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Certification Program Terms Conditions 2018-09-21T11:51:21+00:00

Terms and Conditions

Certification Program Terms & Conditions

The National Financial Educators Council’s Certified Financial Education Consultant (CFEC), Certified Personal Finance Consultant (CPFC) and the Certified Financial Education Instructor (CFEI) – hereafter the three Certifications (CFEI, CFEC, CPFC) are referred to ‘Certification Programs’ – grants the person that registered for the training program to use the Certification Programs designation and materials in accordance with the terms below.

In consideration for the rights granted under this Agreement (“Agreement”), the Person that registered for any of the Certification Programs agrees the NFEC retains ownership of the respective Certification Programs designations and all its resources, materials, systems, training and is bound to the terms herein. The person that registered for the Certification Programs agrees that this Agreement shall govern the rights and obligations of the NFEC and the Person that registered for the NFECs’ Certification Programs.

1(a). Agreement Acceptance. The End User accepts the Agreement by doing any of the following:

a) Logging onto the Certification Programs.
b) Receiving any Program material sent to the Person that registered for the Certification Programs by the NFEC or the NFEC’s third party distributors, product fulfillment companies or personnel.
c) Downloading any of the Certification Programs Training or Program material.
d) Signing and returning this Agreement.
e) Purchasing the Certification Programs through the NFEC or any of its affiliates, partners, retailers, etc.

1(b) Agreement Terms. Your registration in the NFECs’ Certification Programs gives you a 1 year (365 day) Agreement to study the Certification Program as long as you remain in good standing with the NFEC.

1(c) Return of Materials. Any and all printed and physical Materials must be returned to the NFEC if the Annual License is not renewed prior to renewal date. Licensee agrees that renewals are automatically processed 365 days after your order and no refunds will be given after your renewal is processed. If License is not renewed all mentions of Licensor and Licensors material must be removed and use of Certification Programs Materials, Systems and Recourses must stop immediately.

1(d) CFEC enrollee must notify the NFEC prior to the annual renewal. The renewal is automatically processed 365 days after your order. No refunds will be given after your renewal is processed. A reminder email will be sent prior to renewal. All Certification Programs materials, guide, certificate award and workbooks associated with the Certification Programs program must be mailed back and received by the NFEC prior to the renewal date. All mentions of Certification Programs and affiliation with the NFEC must be removed. The Certification Programs logo and digital badges must also be removed.

1(e) The person that registered for the Certification Programs may not refer to themselves as the respective designation they signed up for until the course requirements have been met and Person that registered for the Certification Programs is in compliance with the terms of this Agreement and in good standing with the NFEC.

2.Authorized End User.   This Agreement applies to the person that registered for the Certification Programs training program identified at the time of purchase and can be defined as a single individual that will utilize this material (“End User”). The only people that can log into and access the Certification Programs program are identified at time of purchase. The End User is responsible to notify others within their organization that they are bound by the terms of this Agreement. The Person that registered for the Certification Programs training program may change the End User by notifying the NFEC within seven (7) days of the purchase.

Agreement Granted.  This Certification Program and material licensing agreement is for one (1) year. The person that registered for the Certification Programs or any of their associates may not teach, share or deliver any lessons associated with the any respective Certification Programs coursework. The Agreement can be revoked at any point and Person that registered for the Certification Programs training programs must comply with the NFEC terms & conditions.

NFEC Certification Programs must adhere to our code of ethics:

1) Be prepared for all events, talks, workshops, etc. and maintain the highest professional standard which includes: being on time, knowing the material, and educating the attendees.
2) Are prohibited from giving specific investment or tax advice unless you have the professional certification that allows you to do so.
3) Ensure all information you are providing is accurate and delivered effectively.
4) Maintain the highest ethical and educational standards.
5) The Person that registered for the Certification Programs training program may not have been convicted of a sex offense or other crime that the NFEC deems inappropriate. The NFEC reserves the right to conduct a background check through the National Sex Offender Registry.

