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ALL 10 Policy - Repeat Customers
Effective December 20, 2008
This policy applies to customers who purchased a Study Program and/or Seminar
from ALL 10, Inc. in the previous session and subsequently failed the CAS exam.
The policy covers customers who purchased a product from ALL 10 on or after the
effective date of the policy.
This policy is in effect through 11/1/2010, and does not apply to
candidates that purchased a product prior to 11/1/2010 and will be
sitting for exams aligned with the the 2011 CAS syllabus.
Introduction
It is ALL 10's desire to see all of our customers pass the CAS exams for which
they have purchased our Study Programs. When this doesn't happen, we will make
available a variety of incentives and discounts that will allow the customer to
acquire updated study materials to prepare for the next sitting of the exam.
The specific incentives and discounts vary according to the product that was
originally purchased, and in no case are these incentives and discounts available
to customers who purchased materials more than one session prior to the current session
(for example, a customer who purchased ALL 10's Exam 5 study materials in 2006
would not be eligible for discounts in 2009).
Available Discounts
Discounts for Seminar Attendees
For those customers who attended an ALL 10 exam 5 or exam 6 seminar and subsequently
failed the exam, ALL 10 will make available our Ultimate program (including Study
Manuals, additional Prep Tests, and Online access) for a flat fee of $125 plus shipping.
Customers may only purchase the Ultimate program associated with the same exam for which
they attended the Seminar, and this offer expires one year after the seminar date.
Discounts for Purchasers of an ALL 10 "Ultimate" Study Program
For customers who purchased an ALL 10 "Ultimate" Study Program and subsequently
failed the exam, ALL 10 will extend a 30% discount on the purchase price of the
updated "Ultimate" program for the next available session. In this case, the
discount is only available on the Ultimate program associated with the same exam
for which the Ultimate Study Program was previously purchased, and is only valid
for the first applicable session following the original purchase date.
Discounts for Purchasers of an ALL 10 "Essential" Study Program
Customers who purchased an ALL 10 "Essential" Study Program and subsequently failed
the exam may purchase the additional volume of Prep Test questions in the next
applicable session for a flat fee of $125 plus shipping. In this case, the customer
will not receive online access or updated Study Manuals, and the special offer only
applies to the additional Prep Test questions for the same exam for which the
Essential Study Program was previously purchased.
What's NOT Available and Why
From time to time, customers have requested free online access to the subsequent session,
free updated study materials, free update packets, and various other things following a
failed attempt at a CAS exam. We've taken a great deal of time considering these possibilities,
but decided against offering them. Although we've decided not to extend these kinds of offers,
we felt that it was important to explain our rationale for the decisions.
Updates
We simply don't have the resources to produce an "updates only" version of our paper based and
online study materials. Each year we incorporate a significant number of changes to our paper
based and online materials, and attempting to split out yet another version of the materials
is extremely time-consuming and not cost-effective. Given the small number of our customers
who fail their exam and request some special consideration, we simply couldn't justify the
required effort to create an Update packet each year. The likelihood of passing a CAS exam
on a second attempt when utilizing ALL of our paper based and online resources diligently over
a four month period is far greater than having access only to a set of updates.
Free Online Access
We incur significant costs to maintain and publish our online content (e.g., technology, programming
resources, hosting, bandwidth, etc). In much the same way that we update our paper Study Manuals
each year, we also cascade those changes into our online study program. We invest a significant
amount of time updating all of our online study modules over a four month period leading up to the
exams, in order to provide better study aids year after year. Ultimately, granting online access
without the updated manuals would be of little value, since the two components of the system work
hand-in-hand to prepare you for your exams. Providing customers with only part of the total
solution doesn't seem like the best way to help them pass the exams.
Free Updated Study Materials
Setting aside for a moment the significant investments we make each year in producing updated study
manuals, the sheer cost of printing precludes this kind of offer. In order to fund an effort like
this, our prices to all of our customers would have to increase, which doesn't seem fair to the
majority of customers who would never avail themselves of an option like this. Generally speaking,
there is a tendency to undervalue anything that is simply given away for free.
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