Terms and Conditions

The Skilling Institute Association of Members, Participants and Purchasers are subject to the following terms and conditions.

Note: The Terms and Conditions (“Terms and Conditions”) below are in effect for all edskilling.com transactions on or after 14th of July, 2003. The Terms and Conditions set forth below describe the terms and conditions that apply to and govern Your access to and use of the Skilling Institute website and Services (as defined below). Do not use or access the Skilling Institute website or Services if you do not agree to be bound by such Terms and Conditions.

The Skilling Institute Member Service.

A Skilling Institute consumer that is located in the U.S. (the “Member”) may have access and participate through the edskilling.com website (the “Service(s)”). “You” or “Your” may be used to refer to the Member and/or the Participant depending on the context in which it is used.

Member and Participant, warrant and certify to Skilling Institute that its and their use of the Services shall not in any way, directly or indirectly, (a) violate any law, statute, ordinance, contract or regulation, including but not limited to any law, statute, ordinance, contract or regulation relating to any illegal activities, support for terrorist activities, fraud or theft, and/or (b) violate any of the Terms and Conditions of use. When required by applicable law, participation will be reported to federal, state, local or foreign authorities. In addition, Skilling Institute will cooperate with law enforcement in the prosecution of illegal activities to the fullest extent permitted by applicable law. You will be required to provide Skilling Institute with certain information to allow Skilling Institute, among other things: to verify Your identity; to receive appropriate bank card authorization; and to complete transactions. You agree that the information You provide is not false, inaccurate or misleading. Please refer to Skilling Institute Online Privacy Policy for information concerning Skilling Institute’s use of this information. It is important to carefully review the information concerning REFUNDS. Skilling Institute may amend these Terms and Conditions at any time by posting the amended terms on the Skilling Institute website, and all amended terms shall be effective immediately after they are posted to the website.

Fees and Payments.

In consideration for the use of the Service, You agree to pay to Skilling Instittute any and all payment required for fee based Service. Payment for Service initiated by You is at the applicable rate then in effect. The applicable required payment for Your transaction will be provided to You prior to Your final authorization of the transaction, in addition to any applicable fees for additional services.

CURRENCY EXCHANGE. IN ADDITION TO THE TRANSFER FEE, SKILLING INSTITUTE ALSO MAKES MONEY WHEN IT CHANGES YOUR DOLLARS INTO FOREIGN CURRENCY. Payments will generally be in U.S. dollars. If you live outside the U.S. please ask a local bank or financial institution for information concerning the currency exchange rate applicable to your transaction.

Payment, fees and the principal amount are due and payable before Skilling Institute completes the transaction. You must pay for the Service by bank card, cashier’s check, or money order. If Skilling Institute does not receive authorization from the bank card issuer, the transaction will not be processed and transaction will not be completed. Each time You use the Service You agree that Skilling Institute is authorized to charge Your designated bank card account for the principal amount and any other applicable fees or charges. (Your agreement with Your bank card issuer governs use of Your bank card, and You must refer to that agreement to ascertain Your rights and liabilities as a cardholder.


REFUNDS OF PRINCIPAL AMOUNT will be made upon written request of the Member if refund to the Receiver has not yet been made at the time the request is processed by Skilling Institute. Refunds will be made within 90 days of receipt of a valid written request from the Member in accordance with the provisions specified by the Skilling Institute in its, then current, Refund Policy.

Resolution of Disputes.

Any dispute or claim arising from or relating to the Service and/or the Terms and Conditions, including any dispute or claim regarding the applicability of this provision, shall be settled by binding arbitration administered by the National Arbitration Forum (“NAF”) under its Code of Procedure in effect at the time the claim is filed, with such arbitration to be held in the most populous city in the state from which the Service was provided, or in such other location as the parties may mutually agree. Each party shall bear its own attorney’s, expert’s and witness fees, which shall not be considered costs of arbitration. Judgment on any award rendered by the arbitrator may be entered in and enforced by any court having jurisdiction thereof. The parties agree that neither of them shall have the right to participate as a member of any class of claimants pertaining to any claim subject to arbitration under this paragraph and that claims of third parties shall not be joined in any arbitration between the parties. Information may be obtained and claims may be filed at any office of the National Arbitration Forum, www.arbitration-forum.com, or at P.O. Box 50191 , Minneapolis , MN 55405 . The parties acknowledge and agree that this arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C.ß1-16. If any portion of this paragraph is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this paragraph. THE PARTIES ACKNOWLEDGE AND AGREE THAT, EXCEPT AS EXPRESSLY PROVIDED IN THIS PARAGRAPH, THEY ARE WAIVING ALL RIGHTS TO A TRIAL BY COURT OR JURY AS A MEANS OF RESOLVING ANY DISPUTES ARISING OUT OF OR RELATING TO THIS SERVICE.

Limitation of Liability.