3(a) Timing. The Person that registered for the Certification Programs to complete the NFECs respective Certification training receive a 1-year Agreement to personally take the Certification Programs course. The renewal will take place 365 days after the Purchase Date. If the Certification is not renewed the Person that registered for the Certification Programs training program must immediately discontinue use of all NFEC Material and return all material prior to renewal date unless expressed in writing by the NFEC.  No refunds are issued after renewal is processed.

  1. a) Only after the successful completion of a Certification Programs testing and coursework can Person that registered for the Certification Programs refer to themselves as the Certification designation they earned.
    b) Annual renewal and annual testing are required to maintain program Agreement and retain authorized end user status. The annual investment is due 365 days after purchase and is subject to change by NFEC.
    c) The Certification Programs associated with the Person that registered for the CFEC training program training is prohibited to share. Certification Programs material, business training material and other material designed to educate the Person that registered for the CFEC training program cannot be shared.   The Certification Programs Program can only be taught directly by the NFEC and may not be shared, taught or delivered to any 3rd party under any circumstances.

3(b) Other Person that registered for the Certification Programs training program Terms.

a) No copies can be made of any material associated with the Certification Programs.
b) Sponsorships and partnerships may not include credit card companies or lenders whose main business is in high-interest rate loans (defined as above 16% APR) when using Agreement Presentations unless approved by the NFEC at a minimum of two weeks prior to the promotion.   Credit card companies or lenders whose main business is in high-interest rate loans (defined as above 16% APR) cannot be used in marketing or within the Presentations unless approved by the NFEC prior. This includes educational, marketing and other materials that connects the NFEC to the aforementioned group(s).
c) All marketing, promotion and outreach material must adhere to the guidelines set forth in the Agreement.
d) If the NFEC financial education standards is used in promotions or other forms of communication, the NFECs “National Financial Literacy Framework & Standards” and the “Framework for Teaching Personal Finance” must be mentioned prior to mentioning any other financial education industry standards.
e) The NFEC can modify, adjust or cancel this agreement at any time. A 60-day written notice will be delivered electronically to NFEC.
f) Person that registered for the Certification Programs training programs agree to protect Proprietary Information. Proprietary Information shall be deemed to include any trade secret, information, process, technique, algorithm, computer program (source and object code), design, drawing, formula or test data relating to any research project, work in progress, future development, engineering, manufacturing, marketing, marketing campaign, promotion, servicing, financing or personal matter relating to the disclosing party, its present or future products, sales, suppliers, clients, customers, employees, investors or business, whether in oral, written, graphic or electronic form. Person that registered for the Certification Programs shall maintain all Proprietary Information in trust and confidence and shall not disclose to any third party or use any Proprietary Information for any unauthorized purpose. Proprietary Information shall not be used for any purpose or in any manner that would constitute a violation of any laws or regulations, including without limitation the export control laws of the United States. No rights or Agreements to trademarks, inventions, copyrights, trade secrets or patents are implied or granted under this Agreement.

4. Prohibited Uses. The Person that registered for the Certification Programs recognizes and agrees that the Certification Programs course and Framework for Teaching Personal Finance and all Resources, Materials and Systems of the Certification Program are the property of the NFEC, the National Financial Educators Council, and are copyrighted. The Program contains proprietary information of the National Financial Educators Council and the Person that registered for the Certification Programs Training may not do any of the following:

a) Copy, reproduce, display, share or disclose information other than as consistent with the Agreement Granted section of this Agreement.
b) Sell, transfer, rent, sublicense, repurpose, combine or adapt the Programs or use them in any manner not expressly authorized by this agreement.
c) Remove or alter the copyright notice or other legal disclaimers contained within the Program, Training, Resources, Materials or Curriculum Packages.
d) Person that registered for the Certification Programs are not permitted to share, teach or deliver the Training associated with the Person that registered for the Certification Programs training, including sharing instructors guide, Certification Programs material, Framework for Teaching Personal Finance, business training material and other material designed to educate the Person that registered for the Certification Programs.
f) Person that registered for the Certification Programs must be current on annual renewal to maintain the License to use NFEC Programs, Material, Resources, Training and Curriculum Packages.

