The publisher will determine all ad positions according to production restrictions, except when the publisher has granted special position or placement guarantees. No position or placement guarantees are available for ad insertions received after the closing date for a given issue. Publisher reserves the right to stack half-page ads. In issues where there are several partial ad pages, competitor separation is desired, but not guaranteed. 

• Alcoholic beverage advertising is not accepted
• Credit and client references will be requested of new advertisers
• Publisher reserves right to refuse advertising
• All new advertisers must prepay first insertion
• Insertion orders noting “agency is acting as agent for an 'undisclosed party'” will not be accepted
• No advertisements, other than those submitted by America's Credit Unions, should contain any version of the America's Credit Unions trademark without the prior written approval of America's Credit Unions
• Cancellation of space reservations for any reason in whole or part by the advertiser will result in adjustment of the rate (short-rate) based on past and subsequent insertions to reflect actual space used at the earned frequency or volume rate
• Orders specifying positions cannot be guaranteed unless confirmed by the publisher
• Publisher conforms with Standard Rate & Data business contract and copy regulations

Agency commission: 15% net 30 days. Tear sheet accompanies billing. Copies of magazines provided upon request from agency. No agency commissions paid on web or email placements.

The publisher must receive insertion orders for a given issue by the ad space deadline. The publisher may or may not be able to accommodate insertions received after an issue's close; if accepted, a late ad's position will receive no special consideration. The publisher must receive electronic files by the material deadline. Deadlines of certain issues are subject to change depending on bonus distribution at national meetings.

Advertisers are prohibited from canceling ads after the ad space deadline. In the event of cancellation, advertisers are responsible for full payment of the rate on the insertion order, plus any costs of ad production or creative services the publisher has rendered.

Cancellation of space reservations for any reason in whole or part by the advertiser will result in adjustment of the rate (short-rate) based on past and subsequent insertions to reflect actual space used at the earned frequency or volume rate.