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Wall Street Oasis » Forums » Business School Barrage
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MSF Question and Answer
 

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TNA's picture
TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/9/13 at 8:18pm
Masters of finance q and a.png

I get a ton of emails and answer a ton of posts asking similar questions so I thought I would answer the most common ones I get here and allow others to post their questions so everyone can see them and the subsequent answers. Hope this helps.

Summer Analyst Eligibility
• The SA position is really structured for undergraduate students. The whole reason undergraduates go for a SA position is because they aren’t ready to work full time. If you are in a one year masters program is really doesn’t make much sense to try for an SA spot when you are eligible for FT analyst recruiting.

Now if you feel that you need internship experience in order to be more competitive then your best bet is to look for an unpaid internship or something off cycle. This will give you FO finance type experience, increase your knowledge and something you can do during the school year thereby not making you ineligible for full time positions.

Does this mean you can’t apply for a SA gig? No. Smaller banks might be more open to this and through networking you might be able to go over HRs head, but if you can go for full time recruiting I would advise you do so.

Admissions advice

• I get this question at least 10 times a week. MSF programs are very different than MBA programs when it comes to admissions. You need to have the quantitative ability to succeed in the program and you also don’t really get points for having diverse experience like you do in an MBA program. It is a specialized degree after all.

Low GPA (3.0 and below)

• Not a deal breaker. You need a strong GMAT (650 or higher). You need some finance internships and/or work experience. You need to explain when your GPA was low. You need to have a polish application. I’ve helped and know people with sub 3.0 GPA’s get into all the main programs that everyone asks about.

Low GMAT (600-ish)

• Once again, not a complete deal breaker. You need to have a higher GPA, work experience, something to offset you. Lower GMAT will lower your shot at some MSF programs that tend to really focus on gmat scores, but it isn’t a deal breaker like it would be in the MBA world. You just need to really be able to sell the fact that you can handle the rigor of the program and get a job.

No work experience

• This won’t hurt your application, but it could hurt your recruiting. You really want to have some type of work/internship experience on your resume. There are so many things you pick up from having to show up to work and work with other people that can’t be replicated in school. Get some experience, somehow.

What program should I attend?

• The million dollar question. You need to ask yourself where you want to work, do you need an internship, what type of career you are looking to get into, do you like the campus/surrounding area/program, etc. This isn’t a math equation. Villanova is very different than Ohio State. WUSTL is very different from Claremont McKenna. Dukes MMS program is very different than UT Austin. MSF’s are very regional and place as such.

Different programs also provide different internship opportunities throughout the school year. They are also set up differently. Some have a cohort where everyone takes the same classes together. Some have a hybrid program. Some have students take MBA level finance classes.

And why do I say you need to decide this yourself? Because if you can’t figure out where you are most comfortable and what you want to do once you graduate you are going to have trouble regardless of where you go. Indecision is probably the biggest thing working against MSF students because of the tight timeline everyone is working under.

You need to know what you want to do and how you are going to go about doing it before Day 1 of class. And this includes knowing basic questions about yourself and career which easily narrow down which school you want to attend.

MSF Rankings

• There are none. A lot of stuff is ad hoc and puts MSF programs into tiers or whatever, but the degree and schools offering the degree haven’t reached the level of the MBA degree. Even within the MBA you can’t just look at pure rankings without factoring in career aspirations and local. Best thing you can do is look at placements and program locations and choose accordingly.

MMS vs. MSF

• MMS is a great degree and has some overlap with the MSF so it is often seen as a competitor. The main thing to consider is that the MMS is basically an MBA for students without the required work experience. It is ideal for those students who have liberal arts undergraduate degrees and are looking for a general, business overview. While it can place you into a financial role, I think too many people pursue it simply because of brand value which I feel can be a risky bet.

CFA vs. MSF

• CFA is great, but is a poor comparison. Many MSF graduates get their CFA and many students who have L1-L2 completed pursue an MSF. Both are great, have value and should be considered independently.

MSF vs. MBA

• Same advice as above. MSF is more of a mini reset button, allowing students another year in college to pursue their goals. MBA is for experienced individuals looking to rebrand, change careers or advance in their current industry.

