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POST https://fkn.financialknowledge.net/login

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  <input type="hidden" name="_token" value="6x8ZvGrlamrQ9zC96lztgnQCkJd0F9M7dYxzo5nx">
  <div class="form-group" style="text-align:left;">
    <label for="email">Email</label>
    <input type="email" name="email" class="form-control" placeholder="Email" id="email">
  </div>
  <div class="form-group" style="text-align:left;">
    <label for="password">Password</label>
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  <button type="submit" class="btn">Sign In</button>
  <p><strong><span style="color:red">If you are currently working from home and need assistance with the registration process, please email us at
        <a href="mailto:programs@financialknowledge.com" target="_blank"><span style="color:red">programs@financialknowledge.com</span></a> and we will be happy to assist you. </span></strong></p>
</form>

Text Content

Contact Us


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Students can register for courses and view their records by logging in on the
left. Benefits administrators can view enrollments and evaluations by logging in
using the form on the right.


STUDENT LOGIN

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If you are currently working from home and need assistance with the registration
process, please email us at programs@financialknowledge.com and we will be happy
to assist you.

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AM I A STUDENT?

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you are logged in, you will have the ability to register for upcoming courses,
obtain CEU credits, and more.


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Conflict Free Policy

Privacy Policy and Data Protection Notice

Website Terms and Conditions

© 2023 FinancialKnowledge. All Rights Reserved.

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 JAN 1, 2022

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 JAN 13, 2021

 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.