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Discounts, offers and schemes

  1. Discounts: If several discounts potentially apply to a course only one such discount may be selected. Discounts offers and schemes (including those stated in paragraphs 67 to 90 below) are subject to availability and may be withdrawn or changed at any time without notice.
  2. Ultimate Learning Experience offer: When booking, in a single transaction, the Ultimate Learning Experience (ULE) for ACCA courses, a combination of tuition, revision and question based day for the same paper and sitting, students are entitled to a total of £70 off the price on enrolment. This offer is only valid during specific promotional periods, which will be advertised on our website, and only for classroom and Live Online courses. The offer is only available when courses are purchased online (the discount amount will be applied at the checkout stage of the online transaction) or via the telephone on +44 (0) 1908 540064 (office hours); with the exception of those on a payment plan or formal client service level agreement with Kaplan.
  3. Revision and question based day offer: If booking online in a single transaction an ACCA revision course and question based day for the same paper and sitting, a £50 discount will be applied to the QBD booking. This offer is only valid during specific promotional periods, which will be advertised on our website, and only for classroom and Live Online courses. The discount amount will be applied at the checkout stage of the online transaction.
  4. Distance learning revision discount: Distance learning students may be entitled to a £50 discount off a classroom revision course at a Kaplan Financial centre, provided the revision course is purchased for the same exam sitting and paper and for the same student.
  5.   Kaplan Financial Lifetime Pass Guarantee for courses purchased from 1st June 2012 - The terms and conditions of the Kaplan Financial Lifetime Pass Guarantee which applies to part time classroom and Live Online ACCA, FIA Diploma, CIMA, CTA, ATT, CIPFA and AAT courses (individual paper only) are as follows:

    Eligibility
    1. The full course programme must be purchased and followed to be eligible for the Lifetime Pass Guarantee, as detailed below:
      1. AAT Levels 2, 3 & 4: PassPlus course;
      2. ACCA Skills, Essentials & Options modules: Tuition, Revision and Question Based Day (QB);
      3. ACCA Knowledge Module / FIA Diploma: Pass and Go course;
      4. CIMA Certificate level: Pass and Go course;
      5. CIMA 2014 Operational, Management & Strategic levels: Tuition, Revision and Question Based Day (QB);
      6. CIMA 2014 Professional Competence T4 level: Classroom T4 Essential Course or Live Online T4 Tuition and Revision course;
      7. ATT: Tuition and Revision;
      8. CTA: Tuition and Revision; or
      9. CIPFA: Live Online Tuition and Live Online Revision.
      10. CIMA 2015 Professional: Classroom or Live Online combination of Tuition and Revision Plus course for the same Objective Test (OT) subject and exam period, known as the OT complete package;
      11. CIMA 2015 Professional: Classroom or Live Online Case Study Complete course.
    2. All amounts due must have been paid in full
    3. Students must attempt the real exam.
    4. CIMA Certificate level students,CIMA 2015 Professional students, ACCA Knowledge module students, FIA Diploma students and AAT students must attempt their first computerised examination within a maximum of 4 weeks from completion of the course.
    5. Students must, in order to validate their guarantee, attempt and submit in accordance with the relevant test submission deadlines, the appropriate assessment and mock exams, plus QB questions (if applicable), as detailed below:
      1. AAT: all progress tests on MyKaplan must be completed prior to attempting the online mock exam; a minimum of 70% must be subsequently achieved in the online mock exam; and the online mock exam must be passed before the real exam is attempted
      2. ACCA Skills, Essentials & Options modules: Final Assessment, Mock Exam and QB questions, and achieve a minimum mark for each of 40%
      3. ACCA Knowledge Module / FIA Diploma: Final Assessment and Mock Exam and achieve a minimum mark for each of 40%
      4. CIMA Certificate level: the MyKaplan online mock exam and achieve a minimum of 40%.
      5. CIMA 2014 Operational, Management & Strategic levels: Final Assessment, Mock Exam and QB questions, and achieve a minimum mark for each of 40%
      6. CIMA 2014 Professional Competence T4 level: three mock exams and achieve a minimum mark for each of 40%
      7. ATT: Pre-revision Exam and Revision Mock Exam and achieve a minimum mark for each of 40%
      8. CTA: Pre-revision Exam and Revision Mock Exam and achieve a minimum mark for each of 40%
      9. CIPFA Certificate, Diploma and Strategic Leadership papers: Progress Test and Mock Exam and achieve a minimum mark of 40%
      10. CIPFA Strategic Financial Management Case Study: all 4 course mocks attempted, with 2 out of 4 papers achieving a minimum mark of 30%
      11. CIMA 2015 Professional: all online assessment tests and mock exams
    6. Classroom Students must attend 100% of the course (including question based day, where applicable). It is the student's responsibility to make sure that they sign the attendance register/swipe their student ID card in order to confirm their attendance. Live Online students must complete 100% attendance of the lectures (including question based day debrief, where applicable).
    7. The Lifetime Pass Guarantee does not apply to residential courses, full time, distance learning, CIMA study.com or e-prep courses.
    8. The Lifetime Pass Guarantee is not transferable
    9. The Lifetime Pass Guarantee is subject to availability and may be withdrawn at any time without notice
    10. In the event of a failure, proof of that failure must be provided to Kaplan Financial on application for the Pass Guarantee (PG) course

