Terms & Conditions – Mark Meldrum, Ph.D

Last updated: September 24, 2026
Copyright
© 2017 – 2027 Mark Meldrum, Ph.D. All Rights Reserved

Refunds
Due to the immediate availability of content, we have adopted a strict no refund policy for ALL purchases made on the site.
Upon completing the transaction, the Candidate acknowledges that the purchase is not eligible to be refunded or credited.

Candidates may be awarded an account credit depending on the nature of the purchase and the access to the content before the credit is issued. All credits are to be used for on-site purchases and are non-refundable.

The Account

The account is the sole responsibility of the Candidate upon subscription purchase
– package requirements, deadlines, and all policies and procedures will be enforced under the assumption of the Candidate having agreed to reading these Terms & Conditions before committing to the package purchase.

All communication to the Candidate will be primarily based directly on the website:
– pop-up windows, in-mail messages, banners, MY ACCOUNT page etc. will be used for notices, announcements, etc.
Whenever possible markmeldrum.com will send additional messages to the personal email used when registering for the account; however, the emails sent outside of the site are NOT to be relied on as the sole communication, due to our inability to control outside filtering and email blocking.

Each account must have an Individual’s name and address attached to it.

- - the individual named on the account will further be referred to as the Candidate
  - the Candidate is the ONLY individual permitted to access the account and its contents.
  - Accounts with Company names will not be accepted.

-> any account verification, upgrades or credits require documentation to be provided (outlined below); the name on the documentation and the Candidate/Account Holder’s name MUST match to be accepted

Outside from the uses outlined in these terms, course material (or other content on this site) may NOT be reproduced for any purposes.

The following are STRICTLY PROHIBITED and may result in being reported to the CFA Institute Professional Conduct Program in addition to having the account permanently shut down:

- - account sharing (for current, active and/or Archived material)
    -> this includes – but is NOT limited to – study groups, a company account being shared (and/or materials distributed) between multiple employees, etc.
  - accounts set up in fake or synonym names/identities
  - content distribution in any form
  - the resale of account access, learning products and/or support materials
  - demonstration of the intent to share/sell account access/materials/etc.
  - demonstration of the intent to purchase account access/materials outside of the official website
  - creation of alternative access that is otherwise NOT already available (downloading of videos, PDFs of mocks and/or Q-Banks, etc)

Security measures have been enabled to allow the tracing and tracking of those that choose to ignore this policy. If your pattern of usage shows this type of activity, your account will be locked and remain locked until you can demonstrate that you are a CFA candidate by completing the Two-Factor Authentication for your account. Refunds will not be granted.
Proceeding to purchase the subscription is acknowledgement that you have read and understood this message.

Two-Factor Authentication
We have added two-factor authentication in order to increase security for all candidate accounts.

Candidates can upload a copy of a previous exam attempt’s results OR a screenshot of your CFAI account (complete with your name, CFA number and email address) and the system will add the CFA number to your account.
** The results PDF will need to be the original copy as the system scans for authenticity; screen shots are not accepted for this file.

We use third party software to ensure account security. The use of VPNs etc. will trigger the software, activating the security measure and shutting out the use of the account.

The Candidate acknowledges the use of a VPN being at their own risk. While our team will work to help restore the access where applicable, MM.com does not guarantee regular response times to do so. The Candidate further acknowledges that if the account has been locked due to the use of a VPN, any access delay will be the sole responsibility of the Candidate.

Account Passwords
The Candidate is solely responsible for both maintaining their password in addition to the protection of any and all aspects of the account and its contents.

The Candidate will be held accountable should the Account be compromised.
An account flagged for distribution, account sharing or pooling activities, will face immediate shut down.
ABSOLUTELY NO REFUNDS will be issued should an account be shut down due to prohibited activities. Furthermore, the continued/future access to the markmeldrum.com website for the Candidate will be placed under review and may result in being permanently revoked.

User Content/Candidate Site Conduct
The Candidate agrees to not infringing on any patent, trademark, trade secret, copyright etc. of any content submitted by them through the site; this includes, but is not limited to: comments, photos, etc.

