Terms and Conditions .


Terms and Conditions

[Last Updated: June 15, 2015]

This Agreement ("User Agreement") sets forth the terms and conditions upon which you may use our web site (https:www.conceptsnclarity.com) (the "CNC Site") and/or any of our test preparation or admissions consulting services and products, which together we call the " CNC Services" (the CNC Services are more specifically described in Section 1 of this User Agreement). We are Concepts n Clarity CFA FRM Test Prep" (" CNC ," " We ," or " Us").

Your use of any of the CNC Services constitutes your acceptance of our User Agreement and all of the terms and conditions applicable to the CNC Services (as such may be changed, modified, altered or amended as provided in this User Agreement), including, without limitation, all of the terms and conditions incorporated by reference herein.

IF YOU DO NOT ACCEPT THE TERMS AND CONDITIONS CONTAINED IN THIS USER AGREEMENT, DO NOT USE ANY OF THE CNC SERVICES. BY USING THE CNC SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS USER AGREEMENT, AGREE TO THE TERMS AND CONDITIONS OF THIS USER AGREEMENT, AND AGREE THAT THIS USER AGREEMENT CREATES A BINDING CONTRACT BETWEEN YOU AND CNC .

1. CNC Services

The CNC Services consist of the following test preparation and admissions consulting services: (a) educational test preparation services for students preparing for the CFA, FRM ,GMAT, GRE and SAT (the " Exams"). CNC provides Online Private Tutoring for the Exams (" Online Private Tutoring") through the CNC Site (and through the use of certain third-party applications and services offered by Box (http://www.box.com/), Skype (http://www.skype.com/intl/en-us/home), and Cisco WebEx (http://www.webex.com/) (the " Thirty-Party Applications"). CNC also provides In-Person Private Tutoring for the Exams (" In-Person Private Tutoring") and Classroom Tutoring for the Exams (" Classroom Tutoring").

(b) access to a proprietary, online and interactive learning system and instructional product for use in connection with the math section of the GMAT (the " CNC Test Prep GMAT Quant" product), as more specifically described in Section 7 of this User Agreement.

  1. admissions consulting services for students applying for admission to college and graduate school programs (" Admissions Consulting Services"). Admissions Consulting Services are provided in Fixed Price Admissions Packages (" Fixed Price Admissions Packages") and/or on a per hour basis.

  2. WhatsApp Revision Services on monthly subscription basis.

The services and products set forth in (a), (b) and (c), above, together with any and all services and products that CNC may provide hereafter, constitute the "CNC Services" pursuant to this User Agreement. Except as otherwise specifically set forth in herein, the terms and conditions in this User Agreement concerning the CNC Services shall be applicable as to all such services, generally, including any free, complimentary, or trial lessons, classes, products, services and/or consulting services (whether online, in-person or on location). The CNC Site sets forth additional terms and conditions concerning each of the CNC Services with more specificity. Such additional terms and conditions, include, without limitation, specific program and package features, program and package schedules, specific product features, and the applicable fees, user fees, costs and charges for such programs, packages and products. Any and all such additional terms and conditions (and such other features and aspects of the CNC Services as may be specified or set forth on the CNC Site from time to time) shall be deemed to be a part of this User Agreement and are hereby incorporated into this User Agreement by reference; provided, however, that (i) in the event of a conflict between any of such additional terms and conditions and the provisions set forth herein, the provisions set forth herein shall govern, and (ii) without limiting the generality of the foregoing, under no circumstances shall any of such additional terms and conditions be deemed to modify, amend, restrict, or terminate any of the provisions set forth in Sections (2), (9), (10), (13), (15), (16), and (17) herein.