      Pass Guarantee (PG) Course
    11. In order to validate the Lifetime Pass Guarantee, the PG course must be attempted at each subsequent examination sitting. The Lifetime Pass Guarantee will expire should an examination sitting be missed. For CIMA 2014 Professional levels, the PG course must be attended within the following 6 months, for example, if retaking from the May exam sitting, the PG course can be attended in preparation for the August/September or November exam sitting. For CIMA 2015 Professional levels, the PG course(s) must commence within 4 months of the failed exam and can be taken either in the classroom or Live Online. For CIMA Certificate and ACCA Knowledge Module, the free Pass & Go course must be taken at the next available course or within 6 months, whichever is sooner. For AAT, the resit exam must be subsequently reattempted within1 month of the original exam. In all cases the Lifetime Pass Guarantee automatically expires once the paper is passed.
    12. In the event of a failure,
      • a classroom student will be entitled to attend (where available) a PG classroom or Live Online course with Kaplan Financial free of charge for the subject to which the Lifetime Pass Guarantee applies, as detailed below.
      • a Live Online student will be entitled to attend (where available) a Live Online course with Kaplan Financial free of charge for the subject to which the Lifetime Pass Guarantee applies, as detailed below.
      1. AAT Levels 2 3 & 4: a PassPlus course if one is available at a suitable date in the centre and/or the dedicated online resit course. Students must contact their local Kaplan centre within 5 working days of their original exam failure to discuss their resit plans with their tutor and arrange access to the resit course via MyKaplan.
      2. ACCA Skills, Essentials & Options modules: Tuition and/or Revision course, and/or Question Based Day;
      3. CIMA Certificate level/ACCA Knowledge Module: Pass & Go course;
      4. For 2014: CIMA Operational, Management & Strategic levels: Tuition and/or Revision course or Resit Extra course and/or Question Based Day;
      5. For 2014: CIMA Professional Competence T4 level: Classroom T4 Essential Course Programme and/or Resit Course and/or Test Drive; Live Online T4 Tuition and/or Revision and/or Resit Course;
      6. For 2015 (following 2014 courses): CIMA Operational, Management & Strategic levels: Resit online conversion course or revised syllabus course(s) for the equivalent subject;
      7. ATT: Tuition and /or Revision course;
      8. CTA: Tuition and /or Revision course; or
      9. CIPFA: Tuition and /or Revision course.or
      10. CIMA 2015 Professional OT complete package: a Classroom or Live Online Tuition and/or Revision Plus course and/or dedicated online Resit course; or
      11. CIMA 2015 Professional Case Study Complete: a Classroom or Live Online Case Study Complete course
    13. Students must continue to attempt and submit a Final Assessment and Mock Exam, where applicable, and achieve a minimum mark of 40% (or any combination of these requirements as notified to the students from time to time). Students must submit the relevant assessment or mock exam for marking in line with submission deadlines. AAT students must attempt and pass the resit practice assessments and subsequently the resit mock exam and achieve a minimum of 70% in the latter. ATT and CTA students must attempt the Mock Exam, where applicable and achieve a minimum mark of 40% to validate their Lifetime Pass Guarantee. CIMA 2015 students must attempt all online mock exams for the subjects that they are resitting.
    14. Classroom students must attend/complete 100% of the agreed/booked PG course (including question based day, where applicable), for CIMA 2014 T4 the minimum number of days to be undertaken is three. It is the student's responsibility to make sure that they sign the attendance register/swipe their student ID card in order to confirm their attendance. Live Online students must complete 100% of the PG course lectures (including question based day debrief, where applicable).
    15. Students attending a PG course may, where Kaplan course materials have been updated, or in the case of ATT/CTA where a new Finance Act is now examinable, be required to purchase new course materials from Kaplan Financial. Students transferring from the 2014 to the CIMA 2015 syllabus in 2015 will receive the Official CIMA materials for the equivalent paper at no additional charge.
  6. Refer a friend reward scheme
    1. The refer a friend award scheme is currently operating during the periods specified below and rewards will be issued as detailed in the table below to persons who have satisfied the scheme conditions in the periods specified below:

      Conditions met by both parties in this period e-vouchers will be issued in this period
      1 January - 31 March 2014 Week commencing 7 April 2014
      1 April - 30 June 2014 Week commencing 7 July 2014
      1 July - 30 September 2014 Week commencing 6 October 2014
      1 October - 31 December 2014 Week commencing 5 January 2015
      1 January - 31 March 2015 Week commencing 6 April 2015
    2. Referring person - To be an eligible referrer, such person:
      1. must have attended a course through Kaplan Financial in the 12 months prior to making a referral;
      2. must complete an online referral form, providing Kaplan Financial with the details of the potential student;
      3. must not have any outstanding debts with Kaplan Financial.
      4. if a formal AAT or ACCA payment plan agreement has been entered with Kaplan, with the credit checks completed and all, including at least one, direct debit payment(s) have been successfully made, and there are no other outstanding debts with Kaplan Financial, then clause iii does not apply.
      5. may successfully refer a maximum of 10 persons under the scheme offer; and
      6. Must take responsibility for checking that their employer is happy for them to act as a referere, if the employer is paying for their studies.
    3. Referred person - To be an eligible referred person, such person:
      1. must not have attended any Kaplan Financial courses within the preceding 2 years;
      2. must complete a "Refer a Friend "online application form, within 12 months of the initial recommendation by the referrer; and
      3. must enrol (in a single enrolment) on classroom, Live Online, online or distance learning course(s) which have a published price of more than £300 (before VAT) or be signed up onto a Government funded course (Apprenticeship).
      4. must enrol within 12 months of making an application. If enrolling more than 12 months since the application, the student will need to apply for the scheme again and must conform to the terms and conditions.
      5. All non-funded courses must be paid for in full before the rewards are issued. If a payment plan has been arranged, then the rewards will not be issued to either party until the balance has been settled.
      6. Rewards will be issued subject to it being confirmed that the referred person has been on a Government funded programme, distance learning or online course with Kaplan Financial for 2 months, or attended at least 2 days of their Kaplan Financial classroom or Live Online course.
    4. Reward general conditions
      1. The reward will be in the form of a £50 Amazon e-voucher given to both the referring and referred person. All purchases must be redeemed via amazon.co.uk within the expiry date quoted within email correspondence.
      2. Kaplan Financial reserves the right to withhold or refuse to honour the rewards if any conditions have not been met or if the course or Government funded programme is cancelled or deferred by the referred person.
      3. The reward scheme is not valid if the person being referred is employed by a company with whom Kaplan Financial has a training provider contract, service level agreement or dedicated fee arrangement.
      4. By providing information online the referred and referring persons automatically agree to opt in to receive marketing information by email from Kaplan Financial and its sister companies. Either student can opt of receiving this information at any time.
      5. An application to join the reward scheme cannot be made in retrospect. The cut off period for all applications will be 14 days from enrolling on a course. If an application is made after 14 days neither the referrer nor the referred student will be entitled to the reward.
      6. A referred person can only be referred by one referring person. If referred person is referred by more than one student then the first referer will receive the reward.
      7. No cash alternatives apply.
      8. Kaplan Financial reserves the right to change the format of the reward scheme or to withdraw the scheme at any time without notice. Any changes will be specified on the website www.kaplanfinancial.co.uk/refer.
      9. Kaplan Financial's decision is final on all matters relating to the scheme.
      10. The reward scheme is not open to employees, agents or contractors of Kaplan Financial and/or any affiliate or subsidiary companies or their immediate families or any other person connected or involved with the reward scheme.
      11. Kaplan Financial cannot accept any responsibility for any damage, loss, injury or disappointment suffered by any person participating in the reward scheme.
  7. Four Stage Payment Plan ACCA (This scheme is no longer available to new applicants.) - Part time ACCA trainees who purchase the Ultimate Learning Experience (ULE) can apply for the Four Stage Payment Plan and must complete/do the following:
    1. Complete a Four Stage Plan Application and submit this to Kaplan Financial along with their completed enrolment form.
    2. 25% of the total ULE fee (per paper) is payable on enrolment.
    3. The balance of ULE course fee is then payable on three stipulated dates.
    4. If payment is not made by the specified date, the full amount owed becomes immediately due and payable, additional fees may be incurred and amounts charged (as per our General Terms and Conditions).
    5. Failure to make payment when due may result in refused entry to courses booked (without any refund of any fees paid or liability on our part) and no further flexible payment options will be made available.
    6. The Four Stage Payment Plan is not available to sponsored, full time or distance learning students, or those enrolling online.
    7. The plan is subject to availability and may be withdrawn at any time.
    8. The CIMA scheme is no longer available to new applicants; the terms and conditions above apply to existing CIMA applicants.
  8. AAT Payment Plan