The Candidate also takes full responsibility for any content submitted by them to ensure that it is not in an offensive nature.
Further, all Candidates acknowledge that markmeldrum.com reserves the right to remove any and all accounts that create or participate in disruptive, dangerous or otherwise disrespectful behavior within their participation on the site or with the team members.
This includes, but is not limited to:

- - disrespect for markmeldrum.com faculty or other participating candidates,
  - those that have engaged in academic misconduct (cheating, etc.)
  - those that have been identified as violating the CFA Codes and Standards
  - Tampering with watermarks

These actions will result in the immediate termination of the account resulting in the Candidate’s access permanently revoked, and a forfeit of any further time remaining on their subscription with no refund.

markmeldrum.com reserves the right to refuse the sale/continuation of its services and/or products if it is established that the requirements of the candidate be outside that of which is available for the markmeldrum.com team to provide. The Candidate will be invited to find another provider to better suit their needs and the account will be permanently shut down. Candidates will be notified by email of the account removal.

Packages/Site Content

markmeldrum.com reserves the right to make modifications to the learning content & delivery platform at any time and without prior knowledge to the Candidate.
This includes, but is not limited to: pricing, packages, videos, PDF’s, question banks, mock exams, addition/removal of content, addition/removal of features, onsite security etc.

CFA packages are intended for CFA candidates. The Account Holder/Candidate agrees that they may be required to provide verification of their CFAI candidacy, as well as their registration for an upcoming exam.

Required documents for this verification will include the past exam results PDF (complete with the Candidate’s name and CFA number) or a screen shot of their CFAI profile page (complete with name, email and CFA number)
altered documents will NOT be accepted.
Documents MUST verify the same name and address as what the MM.com account is registered for; fake name accounts are not permitted and will result in the requirement of the true account being set up and the repurchase of the package subscription.

Tutoring/Academic Guidance Sessions

Tutoring/Counselling sessions are scheduled based on the mentor’s available dates and times. Once a date and time have been selected, the session will only be considered confirmed and reserved after payment or credit has been successfully completed and confirmed.

**The purchase of a mentoring session is reserved for MM candidates ONLY at this time.

Once payment is confirmed, the mentor will contact the Candidate through our in-mail system directly on the site, so as to remove any possible filtering of emails and ensure communication is received.

Failure to complete payment for the selected session will result in the request closing automatically after 24 hours. Candidates are welcome to fill out another request for a new session.

Once a session is scheduled with a mentor, it is confirmed.
Confirmed sessions can be cancelled/rescheduled WITH THE MENTOR DIRECTLY up to 24 hours BEFORE the scheduled session.
– Cancellations WITHIN 24 hours will count as completed session and are no longer available for rescheduling.

** Missed sessions will count as a completed session; if a candidate wishes to reschedule a new request form and payment will be required.**

For Tutoring session only:

The session can be shared, with up to three (3) candidates (the purchasing candidate and two others).
The session is billed on ONE (1) account only – this is the account of the candidate completing the request form.
The session is focused on ONE (1) section of the curriculum ONLY (example: Ethics, NOT Ethics & Quant)
If there are multiple areas candidates would like help in, each section would be considered its own session.

PRE-PURCHASED MENTOR SESSIONS:
Pre-purchased tutoring credits are NOT guaranteed scheduled sessions with a mentor candidates MUST complete the scheduling process as outlined on the site; upon checkout candidates will then have the option to apply their pre-purchased credit to reduce the balance owing for the session.

Examination Dates & Package Extensions

Candidates must choose their examination date when purchasing their package – the date chosen should accurately reflect the exam window they are registered/intending to register for.

Packages are NOT interchangeable.

packages are not able to be purchased for one Level and then reverted to another (example: purchasing a Level II package and then have it reverted to a Level I package).

Once record of access to the account, and/or its contents, is demonstrated, the Candidate acknowledges that the purchase is confirmed and the package now falls under the specifics for extending/upgrading.

Content – particularly the mock exams – will be released according to the examination windows for each Level, so it is imperative that the correct examination date is selected, or the contingent material will not be available to the candidate in time for study use.

Package Extensions

2025-current Package Extensions

Any candidate who purchases a package is eligible for a one-time extension or adjustment. This adjustment allows you to move your package to an earlier or later exam period. The fee for this one-time change is $100.

