The first thing to keep in mind is that the communities we at ITL have created for you are intended to provide a platform for the smartest people with the best ideas to express those ides in an environment where that ideas can be vetted, discussed and rationalized.  These communities also exist to enable members to ask questions of others and receive guidance and counsel that is meaningful and allows the inquisitor to be better and make better decisions.  We like to refer to the ITL website as a “safe” place where respect is the operative word, every day.  At ITL we are a global network of people like you who through your vision and creativity are transforming an industry.  

ITL’s community policies are based on our belief that everyone has a right to free expression and that by talking openly with others we can all become better people and better professionals, and collectively transform the risk management and insurance industry into one that best meets the needs of the entire eco-system. We are committed to helping our members do the best they can for their jobs and businesses. To that end, we respect individual differences in philosophies, beliefs, opinions, and work styles, and we expect our community members to do the same.

To that end, ITL reserves all rights to participation of any individual or entity in this community and on the ITL website. ITL may at any time and for any reason suspend, revoke or in any other way at any time restrict any account for any reason or for no reason.  To make membership in our communities as useful and valuable as possible, we have compiled the following list of guidelines for participation in the communities and are additive to the list of Do’s and Don’ts found elsewhere herein or in the User Agreement.

  1. Honesty and Integrity.  Our members need to be real people, who provide their real names and accurate information about themselves. It is not okay to provide misleading information about yourself, your qualifications or your work experience, affiliations or achievements on ITL's service.  Don’t exaggerate your expertise or experience.  No false profiles. Please be you.  If we find that anyone abuses the fact that you provide such transparency about yourself, please let us know.  We will respond accordingly.

  • Your profile should include your name and a photo of your face, and some simple, clear details that let us all know a little bit about you, including your profession and location. If you do not upload a photo of yourself, an avatar will be automatically assigned as the computerized representation of yourself, like a headshot or image.
  • Remember this is a network! If you want to connect, communicate, collaborate, and be found by colleagues and friends, a more complete profile will help. You can edit your profile by visiting your profile page.
  • Using your company logo for an avatar is perfectly acceptable, but again, make sure somewhere on your profile is a spot to let people know the identity of the person behind the company profile if your member profile name is, for instance “ITL”. We like to encourage as much real-person interaction as possible, as opposed to interacting solely with a nameless, faceless brand. Your customers and clients would appreciate it, too.
  • You may use your member profile page to promote your company or business, including any links to company Web sites, blogs or contact information.
  • You may not alter your page so dramatically that it competes with any ITL-branded materials, including any and all advertisements posted by ITL, anywhere on the site. Such alteration of Web pages – which includes banner ad-like promotional materials running atop membership profiles – is strictly forbidden, subject to review and will be removed.
  • You may set up widgets to use as promotional materials on your member profile page, as long as the branding is clear that any and all material is solely that which you are providing and are not ITL created content or endorsements.

  1. Respect Others. Be respectful of the opinions of others.  This is not a place to belittle or demean anyone.  We don’t have to all agree, but we do have to allow those with a reasoned opinion or belief to have a voice.  Do not use ITL as a platform to shock or intimidate others, to share inappropriate images for the purpose of shocking others, or to promote or threaten violence or property damage, or for hate speech, acts like attacking people because of their race, ethnicity, national origin, gender, sexual orientation, political or religious affiliations, or medical or physical condition.   Obscene or pornographic images will not be tolerated.    ITL reserves the right to decide whether Content violates these Terms of Service for reasons other than copyright infringement, such as, but not limited to, pornography, obscenity, or excessive length. ITL may at any time, without prior notice and in its sole discretion, remove such Content and/or terminate a user's account for submitting such material in violation of these Terms of Service.

We do not want ITL to be used for illegal activities or to violate the rights of others. Don't use ITL's services to commit fraud. Before sharing or using someone else's copyrighted works, trademarks, private information, or trade secrets, please make sure you have the legal right to do so.

