You must read and agree to this Disclosure before you can Register
Academy of Financial Literacy, Inc 1. Fees are all inclusive: Internet $17.95 per person or household. This is a flat fee and no other fees are required for certificate delivery or counseling. There are no addition fees required 2. This course is offered to debtor students without regard to debtor students' ability to pay. Fee Waiver Policy: Individuals with household income under 150 percent of the poverty level for a household of that size are presumed to be entitled to a fee waiver. Fee Waiver Disclosure: Academy of Financial Literacy, Inc agrees to waive the respective fees if the debtor student has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) applicable to a family of the size involved in the 48 contiguous states. The income for comparison to the poverty guidelines is the “Total Combined Monthly Income” as reported (or as will be reported) on line 16 of the schedule I of the bankruptcy petition. Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income. The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. The income of any other family member listed on Schedule I as a dependent also is included Academy of Financial Literacy, Inc will email or contact debtor if we feel we must collect financial information. We will email a budget sheet for completion if we feel debtor doesn’t meet these requirements. 3. Limited speak English clients: Students who can’t not understand our counselors because of language are required to use a translator for the required telephone counseling review. 4. Academy of Financial Literacy, Inc sole sources of funding is from payments received from our courses.We also receive funding from sale of course education materials at www.academyoffinancialiteracy.net which is owned and operated by Academy of Financial Literacy, Inc 5. Academy of Financial Literacy, Inc. teachers, instructors will maintain current certification, or proper training and credentials, such as a current teaching certificate, certification, or approved credentials, Academy of Financial Literacy, Inc. trains teachers to have adequate training for all course materials. 6. Taking this course will have no impact on debtor’s credit reports or credit scores. Academy of Financial Literacy, Inc doesn’t disclose any of debtor’s information to credit bureaus. 7. Upon course completion Academy of Financial Literacy, Inc will promptly deliver debtors completion certificate (s) to the email or fax provided on the registration page. Certificates are delivered no later than one business day of course completion. Please contact us if you haven’t received completion within this time frame. Course # 1 credit counseling course is not completed until debtor’s calls for final telephone counseling. 8. Academy of Financial Literacy, Inc does not negotiate on the debtors behalf their debts or a payment plan to their debtors. Academy of Financial Literacy does not offer a Dept Repayment Plan or a Debt Management Plan. Academy of Financial Literacy, Inc may refer debtor clients to another provider that does. Additional fees may incur from other providers that offer these type plans. 9. Academy of Financial Literacy, Inc may disclose debtor’s information to the United States Trustee in connection with the United States Trustee’s oversight of the agency, or during the investigation of complaints, during onsite visits, or during quality of service reviews. 10. The fact that the United States Trustee has reviewed only the agency’s credit counseling services (and, if applicable, its services are a provider of a personal financial management instructional course pursuant to 111 U.S.C 111(d), and the fact that the United States Trustee has neither reviewed nor approve any other services the agency provides to debtors (client’s). 11. Debtors will only receive their completion certificates if the debtors (client’s) complete all required course steps, including the final telephone call for course # 1 12. Academy of Financial Literacy, Inc. does not pay or receive fees or other consideration for referral of debtor students to or by the provider. 13. Individual Filer: I certify that I will provide up to date and accurate information regarding my budget including my income, expenses and debts. I certify that I Personally will complete the counseling session. I understand that knowingly making a false or fraudulent statement or misrepresentation in the completion of the education program is a violation of the requirements of Federal law. 14. Joint Filers:We certify that we will provide up to date and accurate information regarding our budget including our income, expenses and debts. We certify that we will personally complete the counseling. We certify that we are completing this course together and that we are both present.We both understand that knowingly making a false or fraudulent statement or misrepresentation in the completion of the education program is a violation of the requirements of Federal Law. Disruptive Behavior Harassment in any manner or form on this Academy of Financial Literacy, Inc and it's dba's Websites including via email, web blog ("blog";), comments, telephone, submissions, chat, or by use of obscene or abusive language, is strictly forbidden. Impersonation of others, including a Academy of Financial Literacy and it's dba's employees or representatives, as well as other members or visitors on this Academy of Financial Literacy, Inc and dba's Website is prohibited. Academy of Financial Literacy, Inc and it’s dba’s reserve the right to refuse service to anyone. Academy of Financial Literacy, Inc 2105 E. Oakland St. Chandler, AZ 85225 877-833-2867
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