2. License for Personal Use of the CNC Services

CNC grants you a terminable, non-exclusive, non-transferable license to use such of the CNC Services as may be applicable solely for your personal, noncommercial, and noncompetitive use in accordance with the terms and conditions specified in this User Agreement. All of the CNC Services content, including, without limitation, all texts and other written materials, digital materials, lectures, recordings, visual and audio aids, content available from the CNC Site and/or any other CNC web sites (including, without limitation, CNC Test Prep GMAT Quant), and all other content that you will receive or to which you will have access when using the CNC Services (hereafter, collectively, the "Content") is for your personal, noncommercial, and noncompetitive use only. YOU HEREBY REPRESENT AND WARRANT THAT YOU ARE AN APPLICANT OR PROSPECTIVE APPLICANT IN GOOD FAITH FOR ADMISSION TO ONE OR MORE COLLEGE OR GRADUATE SCHOOL PROGRAMS AND THAT YOU ARE USING THE CNC SERVICES SOLELY FOR SUCH PURPOSE. YOU HEREBY REPRESENT AND WARRANT THAT YOU ARE NOT ENGAGED, EITHER DIRECTLY OR INDIRECTLY, IN THE BUSINESS OF PROVIDING TEST PREPARATION SERVICES AND/OR ADMISSIONS CONSULTING SERVICES, AND THAT YOU ARE NOT CURRENTLY EMPLOYED BY OR OTHERWISE HAVE ANY RELATIONSHIP WITH ANY PERSON OR ENTITY THAT MAY BE IN COMPETITION WITH CNC OR IS OTHERWISE ENGAGED IN THE BUSINESS OF PROVIDING TEST PREPARATION SERVICES AND/OR ADMISSIONS CONSULTING SERVICES. BY ACCEPTING THE TERMS AND CONDITIONS OF THIS USER AGREEMENT, YOU HEREBY AGREE THAT YOU ARE AND WILL BE USING THE CNC SERVICES SOLELY FOR YOUR PERSONAL, NONCOMMERCIAL, AND NONCOMPETITIVE USE ONLY.

3. Minors; Parents and Guardians; Third-Party Payers

You must be at least eighteen (18) years of age in order to register for, enroll in, or otherwise use any of the CNC Services. If you are a minor child over the age of fourteen (14), a parent or guardian may register you for any of the CNC Services, provided that your parent or guardian shall agree to the terms and conditions of this User Agreement on your behalf. If a parent, guardian or a third-party organization (such as an institution, academic or otherwise) pays for or subsidizes your fees for any of the CNC Services, we may share your personal information with such party or parties upon request in accordance with our Privacy Policy. You may access our Privacy Policy by clicking here or by inquiring via e-mail sent to: conceptsnclarity@outlook.com

** EXPRESS AGREEMENT OF PARENT OR GUARDIAN: ** I hereby: (a) acknowledge having read this User Agreement and your Privacy Policy; (b) grant permission for my minor child to participate in such of the CNC Services for which my minor child shall be registered; and (c) agree to the terms and conditions of this User Agreement on my behalf and on behalf of my minor child.

4. Payment of Fees and Charges

You hereby agree that upon registration for, or purchase of, any of the CNC Services, you shall pay the tutoring, package, program or product fees, user fees or charges due (and/or any other fees and charges due) for such CNC Services, as specified in this User Agreement (and as may be further specified on the CNC Site). Except as otherwise provided in this User Agreement, all such fees, user fees and charges shall be non-refundable, in whole or in part.

You hereby agree that CNC and its representatives are expressly authorized to charge your credit or charge card provided upon initial registration or purchase (or as subsequently provided) for the amounts due for any of the CNC Services. You also hereby agree that CNC and its representatives shall be authorized to charge your credit or charge card provided upon registration or purchase (or as subsequently provided) for any outstanding balance or installments due (if applicable) for your purchase of any such CNC Services, as and when any and all such payments may become due as specified in this User Agreement (and as may be further specified on the CNC Site). Moreover, no further permission or consent to such charges on your behalf shall be necessary or required for CNC to charge your credit or charge card and to process your payments for such CNC Services.

Failure to complete timely payment may result in the suspension or discontinuation of your CNC Services and/or your forfeiture of any deposit. Any returned personal checks may be subject to a $40 handling fee. You hereby agree that should you fail to pay any amounts or charges owed to CNC for your CNC Services, CNC shall have the right to pursue such unpaid amounts and charges. You shall remain liable to CNC for all such amounts and charges, as well as for any and all costs of collection incurred by CNC, including, without limitation, for collection agency fees, court costs, reasonable attorneys' fees, and for any and all related costs, expenses, fees and charges.

5. Classroom Tutoring

In addition to the terms and conditions set forth elsewhere in this User Agreement, Classroom Tutoring services are subject to the provisions set forth in this Section 5. Upon your registration for a Classroom Tutoring course, you shall have the option either to pay a $500 deposit or to pay the full fees and costs for the course. Should you opt to pay the $500 deposit when registering for your Classroom Tutoring course, the full balance of the fees and costs for the course must be paid at least fourteen (14) days prior to the scheduled start date of the course, without exception. If any coupon or discount is to be applied to the cost of your Classroom Tutoring course, it shall not reduce the $500 deposit due upon registration, but rather such coupon or discount shall be applied to the payment of the balance due for the course. CNC specifically reserves the right to charge your credit or charge card for the remaining balance of the fees and costs due for your Classroom Tutoring course. Your payment for Classroom Tutoring courses is fully subject to the terms and conditions specified in Sections 3 and 4 of this User Agreement.

