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TERMS OF SERVICE

Welcome to Emeritus. Please read these terms of service (“TOS”) and the
Emeritus Privacy Policy prior to using any portion of the Emeritus website (the
“Site,” which consists of all content and pages located within the Emeritus.org
web domain), including accessing any course material, chat rooms, or other
electronic services. These TOS and the Privacy Policy are Agreements (the
“agreements”) between you and Emeritus. By using the Site, you accept and agree
to be legally bound by the Agreements, whether or not you are a registered user.
If you do not understand or do not wish to be bound by the terms of the
Agreements, you should not use the Site.

Emeritus reserves the right to modify these TOS at any time without advance
notice. Any changes to these TOS will be effective immediately upon posting on
this page, with an updated effective date. By accessing the Site after any
changes have been made, you signify your agreement on a prospective basis to the
modified TOS and all of the changes. Be sure to return to this page periodically
to ensure familiarity with the most current version of these TOS.

RULES FOR ONLINE CONDUCT

You agree that you are responsible for your own use of the Site and for your
user postings. “User postings” include all content submitted, posted, published,
or distributed on the Site by you or other users of the Site, including but not
limited to all forum posts, wiki edits, notes, questions, comments, videos, and
file uploads. You agree that you will use the Site in compliance with these TOS
and all applicable local, state, national and international laws, rules and
regulations, including copyright laws, any laws regarding the transmission of
technical data exported from your country of residence, and all Singapore laws.

As a condition of your use of the Emeritus services, you will not use the Site
in any manner intended to damage, disable, overburden or impair any Emeritus
server or the network(s) connected to any Emeritus server or to interfere with
any other party’s use and enjoyment of the Site. You may not attempt to gain
unauthorized access to the Site, other accounts, computer systems or networks
connected to any Emeritus server through hacking, password mining or any other
means. You may not obtain or attempt to obtain any materials or information
stored on the Site, its servers or associated computers through any means not
intentionally made available through the Site.

The following list of items is strictly prohibited on the Site:

 1. Content that infringes another’s intellectual property, including, but not
    limited to, copyrights or trademarks;
 2. Advertising or any form of commercial solicitation;
 3. Content related to partisan political activities;
 4. Content that defames, harasses, or threatens others;
 5. Content that discusses illegal activities with the intent to commit them;
 6. Profane, pornographic, obscene, indecent, or unlawful content;
 7. Content that contains intentionally inaccurate information or that is posted
    with the intent of misleading others.
 8. Viruses, trojan horses, worms, time bombs, corrupted files, malware,
    spyware, or any other similar software that may damage the operation of
    another’s computer or property; and

Furthermore, you agree not to scrape, or otherwise download in bulk, any Site
content, including but not limited to a list or directory of users on the
system, on-line textbooks, user postings or user information. You agree not to
misrepresent or attempt to misrepresent your identity while using the Site.

YOUR RIGHT TO USE CONTENT ON THE SITE

Copyright on the Emeritus Site and all materials included in it is owned by or
licensed to Emeritus and all rights are reserved. You must abide by all
copyright notices and restrictions contained on the Emeritus Site. You may not
copy, distribute, enter into a database, display, perform, create derivative
works of, transmit, or otherwise use any materials from the Emeritus Site
(including computer programs or other code) (“Site Materials), except that you
make a reasonable number of machine-readable copies of the Site Materials only
for personal, non-commercial use, and only if you do not alter the text or
remove any trademark, copyright, or other notice displayed on the Site
Materials. Unless otherwise expressly stated on the Site, the texts, exams,
video, images and other instructional materials provided with the courses
offered on this Site are for your personal use in connection with those courses
only.

Certain reference documents, digital textbooks, articles and other information
on the Site are used with the permission of third parties, and use of that
information is subject to certain rules and conditions, which will be posted
along with the information. By using this Site you agree to abide by all such
rules and conditions.

USER POSTINGS

User postings representations and warranties. By submitting or distributing your
user postings, you affirm, represent and warrant (1) that you have the necessary
rights, licenses, consents and/or permissions to reproduce and publish, the user
postings and to authorize Emeritus and its users to reproduce, modify, publish
and otherwise use and distribute your user postings in a manner consistent with
the licenses granted by you below, and (2) that neither your submission of your
user postings nor the exercise of the licenses granted below will infringe or
violate the rights of any third party. You, and not Emeritus, are solely
responsible for your user postings and the consequences of posting or publishing
them.

