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Financial Knowledge Conflict-Free and Copyright Policy

The Financial Knowledge mission is to provide financial and benefits information and adheres to a strict code of ethics in all aspects of business operations to protect employers, employees, and instructors. Financial Knowledge strives to create a learning environment without conflicts of interest.

At Financial Knowledge, all classes are taught in a classroom environment. Financial Knowledge instructors provide the knowledge and life skills needed for individuals to make their own financial and benefits decisions with confidence. Financial Knowledge prohibits its instructors from selling financial products or offering advisory services in the classroom. Financial Knowledge does not have any affiliations, partnerships or agreements with any other firms including those that provide financial planning, investment advisory, tax planning, employee benefits consulting, accounting, banking, brokerage, legal, or real estate services. Moreover, all courses conducted by Financial Knowledge are for the sole purpose of general education and do not provide specific investment or financial advice.

All course materials, including workbooks, handouts, and PowerPoint presentations, are the copyright property of Financial Knowledge. No part of these course materials may be reproduced or transmitted in any form or by anyone without permission in writing from Financial Knowledge. It is further understood that any and all course materials that Financial Knowledge develops including course materials that incorporate employer plans are the copyright property of Financial Knowledge. No one may record the classes provided by Financial Knowledge in any manner (including, but not limited to, audio recording and video recording) without written permission from Financial Knowledge.

Financial Knowledge
Privacy Policy and Data Protection Notice

Last Updated on May 08, 2019

Financial Knowledge Network, LLC (“Financial Knowledge", “Company”, or “We”) respects the privacy of our students and users who utilize the www.financialknowledge.com website (“Website”) or other products and services of the Company. This updated Privacy Notice and Data Protection Policy (“Privacy Notice”) describes how We collect, use and disclose your personal information when you use the Website. We have included changes to address the new standards introduced by the European data protection law known as the General Data Protection Regulation (GDPR). On May 25, 2018, a new European Union (EU) data protection law, the General Data Protection Regulation (GDPR), took effect. The GDPR gives individuals more control over how your data is used and places certain obligations on businesses that process information of those individuals. Under GDPR, you as the user have complete access to your personal data, you have the ability to correct errors in your personal data, you can erase your personal data, and/or object to processing of your data and export personal data.

We’ve updated our Privacy Notice and internal policies to reflect the new requirements of the GDPR. You have the ability to access, download, and request deletion of your personal information. Our updated Privacy Notice provides additional details about the information We collect and how We use that information. We’ve also explained your choices and the control you have over your information.

This Privacy Notice applies to only our Website and not to any other providers of financial education that your employer may use.

The following areas are covered in this Privacy Notice:

• What Data Is Collected And How Is The Data Collected

• Use Of The Data We Collect

• Your Data Subject Rights; Data Protection Officer

• Circumstances Under Which Data We Collect Is Shared

• What We Do To Protect The Data We Collect

• Data Storage, Retention And Deletion Policy

• Your California Privacy Rights; Do Not Track Disclosures

• Changes To This Policy

• Children

What Data Is Collected And How Is The Data Collected

In order to use the Website, we will ask you to register with us. As part of the registration process for the Website, submitting information on the Website or contacting the Company, the Website collects “Personal Information” as defined herein. We require that you provide certain personally identifiable information, such as your name, email address, phone number, company name, and any other information you provide to the Company (collectively, “Personal Information”). If you sign in using a third-party website or platform, such as Single Sign On, We collect your name and email address. We also collect other information, such as usage, location, viewing and technical data, including your device identifier or IP address, when you visit or use the Website.

Use Of The Data We Collect

We use the information We collect to manage your financial education program on the Website. Our Website gives you the ability to register for upcoming courses, view recorded classes (if applicable), obtain continuing education units (CEUs), and contact support. Your information is used for registration tracking purposes and also to alert you about your course registrations, cancellations, and CEU credits and Company products and services. The Website also collects aggregative statistical information for purposes of improving the Website and its services, and We do share the aggregative statistical information with your employer upon their request. For example, aggregative statistical information includes tracking the number of students registered for and who attended a specific course or program on the Website.

