Knowledge Hub+, a learning platform offered via a subscription service at The American College of Financial Services (‘The College’), curates just-in-time insights from sought-after academics, industry innovators, financial planning experts, and practice management leaders into one dynamic experience. Knowledge Hub+ delivers over 60 hours of combined CFP® and College-approved continuing education (CE), with new growth-focused content released monthly. Additionally, Knowledge Hub+ provides the added value of automated reporting of CE credit to the CFP Board and The College's records (the ‘Services’). This feature eliminates administrative headaches, making it easier for members of The College’s Professional Recertification Program and CERTIFIED FINANCIAL PLANNER™ professionals to fulfill their thirty-hour CE requirement every two years.
Please read the following policies carefully before subscribing to Knowledge Hub+ and using The College’s website, tools and services, as these policies are incorporated herein and are applicable to your use of Knowledge Hub+:
- Privacy Policy - https://www.theamericancollege.edu/privacy-policy
- Info Sharing Policy - https://www.theamericancollege.edu/information-sharing-policy
- Terms of Use - https://www.theamericancollege.edu/terms-of-use
- Student Handbook - https://www.theamericancollege.edu/sites/default/files/2024-04/HS_Student_Handbook_2023.pdf
If you do not agree with these policies, you should not subscribe to Knowledge Hub+.
Subscription Registration, Annual Term, Automatic Renewal, Cancellation & Refunds.
By subscribing to Knowledge Hub+, you agree to comply with the following terms and conditions.
Registration
Registration is required for the use of Knowledge Hub+. We will not grant any user access to Knowledge Hub+ unless he or she has completed the necessary registration and paid the applicable fees.
Annual Billing Term
By providing a credit card or other payment method that we accept, you represent and warrant that you are authorized to use the designated payment method.
The College (or our third-party payment processor) is authorized to charge you on an annual basis for your subscription, in addition to any applicable taxes and other charges, for as long as your subscription to Knowledge Hub+ continues.
If the payment method cannot be verified, is invalid or is otherwise not acceptable, your account may be suspended until your payment is processed. You must resolve any problem we encounter to proceed.
The College reserves the right to modify the price of Knowledge Hub+ at our discretion at any time. You will receive notice of any price modification and you have the right to cancel your Knowledge Hub+ subscription at any time.
For more information about pricing, please visit https://www.theamericancollege.edu/knowledge-hub-plus.
Automatic Renewal
Your subscription term begins when you subscribe to Knowledge Hub+ and, unless you cancel your subscription as described below or we suspend or stop providing access to the Services in accordance with these terms, will automatically renew, after the thirty (30) day annual renewal notice is sent, on the date you enrolled annually, at the then-current fees.
Cancellation
You may cancel your subscription at any time by following the steps below:
- Log into My Learning Hub.
- Click the “Manage” button found on “My Subscription.”
- After you complete the two-factor authentication process, click on “Cancel Subscription” found on the “Overview” page.
- Confirm your cancellation.
Cancellations must be completed by the designated account owner or an authorized signatory. Inactivity does not constitute automatic cancellation, so unless you cancel your account in accordance with this section, you will continue to be charged for subscription to Knowledge Hub+.
All cancellation requests will take effect at the end of the then-current annual subscription period in which the cancellation request is made, and you will be responsible for all fees and any applicable taxes and other charges rendered up through the cancellation date.
You will have continued access to Knowledge Hub+ for the remainder of your paid annual subscription period. You must cancel your subscription before it renews to avoid paying the subscription fees for the next annual subscription period.
You acknowledge and agree that, to the extent not prohibited by applicable law, cancellation of your subscription is your sole recourse if you have any dissatisfaction, issue or concern related to Knowledge Hub+, its content or features, including fees, applicable taxes, or billing methods; the selection of content available to you through the Services; the Terms, or any changes thereto; or any other policies or practices that apply to Knowledge Hub+.
No Refunds
TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW, ALL FEES ARE NON-REFUNDABLE.
As described herein, even if you cancel your subscription to Knowledge Hub+ before the end of your annual subscription period, as applicable, you will not receive a refund for any portion of the Fees for the remainder of that subscription period.