Skilling Institute reserves the right to limit the service, or to reject a service request, in its sole discretion. Skilling Institute assumes no obligation to provide the service, or to complete the transaction, if Skilling Institute does not receive authorization from the bank card issuer, or otherwise receive full payment, nor does Skilling Institute assume any liability for damages resulting from non-delivery of the Service or any failure to complete any applicable Service transaction by reason of such lack of authorization. Skilling Institute is not affiliated with or responsible for goods and/or services provided by other merchants and paid for through its Services. Skilling Institute reserves the right to refuse to provide the Services to You, at any time, for any reason deemed necessary to protect Skilling Institute’s interests.


You agree to indemnify, defend and hold harmless Skilling Institute, and all its officers, directors, owners, agents, employees, affiliates, licensors, licensees and third party service providers (collectively, the “Indemnified Parties”) from and against any and all losses, damages, liabilities, and claims and all fees, costs, expenses of any kind related thereto (including, without limitation, reasonable attorneys fees) incurred by the Indemnified Parties in connection with any claim arising out of, based upon or resulting from (i) Your access to and/or use of the Skilling Institute website or Services including, without limitation, Your violation of the Terms and Conditions. Skilling Institute reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You. You shall not in any event settle any matter without the written consent of Skilling Institute.

Electronic Delivery of Future Disclosure.

You agree to accept all subsequent disclosures (including, without limitation, disclosures required under federal or state laws relating to privacy or electronic communications) and other communications between You and Skilling Institute on this website or at the primary email address You provided during registration. You may print and retain a copy of all such disclosures and communications by using Your personal computer and printer. In the event that Your primary email address changes, You must notify Skilling Institute. You may revoke Your consent at any time by contacting customer service and notifying Skilling Institute in writing.

Intellectual Property.

The Skilling Institute website, the Service, the content, and all intellectual property pertaining thereto and contained therein (including but not limited to authors, patents, database rights, trademarks and service marks) are owned by Skilling Institute or third parties, and all right, title and interest therein and thereto shall remain the property of Skilling Institute and/or such other third parties. The Skilling Institute website and Service may be used only for the purpose permitted by these Terms and Conditions. You are authorized solely to view and retain a copy of the pages of the Skilling Institute website for Your own personal, non-commercial use. You agree that you may not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Skilling Institute website, the Service or any portion thereof for any public or commercial use without the express written consent of Skilling Institute. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Skilling Institute website and/or Service; and (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on the Skilling Institute website (or printed pages thereof). The name Skilling Institute and other names and indicia of ownership of Skilling Institute’s Service are the exclusive marks of Skilling Institute or other third parties. Other product, service and company names appearing on the website may be trademarks of their respective owners.

Links to other sites.

The Skilling Institute website may contain links and pointers to other World Wide Web Internet sites and resources (the “Linked Sites”). Links to any Linked Site do not constitute an endorsement by or association with Skilling Institute or any of its affiliates to any third party resources or their contents. Links do not imply that Skilling Institute is affiliated or associated with or is legally authorized to use any trademark, trade name, logo or author symbol displayed in or accessible through the links, or that any Linked Sites are authorized to use any trademark, trade name, logo or author symbol of Skilling Institute or any of its affiliates. You should direct any concerns regarding any Linked Site to such Linked Site’s site administrator or webmaster. Skilling Institute does not represent or endorse the accuracy or reliability of , and expressly disclaims, any advice, opinion, statement, or other information displayed or distributed through any Linked Site. You agree that reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at your sole risk.


These Terms and Conditions, together with all other items incorporated herein by reference, embody the entire agreement and understanding between You and Skilling Institute and supercede all prior agreements or understandings You have with Skilling Institute. Skilling Institute has the right to assign these Terms and Conditions to a subsidiary or affiliate company, or any third party, at any time without Your consent. You may not assign or transfer these Terms and Conditions without Skilling Institute’s prior written consent. If any one or more of these Terms and Conditions shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable. Your access to and use of the Skilling Institute website and Service is governed by Arizona and/or Nevada law, without regard to its rules regarding conflicts of law. The Skilling Institute website and Service are directed to persons age 18 and over residing in the United States . The Skilling Institute website and Service are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. In the event that there is any inconsistency between the English version of the edskilling.com website and the Spanish version, the English version shall be binding.

For consumer inquiries or comments in English, please write to: SKILLING INSTITUTE ADMINISTRATION SERVICES

4340 E Indian School, #21, Phoenix, Arizona 85018

For consumer inquiries or comments in Spanish, please write to: SKILLING INSTITUTE INTERNATIONAL SERVICES

4340 E Indian School, #21, Phoenix, Arizona 85018


1-877-777-4788 (English)

Skilling Institute may amend these Terms and Conditions at any time by posting the amended terms on the Skilling Institute website, and all amended terms shall be effective immediately after they are posted to the website.