    These Payment Plan Terms and Conditions apply to any person who wishes to enter into a payment plan with Kaplan Financial. These Payment Plan Terms and Conditions are in addition to Kaplan Financial General Terms and Conditions and any other applicable Terms and Conditions which may apply to the student

    If you and Kaplan agree to enter into a payment plan both parties will be required to sign a binding fixed sum loan agreement (“the Loan Agreement”). No agreement for the provision of credit to the applicant will be in force until both parties sign the Loan Agreement. If there is a conflict between these Payment Plan Terms and Conditions and the Loan Agreement Terms and Conditions, the Loan Agreement will take priority.

    Please read these Terms and Conditions carefully before purchasing the applicable courses and choosing to apply for the Kaplan Financial Payment Plan. Please print and keep a copy of these Payment Plan Terms and Conditions for your records. By signing up for the Kaplan Payment Plan you are confirming your agreement to be bound by these Terms and Conditions.

    1. Subject to meeting all other applicable requirements, to be eligible for a payment plan, you must:
      • Be paying for enrolments on one full level of AAT courses
      • Spend a minimum of £500 in total
      • Be 18 years of age or over
      • Be a UK, EU or EEA national

    2. A minimum deposit equal to 10% of the total spend will be due upon enrolment.

    3. Repayments will be over the following periods:
      • Level 2 - 6 monthly repayments
      • Level 3 - 12 monthly repayments
      • Level 4 - 12 monthly repayments

    4. The payment plan constitutes a fixed sum loan agreement regulated by the Consumer Credit Act 1974 for restricted-use credit. You have a right to withdraw from the credit agreement before the end of 14 days beginning with the day on which you receive notification from us that the agreement has been executed. This must be communicated in writing to Kaplan by you.

    5. If you withdraw from the agreement, but wish to still complete the courses enrolling on, you must pay the Loan amount without delay and no later than 30 calendar days beginning with the day after the day you gave us notice of withdrawal. Without this payment we would reserve the right to terminate the course enrolments.

    6. If you wish to cancel the agreement early (after the 14 day withdrawal period), the full amount of credit will be due for any courses that have been commenced and any material that has been given to you. There will also be a £50 cancellation charge.

    7. You can settle the agreement at any time, in full or in part, by paying us some or all of the amounts you owe us

    8. Any variation to the repayment schedule must be agreed with us in writing one month before the relevant due dates. This would include, but not be limited to, a wish to defer the enrolments to a subsequent exam sitting following an unsuccessful exam attempt. This may prompt the cancellation of the agreement and the creation of a new agreement. In such circumstance the £50 cancellation fee may be waived at Kaplan’s discretion.

    9. In the event of any payment default or late payment, you will be subjected to a £50 late payment fee. This will be added to the next monthly direct debit repayment. Missing payments could have severe consequences, and may result in legal proceedings being taken against you. Missing payments could also make it more difficult for you to obtain credit

    10. You are entitled, under S77B of the Consumer Credit Act 1974 (“the Act”) to receive, on request and free of charge at any time during the period of the agreement, a statement of account showing the details of each instalment owing under the agreement; the date on which each instalment is due, the amount and any conditions relating to its payment; and a breakdown of each instalment showing how much comprises capital, interest and any other charges

    11. When you apply to us for a payment plan, Kaplan will check the following records about you

      1. Our own;
      2. Those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information.

      Based on the outcome of these checks, Kaplan at its sole discretion may offer you the payment plan.

    12. We will make checks such as; assessing the application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs to manage your account with us.

    13. Information on application will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted. Information held about you by CRAs may be linked to records relating to any person with whom you are linked financially and other members of your household.

    14. In the event of default or non-payment, we reserve the right to take any lawful and necessary actions, up to and including legal action, to recover debts.

    15. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies (FPAs). If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
    16. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

    17. We may use a credit scoring or other automated decision-making system. We may monitor and record telephone calls for the purpose of security and training.

