Frequently Asked Questions

Terms and conditions

End of Financial Year (EOFY) 2023

Offer is valid until 11:59pm on 30 June 2023 for new enrolments in all HealthCert Education courses and HealthCert 365. This offer cannot be used in conjunction with any other special. Savings on course bundles and GP registrar scholarship still apply. This offer is non-refundable. If you want to change courses after enrolling, you can transfer the sum paid to another course (at the normal rate). You may transfer your enrolment to a colleague (who meets the entry requirements). Contact us for more information at

Skin Cancer in Primary Care: A Practical Guide giveaway terms and conditions

The book is a HealthCert resource and not available for sale. To receive your free copy, enrol between 16 July and 31 August 2022 in any HealthCert course. Offer is only available in Australia while stocks last. This offer cannot be used in conjunction with any other special. Contact us for more information.

Entry Requirements

Do I need to pass an English literacy test to complete a HealthCert course?

HealthCert does not set an English proficiency level as an entry requirement into our courses. You do not have to pass an International English Language Testing System (IELTS) test. However, the courses are delivered in English and it would be expected that you should have sufficient proficiency in listening, reading and writing in the English language.

Choosing a course

How do I know which course is most suitable for me?

Our courses cater to medical professionals with ranging levels of expertise and interests, and offer complete learning pathways from foundation knowledge to subspecialisation.

What is the difference between the Skin Cancer Medicine and Skin Cancer Surgery pathways?

The Skin Cancer Medicine pathway is designed to teach how to diagnose and treat skin cancer. Thus, it will include how to perform a skin examination with the use of Dermoscopy. It will also teach how to surgically treat skin cancer along with other modalities like cryotherapy, cautery, and topical therapies. Finally, it will help provide a management pathway when malignant lesions are found.

The Skin Cancer Surgery pathway focuses solely on the surgical management of skin cancer. There is no training in the diagnosis of skin cancer and melanoma. It assumes a level of prior training and experience, such that doctors are comfortable to perform biopsies and elliptical excisions and techniques like buried sutures. It would be expected that a doctor has performed about 50 excisions with primary closure. This pathway will teach the more advanced techniques of flaps and grafts and then look at how they can best be applied to the head and neck and other challenging areas for a good cosmetic outcome.

The best pathway for you will depend on your learning and career goals. The Professional Diploma of Skin Cancer Medicine will equip you with the knowledge and skills to confidently manage most skin cancer and melanoma cases that requires an ellipse or partial thickness lower leg graft. The Professional Diploma of Skin Cancer Surgery will allow you a greater knowledge and skill to surgically manage more skin cancer that requires advanced closures on challenging sites, but may require further training in the diagnosis and management alternatives.

With the design of our pathways, we would normally recommend that doctors achieve the Advanced Certificate of Skin Cancer Medicine (Step 2 of the Skin Cancer Medicine pathway) prior to progressing with the Professional Certificate of Skin Cancer Surgery (Step 1 of the Skin Cancer Surgery pathway).

Should you need clarification as to which pathway will help you to meet your learning goals, please contact a HealthCert Education Advisor.

What are the different study options and locations?

HealthCert certificate courses are available entirely online – start anytime and study at your own pace. Flexible completion times and exam extensions are available. You may also choose to attend an optional practical workshop held throughout the year in Melbourne, Sydney, Brisbane, Perth or Adelaide. To develop your clinical skills further, we encourage you to participate in our clinical attachment programs, giving you the opportunity to observe experts completing procedures, ask questions and receive guidance. Clinical attachment programs are available in the areas of skin cancer medicine, general dermatology and aesthetic medicine.


Financial matters

What are the costs and payment options of the courses?

Fees will vary based on the program and study option selected (fully online vs online + optional practical workshop). Payments can be made upfront or in monthly instalments. Special rates and various payment options are available. GP registrars and doctors in training enjoy a scholarship of up to $500.

Why is the HealthCert course the price it is?

All of the HealthCert courses come with unique benefits and represent a great investment in your professional development, including:

  • All courses are quality-assured by esteemed universities or renowned teaching institutions.
  • All course presenters are experienced clinicians and/or industry experts in their field.
  • Many of the HealthCert courses provide pathways to various Master’s degrees. As HealthCert is an internationally recognised leader in medical education, completion of certain courses can lead to credit or recognition of prior learning (RPL) with internationally renowned universities.
  • Participants receive relevant CPD points with RACGP and/or ACRRM to meet your professional development requirements.
  • Participants gain access to a valuable post-course support program, including webinars with the opportunity to ask questions and submit cases for discussion.
Are HealthCert courses approved for the Rural Procedural Grant?