Your Data Subject Rights; Data Protection Officer

Financial Knowledge may store, transfer, or otherwise process Personal Information in countries outside the country of your residence, including the United States and possibly other countries. If you are from the European Economic Area, our legal basis for collecting and using the personal information described herein will depend on the personal information concerned and the specific context in which We collect it. When required by law, We will collect personal information only where We have your consent to do so. Subject to applicable U.S. laws and international law, including but not limited to the GDPR, you have data protection rights, including but not limited to those as described in this Section:

• Right to Access – you have the right to request the Company for copies of your personal data.

• Right to Rectification; you have the right to request the Company to correct any information that you believe is inaccurate. You also have the right to request the Company to complete information that you believe is incomplete.

• Right to Erasure (deletion) – you have the right to request that the Company erase your personal data, under certain conditions. Please contact us via email or telephone if you wish to exercise this right.

• Right to Restrict Processing – you have the right to request that the Company restrict the processing of your personal data, under certain conditions.

• Right to Object to Processing; you have the right to object to the Company’s processing of your personal data, under certain conditions.

• Right to Data Portability (Transfer) – You may request the Company to transfer certain personal information that We hold about you, which is processed by automated means, to a third-party, under certain conditions.

• Right to Withdraw Consent – In the event personal information is collected or processed on the basis of consent, you have the right to withdraw that consent at any time – however, withdrawal of your consent will not affect the lawfulness of any processing or collecting (of personal information) Financial Knowledge conducted prior to your withdrawal of consent, nor will it affect processing or collecting conducted in reliance on lawful processing or collecting grounds other than consent.

• Right to Opt-Out – you may opt out of any promotional email communications at any time by clicking the unsubscribe button or by contacting Financial Knowledge by email or phone. However, please note that some communications (such as service messages, account notifications, etc.) are considered transactional and necessary for account management, and you cannot opt out of these messages unless you cancel your user account.

• Right to Notice – you are entitled to receive notice regarding your personal information and any breach or suspected breach as required by applicable law.

• Financial Knowledge’s Data Protection Officer; Contacting Financial Knowledge – for any requests, questions or concerns regarding your rights described herein or for any other inquiries, you may contact Financial Knowledge’s data protection officer at info@financialknowledge.com. For requests from you regarding your data protection rights, We may ask you to verify your identity in order to help us respond to your inquiry.

• Right to Complain – You have the right to file a complaint concerning our processing of your personal data with your national (or in some countries, regional) data protection authority. The EU Commission has a list here: http://ec.europa.eu/justice/article-29/structure/data-protection-authorities/index_en.htm

Circumstances Under Which Data We Collect is Shared

Your privacy is our top priority. We do not sell or rent your personally identifiable information, and We will not share your personally identifiable information with others except in the limited circumstances described in this Privacy Notice. The company shares Personal Information only as set forth below:

• Clients – The Company shares aggregative statistical information with the Company’s “Clients”, i.e. companies or employers who engage the Company for its services, including but not limited to the Website.

• Business Transactions – In the event that the Company, or any portion of the Company’s assets, are acquired or the Company undergoes another transaction in the Company’s business, your personal information may be transferred to the acquiring company or other entity surviving such transaction.

• Law Enforcement – The Company may be required to report to law enforcement agencies any activities that the Company reasonably believes to be unlawful, or that the Company reasonably believes may aid a law enforcement investigation into unlawful activity. In addition, the Company reserves the right to release your information to law enforcement agencies if the Company determines, in its sole judgment, that either you have violated the Company’s policies, or the release of your information may protect the rights, property, or safety of the Company or another person.

• Legal Process – The Company may share your information with others as required by, or permitted by, law. This may include sharing your information with government entities, or third parties in response to subpoenas, court orders, other legal process, or as the Company believes is necessary to exercise the Company’s legal rights, to defend against legal claims that have been brought against the Company, or to defend against possible legal claims that the Company determines in its sole discretion might be brought against the Company.

• At Your Option – Other than as set out above, you will receive notice when personal information about you might be shared with third parties, and you will have an opportunity to choose not to share the information.

What We Do to Protect the Data We Collect

The security, integrity and confidentiality of your Personal Information is extremely important. Financial Knowledge takes measures to maintain the confidentiality of your personal information which include physical maintenance, technological maintenance and internal processes and procedures which are done to protect your information. Please be aware though that, despite the Company’s best efforts, no security measures are perfect or impenetrable and, therefore, the Company cannot guarantee that Personal Information will remain secure in all circumstances.

