Terms of Use
Northern Trust Alumni Network Terms & Conditions
Revision Date: 28.05.2026
IMPORTANT NOTICE: THIS AGREEMENT INCLUDES AN AGREEMENT TO MANDATORY ARBITRATION AND A JURY WAIVER, WHICH MAY APPLY TO YOU, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. IF APPLICABLE, YOU CAN OPT OUT OF THIS PROVISION BY FOLLOWING THE STEPS OUTLINED IN THIS AGREEMENT.
ACCEPTANCE OF AGREEMENT
When you check the box and click on the "Continue" button below, you agree to these Northern Trust Alumni Network Terms & Conditions (this “Agreement”) to form and constitute a binding agreement between you and The Northern Trust Company, an Illinois state bank, with offices at 50 S. LaSalle Street, Chicago, IL 60603 (“Northern”, “Northern Trust”, “we”, or “us”); and you consent to receive this Agreement and amendments hereto in electronic form. You are referred to herein as “you” or “user”.
This Agreement governs your access to and use of the Northern Trust Alumni Network website (available at alumni.northerntrust.com) which allows you to access Northern Trust-related content and resources, including firm updates and communications, invitations to alumni events and programming, the ability to create, maintain, and view alumni profiles, and other information intended to foster connection and engagement among Northern Trust alumni and the firm (the “Alumni Network”). By accessing the Alumni Network, including any or all components thereof, you agree to be bound by this Agreement. If you do not agree to all or any portion of this Agreement, you must exit the Alumni Network webpage and not access the Alumni Network.
You agree to not use Alumni Network to commit fraud, violate applicable law, create liability for us or interfere with or disrupt the operations of the Alumni Network.
This Agreement and the Alumni Network may be changed from time to time by Northern, in whole or in part, for legitimate reasons or compliance with legal obligations, including introducing new content or features, or providing updates or enhancements to the existing Alumni Network. Northern will post any such changes to this Agreement in an updated version of this Agreement where the Alumni Network is hosted, and you may be asked to accept the revised Agreement and click on the “Continue” button under such revised Agreement for continued access to and use of the Alumni Network. You may continue to access the Alumni Network only if you accept and agree to the revised Agreement. If you do not agree to all or any portion of the revised Agreement, you must discontinue your use of the Alumni Network. All revisions are effective when posted and accepted by you on the Alumni Network and shall apply to all access and use of the Alumni Network thereafter. You are responsible for regularly reviewing this Agreement. You can view the current version of the Agreement at any time via a link on the Alumni Network.
YOUR CLICKING ON THE “CONTINUE” BUTTON, AND YOUR CONTINUED USE OF THE ALUMNI NETWORK, AFTER THE EFFECTIVE DATE OF ANY POSTED REVISIONS, WILL CONSTITUTE AN ON-GOING ACCEPTANCE OF AND AGREEMENT TO BE BOUND BY THE TERMS OF THIS AGREEMENT, AS SO AMENDED. IF AT ANY TIME YOU DO NOT WISH TO CONTINUE TO ACCEPT THIS AGREEMENT, YOU MUST CEASE USING OR ACCESSING THE ALUMNI NETWORK.
BASIC PROVISIONS
Purpose of the Alumni Network. The Alumni Network is made available to you on a voluntary basis and intended solely as a convenient platform to access information about Northern and Northern alumni.
Use of the Alumni Network. Subject to and conditioned on your compliance with this Agreement, Northern hereby grants to you a limited, revocable, nonexclusive, non-assignable, non-sublicensable license and right to access and use the Alumni Network solely for the proper purposes set forth in this Agreement including in paragraph II(a) above. The Alumni Network is made available to you on an unsolicited basis.
Restrictions. Except as expressly authorized under this Agreement, you shall not (and shall not permit or cause others to):
access, use, modify, copy, duplicate, reproduce, transmit, or create derivative works of the Alumni Network;
permit or assist any third party to access the Alumni Network;
license, sublicense, sell, transfer, assign, rent, lease, or distribute the Alumni Network to third parties;
host the Alumni Network for the benefit of unaffiliated third parties in a service bureau or timesharing mode;
attack, defeat or work around any technical security restrictions designed to prevent unauthorized use of the Alumni Network, or disassemble, decompile or otherwise reverse engineer the Alumni Network, or attempt to do any of the foregoing or to derive any of the source code for the Alumni Network site, in whole or in part;
use the Alumni Network in a manner, as determined by Northern in its sole discretion, that is likely to damage, disable, overburden (exceeding the fair use policy), impair the Alumni Network or interfere in any way with the use or enjoyment of the Alumni Network by others or which exceeds reasonable request volume, constitutes excessive or abusive usage, or otherwise fails to comply or is inconsistent with any part of the Northern’s associated documentation;
interfere with or disrupt the Alumni Network, including by transmitting any virus, worm, defect, trojan horse, software bomb, or other harmful or malicious activity, code, or feature;
communicate any message or material that is defamatory, harassing, libelous, threatening, or obscene;
upload or otherwise transmit on or through the Alumni Network content that is subject to any third-party rights unless any holder of such rights has given express written authorization for distribution on the Alumni Network, or use the Alumni Network in a way that violates or infringes upon intellectual property rights or privacy or publicity rights of any person or entity;
use the Alumni Network to create any service, software, or documentation that is the same as or has similar functionality to the Alumni Network;
permit other individuals or entities to create Internet “links” to the Alumni Network or “frame” or “mirror” the Alumni Network on any other server or wireless or Internet-based device;
remove or alter any proprietary notices or labels on or in the Alumni Network;
use the Alumni Network in any manner that may be unlawful (or cause or may cause Northern to violate any law) or give rise to civil or criminal liability or in violation of any export law or regulation;
use any automated process or service (such as a bot, a spider, or periodic caching) to access or use the Alumni Network;
use the Alumni Network to communicate any Content (as defined below in Section III(a)) that is defamatory, harassing, libelous, threatening, obscene, discriminatory, or unlawful;
use the Alumni Network to disseminate or promote terrorism or terrorist activities;
use the Alumni Network to disseminate material that may infringe upon legally protected social rights and freedoms of a person(s) (collectively, ‘human rights’) or as defined by laws or other legal norms; or
engage in any advertising or solicitation using the Alumni Network, unless expressly permitted by Northern (such as via designated job posting functionality, etc.).
