This agreement applies as between you, the User of this Website and The National Association of Certified Financial Fiduciaries, the owner(s) of this Website. Your agreement to comply with and be bound by Clauses 1, 2, 4 – 12 and 16 – 26 of these Terms and Conditions is deemed to occur upon your first use of the Website. Clauses 3 and 13 – 15 apply only to the sale of Services and Products. If you do not agree to be bound by these Terms and Conditions, you should stop using the Website immediately.
No part of this Website is intended to constitute a contractual offer capable of acceptance. Your order constitutes a contractual offer and Our acceptance of that offer is deemed to occur upon Our sending a confirmation email to you indicating that your order has been accepted.
In this Agreement the following terms shall have the following meanings:
"Account": means collectively the personal information, Payment Information and credentials used by Users to access Paid Content and / or any communications System on the Website;
"Content": means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Website;
"Facilities": means collectively any online facilities, tools, services or information that The National Association of Certified Financial Fiduciaries makes available through the Website either now or in the future;
"Services": means the services available to you through this Website, specifically use of the The National Association of Certified Financial Fiduciaries proprietary e-learning platform;
"Products": means physical goods sold through the Website (including printed materials), where offered;
"Payment Information": means any details required to process payment for Services and/or Products through this Website. This may include, without limitation, credit/debit card details and other payment-related information required by our payment processors or approved third-party financing providers;
"Premises": means Our place(s) of business located at 1619 Providence Rd S, Ste 220-203, Marvin, NC 28173;
"System": means any online communications infrastructure that The National Association of Certified Financial Fiduciaries makes available through the Website either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links;
"User" / "Users": means any third party that accesses the Website and is not employed by The National Association of Certified Financial Fiduciaries and acting in the course of their employment;
"Website": means the website that you are currently using (certified-financial-fiduciary.learnworlds.com) and any sub-domains of this site (e.g. subdomain.yourschool.com) unless expressly excluded by their own terms and conditions; and
"We/Us/Our": means The National Association of Certified Financial Fiduciaries, a company incorporated in the United States, located at 1619 Providence Rd S, Ste 220-203, Marvin, NC 28173.
Persons under the age of 18 should use this Website only with the supervision of an Adult. Payment Information must be provided by or with the permission of an Adult.
These Terms and Conditions also apply to customers procuring Services and/or Products in the course of business.
-
4.1 Subject to the exceptions in Clause 6 of these Terms and Conditions, all Content included on the Website, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of The National Association of Certified Financial Fiduciaries, our affiliates or other relevant third parties. By continuing to use the Website you acknowledge that such material is protected by applicable United States and International intellectual property and other laws.
-
4.2 Subject to Clause 7 you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given Our express written permission to do so.
-
5.1 NACFF owns and controls the Certified Financial Fiduciary® certification and certification-related trademarks, service marks, logos, and related branding (collectively, the “Marks”).
-
5.2 Only individuals who hold a valid, current Certified Financial Fiduciary® certification are authorized to use the Marks, and only in accordance with NACFF’s policies and usage standards.
- 5.3 NACFF monitors use of the Marks on websites and other locations. Unauthorized use of the Marks by any person is strictly prohibited. NACFF may take appropriate measures to address unauthorized use that comes to its attention.
- 6.1 Unless otherwise expressly indicated, all Intellectual Property Rights (including, without limitation, copyrights and trademarks) in any third-party names, logos, product or service marks, images, materials, and descriptions displayed on or made available through the Website are the property of their respective owners and are used for identification or informational purposes only.
- 6.2 Subject to Clause 7, you may not reproduce, copy, distribute, store, or otherwise reuse any such third-party materials unless (a) otherwise indicated on the Website, or (b) you have obtained the relevant third party’s express written permission.
Material from the Website may be re-used without written permission only to the extent permitted under applicable United States copyright law, including the doctrine of “fair use” (17 U.S.C. § 107), or other applicable legal exceptions.