6. Admissions Consulting Services

In addition to the terms and conditions set forth elsewhere in this User Agreement, Admissions Consulting Services are subject to the provisions set forth below:

(a) You hereby agree that upon registration for any of the Admissions Consulting Services, you shall pay the Fixed Price Admissions Packages charges, or any applicable package, program or user fees, and/or any other fees and charges due for such Admissions Consulting Services, as specified in this User Agreement (and as may be further specified on the CNC Site). Your payment for Admissions Consulting Services is fully subject to the terms and conditions specified in Sections 3 and 4 of this User Agreement.

(b) You acknowledge and agree that you may be responsible for developing or providing documentation, materials and assistance to CNC in connection with the provision of the Admissions Consulting Services and you agree to do so in a prompt and timely manner.

(c) CNC offers a three (3) business day turnaround time with respect to feedback on materials that you submit in connection with any Fixed Price Admissions Package. Telephone sessions with CNC counselors must be scheduled in advance, subject to each counselor's availability. CNC responds to email correspondence within one (1) business day, whenever possible.

(d) In connection with the Admissions Consulting Services, CNC performs editing services consisting of idea formulation and draft editing of various admissions application materials. CNC will only revise and edit documents and materials that you prepare. You acknowledge and agree that CNC shall not, under any circumstances, entirely draft any statement, essay, application or similar item on your behalf.

(e) You hereby represent and warrant that all work product submitted to CNC will be your own original work product and not the work product of any other person, and that such work product will not violate the intellectual property rights of any third-party.

(f) CNC reserves the right to terminate the provision of your Admissions Consulting Services at any time and for any reason upon written notice to you. In the event that CNC terminates the provision of your Admissions Consulting Services, except as otherwise provided in this User Agreement, your sole and exclusive remedy shall be a refund of a pro-rata portion of the fees and charges paid for your Admissions Consulting Services, as determined by CNC in its sole and absolute discretion.

7. CNC Test Prep GMAT Quant

In addition to the terms and conditions set forth elsewhere in this User Agreement, the CNC Test Prep GMAT Quant product is subject to the provisions set forth below: (a) The CNC Test Prep GMAT Quant product is a proprietary, online and interactive learning system and instructional product for use by students in preparation for the math section of the GMAT, and is considered to be among the CNC Services for the purposes of this User Agreement.

(b) The CNC Test Prep GMAT Quant product features math curriculum, practice questions, test examples, personalized problem sets, detailed performance analytics, and such other features as CNC may deem necessary or desirable for the future enhancement and improvement of the product. CNC specifically reserves the right to revise, amend, supplement, upgrade, improve and/or edit the CNC Test Prep GMAT Quant product at any time, without notice, at its sole discretion.

(c) The CNC Test Prep GMAT Quant product is subject to such other terms and conditions as may be set forth on the CNC Site, including, without limitation, the user fees and/or charges established by CNC for gaining access to the product, and the time period(s) established by CNC for granting and limiting access to the product. Your payment for the CNC Test Prep GMAT Quant product is fully subject to the terms and conditions specified in Sections 3 and 4 of this User Agreement.

(d) The CNC Test Prep GMAT Quant product is exclusively available online and only may be accessed with an Internet connection. The CNC Test Prep GMAT Quant product is not printable and cannot be saved or downloaded on or to a hard drive or to any other device.

(e) The CNC Test Prep GMAT Quant product is accessed through a URL link, which requires your username and a password provided by CNC. You may not share your access to the CNC Test Prep GMAT Quant product with anyone. Your username and your password are for your personal use only. CNC may change the password to the CNC Test Prep GMAT Quant product at any time. If the password for access to the CNC Test Prep GMAT Quant product is changed, you will be notified of the password change by e-mail.

(f) CNC shall not be responsible for your failure to access the CNC Test Prep GMAT Quant product for any reason, including, without limitation, your inability to access the Internet and/or through the fault of any Third-Party Application. Should the URL link or password for the CNC Test Prep GMAT Quant product cease to work for you, please notify CNC immediately.