Access; Authentication; Security. During creation of your online user account or when taking certain other actions requiring additional security measures, you may be required to authenticate your identity and provide other application information requested upon log in. We may use a variety of security measures to protect access to the Alumni Network, which may include, but are not limited to, single sign-on, multifactor authentication tools, or through codes sent to you through your choice of a phone call or text message (in which case you acknowledge and agree that Northern may use the phone number provided by you or otherwise associated with your account (if applicable) to send such security code through phone call or text message) (collectively, “Authentication Methods”). The Authentication Method may be provided by a third party, and Northern is not responsible for any losses, damages, claims, or other issues arising out of or relating to the Authentication Method, except as limited by applicable law or regulation. Northern may designate a new Authentication Method or remove the requirement to use an Authentication Method in its sole discretion. Use of the Authentication Method will be governed by the separate terms and conditions of the applicable Authentication Method. You agree that the foregoing access procedure is reasonable and accept such access procedure. Your user identification, passwords, and other login information are confidential and for your personal use and should not be disclosed to any other person, including anyone purporting to be from Northern. You shall establish and maintain your own reasonable procedures to protect the confidentiality of your user identification and passwords, and similar login information, and to prevent their unauthorized use. Subject to applicable law, you are responsible for all authorized and unauthorized use of the user identification, passwords and other login information, and you hereby acknowledge and consent to Northern's reliance on the fact that any person using the foregoing access procedures is authorized by you to do so and that person may access the services offered through the Alumni Network on your behalf. Except as limited by law, we have no duty to investigate the authority of any person (other than our employees and agents) who gains access to your accounts through the Alumni Network. Contact us immediately if you believe that someone has obtained your user identification or passwords or may have access to your accounts without your permission. We will not be responsible for any breach of privacy or financial loss caused by your failure to maintain the confidentiality of your user identification or passwords, except as limited by law or regulation. NORTHERN WILL NOT BE LIABLE OR RESPONSIBLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH THIS PARAGRAPH TO THE FULLEST EXTENT PERMITTED BY LAW.
Northern has established security procedures for the protection of information available through the Alumni Network. However, the security of this information depends in part on the security of the device that you use to communicate with Northern, the security that you use to protect identification numbers and passwords, and the security provided by your Internet service provider. You acknowledge that you have reviewed the Northern Trust Online Services - Security Overview and agree that the security procedures described therein and in this Agreement are acceptable and reasonable.
Northern reserves the right, in its sole discretion, to suspend, discontinue, or limit access to the Alumni Network or any portion thereof at any time, for any reason or no reason, with or without notice. Such actions may be taken for purposes including, but not limited to, security concerns, scheduled or unscheduled maintenance, system updates, technical issues, or any other operational considerations that Northern deems necessary or appropriate. Northern generally performs standard maintenance during weekend hours; however, Northern does not guarantee any specific maintenance schedule and may perform maintenance or take other actions affecting Alumni Network availability at any time.
Identity Theft. We will not send you any emails asking you for personal information in order to access this Alumni Network. Please inform us if you receive any such emails which appear to come from us.
Termination; Suspension.
We may terminate this Agreement, or we may terminate your participation in the Alumni Network, or limit or cancel the Alumni Network for any reason at any time. We will try to notify you in advance, but are not obligated to do so. Any indemnities given by you and limitations on our liability will survive such termination.
Under no circumstances shall termination of this Agreement or the Alumni Network give rise to any claim for compensation to you.
Upon any termination of this Agreement, all rights and licenses granted to you hereunder shall immediately cease and all such rights to use the Alumni Network shall revert to Northern, you shall immediately cease using the Alumni Network, destroy any copies (unless required to maintain by law or regulation), cancel login credentials, deactivate access to and cease accessing the Alumni Network, and return all Northern materials and Confidential Information to Northern.
NORTHERN MAY, AT ANY TIME AND WITHOUT NOTICE, REMOVE OR MODIFY ANY CONTENT OR OTHER MATERIAL STORED ON THE ALUMNI NETWORK. IN THE EVENT THAT YOUR ACCESS TO THE ALUMNI NETWORK IS TERMINATED, SUSPENDED, CANCELLED, OR REMOVED, YOU WILL NOT HAVE ANY FURTHER ACCESS. YOU AGREE THAT NORTHERN SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED, DIRECTLY OR INDIRECTLY, BY ANY SUCH TERMINATION, SUSPENSION, CHANGE, DISCONTINUANCE, OR REMOVAL TO THE FULLEST EXTENT PERMITTED BY LAW.
CONTENT; CONFIDENTIALITY AND PRIVACY; INTELLECTUAL PROPERTY
Your Content. You may, through your use of the Alumni Network, provide information, such as details for your alumni profile, or otherwise interact with the Alumni Network, such as responding to event invitations (collectively, your “Content”). You are solely responsible for your Content provided, uploaded, or otherwise submitted through the Alumni Network in connection with your account. You are fully responsible for all of your Content, and you shall not upload or otherwise transmit on or through the Alumni Network any information that is subject to any third-party rights unless the holder of such rights has provided you express written authorization for distribution on or through the Alumni Network. You are also responsible for any viruses or other harmful components you may transfer to us purposely or through any negligence on your part while using the Alumni Network.
You hereby grant to Northern the non-exclusive, worldwide, royalty-free right and license to exploit any and all intellectual property rights in and to your Content as is necessary for Northern to provide the Alumni Network and any other services Northern provides to you and to comply with Northern’s records retention policies and applicable law. You agree that any information that you provide on or through the Alumni Network does not create an obligation for Northern to provide you any payment or other remuneration.
