Terms And Conditions

TERMS OF USE

AS USED HEREIN, THE TERMS "YOU" AND "USER" SHALL MEAN ANY VISITOR TO THE WEBSITE.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. When you use, access, or permit any other person(s) or entity to use or access the pages of the JPMorganChase Alumni Network website (the "Website"), you agree to the terms and conditions set forth herein ("Agreement"). We may amend or change this Agreement from time to time, in our sole discretion, by sending you written notice by electronic mail or by posting the updated terms on the Website. Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time, please discontinue your use of the Website. Your use of the Website after we have made such changes available will be considered your agreement to the change.

This Website is offered to former employees with two or more years of service at J.P. Morgan, Chase, JPMorganChase, or one of its heritage firms or subsidiaries (each or collectively, “the Firm”) who have retired or left in good standing as determined by the Firm.

You agree not to use the Website for any other purpose, including commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Website without our prior written consent.

You are strictly prohibited from unauthorized use of our systems or this Website, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted to this Website.

Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording. You are responsible for being familiar with the current version of this Agreement.

User Information

In order to access or use some parts of this Website, you may be required to submit certain personal information. Our information collection and use policies with respect to this Website are set forth in our Privacy Policy, which is incorporated herein by reference for all purposes. When submitting information to us, you agree to provide only true, accurate, current and complete information, and you accept all responsibility for all activities that occur during, or as a result of your access. By submitting personal information through this Website, you indicate that you understand and agree that such personal information may be used for some or all of the purposes described in our Privacy Policy, including but not limited to sending you communications as part of services provided through the Website, that submission of such information may result in the further processing of personal information you may have previously provided in other contexts to the Firm (as further described in our Privacy Policy), and that you have the requisite legal authority to provide the personal information to be processed for such purpose(s). We reserve the right, in our sole discretion and without notice to you, to terminate or to restrict your access to all or part of the Website for any reason, including, without limitation, for extended periods of inactivity.

Submitted Materials

Unless specifically requested, we do not solicit nor do we wish to receive any confidential, secret, or proprietary information or other material from you through the Website, by email or in any other way. Any information, creative works, demos, ideas, suggestions, concepts, methods, systems, designs, plans, techniques or other materials submitted or sent to us (including, for example and without limitation, that which you submit or post to our Website, or send to us via email) ("Submitted Materials") will be deemed not to be confidential or secret, and may be used by us in any manner consistent with this Agreement and our Privacy Policy. By submitting, posting, or sending Submitted Materials to us, you: (i) represent and warrant that the Submitted Materials are original to you, that no other party has any rights thereto, and that any "moral rights" in Submitted Materials have been waived, and (ii) grant us and our affiliates, subject to our Privacy Policy, a royalty-free, unrestricted, worldwide, perpetual, irrevocable, non-exclusive and fully transferable, assignable and sub licensable right and license to use, copy, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, display, make, sell and export such material (in whole or part) and/or to incorporate it in other works in any form, media, or technology now known or later developed. In addition, you agree to permit any other Website users to access, view, store, or reproduce your Submitted Materials for his or her personal, non-commercial use consistent with this Agreement. We cannot be responsible for maintaining any Submitted Materials that you provide to us, and we may delete or destroy any such Submitted Materials at any time.

RIGHT TO MONITOR AND EDITORIAL CONTROL

WE RESERVE THE RIGHT, BUT DO NOT HAVE ANY OBLIGATION, TO MONITOR AND/OR REVIEW USER SUBMITTED MATERIALS. WHILE WE ARE NOT RESPONSIBLE FOR ANY USER’S SUBMITTED MATERIALS, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY WITH RESPECT TO AND IN CONNECTION WITH ANY SUBMITTED MATERIALS, WE RESERVE THE RIGHT TO REMOVE ANY SUBMITTED MATERIALS UPLOADED BY YOU AND/OR TO SUSPEND OR TO TERMINATE YOUR ACCESS TO THE WHOLE OR ANY PART OF THE SITE WITHOUT NOTICE IF WE BELIEVE YOU ARE IN BREACH OF THIS AGREEMENT OR APPLICABLE LAW, OR FOR ANY OTHER REASON.