The Agreement to use the Material may be revoked at any time by the NFEC for violations of this agreement. The Agreement can be revoked upon non-renewal of the Certification Programs training program, upon violation of the terms and conditions, upon forfeiture of Certification Programs designation or upon the NFEC revoking of Certification Programs designation. If your Agreement is revoked there is no refund of any of the monies paid by NFEC to Person that registered for the Certification Programs.

5. Name Usage.   All mentions of NFEC branded material must include the National Financial Educators Councils name or NFEC. Examples of acceptable usage – the National Financial Educators Councils’ Real Money Experience or NFECs’ Real Money Experience. End User must use the name in marketing, press releases, outreach efforts, email blasts, direct mailers, television advertisements, internet marketing and all forms of media, outreach and marketing. These Names include but is not limited to NFEC, Certified Financial Education Consultant, Certified Financial Education Instructor, Certified Personal Finance Consultant, National Financial Capability Strategy, Financial Educators Day, Real Money Experience, Family Savings Challenge, Framework for Teaching Personal Finance, Financial Literacy Framework & Standards, SavingsFund, Financial Educators Council, Certified Financial Education Consultant, Certified Financial Education Professional, Financial EduNation, Money XLive, Cash Cow & Pig E. Bank, Financial EduNation Campaign, Revive the American Dream Movement, Financial Education Leadership Award, Financial Education Instructor Award, Financial Education Community, Ambassador Award, Financial Education Program Award, Financial Education Patriot Award, Financial Education Patron Award, Financial Education Advocate Award, Financial Education Book Award, Financial Education Organization Award, Financial Education Technology Award, Financial Education Game Award, Financial Education Research Award, Financial Literacy Testing Survey Center, Family Money Challenge, Financial Independence Week, Financial Education Publication Award, Core 12 Financial Capability Curriculum, Core 80 Financial Capability Curriculum, Life Stages Financial Literacy Curriculum.

5(a) Person that registered for the Certification Programs is prohibited from using any of the NFEC’s brand names as URLs’ social media page names, or in any online format.

5(b) Person that registered for the Certification Programs is prohibited from using any of the NFECs name or branded names or similar names in conjunction with any domain names or corporate names.

5(c) Upon graduation from the Certification Programs course and notification by the NFEC that you graduated, the End Users and their Organization can refer to themselves in accordance with the Certification Programs they graduated.  Example of a Certified Financial Education Consultant – “Certified Financial Education Consultant” or “NFEC Certified Financial Education Consultant” or “National Financial Educators Councils’ Certified Financial Education Consultant”. The Person that registered for the Certification Programs may refer to themselves as “NFEC Community Ambassadors”, “NFEC Financial Literacy Community Ambassadors”. Name Usage is revocable upon violation of any item of the contract, breach of NFEC Code of Ethics or upon 60-day written notice by the NFEC. Annual renewals must be current to use any of the NFEC names in this section.   Person that registered for the Certification Programs training program may not use the names of NFEC celebrity supporters.

6. Warranty. The National Financial Educators Council provides a thirty (30) day limited warranty. The electronic and physical Programs will be free from physical defects. The Program will be replaced if the Person that registered for the Certification Programs returns the Programs within 30 days of delivery. The 30-day warranty is ended and the investment is non-refundable after the NFEC begins work on any custom program which includes program design, web design, custom marketing pieces, media research, media releases, consultation or any other activity that is specifically created or done for the Person that registered for the Certification Programs. The NFEC does not warrant that the Program will meet the End Users expectation of needs. End User further understands typographical, spelling or grammar errors do not constitute a defect and no exchanges will be made for these Program errors.

7. Term. Due to the proprietary and valuable nature of the Training and Program Information, the obligations assumed by the End User shall be unlimited in time or territory or if it is held by a court of competent jurisdiction that this provision is illegal, invalid or unenforceable, shall apply up to five (5) years after disclosure of such Information. NFEC Certification Programs and Agreement are valid for one (1) year. The annual investment starts on the first day of year two (2) to maintain NFEC Certification Programs status and can use the Curriculum Packages, Material, Resources and Systems.

