Additional Terms and Conditions
CFP Board owns a family of certification marks, including, without limitation, CFP®, the federally registered CFP (with flame design) and CFP (with gold plaque design) marks, and CERTIFIED FINANCIAL PLANNER™. CFP Board owns a number of other marks in addition to its certification marks, including, without limitation, CFP BOARD® and LET’S MAKE A PLAN!®. CFP Board's trademarks may not be used absent express authorization from CFP Board. Unauthorized use or misuse of CFP Board's trademarks is strictly prohibited. CFP Board reserves the right to aggressively enforce its intellectual property rights to the fullest extent of the law.
Third-party product and service names found on the Sites may be trademarks of their respective owners. The absence of an identification of third-party marks or the lack of an attribution of ownership of such marks on the Sites should not be construed as any claim of rights by CFP Board.
Copyright © 2023 Certified Financial Planner Board of Standards Center for Financial Planning, Inc. All rights reserved
All information, documents and materials posted in the Sites are solely for the use of CFP Board users and may not be resold, republished, or copied, without the prior written consent of CFP Board. Information, documents and materials may be reprinted for educational and nonprofit purposes with CFP Board’s written permission. In addition, all information, documents and materials posted on the Sites are subject to change at CFP Board’s discretion without notice.
CFP Board may grant permission to use content or reprint additional copies of copyrighted materials upon a user's written request. In order to receive CFP Board's written consent, please complete the Copyright Permission Request form and CFP Board's Trademark Department will review your request and notify you by email if your request has been approved or if we require more information.
You may Download the Copyright Permission Request form (pdf) and send the completed form to CFP Board by mail or fax to:
Attention: Trademark Department
1425 K Street NW #800
Washington, DC 20005
License to Use Submitted Content
If you make any submissions to or communications on the Sites, including, without limitation, in the CFP Board Candidate Forum or any other areas that allow for public posting, you hereby grant CFP Board a perpetual, irrevocable, worldwide, royalty free, nonexclusive, and fully sub-licensable right and license to use, reproduce, distribute, and create derivative works of all such content you post to the Community. You warrant by sharing any such content that you own, control or otherwise have the rights necessary to share the content and to grant CFP Board the license set forth above.
Digital Millennium Copyright Act
CFP Board has implemented procedures for receiving written notification of alleged infringement of intellectual property rights and for processing such claims under the Digital Millennium Copyright Act (“DMCA”). If you become aware of content on the Sites that infringes on your copyright rights, please submit a written DMCA request to CFP Board to the following contact information:
Certified Financial Planner Board of Standards Center for Financial Planning, Certified Financial Planner Board of Standards, Inc.
1425 K Street, NW, #800
Washington, DC, 20005
Phone: (202) 379-2200
Fax: (202) 379-2199
Email: firstname.lastname@example.org with the subject line "Copyright Policy - DMCA Notification."
A written DMCA request must include the following information:
- A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
- Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
- Identification of the content that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the CFP Board to locate such content.
- Information reasonably sufficient to permit CFP Board to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted.
- A statement that the complaining party has a good faith belief that use of the content in the manner complained of is not authorized by the copyright owner, its agent, or the law.
- A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Any notice that fails to comply substantially with the provisions above shall not be considered as providing actual knowledge or an awareness of the infringement. Misrepresentations of infringement can result in liability for monetary damages.
If CFP Board removes your content in response to a copyright or trademark notice, we will notify you in writing. If you believe CFP Board has erroneously removed your content, you may file a counter-notice with CFP Board that must include the following information:
- Your physical or electronic signature;
- Identification of the content that CFP Board removed and where the content was located before it was removed;
- A statement of your belief that CFP Board removed the content as a result of a mistake or misidentification of the content removed; and
- Information reasonably sufficient to permit the CFP Board to contact you, such as your name, address, telephone number, and, if available, an electronic mail address.
- A statement in which you consent to the jurisdiction of the federal district court for the judicial district in which the address you provided is located.
Upon receipt of the counter notice, we will notify the complaining party that CFP Board may restore the content within 10 business days if the complaining party does not provide proof that they have filed an action to enjoin your use of the content.
Informational Purposes Only
The content provided through the Sites is for educational and informational purposes only. The Sites are not intended to provide tax, legal, accounting, financial, or professional advice. While the Sites may contain perspectives and opinions on matters related to the financial planning profession, such content is general in nature and does not necessarily take into account any individual’s specific professional or financial circumstances. Users are strongly encouraged to seek out qualified professionals that can provide advice on these issues specific to their own circumstances or those of their clients.
