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Terms & Conditions

These terms and conditions ("Terms of Use") govern the access and use of the
www.kaplanfinancial.com website and other websites that share the same domain
(the “Site”). You agree to be bound by the Terms of Use, which is an agreement
between Kaplan North America, LLC and you. You further acknowledge that you
reviewed the Privacy Policy and consent to the processing of your data.

BY YOUR USE OF THE SITE, YOU AGREE TO ABIDE BY THE TERMS OF USE INCLUDING THE
CERTIFICATIONS AT THE END OF THIS AGREEMENT AND ANY SUPPLEMENTAL TERMS OR
PRODUCT PAGES RELATED TO A PURCHASE, ALL OF WHICH ARE INCORPORATED INTO THESE
TERMS BY REFERENCE. IF YOU DO NOT AGREE, YOU MUST NOT ACCESS OR USE THIS SITE.

Webcasts powered by SuperChat Technology™, Online Courses, Question Banks,
Practice Exams, Pre-Course Assessment, Mastery Exams, Online Exams and Quizzes,
Video Lectures, Audio MP3s, eBooks, Portable Document Formats (PDFs) and
InstructorLink™ are online learning services provided by Kaplan subject to your
compliance with the terms and conditions set forth below.

Technology Requirements: You agree that your equipment will meet the minimum
system requirements set forth in Kaplan Financial Education's electronic
products, including Webcasts powered by SuperChat Technology™, Online Courses,
Question Banks, Practice Exams, Pre-Course Assessment, Mastery Exams, Online
Exams and Quizzes, Video Lectures, Audio MP3s, eBooks, Portable Document Formats
(PDFs), and InstructorLink™.

Content Modifications and Releases: You understand that Kaplan may revise the
content of its Site and online products from time to time to meet its training
objectives. It may add or remove materials that it considers as unnecessary or
no longer relevant for exam preparation. Once the material is removed it will
not be accessible and will not be available upon request. Study sessions may be
released periodically and the content will be updated continuously. You accept
this arrangement and understand that all content will be released in a timely
manner. Course titles are subject to change without notice.

Access Periods: You understand that online access to study materials for
Insurance licensing courses, components, and QBank software shall be granted for
a period of 90-days from the date of purchase. An additional 30-days may be
purchased for $29 USD and 90-days may be purchased for $49 USD. You understand
that online access to study materials for Securities licensing courses and QBank
software shall be granted for a period of five (5) months from the date of
purchase. An additional five (5) months may be purchased for $49 USD. This
extension must be requested within one (1) year of the date of your original
purchase. Total Access CE shall be granted for a period of 365 days from the
date of purchase. Additional extensions of time are not granted. For you to earn
credit for completing the course, Kaplan may be required to report your
completion along with your name and NPN or license number). You understand and
agree that we will report this information to the appropriate state regulatory
agency or their third-party administrators for reporting and that Kaplan will
collect the required reporting fee at the end of your course.

Performance Feedback: You will receive feedback about your performance on the
tests and exams utilized in the products. You understand that the performance
feedback is intended to highlight areas of your strengths and weaknesses and to
assist you in your preparation for the exam. The performance feedback is in no
way intended to act as a projection or a forecast of your actual exam score and
is solely a diagnostic tool of your knowledge as you prepare for the exam. Your
practice scores may be affected by factors beyond Kaplan’s control.

Changes to the Terms of Use: Kaplan reserves the right to change or modify the
Terms of Use or add terms at its sole discretion at any time. If you do not
agree to the modified terms of the Terms of Use, you should discontinue use.
Your continued access and use constitute binding acceptance of the modified
Terms of Use.

Children Under the Age of 13: No one under the age of 13 may provide any
information to or post any information on the Website. We do not knowingly
collect personal information from children under 13. If you are under 13, do not
(i) use or provide any information on the Website or on or through any of its
features, (ii) create an account on the Site, (iii) make any purchases through
the Site, (iv) use any of the interactive or public comment features of the
Site, or (v) provide any information about yourself to us.