These terms and conditions are subject to change without notice, from time to time at the NFECs sole discretion. The NFEC will notify you of amendments to these terms and conditions by posting them on the website www.FinancialEducatorsCouncil.org and notifying parties via the email they entered into the system at time of purchase.

8. Assignment.   Recipient may not assign its rights, duties or obligations under this Agreement without the prior written approval of the NFEC. The NFEC shall have the right to transfer its interest in this Agreement without the consent of the End User.

9. Governing Law. This Agreement shall be construed in accordance with, and governed in all respects by, the laws of the State of Nevada, without regard to conflicts of law principles.

10. Counterparts.   This Agreement may be executed in several counterparts, each of which shall constitute an original and all of which, when taken together, shall constitute one agreement.

11. Severability.   If any part or parts of this Agreement shall be held unenforceable for any reason, the remainder of this Agreement shall continue in full force and effect. If any provision of this Agreement is deemed invalid or unenforceable by any court of competent jurisdiction, and if limiting such provision would make the provision valid, then such provision shall be deemed to be construed as so limited.

12. Notice.   Any notice required or otherwise given pursuant to this Agreement shall be in writing and mailed certified return receipt requested, postage prepaid, or delivered by overnight delivery service, addressed as follows:

National Financial Educators Council

400 S. 4th Street

Suite 500

Las Vegas, NV 89101

13. Entire Agreement.   This Agreement constitutes the entire agreement between the NFEC and End User, and supersedes any prior understanding or representation of any kind preceding the date of this Agreement. There are no other promises, conditions, understandings or other agreements, whether oral or written, relating to the subject matter of this Agreement.

14. No Earnings Projections, Promises or Representations. Person that registered for the CFEC training program understands and agrees that there are important risk factors that should be considered by you when deciding whether to implement any of the strategies or techniques taught in this financial education course. You recognize and agree that we have made no implications, warranties, promises, suggestions, projections, representations or guarantees whatsoever to you about future prospects or earnings, or that you will earn any money, with respect to your purchase of this financial education course, and that we have not authorized any such projection, promise, or representation by others.

Any earnings or income statements, or any earnings or income examples, are only estimates of what we think you could earn. There is no assurance you will do as well as stated in any examples. If you rely upon any figures provided, you must accept the entire risk of not doing as well as the information provided. This applies whether the earnings or income examples are monetary in nature or pertain to advertising credits which may be earned (whether such credits are convertible to cash or not). There is no assurance that any prior successes or past results as to earnings or income (whether monetary or advertising credits, whether convertible to cash or not) will apply, nor can any prior successes be used, as an indication of your future success or results from any of the information, content, or strategies. Any and all claims or representations as to income or earnings (whether monetary or advertising credits, whether convertible to cash or not) are not to be considered as “average earnings”.  You understand that this financial education course has not been available for purchase long enough to provide an accurate earnings history.

a) The Economy. The economy, where you live and do business, and on a national and even worldwide scale, creates additional uncertainty and economic risk. An economic recession or depression might negatively affect the results produced by this financial education course.

b) Your Success or Lack of It. Your success in using the information or strategies provided by this course depends on a variety of factors. We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, your dedication, your motivation, your desire, or your business skills or practices. Therefore, we do not guarantee or imply that you will get rich, that you will do as well, or that you will have any earnings (whether monetary or advertising credits, whether convertible to cash or not), at all. Businesses and earnings derived there from, involve unknown risks and are not suitable for everyone. You may not rely on any information presented in the course or otherwise provided by us, unless you do so with the knowledge and understanding that you can experience significant losses (including, but not limited to, the loss of any monies paid to purchase the course, and/or any monies spent in reliance upon the information provided in the course, and further, that you may have no earnings at all (whether monetary or advertising credits, whether convertible to cash or not).