You represent and warrant that you have all necessary rights, licenses, and consents (including records thereof) to provide your Content, and to grant your Content’s rights and license to Northern as contemplated herein and that your Content shall not (1) be illegal or illicit, (2) infringe the intellectual property rights or privacy rights of any person, (3) be false, misleading, inaccurate, or contain a virus or other harmful components, (4) be defamatory, libelous, harassing, obscene, or pornographic, or (5) violate any export restrictions. Northern does not have any obligation to, but reserves the right to monitor, audit, and/or remove data, content, or information (including messages) for any purpose sent over Northern’s network or the Alumni Network.
Materials. As between the parties, the Alumni Network, including any content on the Alumni Network (except for your Content), including but not limited to the screen formats, interactive design techniques, text and images and their arrangement, information, databases, report formats, formulae, software, systems, processes, know-how, programs, algorithms, methods, training guides, documentation and other information made available to you by Northern as part of the Alumni Network and through the use of the Alumni Network, and all copyrights, trade secrets, patents, trademarks and other intellectual property or proprietary rights (“Material”) of Northern, its licensors, and Third Party Service Providers (as defined below) are exclusively owned by Northern, its licensors, or Third Party Service Providers, and Northern or the applicable licensor or Third Party Service Provider shall retain all right, title and interest therein. Such items may be protected by U.S. and international intellectual property or proprietary rights laws. Except as expressly permitted herein, the Material may not be copied, posted, displayed, published, transmitted, or distributed in any way (whether electronically or otherwise), licensed, modified, downloaded, re-posted, reused, reproduced, sold, used to create other works based on it, or otherwise used for public or commercial purposes without the prior written consent of Northern. EXCEPT AS OTHERWISE SET FORTH IN THIS AGREEMENT OR AGREED TO BY NORTHERN IN AN EXPRESS SIGNED WRITING, YOU ACKNOWLEDGE AND AGREE THAT YOU HAVE NO INTELLECTUAL PROPERTY OR OTHER RIGHTS IN THE ALUMNI NETWORK OR ANY MATERIALS, REGARDLESS OF WHETHER SUCH ITEMS WERE PROVIDED BY NORTHERN, YOU, OR ANOTHER USER OF THE ALUMNI NETWORK.
Confidential Information. The Alumni Network and the databases, computer programs, APIs, screen formats, report formats, processes, systems, software, formulae, programs, records, files, documentation, technical, operational, administrative, economic, business and other information or Material made available to you by Northern through the use of the Alumni Network, excluding your account and transaction information and your Content, and all copyrights, trademarks, and service marks related thereto, are the exclusive, valuable and confidential property of Northern and its relevant licensors or Third Party Service Providers (“Confidential Information”). You agree to strictly maintain the confidentiality of Northern's Confidential Information with at least as great a degree of care as you use for your own confidential information, and at a minimum, you shall take necessary and reasonable precautions to prevent such information from being disclosed to any person, firm, or company not specifically permitted by this Agreement or specifically authorized in writing by Northern. You agree not to sell, transfer, publish, disclose, display or otherwise make available to others, nor to use any Confidential Information except to carry out the purposes for which Northern disclosed the Confidential Information to you. The foregoing shall not apply to Confidential Information that is in the public domain (through no wrongful acts) or required by law to be made public.
Feedback. Nothing herein shall prevent Northern from developing and distributing its own modifications to the Alumni Network based on your oral and/or written suggestions, requests, comments, or feedback (“Feedback”) or upon similar ideas or concepts developed by Northern. You acknowledge and agree that Northern may, and may permit Northern’s other licensees to, make, have made, use, have used, reproduce, license, distribute, and otherwise commercialize the Feedback in the Alumni Network or in other products, technologies, or materials without attribution, and without the payment of any royalties or fees to you. All Feedback becomes the sole property of Northern and may be used in any manner Northern sees fit, and you hereby assign to Northern all right, title and interest in and to any Feedback. Northern has no obligation to respond to Feedback or to incorporate Feedback into the Alumni Network or otherwise.
Privacy.
Privacy Notice. In order to provide the Alumni Network, we will gather some information that you authorize us to collect. Any information you provide to us will be processed in accordance with our Northern Trust Alumni Network Privacy Notice, which you may view at any time at [_________________________].
Use of Cookies. To provide better services to our customers and more effective delivery of the Alumni Network, Northern gathers and analyzes online data, including number of hits, pages visited, length of user session, etc., and uses "cookies". A cookie is a small piece of information stored by a web site on the user's browser which can only be read by the web site that set it. Depending on your location of residence, you may be able to customize your cookie preferences. You may obtain further information about Northern's use of cookies by viewing Northern's Cookie Policy located at https://www.northerntrust.com/united-states/cookie-policy.
MOBILE APPLICATION
E-mails and Notices. We may send you e-mail messages about the Alumni Network and the firm, including invitations to alumni or other events, articles and thought leadership, and information about Northern products and services that may be of interest to you. We will use any e-mail address you provide to us to send these communications. You may opt out of receiving certain communications by following instructions included within the relevant e-mails.
Data Security; Devices. If you access the Alumni Network through a mobile application (instead of directly through the site, via your web browser), your actions could harm the security of your data on the device. For example, if you jailbreak your device or allow your telecommunications carrier to unlock your device, your device's security may be impaired. We are not responsible for any security breaches which could have been prevented if the security of your device was not altered in such a manner. Additionally, functionality and user experience may differ when accessing the Alumni Network on mobile devices compared to desktop browsers. Northern is not responsible for any issues or limitations encountered on mobile devices.
Charges. No fees are assessed to you for the use of the Alumni Network; however, your mobile carrier's message and data rates may apply.
THIRD PARTY SERVICES
Service Providers. Northern may use third party service providers to provide data, support part of the Alumni Network, or provide necessary or inherent functions of the Alumni Network (“Third Party Service Providers”). Northern makes no representations and has no responsibility for the acts or omissions of Third Party Service Providers, including with respect to their security standards.