License grant to Emeritus. By submitting or distributing your user postings, you
hereby grant to Emeritus a worldwide, non-exclusive, transferable, assignable,
sub licensable, fully paid-up, royalty-free, perpetual, irrevocable right and
license to host, transfer, display, perform, reproduce, modify, distribute,
re-distribute, relicense, and otherwise use, make available and exploit your
user postings, in whole or in part, in any form and in any media formats and
through any media channels (now known or hereafter developed).

License grant to Emeritus users. By submitting or distributing your user
postings, you hereby grant to each user of the Site a non-exclusive license to
access and use your user postings in connection with their use of the Site for
their own personal purposes.

TRADEMARKS

Use of Intellectual Property of Emeritus and its Partner Academic
Institutions. The names, logos, seals, copyright, trademarks, service marks,
patent, design, courses, content, and any other rights of a proprietary nature,
existing anywhere in the world, whether registered or not, of Emeritus and its
Partner Academic Institutions (as defined in this Terms of Service)
(collectively, “Intellectual Property”) are owned by the respective owner
entities. You will not use any of these Intellectual Property, or any variations
thereof, without the owner’s prior written consent. You will not use any of
these Intellectual Property, or any variations thereof, for promotional
purposes, or in any way that deliberately or inadvertently claims, suggests or,
in owner’s sole judgment, gives the appearance or impression of a relationship
with or endorsement by these Partner Academic Institutions.

All Intellectual Property, not owned by Emeritus, if any, are the property of
their respective owners.

Nothing contained on the Site should be construed as granting, by implication,
estoppel or otherwise, any license or right to use any Intellectual Property
displayed on the Site, or otherwise, without the written permission of the owner
of the applicable Intellectual Property.

COURSE FEES AND PAYMENTS

When you register for a course, you agree to pay the applicable course fee,
including program management fee and any associated taxes. You consent to the
receipt of an invoice or a statement of course fee, which shall be sent to you
in an electronic format, to the email address that you provided upon
registration. The price of courses will be reflected in United States Dollars,
unless otherwise stated. If you select a part payment plan, you agree and
authorise us to charge your card on the payment due date(s) for the amount(s)
due.

If you fail to make payment for a Course by the due date for payment (as agreed
during registration and recorded in your invoice/statement of course fee), then
we may suspend your participation in the Course. In such cases you will not be
permitted to access the course. At our discretion, we may permit you to resume
access to the course, provided the outstanding payment has been paid by you
before the course end date. You hereby acknowledge and consent to us contacting
you in relation to payments due by you, by way of email, text message, telephone
calls, or other means as determined by us.

If you do not pay your fees in accordance with the agreed payment terms, you
will not receive your final result for your Course, and this may impact your
course completion. You will not be issued a certificate until all fees have been
paid in full and you have completed the required course work.

WITHDRAWAL, REFUND AND DEFERRALS (DIPLOMA & OTHER CPE APPROVED PROGRAMS)

 1. Emeritus has a fair policy in place for refunds. The refund policy as well
    as procedure shall be communicated to all students (both existing and
    prospective) clearly via our website and student contract and during a
    student’s pre-course counselling. The refund policy shall be reviewed
    regularly to ensure it is fair and equitable to all students. Students are
    required to adhere to the refund policy for any request of refund.
 2. For a refund pertaining to withdrawal due to non-delivery of a course,
    Emeritus will notify students in writing in the event of any of the
    following:
 3. a) The course does not commence on the course commencement date;b)It
    terminates the course before the course commencement date;c) It does not
    complete the course by the course completion date;d) It terminates the
    course before the course completion date;e) It has not ensured that the
    student meets the course entry or matriculation requirement as set by the
    organization or:
 4. Within three working days, Emeritus will inform students in writing of the
    alternative study arrangement (if any). If a student decides to withdraw,
    the student will be refunded 100 percent of course fees and any
    miscellaneous fees paid within seven working days from the day the student
    submits the request to withdraw.
 5. If the student withdraws from the course for any reason other than those
    stated above, Emeritus will refund to the student an amount based on the
    following table:
    