c) Forward-Looking Statements. Materials contained in this course, or on the website where the course was purchased, may contain information that includes or is based upon forward-looking statements within the meaning of the securities litigation reform act of 1995. Forward-looking statements give our expectations or forecasts of future events. you can identify these statements by the fact that they do not relate strictly to historical or current facts. they use words such as “anticipate,” “estimate,” “expect,” “project,” “intend,” “plan,” “believe,” and other words and terms of similar meaning in connection with a description of potential earnings or financial performance. Any and all forward-looking statements in the course or on the website are intended to express our opinion of earnings potential. many factors will be important in determining your actual results and no guarantees are made that you will achieve results similar to ours or anybody else, in fact no guarantees are made that you will achieve any results from our ideas and techniques in our materials.

d)  Due Diligence. You are advised to do Your own due diligence when it comes to making business decisions and should use caution and seek the advice of qualified professionals. You should check with Your accountant, lawyer, investment advisor, or other appropriate professional before acting on this or any information. You may not consider any examples, documents, or other content on the course or otherwise provided by us to be the equivalent of legal, accounting, or investment advice. Nothing contained in the course or in materials available for sale or download on the website provides legal, investment, or accounting advice in any way. You should consult with your own attorney, financial investment advisor, and accountant with any questions you may have. We assume no responsibility for any losses or damages resulting from your use of any information or opportunity contained within the course, on the related website, or within any information disclosed by the owner of the course and the website in any form whatsoever.

e) Purchase Price. Although we believe the price is fair for the value that you receive, you understand and agree that the purchase price for this financial education course has been arbitrarily set by us. This price bears no relationship to objective standards.

f) Testimonials & Examples. Testimonials and examples for this course and on the related website are exceptional results, do not reflect the typical person that registered for the CFEC training program’s experience, don’t apply to the average person and are not intended to represent or guarantee that anyone will achieve the same or similar results. Where specific income or earnings (whether monetary or advertising credits, whether convertible to cash or not), figures are used and attributed to a specific individual or business, that individual or business has earned that amount. There is no assurance that you will do as well using the same information or strategies. If you rely on the specific income or earnings figures used, you must accept all the risk of not doing as well. The described experiences are atypical. Your financial results are likely to differ from those described in the testimonials. You understand that this course has not been available for purchase long enough for us to determine what are typical financial results.

Certification Program Material License Terms & Conditions

The National Financial Educators Council (“NFEC” or “Licensor”) grants the Licensee of the NFECs’ Material & Resources a limited, non-exclusive, License to use the NFEC’s Materials & Resources Package for the purpose of teaching financial literacy.

The Materials & Resources Package consists of the Instructors Guide, PowerPoint, Online Learning Center, Learning Management Systems, Testing, Surveys, Student Guides, Website, Marketing, Communication Resources, All Presentations, Reports, All Templates and Any and All Materials included with the purchase of any of the Certification Programs that are designed to teach personal finance to third party participants.

The Materials & Resources Package do not refer to Programs or Training associated with Certification Programs.

This license is non-transferable and is limited by the terms set in this Material License Terms Agreement

The NFEC retains the copyright and ownership off all Materials & Resources and all rights not expressly granted to Licensee.  In consideration for the rights granted under this License Agreement (“Agreement”), the Licensee agrees to be bound to the terms herein and agrees that this Agreement shall govern the rights and obligations of the Licensor and Licensee.

1(a).  The End User accepts the Agreement by doing any of the following:

a) Logging onto the Programs and Training webpage.
b) Receiving any Program material sent to the Licensee by the Licensor or the Licensor’s third party distributors, product fulfillment companies or personnel.
c) Downloading any of the Training or Program material.
d) Signing and returning this Agreement.
e) Purchasing the Certification Programs and Materials & Resources Packages through the NFEC or any of its affiliates, partners, retailers, etc.

1(b) Terms. Your payment for the Certification Programs gives you access for one (1) year to use the Materials & Resources Package as long as you are in good standing with the NFEC.