Third Party Software. The Alumni Networks may include third-party software, including code licensed to Northern for use and redistribution under open-source licenses (“Third-Party Software”). Northern may make available to you, through the Alumni Network, certain restrictions, disclosures and disclaimers in connection with the Alumni Network’s incorporation of Third-Party Software. Such information and licenses may be updated from time to time by Northern. Notwithstanding anything in this Agreement, the terms of such licenses may be applicable to your use of the Alumni Network.
THE WARRANTIES AND LIMITATION IN SECTION VI BELOW APPLY TO THIRD-PARTY SOFTWARE; AND NEITHER NORTHERN NOR ANY OF ITS AFFILIATES AND/OR THIRD PARTY SERVICE PROVIDERS ASSUMES RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH THIRD-PARTY SOFTWARE, INCLUDING, WITHOUT LIMITATION, WITH RESPECT TO ANY REPORTING OR OTHER OUTPUTS.
Links to Third Party Sites. Some of the sites listed as links herein will let you leave our server and are not under our control. Access to any other Internet site linked to Northern's web site or the Alumni Network is at the user's own risk and Northern is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these linked sites or the security of any data processed on such sites. We do not make any representations whatsoever concerning the content of those sites. The fact that we have provided a link to a site is NOT an endorsement, authorization, or sponsorship by us, or affiliation with us, with respect to such site, its owners, or its providers; we are providing these links only as a convenience to you. We have not tested any information, software, products or services found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, products or services found on the Internet; we caution you to make sure that you completely understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet. You may not create a link to any of our websites from any other site without our written consent.
Links to Other Northern Sites. The Alumni Network may include links to other Northern sites (such as sites where you may submit referrals or apply to job postings). Such links will let you leave the Alumni Network to access the other Northern sites. Such other Northern sites may be governed by additional terms and conditions included on such sites, and by visiting such sites, you agree to be bound by such terms and conditions.
WARRANTY, INDEMNIFICATION, AND LIABILITY
Warranty.
Northern has made reasonable efforts to keep the Alumni Network virus free but cannot guarantee or warrant that it is virus free. Northern expressly disclaims any representation that the Alumni Network is virus free. Northern encourages you to routinely scan your computer using a reliable virus protection product to detect and remove any viruses found.
You understand that the use of the Internet and other automated systems that provide you with access to the Alumni Network entails risks, including, but not limited to, interruptions of service, system or communications failures, delays in service, errors or omissions in information provided, errors in the design or functioning of the Internet and corruption of your data or systems, that could cause you substantial damage, expense or liability. Northern makes no warranty or representation as to, and you assume the risk of failure of, the telephone carrier, the Internet or other communications facility to transmit information accurately, timely, confidentially or at all between you or your designees and us.
YOUR USE OF THE ALUMNI NETWORK AND ALL INFORMATION AVAILABLE THROUGH THE ALUMNI NETWORK IS AT YOUR OWN RISK. THE ALUMNI NETWORK IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH NO WARRANTIES EXCEPT AS SPECIFICALLY STATED IN THIS AGREEMENT. NORTHERN AND ITS AFFILIATES, LICENSORS, AND THIRD-PARTY PROVIDERS DO NOT GUARANTEE THAT: (A) THE ALUMNI NETWORK WILL MEET YOUR REQUIREMENTS; (B) THE ALUMNI NETWORK WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE, (C) OUR ALERTS TO YOU WILL BE TIMELY OR ACCURATELY; (C) RESULTS FROM USING THE ALUMNI NETWORK WILL BE ACCURATE OR RELIABLE; (D) THE QUALITY OF ANY SERVICES, INFORMATION, OR MATERIALS YOU GET THROUGH THE ALUMNI NETWORK WILL MEET YOUR EXPECTATIONS; OR (E) ANY TECHNOLOGY ERRORS WILL BE FIXED. EXCEPT FOR ANY WARRANTIES EXPRESSLY GIVEN IN THIS AGREEMENT OR REQUIRED BY LOCAL LAW, NORTHERN DISCLAIMS ANY WARRANTIES THAT MAY BE EXPRESS OR IMPLIED WARRANTIES ABOUT THE ALUMNI NETWORK OR ITS CONTENT, INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. FURTHERMORE, YOU ACKNOWLEDGE AND AGREE THAT NORTHERN SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY MODIFICATION, SUSPENSION, OR DISCONTINUANCE OF THE ALUMNI NETWORK OR ANY PART THEREOF.
Indemnification. With respect to all claims of third parties, including Third Party Service Providers, you agree to reimburse and indemnify Northern and its affiliates and hold Northern and its affiliates harmless from any loss, liability, claim, or controversy of any kind arising out of, or in connection with, the performance by Northern and its affiliates of our duties and obligations under this Agreement or from your breach of this Agreement, as well as the costs and expenses (including, but not limited to, reasonable attorney's fees) of defending against any claim or liability arising out of or relating to this Agreement; provided, however, that the foregoing shall not apply in the event of, and to the extent caused by, Northern or its affiliates’ gross negligence or willful misconduct.
Liability.
