Terms of Use

Agreement Between You and Ruveneco Inc.

RUVENECO INC. Web Site is made up of various Web sites and Web pages operated by RUVENECO Inc., or its affiliates (collectively, the "RUVENECO INC. Web Sites"). This Terms of Use applies to the RUVENECO INC. Web Site and does not apply to the content of third parties.

The RUVENECO INC. Web Sites are offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the RUVENECO INC. Web Sites constitutes your agreement to all such terms, conditions, and notices.

Privacy and Protection of Personal Information

See the Privacy Policy for disclosures relating to the collection and use of your personal information.

Member Account, Password, and Security

If a particular RUVENECO INC. Web Site, or any product or service offered on any RUVENECO INC. Web Site (each a RUVENECO INC. Site/Service, and collectively RUVENECO INC. Sites/Services) requires you to open an account and/or register, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form. You then will choose a password and a user name. You are entirely responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify RUVENECO Inc. immediately of any unauthorized use of your account or any other breach of security. RUVENECO Inc. will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by RUVENECO Inc. or another party due to someone else using your account or password. You may not use anyone elses account at any time, without the permission of the account holder and RUVENECO INC.

Modification of These Terms of Use

RUVENECO Inc. reserves the right to change the terms, conditions, and notices under which the RUVENECO INC. Sites/Services are offered, including but not limited to the charges associated with the use of the RUVENECO INC. Sites/Services. You are responsible for regularly reviewing these terms and conditions and additional terms posted on particular websites. Your continued use of the RUVENECO INC. Sites/Services constitutes your agreement to all such terms, conditions, and notices.

Personal and Non-Commercial Use Limitation

The RUVENECO INC. Sites/Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the RUVENECO INC. Sites/Services.

Links to Third Party Sites or Programs

The RUVENECO INC. Sites/Services may contain links to third party Web sites/programs ("Linked Sites/Programs"). The Linked Sites/Services are not under the control of RUVENECO Inc. and RUVENECO Inc. is not responsible for the contents of any Linked Site/Program, including without limitation any link contained in a Linked Site/Program, or any changes or updates to a Linked Site/Program. RUVENECO Inc. is not responsible for webcasting or any other form of transmission received from any Linked Site/Program nor is RUVENECO Inc. responsible if the Linked Site/Program is not working appropriately. RUVENECO Inc. is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by RUVENECO Inc. of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites/Programs.

Any dealings with third parties (including advertisers) included within the RUVENECO INC. Sites/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. RUVENECO Inc. shall not be responsible or liable for any part of any such dealings or promotions.

No Unlawful or Prohibited Use

As a condition of your use of the RUVENECO INC. Sites/Services, you will not use the RUVENECO INC. Sites/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the RUVENECO INC. Sites/Services in any manner that could damage, disable, overburden, or impair any RUVENECO INC. Site/Service(s) (or the network(s) connected to any RUVENECO INC. Site/Service(s)) or interfere with any other party's use and enjoyment of any RUVENECO INC. Site/Service(s). You may not attempt to gain unauthorized access to any RUVENECO INC. Site/Service, other accounts, computer systems or networks connected to any RUVENECO INC. Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the RUVENECO INC. Sites/Services.

Use of Services

The RUVENECO INC. Sites/Services may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, calendars, and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Use the Communication Service in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).
• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information.
• Publish, post, upload, distribute or disseminate any topic, name, material or information that incites discrimination, hate or violence towards one person or a group because of their belonging to a race, a religion or a nation, or that insults the victims of crimes against humanity by contesting the existence of those crimes.
• Upload, or otherwise make available, files that contain images, photographs, software or other material protected by intellectual property laws, including, by way of example, and not as limitation, copyright or trademark laws (or by rights of privacy or publicity) unless you own or control the rights thereto or have received all necessary consents to do the same.
• Use any material or information, including images or photographs, which is made available through the RUVENECO INC. Sites/Services in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party.
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.
• Advertise or offer to sell or buy any goods or services for any business purpose.
• Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
• Restrict or inhibit any other user from using and enjoying the Communication Services.
• Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
• Harvest or otherwise collect information about others, including e-mail addresses.
• Violate any applicable laws or regulations.
• Create a false identity for the purpose of misleading others.
• Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of users of an RUVENECO INC. Site/Service(s) or other user or usage information or any portion thereof.