We update our systems to install security updates and patches. We have scheduled maintenance periods for patching and apply patches on a delayed schedule to ensure proper testing. In addition, We use firewalls and antivirus/antimalware to detect and help prevent intrusions.

We also encourage our users to play a role in securing your own data by creating strong passwords on our site.

Data Storage, Retention And Deletion Policy

We keep your personal information to enable your continued use of our system and services, for as long as it is required in order to fulfill the relevant purposes described in this Privacy Notice, as may be required by law (including for tax and accounting purposes), or as otherwise communicated to you. How long We retain specific personal information varies depending on the purpose for its use, and We will delete your personal information in accordance with applicable law.

You are entitled to:

• Ask what information the company holds about them and why.

• Ask how to gain access to it.

• Be informed on how to keep it up to date.

• Be informed on how the company is meeting its data protection obligations.

You can view or change your personal information such as your first name, last name or email address in the “Edit My Profile” section of your online user account at any time. If you contact the company requesting the above information, this is called a data subject access request. You may send data subject access requests by calling Financial Knowledge toll free at 866-343-2838. Upon your written or verbal request, your data can be erased from our system. Please contact us via email or telephone if you wish to have your data erased from our Website.

Questions or concerns about this Privacy Notice should be directed to us by email to info@financialknowledge.com or by writing to us Financial Knowledge Network, LLC P.O. Box 8756 San Jose, CA 95155.

Your California Privacy Rights; Do Not Track Disclosures

If you are a California resident, California Civil Code Section 1798.83 permits you to request a notice regarding the disclosure of your Personal Information by the Company to partners for the partners’ direct marketing purpose. If you are a California resident and would like a copy of this notice, please contact the Company at info@financialknowledge.com. The Company does not track the Website’s users and visitors over time and across third party websites to provide targeted advertising. Consequently, the Company does not respond to Do Not Track (DNT) signals. Other third-party websites may keep track of your browsing activities when they provide you with content, which enables them to customize what they present to you on their websites.

Changes To This Policy

Your use of the Website, including any dispute concerning privacy, is subject to this privacy policy and the applicable Website’s Terms and Conditions. BY USING THE WEBSITE AND GIVING YOUR CONSENT, YOU ARE ACCEPTING THE PRACTICES SET OUT IN THIS PRIVACY POLICY AND THE APPLICABLE TERMS OF USE. The Company reserves the right to modify this Policy at any time by posting the changes on this page. Please check the effective date at the top of this page to determine if the Policy has been modified since you last reviewed it. Your continued use of any portion of the Website following posting of the updated Policy will constitute your acceptance of the changes, and we will not materially change our policies and practices to make your personal information less protected without informing the affected users and giving them a choice.

Children

The Company is committed to protecting the online privacy of children and making the internet safe. The Company does not provide products and services to children, or knowingly collect or solicit Personal Information from children under 13 years of age. Any communication the Company gets through the Website that is identified as being from a child under 13 will not be kept by the Company. We encourage parents or guardians of children under 13 to regularly check and monitor their children’s use of email and other activities online.

Financial Knowledge
Terms and Conditions

Last Updated on May 08, 2019

1. Acceptance of Terms and Conditions.

THESE TERMS AND CONDITIONS (“AGREEMENT”) ARE A LEGALLY BINDING AGREEMENT BETWEEN YOU (“YOU”) AND FINANCIAL KNOWLEDGE NETWORK, LLC (“WE”, “US”, OR “COMPANY”), THE OWNER AND OPERATOR OF HTTP://WWW.FINANCIALKNOWLEDGE.COM (THE “WEBSITE”). THIS AGREEMENT STATES THE TERMS AND CONDITIONS THAT GOVERN YOUR USE OF THE WEBSITE.  BY ACCESSING AND USING THE WEBSITE, YOU ARE INDICATING THAT YOU ACCEPT, AND AGREE TO COMPLY WITH THIS AGREEMENT.  IF YOU DO NOT ACCEPT THIS AGREEMENT, YOU ARE NOT PERMITTED, AND YOU MUST NOT, ACCESS OR USE THIS WEBSITE.