NORTHERN AND ITS AFFILIATES, LICENSORS AND THIRD PARTY SERVICE PROVIDERS WILL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DAMAGES OR INJURY, INCLUDING BUT NOT LIMITED TO THOSE CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, MALFUNCTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR SYSTEM FAILURE, OR ARISING OUT OF A WEB BROWSER, MOBILE APPLICATION, OR OTHERWIES, EXCEPT FOR DAMAGES DIRECTLY CAUSED BY OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL NORTHERN AND ITS AFFILIATES, LICENSORS, AND THIRD PARTY SERVICE PROVIDERS BE LIABLE FOR ANY SPECIAL, INDIRECT, DIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, CONTENT, DATA, OPPORTUNITY, OR PROFITS, ARISING OUT OF OR RELATING TO THE USE, INTERRUPTION, MALFUNCTION AND/OR DEFECT OF THE ALUMNI NETWORK OR THE COPYING OR DISPLAY OF INFORMATION ACCESSED THROUGH THE ALUMNI NETWORK, WHETHER OR NOT NORTHERN OR ITS AFFILIATES, LICENSORS OR THIRD PARTY SERVICE PROVIDERS WERE ADVISED OF OR AWARE OF THE POSSIBILITY OF SUCH DAMAGES. AND
THE FOREGOING DISCLAIMERS OF LIABILITY ARE EFFECTIVE WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER THEORY. FOR ANY DAMAGES NOT ABLE TO BE EXCLUDED AS A MATTER OF APPLICABLE LAW, OUR TOTAL LIABILITY TO YOU FOR ALL OTHER LOSSES ARISING UNDER OR IN CONNECTION WITH THE ALUMNI NETWORK OR THIS AGREEMENT, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), BREACH OF STATUTORY DUTY OR OTHERWISE SHALL BE ONE HUNDRED US DOLLARS ($100).
THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU TO YOU TO THE EXTENT NOT ALLOWED BY APPLICABLE LAW.
You, including on behalf of your Organization, agree that the foregoing disclaimers, limitations of liability and indemnity are part of the bargain between the parties, and acknowledge that without such protections Northern and its affiliates would not have offered the services accessible through the Alumni Network, or would have done so only on significantly different terms.
GENERAL DISCLOSURES AND PROVISIONS
Copyright and Service Mark/Trademark. The content of the Alumni Network, including but not limited to the text and images and their arrangement, are copyright ©2025 by Northern Trust Corporation, the parent company of The Northern Trust Company. Additionally, Northern and its Affiliates have various registered and/or common law service marks or trademarks, including, but not limited to: Northern Trust, Northern Trust Bank, Market Signals, Northern Trust Master Source, Northern Trust Passport, Northern Trust Principles that Endure and the Anchor Design, Smart Box, The Wealth Management Group and Treasury Times. Northern may also claim service mark or trademark rights in other marks contained on the Alumni Network. All rights reserved.
Entire Agreement. This Agreement sets forth the entire agreement between Northern and you relating to the use of the Alumni Network and supersede any prior arrangement, agreement or representation between the parties to the extent that they relate in any way to the use of the Alumni Network. You may not alter this Agreement without the express written consent of Northern, demonstrated through a signed writing by Northern. If any part of this Agreement is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. You acknowledge that (i) upon entering into this Agreement, you do not rely, and have not relied, upon any representation (whether negligent or innocent), statement or warranty made or agreed to by any person (whether a party to these Agreement or not) except those expressly set out in this Agreement; and (ii) the only remedy available in respect of any misrepresentation or untrue statement made to you shall be a claim for breach of contract under this Agreement.
No Authority. Neither party shall have any right, power or authority, express or implied, to represent or bind the other. This Agreement does not limit or restrain in any way the right of Northern to in any manner deal with or otherwise dispose of the Alumni Network or parts thereof to any other persons or firms or to execute agreements providing for such transfer of rights.
Assignment. You shall not assign any of your rights under this Agreement without the prior express written consent of Northern. You agree that a printed version of this Agreement shall be admissible in legal, judicial or administrative proceedings to the same extent as other records or documents concerning business between the parties. You agree that neither any content provided on or through the Alumni Network, nor end users’ use thereof, shall amend or modify the terms and conditions of any other existing agreement between Northern and you.
Notices. Notices to you may be made via posting to the Alumni Network, by e-mail, or by regular mail, in Northern’s discretion. Any notice or other communication you wish to provide to Northern may be sent in writing to alumni@ntrs.com. Such notice to Northern shall be deemed to have given on the date such notice is received by Northern.
Nonwaiver. Any failure to exercise or any delay in exercising any right, power or privilege of us or you will not be deemed to be a waiver thereof and will not preclude any other or further exercise thereof or the exercise of any other right, power or privilege.
Compliance with Law. In addition to the foregoing, you agree to be bound by and comply with our rules and regulations and applicable state, provincial, territorial, and federal laws and regulations.
Governing Law. This Agreement will be governed by and be interpreted pursuant to the laws of the State of Illinois, United States of America, without giving effect to any principles of conflicts of law. You agree to be bound by all applicable laws and regulations that may pertain to the Alumni Network, including U.S. export and re-import laws and regulations.
Arbitration; Dispute Resolution.
PLEASE READ THIS SECTION CAREFULLY. IT INCLUDES AN AGREEMENT TO MANDATORY ARBITRATION, WHICH MEANS THAT YOU AGREE TO SUBMIT ANY DISPUTE RELATED TO THIS AGREEMENT AND YOUR USE OF THE ALUMNI NETWORK TO BINDING ARBITRATION RATHER THAN PROCEED IN COURT. THIS SECTION ALSO INCLUDES A WAIVER OF JURY TRIAL. BY ACCEPTING THIS SECTION YOU AGREE THAT THIS SECTION IS REASONABLY NECESSARY TO PROTECT THE LEGITIMATE BUSINESS INTERESTS OF NORTHERN.