This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of The National Association of Certified Financial Fiduciaries or that of Our affiliates. We assume no responsibility for the content of such websites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Website does not imply any endorsement of the sites themselves or of those in control of them.
You may link to our Website, including to specific pages, provided that you do not suggest endorsement or affiliation where none exists and your use complies with these Terms and Conditions. We reserve the right to request removal of any link at our discretion. To find out more please contact Us by email at jmcclanahan@nationalcffassociation.org or call 704-930-0032.
- 10.1 When using any System on the Website you should do so in accordance with the following rules. Failure to comply with these rules may result in your Account being suspended or closed:
- 10.1.1 You must not use obscene or vulgar language;
- 10.1.2 You must not submit Content that is unlawful or otherwise objectionable. This includes, but is not limited to, Content that is abusive, threatening, harassing, defamatory, ageist, sexist or racist;
- 10.1.3 You must not submit Content that is intended to promote or incite violence;
- 10.1.4 It is advised that submissions are made using the English language as We may be unable to respond to inquiries submitted in any other languages;
- 10.1.5 The means by which you identify yourself must not violate these Terms and Conditions or any applicable laws;
- 10.1.6 You must not impersonate other people, particularly employees and representatives of The National Association of Certified Financial Fiduciaries or Our affiliates; and
- 10.1.7 You must not use Our System for unauthorized mass-communication such as "spam" or "junk mail".
- 10.2 You acknowledge that The National Association of Certified Financial Fiduciaries reserves the right to monitor any and all communications made to Us or using Our System.
- 10.3 You acknowledge that The National Association of Certified Financial Fiduciaries may retain copies of any and all communications made to Us or using Our System.
- 10.4 You grant us a non-exclusive license to use, display, and reproduce any content you submit through the Website to the extent necessary to operate the Website and provide the Services. If you have restrictions you wish to place on our use of such content, you must notify us in advance.
-
11.1 In order to procure Services on this Website and to use certain other parts of the System, you are required to create an Account which will contain certain personal details and Payment Information which may vary based upon your use of the Website as We may not require payment information until you wish to make a purchase. By continuing to use this Website you represent and warrant that:
-
11.1.1 all information you submit is accurate and truthful;
-
11.1.2 you have permission to submit Payment Information where permission may be required; and
-
11.1.3 you will keep this information accurate and up-to-date. Your creation of an Account is further affirmation of your representation and warranty.
-
11.2 It is recommended that you do not share your Account details, particularly your username and password. We accept no liability for any losses or damages incurred as a result of your Account details being shared by you. If you use a shared computer, it is recommended that you do not save your Account details in your internet browser.
-
11.3 If you have reason to believe that your Account details have been obtained by another person without consent, you should contact Us immediately to suspend your Account and cancel any unauthorized orders or payments that may be pending. Please be aware that orders or payments can only be cancelled up until provision of Services has commenced. In the event that an unauthorized provision commences prior to your notifying Us of the unauthorized nature of the order or payment then you shall be charged for the period from the commencement of the provision of services until the date you notified us and may be charged for a billing cycle of one month.
-
11.4 When choosing your username you are required to adhere to the terms set out above in Clause 10. Any failure to do so could result in the suspension and/or deletion of your Account.
-
12.1 Either The National Association of Certified Financial Fiduciaries or you may terminate your Account. If We terminate your Account, you will be notified by email and an explanation for the termination will be provided. Notwithstanding the foregoing, We reserve the right to terminate without giving reasons.
-
12.2 If We terminate your Account, any current or pending orders or payments on your Account will be cancelled and provision of Services will not commence.
-
13.1 Whilst every effort has been made to ensure that all general descriptions of Services and Products available from The National Association of Certified Financial Fiduciaries correspond to the actual Services and Products that will be provided to you, We are not responsible for any variations from these descriptions as the exact nature of the Services and Products may vary depending on your individual requirements and circumstances. This does not exclude Our liability for mistakes due to negligence on Our part and refers only to variations of the correct Services, not different Services altogether. Please refer to sub-Clause 13.8 for incorrect Services and Products.
