Terms and Conditions

This agreement applies as between you, the User of this Website and Called Higher Ministries, Inc. the owner of this Website. Your agreement to comply with and be bound by these Terms and Conditions is deemed to occur upon your first use of the Website.  If you do not agree to be bound by these Terms and Conditions, you should stop using the Website immediately.

No part of this Website is intended to constitute a contractual offer capable of acceptance. Your order constitutes a contractual offer and Our acceptance of that offer is deemed to occur upon Our sending a confirmation email to you indicating that your order has been accepted.

1. Definitions and Interpretation

In this Agreement the following terms shall have the following meanings:
"Account": means collectively the personal information, Payment Information and credentials used by Users to access Paid Content and / or any communications System on the Website;
"Content": means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Website;
"Facilities": means collectively any online facilities, tools, services or information that Called Higher Ministries, Inc. makes available through the Website either now or in the future;
"Services": means the services available to you through this Website, specifically use of any courses provided through this Website and/or use of the ctfkonline.org proprietary e-learning platform;
"Payment Information": means any details required for the purchase of Services from this Website. This includes, but is not limited to, credit / debit card numbers, bank account numbers and sort codes;
"Premises": Means Our place(s) of business located at ctfkonline.org;
"System": means any online communications infrastructure that Called Higher Ministries, Inc. makes available through the Website either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links;
"User" / "Users": means any third party that accesses the Website and is not employed or officially represented by Called Higher Ministries, Inc. and acting in the course of such employment or representation;
"Website": means the website that you are currently using (ctfkonline.org) and any sub-domains of this site unless expressly excluded by their own terms and conditions; and
"We/Us/Our": means Called Higher Ministries, Inc., a company incorporated in the state of Wisconsin in the United States of America.

2. Age Restrictions

Use of this website by Persons under the age of 18 is prohibited.

3. Intellectual Property

  • 3.1 All Content included on the Website, including; but not limited to; text, images, graphics, logos, icons, sound clips, video clips, data compilations, page layout, underlying code and software is the property of Called Higher Ministries, Inc., Our affiliates or other relevant third parties. By continuing to use the Website you acknowledge that such material is protected by applicable United States of America and International copyright and other laws.
  • 3.2 Unless permitted by applicable law, you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given Our express written permission to do so.

4. Links to Other Websites

This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of Called Higher Ministries, Inc.  We assume no responsibility for the content of such websites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Website does not imply any endorsement of the sites themselves or of those in control of them.

5. Links to this Website

Those wishing to place a link to this Website on other sites may do so without Our prior permission by linking only to the home page of this site (ctfkonline.org). Deep linking (i.e. links to specific pages within the site) requires Our express written permission.  To find out more please contact Us by email at info@calledhigherministries.org.

6. Use of Communications Facilities

  • 6.1 The following rules must be observed when using any System on the Website. Failure to comply with these rules may result in your Account being suspended or closed:
  • 6.1.1 You must not use obscene or vulgar language;
  • 6.1.2 You must not submit Content that is unlawful or otherwise objectionable. This includes, but is not limited to, Content that is abusive, threatening, harassing, defamatory, ageist, sexist or racist;
  • 6.1.3 You must not submit Content that is intended to promote or incite violence;
  • 6.1.4 It is recommended that submissions are made using the English language as We may be unable to respond to submissions in any other languages;
  • 6.1.5 The means by which you identify yourself must not violate these Terms and Conditions or any applicable laws;
  • 6.1.6 You must not impersonate other people, particularly employees and representatives of Called Higher Ministries, Inc., ctfkonline.org, or Our affiliates;
  • 6.1.7 You must not use Our System for unauthorized mass-communication such as "spam" or "junk mail".
  • 6.2 You acknowledge that Called Higher Ministries, Inc. reserves the right to monitor and retain copies of any and all communications made to Us or using Our System.
  • 6.3 You acknowledge that any information you send to Us through Our System may be used or modified by Us in any way, including by deletion of the sent information, and you hereby waive any right or attribution or moral right to be identified as the author of such information.  Any restrictions you may wish to place upon Our use of such information must be communicated to Us in advance, and We reserve the right to reject such terms and associated information.