8. Cancellations and Refunds

Online Private Tutoring and In-Person Private Tutoring:

CNC requires twenty-four (24) hours advance notice of cancellation for all Online Private Tutoring lessons and In-Person Private Tutoring lessons. You shall be entitled to a refund, or to reschedule your tutoring lesson, provided that you have given CNC notice of cancellation. All tutoring fees for missed lessons and for lessons canceled within twenty-four (24) hours of the scheduled session time shall be forfeited and nonrefundable. CNC reserves the right to cancel or reschedule any Online Private Tutoring lesson and In-Person Private Tutoring lesson. Upon a cancellation of your tutoring lesson by CNC, you will be entitled to a full refund of the fee paid for your tutoring lesson, or you may reschedule your tutoring lesson, subject to availability.

If you register for an Online Private Tutoring package or an In-Person Private Tutoring package and are unable to complete the session hours included in your package, except as otherwise provided in this User Agreement, CNC will refund the fees paid for the unused portion (and only the unused portion) of your tutoring package. Therefore, the amount of your refund will depend upon the number of session hours that you have used and the number of unused session hours remaining in your package (subject to the provisions concerning the required twenty-four (24) hour notice of cancellation, set forth above).

Classroom Tutoring:

The tutoring fees for a Classroom Tutoring course are fully refundable upon your request given to CNC at least fourteen (14) days prior to the scheduled start date for the course. Except as provided below (with respect to course changes and cancellations), there shall be no refunds given within fourteen (14) days of the scheduled start date for any Classroom Tutoring course. CNC specifically reserves the right to change the class time, class day, and/or or class location of any Classroom Tutoring course and will notify you by e-mail in advance of any such changes. If any such change occurs within fourteen (14) days of the scheduled start date for your Classroom Tutoring course, you will be entitled to the full refund of the fee paid for your Classroom Tutoring course, or you may reschedule your Classroom Tutoring course, subject to availability. CNC also specifically reserves the right to cancel any Classroom Tutoring course prior to the scheduled start date for the course and shall notify you by e-mail in advance of any such cancellation. If CNC cancels your Classroom Tutoring course, you will be entitled to a full refund of the fee paid for your Classroom Tutoring course. In addition, upon the cancellation of your Classroom Tutoring course, you will receive one (1) free session hour of Online Private Tutoring or In-Person Private Tutoring and a forty percent (40%) discount applicable to the fees for any subsequent private tutoring, limited to fifty (50) session hours.

Admissions Consulting Services:

Except as otherwise provided in Section 6(f) of this User Agreement, all package fees or charges, and/or any other fees or charges paid for Admissions Consulting Services are non-refundable, in whole or in part.

CNC Test Prep GMAT Quant – Score Increase Guarantee:

If your official GMAT® quantitative score does not increase after completing CNC Test Prep GMAT® Quant, you are entitled to a full refund of the purchase price of your access plan, subject to the following conditions. To be eligible for the score increase guarantee, you must: (a) have taken an official GMAT® prior to purchasing access to CNC Test Prep GMAT® Quant, (b) email a copy of that official GMAT® score report to conceptsnclarity@outlook.com within two weeks of purchasing access to CNC Test Prep GMAT® Quant, (c) submit your new official GMAT® score report to conceptsnclarity@outlook.com within two weeks of taking your new GMAT®, (d) have completed modules 1 to 38 presented in the Comprehensive Study Plan, and (e) in addition to taking the prescribed practice tests, completing the modules requires reading all lessons, attempting all example problems, watching all videos, and attempting all prescribed practice problems. Private tutoring costs are non-refundable. The CNC Test Prep GMAT® Quant Score Increase Guarantee only applies to amounts paid for the CNC Test Prep GMAT® Quant Course. No person is eligible for more than two refunds in their lifetime. Except as expressly set forth above, any and all user fees or charges paid for the CNC Test Prep GMAT Quant product are non-refundable, in whole or in part.

Refunds to Third-Parties:

If the fees or charges for your CNC Services were paid by a parent, guardian or other third-party payer, any refund due for your CNC Services under this User Agreement shall be paid to such parent, guardian or other third-party payer, as applicable.

