Terms of Use


Welcome to the ingarm.org website (the “Website”). This Website is provided solely to assist customers in gathering information related to financial education, research and resources. The terms “we”, “us”, “our”, the “Institute” and “INGARM” refer to the Institute for Global Asset and Risk Management, a non-profit corporation. The term “you” refers to the person visiting the Website and/or otherwise utilizing its services.

Use of this Website is conditioned upon your acceptance without modification of all the terms, conditions, and notices set forth below (collectively, the “Agreement”). By accessing or using this Website in any manner, you agree to be bound by the Agreement. If you do not accept all of these terms and conditions, please do not use this Website. It is your responsibility to periodically review the most current version of the Agreement. We reserve the right at any time, at our sole discretion, to change or otherwise modify the Agreement without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Agreement.


As a condition of your use of this Website, you warrant that (i) you are at least 18 years of age; (ii) you possess the legal authority to create a binding legal obligation; (iii) you will use this Website in accordance with this Agreement; (iv) all information supplied by you on this Website is true, accurate, current and complete, and (v) if you have a subscription, you will safeguard your subscriber account information and will supervise and be completely responsible for any use of your account by you and anyone other than you. We retain the right at our sole discretion to deny access to anyone to this Website and the services we offer, at any time and for any reason, including, but not limited to, for violation of this Agreement.


INGARM provides its subscribers with access to a wealth of financial resources including research, articles, newsletters, blogs, and educational materials as well as related products and services. Subscribers are granted a non-exclusive, non-transferable, revocable license (a) to access and use the Web site strictly in accordance with the Terms and Conditions; (b) to use the Web site and any content solely for personal, non-commercial purposes; and (c) to download or print articles, educational materials and other content for educational purposes only subject to all copyrights and trademarks.


Your license for access and use of any information, materials or documents from the Web site (collectively defined as “Content”) are subject to the following restrictions and prohibitions on use: You may not (a) copy, use, print (except for the express limited purpose permitted by the section titled “Access” above), republish, display, distribute, transmit, sell, loan or otherwise make available in any form or by any means all or any portion of the Content retrieved from the Web site; (b) use the Web site or any materials obtained from it to develop, or utilize as a component of, an information, storage and/or retrieval system, database, information base, or similar resource (in any media now existing or hereafter developed), that is offered for commercial distribution of any kind, including through sale, license, subscription, or any other commercial distribution mechanism; (c) create compilations or derivative works of any Content except as permitted by the section titled “Access” above; (d) use any Content in any manner that may infringe any copyright, intellectual property right, proprietary right, or property right of INGARM or any third parties; (e) remove, change or obscure any copyright notice or other proprietary notice or terms of use contained in the Content; (f) use the Web site for the purpose of gathering information for or transmitting unsolicited commercial email, email that uses invalid or nonexistent domain names or other deceptive addressing, or unsolicited telephone calls or facsimile transmissions; (g) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (h) deep-link to any portion of this Website for any purpose without our express written permission or otherwise incorporate any part of this Website into any other website without our prior written authorization; (i) use the Web site in a manner that violates any state or federal law regulating email, facsimile transmissions or telephone solicitations; and (j) utilize the Web site in violation of the laws or regulations of the United States.

You further are prohibited from posting or transmitting to or from this Website: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party.

You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Website. You acknowledge that INGARM may exercise its rights (e.g. use, publish, delete) to any content you submit without notice to you.


INGARM reserves the right to monitor use of the Web site to ensure compliance with this Agreement. If INGARM, in its discretion, determines that a user is not in compliance with this Agreement, INGARM reserves the right to take such action as it deems necessary, including but not limited to suspension of user privileges or membership and/or Termination of the account.


Any information submitted on the INGARM Web site is subject to the Privacy Policy, the terms of which are incorporated herein. Please review the Privacy Policy to understand our practices. To understand our practices please visit Privacy Policy.


You can find the specific details regarding your subscription to INGARM
at anytime by logging into your Account via the link located on the INGARM Web site. Subscribers have access to all research, resources and other information within the INGARM Resource Library.

By becoming a Subscriber of INGARM, you are expressly agreeing that INGARM is permitted to bill you a subscription fee, as well as any applicable taxes, either a charge or debit, as applicable, against your Payment Method. The subscription fee will be billed at the beginning of your subscription and monthly thereafter unless and until you cancel your subscription. All fees and charges are nonrefundable and there are no refunds or credits for subscription fees either for full or partial. INGARM may change the fees and charges in effect, or add new fees and charges from time to time. Advance notice of changes to fees and charges will be provided to subscribers via e-mail and posted on the INGARM website. Payment Method information may be edited by logging on to your account at the INGARM website.


You may cancel your subscription at any time, and cancellation will be effective immediately. WE DO NOT PROVIDE REFUNDS OR CREDITS. To cancel, email info@ingarm.org or send correspondence to INGARM, Subscriptions, 29 South Pleasant Street, Amherst, MA 01002 and include your first and last name, email address and username.


This Website may contain hyperlinks to websites operated by parties other than INGARM. Such hyperlinks are provided for your reference only. We do not control such websites and are not responsible for the content, accuracy or opinions express in such Web sites, and such Web sites are not investigated, monitored or checked for accuracy or completeness by INGARM. Further, it is up to you to take precautions to ensure that whatever links you select or software you download (whether from this Website or other websites) is free of such items as viruses, worms, trojan horses, defects and other items of a destructive nature. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.


All contents of this Website are ©2009 Institute for Global Asset and Risk Management. All rights reserved. All materials published on ingarm.org (including, but not limited to articles, materials, research, blogs, newsletters, and other documents and information, also known as the “Content”) are protected by copyright, and owned or controlled by INGARM, ingarm.org, or the party credited as the provider of the Content. You shall abide by all restrictions contained in this Agreement and set forth above in the section titled “Restrictions” as well as all additional copyright notices, information, or restrictions contained in any Content accessed through the Web site.

You may download or copy the Content and other downloadable items displayed on the Service for personal use only, provided that you maintain all copyright and other notices contained therein. Copying or storing of any Content for other than personal use is expressly prohibited without prior written permission from INGARM or the copyright holder identified in the copyright notice contained in the Content. INGARM and the INGARM logo are either registered trademarks or trademarks of INGARM in the U.S. and/or other countries. Other logos and product and company names mentioned herein may be the trademarks of their respective owners.


This Website is operated by a U.S. entity and this Agreement is governed by the laws of the State of Massachusetts, USA. You hereby consent to the exclusive jurisdiction and venue of courts in Hampshire County, Massachusetts, USA, in all disputes arising out of or relating to the use of this Website. Use of this 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, or employment relationship exists between you and INGARM as a result of this Agreement or use of this Website.

Our performance of this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement limits our right to comply with law enforcement or other governmental or legal requests or requirements relating to your use of this Website or information provided to or gathered by us with respect to such use.

If any part of this Agreement is found to be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions will not in any way be affected or impaired.

This Agreement (and any other terms and conditions referenced herein) constitutes the entire agreement between you and INGARM with respect to this Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, with respect to this 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 and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of the Web site and the Content and all materials provided therein.