RUVENECO Inc. has no obligation to monitor the Communication Services. However, RUVENECO Inc. reserves the right to review materials posted to a Communication Service and to remove any materials at its sole discretion. RUVENECO Inc. reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever.

RUVENECO Inc. reserves the right at all times to disclose any information as RUVENECO Inc. deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, at RUVENECO Inc.'s sole discretion.

Always use caution when giving out any personally identifiable information about yourself or your family/friends in any Communication Service. RUVENECO Inc. does not control or endorse the content, messages or information found in any Communication Service and, therefore, RUVENECO Inc. specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized RUVENECO Inc. spokespersons, and their views do not necessarily reflect those of RUVENECO Inc.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination; you are responsible for adhering to such limitations if you download the materials.

Materials Provided to Ruveneco Inc. or posted at any Ruveneco Inc. website

RUVENECO Inc. does not claim ownership of the materials you provide to RUVENECO Inc. (including feedback and suggestions) or post, upload, input or submit to any RUVENECO INC. Site/Service or its associated services for review by the general public, or by the members of any public or private community, (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting ("Posting") your Submission you are granting RUVENECO Inc permission to use your Submission in connection with the operation of their Internet businesses (including, without limitation, all RUVENECO INC. Sites/Services), including, without limitation, the license rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; to publish your name in connection with your Submission; and the right to sublicense such rights to any supplier of a RUVENECO INC. Site/Service.

No compensation will be paid with respect to the use of your Submission, as provided herein. RUVENECO Inc. is under no obligation to post or use any Submission you may provide and RUVENECO Inc. may remove any Submission at any time in its sole discretion.

By Posting a Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in these Terms of Use including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

Software and Content Available Through the Ruveneco Inc. Sites/Services

All content and software that is made available to view and/or download in connection with the RUVENECO INC. Sites/Services, excluding content and/or software that may be made available by end-users through a Communication Service, ("Software") is owned by and is the copyrighted work of RUVENECO Inc. and/or its suppliers and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

For any Software not accompanied by a license agreement, RUVENECO Inc. hereby grants to you, the user, a revocable personal, non-transferable license to use the Software for viewing and otherwise using the particular RUVENECO INC. Site/Service in accordance with these Terms of Use, and for no other purpose provided that you keep intact all copyright and other proprietary notices. Any reproduction or redistribution of the content and/or Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE CONTENT OR SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. You acknowledge that the Software, and any accompanying documentation and/or technical information, is subject to applicable export control laws and regulations of the USA and Canada. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to USA and Canadian export restrictions.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE RUVENECO INC. SITES/SERVICES MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE RUVENECO INC. SITES/SERVICES AND TO THE INFORMATION THEREIN. RUVENECO INC. AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE RUVENECO INC. SITES/SERVICES AT ANY TIME. ADVICE RECEIVED VIA THE RUVENECO INC. SITES/SERVICES SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

RUVENECO INC. AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, LACK OF VIRUSES OR OTHER HARMFUL COMPONENTS AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED WITHIN THE RUVENECO INC. SITES/SERVICES FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. RUVENECO INC. AND/OR ITS RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, TITLE AND NON-INFRINGEMENT. YOU SPECIFICALLY AGREE THAT RUVENECO INC. SHALL NOT BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY MATERIAL OR DATA SENT OR RECEIVED OR NOT SENT OR RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH AN RUVENECO INC. SITE/SERVICE. YOU SPECIFICALLY AGREE THAT RUVENECO INC. IS NOT RESPONSIBLE OR LIABLE FOR ANY THREATENING, DEFAMATORY, OBSCENE, OFFENSIVE OR ILLEGAL CONTENT OR CONDUCT OF ANY OTHER PARTY OR ANY INFRINGEMENT OF ANOTHER'S RIGHTS, INCLUDING INTELLECTUAL PROPERTY RIGHTS. YOU SPECIFICALLY AGREE THAT RUVENECO INC. IS NOT RESPONSIBLE FOR ANY CONTENT SENT USING AND/OR INCLUDED IN A RUVENECO INC. SITE/SERVICE BY ANY THIRD PARTY. IN NO EVENT SHALL RUVENECO INC. AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE RUVENECO INC. SITES/SERVICES, WITH THE DELAY OR INABILITY TO USE THE RUVENECO INC. SITES/SERVICES OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE RUVENECO INC. SITES/SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE RUVENECO INC. SITES/SERVICES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF RUVENECO INC. OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/PROVINCES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE RUVENECO INC. SITES/SERVICES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE RUVENECO INC. SITES/SERVICES.