Except where prohibited by applicable law, any dispute arising out of or relating to this Agreement shall be determined by binding arbitration in Chicago, Illinois before a single arbitrator. The arbitration proceedings and communications shall be conducted and provided in the English language and be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures (provided, however, that if both parties affirmatively elect and agree in writing, JAMS’ Streamlined Arbitration Rules & Procedures (https://www.jamsadr.com/rules-streamlined-arbitration/) can be used instead). Judgment on the award may be entered in any court having jurisdiction. This clause shall not preclude either party from seeking provisional remedies (including but not limited to preliminary, interim, or injunctive relief) relating to the subject matter of the arbitration from a court of appropriate jurisdiction. The parties shall maintain the confidential nature of the arbitration proceeding and the award, including the hearing, except as may be necessary to prepare for or conduct the arbitration hearing on the merits or as may be necessary in connection with a court application for a preliminary or interim remedy, a judicial challenge to an award or its enforcement or unless otherwise required by law or judicial decision. Each party shall bear its own costs and attorney’s fees, and the prevailing party will be entitled to reasonable attorneys’ fees, costs and necessary expenditures incurred in connection with such arbitration, as determined by the arbitrator, provided it is in an amount in proportion to the prevailing award and not to exceed the proportionate amount prevailed. Without limiting the generality of the foregoing, all costs of the arbitration (including but not limited to the fees and expenses of JAMS) shall be split evenly between the parties, except, if the arbitrator finds partially or completely in your favor, then Northern will bear the costs of the arbitration in proportion to the arbitrator’s finding or award in your favor if exceeding fifty percent (50%). The findings, reasoning and decision of the arbitrator shall be in writing. NOTWITHSTANDING THE ABILITY TO OPT OUT OF THE ARBITRATION REQUIREMENTS PURSUANT TO THIS SECTION, THE PARTIES AGREE THAT, UNLESS PROHIBITED BY APPLICABLE LAW, WHETHER ANY DISPUTE ARISING OUT OF OR RELATING TO THIS AGREEMENT IS IN ARBITRATION OR IN COURT, EACH PARTY WAIVES AND RELINQUISHES ALL RIGHTS TO A JURY TRIAL.
YOU MAY OPT OUT OF THIS ARBITRATION PROVISION BY SENDING WRITTEN NOTICE TO ALUMNI@NTRS.COM WITHIN THIRTY (30) DAYS OF THE DATE YOU FIRST CLICK ON THE “ACCEPT” BUTTON BELOW. FOR THE OPT-OUT TO BE EFFECTIVE, IT MUST INCLUDE YOUR NAME, ADDRESS, TELEPHONE NUMBER, AND E-MAIL ADDRESS, AS WELL AS A CLEAR STATEMENT THAT YOU ARE OPTING-OUT OF THE ARBITRATION REQUIREMENT OF THIS AGREEMENT AND THAT YOU DO NOT WISH TO RESOLVE ANY CLAIMS OR DISPUTES WITH NORTHERN RELATED TO THE ALUMNI NETWORK THROUGH ARBITRATION. ANY OPT-OUT RECEIVED AFTER THE INITIAL THIRTY (30) DAY TIME PERIOD WILL NOT BE VALID.
If for any reason (including due to your opting out of arbitration, as described above), a dispute arising out of or relating to this Agreement is not able to be submitted to arbitration under Section VII(i)(ii), then the parties agree that the state or federal courts located in Cook County, Illinois have exclusive jurisdiction over any such dispute (unless otherwise expressly set forth in this Agreement).
Location of Products and Services. Northern's products and services are offered only in jurisdictions where they may be lawfully offered for sale and are subject to the terms of and governed by the applicable agreement. NOT ALL PRODUCTS OR SERVICES MENTIONED HEREIN ARE AVAILABLE IN ALL JURISDICTIONS.
International Use. Because of the global nature of the Internet, you agree to comply with all local rules with respect to your use of the Alumni Network. In addition, you agree to comply with all material laws, rules, codes, and regulations regarding the transmission of technical data exported from the United States. You further agree to comply with all material laws, rules, codes and regulations regarding the transmission of personally identifiable information in, to or from the United States. The Alumni Network may be hosted on servers in the United States or other jurisdictions. You hereby acknowledge that you have appropriate consent from any and all data subjects whose personally identifiable information may be contained in any data uploaded by you to the Alumni Network to make such information available for use, review and disclosure.
JURISDICTION-SPECIFIC TERMS AND CONDITIONS AND LOCAL LAW DEVIATIONS. The following jurisdiction-specific terms and conditions supplement, and where expressly stated, modify or replace, the general terms and conditions of this Agreement set forth above, and incorporated into this Agreement. The provisions below apply in the designated jurisdiction only if you are a resident of such jurisdiction identified therein. To the extent of any conflicts between the terms this Agreement and the jurisdiction-specific provisions below, the jurisdiction-specific provisions shall prevail, but only with respect to users to whom such provisions are expressly stated to apply and only to the extent necessary to resolve such conflict.
Australia Residents. The following provisions apply only if you are a resident of Australia:
Nothing in this Agreement limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided any applicable consumer protection laws in the States and Territories of Australia (“Non-Excludable Guarantees”). To the fullest extent permitted by law, for liability that cannot be excluded by law including under the Non-Excludable Guarantees, the liability of Northern in relation to the Alumni Network shall be limited at its sole option to (A) the supply of the Alumni Network or associated service or information again; or (B) the payment of the cost of having the Alumni Network or associated service or information supplied again.
Canadian Residents. The following provisions apply only if you are a resident of Canada.
This Agreement applies to the fullest extent permitted by applicable law, and with regard to users who are not consumers resident in Quebec, it includes mandatory arbitration. Additionally, you have exclusive control over and sole responsibility for the content, accuracy, quality, enforceability, and format of any Content provided on or through or uploaded to the Alumni Network by you, as well as for determining whether the Content is of a class or type that may be transmitted into through use of the Alumni Network or by electronic means. Northern is not responsible for the substance of your Content.
If we make changes to the terms of this Agreement, You may terminate this Agreement and terminate your participation in the Alumni Network, in lieu of accepting such updated terms, via an e-mail notification sent to alumni@ntrs.com, in which you expressly terminate this Agreement.
With regards to Feedback contemplated by Section III(d), where such assignment is not effective, you (i) grant Northern a world-wide, perpetual, irrevocable, transferable, sub-licensable, royalty-free, non-exclusive, and unrestricted license to copy, reproduce, adapt, transmit, edit, modify, or otherwise use, publicly display, distribute, translate and create compilations and derivative works from, any and all Feedback (in any format or media) that you submit; and (ii) waive all moral rights in and to all Feedback that you submit in favour of Northern.
Nothing in this Agreement limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer warranties as provided any applicable consumer protection laws in the Canada (“Non-Excludable Warranties”).