Anti-Trust and Competition Compliance Notice

We want to remind participants of the Alumni Program events of the following:

It must be kept in mind that the participants in the JPMorganChase Alumni group may be competitors or potential competitors.

It is the responsibility of each participant to ensure that at all times they understand and comply fully with their legal responsibilities and competition laws.

All parties acknowledge and agree that they must not discuss, disclose or exchange any commercially sensitive information in violation of competition/antitrust laws, rules or regulations including details of:

Pricing policies or price ranges, including inputs into pricing determinations
Other terms or conditions of sale, including discounts, credit terms or rates
Profitability levels, costs, specific spreads or mark-ups including current or future margins
Bidding or participation in bids, tenders, RFPs or RFQs
Specific customers, allocation of customers, territories, or markets/segments
Current and future strategy, such as product development plans or investment proposals

PRIVATE OR SENSITIVE INFORMATION ON PUBLIC FORUMS

IT IS IMPORTANT TO REMEMBER THAT COMMENTS SUBMITTED TO A FORUM MAY BE RECORDED AND STORED IN MULTIPLE PLACES, BOTH ON THE WEBSITE AND ELSEWHERE ON THE INTERNET, WHICH ARE LIKELY TO BE ACCESSIBLE FOR A LONG TIME AND YOU HAVE NO CONTROL OVER WHO WILL READ THEM EVENTUALLY. IT IS THEREFORE IMPORTANT THAT YOU ARE CAREFUL AND SELECTIVE ABOUT THE PERSONAL INFORMATION THAT YOU DISCLOSE ABOUT YOURSELF AND OTHERS, AND, IN PARTICULAR, YOU SHOULD NOT DISCLOSE SENSITIVE, PROPRIETARY OR CONFIDENTIAL INFORMATION IN YOUR COMMENTS TO OUR PUBLIC FORUMS.

Grant of License

This Agreement provides you with a personal, revocable, non-exclusive, non-transferable license to use the Website conditioned on your continued compliance with the terms and conditions of this Agreement. You may, on an occasional and irregular basis, print and download materials and information on the Website solely for personal and non-commercial use, for internal business use, provided that you do not obscure, alter, remove or delete any copyright or other proprietary notices contained in such materials and information. With the exception of the foregoing and except as otherwise expressly permitted herein, you may not modify, create derivatives of, copy, distribute, broadcast, transmit, reproduce, publish, license, transfer, sell, mirror, frame, "deep link", "scrape", data mine, or otherwise use any information or material obtained from or through the Website. Further, you may not post any content from the Website to forums, newsgroups, list serves, mailing lists, electronic bulletin boards, or other websites. You warrant that you will not use the Website for any purpose that is unlawful or prohibited by this Agreement, including but not limited to attempting or actually (i) disrupting, impairing or interfering with the Website, or (ii) systematically extracting data contained in the Website to populate databases for internal or external business use.

You further agree to not use the Website to: (i) upload, post, email or otherwise transmit any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, or hateful racially, ethnically or otherwise objectionable; (ii) "stalk" or otherwise harass another; (iii) harm minors in any way; (iv) impersonate any person or entity, including, but not limited to, our employees, officers, or directors, or falsely state or otherwise misrepresent your affiliation with a person or entity; (v) forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Website; (vi) upload, post, email or otherwise transmit any content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as "inside information," or proprietary and/or confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); (vii) download any file posted by another user of the Website that you know, or reasonably should know, cannot legally be distributed in such manner; (viii) upload, post, email or otherwise transmit any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of us or any other party; (ix) advertise or offer to sell or buy any goods or services for any business purpose, unless such area specifically allows such messages; (x) upload, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation; (xi) upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (xii) interfere with or disrupt the Website or servers or networks connected to the Website, or disobey any requirements, procedures, policies or regulations of networks connected to the Website; (xiii) violate any code of conduct or other guidelines which may be applicable for any particular area of the Website; or (xiv) intentionally or unintentionally violate any applicable local, state, national or international law, or any regulations having the force of law.