7. Accounts

  • 7.1 In order to procure Services on this Website and to use certain other parts of the System, you are required to create an Account which will contain certain personal details and Payment Information which may vary based upon your use of the Website, as We may not require Payment Information until you wish to make a purchase. By continuing to use this Website you represent and warrant that:
  • 7.1.1 all information you submit is accurate and truthful;
  • 7.1.2 you have permission to submit Payment Information where permission may be required; and
  • 7.1.3 you will keep this information accurate and up-to-date. Your creation of an Account is further affirmation of your representation and warranty.
  • 7.2 It is recommended that you do not share your Account details, particularly your username and password. We accept no liability for any losses or damages incurred as a result of your Account details being shared by you. If you use a shared computer, it is recommended that you do not save your Account details in your internet browser.
  • 7.3 If you have reason to believe that your Account details have been obtained by another person without consent, you should contact Us immediately to suspend your Account and cancel any unauthorized orders or payments that may be pending. Please be aware that orders or payments can only be cancelled up until provision of Services has commenced. In the event that an unauthorized provision commences prior to your notifying Us of the unauthorized nature of the order or payment then you shall be charged for the period from the commencement of the provision of services until the date you notified us and may be charged for a billing cycle of one month.
  • 7.4 When choosing your username you are required to adhere to the terms set out above in Clause 6. Any failure to do so could result in the suspension and/or deletion of your Account.

8. Termination and Cancellation of Accounts

  • 8.1 Either Called Higher Ministries, Inc. or you may terminate your Account. If We terminate your Account, you will be notified by email and an explanation for the termination will be provided. Notwithstanding the foregoing, We reserve the right to terminate without giving reasons.
  • 8.2 If We terminate your Account, any pending or current orders on your Account will be cancelled and provision of Services will not commence or continue.

9. Services, Pricing and Availability

  • 9.1 While every effort has been made to ensure that all general descriptions of Services available from Called Higher Ministries, Inc. correspond to the actual Services that will be provided to you, We are not responsible for any variations from these descriptions as the exact nature of the Services may vary depending on your individual requirements and circumstances. This does not exclude Our liability for mistakes due to negligence on Our part and refers only to variations of the correct Services, not different Services altogether. Please refer to sub-Clause 10.7 for incorrect Services.
  • 9.2 Where appropriate, you may be required to select the required Plan of Services.
  • 9.3 We neither represent nor warrant that such Services will be available at all times and cannot necessarily confirm availability until confirming your Order. Availability indications are not provided on the Website.
  • 9.4 All pricing information on the Website is correct at the time of going online. We reserve the right to change prices and alter or remove any special offers from time to time and as necessary.
  • 9.5 In the event that prices are changed during the period between an order being placed for Services and Us processing that order and taking payment, then the price that was valid at the time of the order shall be used.

10. Orders and Provision of Services

  • 10.1 No part of this Website constitutes a contractual offer capable of acceptance. Your order constitutes a contractual offer that We may, at Our sole discretion, accept. Our acceptance is indicated by Us sending to you an order confirmation email. Only once We have sent you an order confirmation email will there be a binding contract between Called Higher Ministries, Inc. and you.
  • 10.2 Order confirmations under sub-Clause 10.1 will be sent to you before the Services begin and shall contain the following information:
  • 10.2.1 Confirmation of the Services ordered including full details of the main characteristics of those Services;
  • 10.2.2 Fully itemized pricing for the Services ordered including, where appropriate, taxes, delivery and other additional charges;
  • 10.2.3 Relevant times and dates for the provision of the Services;
  • 10.2.4 User credentials and relevant information for accessing those services.
  • 10.3 If We, for any reason, do not accept your order, no payment shall be taken under normal circumstances. In any event, any sums paid by you in relation to that order will be refunded within 14 calendar days.
  • 10.4 Payment for the Services shall be taken via your chosen payment method, immediately for any setup fee that corresponds to any service plan you purchased and at the same day of each subsequent month (“billing cycle”) for charges accrued during the previous month (“billing cycle”) AND/OR as indicated in the order confirmation you received.
  • 10.5 We aim to fulfill your Order within 2-3 working days or if not, within a reasonable period following your Order, unless there are exceptional circumstances. If we cannot fulfill your Order within a reasonable period, we will inform you at the time you place the Order by a note on the relevant web page or by contacting you directly after you place your Order. Time is not of the essence of the Contract, which means we will aim to fulfill your Order within any agreed timescales but this is not an essential term of the Contract and we will not be liable to you if we do not do so. 
  • 10.6 Called Higher Ministries, Inc. shall use all Our reasonable efforts to provide the Services with reasonable skill and care, commensurate with best trade practice.
  • 10.7 In the event that Services are provided that are not in conformity with your order and thus incorrect, you should contact Us immediately to inform Us of the mistake. We will ensure that any necessary corrections are made within five (5) working days.
  • 10.8 Additional terms and conditions may apply to the provision of certain Services. You will be asked to read and confirm your acceptance of any such terms and conditions when completing your Order.
  • 10.9 Called Higher Ministries, Inc. provides technical support via our online support forum and/or phone. Called Higher Ministries, Inc. makes every effort possible to respond in a timely manner, but we do not guarantee a particular response time.

