Our school policies protect you and make it easy to start & finish
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Responsibility of the Student
The onus is on the student to complete courses on time and contact us as soon as possible if there is a problem with product or service, or if they require assistance from our instructors. Such assistance is provided, within reason, at the discretion of the instructor, at no extra charge to the student. In addition the student is responsible for reading any updates to the courseware on the student website and in the free subscription to the electronic Knowledge Bureau Report.
Standards of Conduct
Designates are granted the permission to use Knowledge Bureau’s Certification Marks behind their name, on their business cards and letterhead. This license for use must be renewed annually by the Standards of Conduct, specified in the link: Standards of Conduct
If, at the discretion of the instructor, the student is unable to continue the self-study program due to the volume of student support questions required for course completion, it will be recommended that tutoring be provided at a charge of $195 per hour, with minimum ½ hour increments.
Course Completion Obligations
Students are required to complete one course every four months and maximum designation program completion time is 2 years. Note certain programming may have shorter time frames, (i.e. FastTrack); in addition, we may have custom arrangements for course completion with Private Clients of Knowledge Bureau.
Testing and Passing Mark
A minimum 60% is required in every course, tests are open-book in nature. Pass mark for FastTrack Exemption exams is 80%.
Students of regular online courses (30 hours) may request extensions at the end of each study period. Extensions may be purchased at a cost of $99.00 for each extension of 1 month.
Our rewrite policy is discussed in greater detail in our courses. One rewrite attempt will be allowed within a month of unsuccessful testing. Rewrite fees are $195 per exam.
Self-study students may begin their program at any time, all year long, and enrol risk free with our Money Back Guarantee: we offer a free trial for the first chapter in your first courses which allows you to determine whether the program is for you. After this, you are considered to have enrolled in the program and there are no refunds. Students may make a switch out of one course for another at no charge if the course is unsuitable (too easy, too hard, wrong topic, etc.). See Refund & Complaint Resolution Policies.
Personal Consultation, Instructor, Orientation or Group Study Start
Knowledge Bureau self study courses allow you to develop your own course work plan. Your registration includes access to a Personal Educational Consultant, who will provide a personal orientation tour when you start your program, and introduce you to your online access to your instructor through your exclusive access to your online learning environment.
Your individual course orientation will be scheduled at your convenience, or you can join a national group study, in which all team members from one office start at the same time in the same course. Please see Programs and courses - Registration and tuition for additional details.
EZ-Pay Instalment Plans
Please call our registrar toll free at 1-866-953-4769 to arrange a monthly instalment plan, or follow the online instructions.
NOTE: Instalment plans are based on a 4 month per course work plan. If your course work plan is accelerated, you may be required to make additional payments before the release of the next course in your program. Payment plans may be revoked if your payments fall in arrears and your instalment privilege fee will be withheld. In addition you may be charged additional fees as described under NSF Fees.
Money Back Guarantee & Refund Policies
We invite you to Enrol Risk Free in self-study programs, to be sure you have made the right decision for your time and money. We also invite you to prepare a Goal Chart on our website or to discuss this and your needs with a phone appointment with our highly training Educational Consultants. Eligible withdrawals may require adjustments to fee schedules for penalty provisions and volume discounts before refunds are issued, as fee structures may vary throughout the year, depending on when a student begins, with early registration fee reductions available according to sessional enrolment dates, or when students enrol in group study sessions. Here are the refund policies:
Single Courses: If you are not satisfied upon review of your self-study certificate course, Chapter 1, your money is refunded — no questions asked — provided you contact us within one week of course registration. If you received any hard copy material, return those materials at your cost in saleable condition within that week.
Unsaleable materials will not be refunded. If you complete the quizzes or case studies beyond the first chapter in your course, you will no longer be eligible for a refund. You have 4 months to complete each course. After this you may request an extension. If you do not start at all, you are considered to have purchased and used the course materials for the entire enrolment period or any part thereof.
Diploma/Designation Programs: You have 1 year to complete a diploma program; 2 years to complete a designation program, but you can do so sooner.
You must complete your first course in your diploma/designation program for consideration to withdraw. You may withdraw from the program within four months. There will be no refunds after this; that is, you are committed to taking the diploma or designation program unless there is a hardship (see below).