    18. All arrangements and any disputes or claims arising out of or in connection with such arrangements or their subject matter or formation (including non-contractual disputes or claims) between the Student and Kaplan, shall be governed by, and construed in accordance with the laws of England and Wales, and be subject to the exclusive jurisdiction of the courts of England and Wales.

    19. We may update or amend these Payment Plan Terms and Conditions from time to time without notice. The applicant should check the Kaplan Financial website for the latest Terms and Conditions. Kaplan Financial reserves the right to withdraw the offer at any time at its sole discretion.
    20. Representative example:
      0.0% APR Representative (fixed). Based on an assumed loan amount of £1,000 over 12 months at an interest rate of 0.0% p.a. (fixed). Monthly repayment £83.33. Total amount payable £1,000.
  9. Redundancy protection
    1. Any part-time ACCA student who has enrolled on the Ultimate Learning Experience (ULE) and has part-paid using the Four Stage Payment Plan will be entitled to our redundancy protection scheme.
    2. If any ACCA student meeting the above criteria is made redundant during their studies, Kaplan Financial will waive the student's unpaid course fees until the conclusion of the existing paper(s) and exam(s) within the same sitting (but not any re-sits or subsequent fees).
    3. To qualify for this scheme a student must:
      1. Have paid the initial instalment required for each ULE;
      2. Have worked for their employer for a minimum of 12 months on a full time or permanent contract and provide satisfactory evidence;
      3. When they enrol for the papers not be aware of any circumstances which could result in redundancy; and
      4. Be a permanent resident in the UK.
    4. The scheme will not apply within the first 30 days after enrolment. The scheme does not entitle any student to full or partial refunds.
  1. Distance Learning 3 for 2 offers

    Distance Learning ACCA Knowledge 'three for two' course offer:
    1. This offer only applies when a combination of ACCA F1, F2 and F3 distance learning courses are purchased online in the same transaction for an individual student.
    2. The three courses (one per paper) must all be of the same course type i.e. all Premier, all Standard Plus or all Standard.
    3. You will be charged the total price of two courses.
    4. This offer is only valid until 31st December 2014, and is not available in conjunction with any other offer.

    Distance Learning CIMA Certificate 'three for two' course offer:
    1. This offer only applies when three CIMA Certificate distance learning courses are purchased online in the same transaction for an individual student.
    2. The three courses (any three from C01, C02, C03, C04 and C05) must all be of the same course type i.e. all Premier or all Standard.
    3. You will be charged the total price of two courses.
    4. This offer is only valid until 31st December 2014, and is not available in conjunction with any other offer.

    Distance Learning FIA 'three for two' course offer:
    1. This offer only applies when a combination of three FIA distance learning courses are purchased online in the same transaction for an individual student.
    2. The three courses (one per paper) must all be of the same course type i.e. all Premier, all Standard Plus or all Standard.
    3. You will be charged the total price of two courses.
    4. This offer is only valid until 31st December 2014, and is not available in conjunction with any other offer.
  2. Kaplan Financial Lifetime Support Guarantee for full time ACCA courses purchased for June 2014 – The terms and conditions of the Kaplan Financial Lifetime Support Guarantee (LSG) are as follows:

    Eligibility

    1. The full course programme must be purchased and followed to be eligible for the LSG.
    2. All amounts due must have been paid in full by the first day of tuition.
    3. Students must attempt the real ACCA exam and score a minimum of 42%.
    4. ACCA Knowledge module students and FIA Diploma students must attempt their first computerised examination within 4 weeks from completion of the course.
    5. Students must, in order to validate their LSG, attend, attempt and submit the final assessment sessions and mock exams.
    6. Students must attend 100% of the course (including interim assessment sessions and mock exam days). It is the student's responsibility to make sure that they sign the attendance register in order to confirm their attendance. Students must comply with lateness policy.
    7. The LSG is not transferable.
    8. The LSG is subject to availability and may be withdrawn at any time without notice.
    9. In the event of an exam failure, proof of that failure must be provided to Kaplan Financial on application for the Support Guarantee (SG) course.
    10. In the event of (i) exam results being released after the student has registered for a LSG qualifying programme and (ii) the student learning that he/she has failed one or more papers,the re-sit papers which the student will need to take will also qualify for the LSG. For the avoidance of doubt any existing credit will be transferred on a pro-rated basis to the following term. There is no refund option in this case.

    Support Guarantee (SG) Course

    • In order to validate the LSG, the SG course must be attempted at each subsequent examination sitting. The LSG will expire should an examination sitting be missed. In all cases, the LSG automatically expires once the paper is passed.
    • In the event of a failure, a student will be entitled to attend (where available) a fulltime classroom course with Kaplan Financial free of charge for the paper to which the LSG applies. In any instance where students are unable to remain in the UK to study, Live Online courses will be made available as an alternative to classroom tuition. For all avoidance of doubt no other courses are available under the support guarantee.
    • In order to maintain eligibility for the next SG course students must continue to attempt and submit the Interim Assessment and Mock Exam, where applicable, and achieve a minimum mark of 42% in each attempt at the real ACCA exam. Students must submit the relevant assessment or mock exam for marking in line with submission deadlines or during class when this is timetabled.
    • In order to maintain eligibility for the next SG course classroom students must attend 100% of the agreed/booked SG course. It is the student's responsibility to make sure that they sign the attendance register in order to confirm their attendance. Live Online students must attend 100% of the real-time live SG course sessions (including question based day debrief, where applicable).
    • Students attending an SG course in the UK will have material provided. Those studying Live Online will have material supplied to them via the Kaplan EN-gage portal.
  3. ACCA full-time 20% discount offer: This offer applies to all Kaplan Financial ACCA enrolled students and any student enrolling onto a full-time ACCA course and studying towards the June 2014 ACCA exams. You will receive a 20% discount across ALL ACCA course papers purchased as long as you sit three papers at each consecutive exam sitting from and including the June 2014 exam sitting.

    Students on the ACCA Options level of their qualification with only one or two papers left to complete are also eligible to receive the discount as long as they sit all remaining papers at the June 2014 exam sitting.