If you are currently enrolled in your final course in the CAP®, ChFC®, ChSNC®, CLF®, CLU®, FSCP®, RICP®, or WMCP® Programs, please reconsider subscribing to Knowledge Hub+. Once your designation is conferred, you will be able to enroll in Knowledge Hub+ as a member of The College's Professional Recertification Program without having to pay the annual subscription fee. If you subscribe or renew in Knowledge Hub+ and earn your designation within the yearly subscription period, you are not entitled to a refund. In rare circumstances, we may provide a credit, refund, discount, or other consideration to some or all of our subscribers (“Credits”). The amount and form of such Credits, and the decision to provide them, are at our sole discretion. The provision of Credits in one instance does not entitle you to Credits in the future for similar instances, nor does it obligate us to provide Credits in the future, under any circumstance.
Limited License; Copyright and Trademark.
Knowledge Hub+ and the text, graphics, images, photographs, videos, illustrations, trademarks, trade names, service marks, logos, slogans and other content contained therein (collectively, the “The College Content”) are owned by or licensed to The College and are protected under both United States and foreign laws. Except as explicitly stated in these terms, The College and our licensors reserve all rights in and to Knowledge Hub+ and The College Content.
You are hereby granted a limited, nonexclusive, nontransferable, non-sublicensable, revocable license to access and use Knowledge Hub+ and The College Content for (i) your own personal use. However, such license is subject to these Terms and does not include any right to:
(a) sell, resell or commercially use our Services or The College Content;
(b) copy, reproduce, distribute, publicly perform or publicly display The Collee Content, except as expressly
permitted by us or our licensors;
(c) modify The College Content, remove any proprietary rights notices or markings, or otherwise make any derivative uses of our Services or The College Content;
(d) use any data mining, robots or similar data gathering or extraction methods; and
(e) use our Services or The College Content other than for their intended purposes.
Any use of KnowledgeHub+ or The College Content other than as specifically authorized herein, without our prior written permission, is strictly prohibited and will terminate the license granted herein.
Third Party Content and Services
We may display content, advertisements and promotions from third parties through Knowledge Hub+ (“Third Party Content”). We do not control, endorse or adopt any Third-Party Content, and we make no representations or warranties of any kind regarding such Third-Party Content, including, without limitation, regarding its accuracy or completeness. You acknowledge and agree that your interactions with third parties providing Third Party-Content are solely between you and such third parties, and that The College has no responsibility or liability for any Third-Party Content.
We may also provide you with access to certain services, features or functionality offered by a third party in connection with Knowledge Hub+. Use of any such services, features or functionality will be subject to separate terms of service between you and such third party, and not these Terms. The third party provider, and not The College will be solely responsible for providing you with such services.
Disclaimers
WE DO NOT CONTROL, ENDORSE OR TAKE RESPONSIBILITY FOR ANY THIRD-PARTY CONTENT OR THIRD-PARTY SERVICES MADE AVAILABLE ON OR LINKED TO KNOWLEDGE HUB+. YOUR USE OF KNOWLEDGE HUB+ IS AT YOUR SOLE RISK. KNOWLEDGE HUB+ IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
IN ADDITION, THE COLLEGE DOES NOT REPRESENT OR WARRANT THAT KNOWLEDGE HUB+ IS ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. WHILE THE COLLEGE ATTEMPTS TO MAKE YOUR ACCESS TO AND USE OF KNOWLEDGE HUB+ SAFE, WE CANNOT AND DO NOT REPRESENT OR WARRANT THAT KNOWLEDGE HUB+ OR SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE SERVICES. AS BETWEEN YOU AND THE COLLEGE, YOU WILL BE SOLELY RESPONSIBLE FOR RESPONDING TO AND HONORING ALL REQUESTS RELATING TO THE RIGHTS OF YOUR CONTACTS AND THEIR PERSONAL DATA PURSUANT TO AND IN ACCORDANCE WITH APPLICABLE DATA PROTECTION LAWS.
Changes to these Terms
We may make changes to these Terms from time to time. If we make changes, we will post the amended Terms to our Services and update the “Last Updated” date below. We may also attempt to notify you by sending an email notification to the address associated with your account or providing notice through Knowledge Hub+. Unless we say otherwise in our notice, the amended Terms will be effective immediately and your continued access to and use of Knowledge Hub+ after we provide notice will confirm your acceptance of the changes. If you do not agree to the amended Terms, you must stop accessing and using Knowledge Hub+.
Termination
We reserve the right, without notice and in our sole discretion, to terminate your right to access or use Knowledge Hub+. We are not responsible for any loss or harm related to your inability to access or use Knowledge Hub+.
Last Updated: May 13, 2024.