Storage Space and Other Limitations

You agree that RUVENECO Inc. may establish limits concerning use of any RUVENECO INC. Service offered on a RUVENECO INC. Web Site, including without limitation the maximum number of days that messages will be retained by any RUVENECO INC. Service, the maximum disk space that will be allotted on RUVENECO Inc.'s servers on your behalf, and the maximum number of times and duration you may access any RUVENECO INC. Service in a given period of time.

You agree that RUVENECO Inc. has no responsibility or liability for the deletion, corruption or failure to store any messages or other content maintained or transmitted by any RUVENECO INC. Service. RUVENECO INC. MAKES NO WARRANTY THAT ANY RUVENECO INC. SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE.

Termination/Access Restriction/Video CD-ROMs

RUVENECO Inc. reserves the right, in its sole discretion, to terminate your access to any or all RUVENECO INC. Sites/Services and the related services or any portion thereof at any time, without notice. The amount of funds to be refunded, if any, is at the sole discretion of RUVENECO INC. RUVENECO Inc. shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

Access to RUVENECO Inc's online programs are structured with the first day defined as the day of registration and months calculated as calendar months. When you login you will be provided information regarding the status of your account. Unless you renew your account, after the 6 month period access to the relevant RUVENECO INC. Site(s)/Service(s) is terminated.

Use of any video CD-ROMs produced by RUVENECO INC. is designed to be in conjunction with RUVENECO INC. Site(s)/Service(s) and thus online access is required.

No Spam; Damages

RUVENECO Inc. will immediately terminate any account which it believes, in its sole discretion, is transmitting or is otherwise connected with any spam or other unsolicited bulk email. In addition, because damages are often difficult to quantify, if actual damages cannot be reasonably calculated then you agree to pay RUVENECO Inc. liquidated damages of $10 US for each piece of spam or unsolicited bulk email transmitted from or otherwise connected with your account, otherwise you agree to pay RUVENECO Inc.'s actual damages, to the extent such actual damages can be reasonably calculated.

General

This agreement is governed by the laws of the Province of Quebec, Canada. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in Montreal, Quebec, Canada in all disputes arising out of or relating to the use of the RUVENECO INC. Sites/Services. You agree that no joint venture, partnership, employment, or agency relationship exists between you and RUVENECO Inc. as a result of this agreement or use of the RUVENECO INC. Sites/Services. You agree to indemnify and hold RUVENECO Inc., its parents, subsidiaries, affiliates, officers and employees, harmless from any claim, demand, or damage, including reasonable attorneys' fees, asserted by any third party due to or arising out of your use of or conduct on the RUVENECO INC. Sites/Services. RUVENECO Inc. reserves the right to disclose any personal information about you or your use of the RUVENECO INC. Sites/Services, including its contents, without your prior permission if RUVENECO Inc. has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of RUVENECO Inc. or its affiliated companies; (3) enforce the terms or use; or (4) act to protect the interests of its members or others. RUVENECO Inc.'s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of RUVENECO Inc.'s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the RUVENECO INC. Sites/Services or information provided to or gathered by RUVENECO Inc. with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and RUVENECO Inc. with respect to the RUVENECO INC. Sites/Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and RUVENECO Inc. with respect to the RUVENECO INC. Sites/Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Copyright and Trademark Notices

RUVENECO INC. is neither associated nor affiliated with those who produce the Medical College Admission Test (MCAT), the Association of American Medical Colleges (AAMC). MCAT is a registered service mark of the AAMC.

All contents of the RUVENECO INC. Web Sites are: Copyright (c) 1993-2019 RUVENECO Inc. and/or its suppliers. All rights reserved.

TRADEMARKS/SERVICE MARKS. RUVENECO Inc., The only prep you need, The Gold Standard, The Platinum Program and/or other RUVENECO Inc. products and services referenced herein may also be either trademarks/service marks or registered trademarks/service marks of RUVENECO Inc. The names of actual companies and products mentioned herein may be the trademarks/service marks of their respective owners.

Any rights not expressly granted herein are reserved.

MCAT-prep.com: The only prep you need

The expression The only prep you need specifically refers to students who dedicate themselves to MCAT exam preparation after having a basic college education including the basic sciences and register and fully participate in our Platinum Program which includes interactive programs, chat rooms, live online teaching, audio MP3s, online and paper exams, message boards, comprehensive review books, flashcards and DVDs.