2. Personal Information/Privacy.

You agree to provide accurate, current and complete information.  We reserve the right to block, remove, or otherwise delete users who provide false, inaccurate, or incomplete data.  Company’s Privacy Policy explains how your personally identifiable information is collected, used and disclosed.  We respect your privacy and will use information provided by You only in accordance with this Agreement and the Privacy Policy.  Further, You agree to be bound by the terms of Company’s Privacy Policy.

Use of Website; Intellectual Property Rights; User Content.

2.1.    Accounts; Passwords

You must be 18 years of age or over in order to register on the Website, and you must create and register an account to use the Website. By creating an account, You warrant that You have full and unrestricted power and authority to use the Website.  Except with the Company’s approval, You may only register one account per person on the Website.

You are responsible for maintaining the confidentiality of Your passwords and You are responsible for all activities that occur in using Your passwords. You agree not to share Your passwords, let anyone else access Your passwords or do anything else that might jeopardize the security of Your passwords. You agree to notify the Company if there is any unauthorized use of Your password on the Website or You know of any other breach of security in relation to the Website.

2.2.    Use of Website

Subject to your compliance with this Agreement, the Company hereby grants You a limited, personal, revocable, non-transferable, non-sublicensable, and non-exclusive license to access the Website and use the content, information, text, images, logos, icons, graphics, interfaces, Website design, audio, and video clips and any other materials displayed on the Website (collectively, the “Content”), solely for your personal, non-commercial use. You may not copy, modify, reproduce, retransmit, publicly display or perform, distribute or otherwise use the Content except as expressly set forth in this Agreement. You may not remove any copyright or other proprietary notices from any Content. If You breach any term of this Agreement, your authorization to use the Website and Content automatically terminates without notice to You.

You hereby represent and warrant that You will not, and will not induce any third-party to: (a) attempt to disable or circumvent any security mechanisms used by the Website or Content or otherwise attempt to gain unauthorized access to any portion of the Website or Content or any other systems or networks connected to the Website, or to any server of Company or its third-party service providers, by hacking, password “mining,” or any other illegal means; (b) use any “deep-link,” “page scrape,” “robot,” “spider,” or other automatic device, program, algorithm or methodology, or any comparable manual process, to access, acquire, copy or monitor any portion of the Website or Content; (c) use any device, software or routine to interrupt or interfere with, or attempt to interrupt or interfere with, the proper operation and working of the Website or with any other person’s use of the Website; (d) track or seek to trace any information on any other person who visits the Website; use the Website or Content for, or in connection with, any illegal purpose, to solicit, facilitate, encourage, condone, or induce any illegal activity, or as otherwise prohibited by this Agreement or applicable laws, rules or regulations; or (f) copy, modify, create a derivative work of, reverse engineer, decompile or otherwise attempt to extract the source code of any proprietary software used to provide or maintain the Website or Content or that is otherwise applicable to the Website or the Content.

2.3.    Intellectual Property Rights

You hereby acknowledge and agree that the Company or its licensors own all legal right, title and interest in and to the Content and the Website, including but not limited to any copyrights, trademark rights, patent rights, moral rights, and other intellectual property and proprietary rights therein, whether such rights are registered or unregistered, and wherever in the world those rights may exist. Your use of the Website does not grant You ownership of any kind in any Content. You may access Content on or through this Website. Unauthorized use is strictly prohibited.

2.4.    User Content

The Website may offer You the opportunity to submit information to the Company through its contact or submission pages of the Website, forums, or other message or communication facilities (collectively the “User Content”).  By making User Content, You grant to Company an unrestricted, royalty-free, perpetual, irrevocable and fully sublicensable and transferable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, exhibit and display such User Content throughout the world in any and all media and formats, whether now known or hereafter developed, for any purpose whatsoever, without compensation or acknowledgement of its source. You further agree that Company is free to use any ideas, concepts, or know-how that You or individuals acting on your behalf provide to Company without any monetary or other obligation to You.  To the maximum extent permitted by law, You waive any and all “moral rights” that You may have in User Content.