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Tags:
  • MSF
  • Masters in Finance
  • Master in Finance
  • Business School Barrage
TNA's picture

Any other questions post here

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/6/13 at 5:18pm

Any other questions post here and I will answer them as they come.

MSF Website
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cakepie's picture

Are companies still confused

cakepie
      CF
 
(Orangutan, 300
 
Points)
 on 1/6/13 at 6:10pm

Are companies still confused what exactly a MSF is and why it different from other degrees? I ask because I always used to hear that people had to spend a considerable amount of time in each interview explaining to the recruiters what degree they are actually getting, let alone why it is valuable.

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KKS's picture

Anthony, great post. When

KKS
      IB
 
(Gorilla, 640
 
Points)
 on 1/6/13 at 6:38pm

Anthony, great post. When interviewed for FT, I am sure the question of "Why MSF?" will come up. How can you defend your choice when you pursued an MSF for another shot at FT recruiting?

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HowardRoark's picture

Anthony, do you know how

HowardRoark
      O
 
(Orangutan, 330
 
Points)
 on 1/6/13 at 8:03pm

Anthony, do you know how easy/difficult it might be to get a summer internship at a bank or boutique? Not necessarily an SA position per se, but just showing up and helping out/learning the environment. Also, to what extent would someone who does this be disadvantaged in comparison to other MSF students who have done SA positions before??

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TNA's picture

cakepie: Are companies still

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/6/13 at 8:05pm
cakepie:

Are companies still confused what exactly a MSF is and why it different from other degrees? I ask because I always used to hear that people had to spend a considerable amount of time in each interview explaining to the recruiters what degree they are actually getting, let alone why it is valuable.

More people are starting to know about the degree, but it is still not as well known as other degrees. Have a 10 second elevator speech to describe it.

"One year, specialized graduate degree focused entirely on finance." Something along those lines.

MSF Website
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TNA's picture

KKS: Anthony, great post.

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/6/13 at 8:06pm
KKS:

Anthony, great post. When interviewed for FT, I am sure the question of "Why MSF?" will come up. How can you defend your choice when you pursued an MSF for another shot at FT recruiting?

You wanted to study finance more in depth. You tried your best, but couldn't secure a FT position and wanted to learn more while having another shot at recruiting. You wanted to do banking and tried, but realized that you needed to beef up your resume so you did a masters, interned and XYZ.

MSF Website
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TNA's picture

HowardRoark: Anthony, do you

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/6/13 at 8:11pm
HowardRoark:

Anthony, do you know how easy/difficult it might be to get a summer internship at a bank or boutique? Not necessarily an SA position per se, but just showing up and helping out/learning the environment. Also, to what extent would someone who does this be disadvantaged in comparison to other MSF students who have done SA positions before??

Send out emails and call up boutiques in the area. This is why I mention in my original post that you need to know what you want to do and what you need to do to achieve this. If you feel like you need an internship you are better off picking an MSF program located near an urban area with potential internships. If you already have an SA or two you can decide on the program without thinking about the need to intern.

Are you at a disadvantage? Yeah, I would say so. You can make up for this with a good GPA in your masters, an unpaid internship, superior networking skills, etc.

MSF Website
MACC Website
MSF Twitter

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lasampdoria's picture

Great post ANT, this needs to

lasampdoria
      CF
 
(King Kong, 1,434
 
Points)
 on 1/6/13 at 10:11pm

Great post ANT, this needs to make the front page.

"They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety."- Benjamin Franklin

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twinb's picture

Thanks for this ANT, I did

twinb
     
 
(Monkey, 32
 
Points)
 on 1/7/13 at 2:34am

Thanks for this ANT, I did have a few questions about this, some which you answered in your initial post.

I live in and was hoping to stay in LA, so looks like I need to target Claremont initially.

How well does a MSF(or even a MAcc) help in rebranding if you come from a total non-target with a poor GPA(2.8-3.1 area).

Does the MSF place ok into Consulting at all or mainly banking?

Top MFin programs(MIT, UCB, CMU etc.), poor GPA but killer GMAT, still a chance?

Do these programs consider age heavily?

Again, thanks for doing this.

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AndyLouis's picture

thanks ant, will put this up

AndyLouis
     
 
 
(Senior Neanderthal, 5,802
 
Points)
 on 1/7/13 at 4:51am

thanks ant, will put this up on the homepage

WSO's COO (Chief Operating Orangutan) | My story | Connect with me on Linkedin.