- Extensions/adjustment are permitted only once per purchased package.
- The extension/adjustment is only valid for one year, from the original exam period. (eg. If your original exam period is August 2026, you can only move to August 2027).
- No additional extension/adjustment purchases are allowed for the purchased package beyond this one-time extension/adjustment. No exceptions!
- If the one-time extension/adjustment is used, you will be required to repurchase the package for the price listed online for the selected exam period.
- Pay per section(s) are not eligible for an extension. Any request to regain access to a previously purchased section, will require you to repurchase.

Candidates are encouraged to carefully consider their timelines before requesting an extension, as this policy is strictly enforced.

Only Instructor Led Packages are the exception. Those packages come with the One-Fee-to-Pass Guarantee.

Pre-Purchased Package Subscriptions
Candidates purchase content for an unregistered exam Level at their own risk and in full knowledge that they may incur an additional charge if the content is required to be accessed/extended outside of the season it is intended.

For packages purchased from 2020 to current exam sittings:
Content purchased for one season does NOT automatically defer into the next season; this is true even if a candidate cannot write the exam (including deferments/cancellations made by the CFAI)
** (ex: pre-purchasing Level II content BEFORE being able to register for the Level II exam).

ONE-FEE-TO-PASS (OFTP)

The OFTP feature provides candidates with the assurance that, should they be unsuccessful in their Level’s exam attempt, the package for that same Level will be extended to the candidate’s next exam date WITHOUT FURTHER CHARGE. An unsuccessful attempt is recognized as sitting for the exam and NOT receiving a passing result.

2021-2024 Full Access packages:

Full Access package from 2021-2024 are covered by OFTP, extensions are provided (at no cost) based on the following:

- - Failed previous exam attempt
  - packages are only extended with the submission of the registration receipt for the new examination and failed results from previous exam attempt. (Documents must be uploaded in PDF form, complete with the Candidate’s name and CFA number)
  - OFTP only covers failed attempts and not deferrals.

Sections and Mock exams are covered under OFTP for 2021-2024 purchases. Based on the following :

- - Failed previous exam attempt
  - packages are only extended with the submission of the registration receipt for the new examination and failed results from previous exam attempt. (Documents must be uploaded in PDF form, complete with the Candidate’s name and CFA number)
  - OFTP only covers failed attempts and not deferrals.

IF the candidate does not sit/write the 2021-2024 exam for which their account is registered for, they DO NOT qualify to have their package extended and the candidate would be required to repurchase at the price listed online.

2025-Current Instructor Led ONLY Packages:

Instructor Led packages from 2025-current are covered by OFTP, extensions are provided (at no cost) based on the following:

- - OFTP only covers Deferrals up to 1 year from original exam period.
  - Failed previous exam attempt (only applied after 1 year of original exam period)
  - packages are only extended with the submission of the registration receipt for the new examination and failed results from previous exam attempt. (Exam results only required after 1 year from original exam period). (Documents must be uploaded in PDF form, complete with the Candidate’s name and CFA number)

Documents WILL NOT be accepted if they are edited or modified in any way.

Once completed, the OFTP will reset to the exam date listed on your new registration receipt.

** Please note that this is different from the previously offered One-Fee-To-COMPLETION (OFTC) package, which covered all three levels and is no longer available.

The One-Fee-To-Pass covers each package independently. Purchasing the Level I package, candidates WILL NOT receive automatic access to the Level II package.

The Section Subscriptions

2021 – 2024 sections are covered by the OFTP.

- - OFTP only covers Deferrals up to 1 year from original exam period.
  - Failed previous exam attempt
  - Sections are only extended with the submission of the registration receipt for the new examination and failed results from previous exam attempt. (Documents must be uploaded in PDF form, complete with the Candidate’s name and CFA number)

2025-Current
- Sections are not eligible for extensions and are not covered under OFTP.

The Archive
Archives populate for candidates for three (3) years from course expiration date. At which time the content is too far removed to be of any further help given the yearly changes to the material by the CFAI.
This feature is a video library of the reading videos ONLY pertaining to that year’s CFA material and is intended for reference as candidates continue their pursuit of the CFA Charter.