    
    % of the amount of fees paid under Schedules B and C of the Standard Student
    Contract If Student’s written notice of withdrawal is received: 100% more
    than 60 days before the Course Commencement Date 75% between 31 to 60
    days before the Course Commencement Date 50% before, but not more than 30
    days before the Course Commencement Date 10% after, but not more than 7 days
    after the Course Commencement Date 0% more than 7 days after the Course
    Commencement Date
    
    The amount will be refunded to the student within 7 working days from the
    day Emeritus receives the Student’s written notice of withdrawal with
    complete documentations as required. Application fee for courses is
    non-refundable and non-transferable. Requests that are received after 12.00
    noon would be considered as submission on the next working day.

 6. Emeritus will provide the student with a cooling-off period of seven (7)
    working days after the date that the Contract has been signed by both the
    student and Emeritus.  The Student will be refunded the highest percentage
    (stated in Schedule D of the Standard Student Contract) of the fees already
    paid if the student submits a written notice of withdrawal to Emeritus
    within the cooling-off period, regardless of whether the student has started
    the course or not. Application fee is non-refundable under any
    circumstances.
 7. The refund process time of 7 working days excludes the time taken for
    processing by the bank. All refunds will be paid directly to the student
    only, unless written and signed instruction is provided by the student to
    pay the refund to an account belonging to a person other than the student.

WITHDRAWAL, REFUND AND DEFERRALS (CERTIFICATE COURSES)

 1. Emeritus has a fair policy in place for refunds. The refund policy as well
    as procedure shall be communicated to all students (both existing and
    prospective) clearly via our website and Learning Management System. The
    refund policy shall be reviewed regularly to ensure it is fair and equitable
    to all students. Students are required to adhere to the refund policy for
    any request of refund.
 2. For a refund pertaining to withdrawal due to non-delivery of course,
    Emeritus will notify students in writing in the event of any of the
    following:
    a) The course does not commence on the course commencement date;
    b)It terminates the course before the course commencement date;
    c) It does not complete the course by the course completion date;
    d) It terminates the course before the course completion date;
    e) It has not ensured that the student meets the course entry or
    matriculation requirement as set by the organization or:
    Within 3 working days, Emeritus will inform students in writing of the
    alternative study arrangement (if any). If a student decides to withdraw,
    the student will be refunded 100 percent of course fees and any
    miscellaneous Fees paid within seven working days from the day the student
    submits the request to withdraw.
 3. If the student withdraws from the course for any reason other than those
    stated above, Emeritus will refund to the student an amount based on the
    following:
    Withdrawal and Refund (Certificate Courses – Cohort-Based)
    You can request a full refund up to 7 days of your payment or 14 days after
    course commencement, whichever comes later. If your enrolment had previously
    been deferred, you will not be entitled to a refund. Partial (or pro-rated)
    refunds are not offered.
    Withdrawal and Refund (Certificate Courses – Self-Paced)
    You can request a full refund up to 7 days after course commencement. You
    will get immediate access to all content as soon as you are enrolled (course
    commencement).
    All withdrawal and refund requests should be sent
    to: admissions@emeritus.org
    Deferrals (Certificate Courses)
    After a cohort commences, you can request to change to a future cohort of
    the same program within 50% of course completion. A deferral request must be
    submitted along with a selected reason and explanation. Cohort changes may
    be made only once per enrolment and is subjected to availability of cohorts
    scheduled at our discretion. This will not be applicable for deferrals
    within the refund period and the limit of one deferral per enrolment
    remains.
    Deferrals (Certificate Courses – Self-Paced)
    There will be no deferrals since you will be given a defined period of
    course access.
    All deferral requests should be sent to: admissions@emeritus.org
 4. The fee will be refunded to the student within seven working days from the
    day Emeritus receives the student’s written notice of withdrawal with
    complete documentation as required. Application fee for courses is
    non-refundable and non-transferable. Requests that are received after noon
    as per the student’s local time would be considered as a submission on the
    next working day.
 5. The refund process time of seven working days excludes the time taken for
    processing by the bank. All refunds will be paid directly to the student
    only, unless written and signed instruction is provided by the student to
    pay the refund to an account belonging to a person other than the student.