Intellectual Property: All content and functionality on the Site, including
text, graphics, logos, icons, images, diagrams, animations, audio, and videos
and the selection and arrangement thereof, in addition to any concepts,
know-how, tools, frameworks, software, applications or other technology,
programs, algorithms, models, processes, and industry perspectives underlying or
embedded in the foregoing, along with any enhancements to or derivative works
(collectively, the “Content”) are owned by Kaplan, its direct or indirect
subsidiaries, affiliates, licensors, or other providers of such material and are
protected by United States and international copyright, trademark, patent, trade
secret, and other intellectual property or proprietary rights laws.

Subject to your compliance with these terms, Kaplan grants you a personal,
non-exclusive, non-transferable, revocable license to access and use the Site
and, if applicable, any programs or services you purchase solely for your own
personal, non-commercial use. Sharing, selling or attempting to transfer your
license is prohibited. You must not reproduce, distribute, modify, create
derivative works of, publicly display, publicly perform, re-publish, download,
store or transmit any of the material on the Site, Content or in any programs or
services, except as follows:

 * Your computer may temporarily store copies of such materials in RAM
   incidental to your accessing and viewing those materials.
 * You may store files that are automatically cached by your Web browser for
   display enhancement purposes.
 * If we provide desktop, mobile, or other applications for download, you may
   download a single copy to your computer or mobile device solely (or print a
   single copy) for your own personal, non-commercial use, provided you agree to
   be bound by our end user license agreement for such applications.
 * If we provide social media features with certain content, you may take such
   actions as are enabled by such features.

You must not:

 * Modify copies of any materials from the Site, Content, or any programs or
   services.
 * Resell, share, distribute, download, record, screenshot, copy, lease,
   transfer or commercially use the Site, Content, or any programs or services.
 * Create or attempt to create a substitute or similar service or product
   through the use of or access to the Site, Content, or any proprietary
   information.
 * Delete, deface or alter any copyright, trademark, or other proprietary rights
   notices from copies of materials from the Site, Content, or any programs or
   services.
 * Decompile, scrape, disassemble, reverse-engineer or otherwise attempt to
   steal the software code of the Site, Content, or any programs or services.

Shared use of Webcasts powered by SuperChat Technology™, Question Banks,
Practice Exams, Pre-Course Assessments, Mastery Exams, Online Exams and Quizzes,
Video Lectures, Audio MP3s, eBooks, Portable Document Formats (PDFs), and
InstructorLink™ is prohibited. Kaplan will only support registered purchases of
these products directly from Kaplan or from an authorized distributor.

Content created in My Notes will remain the sole property of the author.

Any use of the Site, Content, or any programs or services not expressly
permitted by these Terms of Use is a breach of these Terms of Use and may
violate copyright, trademark, and other laws.

Trademarks: The Site, Content, and the programs or services feature logos,
company names, product names, service names, designs, slogans and other
trademarks and service marks (collectively, the “Marks”) that are registered and
unregistered Marks of Kaplan, its direct or indirect subsidiaries, licensors, or
third-party providers. All of these Marks are the property of their respective
owners. Nothing contained in the Site, Content or in any of the programs or
services should be construed as granting, by implication, estoppel, or
otherwise, any license or right to use any Mark without written permission of
Kaplan or any such third party that may own a Mark displayed on the Website,
Content, or any programs or services. Kaplan reserves all rights not expressly
granted in and to the Site, Content, or any programs or services.

Third-Party Links and Frames: Kaplan prohibits (i) the framing of any materials
available through this site, and (ii) "deep linking" to pages of the Website
other than the main page. Kaplan reserves the right to disable any unauthorized
frames and specifically disclaims any responsibility for the contents of any
other websites linked to this site.

Third-Party Sellers: Kaplan may provide links to websites operated by third
parties. Kaplan makes no representations about any third-party websites that you
may access through this Website (“Third-Party Sellers”). Kaplan is not liable or
responsible for products and services purchased from Third-Party Sellers
(“Third-Party Products”) or for the acts or omissions of Third-Party Sellers.
Third-Party Sellers are solely responsible for information on the Website about
their Third-Party Products. Kaplan does not endorse or sponsor Third-Party
Sellers or Third-Party Products. If you visit a Third-Party Seller’s website or
purchase or use Third-Party Products you do so at your own risk.