9. Exclusive Ownership of CNC Intellectual Property

The CNC Services Content (as defined in Section 2 of this User Agreement) and all computer software, artwork, and other intellectual property on the CNC Site and/or used whatsoever by CNC in providing the CNC Services (the " Intellectual Property") constitutes the property of CNC and is owned exclusively by CNC (or its licensors). You agree and acknowledge that the Intellectual Property contains proprietary and confidential information owned by CNC (or its licensors) that is protected by applicable intellectual property and other laws. The CNC Services, as may be applicable, are licensed (not sold) to you, and CNC (or its licensors) owns or otherwise holds all copyright, trade secret, trade mark, patent and other proprietary rights in the Intellectual Property. You may not: (a) copy, distribute, rent, loan, lease or sublicense all or any portion of the Intellectual Property; (b) modify, translate, distribute or prepare derivative works of the Intellectual Property or any accompanying documentation; (c) reverse engineer, decompile or disassemble the Intellectual Property or any accompanying documentation; or (d) remove any proprietary notices, labels, or marks on the Intellectual Property and/or any accompanying documentation. You may not transfer the Intellectual Property. Any license that may be applicable is automatically terminated if you transfer or attempt to transfer any of the Intellectual Property. TITLE AND COPYRIGHT OWNERSHIP TO THE INTELLECTUAL PROPERTY AND ANY ACCOMPANYING DOCUMENTATION REMAIN WITH CNC (OR ITS LICENSORS). WILLFUL INFRINGEMENT OF COPYRIGHTED WORKS IS A VIOLATION OF FEDERAL LAW.

10. Third-Party Content

You agree and acknowledge that CNC has no obligation to preview, screen or monitor any content that may be associated with or added to the CNC Services (including, without limitation the CNC Site, any blog or board hosted by CNC, and/or any web sites accessed via the CNC Site) by other users, whether publicly posted or privately transmitted through the CNC Services. CNC does not guarantee the accuracy, integrity, quality, or appropriateness of any such user posted content. Under no circumstances will CNC be liable in any way for any user posted content, including, without limitation, for any errors or omissions in any user posted content, or for any loss or damage of any kind incurred as a result of the use of any user posted content accessed, posted or otherwise transmitted via the CNC Services. By using the CNC Services, you agree that it is solely your responsibility to evaluate the accuracy, completeness, usefulness or appropriateness of any user posted content that you access, post, or otherwise transmit through the CNC Services, including user posted content that may be offensive, indecent or objectionable. CNC has the right to suspend, restrict or terminate your use of the CNC Services and to refuse you any future use of the CNC Services (or any portion of the CNC Services) if CNC has reason to believe that you are responsible for user posted content that CNC deems inappropriate. You further agree and acknowledge that all content presented to you through the CNC Services, including that of any sponsors or advertisers, is or may be protected by copyrights, trademarks, services marks, patents or other proprietary rights and laws.

11. Registration Information

You agree, as a condition of your use of the CNC Services, to provide CNC with accurate and complete information when registering for the CNC Services, and to promptly update such information as needed in order to maintain its accuracy and completeness. CNC has the right to suspend, restrict or terminate your use of the CNC Services and to refuse any future use by you of the CNC Services (or any portion of the CNC Services) should CNC have reason to believe that you have failed to comply with these requirements. Your registration information, as such may be updated from to time, shall be used by CNC for the purposes of sending to you all notices required or permitted under this User Agreement.

12. Privacy Policy

By registering for or using the CNC Services you acknowledge that you have read and accept our Privacy Policy. Accordingly, before registering for or using the CNC Services, please carefully read our Privacy Policy. You may access our Privacy Policy by clicking here or by inquiring via e-mail sent to: conceptsnclarity@outlook.com.

13. Student Code of Conduct

As a condition of your use of the CNC Services, you agree to be bound by and comply with the terms and conditions of the CNC Services Code of Conduct (hereafter, the " Code of Conduct") concerning the CNC Services (including, for these purposes, any and all related products, services, third-party services, advertisements and/or Content accessed by you), as set forth below.

(a) You shall use the CNC Services only in accordance with the terms and conditions of this User Agreement (including, without limitation, as applicable to the Intellectual Property) and you shall not use the CNC Services for any purpose that is unlawful or prohibited by this User Agreement.

(b) You shall not use the CNC Services in any manner that could damage, impair, disable or overburden the CNC Services or in any way interfere with CNC's rights or any other user's use and enjoyment of the CNC Services, or otherwise infringe on any party's rights. Without limiting the generality of the foregoing, the following behavior constitutes express violations of the Code of Conduct: (i) disruptions to a classroom learning environment (e.g., use of profanity, harassment, cell phone use in classrooms, etc.); (ii) deliberate destruction, misuse, or theft of CNC's property or the property of fellow classmates; (iii) violence or threats of violence toward persons or property of students or CNC's staff; (iv) improper use of e-mail or Internet access; (v) online (including blog) posting of any of the Content, or any excerpt thereof; (vi) unauthorized attempts to gain access to any account, computers or networks related to the CNC Services or any user thereof; (vii) use of the CNC Services to harvest or otherwise collect information concerning other parties, including e-mail addresses; and (viii) the use of viruses, Trojan horses, worms, corrupted files, or any other similar software that may damage the operation of the CNC Services or the computers, networks and/or property of CNC and/or any party.

