BAFT Terms and Conditions

Revised August 15, 2025

The following Terms of Service (collectively, “Agreement”) shall apply to all purchases made from BAFT, Inc., its subsidiaries and/or affiliates, as applicable except as otherwise noted herein (collectively, “BAFT”) for its products and services purchased (collectively, “Offerings”) as set forth below. This Agreement may be modified at any time and at BAFT’s sole discretion and shall be in full force and effect at the time of any revision.

1. 1. EVENT REGISTRATION AND ATTENDANCE TERMS AND CONDITIONS

   1. 1.1. BAFT EVENTS. These terms and conditions shall apply to the BAFT’s offering of conferences, workshops, forums, webinars, and events, which shall include but are not limited to those listed on BAFT’s website as follows: https://baft.org/events/#conferences.
   2. The above list may be altered or amended at any time at BAFT’s sole discretion and includes any meeting as determined by the BAFT in its sole discretion, including but not limited to BAFT’s subsidiaries and affiliates (collectively, “BAFT Events”)
      
      1. 1.1.1. BAFT Events may be conducted in-person or virtual, including but not limited to, online and webinars, (“Virtual Event”), in which the determination of form and format of the delivery of the BAFT Events shall be at BAFT’s sole discretion and subject to change. All terms herein shall apply to both in person and virtual events as applicable. For all Virtual Events, BAFT shall utilize a third party virtual conference platform (“Platform”). Registrant will receive a link to the Platform for use.
   3. 1.2. REGISTRANT’S CONSENT. This Agreement is a legal agreement between BAFT and registered participants, attendees, exhibitors, sponsors, speakers, and guests (collectively, “Registrant”) regarding the BAFT Event. By affirmatively selecting acceptance with the terms and conditions herein, Registrant confirms that Registrant shall comply with all terms and conditions set forth in this Agreement. The Registrant may either purchase and register as an individual or as a group, which the latter shall contain multiple registrations. If purchasing as an individual, then it will be either done by the individuals themselves or by the authorized representative of the individual being registered. Group Registrations (two or more individuals) may be purchased by an individual that has authority on behalf of the purchasing organization. Each BAFT Event shall set specific limits as to the numbers of authorized registrants allowed within a Group Registration. BAFT takes no responsibility or liability for any failure of the purchasing organization to obtain necessary authorizations or consents at the time of registration. The types of Registrants are defined as follows:
      
      1. 1.2.1. BAFT provides professional development opportunities for Eligible Registrants defined as employees of membership-eligible institutions, including but not limited to, community, regional and money center banks and holding companies as well as savings associations, trust companies, savings banks and service members, and federal government agency employees
      2. 1.2.2. Individual Registrants are as follows:
         
         1. 1.2.2.1. Attendee/Participant – shall mean the eligible, as defined in Section 1.2.1 above, individual.
         2. 1.2.2.2. Exhibitor/Sponsor – shall mean the company representative that will attend at the BAFT Event in the capacity of exhibiting or sponsorship based on the contractual relationship with their employer and BAFT.
         3. 1.2.2.3. Guest – shall mean a spouse, child, significant other or friend not employed in a financial services occupation. A coworker (even a spouse co-worker) or an associate within the financial services industry is not considered a guest.
         4. 1.2.2.4. Speaker/Faculty/Instructor – shall mean an individual presenting content at an BAFT Event and will be required to execute a separate written release regarding their participation.
   4. 1.3. CONSENT TO USE PHOTOGRAPHS AND VIDEOS/RECORDINGS. By attending BAFT Events, whether in-person or Virtual Event, Registrant acknowledges and agrees that photographs, video, and/or audio recordings may be taken of Registrant and Registrant grants BAFT the right to use and distribute, in perpetuity, Registrant’s name, voice and likeness (“Image”) in any electronic or print distribution, or by other means hereinafter created, both now and in the future, for any lawful purpose as determined by the BAFT. For any questions or concerns, please contact the BAFT Member Services at +1 771-999-7495.
   5. 1.4. PRIVACY POLICY AND PERSONAL DATA FOR IN-PERSON AND VIRTUAL EVENTS. Nothing contained herein shall contradict BAFT’s Privacy Policy and in the event of conflict between that policy and these terms, the Privacy Policy shall supersede and control. BAFT values and respects the privacy of its Registrants and the security of Registrant’s personal data. By Registrant’s affirmative consent to provide or authorization to consent on behalf of all Registrants during registration for the BAFT Event, Registrant hereby agrees to the following: (i) comply with the BAFT’s Privacy Policy available on baft.org; and (ii) that BAFT may collect user data for purposes of marketing, event administration (including the use an event application or webinar hosting platform) and virtual hosting, and research, including collected data in aggregated form (i.e. surveys and evaluation forms) to assist in market evaluation and for any other purposes as reasonably determined by BAFT. In the event that Registrant has consented to the sharing of personal data, then BAFT may be able to provide the registered name(s), title(s), company name, email address(es) and mailing address to (i) BAFT, its subsidiaries, affiliates, and service providers for the BAFT Events (i.e. Hotels and Registration Housing Bureaus); and/or (ii) third party sponsors and exhibitors related to the BAFT Events. Notwithstanding the foregoing, it is BAFT’s intention to not share email addresses with the Exhibitors and Sponsors. BAFT will not disclose personal data associated with Registrant to any third parties if Registrant has not provided affirmative consent or if third party is not affiliated with BAFT or otherwise providing services for Registrant’s attendance at the BAFT Event.
      