No flaming. Flaming is when someone posts deliberately hostile messages to the community or a member of the community. Perfectly intelligent people may disagree. Let the strength of your logic win the day, not emotions.  NO SCREAMING! Okay, I hope this is the last SHOUT we see on this site (unless it is a CHEER – a positive wahoo!).  A SHOUT (CHEER) IS WHEN YOU TYPE SOMETHING IN ALL CAPS. ITL is a place for reasonable, intelligent professionals to hold reasonable, intelligent discourse. There is no room for shouting.  CHEERing is ok.  No intimidating, bullying, discriminatory or hateful language. No personal attacks, harassment, insults or other verbal abuse.

A Discussion thread is more of a short topic or question posed to the community where replies are generally desired. You can also create a new topic for discussion or ask a question by clicking on the Start a New Discussion link. Here you can give it a title, write the discussion text/question and even upload file attachments if desired. We encourage you to pick a category that's applicable or general if none apply and to add tags that help people find your discussion!

  • You may include pictures or images in your posts. If you need help, please contact us for guidance on this.
  • You may include content from previously published, print or online, materials with proper attribution. If you can, provide a link to where the content originates.
  • Unlike a blog, which is more directed towards personal commentary, discussion threads are used to solicit feedback. There is no right or wrong application here.
  • Please review the “Self-promotion” section of these guidelines for more information.

  1. No Criminal Conduct.  Terrorists and those who engage in violent crimes are not welcome on ITL. It is not okay to use ITL's services to harass, abuse, or send other unwelcomed communications to people (e.g., junk mail, spam, chain letters, phishing schemes).. Also, don't use ITL's services to intentionally infect others with viruses, worms, or other software that can destroy or interrupt their data or computer devices. It is not okay to interfere or disrupt ITL's service.

We do not want ITL to be used for illegal activities or to violate the rights of others. Don't use ITL's services to commit fraud. Before sharing or using someone else's copyrighted works, trademarks, private information, or trade secrets, please make sure you have the legal right to do so.

  1. Respect ITL.  Please don't violate the rights of ITL. You can find more information about what this means in our User Agreement, but put simply, please don't use ITL's Services to wrongfully take data or information. It is not okay to suggest that you are affiliated with or endorsed by ITL when you are not, and it is not okay to violate ITL's intellectual property rights.

  1. No Self-promotion.  We understand the desire for members to use ITL as a way to promote themselves and their businesses. We want to encourage and foster this, but there are acceptable and unacceptable ways to do it.  So, no self-promotion or promotion of your company’s products, services or other offerings other than in the appropriate area as a paid service provider adhering to ITL’s rules and regulations for service providers. This means no advertising, press releases, spam, schemes, promotional materials or any other form of promotion of any kind unless expressly allowed in the User Agreement or a commercial offering of ITL.

  • You may not directly advertise or promote yourself en masse to the membership via messaging, in any comment, post, discussion thread, group, or any media, including both photos and videos. The content in question is subject to removal at ITL’s discretion. Additionally, this content should not resemble that which you’d normally find on a press release or advertisement or late-night infomercial.
  • The appropriate way to attract attention is to be a periodic contributor of valued content to the site. In the posts, discussion threads, photos, videos of groups started by you or fellow members, share your expertise, knowledge and thoughts with the group as you would with any client, without directly soliciting them for business as you do so, or promoting your business or company. Your knowledge should speak for itself and therefore build your reputation and brand at the site within the community areas.
  • In posts, photos, groups, discussion threads or videos, you are welcome to link back to your member profile page only. You may not include any contact information, including the name of your business, in these areas. Acceptable language includes “Please stop by my home at ITL” or “Visit my member profile page for more information about me.” Very often videos or photos contain brief, promotional language or text within them, which is acceptable, as long as the videos and pictures contain educational or useful material.
  • If you would like to advertise or promote your company, products or services to the membership at large, please contact us about those opportunities on ITL.
  • A serious violation is poaching or directly soliciting ITL members using ITL itself. We are not against competition. However, using the ITL internal email messaging, our technology or platform to post a self-promoting blog, discussion, or comment on any profile wall with the intent to solicit members to or advertise a competitive site is in violation of our community guidelines and you will be subject to an immediate ban, and open to legal prosecution.