If you are a resident in the province of Quebec, then the designation of governing law specified in Section VII(h) do not apply to you, and if you are a resident in the province of Quebec or Ontario, then the rules specified in Section VII(i)(ii) for arbitration, do not or may not apply to you.
Dutch or Luxemburg Residents. The following provisions apply only if you are a resident of the Netherlands or Luxemburg:
Notwithstanding Section II(f)(i) above, we may terminate this Agreement, terminate your participation in the Alumni Network, or limit or cancel the Alumni Network at any time only in the event of serious breach(es) of this Agreement, including for your breach of the “Restrictions” set forth in Section II(c), of this Agreement, or, in all other cases, with a reasonable notice of fourteen (14) days, after notifying you by e-mail sent to the e-mail address that you provided to us when you opened your account. You may terminate this Agreement and terminate your participation in the Alumni Network, at any time, via an e-mail notification sent to alumni@ntrs.com, in which you expressly terminate this Agreement.
The provisions of Section VII(h) shall be replaced with the following: “Governing Law. This Agreement will be governed by and be interpreted pursuant to the laws of the State of Illinois, United States of America, without giving effect to any principles of conflicts of law and without prejudice to the mandatory provisions of the law of the country in which you, the consumer, has your habitual residence. Without prejudice to the foregoing, you agree to be bound by all applicable laws and regulations that may pertain to the Alumni Network, including U.S. export and re-import laws and regulations.”
The provisions of Section VII(i) do not apply to you, and notwithstanding Section VII(i), pursuant to Article 18 of Regulation (EU) No 1215/2012 of the European Parliament and of the Council of 12 December 2012 on jurisdiction and the recognition and enforcement of judgments in civil and commercial matters: the action brought by you, as a consumer, against Northern may be brought either (A) before the courts of the State of Illinois, United States of America, or (B) before the court of the place where you, as a consumer, are domiciled, and Northern’s action against you, as a consumer, may only be brought before the courts of the Member State on whose territory you, as a consumer, are domiciled.
Germany Residents. The following provisions apply only if you are a resident of Germany:
Notwithstanding anything elsewhere in this Agreement, any limitation or exclusion of liability in this Agreement shall not apply (A) in cases of intent or gross negligence; (B) to injury to life, body or health; (C) for breaches of a material contractual obligation (so-called “cardinal duty,” i.e., an obligation that needs to be fulfilled to permit proper execution of these Agreement and that may regularly be relied upon by you); (D) to the extent Northern has fraudulently concealed a defect or assumed a guarantee for the condition of the Alumni Network; and (E) for any liability under the German Product Liability Act (Produkthaftungsgesetz). In cases of slightly negligent breach of cardinal duties, Northern’s liability shall be limited to foreseeable damages typical for this type of contract.
(A) nothing in this Agreement limits, excludes or modifies or purports to limit, exclude or modify your statutory consumer rights; and (B) the designation of governing law specified in Section VIII(h) and the rules specified in Section VIII(i)(ii) for arbitration do not apply to you.
If you are a consumer, as “consumer” is defined in Section 13 of the German Civil Code (BGB) (and not entering into this Agreement on behalf of an Organization), notwithstanding Section II(f)(i) above, Northern may terminate this Agreement, terminate your participation in the Alumni Network, or limit or cancel the Alumni Network at any time only in the event of serious breach(es) of this Agreement, including for your breach of the “Restrictions” set forth in Section II(c), of this Agreement, or, in all other cases, with a reasonable notice of fourteen (14) days, after notifying you by e-mail sent to the e-mail address that you provided to us when you opened your account. You may terminate this Agreement and terminate your participation in the Alumni Network, at any time, via an e-mail notification sent to alumni@ntrs.com, in which you expressly terminate this Agreement.
If you are a consumer, as “consumer” is defined in Section 13 of the German Civil Code (BGB) (and not entering into this Agreement on behalf of an Organization), you may withdraw from this Agreement within fourteen (14) days from the day of the conclusion of the contract without stating any reason. To exercise your right of withdrawal, you must inform us about your decision to withdraw from this Agreement by e-mail. The withdrawal period begins upon receipt of the statutory withdrawal notice. If you withdraw, Northern will terminate your access to the Alumni Network and delete your account data, except where retention is required by law. Northern will provide you with a withdrawal notice and form as required under German consumer law here.
Philippines Residents. The following provisions apply only if you are a resident of Philippines:
Section VIII(h) shall be replaced with the following: “Governing Law. This Agreement will be governed by and be interpreted pursuant to either the laws of the State of Illinois, United States of America, without giving effect to any principles of conflicts of law, or the laws of the Philippines. Without prejudice to the foregoing, you agree to be bound by all applicable laws and regulations that may pertain to the Alumni Network, including U.S. export and re-import laws and regulations.”
Notwithstanding the provisions of Section VIII(i), an arbitration or action may be brought either (A) in the State of Illinois, United States of America, or (B) in Makati City, Philippines.
Republic of Ireland Residents. The following provisions apply only if you are a resident of Republic of Ireland:
Notwithstanding Section II(f)(i) above, we may terminate this Agreement, terminate your participation in the Alumni Network, or limit or cancel the Alumni Network at any time only in the event of serious breach(es) of this Agreement, including for your breach of the “Restrictions” set forth in Section II(c), of this Agreement, or, in all other cases, with a reasonable notice of fourteen (14) days, after notifying you by e-mail sent to the e-mail address that you provided to us when you opened your account. You may terminate this Agreement and terminate your participation in the Alumni Network, at any time, via an e-mail notification to alumni@ntrs.com, in which you expressly terminate this Agreement.
The provisions of Section VIII(h) shall be replaced with the following: “Governing Law. This Agreement will be governed by and be interpreted pursuant to the laws of the State of Illinois, United States of America, without giving effect to any principles of conflicts of law and without prejudice to any statutory rights regarding jurisdiction and applicable law you may have as a consumer under the laws of your own jurisdiction. Without prejudice to the foregoing, you agree to be bound by all applicable laws and regulations that may pertain to the Alumni Network, including U.S. export and re-import laws and regulations.”