(c) IN THE EVENT THAT YOUR CONDUCT BREACHES ANY OF THE TERMS OR CONDITIONS OF THIS CODE OF CONDUCT AND/OR THIS USER AGREEMENT, YOU HEREBY AGREE AND ACKNOWLEDGE THAT CNC MAY TERMINATE YOUR ACCESS TO AND USE OF ANY AND ALL OF THE CNC SERVICES, AND SEEK BOTH CIVIL AND CRIMINAL PENALTIES AS MAY APPLY AGAINST YOU IN YOUR INDIVIDUAL CAPACITY. IN ADDITION, NOTWITHSTANDING ANY PROVISION TO THE CONTRARY SET FORTH IN THIS USER AGREEMENT, YOU HEREBY AGREE AND ACKNOWLEDGE THAT UPON ANY SUCH BREACH, AT CNC'S OPTION, YOU SHALL BE SUBJECT TO FORFEITURE OF ANY PREPAID TUITION FEES, DEPOSITS, PROGRAM AND PACKAGE FEES, OR REFUNDS OTHERWISE DUE TO YOU UNDER THIS USER AGREEMENT.

14. Account Security

When you are registered for any of the CNC Services, you will receive an account name or similar account identifier and a password. You are responsible for protecting the confidentiality of your account identifier and password, and you are fully responsible for all activities that occur under the use of your password or account identifier. You agree: (a) to notify CNC immediately of any loss, compromise or unauthorized use of your account identifier or password, and/or of any other breach of security; and (b) to exit from your account or logout when you conclude each session. CNC shall not be liable for any loss or damage of any kind resulting from your failure to secure your account identifier or password.

15. Liability Disclaimer

YOU AGREE THAT:

(a) If YOU USE THE CNC SERVICES, YOU DO SO AT YOUR OWN AND SOLE RISK. THE CNC SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. CNC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

(b) CNC DOES NOT REPRESENT OR WARRANT THAT (i) THE CNC SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, INCLUDING, WITHOUT LIMITATION, WITH RESPECT TO YOUR FUTURE SCORE OR PERFORMANCE ON ANY EXAM, (ii) THE CNC SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE CNC SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE CNC SERVICES WILL MEET YOUR EXPECTATIONS, (v) ANY INFORMATION YOU PROVIDE OR CNC COLLECTS WILL NOT BE DISCLOSED, OR THAT (vi) ANY ERRORS IN ANY DATA, MATERIAL OR SOFTWARE WILL BE CORRECTED.

(c) IN CONNECTION WITH THE ADMISSIONS CONSULTING SERVICES, CNC DOES NOT REPRESENT OR WARRANT (i) THE LIKELIHOOD OF YOUR SUCCESS IN OBTAINING ADMISSION TO ANY COLLEGE OR GRADUATE SCHOOL PROGRAM, (ii) WHETHER THE ADMISSIONS CONSULTING SERVICES WILL ENHANCE THE STRENGTH OF YOUR ADMISSION APPLICATION(S), AND (iii) THAT YOU ARE GUARANTEED TO OBTAIN ADMISSION TO ANY COLLEGE OR GRADUATE SCHOOL PROGRAM. YOU SPECIFICALLY AGREE THAT CNC SHALL NOT IN ANY WAY BE LIABLE FOR YOUR FAILURE TO ACHIEVE ADMISSION TO ANY COLLEGE OR GRADUATE SCHOOL PROGRAM.

(d) IF YOU ACCESS OR TRANSMIT ANY CONTENT THROUGH THE USE OF THE CNC SERVICES, YOU DO SO AT YOUR OWN DISCRETION AND YOUR SOLE RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY LOSS OR DAMAGE TO YOU IN CONNECTION WITH SUCH ACTIONS, INCLUDING, WITHOUT LIMITATION, THAT ARISING FROM LIABILITY TO ANY THIRD-PARTY.

(d) NO DATA, INFORMATION OR ADVICE OBTAINED BY YOU (WHETHER ORAL OR WRITTEN) FROM CNC OR THROUGH OR FROM THE CNC SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.