More Guidelines for Community Participation (just in case we didn’t adequately cover it above)

  • Don't post any advertising, promotional materials, referrals, press releases, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation. Don't post with the intent to disrupt or disturb the community or to interfere with other members' use and enjoyment of our community.
  • Don't attack the character or damage the reputation of other members, name-call, insult, ridicule, harass, mock or otherwise verbally assault other members of this community. This is a professional network and all behavior should reflect accordingly.
  • Don’t bully or intimidate other members. Constructive criticism is welcome, but language that can be construed as belittling or rude is not.
  • Don't post anything hateful — including targeting race, class, gender, age, sexual orientation, religion, national origin, weight or disability.
  • Don't create a screen name to hide your identity while you are violating our guidelines.
  • Don't post or link to inappropriate content. Inappropriate content is anything ITL deems obscene or vulgar, harassing, humiliating, defamatory, libelous, untrue or invasive of someone else’s privacy. This content includes including graphics, images, stories, blog posts, discussion threads, events or videos.
  • Don't post anything you don't have the right to publish or violate any copyright or other proprietary rights in your posts. That includes published articles, images or videos, without the author or owner's permission.
  • Don't transfer issues or posts from one group to another with the intention of drawing negative attention to the post.
  • Don't hit and run. Please don't go to a group where you don't ordinarily post simply to point out the wrongness of another poster or group's actions, beliefs, or comments.
  • Don't post the same message more than once in multiple conversations.
  • Don't flood. This includes repeatedly "bumping" a thread, disrupting an online chat event by entering the same phrase over and over again, or otherwise using up bandwidth for no reason.
  • Don't post on behalf of banned members. If you do this, you may be banned without notice or warning.

Privacy Guidelines (Not to be confused with ITL’s Privacy Policy)

  • Never provide your password, telephone numbers, or home address to anyone online. Be very careful about responding to solicitations for interviews or research. Note, however, that ITL editors might invite you to respond to such solicitations from time to time.
  • Never divulge any private or personal information about another person online. That includes the person's real name or address, e-mail address, and any other personal information that the person has not asked you to make public. Don't forward or post private messages that someone has sent to you unless you have his or her permission. Only send e-mail to another ITL member if he or she has given you expressed permission. Please don't solicit other members' personal information.
  • The e-mail address you provide is for our use only, unless you provide it to other members. By accepting friendships on ITL, you take full responsibility for any e-mail you receive. ITL does not monitor such communications and will not intervene between members who use this function. The only way to keep from receiving undesirable e-mail is to remove the offending member from your friends list and not share your e-mail address.
  • ITL reserves the right to resend invitations by members, and will only resend invitations once per month. ITL will do its best to resend invitations only once.
  • Members of the ITL community sometimes organize donations, gift exchanges, reunions, and other offline activities. Such arrangements are private and are not sponsored, vetted, or hosted by ITL. You participate at your own risk.
  • If you're looking for subjects to interview or participants for a study, please get in touch to ask for permission before querying the members of the ITL community.

ITL welcomes any and all comments and feedback. Please contact us regarding the following situations:

  • Report any concern you have about our community.
  • Get help navigating the site or participating in our community.
  • Get clarification of these guidelines or any other aspect of our community.
  • Alert us to a violation of these guidelines.

Violations of Community Guidelines

If you violate the ITL community guidelines, expect to be contacted individually by community staff. Your actions may result in a warning, a suspension, or permanent banning from participation in our community.

  • ITL has adopted a “zero tolerance” policy when it comes to banning.  ITL will contact you directly to inform you of a violation of the community guidelines.  The consequences of a single violation can be anything up to and including being banned from the ITL website.  We reserve the right to handle each violation on a case-by-case basis and, if the situation warrants, to ban any member at any time, for any reason, with or without warning.
  • If you poach and solicit ITL members using ITL messaging, you may be prosecuted. We do not publicly discuss or announce warnings, suspensions or bannings.
  • If a thread that contains a violation of these guidelines has information that's useful to the original poster or other members of the site, it may be edited or locked.
  • However, if in our sole judgment a thread was created for the purpose of violating the guidelines, violates enough guidelines to be irredeemable, or contains no otherwise useful information, it may be removed.
  • Because of the size of our community, we can't monitor all posts on the site. If you see a message you believe violates our guidelines, please contact us.