11. Cancellation of Orders and Services

We want you to be completely satisfied with the Products or Services you order from Called Higher Ministries, Inc.  If you need to speak to us about your Order, then please contact customer care at 608.220.0902 or by email at info@calledhigherministries.org. You may cancel an Order that we have accepted or cancel the Contract. If any Specific Terms accompanying the Service contain terms about cancelling the Service, the cancellation policy in the Specific Terms will apply.
  • 11.1 A cancellation period begins once your order is confirmed and the contract between Called Higher Ministries, Inc. and you is formed, and ends at the end of 14 calendar days after that date. If you change your mind about the Services within this cancellation period and wish to cancel your order, please inform Us immediately using the following email: info@calledhigherministries.org. Your right to cancel during the cancellation period is subject to the provisions of sub-Clause 11.2.
  • 11.2 By your receipt of some or all of the Services within the 14 calendar day cancellation period you acknowledge and agree to the following:
  • 11.2.1 If the Services are fully performed within the 14 calendar day cancellation period, you will lose your right to cancel after the Services are complete.
  • 11.2.2 If you cancel the Services during the 14 calendar day cancellation period after provision of the Services has begun but is not yet complete, you will still be required to pay for the Services supplied. The amount due shall be calculated in proportion to the full price of the Services and the actual Services already provided. Any sums that have already been paid for the Services shall be refunded subject to deductions calculated in accordance with the foregoing. Refunds, where applicable, will be issued within 5 working days and in any event no later than 14 calendar days after you inform Us that you wish to cancel.
  • 11.3 No refunds will be made for cancellation of an Order after the 14 calendar day cancellation period.

12. Privacy

Use of the Website is also governed by Our Privacy Policy (ctfkonline.org/privacy) which is incorporated into these Terms and Conditions by this reference. To view the Privacy Policy, please visit the link above.

13. How We Use Your Personal Information (Data Protection)

  • 13.1 All personal information that We may collect (including, but not limited to, your name and address) will be collected, used and held in accordance with applicable laws.
  • 13.2 We may use your personal information to:
  • 13.2.1 Provide Our Services to you;
  • 13.2.2 Process your payment for the Services; and
  • 13.2.3 Inform you of new products and services available from Us. You may request that We stop sending you this information at any time.
  • 16.3 We will not pass on your personal information to any other third parties without first obtaining your express permission.

14. Disclaimers

  • 14.1 We make no warranty or representation that the Website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service or Services.
  • 14.2 No part of this Website is intended to constitute advice and the Content of this Website should not be relied upon when making any decisions or taking any action of any kind.
  • 14.3 No part of this Website is intended to constitute a contractual offer capable of acceptance.
  • 14.4 While We use reasonable efforts to ensure that the Website is secure and free of errors, viruses and other malware, you are strongly advised to take responsibility for your own internet security, that of your personal details and your computers.

15. Changes to the Website and these Terms and Conditions

We reserve the right to change the Website, its Content or these Terms and Conditions at any time. You will be bound by any changes to the Terms and Conditions from the first time you use the Website following the changes. If We are required to make any changes to these Terms and Conditions by law, these changes will apply automatically to any orders currently pending in addition to any orders placed by you in the future.

16. Availability of the Website

  • 16.1 The Website is provided “as is” and on an “as available” basis.  We give no warranty that the Website or Facilities will be free of defects and / or faults and we do not provide any kind of refund for outages. We provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.
  • 16.2 We accept no liability for any disruption or non-availability of the Website resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship.

