Terms and Conditions

Introduction
The Boston Institute of Finance online service (the "Service") and related web  sites (the "Web Site") are provided by Boston Institute of Finance. Use of the  Service and of the Web Site is subject to any written agreement that has been  executed by and between Boston Institute of Finance ("BIF") and any entity,  such as your employer, that is compensating Boston Institute of Finance for  your use of the Service and Web Site, or, in the absence of such an agreement,  this End-User Agreement (the "Agreement"). The terms "you" and "user" refer to  all individuals and entities accessing the Service and Web Site for any reason.

Acceptance
By using the Service and Web Site, you are indicating your agreement to be  bound by this Agreement. In the event that your employer or any other third  party has requested BIF to provide access to you, you represent and warrant  that you have authority to bind such entity. BIF may revise this Agreement at  any time by posting an update to this page.

Payment
You agree to pay the posted fees for the Service. You authorize BIF to charge  your credit card for all fees you incur for use of the Service. If BIF does not  receive payment from the card issuer, you shall pay BIF all amounts due upon  demand. BIF may take commercially reasonable actions to validate your credit  card. You shall pay any taxes, including personal property taxes or sales  taxes, resulting from use of the Service.

By enrolling in a payment plan over multiple months, you authorize BIF to automatically charge your credit card every month until the tuition is paid in full. You also agree to make all the payments until the full tuition is paid off. Discontinuation of payment will result in immediately suspension of access and withholding of  transcripts and certificate of completion.

You have the right to a refund within 15 days from date of purchase. No refunds will be granted after 15 days from purchase. No exceptions (including medical, financial or any other reason thereof). Refunds are granted only once for first-time students. Re-enrollments, extensions and offline materials are non-refundable.

Modifications
BIF reserves the right, at its discretion, to modify the Service, this  Agreement and the fees for the Service at any time upon thirty (30) days prior  notice, written or electronic. You shall have the right to terminate this  Agreement by providing BIF written or electronic notice within fifteen (15)  days following receipt of notice of any (i) modifications to the Service that  would result in a material decrease in the content of the Service, (ii)  modifications to the Agreement that would materially decrease your rights or  materially increase your obligations under the Agreement, or (iii) increases in  fees. Failure to so terminate shall constitute your acceptance of such  modifications.

License
BIF grants to you a non-exclusive, non-transferable right to access and use the  Service for which you have paid the applicable fees, during the period for  which you have paid such fees.

Ownership
The Service, including without limitation all text, graphics, sounds, images  and other materials contained therein, are owned by BIF and its third-party  content and service providers and are protected by United States and foreign  intellectual property laws. Any use of the Service except as permitted under  this Agreement is strictly forbidden and may violate copyright, trademark and  other laws. You may not sell or modify the Service or reproduce, display,  publicly perform, distribute, or otherwise use the Service in any way for any  public or commercial purpose. You may not copy, disassemble, modify, reverse  engineer, decompile or adapt the HTML or other code that BIF uses to generate  its pages. This code is also protected by BIF's copyright and other  intellectual property rights.

User Account, Password and Security
Upon completing the Service's registration process, you have entered a password  and account designation (your e-mail address). You are responsible for  maintaining the confidentiality of the password and account, and are fully  responsible for all activities that occur under your password or account. You  agree to (a) immediately notify BIF of any unauthorized use of your password or  account or any other breach of security, and (b) ensure that you exit from your  account at the end of each session.

Use Restrictions
General Rules: You may not use the Web Site in order to transmit, distribute,  store or destroy material (a) in violation of any applicable law or regulation,  (b) in a manner that will infringe the copyright, trademark, trade secret or  other intellectual property rights of others or violate the privacy, publicity  or other personal rights of others, or (c) that is defamatory, obscene,  threatening, abusive, hateful, or otherwise objectionable, in BIF's sole  discretion.

