Withdrawal from a seminar, live, or virtual classroom course is required in writing to the CFTEA office. A student may withdraw from a class with no fees assessed up to ten business days before the start of the class. Within ten business days, refunds will deduct a $25.00 cancellation fee, cost of materials, and postage/handling. No-shows at the start of class receive no refund. To avoid a cancellation fee, the course may be transferred to another student for $50.00 before the start date.
Additional cancellation charges:
Instructor Led Online or daytime seminars/classes.$130
Instructor Led Online short classes$ 75
Guided LearningNo refunds
Self—Paced classesNo refunds
Any student who registers for a class, does not inform the CFTEA office of withdrawal and does not attend the class will be charged the full tuition rate.
Class Attendance Policy
Student attendance and class participation are critical to successful learning objectives and the integrity of CFTEA’s reputation in the learning community.
Student absences are considered with documented reasons on a case-by-case basis by the instructor and after discussions with the CFTEA office.
Each instructor will outline how attendance will impact a student’s overall grade in the course syllabus for a live or virtual classroom.
A lack of attendance can impact the final grade for a student as it is considered part of the participationpercentage for the overall course.
Student File Change Policy
Student files are maintained at the CFTEA office. A file is begun for a student when his/her first enrollment form for any class arrives at the CFTEA office. Student records are maintained by the last four digits of the student’s social security number. Should you desire not to provide us with this information, we will assign a student identification number to the enrollment listed on the enrollment form.
If a student changes their name or place of employment, please contact the CFTEA office with corrections as soon as possible at 888.366.3242 or [email protected].
CFTEA Code of Ethics and Conduct Policy
The Center for Financial Training and Education Alliance (CFTEA) recognizes that it takes more than quality education and a commitment to the students that it serves to be successful in accomplishing ourmission. We rely heavily on our solid reputation for honesty, fairness, and ethical conduct to attract our students, recruit quality instructors, and retain the high level oforganizational support and respect.
Our reputation ultimately rests on the good judgment and personal integrity of everyone – staff, volunteer leaders, students, instructors, and all other individuals and organizations – involved with CFTEA.
Those associated with CFTEA in any capacity shall commit themselves to:
Striving for excellence in all aspects of CFTEA;
Using only legal and ethical means in all CFTEA activities, including conducting all financial transactions in a responsible manner;
Acting with impartiality in all CFTEA matters;
Maintaining the confidentiality of privileged
Information entrusted or known to them by virtue of their association with CFTEA;
Refusing to engage in, or tolerate, activities for personal gain at the expense of CFTEA or ourbusiness partners; and
Communicating in a truthful and accurate manner.
Academic Integrity Policy
CFTEA strongly supports the concept of academic integrity and seeks to foster sound moral behavior in its students and faculty. Academic dishonesty can take many forms, including cheating on examinations, plagiarism, aiding others to commit dishonest acts, etc., and must never be tolerated. Students engaging in
academic dishonesty are subject to serious consequences. Instructors who observe or suspect an incident of academic dishonesty shall bring it to the attention of an appropriate center official immediately for prompt investigation, review and action.
Transcript Policy
An unofficial transcript of a student’s classes may be requested by the student in writing. An official transcript may be sent to a college or other educational facility. There is a $25.00 fee for an official transcript which must be paid at the time of the request.
When ordering, please include in the request your name, your month and day of birth or your student ID number, your telephone number and the address to which the transcript should be sent, along with the $25.00 fee payable to CFTEA.
All CFTEA records are maintained under month and day of birth If this information was not supplied to the CFTEA office during an registration for a course, it may cause any transfer request to be incomplete.
ACE College Credit Recommendations
The American Council on Education’s College Credit
Recommendation service (ACE Credit) has evaluated and
recommended college credit for several Instructor-Led online classes listed in this catalog and the credit recommendation is listed in the indicated column.
The American Council on Education, the major coordinating body for the nation’s higher education institutions, seeks to provide leadership and a unifying voice on key higher education issues and to influence public policy through advocacy, research, and program initiatives. ACE CREDIT connects workplace learning with colleges and universities by helping adults gain access to academic credit at colleges and universities for formal courses and examinations taken in the workplace or other settings outside traditional higher education.
These recommendations do not guarantee you will receivecollege credit for these classes. The decision is madeindependently by each college or university. The ACE website lists the Colleges and Universities that have agreed to accept the credit recommendations when appropriate.
Prior to enrolling into a course specifically to transfer the credits to the college or university you are attending please confirm directly with the school that they will accept the credits upon successful completion of the class.
Grading Policy
In-class: Grade reports will be sent to students as soon as possible after the grades have been received from the instructor. Upon request, grade reports to organizations will be sent in bulk at the end of the semester – in January and in July. A student may request in writing that a grade report be sent to his/her human resource department sooner than at the end of the semester if the grade is necessary for a promotion, salary increase, etc.
Online and Guided Learning: Grades are sent to students upon CFTEA’s receipt of the final grade from the instructor or completion of the self-paced programs.
CFTEA uses an official letter grading system for courses eligible for credit, but does not include pluses (+) or minuses (-).Letter grades are as follows:
90 – 100 =A(Excellent)
80 – 89 =B(Above Average)
70 – 79 =C(Average)
60 – 69 =D(Below Average)
Below 60 =F(Failing)
P =(Passing)
W =(Withdrawn)
I =(Incomplete, may be completed and a grade posted.)
A class showing an incomplete grade must be successfully completed within three months of the end date of the class in order for the grade to be changed to a letter grade. Otherwise the incomplete grade will remain as a permanent record on the transcript.