2. Authorized End User.

This Agreement applies to the purchaser identified at the time of purchase and can be defined as a single individual that will utilize this material (“End User”). The only individuals that are able use the Materials & Resources Package included in the Certification Programs if Licensee is in good standing with the NFEC. The End User is responsible to notify others within their organization that they are bound by the terms of this Agreement.  The Licensee may change the End User by notifying the NFEC within seven (7) days of the purchase.

3. License Granted.

This Certification Program Materials & Resources Package License is for one (1) year and will continue automatically if Licensee is in good standing with the NFEC and has paid the dues required.

Materials & Resources Package printed materials must be returned to the NFEC Certification Program is not renewed prior to renewal date.  The Certification Program and access to the Materials & Resources Package are subject are automatically processed 365 days after your order and no refunds will be given after your renewal is processed. All Materials & Resources Package must be mailed back and received by the NFEC prior to the renewal date. Upon nonrenewal, the Licensee may not access the Certification Training, Materials & Resources Package pages or any of the membership pages.  If Certification Training and Materials & Resources Package are not renewed all mentions of Licensor and Licensors material must also be removed.

3(a) Presenters.

Material can only be delivered by those in good standing with the NFEC and enrolled in the Certification Training.  No person can deliver the material that is not either a NFEC Certified Presenter.  For those building teams, building volunteers or hiring staff – you must contact the  NFEC and add those persons to the Registered Presenter list.  Addition fees may apply for Registered Presenters.   The License provided only provides CFEC and Registered Presenters the ability to deliver Licensors Presentations.

The Licensee(s) that select to complete the Licensors Certification Program receive a 1-year License to personally take the Certification course and use the Materials & Resources Package. If the Certification is not renewed or Licensee is not in good standing with the NFEC, the Licensee must immediately discontinue use of the Materials & Resources Package the day after the Certification expires unless expressed in writing by the Licensor.

3(b) Other Licensee Terms.

a) Licensee can charge for educational services and Presentations rendered.

b) Sponsorships and partnerships may not include credit card companies or lenders whose main business is in high-interest rate loans (defined as above 16% APR) when using Licensed Presentations unless approved by the Licensor at a minimum of two weeks prior to the promotion.   Credit card companies or lenders whose main business is in high-interest rate loans (defined as above 16% APR) cannot be used in marketing or within the Presentations unless approved by the Licensor prior.  This includes educational, marketing and other materials that connects the NFEC to the aforementioned group(s).

c) All marketing, promotion and outreach material must adhere to the guidelines set forth in the Agreement.

d) Licensee may donate the licensed Presentations to other groups upon written approval by the Licensor.

e) If the Licensee mentions financial education standards in promotions or other forms of communication, Licensee must mention the NFECs “National Financial Literacy Framework & Standards” prior to mentioning any other financial education industry standards In a font type and size relative to those surrounding it and legible to the average reader.

f) Licensees agree to protect Proprietary Information.  Proprietary Information shall be deemed to include any trade secret, information, process, technique, algorithm, computer program (source and object code), design, drawing, formula or test data relating to any research project, work in progress, future development, engineering, manufacturing, marketing, marketing campaign, promotion, servicing, financing or personal matter relating to the disclosing party, its present or future products, sales, suppliers, clients, customers, employees, investors or business, whether in oral, written, graphic or electronic form.  Licensee shall maintain all Proprietary Information in trust and confidence and shall not disclose to any third party or use any Proprietary Information for any unauthorized purpose.  Proprietary Information shall not be used for any purpose or in any manner that would constitute a violation of any laws or regulations, including without limitation the export control laws of the United States.  No rights or licenses to trademarks, inventions, copyrights, trade secrets or patents are implied or granted under this Agreement.