      1. 1.4.1. Virtual Platform Third Party Privacy Terms. Platform providers may present Registrants with additional terms including, but not limited to, Terms of Use and Privacy Policies in order to gain access to the Virtual Event. Registrants acknowledge that they have reviewed such provisions and their participation in the Virtual Event constitutes acceptance of those third party platform terms. For Virtual Events, Registrants acknowledge that personal information will be processed in accordance with our Privacy Policy located at https://baft.org/privacy-policy.
         
         1. 1.4.1.1. Violation at Virtual Events. Any violations to the Platform Terms of Use or Privacy Policies, Third Party Platform Terms of Use or Privacy Polices, or the Code of Conduct in Section 3.5 below may result in BAFT taking action, at its sole discretion on a case-by-case determination, including but not limited to, Registrant’s immediate expulsion from the Platform at the moderators/host’s sole discretion without refund, demand for a verbal apology, issuing a written reprimand, disqualification from further business with BAFT, and/or reporting of the violation to the employer, security and law enforcement.
      2. 1.4.2. Sensitive Health Information. BAFT understands that it may be necessary to provide BAFT with sensitive health information, such as a special accommodation in order to attend the BAFT Event. If such information is needed to be provided, please DO NOT PROVIDE such sensitive information on the registration form, but rather call BAFT Member Services at +1 771-999-7495 to speak to a representative.
   6. 1.5. REGISTRATION AND CANCELLATION. Registration for the BAFT Event may be limited and subject to availability and will be considered on a first-come, first-served basis. If the BAFT Event is cancelled by BAFT, then Registrant is entitled to the refund of the paid registration and this shall be the extent of BAFT’s sole liability. Cancellations must be made in writing and sent to [email protected].
      
