You may refill your personal account via credit card* (Visa, MasterCard, Diners Club) in the “My business” — “Add money” section. To refill your personal account:

• Enter the amount in the US dollars that you want to credit to your personal ISIF account and click on “Add money”.

• Choose the payment method. Click on “Add money”.

• On the next page you will see the required form. Fill in all the fields in Latin letters. When you have entered all the data correctly click on “Add money”.

• On the site of electronic payment system, enter your credit card details.

• Confirm your transfer by clicking on “Pay”. Warning! Once you have clicked “Pay” you will be unable to cancel the transaction.

• If the transaction is completed successfully you will receive a confirmation.

* Commission for transferring funds is 5%.

You may pay for courses via your personal account, “My ISIF”, in the “Pay for courses” section. Choose the number of months for which you would like to pay and the corresponding method of payment:

• Payment by credit card.

• Payment from your ISIF account.

Payment by credit card

• Choose the payment method. Click on “Buy now”.

• Fill in, using Latin letters, all the fields of the required form. When you have entered all the data correctly click on “Buy now”*.

• On the site of electronic payment system, enter your credit card details**.

• Confirm your payment by clicking on “Pay”. Warning! Once you have clicked “Pay” you will be unable to cancel the transaction.

• After confirmation, your payment for tuition at ISIF will be processed automatically.

• If the transaction is completed successfully you will receive a confirmation.

Video instructions on how to pay for your ISIF tuition by credit card

• Payment via the Voice Pay system
• Register with the ClickAndBuy system
• Payment via the ClickAndBuy system

* Payment is accepted in the US dollars.
** You can pay for courses at ISIF via the following credit cards: Visa, MasterCard and Diners Club.

Commission for paying for courses by credit card is 6%.

Payment from your ISIF account

• You may choose this method of payment if you already have sufficient funds in your ISIF account to pay for courses.

• Click on “Next”. After confirmation, the payment for tuition at ISIF will be processed automatically.

• If the transaction is completed successfully you will receive a confirmation.

Warning! Commission for paying for courses from your ISIF account is 1%. Payment is accepted in US dollars. The “Pay from ISIF account” transaction cannot be cancelled.

Payment cannot be transferred to other students! If you would like to pay for another student's courses, you must transfer the money to the student for him/her to subsequently pay via his/her personal account.

You may transfer money via your personal account, “My ISIF”, in the “My business” — “Money transfer”* section:

• Fill in the required form, having stated: recipient’s login, his personal number, the amount you would like to transfer (please write only figures — no commas or spaces), then click on “Send”.

• The system will ask you to check the entered data. If you have entered the data correctly, click on “Send”. Be careful when filling the “Money transfer” form in. After you have clicked on “Send” for the second time you will be unable to cancel the transaction.

You may transfer funds to any student regardless of the structure he/she belongs to.

* Students in the Beginner status may not transfer money to other students. The maximum sum of transfer that a student in the Beginner status may receive or credit to their ISIF account is $1 400 per month.

Every month we pay compensation to those students of the School who collaborate with International School of Investment and Finance. The compensation fees are taken from the income, generated by the School from students' tuition fees.

Payment for tuition

• One month of tuition — $99*.

• One year of tuition — $990*.

* Plus 1% commission for payments made from the student’s personal ISIF account; plus 6% commission for payments made by credit card; plus 5% commission from transferring funds to the School’s account by credit card.

Payment of compensation under the marketing plan is carried out from $100 ($99 and 1%).

Students beginning courses with the International School of Investment and Finance are entitled to benefits during their first three months of study for the education of students they have personally attracted to the program under the start-up marketing plan.

Starting with the fourth month, students are entitled to benefits for the education of students they have personally attracted to the program under the leadership marketing plan.

* Only for partners in Gold qualification and higher. Partners in qualification Active students receive $5 from the payment made by the students of the I level.

Only for partners in Diamond qualification and higher.

Only for partners in Diamond II Carats qualification and higher.

Students in Diamond IV Carats, Diamond VII Carats and Diamond X Carats qualifications under the leadership marketing plan are entitled to discount bonuses from the VII line and below depending on their current qualification:

• Diamond IV Carats – up to 3%.
• Diamond VII Carats – up to 4%.
• Diamond X Carats – up to 5%.

Within the 24-hour period after the closure of a certain period each student can see in his/her personal office a preliminary report with no actual payments.

During this time the student has to study this information. If the student does not agree with the data he has to write a claim via the “Feedback” section stating the mismatches in the report. The claim will be processed by the technical support service. If genuine deviations are found corrections will be made.