You agree not to post on or transmit to the Website or otherwise provide to Company any User Content or other material that:

• is unlawful; libelous; harmful; threatening; abusive; harassing; defamatory; vulgar; obscene;

• sexually explicit; profane; hateful; racially, ethnically or otherwise objectionable in any manner;

• is an advertisement or promotion for any Website or service that is not an approved Website of Company;

• is false, misleading, or constitutes an unfair or deceptive trade practice;

• promotes the use of alcohol, tobacco, or any illegal substance;

• constitutes a breach of your contractual and/or fiduciary obligations or an invasion of privacy;

• infringes on any third-party patent, trademark, trade name, corporate name, trade secret, copyright, publicity, or other proprietary or property rights;

• is false or misleading; or

• contains viruses, Trojan horses, worms or other code, scripts, routines, files or programs designed to alter, interrupt, impede, limit or destroy the performance and/or functioning of any software, hardware or other equipment.

You are solely responsible for your User Content and You agree to defend, indemnify and hold harmless Company and its members, employees and agents from and against any losses, expenses, liabilities, claims, costs and damages (“Claims”) arising from your User Content, including but not limited to, any Claim(s) arising out of breach of this Agreement or for infringement of copyright, trademark, patent or other proprietary rights. You understand and acknowledge that User Content may be published with your consent, and that Company has no obligation to keep such User Content confidential, if you provide your consent. You further agree that any User Content You provide does not contain any confidential, proprietary or trade secret information of any third-party.

We reserve the right to take any action with respect to User Content that We deem necessary or appropriate in our sole discretion if We believe any User Content violates this Agreement, is inappropriate on the Website, may create liability for Company, or may cause Company to lose (in whole or in part) the services of its internet service provider, advertisers, or other suppliers. Such action may include, but is not limited to, removing, deleting, modifying or altering User Content.

3. Links to Third Party Websites; Indemnification.

3.1.    Third-Party Websites

The Website may provide links to third-party websites that are not owned or controlled by Company (the “Third-Party Websites”). We provide such links solely as a convenience to You. We do not review, approve, endorse or make any representations about such Third-Party Websites, the companies or persons who own and/or operate them, or any information, software or other Websites and services made available through such Third-Party Websites, or any results that may be obtained from using them. If You decide to access any such Third-Party Websites linked to the Website, You are solely responsible for your activities conducted in connection with such Third-Party Websites. Your use of Third-Party Websites is subject to the terms of use and privacy policies located on the Third-Party Websites which may be different from this Agreement or our Privacy Policy and, therefore, We recommend that You review such Third-Party Website privacy policies.

3.2.    Indemnification

You hereby agree to defend, indemnify, and hold Company and any Financial Party (as defined below) harmless from and against, any and all losses, liabilities, damages, and/or claims (including, without limitation, attorney’s fees and costs) arising from:

(i)         your use of the Website or any content You submit through the Website;

(ii)       a breach of these Terms and Conditions by You, your employees or agents;

(iii)           a breach of any applicable law by You, your employees or agents; and

(iv)           any action against Company by a third-party as a consequence of any of the above.

4. Liability Disclaimer.

Company cannot and does not represent or warrant that the Website or its server will be error-free, uninterrupted, free from unauthorized access (including third-party hackers or denial of service attacks), or otherwise meet your requirements.

THE WEBSITE, CONTENT, AND PRODUCTS ARE FURNISHED TO YOU “AS IS” AND WITHOUT WARRANTIES, REPRESENTATIONS OR CONDITIONS, STATUTORY OR OTHERWISE, OF ANY KIND. COMPANY, ON BEHALF OF ITSELF AND ITS AFFILIATES, AND EACH OF THEIR RESPECTIVE DIRECTORS, OFFICERS, MEMBERS, EMPLOYEES, CONTRACTORS, AGENTS, SUCCESSORS, AND ASSIGNS (COLLECTIVELY THE “FINANCIAL PARTY”): (A) EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF NON-INFRINGEMENT, TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE; (B) DOES NOT REPRESENT OR WARRANT THAT THE WEBSITE, CONTENT OR PRODUCTS WILL MEET YOUR REQUIREMENTS, OR THAT THE OPERATION OF THE WEBSITE OR CONTENT WILL BE TIMELY, UNINTERRUPTED, STABLE OR SECURE; (C) DOES NOT REPRESENT OR WARRANT THAT THE WEBSITE, CONTENT, OR PRODUCTS WILL BE ERROR-FREE OR THAT ANY DEFECTS WILL BE CORRECTED; AND (D) DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS REGARDING THE USE OF THE WEBSITE, CONTENT OR PRODUCTS IN TERMS OF THEIR ACCURACY, RELIABILITY, TIMELINESS, COMPLETENESS OR OTHERWISE. YOUR USE OF THE WEBSITE, CONTENT OR WEBSITES IS ENTIRELY AT YOUR OWN DISCRETION AND RISK AND YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE WEBSITE, CONTENT OR WEBSITES.