      1. 1.5.1. Cancellation for BAFT Events (In-person or Virtual). The cancellation policy for all BAFT events by the Registrant is as follows: (i) If Registrant cancels more than thirty (30) days prior to the BAFT Event start date, Registrant may be entitled to receive a full refund of the total fee paid less a processing fee, which amount is determined at BAFT’s discretion and subject to change; (ii) If Registrant cancels less than thirty (30) days before the BAFT Event start date, Registrant is not entitled to any monies as the fee paid is non-refundable. Substitutions are acceptable if submitted in writing in advance of the BAFT Event start date.
      2. 1.5.2. Registrant’s Duty of Care. BAFT recognizes that the safety of all of those Registrants in-person at the BAFT Events are a top priority. BAFT is committed to following CDC, local government agencies and the venue’s COVID-19 health and safety guidelines for hosting in-person events. By attending the BAFT Events, you agree to comply with all COVID-19 health and safety guidelines adopted by BAFT that have been recommended by the CDC, local government agencies and the venue where the BAFT Event is located. Your acknowledge that your acceptance of these Terms of Service includes this Duty of Care as a condition of registration and participation in the BAFT Events.
   7. 1.6 TRAVEL AND HOTEL RESERVATIONS AND CANCELLATIONS. The Registrant shall be responsible for their own travel and hotel reservations and any cancellations as applicable.  The Registrant shall be informed at the time of registration about any available hotel/room reservation procedures for the specific BAFT Event.  BAFT is not responsible for the Registrants individual hotel reservation, travel reservations, cancellations, or any ancillary costs, including travel expenses, associated with the BAFT Event.
   8. 1.7. RELEASE. During the BAFT Event, Registrant may choose to participate in an optional physical activity that may pose some inherent risk to person or property (“Activity”) and acknowledges that Registrant may need to execute additional releases or documents prior to participation. Registrant warrants and represents the acknowledgement and assumption that there is risk involved to my person, property, or to others by participating in such Activity. Therefore, Registrant agrees, on behalf of Registrant, their employer and its direct or indirect parents, subsidiaries, affiliates, divisions, successors, predecessors and assigns (the “Releasors”), to completely and irrevocably releases and forever discharges BAFT, and their direct or indirect parents, subsidiaries, affiliates, divisions, directors, officers, employees, representatives, attorneys, agents, successors, predecessors and assigns from all actions, causes of action, suits, claims, demands, or any action of similar nature whatsoever, in law or equity which Releasors ever had, now have or hereafter can, shall or may have ever existed that is related to the Activity. Registrant agree to indemnify, defend, and hold the BAFT harmless from all actions, causes of action, suits, claims, demands, or any action of similar nature whatsoever, in law or equity, which the Releasors ever had, now have or hereafter can, shall or may have ever existed that is related to or arose from the Activity. Registrant warrants and represents to BAFT that Registrant has not sold, transferred, assigned, mortgaged, or otherwise alienated any of the claims released herein related to the Activity; that no person other than the Releasors granting such release has an interest in any such claim; and that the Releasors granting such release has full power and authority to do so. This Release shall survive the termination or expiration of this Agreement.

2. 2. LEARNING MANAGEMENT SYSTEM (“LMS”)
   REGISTRATION ACCESS TERMS AND CONDITIONS

   1. 2.1. REGISTRATION ACCESS. Please read this Section carefully as it is a legal agreement between BAFT and purchaser (individually, “Student” or collectively, “Licensee”). Licensee confirms compliance with the terms and conditions herein, which govern the use of and/or access to BAFT’s elearning courses (“Online Courses”) and the LMS for such Online Courses owned by BAFT or any third party that provides content under license agreement with BAFT (“Content Licensors”) (collectively, “Services”). ANY USE OF THE SERVICES, INCLUDING BUT NOT LIMITED TO ANY TRIAL USE, WILL CONSTITUTE LICENSEES ASSENT TO THIS AGREEMENT. Please print a copy of this Section for retention and future reference.
   2. 2.2. LICENSE GRANT AND OWNERSHIP. This Agreement conveys to the Licensee, a limited, nonexclusive, non-transferable license to use the Online Courses ordered by Licensee and made available directly to Licensee online, as set forth herein. This license is solely limited to the Services made available to Licensee, and is not an assignment of (i) any intellectual property rights that BAFT or its Content Licensors own in the Online Courses or other content provided by BAFT or other third party organizations (“other Content”), (ii) any derivative works that BAFT or its Content Licensors prepared or developed based upon the Online Courses or other Content, or (iii) any compilation works produced, advertised, marketed, promoted, or sold by BAFT or its Content Licensors that contain all or any part of the Online Course or other Content. Licensor acknowledges and agrees that BAFT owns all copyright and other intellectual property rights (including, without limitation, copyright, trademark, domain name, trade secret, and patent rights), to the Online Courses and other Content, including any structure or code licensed, developed, or created by BAFT , except for those portions of the Online Content or other Content which are owned by Content Licensors. Neither BAFT nor its Content Licensors are conveying to Licensee any intellectual property rights or any other right, interest or title to the Online Courses, to other Content, or to the LMS, and reserve all rights not expressly granted to Licensee. The term “all copyright and other intellectual property rights” shall extend to all media, whether now known or hereinafter invented, by all means, methods, and processes, whether now known or hereinafter invented, including complete and entire interactive rights, and the rights to prepare derivative works. Licensee agrees that it will not at any time assert or claim an interest in, or do anything that may adversely affect the validity or enforceability of, any intellectual property right belong to or licensed by BAFT.
   3. 2.3. ONLINE COURSES AND OTHER CONTENT.  BAFT’s Services include Online Courses, and may also include the additional other Content provided by BAFT and other third party organizations.
   4. 2.5. USE OF THE SERVICES LICENSED. Licensee is granted a limited license to use the LMS, the Online Courses and other Content in connection with the Student’s enrollment in such Services solely for personal, non-commercial use. Licensee may not, nor permit others to, otherwise copy, store in a retrieval system, transmit in any form by any means, rent, lend, disclose to third parties, sell, sublicense, alter and/or modify any materials from the Online Courses and other Content. The Online Courses and other Content may not be modified, copied, reproduced, published or distributed, in part or in total, in any context or format without the express written permission of BAFT. Licensee affirmatively acknowledges that the use of any form of hyperlinking to the Online Courses or other Content or any other type of disclosure, dissemination, or distribution by electronic or printed means to any third party separate from the intended user is strictly prohibited. If Students of the Licensee are issued a user ID or password, licensee agrees to hold the user IDs and passwords in strict confidence and will not reveal, share, loan or otherwise communicate any user ID or password to any other person. In the event Licensee becomes aware of or believes there has been any breach of this Agreement or of the Online Courses or other Content (for example, theft or unauthorized use of Licensee’s login or password), Licensee agrees to notify BAFT immediately. The Online Courses and other Content are not intended to provide legal, financial, tax, or accounting advice. Should such advice be desired, Licensee must seek the services of a competent professional.
   5. 2.6. PRIVACY POLICY FOR LMS ACCESS. BAFT values and respects the privacy of its members and users of its Services, and the security of Licensee’s personal and business data. BAFT will not disclose personally identifiable information associated with the use of the Services to any third parties not affiliated with BAFT, except to duly authorized investigative agencies for the limited purpose of investigating a good faith claim that a particular user has violated the restrictions on use of or access to the Services or except as otherwise affirmatively authorized by Licensee. The LMS tracks the participation and performance of the Student taking the Online Courses. A Student who enrolls in Online Courses as part of a multi-user license through their employer’s license agrees that their employer will have access to information on the Student’s participation and performance. A Student who self-enrolls for Online Courses directly with BAFT or through a BAFT Training Provider and who has their employer billed for the Online Courses agrees that information on their participation and performance shall be shared with the employer who was billed for the Online Courses, or the BAFT Training Provider for billing purposes. BAFT may collect user data in aggregated form (so that no user information is personally identifiable) to assist in market evaluation and for other purposes as reasonably determined by BAFT. Third Party platform and training providers may present Licensee with additional terms including, but not limited to, Terms of Use and Privacy Policies in order to gain access to the LMS or third party Content Providers. Licensee acknowledges that they have reviewed such provisions and their use constitutes acceptance of those terms. For all Services provided on BAFT’s LMS platform, Licensee acknowledges that personal information will be processed in accordance with the BAFT Privacy Policy located at https://baft.org/privacy-policy.