After expiration of the 24-hour period, claims about mismatches in the report will not be accepted. At that moment final payments will be made which cannot be cancelled.

To transfer compensation to your personal bank account you must:

• In the “My Business” — “Transferring compensation" section, choose the corresponding transfer method — “Bank account”.

• If you are transferring compensation for the first time, you will be asked to complete a contract by filling in the required form, specifying your personal data and bank details*(**).

• Click the “Save” button.

• On the next page you will see the contract — familiarize yourself with it and check the data that you have entered is correct. If you want to make changes to your personal data/bank details, use the “Back” button. If your personal data/bank details are correct, press “Save”***.

• After that your contract will be forwarded to our dedicated staff who, having processed your data, will confirm the transfer of funds to your bank account.

• The School will transfer your funds within 30 days after closing of the period.

• All the following compensations will be automatically transferred to your personal bank account. If you want to receive your compensation in a different way then you need to select the corresponding method in the “My business” – “Transferring compensation" section.

* All the data should be typed in Latin letters.
** Provide bank details for calculations in the US dollars (USD).
*** Be careful when entering personal data and bank account details. After you confirm the data you have entered, it will be impossible to change the contract. The contract is not subject to adjustment. If the data you provide is incorrect, your bank won't be able to effect payment.

Distributors can transfer compensation to personal bank account under the condition that their compensation exceeds $100 per month.

Warning! According to the School’s rules the whole amount of your compensation for the period will be sent to your bank account.

To transfer your compensation over to your EPAY card, you must:

• Go to the “My Business” — “Transferring Compensation” section, and choose the “EPAY Card” transfer method.

• After you have read the introductory information on using the card, you'll be directed to fill out the order form for the card. You'll also have to attach a copy of your current passport*.

• After you have filled out all the required fields, click “Next”.

• The next page will display the information you entered as well as the copy of your passport. Make sure all your information is accurate. If you need to change any of the information you've entered or upload a different copy of your passport, click “Back”. If the information is correct, click “Save”**.

• Next your card application will be sent to the appropriate employee for processing and confirmation. After this, you’ll receive a letter with subsequent instructions.

•  After clicking “Save”, the cost of the card will be deducted automatically from your personal account. The cost of ordering the card includes the cost of delivery.

• Your card can be delivered by standard mail or a courier service. If you choose standard delivery, it will take 10 business days on average for your card to arrive. If you choose a courier service, you can expect the card to arrive in 5 business days on average.

• After you receive your card, you must register it on the ISIF site. In the “My Business” — “Transferring Compensation” section click on “Register Card”.

• In order to register your card, you'll need to enter its last four digits in the on-screen form and click “Save”. Registration of your card will be completed on the following business day.

• After your card is registered, you'll receive a confirmation letter with subsequent instructions as well as full information on transactions and fees.

• Your compensation will first be transferred to your card no later than the 10th business day of the month following the month in which you ordered the card.

• After compensation has been transferred to your card, you must activate your card. In order to activate your card, call the number: +1 866 671 5924 (USA) and choose Option 2 to start the activation process of your card and create your unique four-digit PIN. Activation occurs instantaneously.

• After completing these steps, you can begin to use the card.

• All subsequent payments will be transferred to your EPAY card by the 10th business day of each month by default. If you wish to receive your compensation in another way, select your preferred method in the “My Business” — “Transferring Compensation” section.

* All information must be entered in Latin letters.

** Be careful when entering your personal information and uploading a copy of your passport. Once you confirm the accuracy of your information, you will no longer be able to change it. If the information is incorrect, your card application will be declined.

Distributors receiving $500 per month or more in compensation are eligible to order an EPAY card.

Please note that under ISIF's rules and regulations, the complete sum of compensation for each period is transferred.  

Period — a period of time by the end of which students receive compensation. Usually it is a calendar month.

Intending student — a student who has agreed with the terms of education at our School and has completed the registration procedure.

Student — a student who after registering has taken at least one course at our School.

Active student — a student who after registering is taking a course in the current month.

Distributors of this qualification have the right to receive compensation according to the fixed marketing plan.
 

Student activity is counted by periods (see “What is a period?”, “What does the “Active Student” qualification mean?” questions).

For example, the 18th period lasted from March 1 to March 31, 2010.

If a partner pays for tuition on March 10, then from a business point of view this means that he will be Active during March. On April 1 he will have Student status until he does not make a payment during the next period, i.e. during April.

In terms of training, student will receive all the lessons paid for during the period in the calendar month. Lessons will be opened at specified intervals, usually 7-8 days (see the question “What are the terms and conditions of tuition fees?”).

