WST Self-Study: Technical Requirements

The Terms and Conditions below assume you meet the minimum technical requirements for accessing the Wall Street Training & Advisory, Inc. ("WST") Self-Study system. If you have any questions, please contact us before placing your order.

Refund/Cancellation Policy for Live Courses

Wall Street Training & Advisory, Inc. ("WST") reserves the right to cancel the training if enrollment is insufficient or for any circumstances beyond our control. If WST outright cancels a class, all payments will be refunded in full promptly.

In some cases, WST may reschedule/postpone a class to a later date, and this web page will be updated accordingly. Existing registrations for a rescheduled class are eligible for either (1) a full refund, or (2) a free transfer to the rescheduled course on the new date.

All requests for cancellation must be in writing (fax or email is acceptable). If canceling 30 days or prior to start of the first class, a 50% cancellation fee + $50 processing fee will be assessed; if canceling less than 30 days from start of first class, no refunds given. Any substitutions must be made 14 days in advance of the first class; after that, no substitutions allowed.

In cases of Acts of God, Force Majeure, Acts of Nature & Weather, or similar event, WST will reschedule the event with as much advance notice as possible. If you cannot make the rescheduled dates, you can find someone to substitute for you at anytime. If you cannot find a substitute and do not attend the class, you will receive access to the online course equivalent; no refunds will be given in such a case.

Terms and Conditions

Electronic Agreement. This Agreement is an electronic contract between you and Wall Street Training & Advisory, Inc. and its affiliates (collectively "WST") that sets out the legally binding terms of your use of the Website and your membership in the Service. This Agreement may be modified by WST from time to time, such modifications to be effective upon posting by WST on the Website. This Agreement includes WST's Acceptable Use Policy for Content Posted on the Website, WST's Privacy Policy, WST's subscription policies and any notices regarding the Website. By accessing the Website or becoming a Member, you accept this Agreement and agree to the terms, conditions and notices contained or referenced herein.

1. Copyright/Use.

A) The information available through the Service is the property of WST or its licensors, and is protected by copyright and other intellectual property laws. Any printouts using or referencing content from the Service shall contain the following copyright notice: "Copyright © Wall Street Training & Advisory, Inc." or "Copyright © Wall St. Training" along with WST's logo, and you may not delete or alter the copyright notice(s) included on any downloaded file. You are granted a nonexclusive, non-concurrent, nontransferable, limited license to access the Service. The Service is available ONLY for the number of designated users identified in your order and may not be shared with other non-designated persons or entities. The account owner and each designated user are responsible for the confidentiality and use of the user's name and personal password and all activity and use under the user name and password. You agree not to reproduce, retransmit, photocopy, distribute, disseminate, sell, publish, broadcast, or circulate the information received through the Service to anyone else without the express prior written consent of WST. You may use information from the Service within your company, but copying, distributing or otherwise making available WST's or its licensors' copyright-protected content from the Service to third parties is forbidden. You are prohibited from: (i) using or permitting the use of the information to prepare an original database that is sold, rented, published, or furnished in any manner to a third party or (ii) using or permitting the use of the information to prepare a comparison to other databases that is sold, rented, published, or furnished in any manner to a third party; (iii) using or permitting the use of the information for the purpose of compiling, enhancing, verifying, supplementing, adding to, or deleting from any mailing list, business directory, or other compilation of information that is sold, rented, published or furnished in any manner to a third party.

B) (i) Accounts accessed with individual user name and password are granted a nonexclusive, non-concurrent, nontransferable, limited license to access the Service. The Service is available ONLY for the number of designated users identified in your order and may not be shared with other non-designated persons or entities. The account owner and each designated user are responsible for the confidentiality and use of the user's name and personal password and all activity and use under the user name and password; (ii) Accounts accessed through IP authentication or referring URL are granted a non-exclusive, concurrent, non-transferable, limited license to access the Service. Access to the Service is limited to the number of simultaneous users specified in your order. In the event an account reaches the concurrency limit, WST reserves the right to deny access to any and all users in excess of the number of simultaneous users specified on the order. Any account accessed with individual user name and password, whether concurrent or non-concurrent, is subject to the restrictions regarding sharing of user name and password previously set forth.