Fees; Payment

RUVENECO Inc. reserves the right to alter any and all fees from time to time, without notice. Check the Fee Schedule for any updated fee information each time you use the Services.

You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of the use of the Services. Refunds are not available. If for any reason you are not satisfied with your results, your sole remedy is to repeat the course once for an administrative fee. Of course, you will not receive a second set of course materials.

This Payments policy describes the way in which we process payments and the basis for any refunds that may be paid to you by RUVENECO Inc. for products and services you purchase through RUVENECO Inc. Web sites. If you have any questions or comments about this Payments policy, please contact us at help@mcat-prep.com and put in the subject line "Payments Policy".

Subscriptions

RUVENECO Inc. bills you (your "Billing Account") for use of any of our products and services, including, but not limited to, your user subscription (the "Service"), through PayPal (www.paypal.com). PayPal may charge your debit or credit card or debit your bank account if you have a PayPal account that allows for such debits from your bank account.

You agree to pay RUVENECO Inc. all charges at the prices then in effect for any use or mere access of the Service by you or other permitted persons (including your agents) using your Billing Account, and you authorize RUVENECO Inc. to charge your chosen payment provider through PayPal (your "Payment Method") for the Service. You agree to make payment using that selected Payment Method. RUVENECO Inc. reserves the right to correct any errors or mistakes that it makes even if it has already requested or received payment. RUVENECO Inc. may choose to arrange an alternate payment method including Authorize.net, certified cheque or money order.

Access to the Website's Features

Some features of our Website do not require you to be a registered user, including, but not limited to, the discussion boards.

Other resources on our Website are accessible for registered users with and without charges. Free features available to registered users may include, but are not limited to, one abbreviated Gold Standard MCAT practice test.

Other features of the Website may require that you become a paying member for access.

Automatic Renewal

Your subscription will be automatically extended for successive renewal periods of the same duration as the subscription term originally selected.

If you cancel your subscription, access to your subscription will be terminated within 48 hours. In no event will you be eligible for a prorated refund of any portion of the subscription fee paid for the then-current subscription period.

For subscribers who cancel their subscriptions, your subscription will not be renewed after your then-current term expires.

Recurring Billing

Subscription plans for the Service consist of an initial period, for which there is a one time charge, followed by recurring periodic charges. Your subscription program is available when you log into the Website using your unique user ID, which you obtain upon registration.

By subscribing to any of the RUVENECO Inc. Web sites, you acknowledge that your subscription has an initial and recurring payment feature and you accept responsibility for the initial payment and all recurring charges prior to cancellation, except as otherwise provided in this Payments Policy. RUVENECO Inc. may submit periodic charges (including your initiation fee and monthly charges), without further authorization from you, until you provide prior notice (confirmed in writing upon request by RUVENECO Inc.) that you have terminated this authorization or wish to change your Payment Method, except as otherwise provided in this Payments Policy. Such notice will not affect charges submitted before RUVENECO Inc. could reasonably take action to respond to your change or request.

PayPal has certain policies about recurring billing, giving you additional rights, if you have a PayPal account. For PayPal account holders, PayPal allows you to cancel recurring payments by logging into your PayPal account and following the instructions that PayPal provides. For more information on PayPal's policies concerning recurring payments, please visit www.paypal.com. Please note that if you are a PayPal account holder and you put your recurring payments on hold or otherwise stop payments through PayPal, your subscription will be deemed cancelled by RUVENECO Inc. See Subscription Cancellation below.

Free Trials and Other Promotions

Any free trial or other promotion that provides subscriber-level access to the Service must be used within the specified time of the trial.

Payment Information Required

We do not directly collect your payment information. We do not have access directly to your payment information, including, but not limited to, any credit card number or bank account numbers that you will provide to PayPal, when you pay for the Service. In order to process your payments, you will need to provide all information required by PayPal, including, but not limited to, any credit card numbers. For more information about PayPal, please visit www.paypal.com.

Payment Method

The terms of your payment will be based on your Payment Method and may be determined by agreements between you and PayPal (www.paypal.com), as well as the financial institution, credit card issuer or other provider of your chosen Payment Method assessed through PayPal (the "Payment Method Provider"). If RUVENECO Inc. does not receive payment from PayPal through your Payment Method Provider, you agree to pay all amounts due on your Billing Account upon demand. PayPal may also have certain rights if it does not receive payment from your Payment Method Provider; please review PayPal's policies for more information (www.paypal.com).