3. 3. GENERAL PROVISIONS.

   1. 3.1. MISCELLANEOUS. This is the entire Agreement between the BAFT and Registrant as to registration and attendance of the BAFT Event or BAFT and Licensee for the LMS Access and supersedes all other agreements, express or implied, written or oral, between the parties regarding such purchase of BAFT Offerings. No modification of, or amendment to, this Agreement shall be binding unless in writing and agreed to by both parties. Invalidity or unenforceability of one or more provisions of this Agreement shall not affect any other provision of this Agreement. Neither failure nor delay on the part of any party to exercise any right, remedy, power, or privilege hereunder nor course of dealing between the parties shall operate as a waiver thereof, or of the exercise of any other right, remedy, power, or privilege. Notwithstanding any of the above, BAFT may change any of the terms in this Agreement at any time and Registrant and Licensee shall be bound by such modified terms unless BAFT receives written notification of its objection to the same. When/if BAFT modifies the Terms of Service, the date at the top of the Agreement will be updated and reposted. Registrant and Licensee shall fully comply with all local, state, and federal laws, ordinances, mandates, rules and regulations, including but not limited to requirements of the host facility, virtual Platform, or public health and safety organizations, which are applicable to the BAFT Offerings.
   2. 3.2. TERM. The use of the defined “term” shall be used generally to relate to the start and end of the BAFT Offerings purchased with the specifics as set forth below.
      
      1. 3.2.1. FOR BAFT EVENTS. The term of this Agreement for all BAFT Events shall be from the submission of the registration until the end of the BAFT Event (“Term”).
      2. 3.2.2. FOR LMS REGISTRATION ACCESS. The term of this Agreement for all licenses to Licensee shall
         be for a period of twelve (12) months commencing as date of purchase (“Term”).
   3. 3.3. TERMINATION.
      