HealthCert online certificate courses and practical workshops in skin cancer medicine, skin cancer surgery and clinical procedures are approved for the Rural Procedural Grant (RPGP). The RPGP provides financial assistance to GPs who provide procedural, emergency medicine or/and emergency mental health services in unsupervised settings in rural and remote areas. This includes the ability to claim for online education for a limited time. Procedural GPs can receive up to $20,000, and GPs providing hospital-based emergency and/or emergency mental health services can receive up to $6,000 per financial year. Learn more at or

Course cancellations and transfers

What happens if I can't participate in a course?

Should you be unable to participate in the course, please inform us at This will allow us to make your place available to waitlisted doctors. If you choose to attend the optional practical workshop and there is cause for postponement or you cannot travel due to Covid-19 restrictions, full workshop refund, transfer or alternative learning opportunities will be available for you. Click here to know more details on the cancellation charges and course transfers.

Attending a course

Why does HealthCert have professional requirements?

HealthCert is an accredited professional development provider. We take our professional development responsibilities seriously and enable all GPs who attend our courses to consider key elements of professional development. These include planning how they will use their professional learning in their practice, compiling specialist resources in the field, identifying a network of professional colleagues for support, joining professional associations and taking advantage of all they offer, keeping up-to-date with research in the field, reflecting on their own practice for continuous improvement, and seeking best practice from around the world. These elements of professional development are also helpful for various types of credit from HealthCert courses to postgraduate pathways.

What is included in the course fee?

For your one-off investment, you will receive unlimited access to all course content, additional learning materials, ongoing post-course support and more.

  • Online pre-course activity to be completed in your own time.
  • Eight online video modules to be viewed, replayed and completed at your convenience.
  • All presentation slides and further learning materials available for permanent access and download.
  • Instruments and consumables for practical sessions to be completed in the comforts of your office or during the optional practical workshop.
  • Post-course online assessment to be completed in your own time within six months of the cohort.
  • Ongoing post-course support in monthly webinars with the opportunity to discuss cases with course presenters.
  • Access to the HealthCert Alumni Portal with additional free learning opportunities, special offers and other benefits.
What do I need to bring to the education event?

If you have not already provided your RACGP or ACCRM number, please bring this information to the event. Please also bring the venue information sheet to ensure that you can find us easily on the day.

What does HealthCert supply?

We supply all consumables, pens and pads, plus catering for morning, lunch and afternoon breaks. Please note that in an attempt to reduce our environmental footprint, we have adopted a green printing policy and will no longer provide print-outs of presentation slides at education events. Please download the presentation slides from the e-Learning portal prior to attending the course so you can follow presentations on your laptop or tablet and take notes. At the education event, you will also be offered a printed learning journal and a notepad. A power point will be available at your desk to connect your device. We hope this will decrease material waste which is a detriment to the natural environment. Thank you for helping us contribute to a greener planet!

Does HealthCert organise flights and accommodation for the events?

The price of the event does not include any transport or accommodation. While HealthCert is not a travel agent, we do have access to some suggested hotels in the area of your event. If you have already enrolled, this information can be found in the venue and agenda information in the email received. If you have not enrolled and would like this information, please contact

What is your Unique Learning and Total Satisfaction Guarantee?

HealthCert Education is committed to providing top-quality education. To ensure this happens, we back all our courses with a unique satisfaction guarantee. If within 7 days of course enrolment you are not satisfied with the course, get in touch with us to receive a full refund or attend the practical workshop again at no cost. No questions asked.

Upon completion of the Medicinal Cannabis program, will I be qualified to prescribe CBD?

GPs working in Australia (except for in Tasmania) may prescribe Medicinal Cannabis, however, as part of the guidelines of the Therapeutic Goods Administration Special Access Scheme-B, you will need to acknowledge that you have the knowledge necessary to do so. This program will equip you with the knowledge required to manage and prescribe Medicinal Cannabis for various conditions, and can serve as part of your documentation showing that you have undertaken education in this field when you decide to become an authorised prescriber. More information here

Alumni post-course support

What is the Alumni Support Program?