C) WST reserves the right to monitor your use of the Service to ensure compliance with this Agreement and prevent fraudulent use. You acknowledge that such monitoring of use may include determining whether or not the Service is accessed under the account from multiple IP addresses, as well as noting excessive downloads or a disproportionate number of users. Systematic access or extraction of content from the Service, including, but not limited to, the use of "bots" or "spiders," is prohibited. If such monitoring indicates you are not in compliance with this Agreement or if fraudulent activity is suspected, WST reserves the right to take such action as it deems necessary, including, but not limited to, assessing additional charges for users or downloaded records in excess of the number authorized, or suspension or termination of the account.

2. Warranties/Limitations.

A) Due to the number of sources from which information on the Service is obtained, and the inherent hazards of electronic distribution and the Internet, there may be delays, omissions, or inaccuracies in obtaining or accessing such information and the Service.

B) THE SERVICE IS PROVIDED ON AN "AS-IS", "AS AVAILABLE" BASIS. WST AND ITS AFFILIATES, AGENTS, AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION AVAILABLE THROUGH THE SERVICE, OR THE SERVICE ITSELF. NEITHER WST, NOR ANY OF ITS AFFILIATES, AGENTS, OR LICENSORS SHALL BE LIABLE TO THE SUBSCRIBER OR ANYONE ELSE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR IN PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING, OR DELIVERING THE SERVICE AND ANY INFORMATION THROUGH THE SERVICE. IN NO EVENT WILL WST, ITS AFFILIATES, AGENTS, OR LICENSORS BE LIABLE TO THE SUBSCRIBER OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY THE SUBSCRIBER IN RELIANCE ON SUCH INFORMATION, OR FOR DIRECT, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE SUBSCRIBER AGREES THAT THE LIABILITY OF WST ITS AFFILIATES, AGENTS, AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM (WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE), IN ANY WAY CONNECTED WITH THE SERVICE OR THE INFORMATION IN THE SERVICE, SHALL NOT EXCEED THE AMOUNT THE SUBSCRIBER PAID TO WST FOR USE OF THE SERVICE.

3. WST Privacy Policy.

WST's Privacy Policy is very simple. We do NOT sell, distribute or otherwise disseminate your registration data and other information about you to third parties. You will receive occassional emails from us from time to time in the form of newsletters or other relevant information or news. We tend to send about one (1) email per quarter, if even. At all times, there will be an "unsubscribe" or "remove me" link or you can always email us and you will be removed from our lists immediately. If you are located outside the United States, by subscribing to WST you consent to your data being sent to the United States.

4. Subscriptions.

(a) General. WST bills you through an online account (your "Billing Account") for use of the Service. You agree to pay WST all charges at the prices then in effect for any use of the Service using your Billing Account, and you authorize WST to charge your chosen payment provider (your "Payment Method") for the Service. You agree to make payment using that selected Payment Method. WST reserves the right to correct any errors or mistakes that it makes even if it has already requested or received payment.

(b) Subscription Term. The term of your subscription is based on the day that you become a member of the website to the last day of the level term. For example, if you purchase a membership on February 14, 2011 your subscription term will last until August 14, 2011.

(c) Recurring Billing. Most subscription plans to the Service consist of an initial period, for which there is a one time charge, followed by recurring monthly charges as agreed to by you. By entering into this Agreement, you acknowledge that your subscription has an initial and recurring payment feature and you accept responsibility for all recurring charges prior to cancellation. WST MAY SUBMIT MONTHLY CHARGES WITHOUT FURTHER AUTHORIZATION FROM YOU, UNTIL YOU PROVIDE PRIOR NOTICE (CONFIRMED IN WRITING UPON REQUEST BY WST) THAT YOU HAVE TERMINATED THIS AUTHORIZATION OR WISH TO CHANGE YOUR PAYMENT METHOD. SUCH NOTICE WILL NOT AFFECT CHARGES SUBMITTED BEFORE WST REASONABLY COULD ACT. TO TERMINATE YOUR AUTHORIZATION OR CHANGE YOUR PAYMENT METHOD.