Applicable to Certificate Course enrollments on and after April 20, 2022
Special Cancellation and Deferral Provisions Applicable to Certificate Courses
Provided in Cooperation with Universities in Latin America and Global
Certificate Courses that have been translated from their original language to
Spanish or Portuguese:


Notwithstanding the above, and subject to applicable consumer protection
regulations, if a student has already paid for a Certificate Course and decides
to withdraw, or defer his/her participation in such Certificate Course for any
reason other than as stated in Paragraph 2 above, the following terms shall
apply:
 * If the withdrawal or deferral occurs before the start date of the Certificate
   Course, Emeritus shall refund the student the full amount paid, less $150
   which shall be retained by Emeritus.
 * If the withdrawal or deferral occurs at any time on or after the start date
   of the Certificate Course, Emeritus shall not issue any refunds to the
   students.

WITHDRAWAL, REFUNDS AND DEFERRAL (PROFESSIONAL CERTIFICATE PROGRAMS)

 1. Emeritus’ refund policy (“Refund Policy”) and related procedures is designed
    to be fair and equitable to all. The Refund Policy is communicated to
    potential participants prior to enrolling in a course or program via the
    Emeritus’ website, and once enrolled in a course or program, through
    Emeritus’ Learning Management System (“LMS”). To request a refund for a
    course or program, participants must adhere to the Refund Policy and
    procedures for such request as described below.
 2. Refunds
    a. Emeritus will notify participants in writing as soon as practicable in
    the event any of the following shall occur relating to a course:
        i. The course will not commence on the stated course commencement date;
        ii. The course will not be completed by the stated course completion
    date; or
        iii. Emeritus terminates the course before the course completion date;
    b. Within 3 working days of notice to the participants, Emeritus will inform
    participants in writing if there are alternative study arrangements
    available. If a participant decides not to pursue alternative student to
    withdraw, the student will be refunded 100 percent of course fees and any
    miscellaneous fees paid within seven (7) working days from the day the
    participant submits the request to withdraw to admissions@emeritus.org.
 3. Refunds Requests and Amounts
    a. If the participant withdraws from the course for any reason other than
    those stated in paragraph 2 (a)-(c) above, Emeritus will refund to the
    participant certain amounts based on the following schedule upon receipt of
    a refund request to admissions@emeritus.org:

Time of Refund Request Amount Refunded Within 21 days after course commencement
Full refund of course fee (assuming no prior course deferral) 21st day after
course commencement through 60% of course completion Pro rata refund of course
fee (assuming no prior course deferral) More than 60% of course completion No
refund

 * Deferrals
   a. Within thirty (30) days of commencement of the applicable course cohort, a
   participant may request a one-time deferral to change to a future cohort of
   the same course or program. A deferral request must be submitted to Emeritus,
   together an reasonable explanation of why the deferral has been requested.
   Cohort changes may be made only once per enrollment and are subject to
   availability of cohorts scheduled at the sole discretion of Emeritus. All
   deferral requests should be sent to: admissions@emeritus.org
 * Refunds of course fees, if applicable will be made to participant within
   seven (7) working days from the date that Emeritus receives the participant’s
   written notice of withdrawal with complete documentation as required.
   Requests that are received after noon as per the student’s local time would
   be considered as a submission on the next working day.
 * The seven (7) working days noted above in paragraph 5 above to process
   refunds excludes bank processing time (which is out of Emeritus’ control).
   Refunds will be paid directly to the participant only, unless written and
   signed instruction is provided by the participant to pay the refund to an
   account belonging to a person other than the participant.
 * Emeritus reserves the right, in its sole discretion, to dismiss a participant
   from a course or program at any time and provide a refund to the participant
   pursuant to the stated refund policy in paragraph 2 above. Participants who
   are dismissed from a course or program due to a violation of Emeritus’ Code
   of Conduct are not entitled to any refund.

