Terms of Use

1. Introduction

This website and its contents are the property of the Casualty Actuarial Society ("CAS"). This webpage sets forth the "Terms of Use" (TOU) that apply to the use of CAS websites and affiliated platforms, including the online community, the CAS Portal, Online Learning Center, and mobile event applications. By using CAS websites and affiliated platforms, you agree to be bound by these TOU. The CAS may revise these TOU at any time by updating this posting. The terms “You” and “User” are used to refer to anyone who is accessing CAS websites and affiliated platforms. Please also review CAS's Privacy Policy

If you do not wish to be bound by these TOU, do not use these sites and platforms.

2. Acceptance of Terms 

The CAS provides its service, subject to the following Terms of Use ("TOU"), which may be updated by the CAS or its representatives from time to time. The most current version of the TOU can be reviewed at any time through any of our family of websites. The TOU governs CAS members, candidates, affiliate organizations, vendors, and other users who have access to CAS websites and affiliated platforms, including the Online Community, Online Learning Center, the CAS Portal, and mobile event applications.

3. Ownership of Copyrights and Intellectual Property

The CAS is the proprietary owner of the entire contents of its websites, including the text, video, graphics, images, logos, button icons, code, and other materials and the text, content, and video included within the CAS Portal, Online Learning Center, Online Community, and mobile event applications. CAS grants no copyright or ownership interests to you or to any other user for any of the material and proprietary information referred to herein belonging to the CAS. The CAS reserves all rights to all content of CAS standards, guidelines, and all other CAS products, materials, and works of authorship.

Below are selected permitted and prohibited uses of CAS materials that are posted on CAS websites.

Permitted Uses of Materials

  • Anyone who is doing personal, noncommercial research may view, print, and temporarily store materials from the websites, provided that CAS’s copyright notices are not removed and that the reuse of material does not conflict with any of the prohibited uses below.
  • Anyone may share CAS materials by utilizing the “share” icons (displayed in conjunction with the website materials) on the websites. 
  • The CAS may grant open access license to users for selected CAS materials, and Users will be bound by such open access license terms.
  • The CAS may collaborate with selected partners to develop programs and initiatives which may involve the use of AI technology (“CAS AI Tool(s)”). These tool(s) may serve the purpose of assisting Users in researching CAS materials more efficiently. When using the CAS AI Tool(s), User agrees to accurately reference the CAS as the source and to acknowledge CAS’ ownership of intellectual property that is either an input or output of the CAS AI Tool(s). User shall only use the CAS AI Tool(s) in a manner that is consistent with personal and noncommercial purposes.
  • Any use other than as described above requires prior written permission from the CAS. Please contact the CAS at:

Casualty Actuarial Society

4350 Fairfax Dr, Suite 250

Arlington, VA 22203

Email: acs@casact.org

Prohibited Uses of Materials

  • 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 on CAS websites and affiliated platforms, including the Online Community, the CAS Portal, Online Learning Center, and mobile event applications without prior written permission from the CAS.
  • User agrees that materials may not be commercially exploited or sold to third parties without prior written authorization from the CAS.
  • 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 may not use materials or any CAS AI Tool(s) for developing or training generative AI tools, or for commercial purposes, without prior written permission from the CAS.
  • Additionally, User must not disrupt or interfere with the normal operation of CAS platforms—including spamming, overloading, or circumventing access controls—or use the educational materials or data in any way that violates intellectual property rights.

4. Description of Service 

The CAS websites and affiliated platforms, including the Online Community, the CAS Portal, Online Learning Center, and mobile event applications currently provide users with access to a rich collection of resources, including various communications tools, forums, file areas, and personalized content through online interfaces (the "Service"). Unless explicitly stated otherwise, any new features that augment or enhance the current Service shall be subject to the TOU.

User is responsible for obtaining access to the Service and that access may involve third party fees (such as Internet service provider or airtime charges).  User is responsible for those fees. In addition, User must provide and is responsible for all equipment necessary to access the Service.