Additional Archive details/conditions/requirements:

section purchases DO NOT Archive; only the Self-Study and Instructor Led package purchases will be converted into an Archive
ONLY the reading videos are included in the Archive; PDF notes, seminar videos, review videos, mock exams, quiz builder, etc. are considered additional features which are part of the active package and are not included with the Archive.
The Archive content DOES NOT update from year-to-year.
As of January 2022, the Archive will ONLY be available within the APP.
The Archive will populate in a candidate’s account within one (1) week of the expiry date of the purchased package.
The Archive remains in the candidate’s account only once they have demonstrated they have completed that level
- if a candidate purchases a new package at the same Level, the previous year’s Archive for that same Level is removed and only access to the current content is provided (example: 2025 Level I Archive is removed if the 2027 Level I package is purchased)
Once an Archive is more than three (3) years removed from current content, the Archive will dissolve for that season
(example: 2023 archives will no longer be available for access at the end of the 2026 CFAI season).

Archives are available for purchase with an active package. (example: Level III active package, candidates can purchase Level I and Level II Archive which is available for 3 years from Archive release date (2025 Archive only available until end of 2028 CFAI season)).

OFTC Package
The One-Fee to Completion subscription receives all associated access specific to the current level of the Full Access (Self-Study) Subscription for each respective Level and is subject to change based on access changes made to the package Subscription.

Additional OFTC package details/conditions/requirements:

- To upgrade from one Level to the next
  Candidates will be required to upload their exam results PDF* to release the next Level’s content; the system is fully automated to read the official CFAI PDF’s provided to each candidate and MUST match to their account information. The documents WILL NOT be accepted if they are edited or modified in any way.
  The account upgrade is completed through the link provided on the MY ACCOUNT page.
- To extend the current Level from one exam date to another
  Candidate will be required to upload the registration receipt* for the new/upcoming exam. The documents WILL NOT be accepted if they are edited or modified in any way.
  The account upgrade is completed through the link provided on the MY ACCOUNT page.
- To extend the current Level without documentation
  Candidates are provided with one (1) update “PASS” for each Level; this grants the Candidate one (1) update of content, within the current Level, without having to provide the required documents as listed above.
  – The one (1) pass for each Level cannot be rolled over if not used within a previous Level
  – The use of the PASS can only be initiated AFTER the results to the examination period have been released
  – The use of the PASS CANNOT be used to upgrade to a new Level
- No documentation and already used The PASS
  If Candidates do not have the registration receipt to defer their current package to a new exam date, and has already utilized their one PASS, the account will remain in pending status until the documentation can be provided.
  Candidates will have use of the Archive for the previous year’s content, but the additional features of an active subscription (ex: quizzes, review videos, seminars, mock exams, etc) will not be available until the proper documentation to upgrade is provided.

Additional OFTC package info:

Once updated, the content CANNOT be reverted back to a previous Level (ie. if updated to Level II and candidate has failed, content CANNOT be reverted back to Level I)
Archives will populate within one (1) week of course expiration and will be active for candidates for three (3) years. At which time the content is too far removed to be of any further help given the yearly changes to the material by the CFAI.
Candidates are NOT entitled to a refund of the difference between the price of the independent Level packages and the OFTC package price should they pass all included levels on the first attempt; this difference is the insurance against the repurchasing of the full package and is forfeited.
OFTC accounts that lay dormant due to inactivity for six (6) years will be considered expired and will no longer be available for further access or upgrades.
- if a candidate returns to the account after the 6-year expiration, they will incur a reactivation fee to regain access.
In case of liquidation or any other instances where services are cancelled by the provider, the OFTC candidate will receive a refund of the package price for the unused Level portion of the OFTC package
– package prices are based on the Full Access packages at the time of the OFTC purchase;
– the insurance cost associated with the OFTC package is forfeited and not eligible for refund.

markmeldrum.com reserves the right to update the Terms & Conditions for the site as deemed necessary for site improvements and content security. Any changes will become effective immediately after posting the updates to this page.
– It is the responsibility of the Candidate to review the Terms & Conditions periodically to ensure that they are aware of the changes.
– If changes are implemented, the “Last Updated” date change to the date of the modification.

Account Credits

Account Credits on individual accounts can be used for future purchases on the site.
Account Credits are non-refundable.
Any available credit will be visible on the My Account page.
Account credits – if applicable – will populate for the Candidate upon checkout; Candidates will be required to choose to have the credit added to the order in order for it to be applied.
Account credits cannot be used in part; the entire credit will be applied at checkout, unless the credit amount surpasses the order amount, upon which the difference will go back on to the Candidate’s account.

*At no time is any of the requested Candidate information shared on the site nor with outside third-parties, it is strictly for account security.

Questions? Email support@markmeldrum.com for assistance.