1. Payment towards Paid Subscription/Certification Exam: Full payment is due at the time of registering for the paid subscription or applying for a certification exam. Payment can be done through
    1. Credit Card: Currently we accept credit card (accepts all leading credit cards including Visa, Mastercard, Amex etc.) payments made through Paypal or Bank of America payment gateway.
    2. Bank Transfer:
      Bank Name: Bank of America, Frederick, MD, USA
      Type of Account: Current
      Account Name: VMedu Inc
      Account Number: 4460 0519 5480
      Routing Number: 052001633 (paper & electronic) / 026009593 (wires)
    3. For more payment options, email support@smstudy.com
  2. Limitation of Liability: In case of any disputes or perceived failure to provide service as agreed, SMstudy® will only be liable for the amount paid by the student towards the fee paid. SMstudy® will not be liable for any other expenditure or other incidental costs that a student may have incurred. The total value of reimbursement provided to a student by SMstudy.com will not, under any circumstances, exceed the amount that the student has paid for the Membership/Exam.
  3. VMEdu Premium Subscription: VMEdu Premium subscription is a recurring payment plan. For SMstudy students, this is free for the first month and will be charged $35 per month from the second month onwards. VMEdu Premium subscription can be canceled anytime from your PayPal account only before the next payment date. After cancellation, your premium subscription access will be active until your next payment date. You will be charged USD 0.01 towards credit card authentication which will be credited back to your account within 3 working days.
  4. Proprietary use of study material: We will provide you course content, which are proprietary property of SMstudy.com or other parties involved in providing content. Therefore, no part of any course materials may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, or translated into any language, without our prior written consent. Any such activity constitutes a violation of copyright laws. You also represent that you are participating in the SMstudy® certification exams solely and that you have no relationship with any person or company which provides training for non-SMstudy® partners.
  5. Cancellation: Membership/Exam cancellation cost is $ 100 after initial enrollment (if cancelled within 2 days of making the payment to SMstudy.com). Also, no cancellation request is allowed 2 days after the enrollment.
  6. Information about your membership may be provided to co-workers in your company who may ask for reference about our course.
  7. Exam Rescheduling: If a student needs to reschedule his/her proctored certification exam, a rescheduling fee of $50 will be charged.
  8. Non-Solicitation Policy: If you pass any SMstudy® certification Exam, your name will be added to the successful list of the students. However, SMstudy.com will not distribute your personal information to any third party marketing database or disclose the personal details to anyone EXCEPT on a case to case basis after proper verification of the person requesting for the information. Your personal information could be used by us to send you information and promotional messages from SMstudy® about our products, services, and events.
  9. In case of any dispute, VMEdu's decision is final.
  10. VMEdu has the discretion to change the terms and conditions without any prior notice.