Links to Third-Party Sites: The content on this Site may include links to
third-party websites and third-party web sites may link to the Site ("Linked
Sites"). If You use these links, You will leave the Site. Kaplan provides these
links to you as a convenience to deliver services and content. Kaplan does not
make any representations or take responsibility for such third-party sites,
including, without limitation, the accuracy or quality of their content,
services, data collected, advertising, and activities conducted on or through
such third-party sites. If You decide to access any of the third-party websites
linked to from the Site, You must follow the privacy policies and terms and
conditions for those third-party websites. YOU AGREE THAT KAPLAN WILL NOT, UNDER
ANY CIRCUMSTANCES, BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY
GOODS, SERVICES, INFORMATION, RESOURCES AND/OR CONTENT AVAILABLE ON OR THROUGH
ANY THIRD-PARTY SITES AND/OR THIRD-PARTY DEALINGS OR COMMUNICATIONS, OR FOR ANY
HARM RELATED THERETO, OR FOR ANY DAMAGES OR LOSS CAUSED OR ALLEGED TO BE CAUSED
BY OR IN CONNECTION WITH YOUR USE OR RELIANCE ON THE CONTENT OR BUSINESS
PRACTICES OF ANY THIRD PARTY.

User Content: If you submit comments, photos and other content to us (“User
Content”) through the Website, social media communities, survey responses, email
or otherwise, You grant us an irrevocable, royalty-free, perpetual,
transferable, license to use, modify, create derivative works from, publish,
display and sublicense User Content, in whole or in part, in any format and on
any platform either now known or hereinafter invented, and to associate User
Content with your name and/or likeness. You are solely responsible for your User
Content. You represent that you have the right to submit User Content to us and
the right to grant us the license described above. You warrant that User
Content, and our use thereof, does not and will not infringe any patent,
trademark, trade secret, copyright, or other intellectual or proprietary or
privacy right of any party or individual.

Copyright: Kaplan is committed to complying with copyright and related laws and
requires all users of the Site to comply with these laws. Accordingly, you may
not store any material or content or use or disseminate any material or content
through the Website in any manner that constitutes an infringement of
third-party intellectual property rights, including rights granted by copyright
law. Pursuant to 17 USC. § 512 as amended by Title II of the Digital Millennium
Copyright Act (the “DMCA”), we have instituted procedures to receive written
notification of claimed infringements and to process such claims in accordance
with the DMCA.

The Notice of Infringement contains requested information that substantially
complies with the safe harbor provisions of the Digital Millennium Copyright
Act, 17 USC. § 512(c)(3)(A), providing that to be effective under this
subsection, a notification of claimed infringement must be a written
communication provided to the designated agent of a service provider that
includes substantially the following:

 * A physical or electronic signature of a person authorized to act on behalf of
   the owner of an exclusive right that is allegedly infringed.
 * Identification of the copyrighted work claimed to have been infringed, or, if
   multiple copyrighted works are covered by a single notification, a
   representative list of such works at the Site.
 * Identification of the material that is claimed to be infringing or to be the
   subject of infringing activity and that is to be removed or access to which
   is to be disabled, and information reasonably sufficient to permit the
   service provider to locate the material.
 * Information reasonably sufficient to permit the service provider to contact
   the complaining party such as an address, telephone number, and if available,
   an electronic mail address at which the complaining party may be contacted.
 * A statement that the complaining party has a good faith belief that use of
   the material in the manner complained of is not authorized by the copyright
   owner, its agent or the law.
 * A statement that the information in the notification is accurate, and under
   penalty of perjury, that the complaining party is authorized to act on behalf
   of the owner of an exclusive right that is allegedly infringed.
 * Notification from a copyright owner or from a person authorized to act on
   behalf of the copyright owner that fails to comply substantially with the
   provisions above shall not be considered as providing actual knowledge or an
   awareness of facts or circumstances from which infringing activity is
   apparent.