WITHDRAWALS, REFUNDS AND DEFERRALS (SENIOR EXECUTIVE PROGRAMS)

 1.  Emeritus has a fair policy in place for refunds (Refund Policy). The Refund
     Policy and the procedure to request a refund shall be communicated to all
     students (both existing and prospective) clearly via Emeritus’ website, as
     well as during a student’s pre-course counselling. The Refund Policy shall
     be reviewed regularly to ensure it is fair and equitable to all students.
     Students are required to adhere to the Refund Policy to request a refund.
 2.  If any of the following events occur, Emeritus will notify students in a
     timely fashion to enable them, in their discretion, to withdraw from a
     course or program and to seek a refund:
     a) The course or program did not, or will not, commence on its commencement
     date; or
     b) Emeritus terminates the course or program before its commencement date;
     or
     c) Emeritus does not complete the course or program by its scheduled
     completion date; or
     d) Emeritus terminates the course or program before its completion date; or
     e) The student does not meet the course or program entry, or matriculation
     requirement as set by the University Partner.
 3.  In addition, within three (3) working days of notice of an event identified
     in paragraph 2 above, Emeritus will also inform students in writing of
     alternative course or program arrangement (if any).
 4.  The student will have seven (7) working days from the date of the notice of
     an event identified in paragraph 2 above to either (a) accept the
     alternative course or program arrangement offered by Emeritus; or (b)
     submit a refund request to Emeritus. A refund request received after 12:00
     noon local time on a working day is considered made as of the next working
     day.
 5.  If the student submits a refund request to Emeritus as per paragraph 4
     above, within seven (7) working days of receipt of such request, Emeritus
     will refund the student 100% of the course or program fees and any related
     fees paid.
 6.  In the event that the student withdraws from a course or a program for any
     reason other than those set forth in paragraph 2 above, no refund of any
     fees will be provided to the student.
 7.  A student may request in writing to change to a future cohort upon payment
     of a deferral fee of 20% of the course or program fee being deferred. The
     balance shall be due when the future cohort is finalized. A deferral
     request must be submitted by the student to Emeritus in writing, together
     with the reason for requesting said deferral. Cohort changes may only be
     made once per enrollment and are subject to course or program availability
     and approval by course or program leadership.
 8.  Application fees paid by student for courses and programs are separate and
     apart from course or program fees paid by student. Application fees are
     non-refundable and non-transferable.
 9.  Refunds will only be paid directly to the remitter/company who did the
     initial fee transfer and not to a third party.
 10. The refund processing time for all refunds to students is fourteen (14)
     working days exclusive of bank processing time.
 11. In case participant defaults on future instalments after course start,
     access will be revoked and candidature will be rolled over to the next
     cohort. In case the instalments are still not honored, the enrolment will
     be cancelled and no refund will be provided.

DISCLAIMERS OF WARRANTY / LIMITATIONS OF LIABILITIES

The Site and any information, content or services made available on or through
the Site are provided “as is” and “as available” without warranty of any kind
(express, implied or otherwise), including, without limitation, any implied
warranties of merchantability, fitness for a particular purpose and
non-infringement, except insofar as any such implied warranties may not be
disclaimed under applicable law.

Emeritus and the Partner Academic Institutions (as hereinafter defined) do not
warrant that the Site will operate in an uninterrupted or error-free manner,
that the Site is free of viruses or other harmful components, or that the
courses or content provided will meet your needs or expectations. Emeritus and
the Partner Academic Institutions also make no warranty about the accuracy,
completeness, timeliness, or quality of the Site or any courses or content, or
that any particular courses or content will continue to be made available.
“Partner Academic Institutions” means any university, school and college and
their respective entities providing information, content or services for the
Site, the course instructors and their staffs.

Use of the Site, and the content and services obtained from or through the Site,
is at your own risk. Your access to or download of information, materials or
data through the Site or any reference sites is at your own discretion and risk,
and you will be solely responsible for any damage to your property (including
your computer system) or loss of data that results from the download or use of
such material or data, unless otherwise expressly provided for in the
Emeritus Privacy Policy.

User postings disclaimer. You understand that when using the Site you will be
exposed to user postings from a variety of sources and that neither Emeritus nor
the Emeritus participants are responsible for the accuracy, usefulness,
reliability or intellectual property rights of or relating to such user
postings. You further understand and acknowledge that you may be exposed to user
postings that are inaccurate, offensive, defamatory, indecent or objectionable
and you agree to waive, and hereby do waive, any legal or equitable rights or
remedies you have or may have against Emeritus or any of the Emeritus
participants with respect thereto. Neither Emeritus nor any of the Emeritus
participants endorse any user postings or any opinion, recommendation or advice
expressed therein. Neither Emeritus nor any of the Emeritus participants have
any obligation to monitor any user postings or any other user communications
through the Site.