5. Membership Directory

By accessing or using the CAS Member Directory (the “Directory”), you hereby accept and agree to be bound by the following terms and conditions. The CAS Member Directory and its contents are proprietary products of the CAS. The Directory’s data, including, but not limited to, names, addresses, email addresses, phone numbers, membership information may not be downloaded, republished, resold, disseminated, or duplicated, in whole or in part, for public or commercial purposes or for purposes of compiling mailing lists, both electronic and paper, or any other list of actuaries for any purpose whatsoever. The CAS reserves the right to monitor access to and use of the Directory to ensure compliance with these terms. Unauthorized use of the Directory or its contents may result in suspension or termination of access and may subject you to additional remedies and actions.

6. Registration Obligations 

In consideration of use of the Service, User agrees to the best of their abilities to: (a) provide current and complete information about themselves, their organization, and its users (such information being the "Registration Data") and (b) maintain and update the Registration Data to keep it current and complete. In addition, User understands that in order to keep them informed of the CAS business items and events, that the CAS will on a periodic basis send email-based communications to the Users notifying them of such items and events.  User agrees that receiving these emails is a part of their use of the Service. If you wish to update your user and communication preferences, please see the CAS Privacy Policy.

7. Member Account, Password and Security

User will receive a username and password as part of the Service's registration process. User is responsible for maintaining the confidentiality of the password and account and is fully responsible for all activities that occur under such password or account.  User agrees to (a) immediately notify the CAS or its representatives of any unauthorized use of User’s password or account or any other breach of security, and (b) ensure that User exits from its account at the end of each session. The CAS and its representatives will not be liable for any loss or damage arising from User’s failure to comply with this section.

8. Community Conduct 

User understands that all information, data, text, software, sound, photographs, graphics, video, messages or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated. This means that the User, and not CAS or its representatives, is entirely responsible for all Content that it uploads, posts, emails, transmits, or otherwise makes available via the Service. The CAS and its representatives do not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity, or quality of such Content.

User agrees to not use the Service to:

  • Upload, post, email, transmit or otherwise make available any Content that is unlawful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially or ethnically objectionable.
  • Harm minors in any way.
  • Impersonate any person or entity or falsely state or otherwise misrepresent its affiliation with a person or entity.
  • Forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service.
  • Upload, post, email, transmit, or otherwise make available any Content that User does not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).
  • Upload, post, email, transmit, or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party.
  • Upload, post, email, transmit, or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," or "pyramid schemes".
  • Upload, post, email, transmit, or otherwise make available any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, hijack, control, or limit the functionality of any computer software, hardware, or telecommunications equipment.
  • Disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real-time exchanges.
  • Interfere with or disrupt the Service or servers or networks connected to the Service.
  • Intentionally violate any applicable local, state, national, or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law.
  • Stalk or otherwise harass another.
  • Collect or store personal data about other users.

User acknowledges that the CAS and its representatives do not pre-screen Content, but that the CAS and its representatives shall have the right (but not the obligation) in their sole discretion to reclassify within the Service any Content that is available via the Service. Without limiting the foregoing, the CAS and its representatives shall have the right to remove any Content.

User understands that the technical processing and transmission of the Service, including its Content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

9.  Special Admonitions for International Use

Recognizing the global nature of the Internet, User agrees to comply with all applicable laws of the United States regarding online conduct and acceptable Content. Specifically, User agrees to comply with all applicable laws regarding the transmission of data exported from the United States or the country in which User resides.

10. Indemnity

User agrees to indemnify and hold the CAS and its representatives, their subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees harmless from any claim or demand, including reasonable attorneys' fees, due to or arising out of Content User submits, posts, transmits or makes available through the Service, or breach of the TOU.

11. No Resale of Service

User agrees not to reproduce, duplicate, copy, sell, resell, or exploit for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.

12. Dealings with Advertisers

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. User agrees that the CAS and its representatives shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.

13. Links

The CAS websites may provide, or third parties may provide, links to other World Wide Web sites or resources. Because the CAS and its representatives have no control over such sites and resources, User acknowledges and agrees that the CAS and its representatives are not responsible for the availability of such external sites or resources and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. User further acknowledges and agrees that the CAS and its representatives shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any third-party sites or resources, or any goods or services available on or through any such site or resource. The CAS websites also have links to resources on vendor sites.  User acknowledges that they are subject to the given vendor’s privacy policy and/or terms of use when they access those resources.