2013 WSO Conference

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AndyLouis's picture

another helpful post on the

AndyLouis
     
 
 
(Senior Neanderthal, 5,802
 
Points)
 on 1/7/13 at 6:25am

another helpful post on the msf: http://www.wallstreetoasis.com/blog/time-to-respec...

WSO's COO (Chief Operating Orangutan) | My story | Connect with me on Linkedin.

2013 WSO Conference

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nebben2k10's picture

ANT, At what point (amount

nebben2k10
      ER
 
(Monkey, 47
 
Points)
 on 1/7/13 at 8:14am

ANT,

At what point (amount of work experience) does the MSF start to lose value? For instance, would it still be valuable for someone with say three years of less than ideal work experience (i.e. brokerage followed by boutique ER)? Less valuable for that person than a person still in undergrad?

Thanks.

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happypantsmcgee's picture

I find it kind of hilarious

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 1/7/13 at 8:28am

I find it kind of hilarious that TNA has changed his name a few times and everyone still knows his as the loveable curmudgeon that is Anthony.

If I had asked people what they wanted, they would have said faster horses - Henry Ford

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boredviewer's picture

Great Stuff

boredviewer
     
 
(Senior Monkey, 71
 
Points)
 on 1/7/13 at 8:55am

Great Stuff

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TNA's picture

twinb: Thanks for this ANT, I

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 10:11am
twinb:

Thanks for this ANT, I did have a few questions about this, some which you answered in your initial post.

I live in and was hoping to stay in LA, so looks like I need to target Claremont initially.

How well does a MSF(or even a MAcc) help in rebranding if you come from a total non-target with a poor GPA(2.8-3.1 area).

Does the MSF place ok into Consulting at all or mainly banking?

Top MFin programs(MIT, UCB, CMU etc.), poor GPA but killer GMAT, still a chance?

Do these programs consider age heavily?

Again, thanks for doing this.

Claremont is the best West Coast MSF and one of the best in the country. They are also very, very selective. You might run into issues with a GPA in the range. You are going to need a very, very good GMAT also (think 720+).

MSF's can and do place into consulting, but it is usually somehow related to the financial industry. Depending on how you spin it you can go into other areas I suppose.

Two of the top "MSF" programs you listed are MFE programs. They are also some of the best programs and will probably have high GPA and GMAT requirements. Once again, not saying no possibility, but I would have some other schools as back ups.

Age is generally not focused on, but if you are more of an MBA candidate you should be prepared to answer the "Why an MSF and not an MBA" question.

MSF Website
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TNA's picture

nebben2k10: ANT, At what

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 10:17am
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MSF Website
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TNA's picture

happypantsmcgee: I find it

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 10:18am

MSF Website
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lostchimp's picture

MsF at non-target and

lostchimp
      IA
 
(Senior Monkey, 80
 
Points)
 on 1/7/13 at 10:55am
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csb5255's picture

ANT, First off, this is my

csb5255
     
 
(Chimp, 1
 
Points)
 on 1/7/13 at 11:01am
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TNA's picture

csb5255: ANT, First off,

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 11:06am

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The Kid's picture

+1 great post Ant. Hit me up

The Kid
      O
 
(Gorilla, 635
 
Points)
 on 1/7/13 at 11:47am
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Ichan's picture

TNA: HowardRoark: Anthony,

Ichan
      O
 
(Baboon, 151
 
Points)
 on 1/7/13 at 12:33pm

It's not about the money. It's about the game between people.

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TNA's picture

Ichan: TNA: HowardRoark:

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 12:44pm

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IB_hopeful's picture

How do you feel about

IB_hopeful
     
 
(Monkey, 30
 
Points)
 on 1/7/13 at 1:05pm
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TNA's picture

IB_hopeful: How do you feel

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 1:14pm

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The Kid's picture

TNA: IB_hopeful: How do you

The Kid
      O
 
(Gorilla, 635
 
Points)
 on 1/7/13 at 1:53pm
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TNA's picture

