| Refund/Withdrawal Policy |

Refunds of Love Offer may be given, for a valid reason, at our discretion, if the student withdraws within fourteen days of enrollment. Refund amounts will be based on the percentage table and timeframes below.

Withdrawal Time and Percentage Table
• Withdrawals within the first 7 days of enrollment = 100% minus the $75.00 Student Enrollment Processing Fee (The $75.00 fee is currently waived for new enrollments; however, the waiver does not apply to withdrawals and the fee will be charged at the time of termination).
• Withdrawals within the 8th to 14th day of enrollment = 50% minus the $75.00 Student Enrollment Processing Fee (The $75.00 fee is currently waived for new enrollments; however, the waiver does not apply to withdrawals, and the fee will be charged at the time of termination).
• Withdrawals after 14th day of enrollment = 0%
(No refunds after this period. No exceptions, other than for Special Circumstances as listed in this policy)

Withdrawal/Refund Procedures
Withdrawals and refund requests must be in writing, submitted by certified postal mail, and credited based on the postmark date on the envelope. The requests for withdrawal should include the reason for the withdrawal, if you should consider re-enrollment at a later time. The requests should be mailed to:

101 North First Avenue, STE 2325 1279, Phoenix, AZ 85003 USA

Withdrawal from the PayPal Auto-Debit Subscription

Withdrawal or cancellation of the PayPal auto-debit subscription requires the student to contact PayPal since the auto-debit subscription is a private arrangement between the student and PayPal, and NTS has no authority over the student’s private PayPal auto-debit subscription.

Re-Enrollments after Withdrawal
In cases where the withdrawal of the student is considered to be for acceptable reasons (this solely at the discretion and approval of the University), students may re-register and begin where they left off with their studies, with prior or amended payment arrangements, and a $75.00 re-enrollment registration fee (the current waiver will not apply). Any funds paid by a student who has been approved for re-enrollment that were not refunded because the initial withdrawal was not accomplished within the established time frame will be credited to the student’s degree program’s account.

Special Circumstances
In case of death or involuntary call to military duty, NTS will return 100% of the Love Offer amounts received, if such event takes place within 90 days of enrollment.

| Seminary Disclaimer and Release of Liability Policies |

Christian Alliance Ministries and Northwestern Theological Seminary, hereafter referred to as CAM/ NTS, offer Christ-centered education to the world as the central function of our worldwide ministries. This is a legally binding release made by you through your action of submitting your application form to CAM / NTS. Our Ministries are not regulatory agencies.  While every effort is made to insure that information and education are provided in accord with high standards, and is current and accurate, no representations or warranties, expressed or implied, are guaranteed by Christian Alliance Ministries / Northwestern Theological Seminary regarding staff, board members, directors, officers, employees, faculty, advisors, ministers, agents, or anyone associated with the above-stated ministries or any form of NCU education/program content. By submitting this application and (or) enrolling, you agree to this liability statement. Furthermore, you agree that, in consideration for any education or learning opportunity provided to you, you understand that this is a ministry related educational program and not for secular employment purposes or for monetary gain and that such education is not regionally accredited or approved by the U.S. / D.O.E. You will assume and take on yourself any and all of the risks and responsibilities in any way associated with your future following graduation, including assessment of the quality and competency of the education that you have freely chosen from CAM / NCU. In addition, you fully release and hold harmless Christian Alliance Ministries / Northwestern Christian University and all of its staff, board of directors, directors, officers, employees, faculty, advisors , ministers, and agents from all liability, claims or actions that may arise to or from yourself, in connection with the decision to enroll, attend, or participate in any way, with any of the Christian Alliance Ministries including Northwestern Christian University. You recognize fully, that this release means that you are giving up among other things your rights to sue The Office of the Presiding Pastor of Christian Alliance Ministries and His Successors, a Corporation Sole (Northwestern Theological Seminary Fellowships and Worldwide Church of Jesus Christ Fellowships), it’s staff, board members, directors, officers, employees, faculty, advisors, ministers, agents or anyone associated with the above stated ministries, for damages, injuries or losses you may incur through or resulting from any of the the services or educational programs that you may receive from this ministry organization. You also fully understand that this release binds your heirs, executors, administrators, and assigns, as well as yourself and your dependents.