Notwithstanding the provisions of Section VIII(i), any arbitration or action brought by you, as a consumer against Northern, may be brought either (A) in the State of Illinois, United States of America, or (B) in the place where you, as a consumer, are domiciled, and Northern’s action against you, as a consumer, may only be brought before the courts of the Member State on whose territory you, as a consumer, are domiciled.
Sweden Residents. The following provisions apply only if you are a resident of the Kingdom of Sweden:
Nothing in this Agreement shall limit, exclude or modify any statutory consumer rights or guarantees granted by Swedish law. Any warranties in this Agreement are in addition to and do not replace or limit these consumer rights.
The provisions of Section VIII(h) shall be replaced with the following: “Governing Law. This Agreement will be governed by and be interpreted pursuant to the laws of the State of Illinois, United States of America, without giving effect to any principles of conflicts of law and without prejudice to the mandatory provisions of the law of the country in which you, the consumer, has your habitual residence. Without prejudice to the foregoing, you agree to be bound by all applicable laws and regulations that may pertain to the Alumni Network, including U.S. export and re-import laws and regulations.”
The provisions of Section VIII(i) shall not apply. Notwithstanding Section VIII(i), pursuant to Article 18 of Regulation (EU) No 1215/2012 of the European Parliament and of the Council of 12 December 2012 on jurisdiction and the recognition and enforcement of judgments in civil and commercial matters and Chapter 10 Paragraph 8a of the Swedish Code of Judicial Procedure (sw: Rättegångsbalken (1942:740)): the action brought by you, as a consumer, against Northern may be brought either (A) before the courts of the State of Illinois, United States of America, or (B) before the court of the place where you, as a consumer, are domiciled, and Northern’s action against you, as a consumer, may only be brought before the courts of the Member State on whose territory you, as a consumer, are domiciled.
Switzerland Residents. The following provisions apply only if you are a resident of Switzerland:
Notwithstanding the rules specified in Section VII(i)(ii), the rules for arbitration that shall apply in the event of a dispute shall be the JAMS Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses Minimum Standards of Procedural Fairness. Additionally, in case you have opted out of arbitration or the arbitration clause does not apply for any other reasons, exclusive jurisdiction for all disputes in connection with or arising out of this Agreement shall be before the courts of the State of Illinois, United States of America , or alternatively, if you are a consumer, at your choice before the Swiss courts at your domicile or habitual residence, or the domicile of any Northern affiliate in Switzerland if that company is your contractual counterparty.
UK/Guernsey Residents. The following provisions apply only if you are a resident of the United Kingdom (UK) or Guernsey:
Where you are a consumer for the purposes of UK/Guernsey law (as applicable): (A) we do not exclude or limit in any way our liability to you where it would be unlawful to do so, including for liability for death or personal injury caused by our negligence or the negligence of any of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation, and (B) where this Agreement provides for a discretion exercisable by us that could otherwise be capable of causing a significant imbalance in the parties’ rights and obligation hereunder, to the detriment of a consumer and contrary to the requirement of good faith, that discretion shall be exercised reasonably and in good faith.
The provisions of Section VII(h) shall be replaced with the following: “Governing Law. This Agreement will be governed by and be interpreted pursuant to the laws of the State of Illinois, United States of America, without giving effect to any principles of conflicts of law. Where you are resident in the UK or Guernsey, this Agreement will be governed by and be interpreted pursuant to the laws of England & Wales. You agree to be bound by all applicable laws and regulations that may pertain to the Alumni Network, including U.S. export and re-import laws and regulations.”
The provisions of Section VII(i)(iv) shall be replaced with the following: “If for any reason a dispute arising out of or relating to this Agreement is not able to be submitted to arbitration under Section VII(i)(ii) (including if the arbitration clause does not, under applicable laws, apply to you), then you agree to submit to the exclusive jurisdiction of the courts of England provided that, if you live in Wales, Scotland or Northern Ireland, you can also bring claims in the courts of the country they live in under applicable local law.”
United Arab Emirates Residents. The following provisions apply only if you are a resident of the United Arab Emirates:
If you are a resident of the United Arab Emirates and you opt out of the arbitration provision under Section VIII(i)(ii), then the designation of governing law specified in Section VIII(h) and the fallback jurisdiction specified in Section VIII(i)(iv) do not apply to you. In such cases, any dispute arising out of or relating to this Agreement shall be subject to the jurisdiction of the courts of the United Arab Emirates and governed by the laws of the United Arab Emirates.
Notwithstanding Section II(f)(i) above, we may terminate this Agreement, terminate your participation in the Alumni Network, or limit or cancel the Alumni Network at any time only in the event of serious breach(es) of this Agreement, including for your breach of the “Restrictions” set forth in Section II(c), of this Agreement, or, in all other cases, with a reasonable notice of fourteen (14) days, after notifying you by e-mail sent to the e-mail address that you provided to us when you opened your account. You may terminate this Agreement and terminate your participation in the Alumni Network, at any time, via an e-mail notification sent to alumni@ntrs.com, in which you expressly terminate this Agreement.
If we make changes to the terms of this Agreement, You may terminate this Agreement and terminate your participation in the Alumni Network, in lieu of accepting such updated terms, via an e-mail notification sent to alumni@ntrs.com, in which you expressly terminate this Agreement.
We do not exclude or limit in any way our liability to you where it would be unlawful to do so, including for liability arising from our negligence or the negligence of our employees, agents, or subcontractors, or for fraud or fraudulent misrepresentation. You will not be required to indemnify us for losses, claims, or liabilities, including those brought by third parties, to the extent they arise from our performance of our own obligations under this Agreement or from our own acts or omissions. Where this Agreement provides for discretion exercisable by us, that discretion shall be exercised reasonably and in good faith.