      1. 3.3.1. BAFT reserves the right to terminate this Agreement without notice prior to the expiration of the Term if, in its sole judgment, BAFT determines that purchaser of BAFT Offerings violated the terms of this Agreement and no refund shall be offered in this instance, as violations are a material breach of this Agreement. This Section shall be consistent with the specific cancellation provisions herein for the specific BAFT Offerings.
      2. 3.3.2. Upon termination of the LMS Registration Access, Licensee agrees not to further utilize or otherwise access the login and registration for the Services. If the Online Courses or other Content is made available to the Student through the employer’s license with BAFT, then BAFT offers the Services to Student who registers for Online Courses or other Content during the Term of the employer’s license (as part of the Group License and not the individual license as a Student). A Student who enrolls in the LMS through a multi-user license through their employer’s license, then the Student will have access to the LMS as determined by their employer during the term of the multi-user license. BAFT reserves the right to terminate this Agreement if the employer terminates its license or BAFT in its sole judgment determines that there has been a violation of the terms of this Agreement.
   4. 3.4. NON-DISCRIMINATION POLICY. BAFT reaffirms its standing policy of non-discrimination in employment and in all of its Offerings with respect to race, color, religion, national origin, sex, age, marital status, personal appearance, sexual orientation, gender identity or expression, family responsibilities, genetic information, disability, matriculation or political affiliation. In addition, the BAFT Offerings are operated on the basic principle of respectful treatment for all persons and, accordingly, are firmly committed to ensuring a harassment-free, positive learning environment for all its Registrants or Licensees.
   5. 3.5. CODE OF CONDUCT. BAFT’s expectation is that purchasers of BAFT’s Offerings share BAFT’s commitment to human rights, diversity, and equal opportunity in the workplace and shall without limitation:
      (i) cooperate and support BAFT’s commitment to a workforce and workplace based on respect and free of harassment and unlawful discrimination; (ii) recognize that BAFT embraces and encourages differences and other characteristics that make our employees, Registrants, Licensees, customers, members, participants, vendors and their representatives unique. BAFT will not tolerate discrimination or harassment as enumerated in Section 3.4 above and (iii) not engage in abuse whether physical or verbal or other forms of harassment or intimidation
      
      1. 3.5.1. Warranty. Purchaser of BAFT’s Offerings warrants that the behavior displayed online or in attendance at the BAFT Events shall (i) be in a manner consistent with all applicable laws and regulations, in accordance with the terms and conditions, including the code of conduct set forth in this Agreement, and (ii) not include any libelous, slanderous, or defamatory materials or statements or infringement of the copyright or other intellectual property rights of any third person, business, or corporation. Except for authorized sponsors, exhibitors, and faculty, purchaser of BAFT’s Offerings further warrant to not post or distribute any unsolicited or unauthorized advertising or promotional materials. All purchasers of BAFT Offerings shall not use any device, software or routine intended to damage or interfere with the proper working of any BAFT platform. Purchaser of BAFT Offerings agrees that in the event of any actual or suspected infringement of the BAFT’s intellectual property, including, but not limited to copyright rights of the BAFT, then Registrant or Licensee shall promptly report such infringement to BAFT. BAFT or its Content Providers/Licensors shall determine whether or not to institute any demand, suit, or action with respect to the infringement of its copyright rights. Purchaser of BAFT Offerings agrees to cooperate with any such demand, suit, or action. Purchaser of BAFT’s Offerings further warrants abiding by its own institutions’ rules regarding professional behavior and acknowledges that this code of conduct is in addition to and not in replacement of their employer’s policy.
      2. 3.5.2. Violations. It is the purchaser of BAFT’s Offerings responsibility to ensure that understanding and
         compliance with this Section and to inform BAFT contact (either on site or online) if any situation develops in violation of this Section. Upon notification to BAFT of a possible violation of this Section, then the BAFT contact will conduct an inquiry and provide a determination of consequences. Such determination shall be at the discretion of the BAFT contact and on a case-by-case basis. Purchaser of BAFT’s Offerings further agrees and acknowledges that violations of this Section may result in BAFT taking action, at its sole discretion on a case-by-case determination, including but not limited to, demand for a verbal apology, issuing a written reprimand, removal from a BAFT  Event or Platform immediately and without refund, disqualification from further business with BAFT, and/or reporting of the violation to the employer, security and law enforcement. Alternatively, any violations may be reported to the BAFT.
   6. 3.6. DISCLAIMER OF WARRANTY. The BAFT Offerings and its content is provided AS IS and without warranty. Neither BAFT nor its content providers/Content Licensors, faculty, or speakers warrant or guarantee that the foregoing will satisfy the  intended use by Registrant or Licensee or make any representations about the suitability of the BAFT Offerings or its content for the Registrant’s or Licensor’s requirements or about any content or information made accessible by the BAFT Offerings for any purpose.
   7. BAFT does not guarantee nor make any representations regarding the accuracy, completeness, timeliness, merchantability, or fitness for a particular purpose of the content contained within BAFT offerings. Further, BAFT and its content provider hereby disclaim all warranties not expressly made in this Agreement, including without limitation, non-infringement, the implied warranty of quality of computer programs, the implied warranty of informational content, the implied warranty of merchantability, the implied warranty of fitness for a particular purpose, and the implied warranty of system integration. BAFT does not warrant that the online courses or platforms will be uninterrupted or error free, or that the online courses or platforms are free of bugs, worms, viruses, and other defects. BAFT makes no warranties regarding the compatibility of the Online Courses or Platforms with the Registrant or Licensees employer’s hardware or software. This disclaimer of warranties shall survive the termination or expiration of this Agreement.
   8. 3.7. LIMITATION OF LIABILITY. BAFT and its content providers/Content Licensors shall not be liable for any indirect, incidental, special or consequential damages of any sort relating to this Agreement, or for loss of profits, revenue, or data, whether in an action in contract, tort, product liability, even if advised of the possibility of those damages. Reference therein to any specific product, process or service does not constitute or imply an endorsement, recommendation or favoring by BAFT, unless explicitly expressed. BAFT is not responsible for, and expressly disclaims all liability for, damages or any kind arising out of the use, reference to or reliance on, or performance of such content from the BAFT Offerings. This Limitations of Liability shall survive the termination or expiration of this Agreement.
      