Completion of any HealthCert course or attendance at an event will enable you to access the HealthCert Alumni Program which includes:

  • Access to special alumni rates for new courses in their first year of the release
  • Special alumni price for HealthCert Conferences
  • Exclusive advanced access to HealthCert events
  • Access to the HealthCert Skin Cancer Blog where you can discuss cases and ask questions of the course presenters
  • Regular Alumni Webinars pertaining to the course(s) you have attended. These will provide content review of the course and an opportunity to discuss case studies.
  • Access to the video lectures as seen during the course(s) that you have attended. These are a useful revision tool available to you post attendance at the event.

eLearning support

How can I get access to my eLearning log-in details which I have forgotten?

To log into the HealthCert e-Learning platform, visit and log in by entering your username and password.

Your username is the email address that your original details were sent to. If you are unable to log in, please click “Forgot password” to create a new password.

If your password reset email (sent via the eLearning platform Instructure) is not immediately sent through to your preferred email address, please check your spam or junk folder in the first instance. If it has not been sent there please ensure you are requesting the new password with the email address originally provided on your registration.

If you are still experiencing difficulties please email for additional support and investigation.

How can I speed up the eLearning site when it is loading slowly?

Clear the browser cache on your computer/laptop/phone to increase the speed. Click here for more details.

Does my browser support the eLearning site (Canvas)?

To read more on what browsers eLearning site support, click here.

How long do I have to complete my post-course assessment?

The standard and recommended time to complete the post-course assessment is three months after the course attendance date. If you are unable to complete the exam in this time, please email to get an extension.


How will I receive my certificate?

HealthCert Education is pleased to issue digital credentials for alumni. Digital credentials are a permanent online record of your successful completion of a HealthCert course, and are issued to all course participants in addition to PDF certificates. You can access your certificate online anytime, share it on your professional and social networks in a few clicks, and download and print it for display in your office. Plus, patients and colleagues can scan the QR code on your certificate to easily view the details of your achievement.

What can I do if I haven’t received my certificate?

For your HealthCert certificate to be issued, all aspects of the pre- and post-course assessment must be completed. Please check your eLearning portal to ensure that these activities have been completed.

How long does it take to receive my certificate?

Your HealthCert certificate will typically be issued within a week following the full completion of your course, generally sooner. If you have not received the certificate please email and we will assist immediately

Can I get a reprint of a The University of Queensland certificate for a previously completed course?

Unfortunately, to coincide with the end of the 2014 – 16 triennium, The University of Queensland has advised that it is against university policy to provide a reprint of previous certificates. If you wish to obtain a HealthCert certificate of attendance, please send your request to

Certification and accreditation

Is HealthCert a Vocational Training Provider?

HealthCert is not a Vocational Training Provider. We are a professional development provider; that is, we provide training for already competent, qualified professionals.

As an ACRRM/RACGP accredited professional development provider, HealthCert's goal is to expand GPs' knowledge of procedures by providing brand-free demonstrations and interactive presentations from experts in the field, in a clear and systematic manner, with practical hands-on activities and a focus on patient safety.

We encourage all GPs, as qualified professionals, to seek and comply with regulations for practice in specific areas and ensure they have appropriate insurance coverage.

Depending on their prior qualifications and experience, GPs may decide to enrol in HealthCert online courses, face-to-face courses, clinical attachments, conferences or masterclasses in addition to networking with a wide range of suppliers to compare their products and support services, and seeking professional mentors and professional association membership.

What is HealthCert’s relationship with The University of Queensland?

In 2006, HealthCert and The University of Queensland developed a suite of skin cancer certificate courses specifically targeted at primary care physicians. In 2017, 10 years and almost 7,000 alumni later, we unfortunately have to part with our foundation partner The University of Queensland due to their organisational change and restructuring of the School of Medicine. Past HealthCert course participants who have received a UQ skin cancer course certificate will receive full recognition of prior learning into the new HealthCert certificate and professional diploma programs in dermoscopy, skin cancer medicine and surgery. Learn more.