Any refunds are subject to an administrative charge of $195.00 per course. All multiple course discounts will be forfeited. Students who pay by instalment also forfeit their finance fees. Administrative charges can be applied to future course purchases within one year of withdrawal.
Hardship Policy. In the case of severe hardship, including illness of the student, illness of a family member or death of a family member, provide a letter to the Registrar outlining reasons for the request from a medical practitioner.
Two options are available:
1.Course completion deadlines are extended based on mutual discussion of a reasonable restart date within one year of enrolment. If the period must exceed 1 year, students may be required to re-purchase updated course materials at the lowest price point at that time.
2.Withdrawals. There are no withdrawals or refunds allowed after 4 months in the case of a regular program; one year in the case of hardship. Any charges incurred due to this policy may be applied in full to future enrolments.
A $45 fee will be assessed on each NSF or declined charge card payment. NSF fees will be waived by paying the balance of tuition owing in full by credit card. Note: 3 instances of default will result in expulsion from your program with re-initiation possible on receipt of all outstanding amounts plus an extension fee of $99.
Registration, Certification and Cancellation
Included in the registration fee for the Distinguished Advisor Workshop (DAW) is the cost of CE accreditation and certification, at the workshop and reference resources.
CE accreditation and certification credit hours are determined by attendance. DAW is accredited by Knowledge Bureau and most provincial insurance councils, and qualifies for CE credit by most provincial accounting organizations.
Workshop registration fees are non-refundable, except in the case of severe hardship, where a 30% cancellation fee will apply. Penalty fees may be applied for full credit to any other Knowledge Bureau program for a period of one year.
Payment: VISA or MasterCard are the preferred methods of payment. If paying by cheque, please post-date cheques accordingly and submit to Knowledge Bureau, 187 St. Mary's Road, Winnipeg, MB, R2H 1J2
Please recommend a friend. When you provide contact information to Knowledge Bureau, we will send you a $25 thank you gift.
Registration, Accreditation and Cancellation
INCLUDED IN REGISTRATION FEES: Included in the registration fee for the conference is attendance for 3 days of sessions, outlined in the official DAC agenda for one delegate, plus: cost of CE/CPD accreditation and certification, provided the evaluation/testing forms provided at the event are submitted. Also included is attendance at opening reception & group dinner, hot breakfasts, mimosa breaks. Delegates will have access to content/reference resources, which may include reference journals and access to online materials. Spouses who work in the business with advisors must register in full as a delegate, but will receive preferred client rates for full program accreditation. Spouses who do not work in the business must register in the Spousal Program, which entitles the non-working spouse to attendance at all the sessions, as well as breakfasts, mimosa breaks and the evening group events. There will be no accreditation and certification in those cases and no splitting of the spousal fees for any one aspect of the DAC. Under no circumstances will non-working spouses be allowed access at any of the networking events without registration in the Spousal Program.
CE/CPD Accreditation and Certification. CE/CPD credit hours are determined by attendance at the events. It is required that evaluation summations are completed and signed for these purposes. Failure to submit may result in disqualification from certification from these accreditors: Knowledge Bureau, as required for continuation of MFA™ and DFA-Specialist™ licensing, most provincial insurance councils, the FPSC, various accounting organizations. Depending on the needs of the audience, Knowledge Bureau may also apply for pre-accreditation from certain professional organizations such as IIROC. Generally one hour per hour of instruction is granted as a general rule.
NOT INCLUDED. The following is not covered in the DAC registration fee: the cost of flights, ground transportation, hotel rooms, internet access (unless included by the hotel in the cost of accommodation), entertainment other than as described in the official DAC agenda, tips, porters, parking, personal injury or loss/liability of any kind, including sickness or cancellation insurance, any loss due to uninsured sickness or accident or death, and any other optional activities which may have been planned for the group such as golfing, spas, tours or group evening or meal events, and any meals outside of the official DAC conference-specified agenda. Knowledge Bureau, its owners, speakers, employees, subcontractors or any member of the organizational team cannot take any responsibility for any personal injury, affliction, accident, or financial consequences due to attendance at the DAC event whatsoever and attendees are herewith notified thereof. Please protect yourself accordingly using appropriate insurance, and risk management measures.