The information panel displays Activity as follows: day / month / year. For example, 31/03/10 means that the student is Active until the end of March 2010. Education is paid until 10/04/10 means that the student will be receiving lessons during one month after the payment.

Diamond group — a group, in which there is at least one student with the Diamond qualification.

Carats — the number of Diamond groups.

The career plan is a program of career advancement for distributors. The plan’s main goal is to acknowledge and encourage the work of the School’s most active distributors, and provide incentives for their expansion and development. Depending on their accomplishments, distributors are granted a range of qualifications by the International School of Investment and Finance:

• Active Student
• Gold
• Diamond
• Diamond II Carats
• Diamond IV Carats
• Diamond VII Carats
• Diamond X Carats

Terms of obtaining qualifications

We recommend designing Lifestyle cards of high quality and publishing them in a professional printing-office.

Distributors can also use ready-made templates:

• Lifestyle cards (3 Mb) — Need a vacation?
• Lifestyle cards (3 Mb) — Do you own your life?

You can open a ready-made template in Adobe Illustrator CS2.

To take part in a Webinar students of the School have:

• To click on the link which will be available in the “My Education” — “Webinars” section.
• If the program is not downloaded on your computer then you’ll be asked to download it, by choosing the necessary program from the list “Accept”, “Install” and “Join”.
• After you download the program you will have to enter your name after that you’ll be able to join the Webinar.

* Webinars are only available to active students of the School.

Please note: in the “Voice & Video” area you will see the speaker. If this isn’t visible, then click on “Voice & Video” from the menu which is situated at the top. If you want to ask the presenter a question click “Q&A” on the menu at the top. In the opened window write your question and click “Ask” to send it.

Before starting the on-line education process, we suggest that you watch the following videos:

• How to take part in a webinar
• How to adjust video and audio while watching a webinar
• How to ask the webinar presenter a question

The International School of Investment and Finance offers educational courses over the Internet. It is up to the student when to study, where to study, and what language to study in. The three main subjects taught by ISIF are financial success, money, and the art of investing.

The main courses and types of training offered at ISIF are:

Develop and Grow Rich. This is a short course consisting of 6 lessons that teach you the methods of achieving financial success, placing you on the path to self-improvement and prosperity. Each new student receives this course free upon registering on ISIF's site.
Master of Personal Finance. This is a course about the world of finance, which teaches you how to save, manage, and grow your money. You will receive 4 lessons a month for 12 months, for a total of 48 lessons. You'll receive the first lesson from the Master of Personal Finance course the day after your tuition payment is received.

Master of Investments. This is a practical course that helps you to better understand and get a feel for events in the world of finance and investment. A new lesson comes out each week. You can access your first lesson the month after your tuition payment is received. This is an ongoing course with no end date.

Master of Success. This is a course that will teach you all there is to know about success. The secrets of prosperity will be revealed to you by preeminent entrepreneurs and instructors. You will receive a new lesson each week. You can access the first lesson a week after your tuition payment is received. This is an ongoing course.

Master of Network Marketing. It is a course that will teach you how, with the help of Multi-Level Marketing, ISIF and Don Failla's system for starting your own business, you can achieve financial success and take charge of your own life. The course consists of a total of 12 lessons, which you will receive at a rate of 4 lessons per 3 months.

Video Master Class. Video lessons shed light on topics ranging from self-improvement and personal growth to communication and leadership, the secrets of success and motivation, and much more. Thanks to the video master classes offered by ISIF you'll be able to study with outstanding instructors and some of the best speakers around. Video lessons come out on a weekly basis. You'll be able to access the first lesson one week after your tuition payment is received. New lessons are released on an ongoing basis.

Webinars. You can tune into live streaming video offering information that can boost your value on the market tens and even hundreds of times over. By tuning in to these Webinars, you can learn about personal finances, investing, marketing, leadership, success, business, planning, setting goals, public speaking, image, and many other aspects of finances prosperity from successful entrepreneurs, talented top managers at leading firms from around the world, and great instructors and speakers. Webinars come out on average once every two weeks. The first Webinar will be available to you within a month after you pay your tuition. Online lessons have no end date.

Become the leader of your life. This weekly personal training programme from Robin Sharma, “Become the leader of your life”, is the most dynamic course, helping you to become the leader and achieve unprecedented success irrespective of your sphere of business. The course is designed for completion over a year.

Having become an Active student at ISIF, you will receive as a gift*, 8 weeks personal training with the universally recognised, master of leadership and success, Robin Sharma. You will be able to access the first lesson of the course in the week following your payment for training.