4 Prohibited Uses.

The Licensee recognizes and agrees that the Program, Training and Materials & Resources Package, Certification Training and Any and All Components provided by Licensor are the property of the Licensor, the National Financial Educators Council, and are copyrighted. The Program contains proprietary information of the National Financial Educators Council and the Licensee may not do any of the following:

a) Copy, reproduce, display, share or disclose information other than as consistent with the License Granted section of this Agreement.

b)  Sell, transfer, license, rent, sublicense, repurpose, combine or adapt the Programs or use them in any manner not expressly authorized by this agreement.

c)  Remove or alter the copyright notice or other legal disclaimers contained within the Program, Training or Curriculum Packages.

d) Licensee are not permitted to share, teach or deliver the Certification Program Training associated with the Licensee training, including sharing instructors guide, Certification Materials, business training material and other material designed to educate the Licensee. The PowerPoint Curriculum Packages may not be given to participants physically or virtually; however, they may be viewed by participants during a Curriculum Package where Licensee maintain control of the Curriculum Packages on Licensees computer.

e) Licensee must be current on annual renewal to use NFEC Certification Programs, Training and Materials & Resources Package.

The License to use the Material may be revoked at any time by the Licensor for violations of this agreement.

6. Warranty. The National Financial Educators Council provides a thirty (30) day limited warranty. The electronic and physical Programs will be free from physical defects. The Program will be replaced if the Person that registered for the Certification Programs returns the Programs within 30 days of delivery. The 30-day warranty is ended and the investment is non-refundable after the NFEC begins work on any custom program which includes program design, web design, custom marketing pieces, media research, media releases, consultation or any other activity that is specifically created or done for the Person that registered for the Certification Programs. The NFEC does not warrant that the Program will meet the End Users expectation of needs. End User further understands typographical, spelling or grammar errors do not constitute a defect and no exchanges will be made for these Program errors.

7. Term. Due to the proprietary and valuable nature of the Training and Program Information, the obligations assumed by the End User shall be unlimited in time or territory or if it is held by a court of competent jurisdiction that this provision is illegal, invalid or unenforceable, shall apply up to five (5) years after disclosure of such Information. NFEC Certification Programs and Agreement are valid for one (1) year. The annual investment starts on the first day of year two (2) to maintain NFEC Certification Programs status and have the ability to use the Curriculum Packages, Material, Resources and Systems.

These terms and conditions are subject to change without notice, from time to time at the NFECs sole discretion. The NFEC will notify you of amendments to these terms and conditions by posting them on the website www.FinancialEducatorsCouncil.org and notifying parties via the email they entered into the system at time of purchase.

8. Assignment. Recipient may not assign its rights, duties or obligations under this Agreement without the prior written approval of the NFEC. The NFEC shall have the right to transfer its interest in this Agreement without the consent of the End User.

9. Governing Law. This Agreement shall be construed in accordance with, and governed in all respects by, the laws of the State of Nevada, without regard to conflicts of law principles.

10. Counterparts. This Agreement may be executed in several counterparts, each of which shall constitute an original and all of which, when taken together, shall constitute one agreement.

11. Severability. If any part or parts of this Agreement shall be held unenforceable for any reason, the remainder of this Agreement shall continue in full force and effect. If any provision of this Agreement is deemed invalid or unenforceable by any court of competent jurisdiction, and if limiting such provision would make the provision valid, then such provision shall be deemed to be construed as so limited.

12. Notice. Any notice required or otherwise given pursuant to this Agreement shall be in writing and mailed certified return receipt requested, postage prepaid, or delivered by overnight delivery service, addressed as follows:

National Financial Educators Council

400 S. 4th Street

Suite 500

Las Vegas, NV 89101

 

13. Entire Agreement. This Agreement constitutes the entire agreement between the NFEC and End User, and supersedes any prior understanding or representation of any kind preceding the date of this Agreement. There are no other promises, conditions, understandings or other agreements, whether oral or written, relating to the subject matter of this Agreement.

14. No Earnings Projections, Promises or Representations. Person that registered for the CFEC training program understands and agrees that there are important risk factors that should be considered by you when deciding whether to implement any of the strategies or techniques taught in this financial education course. You recognize and agree that we have made no implications, warranties, promises, suggestions, projections, representations or guarantees whatsoever to you about future prospects or earnings, or that you will earn any money, with respect to your purchase of this financial education course, and that we have not authorized any such projection, promise, or representation by others.