    Students starting with the Knowledge level of the ACCA qualification are also eligible to receive the discount if they sit three papers at the June 2014 exam sitting. To be eligible for this discount offer course papers must be booked between 2 September 2013 and 24 February 2014. Course paper prices are subject to change until a deposit payment is received and successfully processed.

    This offer does not apply to part-time courses, distance learning products, online products, or individually purchased published materials. This offer applies to full-time classroom courses only in London, Manchester, Birmingham and Glasgow. This offer cannot be used in conjunction with any other Kaplan Financial Limited offers. Kaplan Financial Limited reserves the right to withdraw this offer at any time. Our standard terms and conditions apply.
  1. CIMA T4 Payment Plan - this scheme is no longer available to new applicants.

    To qualify for the T4 payment plan you must have:

    1. purchased either Classroom Essential course or Live Online Tuition and Revision courses
    2. had no outstanding balances with Kaplan Financial Ltd
    3. completed a T4 Payment Plan Application and submitted it with your completed CIMA enrolment form.

    Payments are made by direct debit as follows:

    1. September sitting: 50% deposit payable on enrolment; final instalment (remaining 50% of total balance payable on 1st September 2014.
    2. November sitting: 50% deposit payable on enrolment.; final instalment (remaining 50% of total balance) payable on 1st February 2015.

    Students who buy the following courses will not qualify for the payment plan: Live Online T4 Tuition only; Live Online T4 Revision only; T4 Test Drive only.

    If any payment is not made, the full amount owed becomes immediately due and payable. Additional fees may be incurred and amounts charged (as per our general terms & conditions). Failure to make payment when due may result in refused entry to courses booked (without any refund of any fees paid or liability of our part) and no further flexible payment options will be made available.

    Payment plan is only available to enrolments made by enrolment form (no online bookings).

    Debit or credit card payments are also accepted, which will incur a £10 admin fee per instalment. Download the Credit Card Payment Application Form for the March sitting or the May sitting.

  1. AAT PassPlus full level 10% discount offer
    To be eligible for the Kaplan AAT PassPlus full level 10% discount offer a student must enrol and pay for all PassPlus courses in that level in the same transaction (details per level below). The offer is available to those enrolling on classroom or Live Online PassPlus courses. All other Kaplan courses, Computer Based Tests and Project fees are excluded from the offer. This offer is not available in conjunction with any other offer or agreement. It is subject to availability and may be withdrawn at any time without notice. The offer is not transferrable. No cash alternatives apply. If enrolling online the discount will be applied at the checkout stage.

    Level 2
    To be eligible for the 10% discount a student must enrol on one of each of the five PassPlus courses, plus the Induction course, in the same transaction.

    Level 3
    To be eligible for the 10% discount a student must enrol on one of each of the six PassPlus courses, plus the Induction course, in the same transaction. Students may additionally opt to enrol on the book-keeping course; if so they will be entitled to a 10% discount on that course too.

    Level 4
    To be eligible for the 10% discount a student must enrol on all four compulsory PassPlus courses, the Induction course, and two of the five optional PassPlus courses, in the same transaction. If a student subsequently changes their optional paper(s) to a more expensive course then the discount will be recalculated and an additional payment will be immediately due.

  2. Personal Coach Scheme - 2012-13
    The Kaplan 2012-13 Personal Coach Scheme applies to students enrolled on ACCA or CIMA Ultimate Learning Experience (ULE) courses for an exam sitting in the period November 2012 to December 2013 inclusive. The following support will be offered as part of the ULE:
    • You will be allocated a Personal Coach, who is a Kaplan member of staff.
    • The Personal Coach will discuss and complete an Individual Learning Plan (ILP) with you and give you advice on your study options based on the information you provide.
    • The Personal Coach will support you with advice and guidance during your studies, until your qualification is completed, provided you attend a course with Kaplan each subsequent exam sitting.
    • Should you be unsuccessful in an exam, the Personal Coach will provide you with guidance and support to get you Back on Track.

    Students can opt out of this scheme at any time by notifying Kaplan.

    If a student does not attend a Kaplan course in each subsequent exam sitting following that of the ULE then the Personal Coach scheme support will lapse. For CIMA the exam sittings are May and November; for ACCA the exam sittings are June and December.

    The Personal Coach scheme is not transferrable and no cash alternatives apply.

    Kaplan Financial reserves the right to change the format of the 2012-13 Personal Coach scheme or to withdraw the scheme at any time without notice. Any changes will be specified on the website www.kaplanfinancial.co.uk.

  3.   Personal Coach Scheme – 2014
    The Kaplan 2014 Personal Coach Scheme applies to selected ACCA and CIMA students who are classified as ‘new’ to Kaplan, as defined below.

    A new student is someone who is enrolled on a 2014 Kaplan Financial course, who has not enrolled on or attended a Kaplan course previously regardless of qualification, study method or location.

    A Personal Coach will be offered to new ACCA or CIMA students enrolled on and attending at least one of the specific courses listed below, in the year 2014:

    1. Classroom Part-Time Tuition, Revision, Pass&Go or Essential Course
    2. Live Online Tuition, Revision, Pass&Go or Essential Course
    3. Distance Learning Standard, Standard Plus or Premier Course

    Students enrolled ONLY on the following ACCA or CIMA courses, will not be eligible for a Personal Coach:

    1. Question Based Day (QBD)
    2. Test-Drive Day
    3. Resit / Resit Extra / Resit KickStart Course
    4. ePrep
    5. Full-time Course

    Students eligible to be allocated a Personal Coach will receive additional support during the first 12 months of studying with Kaplan, from the first date of their first Kaplan course. The Personal Coach will:

    1. Ensure you are fully aware of the resources available to you and understand how and when is best to use these resources to most benefit your studies
    2. Provide advice to maximise the effectiveness of your studying.
    3. Give guidance on how to maintain your motivation levels throughout your course
    4. 4. Help you to map out the best route for you through the qualification, taking account of your target qualification date and the best paper combinations given your background and particular strengths.

    Students can opt out of this scheme at any time by notifying Kaplan.