5. Limitation of Liability.

IN NO EVENT SHALL ANY FINANCIAL PARTY BE LIABLE TO YOU, OR ANY THIRD-PARTY, FOR ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, RELIANCE OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, PROPERTY DAMAGE, LOSS OF VALUE OF THE PRODUCTS OR LOSS OF THE USE OF THE PRODUCTS, WHETHER BASED ON BREACH OF ANY EXPRESS OR IMPLIED WARRANTY OR CONDITION, BREACH OF CONTRACT OR TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE OR STRICT LIABILITY), EVEN IF A COMPANY PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTHING IN THIS SECTION 6 SHALL EXCLUDE OR LIMIT ANY FINANCIAL KNOWLEDGE NETWORK, LLC PARTY’S LIABILITY FOR LOSSES WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW, IN WHICH CASE, SUCH FINANCIAL KNOWLEDGE NETWORK, LLC PARTY’S LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

6. Choice of Law; Dispute Resolution; Class Action Waiver.

6.1.    Choice of Law

The validity, interpretation, and performance of this Agreement shall be controlled by and construed under the laws of the State of California without regards to its conflicts of laws principles.

6.2.    Dispute Resolution/Acknowledgment of, and Agreement to, Arbitration

Except as prohibited by law, any dispute or controversy regarding the enforcement or interpretation of this Agreement will be resolved through binding arbitration under the Consumer Arbitration Rules of the American Arbitration Association in Santa Clara County, California.  THE PARTIES UNDERSTAND THAT BY AGREEING TO ARBITRATE DISPUTES THEY ARE WAIVING ANY RIGHT THEY MIGHT OTHERWISE HAVE TO A JURY TRIAL.  This arbitration provision is not intended to modify or limit the right of the parties to seek equitable relief, such as an injunction or attachment, through judicial process, which will not be deemed a waiver of the right to demand and obtain arbitration

6.3.    Class Action Waiver

Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted. Neither You nor Company has the right to act as a class representative or participate as a member of a class of claimants with respect to any claim.

7. General Terms.

7.1.    Entire Agreement

This Agreement and any other terms or privacy policies referenced herein, is the entire agreement between You and the Company and supersedes any prior agreement or understanding regarding anything connected to that subject matter.

7.2.    Amendment; Modification

Company may add to, change or remove any part of the Website, including, without limitation, any Content, at any time without prior notice to You. We also reserve the right to modify this Agreement at any time.  When We make changes to the Agreement, We will revise the “Last updated” date at the top of the Agreement and We will notify You of the changes by prominently posting a notice of such changes on the Website and/or be sending You an email. We encourage You to review this Agreement whenever You visit the Website. By continuing to access and use the Website after any such changes have been posted, You are indicating your acceptance of such changes, even if You have not reviewed the changes.

7.3.    Electronic Communications

Whenever You visit our Website or send emails to Us, You are communicating with Us electronically. For that reason, You also consent to receive communications from Us electronically. We will communicate with you by email (if you have provided your email address to Us), by posting notices on our Website or by such other means as We may determine from time-to-time.  You agree that all agreements, notices, disclosures, and other communications that We provide to You electronically satisfy any legal requirement that such communications be in writing to the extent permitted by applicable law.

7.4.    Waiver

Company’s failure to exercise, partially exercise or delay in exercising any right or remedy under this Agreement shall not operate as a waiver or estoppel of any right, remedy or condition.

7.5.    Severability

If any provision of this Agreement is held invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions will not be affected or impaired.

7.6.    Assignment

You may not assign or otherwise transfer your rights, or delegate your performance, under this Agreement to a third-party without Company’s prior written consent. Company may assign or transfer its rights or delegate any performance under this Agreement to any third-party in its sole discretion.

7.7.    Comments and Concerns

The Website is operated by the Company. Any feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: info@financialknowledge.com.