As a participant in an OnLine Study Group you must agree to the following Terms Of Service:

• To participate in an OnLine Study Group you must have an up-to-date web browser (Netscape or Internet Explorer 6.0 or greater) and an active e-mail account. See Free Web Tools.

• Access to the OnLine Study Group Rooms is password protected and limited to the paid, registered participants for that group. You will be expected to keep your password in a secure and private place. Revealing your password to anyone else will result in the termination of your account.

• You must agree to keep all on-line conversations and discussions with other members of your OnLine Study Group confidential.

• Please respect other participants' choice not to respond to any particular question.

• The registration fee for participating in an OnLine Study Group is based on your annual gross income (before taxes).

If your annual gross income (before taxes) is:
• less than $30,000, the cost is $60 plus the cost of required course meaterials, if you don't already have them.

• $30,000 or more, the cost is $95 plus the cost of required course materials, if you don't already have them.

The required course materials are:

• Your Money or Your Life — $12.00 + s/h
  Save $4.00 off the cover price if ordered when registering for an OnLine Study Group!

• A Study Guide for Groups or Individuals — Free!
  A free PDF you will be able to download after registration is complete!

• Additionally, you may wish to order the optional but highly recommended audio/workbook course, Transforming Your Relationship With Money — $29.95 + s/h
  Save $10.00 off the cover price if ordered when registering for an OnLine Study Group!
• Registration is on a first come, first served basis. Full payment must be received before you are registered as a participant.

• Each OnLine Study Group requires a minimum of 12 participants (plus a Host) and has a maximum of 24 participants (plus a Host). If the minimum number of participants has not registered two days prior to the Start Date of your first Study Group session, you will be notified and given one of the following options:
  • Participation in a future OnLine Study Group.

  • A full refund of participation fees.

• You will be given full access to your OnLine Study Group Room the day of your first scheduled session. The first week of class is designed so that you will have time to become familiar with the operation of the software.

• There is no specific meeting time for each session. The assignments are simply due on the day the next session begins so that you can work at your own pace and schedule, as time allows.

• Once your OnLine Study Group session has started, participation fees are non-refundable.

• These Terms Of Service are subject to change without notice.

If you have read and understand all of the information presented so far and you agree to these Terms Of Service, CONGRATULATIONS!

Click the link below, you are ready to register as a participant in an OnLine Study Group.