      1. 3.7.1. For LMS Access. In no way limiting the generality of any of the foregoing, BAFT shall not be liable under any theory, for any damages suffered by any third party or any person, including but not limited to Licensee, or, if applicable, any authorized Student or client of a licensed employer, where such damages arise from the use of information in, or derived from the Online Courses or other Content. In any event, BAFT’s liability with respect to the Services provided herein shall not exceed the amount of aggregate payments from the Licensee during the Term of this Agreement, even if any term of this Agreement fails of its essential purpose.
   9. 3.8. INDEMNIFICATION. Purchaser of BAFT Offerings hereby indemnifies and will defend and hold BAFT harmless against all claims, damages, injuries or deaths, judgments, liabilities and expenses (including reasonable legal costs and attorney fees) arising from or in connection with Registrants or Licensees breach of this Agreement, misuse or negligence, or a violation or alleged violation of BAFT’s or its Content Providers/Licensor’s proprietary information, trademark, copyright, or other intellectual property rights. The obligation to indemnify will survive the termination or expiration of this Agreement.
   10. 3.9. GOVERNING LAW. This Agreement, and any disputes or disagreements concerning the BAFT Offerings shall be governed by and construed according to the laws of the District of Columbia, without regard to its choice of law rules. Any lawsuit filed regarding this Agreement must be filed in the United States District Court located in the District of Columbia, United States of America. This Agreement shall not be governed by the United Nations Convention on Contracts for the International Sale of Goods, the application of which is expressly excluded.
   11. 3.10. FORCE MAJEURE. BAFT shall not be liable or responsible to the Registrant or Licensee for any loss or damage for any delays or failure to perform due to causes beyond its  reasonable control and/or causes making it illegal, impossible, or commercially impractical to perform including, but not limited to: acts of God, strikes, work stoppage, labor dispute, health epidemics or the outbreak of disease in the host city, war, riots, flood, fire, sabotage, terrorist activity or a threat thereof, cancellation or restriction of commercial air travel or other curtailment of transportation preventing at least twenty five percent (25%) of attendees from traveling to the host city, order or restriction by any governmental authority, or any other circumstances of like character. This Agreement may be terminated or performance excused immediately by BAFT without penalty or liability for any one or more of such reasons.
       
