ChatMDRT Terms of Use

Effective Date: 31^st October 2025

These are the Terms of Use (the “Terms”) for the Million Dollar Round Table (“MDRT”) generative artificial intelligence knowledge assistant (“ChatMDRT”) including all user manuals, technical manuals, and any other materials provided by MDRT, in printed, electronic, or other form, that describe the AI Assistant or its use or specifications (collectively, our “Services”).

By using our Services, you acknowledge you have read our Privacy Policy and agree to our Terms of Use and any other documentation, guidelines, or policies we make available to you.

I. Eligibility Requirements

By accepting these Terms through your use of our Services, you certify that you are at least 18 years of age. If you are under 18 years of age, you may not use the Services.

II. License to Use the Services

Subject to your compliance with these Terms, MDRT hereby grants you a limited, non-exclusive, non-transferable, non-sublicensable, license to use the Services solely in accordance with these Terms, for learning more about MDRT (Public/Non-Member Access) and accessing exclusive Member Resources (Member Only Access). You acknowledge and agree that the Services are provided under license, and not sold, to you. You do not acquire any ownership interest in the Services under these Terms, or any other rights thereto.

III. Representations & Warranties to MDRT

By using our Services, you represent, warrant, and agree:

1. You meet all age and eligibility requirements expressed in these Terms;
2. You are solely responsible for the accuracy, legality, and appropriateness of your use of the Services, including all data, files, and communications entered into the Services, as well as the use of downloadable assets generated from the Services; and
3. You will only use our Services for lawful purposes.

IV Responsible Use & Disclosure

Disclosures. You agree to disclose your use of the Services and obtain consent to use the Services as required by, and in accordance with, applicable law. Without limiting the foregoing, you agree to disclose:

1. Your use of the Services in connection with any regulated service or service typically performed by a licensed or certified professional; and
2. That any Output (defined below) has been artificially generated or manipulated.

Decision Making. In the event the Services are used for making decisions, with legal or similarly significant effects on an individual or group, you must provide the impacted individual with the right to opt-out in accordance with laws and ensure human review of the decision.

Evaluating Accuracy. You must evaluate Output (defined below) for accuracy and appropriateness. Do not solely rely on the Services to provide accurate Output.

V. Prohibited Uses

You agree not to use our Services:

1. In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries);
2. For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personal information, or otherwise;
3. To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any "junk mail," "chain letter," "spam," or any other similar solicitation;
4. To violate the intellectual property rights of others, including copyright, patent, or trademark rights;
5. To impersonate or attempt to impersonate MDRT, a MDRT employee, another user, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing); or
6. To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which, as determined by us, may harm the MDRT or users of the Services, or expose them to liability.

Additionally, you agree not to:

1. Use the Services in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Services, including their ability to engage in real time activities through the Services;
2. Input into the Services any third-party intellectual property, any sensitive information including but not limited to financial information, credit card information, or any personal information protected by the Health Insurance Accountability and Portability Act (“HIPAA”) or other applicable data protection laws.
3. Use any robot, spider, or other automatic device, process, or means to access the Services for any purpose, including monitoring or copying any of the material on the Services;
4. Use any device, software, or routine that interferes with the proper working of the Services;
5. Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
6. Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services, or any server, computer, or database connected to the Services or attack the Services in any way; or
7. Otherwise attempt to interfere with the proper working of the Services.

VI. Input & Output

Input Ownership. You are responsible for all content and personal information you upload to the MDRT’s Generative AI Knowledge Assistant – ChatMDRT(“Input”) including ensuring that it does not violate any applicable laws or these Terms. You represent, warrant, and agree that you have all necessary rights and permissions to provide the Input to ChatMDRT.

Input License to MDRT. By entering Input into ChatMDRT, you grant to MDRT a perpetual, worldwide, non-exclusive, sublicensable no-charge, royalty-free, irrevocable copyright license to reproduce, prepare derivative works of, publicly display, publicly perform, sublicense, and distribute the Input. This license survives termination of these Terms by any party, for any reason. We may use Input to provide, maintain, and improve our Services, comply with applicable law, enforce these Terms, and keep our Services safe.

License to MDRT Output.  Subject to these Terms, we grant you an exclusive, non-transferrable, right and limited license to access and use the product created from the ChatMDRT (“Output”) solely for internal business purposes related to MDRT. You acknowledge and agree that the Output is provided under license, and not sold, to you. You do not acquire any ownership interest in the Output under these Terms, or any other rights thereto.

Similarity of Output. Due to the nature of our Services and artificial intelligence generally, Output may not be unique, and other users may receive similar output from ChatMDRT.

Accuracy. When using our ChatMDRT, you understand and agree that Output may not always be accurate. You represent and warrant that you will use Output only in accordance with these Terms.

VII. MDRT Confidential Information

In connection with your use of the Services, you may obtain access to certain non-public, proprietary, or confidential information of MDRT ("Confidential Information"). When using the Services, you represent, warrant, and agree that you will maintain the confidentiality of Confidential Information and use it solely within the scope of the license granted under these Terms. You shall not disclose Confidential Information to any third party without MDRT's prior written consent.