    This service is not transferrable and no cash alternatives apply.

    Kaplan Financial reserves the right to change the format of the 2014 Personal Coach scheme or to withdraw the scheme at any time without notice. Any changes will be specified on the website www.kaplanfinancial.co.uk.

  4. Full-Time ACCA Paper Packages - from April 2014
    The 6 packages including 5, 6, 9, 11, 12 and 14 papers are available to any student enrolling onto a full-time ACCA course. For avoidance of confusion, the Lifetime Support Guarantee, mix and match and paper resits are not included for full-time ACCA courses. Students can redeem paper(s) purchased through a package against any paper resits. Students will then need to purchase additional papers in order to progress with their qualification once all the paper credits purchased in the package have been used up.

    This offer applies only to full-time classroom courses in London, Manchester, Birmingham and Glasgow. This offer cannot be used in conjunction with any other Kaplan Financial Limited offers. Kaplan Financial Limited reserves the right to withdraw this offer at any time. Our standard terms and conditions apply.

  5. Classroom and Live Online CIMA Certificate Pass&Go multi-buy offer:

    This offer only applies when three or more CIMA Certificate classroom or Live Online Pass&Go courses are purchased online in the same transaction for an individual student.

    The courses (C01, C02, C03, C04 and C05) can either be Classroom or Live Online Pass&Go courses or a mixture between the two course types (offer excludes Distance Learning & Computer Based Assessments).

    The discount amount will be 20% of the combined price of the papers purchased and will be applied at the checkout stage of the online transaction.

    This offer is subject to availability and may be withdrawn at any time without notice. It is not available in conjunction with any other offer. The offer is not transferrable and no cash alternatives apply.

  6. CIMA Operational offer Nov14 - this scheme is no longer available to new applicants.

    When booking, in a single transaction, the Ultimate Learning Experience (ULE) for papers F1 and P1, plus Live Online Tuition for E1, the full cost of the E1 tuition course will be discounted from the order. This offer is only valid for the November 2014 exam sitting and can be purchased until 14 November 2014. The F1 and P1 ULE courses may be studied in a classroom or via Live Online courses; the E1 course is only available via Live Online as part of this offer. You may watch the E1 Live Online recordings as an alternative to attending the live course sessions; recordings will be available until 31 January 2015. The offer is only available when all seven courses are purchased online (the discount amount will be applied at the checkout stage of the online transaction) or via the telephone on +44(0)1908 540069 (office hours).

  7.   Kaplan Financial ACCA Payment Plan Terms and Conditions

    These Payment Plan Terms and Conditions apply to any person who wishes to  enter into a payment plan with Kaplan Financial. These Payment Plan Terms and Conditions are in addition to Kaplan Financial General Terms and Conditions and any other applicable Terms and Conditions which may apply to the student.

    If you and Kaplan agree to enter into a payment plan both parties will be required to sign a binding fixed sum loan agreement (“the Loan Agreement”). No agreement for the provision of credit to the applicant will be in force until both parties sign the Loan Agreement. If there is a conflict between these Payment Plan Terms and Conditions and the Loan Agreement Terms and Conditions, the Loan Agreement will take priority.

    Please read these Terms and Conditions carefully before purchasing the applicable courses and choosing to apply for the Kaplan Financial Payment Plan. Please print and keep a copy of these Payment Plan Terms and Conditions for your records. By signing up for the Kaplan Payment Plan you are confirming your agreement to be bound by these Terms and Conditions.

    1. Subject to meeting all other applicable requirements, To be eligible for a 9 month payment plan, you must:
      1. Be paying for Kaplan ACCA Part time or Distance Learning course enrolments as specified below:
        1. For the ACCA F1 - F3 subjects a Kaplan course relating to each of the three papers, with a value before any discounts of £500. For classroom and live online Pass & Go courses you will receive a discount of 10% on the combined course purchase price; for distance learning you will receive a three-for-two courses offer price, subject to the separate terms and conditions for that offer.
        2. For the ACCA F4-F9 and P1-P7 papers you must book at least one Kaplan course with a value, before any discounts, of £500.  If you enrol on courses across a minimum of two half years  a 10% discount will be applied to the total course fees
      2. Be 18 years of age or over
      3. Be a UK, EU or EEA national who is resident in the UK
    2. A minimum deposit equal to 10% of the total spend will be due upon enrolment.
    3. The maximum repayment period will be:
      1. for F1 - F4 courses:
        1. for classroom and live online courses, the combined duration of the courses, with the final payment being taken prior to the last scheduled date of the final course
        2. for distance learning courses, 12 months
      2. for F5 – F9 and P1 – P7 courses:
        1. for classroom and live online courses, the combined duration of the courses, with the final payment being taken no earlier than one week prior to the commencement of the examination window to which the enrolment relates and no later than the date on which the examination results are released
        2. for distance learning courses, so that the final payment is made prior to the final examination sitting
    4. The payment plan constitutes a fixed sum loan agreement regulated by the Consumer Credit Act 1974 for restricted-use credit. You have a right to withdraw from the credit agreement before the end of 14 days beginning with the day on which you receive notification from us that the Loan Agreement t has been executed. This must be communicated in writing to Kaplan by you.
    5. If you withdraw from the agreement, but wish to still complete the courses being enrolled on to, you must pay the Loan amount without delay and no later than 30 calendar days beginning with the day after the day you gave us notice of withdrawal. Without this payment we would reserve the right to terminate the course enrolments.
    6. If you wish to cancel the agreement early (after the 14 day withdrawal period), the full amount of credit will be due for any courses that have been commenced. There will also be a £50 cancellation charge.
    7. You can settle the agreement at any time, in full or in part, by paying us some or all of the amounts you owe us.
    8. Any variation to the repayment schedule must be agreed with us in writing one month before the relevant due dates. This would include, but not be limited to, a wish to defer the enrolments to a subsequent exam sitting following an unsuccessful exam attempt. This may prompt the cancellation of the agreement and the creation of a new agreement. In such circumstance the £50 cancellation fee may be waived at Kaplan’s discretion.
    9. In the event of any payment default or late payment, you will be subjected to a £50 late payment fee. This will be added to the next monthly direct debit repayment. Missing payments could have severe consequences, and may result in legal proceedings being taken against you. Missing payments could also make it more difficult for you to obtain credit in the future.
    10. You are entitled, under S77B of the Consumer Credit Act 1974 (“the Act”) to receive, on request and free of charge at any time during the period of the agreement, a statement of account showing the details of each instalment owing under the agreement; the date on which each instalment is due, the amount and any conditions relating to its payment; and a breakdown of each instalment showing how much comprises capital, interest and any other charges.
    11. When you apply to us for a payment plan, prior to agreeing to enter into a Loan Agreement with you, Kaplan will check the following records about you:
      1. Our own;
      2. Those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information.
    12. Based on the outcome of these checks, Kaplan at its sole discretion may offer you the payment plan.
    13. We will make checks such as; assessing the application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs to manage your account with us.
    14. Information provided during application process will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted. Information held about you by CRAs may be linked to records relating to any person with whom you are linked financially and other members of your household.
    15. In the event of default or non-payment, we reserve the right to take any lawful and necessary actions, up to and including legal action, to recover debts.
    16. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies (FPAs). If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
    17. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998. For a detailed description of how Kaplan Financial handles your data please refer to our Privacy Policy at www.kaplanfinancial.co.uk.
    18. We may use a credit scoring or other automated decision-making system in determining whether to provide you with the payment plan. We may monitor and record telephone calls for the purpose of security and training.
    19. All arrangements and any disputes or claims arising out of or in connection with such arrangements or their subject matter or formation (including non-contractual disputes or claims) between the Student and Kaplan, shall be governed by, and construed in accordance with the laws of England and Wales, and be subject to the exclusive jurisdiction of the courts of England and Wales.
    20. We may update or amend these Payment Plan Terms and Conditions from time to time without notice to the student. The applicant should check the Kaplan Financial website for the latest Terms and Conditions.  Kaplan Financial reserves the right to withdraw the offer at any time at its sole discretion.
    21. Representative example:
      0.0% APR Representative (fixed). Based on an assumed loan amount of £1,000 over 12 months at an interest rate of 0.0% p.a. (fixed). Monthly repayment £83.33. Total amount payable £1,000.
  8. CIMA Strategic offer Nov14 - this scheme is no longer available to new applicants.