Security Rules: You may not violate or attempt to violate the security of the  Web Site or use the Web Site to violate the security of other systems or Web  sites by any method, including, without limitation: (a) accessing data not  intended for you or logging into a server or account which you are not  authorized to access, (b) attempting to probe, scan or test the vulnerability  of a system or network or to breach security or authentication measures without  proper authorization, (c) attempting to interfere with service to any user of  the Service, the Web Site, host or network, including, without limitation, via  means of submitting a virus to the Web Site, overloading, "flooding,"  "spamming," "mailbombing," or "crashing" the Web Site, (d) sending unsolicited  e-mail, including promotions or advertising of products or services, or (e)  forging any BIF packet header or any part of the header information in any  e-mail or newsgroup posting. Violations of system or network security may  result in civil or criminal liability. BIF may investigate violations of this  Agreement and may involve and cooperate with law enforcement authorities in  prosecuting users who are involved in such violations.

Specific Prohibited Uses: Without limitation, BIF specifically prohibits any use  of the Web Site for any of the following:

  • distributing or otherwise publishing, without BIF's prior approval, any  material containing any solicitation of funds, promotion, advertising, or  solicitation for goods or services;
  • soliciting other users of the Service or  the Web Site to join or become members of any online or other service; or
  • deleting  or revising any material posted by any other person or entity.

Forum User Conduct and Indemnity
You understand that all information, data, text, software, music, sound,  photographs, graphics, video, messages or other materials ("Content"), whether  publicly posted or privately transmitted, are the sole responsibility of the  person from which such Content originated. This means that you, and not BIF,  are entirely responsible for all Content that you upload, post, email, transmit  or otherwise make available via the Service. BIF does not control the Content  posted via the Service and, as such, does not guarantee the accuracy, integrity  or quality of such Content. You understand that by using the Service, you may  be exposed to Content that is offensive, indecent or objectionable. Under no  circumstances will BIF be liable in any way for any Content, including, but not  limited to, for any errors or omissions in any Content, or for any loss or  damage of any kind incurred as a result of the use of any Content posted,  emailed, transmitted or otherwise made available via the Service.

You acknowledge that BIF may or may not pre-screen Content, but that BIF and its  designees shall have the right (but not the obligation) in their sole  discretion to pre-screen, refuse, or move any Content that is available via the  Service. Without limiting the foregoing, BIF and its designees shall have the  right to remove any Content that is or is deemed to be objectionable. You agree  that you must evaluate, and bear all risks associated with, the use of any  Content, including any reliance on the accuracy, completeness, or usefulness of  such Content. In this regard, you acknowledge that you may not rely on any  Content created by BIF or submitted to BIF, including without limitation  information in BIF Forums, and in all other parts of the Service.

You acknowledge, consent and agree that BIF may access, preserve, and disclose  your account information and Content if required to do so by law or in a good  faith belief that such access preservation or disclosure is reasonably  necessary to: (a) comply with legal process; (b) respond to claims that any  Content violates the rights of third-parties; (c) respond to your requests for  customer service; or (d) protect the rights, property, or personal safety of  BIF, its users and the public.

You agree to indemnify and hold BIF, and its subsidiaries, affiliates, officers,  agents, co-branders or other partners, and employees, harmless from any claim  or demand, including reasonable attorneys' fees, made by any third party due to  or arising out of Content you submit, post, transmit or make available through  the Service, your use of the Service, your connection to the Service, your  violation of these terms and conditions, or your violation of any rights of  another.

Boston Institute of Finance's Liability
The Service may contain inaccuracies or typographical errors. Neither BIF nor  its third-party content or service providers make any representations about the  accuracy, reliability, completeness or timeliness of the Service, including  without limitation any text, graphics (including calculators), sounds, images  or other materials contained therein. The use of the Service is at your own  risk. BIF reserves the right, in its discretion, to modify, add, or remove  portions of the Service at anytime without notice. You acknowledge and agree  that you are solely responsible for the form, content and accuracy of any  information you upload to the Service.

The Service may contain inaccuracies or typographical errors. Neither BIF nor  its third-party content or service providers make any representations about the  accuracy, reliability, completeness or timeliness of the Service, including  without limitation any text, graphics (including calculators), sounds, images  or other materials contained therein. The use of the Service is at your own  risk. BIF reserves the right, in its discretion, to modify, add, or remove  portions of the Service at anytime without notice. You acknowledge and agree  that you are solely responsible for the form, content and accuracy of any  information you upload to the Service.