Our Copyright Agent can be reached as follows:

By mail:
Attn: Copyright Agent
1515 W Cypress Creek Road
Fort Lauderdale, FL 33309

By phone:
(312) 385-1246

By email:
copyright@kaplan.edu

Passwords: Should you decide to set up a Kaplan account, You must choose a user
id and password. You are solely responsible for maintaining the confidentiality
of your user id and password and for any and all use of your account. If you
purchase a subscription, the subscription is non-transferable and is to be used
only by you. You agree not to disclose your user id or password to any third
party. Sharing of user ids and passwords is a violation of this Agreement and
will result in immediate suspension of your access to the product or services
without refund. Kaplan has the right to terminate your account for any reason at
our sole discretion without notice to you.

Disclaimer of Warranty: THE WEBSITE, ITS CONTENTS AND THE SERVICES AVAILABLE ON
THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT
REPRESENTATION OR WARRANTY OF ANY KIND. KAPLAN EXPRESSLY DISCLAIMS ALL
REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND WITH RESPECT TO
THE WEBSITE, ITS FUNCTIONALITY AND THE PROGRAMS AND SERVICES OFFERED ON THE
WEBSITE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF FITNESS FOR A PARTICULAR
PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY AND FREEDOM FROM COMPUTER VIRUSES OR
OTHER HARMFUL COMPONENTS. Some states do not allow the disclaimer or limitation
of warranties, so the disclaimers set forth above may not apply to you.

Limitation of Liability: IN NO EVENT SHALL KAPLAN, ITS PARTNERS, OFFICERS,
EMPLOYEES, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTENT OR SERVICE PROVIDERS BE
LIABLE FOR DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT,
COMPENSATORY, SPECIAL, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES EVEN IF
MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION UNDER
CONTRACT, NEGLIGENCE OR OTHER THEORY, ARISING OUT OF OR IN CONNECTION WITH THE
USE, INABILITY TO USE OR PERFORMANCE OF THE SITE AND/OR ANY CONTENT, MATERIALS
OR SERVICES AVAILABLE AT THE SITE. Some states do not allow the disclaimer or
limitation of damages, so the disclaimers set forth above may not apply to you.

Sanctions and Export Compliance: Kaplan complies with U.S., UK, EU, and other
economic and/or trade sanctions and export laws and regulations. Kaplan products
and services are not intended for distribution, or use in any jurisdiction or
country where such distribution or use would be contrary to law or regulation or
which would subject Kaplan to any registration requirement within such
jurisdiction or country. Thus, no Kaplan software or services may be used,
downloaded by, exported, or re-exported to: (a) a person located, organized, or
ordinarily resident in any country that is the subject of comprehensive
sanctions imposed by the U.S., UK, EU, or UN; (b) any person listed on any U.S.,
UK, EU, or other relevant sanctions- or export controls-related list of
prohibited or restricted parties, including but not limited to the U.S. Treasury
Department's list of Specially Designated Nationals and Blocked Nationals, the
U.S. Commerce Department's Denied Persons List or Entity List, the UK sanctions
list, or the EU consolidated list of persons, groups, and entities subject to EU
financial sanctions; (c) any entity 50% or more owned, directly or indirectly,
or controlled by any such person(s) described in (a) or (b); or (d) to any
person otherwise blocked by or the subject of sanctions imposed by the U.S., UK,
EU, or other relevant government or governing body. Access to this Site,
software, free products or course trials, applications for admission, purchases,
services, paid products, and payment or funding plans may be subject to
additional review to ensure ongoing compliance with legal requirements. Current
students or customers traveling or relocating outside of the U.S. may be unable
to access the learning management system, services, and courses from countries
or regions subject to economic and/or trade sanctions by the Office of Foreign
Assets Control (OFAC) or other authorities.