Authorization

Except as explained in this Payments Policy, your non-termination or continued use of the Service reaffirms that RUVENECO Inc. is authorized to charge your Payment Method. RUVENECO Inc. may submit those charges for payment, and you will be responsible for such charges. Neither PayPal (www.paypal.com) nor RUVENECO Inc. waives its rights to seek payment directly from you. Your charges may be payable in advance, in arrears, per usage, or as otherwise described when you subscribed to the Service or as may apply for returning users after having put their accounts on hold.

Putting Your Account On Hold

Your subscription can be managed on the Website, including accessing Unsubscribe instructions, by going to "Account".

If you wish to Unsubscribe, you must notify PayPal of your status. You are responsible for any fees incurred or otherwise due prior Unsubscribing as stated in this Payments Policy.

If you are a PayPal account holder and put your recurring payments on hold or otherwise stop payments through your PayPal account (www.paypal.com), we may treat your account as canceled rather than simply on hold. See Subscription Cancellation below for more information.

Please note that once you have put your account on hold, you will not be able to access certain features of the Website that were available to you as a paying subscriber. To reactivate your account, go to "Account".

Please note that RUVENECO Inc. reserves the right to completely deactivate any accounts that are put on hold for a period greater than three months. If your account is deactivated because you have exceeded the three month period, you may be required to resubscribe and pay the initiation fee again at the then current subscription rate, along with recurring billing at the then current subscription rate.

Subscription Cancellation

Your subscription can be managed on the Website, including directions for canceling your account, by going to "Account".

If you cancel your subscription, you must notify PayPal of your cancellation. You are responsible for any fees incurred or otherwise due prior to cancellation as stated in this Payments Policy.

If you are a PayPal account holder and put your recurring payments on hold or otherwise stop payments through your PayPal account (www.paypal.com), we may cancel your subscription and deactivate your account on our Website so that you will no longer be able to access it through the Website.

Refunds and Credits

There will be no refunds issued for any recurring billing period after the first 30 days of your subscription have elapsed, including, but not limited to, if you reactivate your account after it has been placed on hold. If you cancel your subscription and then decide to rejoin at a later time, you will have to pay the initiation fee again; however, you may put your account on hold through the Website and simply take it off hold to avoid paying the initiation fee again, if you decide to voluntarily suspend your usage of the subscription, except that there may be a time limit imposed for this type of on-hold status. See Putting Your Account On Hold above for more information.

Any payments you make to us for any of our products and services will be made through PayPal. PayPal has its own terms and conditions for usage, which can be viewed by visiting www.paypal.com.

All purchases you make are final. If you cancel your subscription or put it on hold, you may use your subscription until the end of your then-current subscription term as set forth in this Payments Policy. You will not be eligible for a prorated refund of any portion of the subscription fee paid for the then-current subscription period, whether you put your account on hold or cancel it as explained in this Payments Policy.

Refunds, if any, will be typically requested by RUVENECO Inc. from PayPal within seven (7) to ten (10) business days of the notice of cancellation. PayPal, based on its policies and the method of payment you chose, will determine the actual amount of time required to issue the refund and the manner in which the refund will be issued.

Surcharges, if any, charged by PayPal will not be refunded to you, unless PayPal's policy so permits. Visit www.paypal.com for information on PayPal's refund policies.

No refunds will be given if, for any reason, you violate the terms of service as outlined in the User Agreement.

Billing Errors

RUVENECO Inc. strives to avoid billing errors. However, if you believe that there has been a billing error, please contact RUVENECO Inc. at help@mcat-prep.com. Most billing matters can be resolved with little inconvenience and formality. Any disputes that cannot be informally resolved may be resolved as set forth in the User Agreement.

Revisions To The Payments Policy

RUVENECO Inc. reserves the right to update and revise this Payments policy at any time. You can determine if this Payments Policy has been revised by referring to the "Last Updated" date at the top of this page, or if you write to us at help@mcat-prep.com and put in the subject line "Payments", RUVENECO Inc. will inform you by email each time the Payments Policy is updated. Your use of this Website and the information and materials on the Website constitutes your acceptance of the manner in which RUVENECO Inc. processes any payments you may make and issues refunds, if any, as well as, the terms of the Payments Policy as amended or revised by RUVENECO Inc.. RUVENECO Inc. recommends that you review this Website's Payments Policy regularly to ensure that you are aware of its terms.