       1. 3.10.1. In-Person BAFT Events. For any cancellation of in-person BAFT Event due to Force Majeure by BAFT, BAFT may offer Registrant the following options: (i) transfer the registration, at no cost, to another Event; or (ii) if available and being offered, select an alternative method of attendance (teleconference, video conference, webinar). The availability and delivery method of this option is at BAFT’s sole discretion, or (iii) select to receive a full refund of the registration fees. Please note that this policy governs the cancellation for the BAFT Event only and any Hotel reservations or supplemental costs (i.e. shipping) will need to be cancelled separate and apart from the Section either directly through the Hotel, the applicable registration housing vendor, or third-party vendor.
       2. 3.10.2. Exhibitors or Sponsors. For any cancellation of in-person BAFT Event due to Force Majeure by BAFT, BAFT may offer exhibitors and sponsors a refund, which will be pro-rata on any rental fee paid, less any legitimate expenses incurred by BAFT for advertising, administration and related costs.
       3. Cancellations under these circumstances must be made in writing and sent to [email protected].
       4. 3.10.3. Corporate Travel Ban. If the purchasing institution has announced a ban on all non-essential corporate travel, BAFT shall make case-by-case determinations regarding cancellation/refund options for Registrants. For all exhibitors and sponsors institution’s that have announced a ban on all nonessential corporate travel, BAFT will offer the ability to participate in an alternative method of delivery, if available, or allow exhibitor/sponsor to transfer the credit to another BAFT Event. BAFT reserves the right at its sole discretion to suspend, cancel or alter this policy at any time. Please contact BAFT Member Services at +1 771-999-7495 with any questions or concerns regarding this policy.
   12. 3.11. ASSIGNMENT. The purchaser of BAFT Offerings may not assign this Agreement in whole, or in part, without the prior written consent of BAFT. Any attempted assignment absent such consent shall be void.
   13. 3.12. COMPLIANCE WITH LAW. The purchaser of BAFT Offerings and BAFT acknowledges and agrees to fully comply with all applicable federal, state and local laws, ordinances, rules and regulations, which are applicable to the either party’s performance of this Agreement.
   14. 3.13. CONFIDENTIALITY. Each party acknowledges, to the extent applicable, that in the event that information supplied by the disclosing party and designated as proprietary and/or confidential and disclosed in connection with the BAFT Offerings (“Confidential Information”) is the proprietary information of the disclosing party. Further, the receiving party of any Confidential Information agrees: (i) to hold Confidential Information of the other party in strictest confidence; (ii) not to make use of Confidential Information of the other party other than to perform the obligations under this Agreement; and (iii) not to disclose Confidential Information of the other party to third parties except as directed by a party to this Agreement or as reasonably requested by third party providers of licensed content. “Confidential Information” will not include information that: (a) is in or enters the public domain without breach of this Agreement; (b) the receiving party previously possessed, or lawfully received from a third party without restriction on disclosure and without breach of a nondisclosure obligation; or (c) the receiving party develops independently, which it can prove with written evidence. Each party acknowledges that the other party will have the right to obtain injunctive relief in order to prevent irreparable harm to its Confidential Information.
   15. 3.14.INFORMATION SECURITY. To the extent applicable, Registrant and Licensee warrants and represents that it (i) shall maintain commercially reasonable information security policies; and (ii) shall only use service providers that have commercially reasonable information security policies in place. The purchaser of BAFT Offerings agrees and acknowledges that in the instance of any data breach or unauthorized release of personally identifiable information of BAFT’s potential or current personnel or members or BAFT confidential or proprietary information, the Registrant or Licensee shall comply with all applicable United States federal or state laws as well as the European Union General Data Protection Regulation, and other applicable international privacy laws. BAFT shall be notified in writing promptly after discovery of such breach.
   16. 3.15.BILLING INFORMATION. Any changes in billing information must be submitted to [email protected] and include all of the following information: contract description, contract value, names of signatories of contract for each party and dates of signature for each, current billing information, proposed billing information, and three authorized vendor representatives and contact information (phone AND email). Proposed changes will not be executed until all information has been submitted, verified and
       acknowledged by BAFT.
   17. 3.16. NOTICE. Any notices required or authorized to be given hereunder shall be deemed to be given when mailed by certified or registered mail, postage prepaid, as follows: To BAFT, Inc.: ATTN Legal Department, BAFT, Inc.  . For any questions about these terms and conditions, please send inquires to the address set forth above or contact BAFT Member Services at +1 771-999-7495  or [email protected] to be  directed to the appropriate contact.