E-Course Terms and Conditions Agreement
E-Course Policy
To access the online e-courses, you must attest that you have read and agree to the terms and conditions contained in this E-Course Terms and Conditions Agreement. The term “course” includes the e-course Web pages, courses, and all associated materials. Read this E-Course
Terms and Conditions Agreement carefully.
Use of E-Course Materials
All e-courses and materials, along with references used in or related to the e-courses, are the property of the SOA or of third parties and used under permission granted to the SOA and may only be used in the manner detailed in this E-Course Terms and Conditions Agreement.
Permission to use the material in any other way must be obtained in writing from the SOA and/or the publisher or author of the material. These materials are for the sole use of individuals registered for the e-course or others as approved by the SOA.
As an e-course registrant, you may view and read all materials that are part of the e-course facility. You may also print any or all screen and pdf file pages for your personal use in taking the e-course, but you may not share, communicate, publish or in any manner distribute to other parties the e-course, login and password, readings, references, links or any other materials.
The terms and conditions regarding the the use of materials apply upon registration for the course, while you are taking the e-course, and upon and after completing, withdrawing from, or terminating the e-course.
E-Course Access
Only e-learning and professional development e-course registrants have access to the discussion forums.
Refunds for E-Courses
You may withdraw from an e-course at any time. However, once you are registered and have logged in to the course, you will not receive a refund for any reason.
Effective Period
The e-courses are designed to be completed within a period of 6 months. Registrants have access to each e-course one year from the date of purchase.

Complaints about a breach of Participation Rules, Terms and Conditions
Complaints about a breach of these Participation Rules and/or this E-Course Terms and
Conditions Agreement should be made by e-mail to admin@mastersrelation.com.
Responsibility for Loss
You are responsible for and will indemnify and hold the SOA harmless from and against any and all liability, claims and losses resulting from your actions in connection with taking the e-courses and your breach of any terms and conditions of this E-Course Terms and Conditions Agreement.
General Disclaimer and SOA Rights
Reference materials and links provided in the e-courses are provided by the SOA. The SOA does not assume responsibility or liability for the accuracy or completeness of content contained in reference materials or links. The SOA does not endorse any product, service or organization referenced. The opinions expressed in pieces such as “Ask the Expert”.
“Thought Questions” included in the e-courses are solely the opinions of the contributors and do not represent the opinions of the SOA, its officers, directors, staff, representatives, and/or its affiliates.
Attestation
The SOA will deny access to this e-course to any individual who does not agree to the terms and
conditions contained in this E-Course Terms and Conditions Agreement. Further, the SOA reserves the right to terminate access to any individual who does not abide by these terms and conditions.
Disciplinary Action
Registrants are deemed and presumed to be aware of and familiar with this E-Course Terms and Conditions Agreement. Any SOA member, candidate or individual who is found to be violating, assisting or attempting to assist anyone in violating these Terms and Conditions is subject to the
Actuarial Board for Counseling and Discipline (ABCD) regulations and/or any action the SOA is authorized to take, including disciplinary action. E-Course Management System Access  You agree that you will not use any robot, spider or other device, process or means to access the
Society of Actuaries e-courses Nor shall you use any process to monitor or copy our Web pages or the content contained thereon or for any other unauthorized purpose without our prior expressed written permission. You agree that you will not compromise or circumvent the security controls of the SOA e-courses or otherwise gain unauthorized access to SOA e-courses. You agree that you will not use any device, software or routine that interferes with the proper working of the Society of Actuaries e-courses nor shall you attempt to interfere with the proper working of the Society of Actuaries e-courses. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. You agree that you will not copy, reproduce, alter, modify, create derivative works or publicly display any content from the
Society of Actuaries e-courses without the prior expressed written permission of the Society of Actuaries.