16. Limitation of Liability

YOU EXPRESSLY AGREE THAT CNC SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES (EVEN IF CNC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (a) THE USE OR INABILITY TO USE THE CNC SERVICES AND/OR ANY OF THE THIRD-PARTY APPLICATIONS; (b) THE COST OF ANY SUBSTITUTE GOODS OR SERVICES PURCHASED TO REPLACE ANY GOODS OR SERVICES PURCHASED OR OBTAINED FROM CNC, INCLUDING, WITHOUT LIMITATION, THE CNC SERVICES; (c) THE DISCLOSURE OF, UNAUTHORIZED ACCESS TO, OR ALTERATION OF YOUR INFORMATION OR MESSAGES; (d) THE STATEMENTS OR CONDUCT OF ANY SERVICE PROVIDERS OR OF ANY OTHER THIRD-PARTIES, INCLUDING, WITHOUT LIMITATION, OTHER USERS OF THE CNC SERVICES; (e) ANY VIRUSES OR OTHER DISABLING FEATURES THAT AFFECT YOUR ACCESS TO OR USE OF THE CNC SERVICES; (f) ANY INCOMPATIBILITY BETWEEN THE CNC SERVICES AND OTHER WEB SITES, SERVICES, SOFTWARE OR HARDWARE, INCLUDING, WITHOUT LIMITATION, THE THIRD-PARTY APPLICATIONS; (g) ANY DELAYS OR FAILURES YOU MAY EXPERIENCE IN INITIATING, CONDUCTING OR COMPLETING ANY TRANSMISSIONS OR TRANSACTIONS IN CONNECTION WITH THE CNC SERVICES IN AN ACCURATE OR TIMELY MANNER; (h) ANY LOSS OF USER DATA, INCLUDING, WITHOUT LIMITATION, DAMAGED OR LOST USER FILES, THROUGH USE OF THE CNC SERVICES; AND (i) ANY OTHER MATTERS RELATING TO YOUR USE OF THE CNC SERVICES AND/OR THE COLLEGE OR GRADUATE SCHOOL ADMISSIONS PROCESS NOT SPECIFICALLY SET FORTH HEREIN.

17. Indemnification

You shall indemnify, defend, and hold harmless CNC, and its officers, directors, managers, members, employees, agents, third-party services providers, vendors, customers and clients, from and against any and all personal, direct and/or third-party claims, suits, demands, actions, causes of action, liabilities, damages, losses, expenses, costs, fees and other charges (including, without limitation, reasonable attorneys' fees, costs and expenses), resulting from or relating to: (a) your use of any of the CNC Services whatsoever, including, without limitation, the breach or failure of any of your representations, warranties or covenants pursuant to this User Agreement; (b) the college or graduate school admissions process, generally (as such in any manner may relate to your use of any of the CNC Services); and/or (c) your use, either directly or indirectly, of the CNC Test Prep GMAT Quant product for any purpose other than those specifically permitted by this User Agreement, including, without limitation, for competitive purposes. CNC reserves the right to assume, at its sole expense, the exclusive defense and control of any pending or threatened third-party matter or proceeding subject to indemnification by you, in which event you will fully cooperate with CNC in asserting any and all available defenses.

18. Consent and Release

During your use of the CNC Services, CNC may solicit your feedback and comments for use in its promotional materials. In addition, CNC may take photographs and make video and voice recordings during various sessions of the CNC Services for use in CNC's promotional materials. In consideration of your using the CNC Services (and for no additional consideration whatsoever), you hereby irrevocably consent and grant your unconditional release to CNC concerning its use for promotional purposes of your feedback and comments, name, likeness and image, and/or voice, on its web site(s) and/or through any other medium whatsoever.

19. Trademark Information

The CNC Test Prep logo and other CNC logos, product and services names may be trademarks, services marks or constitute other intellectual property of CNC (the "CNC Marks"). You agree not to display or use the CNC Marks in any manner without the prior written permission of CNC.

20. Technology

You are solely responsible for meeting and maintaining the minimum technological requirements that may be required to use the CNC Services that you use or purchase (e.g., having a suitable personal computer, or wireless device, and high speed Internet connection). In addition, you are solely responsible for the costs of operating your personal computer and wireless device, including for the costs of Internet access, messaging charges and airtime. If CNC (including, for these purposes, the employees and contractors engaged by CNC) will be communicating with you via SMS text messaging, you shall be responsible for ensuring that your wireless device is compatible with SMS text messaging. You may be subject to standard SMS text message charges from your wireless carrier. If you are unsure, we urge you to check with your wireless carrier regarding the SMS text messaging terms of your wireless service and the capabilities of your wireless device. You may opt-out of communicating with CNC via SMS text messaging by giving notice to such effect to CNC in accordance with Section 22 of this User Agreement. Please be advised that any such notice shall not be effective with respect to any third-party service providers of CNC.