THE MATERIALS AND CONTENT CONTAINED IN THE SITES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND. CFP BOARD EXPRESSLY DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CFP BOARD DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED WITHIN THESE MATERIALS. PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. CFP BOARD MAY MAKE CHANGES TO THE SITES AT ANY TIME WITHOUT NOTICE. WHILE CFP BOARD STRIVES TO KEEP THE INFORMATION ON THE SITES ACCURATE AND CURRENT, CFP BOARD CANNOT GUARANTEE THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION. INFORMATION WITHIN THE SITES MAY CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CFP BOARD RESERVES THE RIGHT TO MAKE CHANGES, CORRECTIONS AND/OR IMPROVEMENTS TO THE INFORMATION CONTAINED WITHIN THE SITES, AT ANY TIME, WITHOUT NOTICE.
Limitation of Liability
YOUR USE OF AND BROWSING THE SITES ARE AT YOUR OWN RISK.
IN NO EVENT SHALL CFP BOARD NOR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF THE USE OF, OR INABILITY TO USE, THE WEBSITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, EVEN IF CFP BOARD OR OTHER PARTY HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Links/Third Party Websites/Advertising
CFP Board, in its sole discretion, may post the advertisements of third parties on the Sites. Your correspondence or any other dealings with advertisers found on the Sites are solely between you and such advertiser. You agree that CFP Board shall not be responsible for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such advertisers on the Sites.
Opening Account/Password Policy
Third-Party Content on the Sites
Certain portions of the Sites may contain content authored by third parties, including, without limitation, content available on forums designed for users to share information and opinions related to the financial planning profession. Views or opinions expressed in such third-party content belong solely to the authors or the relevant content and do not necessarily reflect the opinion of CFP Board. CFP Board does not endorse or guarantee the accuracy of any third-party content available through the Sites. Without limiting the scope or applicability of the Disclaimer and Limitation of Liability provisions above, you acknowledge that CFP Board is not responsible for any third-party content available through the Sites and that any reliance upon such content is done solely at your own risk.
Limitations on Use
CFP Board may from time to time monitor or review discussions, postings, transmissions and other information or material on the Sites; however, CFP Board is under no duty to do so and assumes no responsibility or liability arising from such matters nor for any error, defamation, libel, slander, omission, obscenity, pornography, or inaccuracy contained in any such discussion, posting or transmission.
Furthermore, you agree not to do the following:
(1) Restrict or inhibit any other user from using and enjoying the Sites. This includes, without limitation: (a) using, or attempting to use, any account without the owner's permission, (b) obtaining or soliciting another person's password or other personal information under false pretenses, or (c) impersonating another user or otherwise misrepresenting yourself to CFP Board, or other entities.
(2) Interfere (or attempt to interfere) with the operation of the Sites. This includes, without limitation, (a) interfering with, defeating, or circumventing any security function of the Sites, or attempting to do so, or (b) accessing, or attempting to access, any portion of the Sites that you are not authorized to access. Unauthorized access (or attempts) may subject you to civil and/or criminal penalties.
(3) Post, store, or transmit any unlawful, threatening, libelous, defamatory, obscene, inflammatory, pornographic, profane, or otherwise objectionable (as determined by CFP Board’s sole discretion) information or material. CFP Board will fully cooperate with any law enforcement authorities or court order requesting or directing CFP Board to disclose the identity of anyone posting any such information or materials.
(4) Post, store, or transmit any information or material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law.
(5) Post, store, or transmit any advertising, promotion, or solicitation of goods or services for commercial purposes except in any areas of the Sites specifically designated for such purpose (and subject to applicable rules.
(6) Use the Sites to post, store, or transmit any information or software that contains a virus, worm, Trojan horse, or other harmful or disruptive component.
(7) Use the Sites to post, store, or transmit materials in violation of another party's copyright, trademark or other intellectual property rights. You are solely responsible for determining whether any material you post, store, or transmit is subject to a third party's rights.
(8) Use the Sites for any unlawful purposes.
(9) Modify, adapt, sublicense, translate, resell, retransmit, reverse engineer, decompile or disassemble any portion of the Sites.
Waiver and Severability
Last Modified: December 3, 2020