In the event of any conflict between CAS’s terms and the terms of third-party providers, User is required to adhere to the more stringent requirement. Notwithstanding the foregoing, as between the User and the CAS, the proprietary owner of all intellectual property remains the CAS.

14. CAS’s Proprietary Rights 

User acknowledges and agrees that the Service and any necessary software used in connection with the Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. User further acknowledges and agrees that Content contained in sponsor advertisements or information presented to User through the Service or advertisers may be protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws. Except as expressly authorized by the CAS and its representatives or advertisers, User agrees not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the Service or the Software, in whole or in part.

The CAS grants User a personal, non-transferable, and non-exclusive right and license to use the object code of its Software on their computer; provided that User does not (and does not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in, or otherwise transfer any right in the Software.  User agrees not to modify the Software in any manner or form, or to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Service. User agrees not to access the Service by any means other than through the interface that is provided by the CAS and its representatives for use in accessing the Service.

15. Disclaimer of Warranties

User expressly understands and agrees that:

  • Your use of the Service is at your sole risk to the extent permitted by law. The Service is provided on an "as is" and "as available" basis. The CAS and its representatives expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
  • The CAS and its representatives make no warranty that (i) the Service and information received through the Service will meet your requirements, (ii) the Service will be uninterrupted, timely, secure, error-free, or virus-free, (iii) any information that may be obtained from the use of the Service will be accurate or reliable, or (iv) any errors in the Software will be corrected.
  • Any material downloaded, viewed, or otherwise obtained through the use of the Service is done at your own discretion and risk and that you will be solely responsible for any damage to your computer systems and networks, or loss of data that results from the download, viewing, or use of any such material.

16. Exclusions and Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to User.

17. Special Admonition For Services Relating To Financial Matters

If User receives or requests any news, messages, alerts, or other information from the Service concerning companies, stock quotes, investments or securities, such information is provided for informational purposes only, and no Content included in the Service is intended for trading or investing purposes. The CAS, and its representatives and licensors shall not be responsible or liable for the accuracy, usefulness, or availability of any information transmitted or made available via the Service and shall not be responsible or liable for any trading or investment decisions made based on such information.

18. Notices

Notices to User may be made via email. The Service may also provide notices of changes to the TOU or other matters by displaying notices or links to notices to you generally on the Service. Any Notice that User is required or may desire to give to the CAS and its representatives under or in conjunction with the TOU or any agreement between the parties shall be made via email to acs@casact.org and shall be deemed to have been duly delivered based on the date that the electronic mail is received by the CAS mail servers.

19. Trademarks and Logos

All trademarks, service marks, trade names, or other words or symbols ("Marks") identifying the CAS and its representatives will remain such Party's exclusive property. Client agrees to not take any action that jeopardizes the other Party's proprietary rights or acquire any rights in the Marks. Except as specifically stated otherwise in an addendum or amendment hereto, no license to use any CAS logo or the logos of their representatives is granted in this section. 

20. Copyrights and Copyright Agents

The CAS and its representatives respect the intellectual property of others and require you to do the same. If a website visitor believes that its work has been copied in a way that constitutes copyright infringement, or its intellectual property rights have been otherwise violated through this Service, please provide the CAS with the following information:

  • an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
  • a description of the copyrighted work or other intellectual property that the copyright owner claims has been infringed;
  • a description of where the material that the copyright owner claims has been infringed is located on the Service;
  • The copyright owner’s address, telephone number, and email address;
  • a statement by the copyright owner or the owner’s agent that the copyright owner has a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
  • a statement by the copyright owner that the above information in the copyright owner’s notice is accurate and that the owner is the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

Upon receipt of such information, the CAS and its representatives, at its sole discretion, may perform an investigation and may take appropriate action if it desires.

21. General Information

The TOU and any Subscription Agreement between User and the CAS and its representatives constitute the entire agreement between User and the CAS and its representatives. This governs your use of the Service, superseding any prior agreements between you and the CAS and its representatives. The failure of the CAS or its representatives to exercise or enforce any right or provision of the TOU shall not constitute a waiver of such right or provision. If any provision of the TOU is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in this provision, and the other provisions of the TOU remain in full force and effect.

Effective Date: August 2025