    When booking, in a single transaction, Tuition courses for 2 Strategic papers, plus Live Online Syllabus Knowledge Gap for the same two Strategic papers, the cost of one Knowledge Gap course will be discounted from the order. This offer is only valid for the November 2014 exam sitting and can be purchased until 30 September 2014. The Tuition courses may be studied in a classroom or via Live Online courses; the Knowledge Gap course is only available via Live Online. You may watch the Live Online recordings as an alternative to attending the live course sessions; Knowledge Gap recordings will be available until 31 January 2015. The offer is only available when all four courses are purchased online (the discount amount will be applied at the checkout stage of the online transaction) or via the telephone on +44 (0)1908 540069 (office hours).


  9. CIMA London 25% discount offer

    This offer is by invitation only in the form of a specific email from CIMAresit@kaplan.co.uk to selected individuals who studied CIMA Classroom Tuition with Kaplan Financial in a London centre location for the May 2014 sitting. Individuals who have not been sent the email directly by Kaplan will be ineligible for the offer.

    The selected individuals who wish to take up the 25% discount offer should email their completed London resit enrolment form and exam entry form to CIMAresit@kaplan.co.uk before 17:00 on 18th July 2014, indicating on the form that they would like to claim the 25% discount. The individual should subsequently telephone the Kaplan London CIMA team on 0207 407 5000 by 17:00 on 18th July 2014, to securely pay the amount due for their resit courses over the phone by card payment. Online bookings cannot be discounted under this offer.

    The 25% discount offer is only available for CIMA London Classroom part-time Resit Extra and/or QBD courses booked for the August/September 2014 exam sitting. The offer is available to purchase until 17:00 on 18th July 2014.

    The 25% discount offer is not available in conjunction with any employer-specific discounts. It is subject to availability and may be withdrawn at any time without notice. The offer is not transferrable. No cash alternatives apply.

  10.   CIMA 2015 Professional Full Level Package 10% discount offer

    To be eligible for the Kaplan CIMA Full Level Package 10% discount offer a student must enrol and pay for specific courses in that level in the same transaction (details per level below). The offer is available to those enrolling on classroom, Live Online or Distance Learning specified courses. All other Kaplan courses and exam fees are excluded from the offer. This offer is not available in conjunction with any other offer or agreement. It is subject to availability and may be withdrawn at any time without notice. The offer is not transferrable. No cash alternatives apply. If enrolling online the discount will be applied at the checkout stage.

    In order to be eligible for the discount you must purchase a combination of courses as follows:
      Operational Level Offer Management Level Offer Strategic Level Offer
    E1 At least one course, with a total minimum value of £150    
    P1 At least one course, with a total minimum value of £150    
    F1 At least one course, with a total minimum value of £150    
    E2   At least one course, with a total minimum value of £150  
    P2   At least one course, with a total minimum value of £150  
    F2   At least one course, with a total minimum value of £150  
    E3     At least one course, with a total minimum value of £150
    P3     At least one course, with a total minimum value of £150
    F3     At least one course, with a total minimum value of £150
    Case Study At least one course, with a total minimum value of £150 At least one course, with a total minimum value of £150 At least one course, with a total minimum value of £150

    Courses can include: Tuition, Revision Plus, Case Study Complete, Distance Learning Standard and Distance Learning Premier.

  11.   CIMA Payment Plan

    These Payment Plan Terms and Conditions apply to any person who wishes to enter into a payment plan with Kaplan Financial. These Payment Plan Terms and Conditions are in addition to Kaplan Financial General Terms and Conditions and any other applicable Terms and Conditions which may apply to the student.

