Casualty Actuarial Society

Terms of Use

Terms of Use

This website and its contents are the property of Casualty Actuarial Society ("CAS") and any successor in interest. This web page sets forth the "Terms of Use" that apply to User's use of the website (the "Website"). Please also review CAS's Privacy Statement.

By using the Website, User agrees to be bound by these Terms of Use. CAS may revise these Terms of Use in its sole discretion at any time by updating this posting. The terms "User" and "Users" are used to refer to anyone who is accessing the Website.


Ownership of Copyrights, Trademarks and Other Intellectual Property

User acknowledges that CAS owns the copyright, trademark, and all other intellectual property rights to this Website and all content, samples, forms, materials and information ("Materials") provided on this Website unless otherwise expressly indicated.

User agrees not to remove, modify or obscure intellectual property information including copyright notices or other copyright management information appearing on the Website. All Materials on this Website are protected by international copyright, trademark and other laws. All rights are reserved by CAS, and User agrees not to copy, reproduce, download, disseminate, publish, or transfer content in any form or by any means, except with our prior written permission, or as permitted by us in a separate written agreement. Any unauthorized use is strictly prohibited.

Permitted and Prohibited Uses of Materials

Permitted Uses of Materials

Users may view, print, and temporarily store Materials from the website for personal, internal, or noncommercial use, provided: (i) that CAS's copyright notices are not removed and, (ii) that the reuse of Materials does not conflict with any of the prohibited uses below.

Prohibited Uses of Materials

  1. Except for the permitted uses above, User agrees not to reproduce, distribute, transmit (via print, fax, electronic, or other means), modify, alter, or create derivative works of the Materials contained in the Website without prior written permission from CAS.
  2. User agrees that Materials may not be sold to third parties without prior written authorization from CAS.
  3. User agrees that Materials may not be systematically stored on a server so as to substitute for the purchase of a subscription and/or license agreement to/for the Materials.

User Submissions & Disclaimer

The technical information contained herein is provided to CAS by members and nonmembers. By providing or posting information on the Website, User must grant, and User actually grants by agreeing to these Terms of Use, a non-exclusive, irrevocable, worldwide, perpetual, unlimited, assignable, sublicenseable, fully paid up, and royalty-free right to CAS to use and commercialize, in any way now known or in the future discovered, anything that User submits to CAS, without further consent, notice and/or compensation to User or any third parties. In addition, by posting information on the Website, User grants any other user the right to access, display, view, store, and reproduce this material solely for their personal use.

By submitting any information to CAS, User represents and warrants that the submission is accurate to User's best knowledge, not confidential, and not in violation of any contractual restrictions or other third party rights. CAS does not represent or guarantee the truthfulness, accuracy, or reliability of communications posted by users or endorses any opinions expressed by users. Use of such information is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficiency, and timeliness. User acknowledges that any reliance on material posted by other users will be at User's own risk. CAS is under no obligation to exercise control over any content User or others submit when using the Website.

CAS, including its employees and agents, assumes no responsibility for consequences resulting from the use of the information herein, or in any respect for the content of such information, including (but not limited to) errors or omissions, the accuracy or reasonableness of factual or scientific assumptions, studies or conclusions, the defamatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy, or personal rights of others. CAS is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, or reliance on such information. No guarantees or warranties, including (but not limited to) any express or implied warranties of merchantability or fitness for a particular use or purpose, are made by CAS with respect to such information.

CAS Discussion Forums

CAS provides Discussion Forums as a benefit and service. CAS does not exert editorial control over materials that are posted by Users or third parties to the website or materials that are sent by third parties to any other persons. CAS is not responsible for any material posted by a third party. CAS specifically disclaims any and all liability for any claims or damages which result from any postings by third parties. Please read the Discussion Forum Disclaimer and Guidelines for more information.

Prohibited Uses of Website & Website Security

Interference with Website operation: User agrees to not access or use the Website in any manner that could damage, disable, impair or cause undue burden on the Website and/or its host, servers, network, systems or other users. User agrees that User will not attempt to interfere in any way with the operation of the Website, that User will not transmit any virus or worm to the Website, that User will not use any spider, robot or any other automated mechanism to access the Website and/or its servers or systems, and that User will not engage in flooding, spamming, mail-bombing, crashing or otherwise sending unsolicited e-mail to other users of the Website. User further agree that User will not attempt to access data that is not intended for User's use, that User will not attempt to log on to a server or account that User is not authorized to access, and that User will not probe, scan or test the vulnerability of any system or network related in any way to the Website without authorization.

