World of Money Virtual Youth Financial Education Institute Terms and Conditions PAYMENTS: All fees must be paid prior to the start of the Institute session, unless a payment plan has been agreed to. Students will be withdrawn from the Institute if funds have not been paid in full prior to the start of the Institute, or if at any time a payment is not paid by the due date. No make-up classes will be provided if a session is missed due to a delinquent payment or unexcused absence. NO REFUND: Enrollment or other fees paid for the Institute are non-refundable, non- assignable and non- transferrable. No financial allowance (refund, credit or other) will be made for cancellation, missed days and/or expulsion. BEHAVIOR EXPECTATIONS/CONDITIONS FOR PARTICIPATION: All students and their parents and/or guardians are expected to comply with the Code of Conduct. Failure to comply with the Code of Conduct may lead to an immediate expulsion, termination and/or a prohibition against engagement in future YWCA Metropolitan Chicago programs, activities or events. SPECIAL ACCOMODATIONS: If a student requires a special accommodation to participate, the student, parent and/or guardian must contact World of Money Operations Manager Trish Meade ([email protected]) no less than three weeks prior to the student’s first day of the Institute to discuss requested accommodations. If the student requires assistance of an aide, the aide must be 18 years of age or older. TECHNOLOGY AND SOFTWARE ACCOUNTS: It is your responsibility to ensure that you have the proper hardware and software requirements, along with access to Wi-Fi, to be able to participate in the Institute. YWCA Metropolitan Chicago d/b/a World of Money is not be responsible for any errors or failures in relation to your ability to access the Institute or any related materials, including where such errors or failures are caused by: (i) a loss of connection; (ii) a breakdown or problems with the online software and/or (iii) a breakdown or problems with your internet connection, computer or system. Some activities may require creation and/or use of an online account for the student. Enrollment in the Institute constitutes your agreement to create or consent to have YWCA Metropolitan Chicago d/b/a World of Money create account(s) as needed for your student to participate in Institute activities. Neither YWCA Metropolitan Chicago d/b/a World of Money nor its employees or contractors shall have any liability related to those accounts and/or any other accounts created or owned by students. MEDIA AND WORK PRODUCT RELEASE: As a condition of participation, you authorize World of Money/YWCA Metropolitan Chicago to take photos, videos, images, audio, and testimonials of you and your student and agree that said content may be in promotional materials, marketing collateral, and online media. These images, testimonials, photos, videos, and audio may be shared and used by corporate partners, the media, or other organizations that work with YWCA Metropolitan Chicago d/b/a World of Money. Additionally, all projects and work created by the student may be used in promotional materials, online, and other print media, and may be shared and used by corporate partners, the media, or other organizations that work with YWCA Metropolitan Chicago d/b/a World of Monday. YWCA Metropolitan Chicago d/b/a World of Monday, its owners, agents, partners, facility providers, and employees will not be held liable for damages and injuries associated with use of any content released herein, including any and all claims based on negligence. All images, testimonials, photos, video, and audio created during, taken at or in connection with a World of Money Institute are the sole and exclusive property of YWCA Metropolitan Chicago d/b/a World of Money, and that YWCA Metropolitan Chicago d/b/a World of Money has a royalty-free, perpetual license to use copies of all student work and projects created at an World of Money Institute. DISPUTE RESOLUTION: All disputes arising out of or relating to this Agreement shall be governed and enforced pursuant to the laws of Illinois, without regard to conflicts of law. RIGHTS RESERVED: YWCA Metropolitan Chicago d/b/a World of Money reserves the right to update or modify these Terms and Conditions at any time and to cancel or modify any and all classes, lessons, Institutes or courses for any reason.