ELECTRONIC COMMUNICATIONS

YOU HEREBY CONSENT TO RECEIVE COMMUNICATIONS FROM US ELECTRONICALLY. YOU AGREE THAT ALL DISCLOSURES, NOTICES, AGREEMENTS, AND OTHER COMMUNICATIONS YOU RECEIVE FROM US ELECTRONICALLY SATISFY ANY LEGAL REQUIREMENT FOR SUCH COMMUNICATIONS TO BE IN WRITING. WE DO NOT ACCEPT ANY LIABILITY OR RESPONSIBILITY FOR EMAILS OR OTHER ELECTRONIC COMMUNICATIONS THAT ARE INTERCEPTED, GARBLED, LOST OR NOT RECEIVED.

Your Registration Obligations

In consideration of your use of the Website, you agree to: (i) provide true, accurate, current and complete information about yourself as prompted by the Website's registration form (such information being the "Registration Data") and (ii) maintain and promptly update the Registration Data to keep it true, accurate, current and complete.

Password

As part of the registration process, you must create a password and provide us with accurate, complete and up-to-date information. You agree to be solely responsible for the confidentiality and use of your respective password, as well as for any communications entered through the Website using your password. You will also immediately notify us if you become aware of any loss or theft of your password or any unauthorized use of your password. We reserve the right to delete or require you to change your password at any time and for any reason. A password is required to access or use certain parts of the Website. We may at our option change the parameters for the password used to access the Website without prior notice to you, and if we do so, you may be required to change your password. You agree to protect and keep confidential your password or other means of accessing the Website. If you believe someone may attempt to use or has used the Website without your permission, or that any other unauthorized use or security breach has occurred, you agree to immediately notify us.

Copyright notices

The works of authorship contained in this Website, including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by J.P. Morgan Chase & Co. or one of its subsidiaries. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without the owner's prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of the owner's proprietary rights. Except for any third party exchange data, you may download information and print out a copy for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.

COPYRIGHT POLICY

JPMC ("us" or "we") respects the intellectual property rights of others and we prohibit users from uploading, posting or otherwise transmitting through any application or website offered by us any materials that violate another party's intellectual property rights. When we receive proper Notification of Alleged Copyright Infringement as described below, we promptly remove or disable access to the allegedly infringing material and terminate the accounts of repeat infringers in accordance with the Digital Millennium Copyright Act.

Notification of Alleged Copyright Infringement: If you believe that your own copyrighted work is accessible through any website or application provided by us in violation of your copyright, you may provide our Designated Agent with a written communication as set forth in the Digital Millennium Copyright Act ("DMCA"), 17 U.S.C. § 512(c)(3) that contains substantially the following:

Identify in sufficient detail the copyrighted work or intellectual property that you claim has been infringed so that we can locate the material. For example, "The copyrighted work is my content that appears at http://www.mycontentpage.com/item1_qjofkrns123." If multiple copyrighted works at a single online site are covered by your Notification, you may provide a representative list of such works at that site.

Identify the URL or other specific location on the application or website provided by us that contains the material that you claim infringes your copyright described in Item 1 above. You must provide us with reasonably sufficient information to locate the alleged infringing material. For example, "The content at the following URL infringes on my copyright http://www.anothercontent.com/item2_hjdsi899."

Provide the electronic or physical signature of the owner of the copyright or a person authorized to act on the owner's behalf.

Include a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.

Include a statement by you that the information contained in your Notice is accurate and that you attest under the penalty of perjury that you are the copyright owner or that you are authorized to act on the owner's behalf.