Arbitration and Class/Collective Action Waiver: Any and all disputes arising
from or related to this Agreement, including whether the dispute is arbitrable
and the scope of this arbitration agreement, shall be finally resolved by
arbitration administered by a single arbitrator under the then-applicable rules
of the American Arbitration Association (as modified herein) in accordance with
the Federal Arbitration Act. The arbitration shall be governed by and construed
by federal law to the fullest extent possible. Unless otherwise agreed by the
parties, the arbitration shall take place in the largest U.S. city within 100
miles of your permanent residence. If You reside outside the United States, then
the arbitration shall take place in accordance with the American Arbitration
Association Consumer Rules and Protocol. Judgment on the arbitral award may be
entered in any court having jurisdiction thereof.

To the maximum extent permitted by law, should You wish to initiate a legal
action against Kaplan in arbitration, You waive any right or ability to be a
class or collective action representative or to otherwise participate in any
putative or certified class, collective or multi-party action or proceeding
based on such a claim in which Kaplan or a related entity is a party. The same
applies to Kaplan's legal actions against You. Thus, You and Kaplan agree that
each may bring claims in arbitration against the other only in your or its
individual capacity and not as a plaintiff or class member in any purported
class. Further, unless both You and Kaplan agree otherwise, the arbitrator may
not consolidate more than one person's claims and may not otherwise preside over
a representative or class proceeding.

Tax: Purchases may be subject to taxes. Tax rates are different from state to
state. You are responsible for paying all such taxes.

Miscellaneous: These Terms supersede all prior oral or written agreements and
constitute the entire agreement between the parties. Terms cannot be changed or
modified orally. If any provision of Terms is found to be unenforceable for any
reason, such provision shall be construed by limiting it to make it enforceable
to the maximum extent permitted by law, and the remainder of Terms shall
continue in full force and effect.

Contact: All comments, queries and requests relating to these Terms and
Conditions are welcomed and should be addressed as follows:

By mail: Kaplan Inc. 1515 W Cypress Creek Road, Fort Lauderdale, FL 33309

By phone or chat options: https://www.kaplanfinancial.com/contact-us

Do not access or use the Site if you are unable to affirm any of the statements
below:

Certification and Release

 * You certify that neither you nor any person contributing to payment for
   Kaplan programs or services on your behalf are on any list of restricted
   persons with whom it is unlawful for a United States company to do business,
   or located in a jurisdiction where your use would violate law or regulation;
 * You certify that neither you nor any person contributing to payment for
   Kaplan programs or services on your behalf are an employee, contractor, or
   current or former official of the Government of Venezuela including all
   political subdivisions, agencies, or instrumentalities thereof);
 * You certify that you are not enrolling in the program or service in order to,
   nor will engage in any activity while enrolled in the program or service that
   will, cause Kaplan to violate any sanctions or export controls law, rules,
   and regulations;
 * You acknowledge that access to the program or service may cease when
   traveling or relocating outside the U.S. into countries or regions subject to
   economic and/or trade sanctions by the U.S. Treasury Department or other
   authorities;
 * Program sessions may be delivered through communications technologies
   including but not limited to Zoom, AdobeConnect, Brightcove, WebEx, and E360
   where recording may be enabled by the instructors or coaches (collectively
   "host(s)"). You will receive a notification (visual or otherwise) when
   recording is enabled in a class, tutoring or coaching session. You agree that
   Kaplan and any third-party technology vendor used to deliver the instruction,
   has consent to record any participation you choose to engage in during the
   sessions (i.e. chats, shared screen time initiated by you). The recordings
   may be made available to other Kaplan students for instruction, may be used
   internally for quality assurance and training to improve the programs or
   services, or for other internal purposes; and
 * YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THE TERMS OF USE IN THEIR
   ENTIRETY INCLUDING ANY AND ALL RELATED LINKS. BY CONTINUING TO ACCESS THE
   SITE, YOU AFFIRM TO THE TERMS OF USE AGREEMENT TO BE BOUND BY ITS TERMS.

Rev. April, 2022



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