Terms & Conditions

1. About AIB

The American Institute of Bankers (AIB) is a professional membership and training organization registered in the United States. AIB provides certification programs, professional development services, research publications, and corporate advisory services for banking and financial services professionals.

2. Use of Website

Users agree to:

• Use the website only for lawful purposes
• Provide accurate and truthful information during registration or application
• Not misuse, disrupt, or attempt unauthorized access to AIB systems
• Not reproduce or distribute website content without permission

AIB reserves the right to restrict or terminate access for misuse or violation of these terms.

3. Membership Terms

Membership is granted subject to:

• Approval by AIB after review of eligibility
• Compliance with the AIB Code of Ethics
• Payment of applicable membership fees
• Fulfillment of Continuing Professional Development (CPD) requirements

AIB reserves the right to suspend or revoke membership in cases of ethical violations, non-compliance, or misrepresentation.

Membership fees are non-transferable.

4. Certification & Training Programs

Enrollment in AIB certification or training programs requires:

• Accurate submission of required documentation
• Payment of applicable program fees
• Compliance with assessment and examination policies

AIB reserves the right to:

• Modify program structure, curriculum, or assessment format
• Reschedule or cancel programs where necessary
• Withhold certification in cases of misconduct or academic dishonesty

Certificates are issued only upon successful completion of program requirements.

5. Fees & Payments

• All fees must be paid in accordance with published payment terms.
• Fees are generally non-refundable unless otherwise specified in the Refund Policy.
• AIB may revise fees periodically.
• Failure to complete payment may result in suspension of services or credentials.

6. Continuing Professional Development (CPD)

Active membership status requires compliance with AIB’s CPD framework. Members must:

• Complete required CPD credits annually
• Maintain records of CPD activities
• Submit declarations during renewal

Non-compliance may result in suspension of membership designation.

7. Verification Services

AIB provides certificate and membership verification for transparency and professional integrity. Verification results reflect current status at the time of search. AIB is not responsible for misuse of verified information by third parties.

8. Intellectual Property

All website content, certification materials, training modules, research publications, logos, and trademarks are the intellectual property of AIB unless otherwise stated. Users may not:

• Copy, reproduce, distribute, or modify materials
• Use AIB trademarks without written permission
• Deliver external training using AIB materials without authorization

Unauthorized use may result in legal action.

9. Limitation of Liability

AIB provides services on a professional and good-faith basis. However:

• AIB does not guarantee employment, promotion, or career advancement.
• AIB is not liable for indirect, incidental, or consequential damages arising from use of its services.
• AIB is not responsible for technical interruptions beyond its control.

10. Data Protection

Use of personal data is governed by AIB’s Privacy Policy. By using AIB services, you consent to data processing as outlined in that policy.

11. Amendments

AIB reserves the right to update these Terms & Conditions at any time. Changes will be effective upon publication on the website. Continued use of services constitutes acceptance of updated terms.

12. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the United States of America. Any disputes shall be subject to the appropriate jurisdiction in the United States.

13. Contact Information

For questions regarding these Terms & Conditions, please contact: