Refund Policy

1. Purpose & Scope

The purpose of this document is to explain the policy for ticket refunds and cancellations.

2. Cancellation & Refund Schedule

InsurTech NY must receive refund and cancellation requests in writing at contact@insurtechny.com. The following schedule dictates the refund or credit amount available based on the time of the request.

3. Next-Year Conference Transfer

When a registration is transferred to the following year’s InsurTech NY conference, the following terms apply:

• The transferred registration will be honored at the equivalent ticket tier (e.g., general admission, VIP).
• Transfers are valid for one event year only. If you do not use the transferred ticket at the immediately following InsurTech NY conference, it will be forfeited with no further refund or credit.
• A ticket may be transferred forward one time only. Transferred tickets may not be transferred to a second future event year.
• Transferred tickets may be reassigned to another individual at the registrant’s organization. Cross-organization transfers of transferred tickets are not permitted.
• Refunds are not available on tickets that have already been transferred to a future year.

4. Substitutions & Ticket Transfers

A registered attendee may transfer their ticket to another individual, including someone from a different organization, subject to the following:

• All substitution requests must be submitted in writing to contact@insurtechny.com at least 72 business hours prior to the start of the event.
• Substitution requests submitted within 72 business hours of the event start cannot be guaranteed and will be accommodated at InsurTech NY’s discretion.
• Substitutions between ticket types are not permitted (e.g., a speaker pass may not be transferred to a general attendee).

5. How to Submit a Request

All cancellation, refund, transfer, and substitution requests must be submitted in writing. We will not process verbal or informal requests.

Submit all requests to: contact@insurtechny.com

Please include the following information in your request:

• Full name of the registered attendee
• Company name and contact email and phone number of existing registration and new attendee’s phone number (if applicable)
• Ticket type and order confirmation number
• Whether you are requesting a refund or a next-year transfer

We will acknowledge requests within 5 business days. Approved cash refunds will be returned only to the original payment method within 14 business days of approval. InsurTech NY will issue next-year transfer confirmations by email.

6. If InsurTech NY Cancels or Postpones

In the event that InsurTech NY cancels an event: (1) All registered attendees will be notified promptly via the email address on file; (2) each attendee will be offered the choice of a full refund of registration fees paid, or a credit of equivalent value toward a future InsurTech NY event; (3) InsurTech NY is not liable for any travel, accommodation, or any other expenses or liability incurred by registrants in connection with a canceled or postponed event.

7. Force Majeure

InsurTech NY shall not be held liable for cancellation, postponement, or modification of an event caused by circumstances beyond its reasonable control, including but not limited to natural disasters, pandemics or public health emergencies, acts of government or regulatory authority, labor disputes, or unavailability of the event venue.

In such circumstances, InsurTech NY will work in good faith to offer credits or alternative arrangements. In force majeure situations, InsurTech NY may provide cash refunds at its discretion.

8. No Resale of Tickets

All tickets are purchased for the registrant's personal or organizational use. Resale or commercial transfer of tickets is prohibited. InsurTech NY reserves the right to void any ticket it believes has been resold or transferred in violation of this policy, without refund.

9. Limitation of Liability

InsurTech NY’s liability to any registrant is limited to the registration fees paid for the relevant event. InsurTech NY is not responsible for any indirect, incidental, or consequential losses, including travel costs, accommodation expenses, or lost business opportunities.

10. Governing Law

This policy is governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania. Any disputes arising from ticket purchases or this policy shall be subject to the exclusive jurisdiction of the courts of Pennsylvania.

11. Changes to This Policy

InsurTech NY reserves the right to update this policy at any time. We will publish changes on our website, and they will apply to registrations made on or after the effective date of the updated policy. The version in effect at the time of your registration purchase governs your booking.