The information contained in the Service is provided for general guidance on  matters of interest only and should be used for general education purposes  only. Course information is provided with the understanding that the authors  and publishers are not engaged in rendering legal, accounting, tax, securities,  financial planning or other professional advice or services. Accordingly, it  should not be used as a substitute for consultation with professional legal,  accounting, tax, securities, financial and other advisors. The material  presented is for educational use only and should not be used for making actual  financial decisions. Consult a financial professional before making any  investment decisions.

THE SERVICE IS PROVIDED TO YOU ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY  KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BOSTON INSTITUTE OF  FINANCE AND ITS THIRD-PARTY CONTENT AND SERVICE PROVIDERS DISCLAIM ALL  WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED  WARRANTIES OF AVAILABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE  AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, BOSTON INSTITUTE OF  FINANCE AND ITS THIRD-PARTY CONTENT AND SERVICE PROVIDERS SPECIFICALLY DISCLAIM  ANY WARRANTY (A) THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, (B) THAT  DEFECTS WILL BE CORRECTED, (C) THAT THERE ARE NO VIRUSES OR OTHER HARMFUL  COMPONENTS, (D) THAT THE SECURITY METHODS EMPLOYED WILL BE SUFFICIENT, AND (E)  REGARDING CORRECTNESS, ACCURACY, OR RELIABILITY.

Limitation of Remedies
TO THE FULLEST EXTENT PERMITTED BY LAW, BOSTON INSTITUTE OF FINANCE AND ITS  THIRD-PARTY CONTENT AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR (I) ANY  DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES  ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE (INCLUDING WITHOUT  LIMITATION ANY INFORMATION PROVIDED ON OR THROUGH THE SERVICE), INCLUDING  WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS  OR OTHER DATA, EVEN IF BOSTON INSTITUTE OF FINANCE HAS BEEN ADVISED OF THE  POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS,  OMISSIONS OR OTHER INACCURACIES IN THE SERVICE.

Termination
You agree that BIF may, under certain circumstances and without prior notice,  immediately terminate your account, any associated email address, and access to  the Service. Cause for such termination shall include, but not be limited to,  (a) breaches or violations of the Agreement or other incorporated agreements or  guidelines, (b) any failure by you to pay to BIF amounts due hereunder, (c)  providing false or misleading information, (d) interference with other users or  the administration of our services, (e) requests by law enforcement or other  government agencies, (f) a request by you (self-initiated account deletions),  (g) discontinuance or material modification to the Service (or any part  thereof), (h) unexpected technical or security issues or problems, and (i)  extended periods of inactivity.

General
BIF makes no claims that the Service may be lawfully viewed or downloaded  outside of the United States. Access to the Service may not be legal by certain  persons or in certain countries. If you access the Service from outside of the  United States, you do so at your own risk and are responsible for compliance  with the laws of your jurisdiction. This Agreement is governed by the internal  substantive laws of the Commonwealth of Massachusetts, without respect to its  conflict of laws principles. Jurisdiction of any claims arising under this  Agreement will lie exclusively with the state or federal courts within Boston,  Massachusetts, and you consent to the exclusive personal jurisdiction of such  courts if there is a dispute between you and BIF. You may not institute any  action in any form arising out of use of the Service or this Agreement more  than eighteen (18) months after the cause of action has arisen. If any of this  Agreement is found to be invalid by any court having competent jurisdiction,  that invalidity will not affect the validity of the remaining portions, which  will remain in full force and effect. No waiver of any term will be deemed a  further or continuing waiver of such provision or any other provision. This  Agreement constitutes the entire agreement between you and BIF with respect to  the use of the Service. No changes to this Agreement may be made except by a  revised posting by BIF on this page, and no waiver of any term will be  effective unless it is in writing and signed by a representative of BIF.

This page was last updated on 01/01/2007.

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