17. Limitation of Liability

  • 17.1 To the maximum extent permitted by law, We accept no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Website or any information contained therein. You use the Website and its Content at your own risk.
  • 17.2 Nothing in these Terms and Conditions excludes or restricts Called Higher Ministries, Inc.'s liability for any direct or indirect loss or damage arising out of the incorrect provision of Services or out of reliance on incorrect information included on the Website.
  • 17.3 In the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these Terms and Conditions and shall not affect the validity and enforceability of the remaining Terms and Conditions. This term shall apply only within jurisdictions where a particular term is illegal.

18. No Waiver

In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.

19. Previous Terms and Conditions

In the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise.

20. Third Party Rights

Nothing in these Terms and Conditions shall confer any rights upon any third party. The agreement created by these Terms and Conditions is between you and Called Higher Ministries, Inc. 

21. Communications

  • 21.1 All notices / communications shall be given to Us by email to info@calledhigherministries.org. Such notice will be deemed received the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday.
  • 21.2 We may from time to time, if you opt to receive it, send you information about Our products and/or services. If you do not wish to receive such information, please click on the ‘Unsubscribe’ link in any email which you receive from Us.

22. Law and Jurisdiction

These Terms and Conditions and the relationship between you and Called Higher Ministries, Inc. shall be governed by and construed in accordance with the laws of the United States of America, and you agree to submit to the exclusive jurisdiction of the United States of America.

Cookie policy

This website ctfkonline.org uses Cookies and similar technologies in order to distinguish you from other users. By using Cookies, We are able to provide you with a better experience and to improve Our Site by better understanding how you use it. Please read this Cookie Policy carefully and ensure that you understand it. Your acceptance of Our Cookie Policy is deemed to occur when you press the “accept” button on Our Cookie banner or when you have selected your preferred Cookie options in Our Cookie manager and pressed the “Continue” button. If you do not agree to Our Cookie Policy, please stop using Our Site immediately.

1. Definitions and Interpretation

In this Cookie Policy, unless the context otherwise requires, the following expressions have the following meanings:
Cookie: means a small file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site;
Cookie Law: means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 and of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”);
Personal data: means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data, as defined by EU Regulation 2016/679 General Data Protection Regulation (“GDPR”); and
We/Us/Our: means Called Higher Ministries, Inc. and ctfkonline.org, the website owned and operated by Called Higher Ministries, Inc.

2. Information About Us

Our Site is owned and operated by Called Higher Ministries, Inc.
  • Registered address: CALLED HIGHER MINISTRIES, INC., PO Box 328, Sun Prairie, WI 53590
  • Email address: info@calledhigherministries.org
  • Telephone number: 608-220-0902

3. How Does Our Site Use Cookies?

  • 3.1 Our Site may place and access certain first-party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and services.
  • 3.2 By using Our Site, you may also receive certain third-party Cookies on your computer or device. Third-party Cookies are those placed by websites, services, and/or parties other than Us. Third-party Cookies are used on Our Site for analytics and for marketing purposes. For more details, please refer to section 4 below.
  • 3.3 All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookies:
  • 3.3.1 Strictly Necessary Cookies
    A Cookie falls into this category (usually first-party cookies) if it is essential to the operation of Our Site as without them we cannot provide the functionality that you need to use this website. For example, essential cookies help remember your preferences as you navigate through the online school, and also support functions such as logging in, and payment transactions.
  • 3.3.2 Functionality Cookies
    Functional Cookies allow our Website to remember choices you make, e.g. your user name, log in details and language preferences and any customizations you make to pages during your visit. They are necessary to provide features and services specific to individual users.
  • 3.3.3 Analytics Cookies
    It is important for Us to understand how you use Our Site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics Cookies enable us to gather this information, helping Us to improve Our Site and your experience of it.
  • 3.3.4 Marketing/Targeting Cookies
    It is important for Us to know when and how often you visit Our Site, and which parts of it you have used (including which pages you have visited and which links you have visited). As with analytics Cookies, this information helps us to better understand you and, in turn, to make Our Site and advertising more relevant to your interests. Some information gathered by targeting Cookies may also be shared with third parties.
  • 3.3.5 Third Party Cookies
    Third-party Cookies are not placed by Us; instead, they are placed by third parties that provide services to Us and/or to you. Third-party Cookies may be used by advertising services to serve up tailored advertising to you on Our Site, or by third parties providing analytics services to Us. These Cookies will work in the same way as analytics Cookies described above.
  • 3.3.6 Persistent Cookies
    Any of the above types of Cookie may be a persistent Cookie. Persistent Cookies are those which remain on your computer or device for a predetermined period and are activated each time you visit Our Site.
  • 3.3.7 Session Cookies
    Any of the above types of Cookie may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser.
  • 3.4 Cookies on Our Site are not permanent and will expire as indicated in the table below.
  • 3.5 For more details of the personal data that We collect and use, the measures we have in place to protect personal data, your legal rights, and our legal obligations, please refer to our Privacy Policy.
  • 3.6 For more specific details of the Cookies that We use, please refer to the table below.