Include your name, mailing address, telephone number and email address. You may submit your Notification of Alleged Copyright Infringement to our Designated Agent by fax, mail, or E-Mail as set forth below:

Designated Copyright Agent: Milan Jovanovic

JPMorganChase Bank, National Association

270 Park Avenue

New York, NY 10017

Phone: 2126228160

Email: ip.legal@jpmchase.com

If you send us a valid, written Counter Notification meeting the requirements described above, we will restore your removed or disabled material after 10 business days but no later than 14 business days from the date we receive your Counter Notification, unless our Designated Agent first receives notice from the party filing the original Notification of Alleged Copyright Infringement informing us that such party has filed a court action to restrain you from engaging in infringing activity related to the material in question. Please note that if you materially misrepresent that the disabled or removed content was removed by mistake or misidentification, you may be liable for damages, including costs and attorney's fees.

Repeat Infringer Policy: In accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law, we will terminate access to our website or application by users who are repeat infringers. We may also at our sole discretion limit access to our application and/or website and/or terminate the memberships of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Trademark notices

The trademarks, logos, service marks and trade names that may be displayed on the Website are registered and unregistered trademarks of J.P. Morgan Chase & Co. and other persons (collectively, the "Trademarks"), and may not be used unless authorized expressly on the Website, in this Agreement, or by the applicable Trademark owner. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Website without our written permission or that of the third party rights holder. Our use of third-party Trademarks does not, in itself, constitute an endorsement of any third party or its products or services.

Termination

We may terminate or suspend this Agreement, or terminate, suspend or limit your access privileges to the Website, in whole or part, at any time for any reason without prior notice. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this Agreement for all purposes.

Website content and materials

The content and material on this Site is for informational purposes only and is not intended as an offer or solicitation for the purchase of JPMC stock, any other security or any financial instrument, product or service. Any communication between us on this Site does not alter, change or supersede any of the agreements you may have with us as a customer.

You agree that you will not engage in any activities related to this Site that are contrary to applicable law, regulation or the terms of any agreements you may have with JPMC. Unauthorized use of JPMC's websites and systems or misuse of any information posted to a site is strictly prohibited.

Some of our other websites or pages within this Website may contain supplemental terms and conditions and additional disclosures and disclaimers, which are in addition to these terms and conditions, disclosures and disclaimers. In the event of a conflict, the supplemental terms and conditions and additional disclosures and disclaimers will govern for those sections or pages.

Materials and information posted on the Website may be printed for your use, provided, however, that third party exchange data, if any, may not be downloaded, printed or redistributed for any purposes whatsoever. Materials and information posted on the Website may not be duplicated, copied, re-disseminated or re-distributed to any other person or entity. Re-dissemination and re-distribution includes, without limitation, making any such materials and information available via the Internet or via any other electronic means of access. Users should not to disclose any confidential or proprietary information including Material Non Public Information. You should assume that information that you have about the Firm and its business, or about its past, present, or prospective clients, business partners, suppliers, directors, and employees, is confidential unless you are certain that it is not.

You agree that you will not use any robot, spider, other automatic device or manual process to monitor or copy the pages of the Website, data or the content contained herein or for any other unauthorized purpose without our prior expressed written permission.

We or our third party service providers may discontinue or make changes in the information, products or services described herein and/or on the website at any time without prior notice to you and without any liability. Any dated information is published as of its date only or, if no date is stated, the date of first posting. We do not undertake any obligation or responsibility to update or amend any information on this website. We reserve the right to terminate any or all website offerings or transmissions without prior notice to you. Furthermore, no distribution or solicitation is made by us to any person to use this website or the information, products or services in jurisdictions where the provision of this website and such information, products or services is prohibited by law.