The

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 1:59pm

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JYFresh's picture

Does it make sense for a

JYFresh
     
 
(Senior Monkey, 81
 
Points)
 on 1/7/13 at 3:05pm

When she fucks with The Weeknd, I call her up on weekdays

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TNA's picture

JYFresh: Does it make sense

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 3:07pm

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clungeandman's picture

Hi, I am based in the UK

clungeandman
     
 
(Chimp, 14
 
Points)
 on 1/7/13 at 4:21pm
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TNA's picture

clungeandman: Hi, I am based

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 4:29pm

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clungeandman's picture

Can you elaborate on the

clungeandman
     
 
(Chimp, 14
 
Points)
 on 1/7/13 at 5:03pm
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BepBep12's picture

Is a low GMAT score (650-700)

BepBep12
      CF
 
 
(Senior Gorilla, 842
 
Points)
 on 1/7/13 at 5:17pm

'Before you enter... be willing to pay the price'

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TNA's picture

clungeandman: Can you

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 5:20pm

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TNA's picture

BepBep12: Is a low GMAT score

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 5:21pm

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hewenxun376's picture

Great information. Thanks. I

hewenxun376
     
 
(Chimp, 8
 
Points)
 on 1/7/13 at 5:31pm
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TNA's picture

hewenxun376: Great

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/7/13 at 5:38pm

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twinb's picture

TNA: Age is generally not

twinb
     
 
(Monkey, 32
 
Points)
 on 1/7/13 at 6:45pm
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CKIB91's picture

would you recommend an MSF

CKIB91
     
 
(Senior Chimp, 28
 
Points)
 on 1/7/13 at 6:54pm
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watdo's picture

I'm a senior at a non target

watdo
     
 
(Senior Chimp, 19
 
Points)
 on 1/7/13 at 7:36pm
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aurelius's picture

Is the GRE not valued as

aurelius
     
 
(Chimp, 12
 
Points)
 on 1/7/13 at 9:20pm
  • 0
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TNA's picture

twinb: TNA: Age is

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/8/13 at 11:31am

MSF Website
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TNA's picture

CKIB91: would you recommend

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/8/13 at 11:35am

MSF Website
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TNA's picture

watdo: I'm a senior at a non

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/8/13 at 11:36am

MSF Website
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TNA's picture

aurelius: Is the GRE not

TNA
      O
 
 
(Human, 13,500
 
Points)
 on 1/8/13 at 11:37am

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calikid3820's picture

Silver Banana to Anthony for

calikid3820
      CO
 
(Senior Baboon, 247
 
Points)
 on 1/8/13 at 11:49am
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BepBep12's picture

This might not apply to

BepBep12
      CF
 
 
(Senior Gorilla, 842
 
Points)
 on 1/8/13 at 9:05pm

'Before you enter... be willing to pay the price'

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appyz's picture

I am in the EC major, and

appyz
     
 
(Senior Chimp, 17
 
Points)
 on 1/8/13 at 5:41pm
  • 0
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  •  
neil joseph's picture

i am applying to MS Finance

neil joseph
      PE
 
(Senior Baboon, 189
 
Points)
 on 1/8/13 at 6:13pm

"A man travels the world over in search of what he needs and returns home to find it." ~George Moore

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Chai's picture

Great info and helpful!

Chai
     
 
(Chimp, 10
 
Points)
 on 1/8/13 at 8:19pm
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The contents of this Web Site, such as text, graphics, images, logos, button icons, software and other items (collectively, "Material"), are protected under both United States and foreign copyright, trademark and other laws. All Material is the property of the Company or its content suppliers or clients. The compilation (meaning the collection, arrangement and assembly) of all content on this Web Site is the exclusive property of the Company and protected by U.S. and international copyright laws. Unauthorized use of the Material may violate copyright, trademark, and other laws. You must retain all copyright, trademark, service-mark and other proprietary notices contained in the original Material on any copy you make of the Material. You may not sell or modify the Material or reproduce, display, publicly perform, distribute, or otherwise use the Material in any way for any public or commercial purpose. The use of the Material on any other web site or in a networked computer environment for any purpose is prohibited.

You shall not copy or adapt the HTML code that the Company creates to generate its pages. It is also protected by the Company?s copyright.

Acceptable Site Use.

General Rules: Users may not use the Web Site in order to transmit, distribute, store or destroy material (a) in violation of any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy, publicity or other personal rights of others, or (c) that is defamatory, obscene, threatening, abusive or hateful.