4. What Cookies Does Our Site Use?

  • 4.1 The following first-party Cookies may be placed on your computer or device:
Name of Cookie Purpose Strictly Necessary Expires
XSRF-TOKEN Preserves User Login information and states Yes When you close your browser
DPSettings Preserves the user's Cookie policy preferences Yes 12 days
slim_session Preserves User Login information and states Yes 1 day
  • 4.2 The following strictly necessary third-party Cookies may be placed on your computer or device:
Name of Cookie Provider Purpose Expires
nsr m.stripe.network Used to process payments for our website. When you close your browser
cookiesEnabled checkout.stripe.com Used to process payments for our website. When you close your browser
__stripe_sid checkout.stripe.com Used to process payments for our website. When you close your browser
__stripe_mid checkout.stripe.com Used to distinguish users. 1 year
ab_disable_remember_ checkout.stripe.com Used to process payments for our website. 7 years
checkout-test-session checkout.stripe.com Used to process payments for our website. 10 years
cid checkout.stripe.com Used to process payments for our website. for ever
vuid vimeo.com These cookies are used by Vimeo to collect analytics tracking information. 1 year
player player.vimeo.com These cookies are used by Vimeo to collect analytics tracking information. 1 year
  • 4.3 Our Site may use analytics services provided by a third-party service provider. Website analytics refers to a set of tools used to collect and analyze anonymous usage information, enabling us to better understand how Our Site is used. This, in turn, enables us to improve Our Site and the products and services offered through them.
  • 4.4 The analytics services used by Our Site may use Cookies to gather the required information. You do not have to allow us to use these Cookies, however, while our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable us to continually improve Our Site, making it a better and more useful experience for you.
  • 4.5 The analytics services used by Our Site may use the following Cookies: 
Google Analytics
Name of Cookie Provider Purpose Expires
_ga ctfkonline.org Google Analytics: Registers a unique ID that is used to generate statistical data on how the visitor uses the website. 2 years
_gat ctfkonline.org Google Analytics: Used by Google Analytics to throttle the request rate. When you close your browser
_gid ctfkonline.org Google Analytics: Registers a unique ID that is used to generate statistical data on how the visitor uses the website. When you close your browser
collect ctfkonline.org Google Analytics: Used to send data to Google Analytics about the visitor's device and behaviour. Tracks the visitor across devices and marketing channels. When you close your browser
  • 4.6 Targeting/Marketing cookies
    Targeting/Marketing cookies are used to track visitors across websites. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not directly store personal information but are based on uniquely identifying your browser and internet device. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third-party advertisers. If you do not allow these cookies, you will experience less targeted advertising: 
Name of Cookie Provider Purpose Expires
fr facebook.com Used by Facebook to deliver a series of advertisement products such as real time bidding from third-party advertisers 3 months
fr facebook.com Used by Facebook to deliver a series of advertisement products such as real time bidding from third-party advertisers When you close your browser

5. Consent and Control

  • 5.1 Before Cookies are placed on your computer or device, you will be shown a banner requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies unless those Cookies are strictly necessary; however, if consent is denied, certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow and/or deny different categories of Cookie that We use.
  • 5.2 In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third-party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.

6. Changes to this Cookie Policy

  • 6.1 We may alter this Cookie Policy at any time. Any such changes will become binding on you on your first use of Our Site after the changes have been made. You are therefore advised to check this page from time to time.
  • 6.2 In the event of any conflict between the current version of this Cookie Policy and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

7. Further Information

  • 7.1 If you would like to know more about how We use Cookies, please contact Us at info@callededhigherminsitires.org.
  • 7.2 For more information about privacy, data protection and our terms and conditions, please visit the following:
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