Potential Disruption of Service

You are responsible for obtaining, installing, maintaining and operating all software, hardware or other equipment (collectively, "System") necessary for you to access and use the Website. This responsibility includes, without limitation, your utilizing up to date web-browsers and the best commercially available encryption, antivirus, anti-spyware, and internet security software. You are additionally responsible for obtaining Internet services via the Internet service provider of your choice, for any and all fees imposed by such Internet service provider and any associated communications service provider charges. You acknowledge that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks, including, but not limited to those we may disclose in our educational materials. You acknowledge that you are responsible for the data security of the Systems used to access the Website, and for the transmission and receipt of information using such Systems. You acknowledge that you use the Website for your convenience, have made your own independent assessment of the adequacy of the Internet and Systems and that you are satisfied with that assessment. We are not responsible for any errors or problems that arise from the malfunction or failure of the Internet or your Systems nor are we responsible for notifying you of any upgrades, fixes, or enhancements to, or for providing technical or other support for your Systems. Additionally, access to this Website may from time to time be unavailable, delayed, limited or slowed.

Links to other sites

Links to unaffiliated websites are provided solely as pointers to information on topics that may be useful to users of this Website, and we have no control over the content on such unaffiliated websites. If you choose to link to a website we do not control, we make no warranties, either express or implied, concerning your use of or inability to use such site, the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor do we warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. We do not guarantee the authenticity of documents on the Internet. Links to unaffiliated sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such sites, or any representation regarding the content at such sites and we expressly disclaim any such endorsement or representation. In addition, these third party websites may have a privacy policy or security practices different from this Website so it is important to read the policies of those sites before sharing your personal information.

Indemnity

You acknowledge and agree that you are personally responsible for your conduct while using the Website and agree to indemnify and hold us and our officers, directors, employees, agents and subcontractors harmless from and against any loss, damage, liability, cost or expense of any kind (including, but not limited to, reasonable attorneys' fees) that we may incur in connection with a third party claim or otherwise, in relation to your use of the Website or the use of the Website by anyone using your password or your violation of this Agreement or the rights of any third party (including, but not limited to, privacy rights). Your obligations under this paragraph shall survive termination of this Agreement.

LIMITATION OF LIABILITY

The website (including all information and materials contained on the website) is provided "as is" and "as available". We, our affiliates, and any third party service providers:

Are not providing any warranties and representations regarding the website;

Disclaim all warranties and representations of any kind with regard to the website, including any implied warranties of merchantability, non-infringement of third party rights, freedom from viruses or other harmful code, or fitness for a particular purpose;

Do not warrant the accuracy, adequacy, or completeness of the information and materials contained on the website and expressly disclaims liability for errors or omissions in the materials and information; and

Will not be liable for any delay, difficulty in use, computer viruses, malicious code or other defect in this website, any incompatibility between the website and the user's files and the user's browser or other site accessing program, or any other problems experienced by the user due to causes beyond our control;

Make no representation that materials on the website are appropriate or available for use in any particular locations, and access to them from territories where any of the contents of the webite are illegal is prohibited. If you choose to access the website from such locations, you do so on your own volition and are responsible for compliance with any applicable local laws. No license to the user is implied in these disclaimers. Nothing herein shall be construed as limiting or reducing our responsibilities and obligations to you in accordance with applicable laws and regulations. Under no circumstances will we be liable for any lost profits, lost opportunity or any indirect, consequential, incidental, special, punitive, or exemplary damages arising out of any use of or inability to use the website or any portion thereof, regardless of whether we have been apprised of the likelihood of such damages occurring and regardless of the form of action, whether in contract, warranty, tort (including negligence), strict liability, or otherwise.

Enforceability and Governing Law

In the event any of the terms or provisions of this Agreement shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. This Agreement shall be subject to any other agreements you have entered into with us. Your access to and use of the Website, and the terms of this Agreement are governed by the laws of the State of New York.

Any action against us arising from or relating to your access to and use of the Website and the provisions of this Agreement must be brought by you in state or federal court located in the State of New York, County of New York. You consent to the jurisdiction and venue of the state and federal courts located within the State of New York, County of New York, for the adjudication of all claims by us against you arising from or relating to your access to and use of the Website and the provisions of this Agreement.

Last Updated: September 2024