However, Emeritus reserves the right to review user postings and to exercise its
sole discretion to edit or remove, in whole or in part, any user posting at any
time and for any reason, or to allow the Emeritus participants to do so. Without
limiting the foregoing, upon receiving notice from a user or a content owner
that a user posting allegedly does not conform to these TOS, Emeritus may
investigate the allegation and determine in its sole discretion whether to
remove the user posting, which it reserves the right to do at any time and
without notice.

Links to other sites. The Site may include hyperlinks to sites maintained or
controlled by others. Emeritus and the Emeritus participants are not responsible
for and do not routinely screen, approve, review or endorse the contents of or
use of any of the products or services that may be offered at these sites. If
you decide to access linked third-party websites, you do so at your own risk.

To the fullest extent permitted by applicable law, you agree that neither
Emeritus nor any of the Emeritus participants will be liable to you for any loss
or damages, either actual or consequential, arising out of or relating to these
terms of service, or your (or any third party’s) use of or inability to use the
Site, or your placement of content on the Site, or your reliance upon
information obtained from or through the Site, whether your claim is based in
contract, tort, statutory or other law.

In particular, to the fullest extent permitted by applicable law, neither
Emeritus nor any of the Emeritus participants will have any liability for any
consequential, indirect, punitive, special, exemplary or incidental damages,
whether foreseeable or unforeseeable and whether or not Emeritus or any of the
Emeritus participants has been negligent or otherwise at fault (including, but
not limited to, claims for defamation, errors, loss of profits, loss of data or
interruption in availability of data).

INDEMNIFICATION

You agree to defend, hold harmless, and indemnify Emeritus and the Emeritus
participants, and their respective subsidiaries, affiliates, officers, faculty,
students, fellows, governing board members, agents, and employees from and
against any third-party claims, actions, or demands arising out of, resulting
from or in any way related to your use of the Site, including any liability or
expense arising from any and all claims, losses, damages (actual and
consequential), suits, judgments, litigation costs, and attorneys’ fees, of
every kind and nature. In such a case, Emeritus or one of the Emeritus
participants will provide you with written notice of such claim, suit, or
action.

MISCELLANEOUS

Termination rights; discontinuation of courses and content. You agree that
Emeritus, in its sole discretion, may terminate your use of the Site or your
participation in it, for any reason or no reason, upon notice to you. It is
Emeritus’s policy to terminate in appropriate circumstances the accounts of
users of the Site who are repeat copyright infringers. Emeritus and the Emeritus
participants reserve the right at any time in their sole discretion to cancel,
delay, reschedule or alter the format of any course offered through Emeritus, or
to cease providing any part or all of the Site content or related services, and
you agree that neither Emeritus nor any of the Emeritus participants will have
any liability to you for such an action. If you no longer desire to participate
in the Site, you may terminate your participation at any time. The rights
granted to you hereunder will terminate upon any termination of your right to
use the Site, but the other provisions of these TOS will survive any such
termination.

Entire agreement. These TOS and the Privacy Policy together constitute the
entire agreement between you and Emeritus with respect to your use of the Site,
superseding any prior agreements between you and Emeritus regarding your use of
the Site.

Waiver and severability of TOS. The failure of Emeritus to exercise or enforce
any right or provision of these TOS shall not constitute a waiver of such right
or provision. If any provision of these TOS is found by a court of competent
jurisdiction to be invalid, the parties nevertheless agree that the court should
endeavor to give effect to the parties’ intentions as reflected in the provision
and the other provisions of these TOS shall remain in full force and effect.

Program Management. All the contents of the course would be made available to
students at the commencement of the course. However, to ensure the program
delivers the desired learning outcomes students have adopted to adhere to the
cohort-based learning approach. The students by accepting these terms of
services appoint Emeritus to manage the delivery of the program during the
course period for a better learning experience the fee for which is already
included under Course Fee, as stated in the Course Fees and Payments section. 

GOVERNING LAW

This user agreement will be governed by the laws of Singapore applicable to
contracts made and performed there without regard to its conflicts of law
principles. You agree to submit to the exclusive jurisdiction of the courts
sitting in Singapore and waive any jurisdictional, venue, or inconvenient forum
objections to such courts.