(d) Current Information Required. YOU MUST PROVIDE CURRENT, COMPLETE AND ACCURATE INFORMATION FOR YOUR BILLING ACCOUNT. YOU MUST PROMPTLY UPDATE ALL INFORMATION TO KEEP YOUR BILLING ACCOUNT CURRENT, COMPLETE AND ACCURATE (SUCH AS A CHANGE IN BILLING ADDRESS, CREDIT CARD NUMBER, OR CREDIT CARD EXPIRATION DATE), AND YOU MUST PROMPTLY NOTIFY WST IF YOUR PAYMENT METHOD IS CANCELED (E.G., FOR LOSS OR THEFT) OR IF YOU BECOME AWARE OF A POTENTIAL BREACH OF SECURITY, SUCH AS THE UNAUTHORIZED DISCLOSURE OR USE OF YOUR USER NAME OR PASSWORD. IF YOU FAIL TO PROVIDE WST ANY OF THE FOREGOING INFORMATION, YOU AGREE THAT WST MAY CONTINUE CHARGING YOU FOR ANY USE OF THE SERVICE UNDER YOUR BILLING ACCOUNT UNLESS YOU HAVE TERMINATED YOUR SUBSCRIPTION FOR THE SERVICE (CONFIRMED BY YOU IN WRITING UPON REQUEST BY WST).

(e) Payment Method. The terms of your payment will be based on your Payment Method and may be determined by agreements between you and the financial institution, credit card issuer or other provider of your chosen Payment Method (the "Payment Method Provider"). If WST does not receive payment from your Payment Method Provider, you agree to pay all amounts due on your Billing Account upon demand.

(f) Change in Amount Authorized. If the amount to be charged to your Billing Account varies from the amount you preauthorized (other than due to the imposition or change in the amount of state sales taxes), you have the right to receive, and WST shall provide, notice of the amount to be charged and the date of the charge at least 5 days before the scheduled date of the transaction. Any agreement you have with your Payment Method Provider will govern your use of your Payment Method. You agree that WST may accumulate charges incurred and submit them as one or more aggregate charges during or at the end of each billing cycle.

(g) Auto-renewal. Your WST subscription will not be automatically renewed and your account will not be charged without you specifically re-registering for any courses. If you cancel your account, you may use your subscription until the end of your then-current subscription term. In addition, you will not be eligible for a prorated refund of any portion of the subscription fee paid.

(h) Reaffirmation of Authorization. Your non-termination or continued use of the Service reaffirms that WST is authorized to charge your Payment Method. WST may submit those charges for payment and you will be responsible for such charges. This does not waive WST's right to seek payment directly from you. Your charges may be payable in advance, in arrears, per usage, or as otherwise described when you initially subscribed to the Service.

(h) Free Trials and Other Promotions. Any free trial or other promotion that provides subscriber-level access to the Service must be used within the specified time of the trial.

5. Changes.

We may change the terms of this Agreement at any time. The current version of Terms and Conditions will be posted here.

6. General.

This Agreement contains the final and entire agreement between us and supersedes other verbal or written negotiations, understandings or agreements. Your rights and obligations of this Agreement are not assignable. If any provision of this Agreement is invalid under applicable law, the remaining provisions will continue in full force and effect. This Agreement, all intellectual property issues, and your rights and obligations shall be governed by the laws of the United States of America and the State of New York.

The use of Services under this Agreement applies to your company as it exists today, and may be used only to support your U.S. business. Future acquisitions by your company of, or future acquisitions of your company by, other companies ("Acquired/Acquiring Companies") shall not be included in this Agreement. Acquired/Acquiring Companies shall continue to receive services pursuant to the terms and conditions of their current agreement ("Existing Agreement") and shall not be included as an Included Entity under this Agreement.

7. Return Policy & Chargebacks.

All orders are final, no returns or refunds. By subscribing to our service, you agree for your credit card to be charged the indicated amount. If you do not wish to be charged, do not place the order or do not submit via written correspondance (including email) that you wish to be charged on your credit card. If you wish to dispute a charge on your credit card, please contact us first so we may help you resolve the issue. If you do not contact us first and/or directly dispute the charge on your credit card and we win the dispute, we will charge you $100 USD EACH time you dispute the charge and lose the dispute. Please contact us with any inquiries.