Terms & 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.
Refund Policy
We are confident that you will be satisfied with your learning experience. However, if you need to cancel your online course enrollment for any reason, we grant refunds within the first 15 days of purchase. The 15 day refund period begins on the date of your initial purchase.
Subsequent enrollments in courses of the same certification are not refundable. Re-enrollments, extensions and continuation packages are not refundable. The first payment of a payment plan is refundable if you are within 15 days, but subsequent payments are not refundable.
Textbooks and other tangible materials are not refundable.
No refunds will be granted after 15 days from the date of original purchase. No exceptions (including medical, financial, etc.) will be made. Refunds are granted to first-time students only.
Please remember, if you are having difficulties, reach out to our team; we will always endeavor to go above and beyond to help you.
Last updated: December 28, 2023
Privacy Policy
This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.
Our Privacy Policy may be updated periodically to reflect changes in our practices or regulatory requirements. We will notify you of any significant changes by posting the new policy on our website and updating the ‘Last updated’ date.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of this Privacy Policy:
- Account means a unique account created for You to access our Service or parts of our Service.
- Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to The Boston Institute of Finance, 181 Wells Avenue Suite 103, Newton, MA 02459.
- Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
- Country refers to: Massachusetts, United States
- Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
- Personal Data is any information that relates to an identified or identifiable individual.
- Service refers to the Website.
- Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
- Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
- Website refers to The Boston Institute of Finance, accessible from www.bostonifi.com
- You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Collecting and Using Your Personal Data
Types of Data Collected
Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
- Email address
- First name and last name
- Phone number
- Address, State, Province, ZIP/Postal code, City
- Usage Data
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
- Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
- Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies on the Privacy Policies website article.
We use both Session and Persistent Cookies for the purposes set out below:
- Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services. - Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website. - Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
- To provide and maintain our Service, including to monitor the usage of our Service.
- To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
- For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
- To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
- To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
- To manage Your requests: To attend and manage Your requests to Us.
- For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
- For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.
We may share Your personal information in the following situations:
- With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
- For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
- With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
- With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
- With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
- With Your consent: We may disclose Your personal information for any other purpose with Your consent.
Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
Delete Your Personal Data
You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.
Our Service may give You the ability to delete certain information about You from within the Service.
You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.
Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.
Disclosure of Your Personal Data
Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
- Comply with a legal obligation
- Protect and defend the rights or property of the Company
- Prevent or investigate possible wrongdoing in connection with the Service
- Protect the personal safety of Users of the Service or the public
- Protect against legal liability
Security of Your Personal Data
We prioritize the security of your personal data. We implement a variety of security measures, including encryption and access controls, to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, transaction information, and data stored on our site.
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
Children's Privacy
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.
Links to Other Websites
Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Changes to this Privacy Policy
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.
We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, You can contact us at enrollment@bostonifi.com