VIII. Registering for an Account

In order to use or access certain Services or features of the Services, you may be asked to register for a user account or if you are a Member use your Member credentials (an “Account”) and become a registered user of the Services (a “Registered User”). By becoming a Registered User, you agree to:

1. Provide accurate, current, and complete information about the Registered User during the registration process;
2. Maintain and promptly update such information to keep it accurate, current, and complete;
3. Maintain the security of your password and login information, and that you will not disclose your password or login information to any third party;
4. Accept full responsibility for all use of any Account you register, and for any actions that arise from or take place using your Account, whether or not you have authorized such actions or use; and
5. Immediately notify MDRT of any unauthorized use of your Account.

IX. Termination of Access

MDRT maintains the right to suspend or disable your access to the Services and any Account you may have created, or terminate these Terms, at our sole discretion and without prior notice to you if you breach the Terms, or if MDRT otherwise determines such action is warranted. MDRT reserves the right to revoke your access to and use of the Services at any time, with or without cause.

X. Intellectual Property and Information Collection

Service Content, Software and Trademarks. You acknowledge and agree that our Services may contain content or features (“Service Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. Except as expressly authorized by MDRT, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on our Services or Service Content, in whole or in part, except that the foregoing does not apply to any of your own feedback that you legally upload to our Services.

The MDRT name and logos are trademarks and service marks of MDRT as well as ChatMDRT (collectively the “MDRT Trademarks”). Other MDRT, product, and service names and logos used and displayed via our Website may be trademarks or service marks of their respective owners, who may or may not endorse or be affiliated with or connected to MDRT. Nothing in these Terms or in our Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of MDRT Trademarks displayed through our Services, without our prior written permission in each instance. All goodwill generated from the use of MDRT Trademarks will inure to our exclusive benefit.

Feedback Transmitted Through Our Services. You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, and other information regarding user experience of the Services (“Feedback”), provided by you to MDRT is non-confidential, and MDRT will be entitled to the unrestricted use and dissemination of this Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you. For the avoidance of doubt, Feedback does not include Input. The use of Input is governed by Section VI.

Information Collection. MDRT may, directly or indirectly through the services of others, collect and store information regarding use of the Services and about equipment on which the Services is installed or through which it otherwise is accessed and used. You agree that the MDRT may use such information for any purpose related to any use of the Services by you, including but not limited to: (i) improving the performance of the Services or developing updates; and verifying compliance with the terms of these Terms and enforcing MDRT's rights, including all intellectual property rights in and to the Services. 

XI. Communications

As part of your use of our Services, you consent to receive electronic notifications from MDRT. You may opt-out of receiving certain notifications from MDRT by completing the opt-out process provided in each email message. By opting-out, you understand that we may not be able to communicate certain information to you. Please note we may still contact you regarding certain transactional announcements or notifications even if you have opted-out from other messages.

XII. Indemnity and Release

You agree to release, indemnify, and hold harmless MDRT, its affiliates, and its and their respective officers, employees, directors, members, and agents from any and all losses, damages, expenses, including reasonable attorneys’ fees, rights, claims, actions of any kind and injury (including death) arising out of, or relating to, your use of Services and interactions with us, your violation of these Terms, or your violation of any rights of another.

XIII. Disclaimer of Warranties Related to our Services

YOUR USE OF OUR SERVICES AND YOUR INTERACTIONS WITH US IS AT YOUR SOLE RISK. OUR SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. MDRT EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

MDRT MAKES NO WARRANTY THAT: (I) OUR SERVICES OR OTHER INTERACTIONS WILL MEET YOUR REQUIREMENTS, (II) OUR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURELY, OR ERROR-FREE, (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF OUR SERVICES WILL BE ACCURATE OR RELIABLE, OR (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH OUR SERVICES WILL MEET YOUR EXPECTATIONS.

XIV. Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT MDRT WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF MDRT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, RESULTING FROM: (I) THE USE, OR THE INABILITY TO USE, OUR SERVICES OR ANY CONTENT; (II) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM OUR SERVICES; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR CONTENT, TRANSMISSIONS, OR DATA; (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OUR SERVICES; OR (V) ANY OTHER MATTER RELATING TO OUR SERVICES OR CONTENT. IN NO EVENT WILL MDRT ’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION, EXCEED THE AMOUNT YOU HAVE PAID MDRT IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED U.S. DOLLARS (US $100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF OUR SERVICES OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF OUR SERVICES.

XV. General

Modification. We may modify these Terms at any time. We will post the changes on our or Services with the effective date, and notify you of any material changes. Your continued use of our Services or continued interactions with us after the date of any such changes become effective constitutes your acceptance of these Terms.

Governing Law. Terms will be governed by the laws Illinois without regard to conflict of law provisions. With respect to any disputes not subject to the dispute resolution procedures set forth above, you and MDRT agree to submit to the personal and exclusive jurisdiction of the local courts located in Cook County, Illinois and the federal courts located in the United States District Court for the Northern District of Illinois.

Assignment. MDRT may assign or transfer these Terms, in whole or in part, without restriction.

No Waiver. The failure of MDRT to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision.

Severability. In case any provision of these Terms is found by a court of competent jurisdiction to be invalid, the validity, legality, and enforceability of the remaining provisions will not be affected and remain in full effect. The parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision.

Claim Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of the use of the Website or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.

XVI. Contact Us

Phone: +1 847-692-6378
Fax: +1 847-518-8921
info@mdrt.org

Million Dollar Round Table
325 West Touhy Avenue
Park Ridge, IL 60068 USA