Terms and Conditions

Community Rules & Etiquette and Privacy Guidelines

Thank you for being part of our community. To ensure the best possible experience for all members, we have established some basic guidelines for participation. To preserve an environment that encourages dialogue among members, SILA reserves the right to remove any posts that violate community guidelines in addition to suspending or terminating membership in this community for anyone who violates these rules. 

Please take a moment to acquaint yourself with these important guidelines. By joining and using this community, you agree that you have read and will follow these rules. You also agree to keep discussions, shared files, and content appropriate for this platform. This is a great medium to solicit the advice of your peers, benefit from their experience, and participate in ongoing conversations. 

Questions should be directed to our member services department via the Contact Us link on this site. 

The Rules

  • Be respectful

Focus on the content of posts and not on the people making them. Please extend the benefit of the doubt to others; there’s no such thing as a stupid question. Information posted on the discussion groups and in the libraries is available for all to see, and comments are subject to libel, slander, and antitrust laws. 

  • Adhere to the community's purpose

Use the community to share successes, challenges, constructive feedback, questions, and goals instead of products or services. If you’ve found a product or service helpful, please share your experience directly with the individual.

  • Avoid direct promotion

This discussion forum is not an appropriate place for advertising or marketing. Members should not promote specific solution providers or direct members to their websites. If a Solutions Provider believes their product/tool will be of use to the member, they must contact the individual directly outside of the forum. 

  • Respect intellectual property

Only post content that you have personally created or have permission to use and have properly attributed to the content creator. Reposting SILA resources is allowed. Please indicate if the item is available for reuse or not. 

    • Don't share inappropriate documents

    All defamatory, abusive, profane, threatening, offensive, or illegal materials are strictly prohibited. Only share content you'd be comfortable with everyone seeing and knowing it came from you. 

    Discussion Group Etiquette

    • State concisely the topic of your comments in the subject line; this allows members to respond more appropriately to your posting and makes it easier for members to search the archives by subject

    • Stay on topic by keeping discussions relevant to the initial questions; if an unrelated topic comes up, consider starting a new post

    • Send messages such as "thanks for the information" or "me, too" to individuals, not to the entire list; do this by using the "Reply to Sender" link in every message

    • Do not send administrative messages, such as “remove me from the list,” to the group; use the web interface to change your settings (including an updated email address) or remove yourself from a list

    • Post your message or documents only to the most appropriate communities which helps ensure all messages receive the best response by eliminating 'noise'

    • If you see inappropriate content, please report it immediately

    The Legal Stuff

    This site is provided as a service for the members of the Securities & Insurance Licensing Association (SILA). SILA is not responsible for the opinions and information posted on this site by others. We disclaim all warranties with regard to information posted on this site, whether posted by SILA or any third party; this disclaimer includes all implied warranties of merchantability and fitness. In no event shall SILA be liable for any special, indirect, or consequential damages or any damages whatsoever resulting from loss of use, data, or profits, arising out of or in connection with the use or performance of any information posted on this site.

    Do not post any defamatory, abusive, profane, threatening, offensive, or illegal materials.  Do not post any information or other material protected by copyright without the permission of the copyright owner. By posting material, the posting party warrants and represents that they own the copyright with respect to such material or has received permission from the copyright owner. In addition, the posting party grants SILA and users of this site the nonexclusive right and license to display, copy, publish, distribute, transmit, print, and use such information or other material.

    Messages should not be posted if they encourage or facilitate members to arrive at any agreement that either expressly or impliedly leads to price fixing, a boycott of another's business, or other conduct intended to illegally restrict free trade. Messages that encourage or facilitate an agreement about the following subjects are inappropriate: prices, discounts, or terms or conditions of sale; salaries; profits, profit margins, or cost data; market shares, sales territories, or markets; allocation of customers or territories; or selection, rejection, or termination of customers or suppliers.

    SILA does not actively monitor the site for inappropriate postings and does not on its own undertake editorial control of postings. However, if any inappropriate posting is brought to the attention of SILA, we will take all appropriate action.

    SILA reserves the right to terminate access to any user who does not abide by these guidelines.

    Privacy Policy

    Any personal information you provide to us including and similar to your name, address, telephone number and e-mail address will not be released, sold, or rented to any entities or individuals outside of our organization except as noted below.

    We share the personal information we collect through this site with:

    Our Service Providers
    We may share your personal information with companies (including our affiliates) that perform services on our behalf, for example, companies that help process credit card payments. Our service providers are required by contract to protect the confidentiality of the personal information we share with them and to use it only to provide specific services on our behalf.

    Business Transfers
    Your personal information may be transferred to another entity (either an affiliated entity or an unrelated third party) in connection with a merger, reorganization, dissolution or similar corporate event. If such a transfer were ever to occur, the acquiring entity’s use of your personal information will still be subject to this Privacy Policy.

    Government and Legal Disclosures
    We may disclose the personal information we collect through this Site, when we, in good faith, believe disclosure is appropriate to comply with the law (or a court order or subpoena); to prevent or investigate a possible crime, such as fraud or identity theft; to enforce our Terms and Conditions or other agreements that govern your use of this Site; or to protect the rights, property or safety of our company, our users, or others.

    External Sites
    We are not responsible for the content of external internet sites. You are advised to read the privacy policy of external sites before disclosing any personal information.

    Cookies
    A "cookie" is a small data text file that is placed in your browser and allows us to recognize you each time you visit this site (personalization, etc). Cookies themselves do not contain any personal information, and we do not use cookies to collect personal information. Cookies may also be used by 3rd party content providers such as news-feeds.

    Remember The Risks Whenever You Use The Internet
    While we do our best to protect your personal information, we cannot guarantee the security of any information that you transmit to us and you are solely responsible for maintaining the secrecy of any passwords or other account information. In addition, other Internet sites or services that may be accessible through our site have separate data and privacy practices independent of us, and therefore we disclaim any responsibility or liability for their policies or actions. Please contact those vendors and others directly if you have any questions about their privacy policies.  For any other information please contact us using the Contact Us link on this page.