of a group of attendees, you represent and warrant that you have the authority to accept these Terms on their behalf.

3. CPE Policy
Some of our webinars qualify for CPE in accordance with standards set by the Institute of Internal Auditors (IIA), NASBA (National Association of State Boards of Accountancy, nasba.org), and other groups, which require active participation by attendees. In those webinars, we will administer a minimum of four polling questions for one CPE credit hour (based on a 50-minute hour). For programs that are greater than one hour in duration, but less than two hours (e.g. 1.5 hours), a minimum of five polling questions will administered. For webinars that are 2 hours, a minimum of six polling questions will be administered.

"Active participation" will be defined as attendees who answer three polling questions for programs that are one hour in duration, and a minimum of four polling questions for courses that are greater than one hour, but less than 2 hours in duration. A minimum of five polling questions must be answered for programs that are 2 hours in duration. CPE will be issued only to individuals who meet this requirement.

The decision to offer small group viewing will be made on a webinar by webinar basis. If group viewing is offered for a webinar, the registration page will provide this option, with the primary registrant serving as the small group facilitator. The small group facilitator must confirm attendance for each participant for the duration of the program. CPE will only be issued to group attendees whose attendance and engagement has been documented and verified (by signature) by the small group facilitator. Records will be maintained for a minimum of five years in accordance with the cRisk document retention policy.

4. Changes
We may change any of the Terms by posting revised Terms of Use on our Website and/or by sending an email to the last email address you provided. Unless you opt out of our mailing list (see the Privacy Policy for more detail on Opting Out) within ten (10) days, the new Terms will be effective immediately and apply to your use of cRisk. We may change the Website, the Service, or any features of the Service at any time.

PAYMENT

5. Paid Webinars
Charges for webinars, if any, are posted on our Website and may be changed from time to time. For webinars with associated charges, you agree to processing payment as part of the webinar registration process. Webinar registration information, and access to the Content, will be provided after payment processing is complete.

6. Credit Cards
You agree to provide us with valid credit card information and authorize us to deduct the charges, if any, against the credit card you provide. Anyone using a credit card represents and warrants that he or she is authorized to use that credit card, and that any and all charges may be billed to that credit card and won’t be rejected. If, for some reason, we’re unable to process your credit card order, we’ll try to contact you by email so that your payment can be processed.

7. Cancellation and Refunds
Our cancellation policy is intended to keep costs low for attendees. Due to financial obligations incurred by cRisk you must cancel your registration prior to the start of the event. Should you choose to cancel your event registration, you will be eligible to receive a full refund up to 48 hours before the start of the event. After this date you have two options:

1. You may send an alternate to the event without an additional charge.
2. You may receive a refund of 50% of the registration fee to your original payment method.

No refunds or credits will be given for cancellations received on or after the start date of the event. Those who do not cancel and do not attend are responsible for the full registration fee. You will not be charged for cancelling your registration to a free event.

In the event that cRisk has to cancel an event for unforeseen reasons or due to an insufficient number of registrants, the cancellation will be communicated by email, and a full refund will be processed using your original payment method. To request a cancellation or to make a registration change, please email our events team at cRiskAcademy.com.

8. Complaint Resolution
Any complaints should be directed to cRisk using the following contact methods:

Office Telephone: (206) 552-9088
e-mail: contact@criskacademy.com
US Mail: cRisk Academy, PO Box 2710, Los Alamitos, CA 90720, USA

cRisk will make every effort possible to investigate the cause of all complaints and to take any corrective action that may appropriate.

9. Changes
We may change our fees at any time by posting a new pricing structure to our Website and/or sending you a notification by email.

RIGHTS

10. Proprietary Rights Owned by Us
You shall respect our proprietary rights in the Website and the Software used to provide cRisk webinars. All intellectual property found on the Website, including, without limitation, patents, trademarks, service marks, logos and copyrighted material are the property of cRisk or third parties. Except as explicitly stated herein, you are not granted any license or other right to use such intellectual property without the prior written consent of cRisk or the applicable third party owner.

If you believe copyrighted material owned by you or someone you represent is being infringed upon by the Website, please notify us at jamie@criskacademy.com or (206) 552-9088.

11. Privacy Policy
We may use and disclose your information according to our Privacy Policy. Our Privacy Policy will be treated as part of these Terms. In summary, attendee contact information and data provided during and after the event may be shared with the presenters of the courses for which the attendee has registered for their specific marketing purposes. cRisk does not control how attendee data is used once it has been provided. We also reserve the right to inform you of our existing and future products and services.

12. Right to Review Campaigns
We may view, copy, and internally distribute content from your account to create algorithms and programs ("Tools") that help us spot problem accounts. We use these Tools to find Members who violate these Terms or laws.

RULES AND ABUSE

13. General Rules
You promise to follow these rules:

- You won’t violate our Terms of Service or Privacy Policy.
- You won't use our Service in an unintended way
- You won't infringe on the intellectual property of CRisk or our trusted third parties

If you violate any of these rules, then we may suspend or terminate your account.

14. Reporting Abuse
If you think anyone is violating any of these Terms, please notify us immediately. If you received spam you think came from a cRisk user, we want to hear about it. If you think anyone has posted material that violates any copyrights. Please report it to jamie@criskacademy.com

15. Compliance with Laws
You represent and warrant that your use of cRisk will comply with all applicable laws and regulations.

LIABILITY

16. Limitation of Liability
To the maximum extent permitted by law, you assume full responsibility for any loss that results from your use of the Website and the Services, including any downloads from the Website or Software. We and our Team won’t be liable for any indirect, punitive, special, or consequential damages under any circumstances, even if they’re based on negligence or we’ve been advised of the possibility of those damages.

17. No Warranties
To the maximum extent permitted by law, we provide the material on the Website, and the Content as is. We don’t provide warranties of any kind, either express or implied, including but not limited to warranties of merchantability and fitness for a particular purpose, title, and non-infringement.

In addition, cRisk, disclaims any warranties regarding the accuracy or appropriateness of any of the Content. cRisk is not liable for any direct, indirect, punitive, incidental, special or consequential damages or other injury arising out of or in any way connected with the use of the Website, the Content or any arising out of or in any way connected with the use of the Website, the Content or any related software, products or services or with the delay or inability to use the Website, the Content, or for any information, software, products and services obtained through the Website, whether resulting in whole or in part, from breach of contract, tortious behavior, negligence, strict liability or otherwise, even if cRisk had been advised of the possibility of damages. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

18. Indemnity
You agree to indemnify and hold us and our Team harmless from any losses (including attorney fees) that result from any claims you make that aren’t allowed under these Terms due to a "Limitation of Liability" or other provision.

19. Attorney Fees
If we file an action against you claiming you breached these Terms and we prevail, we’re entitled to recover reasonable attorney fees and any damages or other relief we may be awarded.

20. Liquidated Damages
In some cases, a breach of these Terms could cause damages, but proving the actual damages would be impossible. These cases will result in the corresponding liquidated damages, which are a reasonable pre-estimate of the damages.

21. Equitable Relief
If you violate these Terms then we may seek injunctive relief (meaning we may request a court order to stop you) or other equitable relief.

22. Subpoena Fees
If we have to provide information in response to a subpoena related to your account, then we may charge you for our costs. These fees may include attorney and employee time spent retrieving the records, preparing documents, and participating in a deposition.

23. Disclaimers
We and our Team aren’t responsible for the behavior of any presenters, sponsors, advertisers, linked websites, or other Members.

FINE PRINT

24. Endorsements
The Website contains links to other websites, which does not indicate an endorsement of third party websites, services, products, policies, or information. You acknowledge that cRisk is not responsible for the content made available by third parties. You should contact those third parties directly for information on their terms of use, privacy policy, and other relevant information. By using the Website, you agree that you will not attempt to hold cRisk responsible or liable for the content of such third party websites.

25. Assignments
You may not assign any of your rights under this agreement to anyone else. We may assign our rights to any other individual or entity at our discretion.

26. Choice of Law
The State of California’s laws, except for conflict of laws rules, will apply to any dispute related to these Terms of Service. Any dispute related to the Terms, the Privacy Policy, or the Service itself will be decided by the state and federal courts in California, and each party will be subject to the jurisdiction of those courts.

27. Force Majeure
We won’t be held liable for any delays or failure in performance of any part of the Service, from any cause beyond our control. This includes, but is not limited to, acts of God, changes to law or regulations, embargoes, war, riots, fires, earthquakes, floods, strikes, power blackouts, unusually severe weather conditions, and acts of hackers or third-party internet service providers.

28. Survivability
Even if this Agreement is terminated, the following sections will continue to apply: Proprietary Rights Owned by Us, Proprietary Rights Owned by You, Compliance with Laws, Limitation of Liability, No Warranties, Indemnity, Choice of Law, Severability, and Entire Agreement.

29. Severability
If it turns out that a section of this Agreement isn’t enforceable, then that section will be removed or edited as little as necessary, and the rest of the Terms will still be valid.

30. Amendments and Waiver
Amendments or changes to these Terms won’t be effective until we post revised Terms on the Website. That aside, additional terms may apply to certain features of the Service (the "Additional Terms"). The Additional Terms will be considered incorporated into these Terms when you activate the feature. Where there’s a conflict between these Terms and the Additional Terms, the Additional Terms will control. If we don’t immediately take action on a violation of these Terms, we’re not giving up any rights under the Terms, and we may still take action at some point.

31. No Changes in Terms at Request of Member
Because we have so many Members, we can’t change these Terms for any one Member or group. If we did that, keeping up with the changes would be a logistical nightmare. So no changes, no exceptions.

32. Further Actions
You’ll provide all documents and take any actions necessary to meet your obligations under these Terms.

33. Notification of Security Breach
In the event of a security breach that may affect you, we’ll notify you of the breach and provide a description of what happened.

34. Notices
Any notice to you will be effective when we send it to the last email or physical address you gave us or posted on our Website. Any notice to us will be effective when delivered to us along with a copy to our legal counsel: Attn. cRisk Academy, PO Box 2710, Los Alamitos, CA 90720, USA, or any addresses as we may later post on the Website.

35. Entire Agreement
These Terms and our Privacy Policy, (all of which are incorporated into these Terms by reference), and any Terms you’ve agreed to make up the entire agreement and supersede all prior agreements, representations, and understandings.