    If you and Kaplan agree to enter into a payment plan both parties will be required to sign a binding fixed sum loan agreement (“the Loan Agreement”). No agreement for the provision of credit to the applicant will be in force until both parties sign the Loan Agreement. If there is a conflict between these Payment Plan Terms and Conditions and the Loan Agreement Terms and Conditions, the Loan Agreement will take priority.

    Please read these Terms and Conditions carefully before purchasing the applicable courses and choosing to apply for the Kaplan Financial Payment Plan. Please print and keep a copy of these Payment Plan Terms and Conditions for your records. By signing up for the Kaplan Payment Plan you are confirming your agreement to be bound by these Terms and Conditions.

    1. Subject to meeting all other applicable requirements, to be eligible for a payment plan, you must:
      1. Be paying for enrolments on:
        1. Professional Qualification: a Full Level Package of courses, as stipulated in the full level package terms and conditions, with a minimum spend of £600 in total; or
        2. Certificate Level: Pass and Go and/or Distance Learning courses for a minimum of three subjects
    2. A minimum deposit equal to 10% of the total spend will be due upon enrolment.
    3. The maximum repayment period will be:
      1. for Professional Full Level Package courses, the duration of the full level of courses, with the final payment being taken no earlier than one week prior to the commencement of the case study examination window to which the enrolment relates and no later than the date on which the case study results are released.
      2. for Certificate courses:
        1. for classroom and live online Pass & Go courses, the duration of the courses, with the final payment being taken prior to the last scheduled date of the final course
        2. For distance learning courses 12 months
    4. The payment plan constitutes a fixed sum loan agreement regulated by the Consumer Credit Act 1974 for restricted-use credit. You have a right to withdraw from the credit agreement before the end of 14 days beginning with the day on which you receive notification from us that the Loan Agreement t has been executed. This must be communicated in writing to Kaplan by you.
    5. If you withdraw from the agreement, but wish to still complete the courses being enrolled on, you must pay the Loan amount without delay and no later than 30 calendar days beginning with the day after the day you gave us notice of withdrawal. Without this payment we would reserve the right to terminate the course enrolments.
    6. If you wish to cancel the agreement early (after the 14 day withdrawal period), the full amount of credit will be due for any courses that have been commenced. There will also be a £50 cancellation charge.
    7. You can settle the agreement at any time, in full or in part, by paying us some or all of the amounts you owe us.
    8. Any variation to the repayment schedule must be agreed with us in writing one month before the relevant due dates. This would include, but not be limited to, a wish to defer the enrolments to a subsequent exam sitting following an unsuccessful exam attempt. This may prompt the cancellation of the agreement and the creation of a new agreement. In such circumstance the £50 cancellation fee may be waived at Kaplan’s discretion.
    9. In the event of any payment default or late payment, you will be subjected to a £50 late payment fee. This will be added to the next monthly direct debit repayment. Missing payments could have severe consequences, and may result in legal proceedings being taken against you. Missing payments could also make it more difficult for you to obtain credit in the future.
    10. You are entitled, under S77B of the Consumer Credit Act 1974 (“the Act”) to receive, on request and free of charge at any time during the period of the agreement, a statement of account showing the details of each instalment owing under the agreement; the date on which each instalment is due, the amount and any conditions relating to its payment; and a breakdown of each instalment showing how much comprises capital, interest and any other charges.
    11. When you apply to us for a payment plan, prior to agreeing to enter into a Loan Agreement with you, Kaplan will check the following records about you:
      1. Our own;
      2. Those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information.

        Based on the outcome of these checks, Kaplan at its sole discretion may offer you the payment plan.

    12. We will make checks such as; assessing the application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs to manage your account with us.
    13. Information provided during application process will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted. Information held about you by CRAs may be linked to records relating to any person with whom you are linked financially and other members of your household.
    14. In the event of default or non-payment, we reserve the right to take any lawful and necessary actions, up to and including legal action, to recover debts.
    15. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies (FPAs). If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
    16. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998. For a detailed description of how Kaplan Financial handles your data please refer to our Privacy Policy at www.kaplanfinancial.co.uk.
    17. We may use a credit scoring or other automated decision-making system in determining whether to provide you with the payment plan. We may monitor and record telephone calls for the purpose of security and training.
    18. All arrangements and any disputes or claims arising out of or in connection with such arrangements or their subject matter or formation (including non-contractual disputes or claims) between the Student and Kaplan, shall be governed by, and construed in accordance with the laws of England and Wales, and be subject to the exclusive jurisdiction of the courts of England and Wales.
    19. We may update or amend these Payment Plan Terms and Conditions from time to time without notice. The applicant should check the Kaplan Financial website for the latest Terms and Conditions. Kaplan Financial reserves the right to withdraw the offer at any time at its sole discretion.
    20. Representative example:
      0.0% APR Representative (fixed). Based on an assumed loan amount of £1,000 over 12 months at an interest rate of 0.0% p.a. (fixed). Monthly repayment £83.33. Total amount payable £1,000.
  12. Kaplan Accelerate Membership – the terms and conditions of the Kaplan Accelerate Membership which apply to Malaysia Live Online courses are as follows:

    Eligibility
    1. This offer applies to all ACCA Accelerate registered students ONLY.
    2. To be eligible for this discount you MUST reside in Malaysia
    3. Annual membership payments are made as follows: Pay first initial fee of RM 50 in the first year (50% discount) Pay RM 100 for the second and third year on the membership
    4. Students in year one of the accelerate program will receive 15% discount. Students in the second year will receive 20% discount and in year three will receive 25% discount.
    5. You must purchase at least one paper per year in order to use the increased level of discount the following year.
    6. The offer is only available when courses are purchased online (the discount amount will be applied at the checkout stage of the online transaction).
    7. All amounts must be paid in full
    8. This discount is applicable for Essential and Options papers ONLY. Does not apply for Knowledge and Skills papers.
    9. iTo be used on Live Online courses ONLY. This offer does not apply to full time courses, Distance Learning products, or individually purchased published materials. Kaplan Financial Limited reserves the right to withdraw this offer at any time.
    10. This offer is valid until 31st December 2017

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