Community Rules & Etiquette and Privacy Guidelines
Thank you for being part of our community. To ensure the best possible experience for all members, we have established some basic guidelines for participation.
By joining and using this community, you agree that you have read and will follow these rules and guidelines. You also agree to reserve discussions and shared files and content to that best suited to the medium. This is a great medium with which to solicit the advice of your peers, benefit from their experience, and participate in an ongoing conversation. Questions should be directed to our member services department via the Contact Us link on this site.
Please take a moment to acquaint yourself with these important guidelines. If you have questions, contact the member services department. In order to preserve an environment that encourages both civil and fruitful dialogue, we reserve the right to suspend or terminate membership in this community for anyone who violate these rules.
- Respect others. Focus on the content of posts and not on the people making them. Please extend the benefit of the doubt to newer guests and members; there’s no such thing as a stupid question.
- Respect the purpose of the community. Use the community to share successes, challenges, constructive feedback, questions, and goals instead of products or services that you provide. If you’ve found a product or service helpful, please share your experience with the group in a respectful way.
- Use caution when discussing products. Information posted on the discussion groups and in the libraries is available for all to see, and comments are subject to libel, slander, and antitrust laws.
- All defamatory, abusive, profane, threatening, offensive, or illegal materials are strictly prohibited. Do not post anything that you would not want the world to see or that you would not want anyone to know came from you.
- Respect intellectual property. Post content that you have personally created or have permission to use and have properly attributed to the content creator.
- When posting items in our collaborative environment, please indicate if the item is not available for reuse. It’s also advisable to contact the owner of any material if you would like to reuse it.
AASCIF's Anti-trust Policy
- Post your message or documents only to the most appropriate communities. This helps ensure all messages receive the best response by eliminating "noise."
- Abide by AASCIF's Anti-trust Policy (see below).
In recent years, the insurance industry’s exposure to antitrust laws in the United States at both the state and federal levels has markedly increased. Though sound arguments remain that most of the activities of AASCIF and its members are exempt from anti-trust laws, you should be mindful of some of the basic tenets of anti-trust law and of how anti-trust considerations might affect your interaction with other Association members.
Federal and state anti-trust laws in the U.S. are designed to protect the public from agreements between competitors that affect the price or distribution of products and services or that otherwise restricts or reduces competition. Many state funds are, or may be in the future, engaged in some degree of competition (real or perceived) with other state funds. Accordingly, members are reminded to exercise caution in discussing or exchanging information that may be regarded as “competitively sensitive” with other Association members, particularly those that may be doing business in overlapping markets, and should avoid activities that could be interpreted as showing a willingness to enter into an agreement to restrict or reduce competition. Some examples of the types of activities members may wish to avoid are:
- Discussions among members in overlapping markets regarding the future business plans of individual members, including intentions to raise, lower or stabilize pricing (premiums or commissions), to offer or not to offer certain coverage or to quote or not to quote certain types or classes or risks;
- Discussions or agreements (tacit or overt) that have the effect of dividing territories or customers among competitors;
- Discussions or agreements (tacit or overt) among competitors to do business or to refuse to do business with certain agents, brokers, insureds, reinsurers, etc.; and
- Discussions or agreements (tacit or overt) relating to individual vendors or suppliers that might have the effect of excluding them from any market.
You may decide not to participate in (or to exit) any meetings or discussions in which competitively sensitive information is presented or exchanged. Of course, if you have questions or concerns regarding the anti-trust implications of any activity, you should always consult with your company counsel.
Discussion Group Etiquette
- State concisely and clearly the topic of your comments in the subject line. This allows members to respond more appropriately to your posting and makes it easier for members to search the archives by subject.
- Send messages such as "thanks for the information" or "me, too" to individuals, not to the entire list. Do this by using the "Reply to Sender" link in every message.
- Do not send administrative messages, such as “remove me from the list,” to the group. Instead, use the web interface to change your settings or to remove yourself from a list. If you are changing email addresses, you do not need to remove yourself from the list and rejoin under your new email address. Simply change your settings.