21. Changes and Amendments

CNC RESERVES THE RIGHT, AT ITS SOLE DISCRETION, TO CHANGE, MODIFY, ALTER, OR AMEND THE TERMS AND CONDITIONS APPLICABLE TO THE CNC SERVICES (INCLUDING, WITHOUT LIMITATION, THE RIGHT, AT ITS SOLE DISCRETION, TO TERMINATE ANY OF THE CNC SERVICES) AND/OR THIS USER AGREEMENT, AT ANY TIME. You may find the most recent version of this User Agreement on the CNC Site, with the date of last modification noted above. Any such modifications to this User Agreement shall become effective immediately upon the posting thereof. Therefore, CNC encourages you to check the date of this User Agreement whenever you visit the CNC Site to verify whether this User Agreement has been updated. You should review this User Agreement on a regular basis to keep yourself apprised of any modifications. Your continued use of the CNC Services after the posting of modifications shall constitute your acceptance of the revised terms and conditions of this User Agreement. Notwithstanding any provision to the contrary set forth herein, on occasion CNC may (but shall not be obligated to) notify you of modifications to this User Agreement.

22. Notices

You agree that CNC may communicate any notices to you (including notices of changes to this User Agreement if CNC opts to give notice of any such changes), through e-mail, SMS text message, first class or certified mail (postage pre-paid), or if sent pre-paid, by a federally recognized overnight courier service. You further agree that you may communicate any notices to CNC through e-mail: conceptsnclarity@outlook.com, or by first class or certified mail (postage pre-paid), or if sent pre-paid, by a federally recognized overnight courier service, to the following address: M-30 , Old DLF Colony, Sector-14 , Gurgaon(Haryana)- India-122002

23. Consent to Communications; Acknowledgement

You hereby consent to receiving any and all announcements and communications, whether by e-mail or otherwise, that CNC deems necessary to send to you for the purposes of its performing the CNC Services. Once registered for any of the CNC Services, you should check the CNC Site and the e-mail address you provided in your registration profile for any changes to the scheduling or location of the CNC Services for which you are registered. You hereby agree and acknowledge that CNC shall not be responsible for your failure to know the schedule or location of any of your CNC Services.

24. Entire Agreement

This User Agreement governs your use of the CNC Services and constitutes the entire agreement between you and CNC. This User Agreement supersedes any prior agreements between you and CNC. Additional terms and conditions may apply when you use the services of third-party services providers, including, without limitation, the Third-Party Applications. Any such additional terms and conditions shall not be deemed to modify or amend this User Agreement or the rights of CNC hereunder.

25. Governing Law and Venue

This User Agreement and the relationship between you and CNC shall be governed by the laws of the State of Florida, without regard to its conflicts of law provisions, and as applicable, the laws of the United States of America. You agree that notwithstanding any statute or law to the contrary, to the extent permitted by law, any claim or cause of action arising out of or relating to use of the CNC Services or this User Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. You further consent and agree that the courts of the State of Florida sitting in Hillsborough County, Florida are the exclusive forum for litigation of any claim or cause of action arising out of or relating to use of the CNC Services or this User Agreement, and you expressly submit to the jurisdiction of said courts and waive any objection to venue or jurisdiction.

26. Force Majeure

CNC shall not be liable for any failure, cancellation or delay in the performance of the CNC Services to the extent that such failures, cancellations or delays are proximately caused by forces beyond the reasonable control of CNC, including, without limitation, acts of God, acts of war, and/or the failure of any third-party service providers, suppliers, subcontractors, and carriers.

27. Miscellaneous

Any failure by CNC to exercise any rights or enforce any of the terms of this User Agreement shall not constitute a waiver of such rights or terms. If any provision of this User Agreement or its application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of this User Agreement, or the application of such provision in other circumstances, shall not be affected thereby, and each provision of this User Agreement shall be valid and enforced to the fullest extent permitted by law. The titles and section headings of this User Agreement are for convenience of reference only and shall not be deemed to be a part of this User Agreement. A printed version of these terms and conditions and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these terms and conditions to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.