Transfer Credit Policy
To save students time and added expense, please first contact the CFTEA office at 888.366.3242 or [email protected] for assistance to complete the appropriate paperwork.
Credit for completed college courses may be transferred to a student’s CFTEA transcript. Classes must be completed at an accredited post-secondary institution. The credits must be accompanied by grades of “C” or better in order to be eligible for transfer.
In order to transfer credits from a college to CFTEA, the CFTEA office must be sent an official transcript of the student’s credits and grades from the college as well as course descriptions for the classes intended to be transferred. A fee of $90.00 is assessed for the evaluation of each transfer of credit from different colleges.
Tuition Policy
Tuition rates for all learning formats may be found on the pages listing the programs.
In–House Course Tuition:
1/4 and 1/2 Credit Classes…………..……. $60.00
1 Credit Classes…………………..………………. $70.00
2 or 3 Credit Classes …………….,………….. $90.00
Transfers from Vendor Programs (outside enrollment):
Per course transfer ………………………… $25.00
Transfers from College Programs:
Per institution transfer ……………………….. $90.00
Enrollment Policy
Students may enroll in any CFTEA course by paying at registration or with their approval of their supervisor, learning and development department or Human Resources.
Enrollments not directly paid by a student are billed to an organization throughout the month and are based on the guidelines found in the policies section of this catalog.
Extension Policy
Extensions are granted upon request prior to the original due date when students have completed at least 50% of the course by the original due date.
Extensions are available for Self Paced courses.
$30 Extension Fee of one month for self-paced courses costing $99 or less.
$50 extension fee of one month for self-paced courses costing $100—$449.
$100 extension fee for one month for self-paced courses costing greater than $450.
Extensions are available for Guided Learning courses.
$100 extension fee for three months for guided learning courses.
Additional Assessment Attempts Policy
CFTEA courses found within the CFTEA Workplace portal
receive two assessment attempts for Guided Learning and CFTEA self-paced content. An additional two attempts may be purchased for $25.
Grandfathered Certificate and Diploma Policy
Certificates and diplomas may change at any time based on the needs of the business community. Any student actively worked on a certificate or diploma will be grandfathered for 18 months allowing for the completion of the original certificate and/or diploma.
Policy of Nondiscrimination
CFTEA reaffirms its standing policy of nondiscrimination in employment and in all programs and activities with respect to race, creed, color, sex, sexual orientation, age, religion, ethnic or national origin, handicap or veteran status.
Textbook Purchase Policy
Textbooks purchased through the CFTEA office for a live or in-house course will be billed to the organization.
At times additional textbooks are sent to an organization cover late enrollments. Remaining textbooks may be kept by an organization for future classes. Unused textbooks stocked by the CFTEA office may be returned within 30 days to avoid a charge.
Always check with the CFTEA office to ensure that a textbook is one that is stocked before sending them. Textbooks will be examined for acceptable condition. Any textbooks not in a usable condition will be billed to the organization.
Payment Policy
CFTEA will invoice approved organizations for payment oraccept payment at time of registration MasterCard, Visa,Discover and American Express credit cards are also accepted. Entities and individuals that do not have an approved payment relationship with CFTEA will gain access to course content once successful payment through ACH, check, or credit card has been received by CFTEA. Invoices not paid by the due date are subject to a late fee and ordering courses until balance is paid.
Course Descriptions Policy
All updated course descriptions are located on our website under each product at www.cftea.org.
Privacy and Data Security Policy
Effective Date: April 8, 2021 | Last Reviewed: May 15, 2025 Legal Entity: Northern New England Center for Financial Training dba CFTEA
1. Purpose
This Privacy Policy outlines how CFTEA collects, uses, stores, and shares personal data through its website and services, in compliance with applicable laws including the California Consumer Privacy Act (CCPA) and other data protection regulations.
2. Data Collection and Use
CFTEA collects the following categories of personal data:
Identifiers: Name, email, phone, postal address
Commercial Information: Course registration and payment history
Internet Activity: IP address, browser type, session details
Usage Data: Pages visited, time on site, device identifiers
Purpose of Collection:
Deliver educational services and process transactions
Provide account access and customer support
Conduct analytics, service improvements, and communications
Comply with legal obligations and secure systems
3. Data Sharing
Personal data may be shared with:
Authorized Service Providers (e.g., payment processors, email platforms)
Affiliates or partners under confidentiality agreements
Government agencies or law enforcement if required by law
Third parties with user consent
CFTEA does not sell personal data of individuals under 16 and honors opt-out rights under CCPA.
4. Cookies and Tracking
CFTEA uses:
Essential Cookies – site function and login sessions
Performance Cookies – usage analytics
Functionality Cookies – user preferences Users can manage cookies via browser settings.
CFTEA does not respond to “Do Not Track” signals.
5. Security and Data Retention
CFTEA uses industry-standard safeguards to protect personal data. Data is retained only as long as necessary for legal, operational, or service-related purposes.
6. User Rights (CCPA & CalOPPA)
California residents have the right to:
Know what personal data is collected, shared, or sold
Access and request deletion of personal data
Opt-out of the sale of personal data
Be free from discrimination for exercising privacy rights
Requests must be verifiable. CFTEA responds within 45 days.
7. Children’s Privacy
CFTEA does not knowingly collect personal data from children under 13. If such data is inadvertently collected, it will be deleted upon notice.
8. International Data Transfers
By using our services, users consent to the transfer and storage of data in the United States under appropriate safeguards.
9. Changes to This Policy
CFTEA may revise this Privacy Policy periodically. Updates will be posted on www.cftea.org. Continued use of services constitutes acceptance of changes.