Web Site Security Rules. Users are prohibited from violating or attempting to violate the security of the Web Site, including, without limitation, (a) accessing data not intended for such user or logging into a server or account which the user is not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization, (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Web Site, overloading, "flooding", "spamming", "mailbombing" or "crashing", (d) sending unsolicited e-mail, including promotions and/or advertising of products or services, or (e) forging any TCP/IP packet header or any part of the header information in any e-mail. Violations of system or network security may result in civil or criminal liability. The Company will investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

Specific Prohibited Uses.

The Company specifically prohibits any use of the Web Site, and all users agree not to use the Web Site, for any of the following:

  • Posting any incomplete, false or inaccurate biographical information or information which is not your own accurate resume
  • Using any device, software or routine to interfere or attempt to interfere with the proper working of this Web Site or any activity being conducted on this site.
  • Taking any action which imposes an unreasonable or disproportionately large load on this Web Site?s infrastructure.
  • If you have a password allowing access to a non-public area of this Web Site, disclosing to or sharing your password with any third parties or using your password for any unauthorized purpose.
  • Notwithstanding anything to the contrary contained herein, using or attempting to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Web Site other than the search engine and search agents available from the Company on this Web Site and other than generally available third party web browsers (e.g., Netscape Navigator, Microsoft Explorer).
  • Attempting to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of the Web Site.
  • Aggregating, copying or duplicating in any manner any of the materials or information available from the Web Site.
  • Framing of or linking to any of the materials or information available from the Web Site.

User Information.

When you register for the Web Site, you will be asked to provide the Company with certain information including, without limitation, a valid email address (your "Information"). In addition to the terms and conditions that may be set forth in any privacy policy on this Web Site, you understand and agree that the Company may disclose to third parties, on an anonymous basis, certain aggregate information contained in your registration application. The Company reserves the right to offer third party services and products to you based on the preferences that you identify in your registration and at any time thereafter; such offers may be made by the Company or by third parties. Please see the Company's Privacy Policy below for further details regarding your Information.

Registration and Password.

You are responsible for maintaining the confidentiality of your information and password. You shall be responsible for all uses of your registration, whether or not authorized by you. You agree to immediately notify the Company of any unauthorized use of your registration or password.

The Company's Liability.

As a condition to your use of this site, you release the Company (and our agents and employees) from claims, demands and damages (actual and consequential, direct and indirect) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code d1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

We are under no legal obligation to, and generally do not, control the information provided by other users which is made available through the Web Site. By its very nature, other people?s information may be offensive, harmful or inaccurate, and in some cases will be mislabeled or deceptively labeled. We expect that you will use caution and common sense when using this Web Site.

The Material may contain inaccuracies or typographical errors. The Company makes no representations about the accuracy, reliability, completeness, or timeliness of the Web Site or the Material. The use of the Web Site and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time.

You acknowledge and agree that you are solely responsible for the content and accuracy of any resume or material contained therein placed by you on the Web Site and you agree to let any users that are identified as recruiters (designated in the sole discretion of the Company) to have access to your resume.

The Company is not to be considered to be an employer with respect to your use of the Web Site and the Company shall not be responsible for any employment decisions, for whatever reason made, made by any entity posting jobs on the Web Site.

THE COMPANY DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS. IF YOUR USE OF THE WEB SITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, THE COMPANY IS NOT RESPONSIBLE FOR THOSE COSTS.

THE WEB SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. THE COMPANY, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE AND NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS.

Disclaimer of Consequential Damages.

IN NO EVENT SHALL THE COMPANY, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED ON THE WEB SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE WEB SITE AND THE MATERIAL, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Links to Other Sites.

The Web Site may contain links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by the Company of the contents on such third-party Web sites. The Company is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If you decide to access linked third party Web sites, you do so at your own risk.

No Resale or Unauthorized Commercial Use.

You agree not to resell or assign your rights or obligations under these Term of Use. You also agree not to make any unauthorized commercial use of the Web Site.

Limitation of Liability.

The aggregate liability for the Company to you for all claims arising from the use of the Materials is limited to $1.

Termination.

