International Conference on Sustainable Finance and Insurance Innovations

1. Paper Submission & Publication :

• All authors and co-authors must inform their institution (e.g., Head of Department, Principal, Supervisor) prior to submitting papers to Researchfora conferences.
• Each submission is reviewed by at least two qualified reviewers (internal or external).
• Only papers with completed registration and payment will be considered for publication.
• The submitter will be deemed the corresponding author unless otherwise specified.
• Researchfora is not liable for any authorship disputes. If a complaint regarding authorship or originality is validated, the paper will be withdrawn immediately.
• Withdrawn or suspended papers will not be published or distributed under any circumstances.

2. Conference Attendance :

• All participants must register and pay in full to attend any Researchfora conference.
• The organizing committee reserves the right to change the venue, dates, or format (virtual/hybrid/in-person) at any time. Notifications will be sent via registered email.
• Researchfora is not responsible for any travel or accommodation costs incurred due to changes in format or schedule.
• No refunds will be granted for participants who choose not to attend the conference after registration.
• If the primary author cannot attend, a co-author may attend in their place. However, no refunds will be issued for non-attendance.

3. Cancellation & Refund Policy :

• 3.1 Cancellation is only permitted before the issuance of an official invitation letter. Once issued, no refund is available.
• Full refund: cancellations made at least 70 days before the conference, with a cancellation form submitted 60 days prior.
• Partial refund: cancellations 60–30 days prior may incur administrative/documentation fees.
• No refund: cancellations within 30 days of the event, though a credit voucher valid for one year may be issued for future participation.
• If a participant is unable to attend the conference due to personal reasons, the registration fee is non-refundable. However, the paid amount will be credited toward attendance at any of our international conferences within one year from the original date of registration.
• As the conference will be held in a hybrid format, the organizer reserves the right to conduct the event either in person or virtually. Please note that no refunds will be issued due to changes in the event format.
• Virtual registrations are non-refundable; participants may receive credit toward a future Researchfora event.

4. Registrant Responsibilities & Communication :

• Upon successful completion of the registration process, it is the responsibility of the registrant to contact the researchfora team for updates, scheduling details, and further instructions related to the event.
• If the registrant fails to respond to communications from Researchfora or its representatives for a period of more than 15 days after registration, the registration will be considered invalid, and refunds will not apply.
• If the registration form is not submitted within 7 days from the date of registration, the registration will be considered invalid, and refunds will not apply.

5. Travel and Accommodation :

• Participants are fully responsible for travel, transport, and accommodation arrangements.
• Researchfora will not compensate for losses due to changes in event formats or schedules.
• Registration fees do not cover travel or accommodation.

6. Transfer of Registration :

• A paid registration may be transferred to another individual from the same institution, pending approval. Requests must be submitted via email with authorization and updated registration details.
• Transfers must be completed at least 14 days before the event start date.
• Transferred registrations are non-refundable.
• Transfers to another Researchfora event are allowed if within the valid registration period.

7. Visa Support & Invitation Letter :

• Researchfora does not directly contact embassies or consulates on behalf of participants.
• Participants are solely responsible for obtaining a visa and must independently follow all immigration and travel regulations applicable to their situation.
• The invitation letter is issued only for the purpose of attending the conference and is not valid for immigration, employment, or residency applications.
• The letter may support a visa application but does not guarantee visa approval.
• Researchfora bears no responsibility for visa denials, delays, or any related costs incurred by the applicant.
• Any modification or misuse of the invitation letter will render it invalid, and may lead to the cancellation of conference participation.
• Legal action may be taken against individuals who falsify or unlawfully use the invitation letter.
• By accepting the invitation letter, the attendee agrees to comply with international travel laws, conference policies, and ethical participation standards.

8. Important Notes :

• All changes, cancellations, and transfer requests must be submitted in writing to: info@researchfora.org
• Participants are deemed to have read and agreed to these terms upon completing registration.
• All transactions are carried out voluntarily after acceptance of these terms.
• Completed registration forms must be submitted within 3 days of payment.
• Official conference programs and schedules will be emailed at least 15 days prior to the event—do not make travel bookings before receiving this confirmation.
• In hybrid-format events, any registrations received after the deadline will be processed as virtual-only. All registrations include access to one additional Researchfora conference, depending on your registration category.