Group Rates: Companies often send teams of people to the DAC. These teams qualify for our preferred rates. An additional group rate is achieved after the first 10 registrants are enrolled and paid. Best rates can be received for the group with this minimum enrolment by the deadline dates on the conference application forms. Spousal fees are extra.
Hotel Rates and Length of Stay. The conference anchor hotel has offered preferred room rates for the group on conference days, which are booked and paid for directly with Knowledge Bureau and will be awarded on a first-come, first-served basis. Please indicate your preferred length of stay on the DAC Conference Registration Form. Rooms are also usually available at the group rate 3 days before and after the conference dates based on availability. Please call Knowledge Bureau to discuss your needs and submit completed registration form with credit card information to secure hotel rooms, which Knowledge Bureau will do on your behalf. All attendees participating in DAC must submit credit cards and application forms, including speakers, sponsors, employees, award winners, etc.
While Knowledge Bureau endeavours to negotiate favourable group rates for your stay, on occasion it may be possible to find a lower rate on the internet. In such a case we suggest that you go ahead with your online booking, however please be aware that we often negotiate “all in pricing” which you may not be receiving online and we cannot be responsible for your reservation and any room changes, extensions or over bookings that may occur.
Special Diets. We try to accommodate special food requests, but those highly allergic to most foods normally served or those with very limited diets must make own food arrangements.
Complimentary Registrations: Those who receive waived or reduced conference registration fees as special guests of Knowledge Bureau must provide a credit card number for hotel costs in advance and no later than June 30. They will be charged at that time for all hotel and pre-arranged meal costs amounting to 30% of the delegate and spousal registration fees based on June 30 early registration pricing for preferred clients. This 30% fee is only refundable at the end of the three day event; it is not refundable for no-shows. Attendance of special guests is limited to spaces available and allocated on a first come, first served basis. We may not be able to guarantee rooms at the conference hotel rates.
Refunds – Registration Fees. Conference registration and spousal program fees are non-refundable, except in the case of severe hardship, where a 25% non-refundable cancellation fee will apply based on the registration fee the attendee qualified for at that time of registration. In addition, there is a 30% fee to cover the cost of all pre-arranged meals, entertainment and service fees.
Refunds – Hotel. Hotel rooms refunds may be possible until October 31, should the hotel agree to provide this; if not, a 30% hotel room cancellation fee will be applied in these cases to cover service fees incurred by DAC organizers to negotiate this. This includes registrations of any attendees under the “three free room night” onsite offer.
Penalty Credits. Any penalty or cancellation fees may be applied for full credit to any other Knowledge Bureau program for a period of one year from date of cancellation
Payment: Knowledge Bureau will take your payment information upon receipt of the registration form, and fees will be deducted as follows:
- full registration fees upon registration, (instalment plans however are available)
- 100% of hotel fees (including taxes) on September 30th
Registrations after September 30: 100% of registration and hotel room fees are payable.
VISA, MasterCard or Amex are the preferred methods of payment. If paying by cheque, please post-date cheques accordingly and submit Knowledge Bureau, 187 St. Mary’s Road, Winnipeg, MB R2H 1J2. There is a $45 charge for any NSF cheque or declined credit card.
Currency: Note that registration fees paid are in Canadian Funds for Canadian attendees. The same fee amounts are paid in US funds by US attendees. Hotel room costs, which are all inclusive of taxes and any event management fees, will be paid in US dollars at the time of payment (September 30). A 2% banking service charge, is applied.
Exchange rate fees. After that date, aside from the currency differential, Knowledge Bureau will charge a minimum 2% exchange rate fee to cover the charges we incur to convert Canadian to US currencies.
Incentive Plans: Free hotel room nights may be offered in two instances: (1) to attendees who register and pay on site at the DAC for next year’s event and (2) upon recommendation of a friend, as available and at the complete discretion of Knowledge Bureau. In the latter instance, send referral contact information to Registrar at Knowledge Bureau, 1-866-953-4769. When your friend registers as a new delegate with full payment, we will provide you with one free hotel room night. This offer is for new registrants only and extends to a maximum of three recommendations: three hotel room nights. However, note our cancellation policies above.