The Company reserves the right, at its sole discretion, to pursue all of its legal remedies, including but not limited to immediate termination of your registration with or ability to access the Web Site and/or any other service provided to you by the Company, upon any breach by you of these Terms and Conditions or if the Company is unable to verify or authenticate any information you submit to the Web Site registration with or ability to access the Web Site.

Indemnity.

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of these Terms and Conditions. The Company shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

General.

The Company makes no claims that the Materials may be lawfully viewed or downloaded outside of the United States. Access to the Materials may not be legal by certain persons or in certain countries. If you access the Web Site from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. These Terms and conditions are governed by the internal substantive laws of the State of New York, without respect to its conflict of laws principles. Jurisdiction for any claims arising under this agreement shall lie exclusively with the state or federal courts within New York, New York. If any provision of these Terms and Conditions are found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any term of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in additional terms of use for areas of the Web Site a particular "Legal Notice," or Software License or Material on particular Web pages, these Terms and Conditions constitute the entire agreement between you and the Company with respect to the use of Web Site. No changes to these Terms and Conditions shall be made except by a revised posting on this page.

PRIVACY POLICY

The Company recognizes that you are concerned about privacy. We are committed to preserving your privacy and safeguarding your sensitive information. The following statement describes the general information-gathering and usage practices of our sites.

Our staff, contractors, Internet service providers and others involved in this site follow this policy or similarly strict policies regarding your Information.

Disclosure

The Company is committed to fully disclosing our policies regarding the collection, use, maintenance, disclosure and security of personal information obtained from users of our site. The term "personal information" includes a name, address, email address, or any other information which could be used to contact you directly or to identify you personally.

Use and Disclosure Limitations

The Company only uses personal information about its Web site users for specific purposes. We do not share user information with third parties except when we have told users about the disclosures, when we have prior consent, or when required by law.

Use Policy: When the Company gathers personal information from users, we ask for permission first. We also disclose, at the time of collection, how the information will be used by us. Personal information is used for activities such as auto-completion of commonly-used forms and helping us contact you when you solicit information from us.

Disclosure Policy: We do not normally disclose personal information to anyone outside of the Company unless we have previously informed users about the disclosures. However, some data may be used from time to time by outside contractors, including auditors or consultants, to assist us in carrying out necessary financial or operational activities. These uses will be consistent with this privacy policy and all contractors using this potential personal information must agree to safeguard it, to use it only for the authorized purpose, and to return it or destroy it upon completion of the activity.

The Company might be required to disclose personal information in response to a valid legal process such as a subpoena, search warrant or court order.

Although unlikely, it is possible that we may have to make certain disclosures to ensure the security of our Web site, to protect its integrity, or to take precautions against potential liability. In any of these situations, we will take any reasonable steps to limit the scope of the data disclosed.

Web Logs: The Company maintains standard Web logs that record basic information about visitors to our Web site. These logs contain: * The Internet domain from which you came to our Web site. * Your IP address. An IP address is a series of numbers which uniquely identifies your connection to the Internet. Although it is possible in some instances, certain types of IP addresses may be used by interested persons to identify users but we do not attempt to identify users in this way. * The type of browser (e.g., Internet Explorer or Netscape) and operating system (e.g., Windows 98) you use. * The date and time you visited the site, and the pages you saw.

We use Web log information to design our Web site, identify popular features, and in similar ways. We do not try to identify individuals from Web logs or to link Web logs to other user information. However, if someone tries to damage our Web site or use it in an unauthorized or illegal way, we may share Web log information with law enforcement agencies. The Company may provide aggregate information such as the number of users who visit particular pages of the site, or the number of people who link to certain external sites from our site, to other parties.

Changes to Privacy Policy

The Company's features and services will change over time and our information-gathering practices and policies may also change.

While our philosophy of protecting user information from inappropriate uses and disclosures will not change, this policy will be updated occasionally to include any change that materially affects the collection, maintenance, use, or disclosure of personal information.

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    Preferred suburbia with easy commute to NYC?
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    Transitioning from AM to PE
  • hi, I was just accepted to university of michigan's school of arts and science and I was wondering if I should transfer there? I am currently a rising sophomore at rutgers business school. Do you think it is worth. How is the reputation of UMICH for econ (not Ross),..is it good enough to...
    should I transfer from rutgers business school to umich(econ)?
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