-
13.2 Where appropriate, you may be required to select the required plan, course, or payment option.
-
13.3 We neither represent nor warrant that such Services and Products will be available at all times and cannot necessarily confirm availability until confirming your Order. Availability indications are not provided on the Website.
-
13.4 All pricing information on the Website is correct at the time of going online. We reserve the right to change prices and alter or remove any special offers from time to time and as necessary.
-
13.5 In the event that prices are changed during the period between an order being placed for Services and/or Products and Us processing that order and taking payment, then the price that was valid at the time of the order shall be used.
-
14.1 No part of this Website constitutes a contractual offer capable of acceptance. Your order constitutes a contractual offer that We may, at Our sole discretion, accept. Our acceptance is indicated by Us sending to you an order confirmation email. Only once We have sent you an order confirmation email will there be a binding contract between The National Association of Certified Financial Fiduciaries and you.
-
14.2 Order confirmations under sub-Clause 14.1 will be sent to you before the Services begin and shall contain the following information:
-
14.2.1 Confirmation of the Services and/or Products ordered including full details of the main characteristics of those Services and/or Products;
-
14.2.2 Fully itemized pricing for the Services and/or Products ordered including, where appropriate, taxes, delivery and other additional charges;
-
14.2.3 Relevant times and dates for the provision of the Services and/or Products;
-
14.2.4 User credentials and relevant information for accessing those Services and/or Products.
-
14.3 If We, for any reason, do not accept your order, no payment shall be taken under normal circumstances. In any event, any sums paid by you in relation to that order will be refunded within 14 calendar days.
-
14.4 Payment will be taken at checkout via your chosen payment method (e.g., credit/debit card or approved third-party financing options such as Klarna, where available). If you select a payment plan offered by us, you authorize us (and/or our payment processor) to charge the installment amounts on the schedule presented at checkout until paid in full, subject to our Cancellations Policy and applicable terms. If you choose Klarna (or any other third-party financing provider), your financing agreement is between you and that provider and is subject to the provider’s separate terms and eligibility requirements; however, your purchase of our products and services remains subject to these Terms and our Cancellations Policy.
-
14.5 For digital Services (including online Courses), access is typically granted promptly after successful payment and enrollment. For physical products (such as printed materials), delivery times may vary and will depend on fulfillment and shipping. We are not responsible for delays outside our reasonable control.
-
14.6 The National Association of Certified Financial Fiduciaries shall use all Our reasonable endeavors to provide the Services and Products with reasonable skill and care, commensurate with best trade practice.
-
14.7 In the event that Services and/or Products are provided that are not in conformity with your order and thus incorrect, you should contact Us immediately to inform Us of the mistake. We will ensure that any necessary corrections are made within five (5) working days.
- Additional terms and conditions may apply to the provision of certain Services and Products. You will be asked to read and confirm your acceptance of any such terms and conditions when completing your Order.
-
14.8 The National Association of Certified Financial Fiduciaries provides technical support via email and phone. The National Association of Certified Financial Fiduciaries makes every effort possible to respond in a timely manner but we do not guarantee a particular response time.
- 15.1 CF2 Certification Course Purchases. The CF2 Certification course fee is $2,495, which includes a non-refundable $495 application fee. If an application is not approved, the course fee may be refunded; however, the $495 application fee is non-refundable and will be retained by NACFF.
- 15.2 Refund Discretion. Except as expressly stated in Clause 15.1, refunds are granted at the discretion of NACFF certification staff, including (without limitation) refunds requested after purchase, partial refunds, or any other exception requests. NACFF may offer refunds in certain circumstances and may impose time limits or conditions, which will be communicated at checkout or in product-specific terms.
