Terms & Conditions: As a registered attendee or participant (“you”) of the International Factoring Association's Factoring Conference (the “Conference”) you agree to these terms and conditions (collectively, this “Agreement”) with the International Factoring Association (“IFA”). Read IFA's full Terms & Conditions here. Hosting External Events: Attendees are prohibited from organizing, hosting, or promoting any external events, meetings, or gatherings that conflict with official IFA Conference sessions, receptions, or scheduled activities. All events held during the Conference must be approved by the IFA in advance. Failure to comply with this policy may result in penalties, including revocation of Conference credentials. Cancellations, Substitutions and Lost Badge Policy: Documented health related cancellations received on or before April 1, 2026 will be issued a full refund. Documented health related cancellations received between April 2, 2026, and April 30, 2026, will be issued a full account credit. Documented health related cancellations received 7 days or less before the conference will be issued an account credit minus a 10% penalty. Non-health related cancellations for attendance received on or before March 1, 2026, will be charged a 10% penalty. Non-health related cancellations for attendance received between March 2, 2026 and April 1, 2026, will be charged a 20% penalty. No refunds will be given after this date for non-health related cancellations. Unused account credits after two years will be forfeited and considered contributions to the organization. If you are unable to attend the Conference we welcome substitute attendees attending in your place at no extra cost.    Badge Issuance. Once you have received your badge on site, it cannot be changed, substituted or reissued to a different person.