Any earnings or income statements, or any earnings or income examples, are only estimates of what we think you could earn. There is no assurance you will do as well as stated in any examples. If you rely upon any figures provided, you must accept the entire risk of not doing as well as the information provided. This applies whether the earnings or income examples are monetary in nature or pertain to advertising credits which may be earned (whether such credits are convertible to cash or not). There is no assurance that any prior successes or past results as to earnings or income (whether monetary or advertising credits, whether convertible to cash or not) will apply, nor can any prior successes be used, as an indication of your future success or results from any of the information, content, or strategies. Any and all claims or representations as to income or earnings (whether monetary or advertising credits, whether convertible to cash or not) are not to be considered as “average earnings”.  You understand that this financial education course has not been available for purchase long enough to provide an accurate earnings history.

a) The Economy. The economy, where you live and do business, and on a national and even worldwide scale, creates additional uncertainty and economic risk. An economic recession or depression might negatively affect the results produced by this financial education course.

b) Your Success or Lack of It. Your success in using the information or strategies provided by this course depends on a variety of factors. We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, your dedication, your motivation, your desire, or your business skills or practices. Therefore, we do not guarantee or imply that you will get rich, that you will do as well, or that you will have any earnings (whether monetary or advertising credits, whether convertible to cash or not), at all. Businesses and earnings derived there from, involve unknown risks and are not suitable for everyone. You may not rely on any information presented in the course or otherwise provided by us, unless you do so with the knowledge and understanding that you can experience significant losses (including, but not limited to, the loss of any monies paid to purchase the course, and/or any monies spent in reliance upon the information provided in the course, and further, that you may have no earnings at all (whether monetary or advertising credits, whether convertible to cash or not).

c) Forward-Looking Statements. Materials contained in this course, or on the website where the course was purchased, may contain information that includes or is based upon forward-looking statements within the meaning of the securities litigation reform act of 1995. Forward-looking statements give our expectations or forecasts of future events. you can identify these statements by the fact that they do not relate strictly to historical or current facts. they use words such as “anticipate,” “estimate,” “expect,” “project,” “intend,” “plan,” “believe,” and other words and terms of similar meaning in connection with a description of potential earnings or financial performance. Any and all forward looking statements in the course or on the website are intended to express our opinion of earnings potential. many factors will be important in determining your actual results and no guarantees are made that you will achieve results similar to ours or anybody else, in fact no guarantees are made that you will achieve any results from our ideas and techniques in our materials.

d) Due Diligence. You are advised to do Your own due diligence when it comes to making business decisions and should use caution and seek the advice of qualified professionals. You should check with Your accountant, lawyer, investment advisor, or other appropriate professional before acting on this or any information. You may not consider any examples, documents, or other content on the course or otherwise provided by us to be the equivalent of legal, accounting, or investment advice. Nothing contained in the course or in materials available for sale or download on the website provides legal, investment, or accounting advice in any way. You should consult with your own attorney, financial investment advisor, and accountant with any questions you may have. We assume no responsibility for any losses or damages resulting from your use of any information or opportunity contained within the course, on the related website, or within any information disclosed by the owner of the course and the website in any form whatsoever.

e) Purchase Price. Although we believe the price is fair for the value that you receive, you understand and agree that the purchase price for this financial education course has been arbitrarily set by us. This price bears no relationship to objective standards.

f) Testimonials & Examples. Testimonials and examples for this course and on the related website are exceptional results, do not reflect the typical person that registered for the CFEC training program’s experience, don’t apply to the average person and are not intended to represent or guarantee that anyone will achieve the same or similar results. Where specific income or earnings (whether monetary or advertising credits, whether convertible to cash or not), figures are used and attributed to a specific individual or business, that individual or business has earned that amount. There is no assurance that you will do as well using the same information or strategies. If you rely on the specific income or earnings figures used, you must accept all the risk of not doing as well. The described experiences are atypical. Your financial results are likely to differ from those described in the testimonials. You understand that this course has not been available for purchase long enough for us to determine what are typical financial results.

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