Alteration of Website content: None of the material contained on the Website (including all software, HTML code, and other code) may be reverse-engineered, disassembled, decompiled, transcribed, stored in a retrieval system, translated into any language or computer language, retransmitted in any form or by any means (electronic, mechanical, photo-reproduction, recordation, or otherwise), resold or redistributed without the prior written permission of CAS.

Violation of Website security: Users are prohibited from violating or attempting to violate the security of the Website. This site has security measures in place to protect the loss, misuse, and alteration of the information under CAS's control. Please see CAS's Privacy Statement for further details concerning the Website's privacy practices.

Compliance: User agrees to comply with all applicable laws, as well as with these Terms of Use. User agrees not to engage in any unlawful or commercial activity on the Website.

Waiver of Liability

User assumes all risks associated with dealing with other users with whom User comes in contact through the Website. Should a dispute arise between User and another user, User hereby agrees to release CAS from all claims, demand, and damages associated with such a dispute.

In no event shall CAS or any third parties mentioned on the website be liable for any damages whatsoever (including, without limitation, incidental and consequential damages, lost profits or damages resulting from lost data or business interruption) resulting from the use or inability to use the website and the material, whether based on warranty, contract, tort, or any other legal theory, and whether or not CAS is advised of the possibility of such damages.

No Warranties

Although an effort has been made to provide correct information, the content that is posted on the website may contain inaccuracies or typographical errors or could be out-of-date. CAS makes no warranties about the accuracy, reliability, completeness, or timeliness of the website, the material or other posted content, services, software, text, graphics, and links.

The website and material are provided on an "as is" basis without any warranties of any kind. CAS disclaims all warranties, whether express or implied, including the warranty of merchantability, fitness for a particular purpose, and noninfringement of copyright to the fullest extent permitted by law.

CAS does not warrant that the website will operate error-free or that the website and its server are free of computer viruses or other harmful mechanisms. If user use of the website or the material results in the need for servicing or replacing equipment or data, CAS is not responsible for those costs.

Inadvertent Error

CAS has done its best to insure that all information on the Website is accurate. If there is an error in information on the Website, it is inadvertent. Should an error be discovered, please notify CAS at, so necessary corrections may be made.

No Effect on Agreements

This Website shall be used for informational purposes only, and nothing on this Website shall be construed to add or modify terms to any existing or future agreements with CAS.


User agrees to defend, indemnify, and hold harmless CAS, its officers, directors, employees, members, and agents, from and against any claims, actions or demands, including without limitation reasonable legal fees, resulting from User use of the Website or User breach of the Terms of Use, including, without limitation, User submission of content that violates third party rights or applicable law. CAS shall provide notice to User promptly of any such claim, suit, or proceeding.

Access to Website

User accesses this Website at User's own risk. For Users accessing this Website from the EU, be aware that this Website uses cookies. Users may instruct their Internet browsers to opt out of accepting cookies, or not use this Website. User agrees to comply with all applicable rules and laws regarding the transmission of technical data exported from the country in which User resides.

CAS Member Directory Terms of Use

By using the CAS Member Directory, you hereby accept and agree to be bound by the following terms and conditions. The Directory and its contents are proprietary products of the Casualty Actuarial Society (CAS). The contents of this Directory may not, in whole or in part, be reproduced; republished; duplicated; disseminated; downloaded, entered into a computer database; used as part of or in connection with the preparation, revision, or confirmation of a commercial mailing, telephone, fax, email, or other marketing list; or otherwise utilized, in any form or manner or by any means, except for the user's individual use, or upon prior written permission by CAS on a limited case-by-case basis. The presence of CAS members in this Directory represents only that these individuals are members in good standing of the CAS; it does not represent their consent to receive any marketing or related communications.

Governing Law

The Website and these Terms of Use shall be governed by the laws of the Commonwealth of Virginia. By visiting and using the Website, User consents to the jurisdiction of the Virginia courts and User agrees to accept service of process by mail. User hereby waives any and all jurisdictional and venue defenses that might otherwise be available.