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©Knowledge Bureau, Inc. The contents of this work are copyright protected; all rights are reserved. No part of this work—print, audio or online— INCLUDING charts, data, logos, art, videos, design, architecture, articles, quotes—may be reproduced or transmitted in any form or by any means, or stored in a data base and retrieval system, without prior written consent from Knowledge Bureau, Inc. Website users are granted only a limited license to access or download any information for personal use, provided the content is not modified and all proprietary notices and references are intact. (See Required Acknowledgements, Required Notification of Use and Licensors, below). Under no circumstances may any content or derivative thereof be used for any other use, including commercial use nor may it be merged, distributed, modified or incorporated in whole or part without permission from Knowledge Bureau, Inc.
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In managing, developing and distributing intellectual property, the philosophy of The Knowledge Bureau is that it interprets the news as it relates to wealth and health management issues and provides perspective under a framework called Real Wealth Management© . It does not provide advice. It is also not a platform for any other company and does not associate itself with individuals who wish to use Knowledge Bureau, Inc. as a platform to sell other products or services from which they benefit financially, unless they are prepared to make full disclosure. The Knowledge Bureau has the following expectations of its speakers, instructors, associates, authors, and lecturers:
Advice. They will not provide advice unless they are appropriately registered and licensed, and appropriately qualified to do so. We expect that our associates will and have made themselves aware what type of advice is under jurisdiction of regulators.
Transparency. We expect our associates to make full disclosures of any compensatory relationship (monetary or otherwise) with the company that hires them or pays them consulting or other fees or commissions. They are required to state how they will benefit if the audience is being invited to consider and/or buy a product from a company with which the speaker has a compensatory relationship, including receipt of consulting fees, commissions or trailer or any beneficial ownership.
Based on these written policies and our stated and expected conduct of our speakers and instructors, neither Knowledge Bureau nor any of our employees can take responsibility for the results of any actions taken by any persons that may have adverse financial consequences.
THE PUBLISHER (Knowledge Bureau) allows single user access to the components of its self study programs of studies with a valid paid registration in the program for the time frames allowed within the program of studies—which are limited to a maximum of six months per course, (subject to change at Knowledge Bureau’s discretion) and this includes use of the online portion of the program, and all accompanying Knowledge Net Tools.
1. Continuous Improvement Philosophy: At Knowledge Bureau, we always try to enhance our relationship with all our students by investing in a Continuous Improvement and “EverGreening” philosophy to content development and student services. We invite you to share in this philosophy by helping us to continuously improve and update.
Continuous Improvement: When we become aware of errors, omissions or other improvements required we fix those errors and omissions either by personal contact, in the course materials, through use of email and/or our Knowledge Bureau Report, depending upon the urgency and breadth of the matter. We also include clarifications and improvements to Guidance provided for students as required.
EverGreening: As change happens continuously in the tax and financial services Knowledge Bureau is committed to keeping its students up-to-date with a world class research library: EverGreen Explanatory Notes, which is updated weekly, Knowledge Bureau Report which is a complimentary e-newsletter service provided directly to students, through course updates, revisions and new course development. Please see our disclaimer policies in the courseware and on our website. They set out limitations regarding our content and authorship.
2. Dissatisfaction during course of study period: We work with the student to fix the problem to the best of our ability and resources so the student can complete their studies successfully. The student has paid for access to student support as part of the tuition fees for a defined period of time. In cases where the student has not contacted us for help along the way, or has not started the program within the study time allotted time for it, it is considered that the student has used the materials for personal use and there is no further action. As such, there are no refunds.
3. Dissatisfied on completion of programs: As per #1 & 2, our mandate is to help students successfully complete their programs. We identify the issues, determine whether courses/materials need adjustments, if there is a legitimate problem with the product or service, make corrections, and teach to the issues. There are no refunds for convenience or failure to start.
4. Expressing our gratitude. We sincerely appreciate your help in our ongoing pursuit of excellence. Where a student has helped us identify areas of improvement or required change we may consider giving thanks with a financial credit toward the cost of a future course. The publisher’s decision on this is final and any credits/awards issued may not exceed tuition fees paid.