Terms Of Use

USER AGREEMENT BETWEEN USER AND CYPRUS ASSOCIATION OF ACTUARIES

The Cyprus Association Of Actuaries (hereinafter referred to as the “CAA”) website is comprised of various Web pages operated by the CAA. The CAA website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein.  Please read these Terms carefully and contact us if you have any questions. Your use of the CAA website constitutes your agreement to all such terms, conditions, and notices. Our Services are also governed by our Privacy Statement, which includes the way personal data is collected, used and stored as well as our Cookies Policy.  These terms of use apply both to the Members and the Visitors of the website. “Visitors” are defined as any natural persons that visit or navigate through the CAA’s website at any time. “Members” are defined as any natural persons that are registered members of the CAA, belonging to one of the categories “Student/Associate/Fellow” and have a personal account on the CAA’s website. There are three types of membership (i) Student, (ii) Associate and (iii) Fellow. All the relevant details and information regarding each type of membership are listed in our website. Do not hesitate to contact us for any further information.

MODIFICATION OF THESE TERMS OF USE

The CAA reserves the right to amend and occasionally update these terms, conditions, and notices under which the CAA website is offered, including but not limited to the changes associated with the use of the CAA website. The CAA encourages you to periodically review these terms. In case we make material changes to these Terms of Use, we will provide notice to you through our services, or by emailing you, or by other means, to provide you with the opportunity to review the changes before they become effective and in case you disagree, enable you to object to the changes made and/or elect to close your account.  If you agree with the changes made and acknowledge the new content of the Terms of Use, you may continue the use of our services after we notify you about the changes effected, either by emailing you or after publishing the updated version of the Terms of Use. If you object to any of the changes you may close your account and stop using the services provided by our website. Your continued use after potential modifications are effected means that you are consenting to the updated terms.

LINKS TO THIRD PARTY WEBSITES

The CAA website Site may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of the CAA and the CAA is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. The CAA is not responsible for webcasting or any other form of transmission received from any Linked Site. CAA is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by CAA of the site or any association with its operators. By clicking on a Linked Site you are transferred onto that specific Site and the CAA accepts no responsibility for any possible data uses or terms of use of that Linked Site. MEMBERS OR VISITORS The services of our website are provided to Members registered with the CAA as well as to visitors to the present website. The services are not for use by anyone under the age of eighteen (18).

By creating an account of our website as a Member, you agree that you will use reasonable efforts to create and use a strong and secure password for access, which you will keep secure and confidential. You also agree that you will not transfer your account to any third party and that you are responsible for anything that happens to your account unless you close it or report misuse. 

  NO UNLAWFUL OR PROHIBITED USE As a condition of your use of the CAA website, you warrant to CAA that you will not use the CAA website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the CAA website in any manner which could damage, disable, overburden, or impair the CAA website or interfere with any other party's use and enjoyment of the CAA website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the CAA websites.

USE OF COMMUNICATION SERVICES

The CAA website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.  When agreeing to use a Communication service you agree to create a personal account on the website and make available the personal data that you disclose to all the Members of the CAA on this website. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  • Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
  • Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
  • Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
  • Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
  • Conduct or forward surveys, contests, pyramid schemes or chain letters.
  • Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
  • Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
  • Restrict or inhibit any other user from using and enjoying the Communication Services.
  • Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
  • Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
  • Violate any applicable laws or regulations.

The CAA has no obligation to monitor the Communication Services. However, the CAA reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. The CAA reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

The CAA reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the CAA’s sole discretion. Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. The CAA does not control or endorse the content, messages or information found in any Communication Service and, therefore, CAA specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized CAA spokespersons, and their views do not necessarily reflect those of CAA. Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials. MATERIALS PROVIDED TO CAA OR POSTED AT ANY CAA WEBSITE CAA does not claim ownership of the materials you provide to CAA (including feedback and suggestions) or post, upload, input or submit to any CAA website or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting CAA, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission. No compensation will be paid with respect to the use of your Submission, as provided herein. CAA is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in CAA’s sole discretion. By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE CAA WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. THE CAA AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE CAA WEBSITE AT ANY TIME. ADVICE RECEIVED VIA THE CAA WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION. CAA AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE CAA WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. CAA AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CAA AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE CAA WEBSITE, WITH THE DELAY OR INABILITY TO USE THE CAA WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE CAA WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE CAA WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CAA OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE CAA WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE CAA WEBSITE. SERVICE CONTACT : info@actuaries.org.cy

TERMINATION/ACCESS RESTRICTION

The CAA reserves the right, in its sole discretion, to terminate your access to the CAA website and the related services or any portion thereof at any time, without notice. GENERAL: To the maximum extent permitted by law, this agreement is governed by the laws of the Republic of Cyprus and you hereby consent to the exclusive jurisdiction and venue of the Cypriot Courts in all disputes arising out of or relating to the use of the CAA website. Use of the CAA website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and CAA as a result of this agreement or use of the CAA website. CAA's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of CAA’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the CAA website or information provided to or gathered by CAA with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and CAA with respect to the CAA website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and CAA with respect to the CAA website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the CAA website are: Copyright 2018 by Cyprus Association Of Actuaries and/or its suppliers. All rights reserved.

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners. The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred. Any rights not expressly granted herein are reserved.

TERMINATION

Both parties may elect to terminate this contract at any time with notice to the other party. On termination you lose the right to access or use our Services.

MISCELLANEOUS

These Terms together with the Privacy Statement and any amendments or any additional agreements you may enter into with the CAA, constitute the entire agreement between you. In case any provision of the present Terms is held to be invalid, the remaining provisions of these Terms will remain in full force and effect. No waiver of any term of the present Terms shall be deemed a further or continuing waiver of such term or any other term and failure of the CAA to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

CONTACT INFORMATION

We welcome your comments regarding these Terms of Use. If you believe that the CAA has not adhered to these Terms, or if you have any questions or complaints regarding the present Terms, or even wish to withdraw your consent, please contact the Cyprus Association Of Actuaries at  info@actuaries.org.cy or send a relevant letter to P.O.Box 23533, CY-1686, Nicosia, Cyprus. We will use reasonable efforts to promptly determine and remedy the problem or the question addressed. This contact information also applies to any notices under these Terms.