In order to maintain the privilege of NAIW (International) membership, it is important that NAIW (International) members act with integrity and avoid any action that will compromise the member, NAIW (International) itself and the member's relationship with NAIW (International). The principles in this Code of Ethics provide guidelines that are intended to enable NAIW (International) members to conduct their membership activities in a professional manner. However, these guidelines do not supersede any fiduciary duty owed by members, officers, Directors, employees, agents or volunteers of NAIW (International) under applicable law.

Conflict of Interest
NAIW (International) members should never abuse their relationship with NAIW (International) by competing with NAIW (International) or bringing discredit, disrepute or embarrassment to NAIW (International). Members shall disclose any personal, business or organizational interests, affiliations or activities that could be construed as a conflict with the activities of NAIW (International).

Use of NAIW's Intellectual Property
The name, trade-name and trademarks of NAIW (International) are intellectual property of NAIW (International). Any use by a member of the intellectual property of NAIW (International) must be authorized in advance by an authorized representative of NAIW(International).

Confidentiality
The reputation of NAIW (International) is a valuable asset and should not be exploited by a member for personal advantage or for the advantage of any other person or entity. Information about the activities of NAIW (International) that a member acquires and that is not generally known or available to the general public shall be treated as proprietary and confidential information of NAIW (International).

Acceptance of Gifts
Members shall not accept gifts, favors, loans, discounts, or other consideration (other than items of nominal value, i.e., less than $25.00 in the aggregate) from non-members in connection with their membership or service to NAIW (International), without advance disclosure and approval of the offer of such gift to an authorized representative of NAIW (International).

Disparagement
NAIW (International) members are expected to promote the best interests of NAIW (International) at all times. As a result, members agree not to disparage or bring into disrepute NAIW (International), its activities, members, officers, Directors, employees, agents and volunteers.

Personal Conduct
In order to protect the reputation of NAIW (International), no member of NAIW (International) shall have (i) been convicted of a felony, (ii) engaged in intentional, bad faith misconduct which is detrimental to NAIW (International), or (iii) suffered the loss of any insurance license issued by any governmental authority (collectively a "Disqualification"). In the event a member of NAIW (International) is determined to be Disqualified, the member shall immediately notify NAIW (International) in writing of the Disqualification.

If a member of NAIW (International) is Disqualified, all membership rights and privileges of such person shall immediately cease, whether or not the member has officially resigned his or her membership in NAIW (International). Members agree to cooperate with NAIW (International) with respect to any inquiry involving a Disqualification.

Violation
Any violation of this Code of Ethics shall be grounds for immediate revocation of membership and membership privileges. The Board of Directors of NAIW (International) has the authority to consider issues involving membership violations and may, in its sole discretion, determine to revoke the membership of any person that it determines has, more likely than not, violated this Code of Ethics. Because NAIW (International) membership is a privilege, and not a right, members shall not be entitled to any particular proceeding, representation, notice, or review process in connection with the consideration of issues involving violations of this Code of Ethics. NAIW (International) agrees to maintain, as confidential, any determination resulting in the revocation of the membership rights of a former NAIW (International) member.