- 15.3 Printed Study Bundle (Physical Shipment). The Certified Financial Fiduciary® Printed Study Bundle is a physical product shipped to the mailing address provided at checkout. If you need to correct a shipping address or have an issue with delivery, please contact us as soon as possible. Refunds or replacements will be handled on a case-by-case basis at NACFF’s discretion.
- 15.4 To request a cancellation or refund, contact us at jmcclanahan@nationalcffassociation.org or 704-930-0032. Please include the purchaser’s name, the email used at checkout, and the product purchased.
- 15.5 Additional Terms. Additional product-specific terms may be presented during checkout. For CF2 Certification applicants, the CF2 Certification Application and related program materials may include additional requirements and terms, and you agree to comply with those requirements as applicable.
Use of the Website is also governed by Our Privacy Policy (certified-financial-fiduciary.learnworlds.com/privacy) which is incorporated into these Terms and Conditions by this reference. To view the Privacy Policy, please click on the link above.
We collect, use, and protect personal information in accordance with applicable privacy laws and our Privacy Policy located at certified-financial-fiduciary.learnworlds.com/privacy. We may use your information to provide and administer the Services, process payments, communicate with you about your account and purchases, and (if you opt in or where permitted) send updates about our programs. We do not sell your personal information.
-
18.1 We make no warranty or representation that the Website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service or Services.
-
18.2 No part of this Website is intended to constitute advice and the Content of this Website should not be relied upon when making any decisions or taking any action of any kind.
-
18.3 No part of this Website is intended to constitute a contractual offer capable of acceptance.
-
18.4 Whilst We use reasonable endeavors to ensure that the Website is secure and free of errors, viruses and other malware, you are strongly advised to take responsibility for your own internet security, that of your personal details and your computers.
We reserve the right to change the Website, its Content or these Terms and Conditions at any time. You will be bound by any changes to the Terms and Conditions from the first time you use the Website following the changes. If We are required to make any changes to these Terms and Conditions by law, these changes will apply automatically to any orders currently pending in addition to any orders placed by you in the future.
- 20.1 The Website is provided “as is” and on an “as available” basis. The National Association of Certified Financial Fiduciaries uses industry best practices to provide a high uptime, including a fault-tolerant architecture hosted in cloud servers. We give no warranty that the Website or Facilities will be free of defects and / or faults and we do not provide any kind of refund for outages. We provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.
- 20.2 We accept no liability for any disruption or non-availability of the Website resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship.
-
21.1 To the maximum extent permitted by law, We accept no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Website or any information contained therein. You should be aware that you use the Website and its Content at your own risk.
-
21.2 Nothing in these Terms and Conditions excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.
-
21.3 Nothing in these Terms and Conditions excludes or restricts The National Association of Certified Financial Fiduciaries's liability for any direct or indirect loss or damage arising out of the incorrect provision of Services or out of reliance on incorrect information included on the Website.
-
21.4 In the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these Terms and Conditions and shall not affect the validity and enforceability of the remaining Terms and Conditions. This term shall apply only within jurisdictions where a particular term is illegal.
In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.
In the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise.
Nothing in these Terms and Conditions shall confer any rights upon any third party. The agreement created by these Terms and Conditions is between you and The National Association of Certified Financial Fiduciaries.
-
25.1 All notices / communications shall be given to Us either by post to Our Premises (see address above) or by email to jmcclanahan@nationalcffassociation.org. Such notice will be deemed received 3 days after posting if sent by first class post, the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday.
-
25.2 We may from time to time, if you opt to receive it, send you information about Our products and/or services. If you do not wish to receive such information, please click on the ‘Unsubscribe’ link in any email which you receive from Us.
These Terms and Conditions, and any dispute arising out of or relating to these Terms and Conditions, shall be governed by and construed in accordance with the laws of the State of North Carolina. You and The National Association of Certified Financial Fiduciaries agree to submit to the exclusive jurisdiction of the state and federal courts located in North Carolina, and you consent to venue in such courts.