All partners who have paid for the entire year of training at ISIF this month will receive Robin Sharma's training program free as our gift to you.*

* On the condition that activity is maintained throughout the duration of the course.

Tournaments. ISIF offers its students the chance to participate in virtual Internet competitions, pitting students from all over the world against one another in investment wagers. The winners receive special bonuses that go toward paying for on-site training with ISIF. The contestants with the best results will receive cash and other prizes. Students can take part in these tournaments afret registering at the School. Each tournament lasts 3 months, with one round per week for a total of 12 rounds. Students can participate on the condition they have bonuses on their account.

In order to continue studying at ISIF, you must be an active student, meaning you must pay your monthly tuition.

To receive an ISIF certificate you must:

• Finish the Master of Personal Finance course.
• Pass the online exam.
• Write feedback to our company with your postal address. We’ll send you a certificate to this address.

When you place the cursor over the student’s login the following information is shown:

• Icon of a man — student’s login.
• Yellow circle with ID — student’s serial number.
• Coins — the funds available in the student’s personal account.
• Bag with coins — group payments.
• Calendar — date of registration.
• Mobile phone — student’s mobile number.
• Green man* — an Intending student.
• Blue man — an Active student.
• Grey man — a Student.
• Yellow man — Gold.
• Colored man — total amount of students in the group.
• White diamond* — Diamond.
• Blue diamond — Diamond II Carats.
• Red diamond — Diamond IV Carats.
• Green diamond — Diamond VII Carats.
• Crystal diamond — Diamond X Carats.

* Each icon of a man/diamond indicates the student's qualification in the current period.

If you’ve forgotten the password to your personal account, "My ISIF", then:

• Click on the "Forgot Password?" link on the homepage of the School’s website.
• In the pop-up window, enter your login, email address, and the confirmation code sent to you upon registration.
• Click on "Send".
• A message will be sent to your email address with a link to change your password.

To change your password you must enter the "My data" section, then:

• Click on the "Change password" link.
• Enter your old password in the section marked "Old password".
• Enter your new password twice in the sections marked "New password" and "Confirm password".
• To save the changes click on "Save".

To change your data you must enter the "My data" section, then:

• Click on the "Change data" link.
• Change the necessary data.
• To save the changes click on "Save".

In this section you can change all your data except your name, last name, login and your date of birth. Registration date and serial number are given to the student automatically.

By regularly studying, a student can elevate their status with ISIF. One month of training warrants one status level upgrade. Statuses are given in regards to the current period. The more a student studies, the faster they rise. If a student skips training, their status level will fall just as fast. Students with higher statuses have more opportunities to take part in tournaments as well as on-site and distance training programs

A student can receive one of the 12 statuses:

• Beginner, Level III
• Beginner, Level II
• Beginner, Level I
• Advanced, Level III
• Advanced, Level II
• Advanced, Level I
• Professional, Level III
• Professional, Level II
• Professional, Level I
• Master, Level III
• Master, Level II
• Master of Investments and Finance

By paying for one month at the end of the current period a student will receive 100 ISIF bonuses. Having paid for the entire year of training at ISIF you will receive 2 000 points.

In the future students will have the chance to exchange bonuses gained for tickets, allowing them to take part in events organized by ISIF. Also, by using bonuses students will be able to take part in ISIF investment tournaments.

The “Statistics” section displays the number of new (Free) and active students who have begun study at ISIF thanks to your work during the current period. Here you can also find information on the number of surveys and Welcome Mails sent from the Lifestyle site, both in numbers and in percentages.

If you click on “More” you will see a list of the active students who belong to your structure by level and the number of new/active students on each of them for the chosen period(s). Also here you will see the number of sent Welcome Mails and received surveys.

After selecting a particular student in the first table, in the second table you will see all the above mentioned indexes for the active students of his/her structure, and on the picture you will see statistics for the whole group.

If you find a misprint or error in one of our couse lessons, please let us know. We will be highly appreciative of the help to our School!

To inform us about an error or misprint in a lesson you should:

• Select the part of the text in which there is a misprint/error.
• Simultaneously press "Ctrl+Enter".
• In the new window you should specify the misprint/error in the text and offer the correct version from your point of view.
• Your notification will be sent to the technical support service, who will verify the information and, if necessary, make corrections.

In case a student mistakenly makes a double payment for courses, the technical support service is able to cancel it.

For the refund of the funds the student has a 24-hour period to make a claim through the “Feedback” service, indicating the date and the amount of payment. The statement will be processed by the technical support service, after that funds will be returned to your personal account with the School.