Effective date: 05 January 2016

FORCE MAJEURE EVENTS

Emeritus shall not be liable for any default, cancellation or delay in the
performance of its obligations to provide courses and/or programs for registered
students if and to the extent such default, cancellation or delay is caused, in
whole or in part, directly or indirectly, by acts of terrorism, fire, flood,
earthquake, pandemic, epidemic, elements of nature or acts of God, riots, civil
disorders, or any other such similar cause beyond the reasonable control of
Emeritus (collectively, “Force Majeure Event”).

In the event of a Force Majeure Event, students will be provided the option to
either:

(a) defer participation to a later iteration of the same course/program for
which student was originally registered, or

(b) receive a partial refund of course/program fees paid, prorated, based on the
time remaining in the course/program through completion. Other than as provided
in this paragraph, no other remedies are available to student.

SMS TERMS & CONDITIONS - US

Company Name – Emeritus Institute of Management

When you opt-in to the service, we will send you a message to confirm your
signup. Text “ExecEd” to 91236 to receive Emeritus Institue of
Management. Message and data rates may apply. You will receive 4 msgs/month Text
“HELP” for help. Text “STOP” to cancel.
You can cancel this service at any time. Text “STOP” to 91236. After you send
the message “STOP” to us, we will send you a reply message to
confirm that you have been unsubscribed. After this, you will no longer receive
messages from us.
If you want to join again, just sign up as you did the first time and we will
start sending messages to you again.
If at any time you forget what keywords are supported, just text “HELP” to
91236. After you send the message “HELP” to us, we will respond with
instructions on how to use our service as well as how to unsubscribe.

Participating Tier 1 carriers: AT&T, Sprint/Boost/Virgin, T-Mobile, MetroPCS,
Verizon Wireless.
T-Mobile is not liable for delayed or undelivered messages.
As always, message and data rates may apply for any messages sent to you from us
and to us from you. If you have any questions about your text
plan or data plan, it is best to contact your wireless provider.
For all questions about the services provided by this short code, you can send
an email to communications@info.emeritus.org or
call at +1 888 448 4310.
If you have any questions regarding privacy, please read our privacy policy at
https://emeritus.org/privacy-policy.

SMS TERMS & CONDITIONS - CANADA

Company Name – Emeritus Institute of Management

When you opt-in to the service, we will send you a message to confirm your
signup. Text “ExecEd” to 24242 to receive Emeritus Institue of
Management. Message and data rates may apply. You will receive 4 msgs/month Text
“HELP” for help. Text “STOP” to cancel.
You can cancel this service at any time. Text “STOP” or “ARRET” to 24242. After
you send the message “STOP” or ‘”ARRET” to us, we will send you
a reply message to confirm that you have been unsubscribed. After this, you will
no longer receive messages from us.
If you want to join again, just sign up as you did the first time and we will
start sending messages to you again.
If at any time you forget what keywords are supported, just text “HELP” or
“AIDE” to 24242. After you send the message “HELP” or “AIDE” to us, we
will respond with instructions on how to use our service as well as how to
unsubscribe.

Emeritus Institue of Management is able to deliver messages to the following
major mobile phone carriers:
Aliant Mobility, Bell Mobility, Eastlink, Fido, Mobilicity, MTS, NorthernTel
Mobility, Rogers Wireless, SaskTel Mobility, Telebec Mobilite, TELUS
Mobility, Videotron, Virgin Mobile Canada, Freedom Mobile. Please note, however,
that the supporting mobile carriers may change without notice,
and the particular Text Message Service you join may be limited to specific
carriers.
As always, message and data rates may apply for any messages sent to you from us
and to us from you. If you have any questions about vour text
plan or data plan, it is best to contact your wireless provider.
For all questions about the services provided by this short code, you can send
an email to communications@info.emeritus.org or
call at +1 888 448 4310.
If you have any questions regarding privacy, please read our privacy policy at
https://emeritus.org/privacy-policy.

PAYMENT POLICY FOR COMPANIES

Emeritus will invoice Company for each individual enrollment ordered by and
granted to Company. Company agrees to pay all invoiced amounts within (30) days
of Emeritus’ invoice date. Emeritus may suspend or cancel open enrollments for
individuals if Company fails to make payments when due.

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Number 201510637C | Period: 29 March 2022 to 28 March 2026

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