After expiration of the 24-hour period, cancellation claims for double payments will not be accepted. The second payment made by you will be considered as payment for the following period

If your login name has an underscore in it and the register link isn't working, you need to replace the underscore in the link with a hyphen.

For example, if your login is “ISIF_Diamond”, the register link will be: http://ISIF-Diamond.isifedu.com/user/create.

This is why we recommend that you not use an underscore in your login name.

The Lifestyle site is exclusively available for current students. After the first payment is made, current students need to create their own site on the Own Your Life page. For entrance into the personal section of your site, you need to enter the following:

• Within the login field- your login to ISIF.
• Within the password field- your ID to ISIF.

Create your own settings on the Lifestyle site*:

• Create an original URL, in other words, your own unique Internet address (for example, Shumil).
• Load onto the site your own personal history, and choose a necessary language and a photograph.
• Choose an appropriate status and establish the needed default language on the site.

Here you can change your password for entrance into the Lifestyle site.

In the case that a student has an outstanding balance for their studies for more than two consecutive months, access to the Lifestyle site will be limited.

* If you have concluded a family contract then in the field 'Name' you need to state both partners' names, and in the field 'Trainer' choose from the drop-down list of 'Trainers'.

If you have forgotten your password for the Lifestyle site, then you can create a new password within the 'My Information' – 'Lifestyle site' section:

• Enter the password that you use for authorization within the ISIF system.
• Enter a new password for authorization within the Lifestyle site twice.
• In order to save the changes, click on the 'Save' button.

To facilitate teaching and business development for our students and distributors, the function 'Profile setting' was created, with the help of which students can independently choose and establish the appropriate default language and page of the School's site.

In order to do this, a student needs to choose the appropriate settings within the 'My information' – 'Profile settings' section. In order to save the changes use the 'Save' button.

In order to write a statement within the feedback section, new students* need to create their own account within the 'Feedback' section. In order to do that the following is needed:

• Surname, name and patronymic as indicated within the system
• An active email account** that can be used as a password
• A password for system authorization needs to consist of a combination of numbers and Latin symbols with a minimum of three characters.
• Click on 'Save'. After this, you will be redirected to the feedback site, where you can now undergo authorization.

In the 'Settings' section you can correct your personal information as well as establish a default language, time zone, change your password, etc.

*Attention! Only current students may write statements within the 'Feedback' section.
** We recommend using a well-known email provider, such as Gmail, Yahoo or Hotmail.

If you have forgotten your feedback system password, then you can create a new password within the 'My information'- 'Feedback' section:

• Enter the password that you use for authorization within the ISIF system.
• Enter a new password for authorization within the feedback section twice.
• In order to save the changes, click on the 'Save' button.

If you have forgotten your Internet Income System password, then you can create a new password within the section 'My information' – 'Income System':

• Enter the password that you use for authorization within the ISIF system.
• Enter a new password for authorization within the Internet Income System twice.
• In order to save the changes, click on the 'Save' button.

If you have forgotten your password for the authorization within the Alpha Networker system, then you can create a new password within the section 'My Data' – 'Alpha Networker':

• Enter the password that you use for authorization within the ISIF system.
• Enter a new password for authorization within the Alpha Networker system twice.
• In order to save the changes, click on the 'Save' button.

If you would like to receive notification of new ISIF lessons to your email*, then in the section “My Data”- “Subscribe” you need to put a tick next to the needed courses and save the changes.

You can also unsubscribe from mailings here.

Students with a Diamond qualification or higher have the possibility to access SMS notification**, which allows them everywhere and always to be in the know of the latest news of the School. To activate this service is very simple.

• The student needs to indicate their mobile telephone number*** in the “My Data”-“Activate phone number” section.
• An sms with the activation code that is necessary to insert in the same section will be sent to the telephone subscriber.
• Then, in the section “My Data”- “SMS Subscribe” tick off the point “News”.
• You will receive all the latest SMS-notifications on the new news of the company on your mobile telephone.

* From our side, we recommend that you use a world-wide, well-known email providers, such as Gmail, Yahoo, and Hotmail.
** This service is free!
*** From the drop-down list, choose the country code and in the blank field without spaces nor hyphens enter the operator code and telephone number.

In order to change an E-mail in the ISIF system, a student needs to write a statement to the feedback system with a stated active email address*. The statement will be sent to the technical support service that carries out corrections.

*The email will be changed in the personal student data as well as in the Income Online and the Alpha Networker systems under the condition that the student has purchased those systems.