A note from Professor Nicholas Fisk, Executive Dean, Faculty of Medicine and Biomedical Sciences, The University of Queensland
[…] UQ School of Medicine and HealthCert International have enjoyed a long and fruitful partnership spanning 10 years, and during this time have collaboratively grown a series of skin cancer-focused workshops targeted primarily towards GPs. […] The Faculty of Medicine and Biomedical Sciences (M+BS) is moving into a new organisational model in early 2017. […] One of the outcomes […] is that the Faculty will not be in a position to continue the relationship with HealthCert International. […] We have appreciated the collaborative and mutually beneficial partnership that has seen HealthCert International grow in size and scope throughout our association and we wish you all the very best for your future endeavours. Thank you for the opportunity to have been involved in the development of HealthCert International’s skin cancer training for GPs”.

What is HealthCert’s relationship with Bond University?

Bond University provides quality assurance for HealthCert professional diploma programs in several fields.

About Bond University
Bond University is Australia’s leading independent not-for-profit university. In the 2017 Good Universities Guide, Bond University was awarded more 5-star ratings in the student experience category than any other university in Australia, for the eleventh year in a row. Bond University’s Faculty of Health Sciences and Medicine is recognised for the excellence of its education and research in the medical, health and sports sciences fields. The Faculty offers a personalised educational experience where students enjoy small class sizes, assured placements and work experience opportunities, as well as comprehensive use of industry equipment and the latest technologies.

What CPD points are available through HealthCert courses?

All HealthCert courses are professionally accredited. Please see individual course webpages for more information.

Are the courses recognised by The Royal New Zealand College of General Practitioners?

Joint fellowship with RACGP
Doctors practising in Australia and who hold reciprocal Fellowship with the Royal Australian College of General Practitioners (RACGP) will report their CPD to the RACGP whilst working full-time in Australia. However, if you intend to hold a New Zealand practising certificate and to practise in New Zealand for any portion of the year, you will need to report your CPD to both Colleges. All activities endorsed by the RACGP for their CPD program are recognised by the College, and can be claimed as endorsed activities; however, New Zealand CPD requirements include compulsory peer review and audit of medical practice components, which are optional in the CPD program in Australia.

How does HealthCert comply with the World Federation For Medical Education’s global standards in CPD?

The World Federation For Medical Education recommends a set of global standards in CPD which can be divided into nine areas (defined as broad components in the, process, structure, content, outcomes/competencies, assessment and learning environment of CPD), covering:
1. Mission and outcomes
2. Educational program
3. Assessment and documentation
4. The individual doctor
5. CPD provision
6. Educational resources
7. Evaluation of CPD activities
8. Organisation
9. Continuous renewal

HealthCert meets these standards through the following channels:
1.1 Mission: Website
1.2 Professionalism and autonomy: Website
1.3 Outcomes of CPD: Course outlines, education guide and eLearning
1.4 Participation in formulation of mission and outcomes: RACGP, GPs and stakeholders involved
2.1 Framework of CPD activities: Course outlines and education guide
2.2 Content of CPD activities: Course outlines, education guide and website
2.3 Relation between CPD and service: Website process and GP submissions
3.1 Assessment methods: Training handbook
3.2 Documentation of CPD: eLearning
4.1 Motivation: Education Advisor services
4.2 Learning strategies: Systematic presentations
4.3 Influence of individual doctors on CPD: EA service and RACGP design with GPs
4.4 Working conditions: Reflective activities
5.1 Recognition policy: RPL
5.2 Provider obligations and development: COI policy trainers handbook
5.3 Role of medical schools: Quality assurance and university partners
6.1 Physical facilities: Venues and eLearning
6.2 Learning settings: Venues, eLearning and clinical attachments
6.3 Information technology: Canvas
6.4 Interaction with colleagues: Collaboration opportunities
6.5 Formalised CPD activities: Local, national and international CPD
6.6 Medical research: Quality development activities
6.7 Educational expertise: Training handbook
6.8 Learning in alternative settings: Freedom of movement, local, national, international
7.1 Program monitoring and evaluation: Evaluation procedures
7.2 Feedback to providers: Focus groups and feedback
7.3 Involvement of stakeholders : RACGP and ACRRM quality stakeholders
8.1 Documentation and needs for planning: Website, learning guarantee
8.2 Academic leadership: Medical and educational leaders’ biographies and CV
8.3 Budgets and resources: Fund CPD for employees, scholarships for registrars
8.4 Administration: Admin structures, organization chart and role descriptions
9.1 Continuous renewal: Review process, continuous improvement, minutes

Postgraduate studies and professional pathways

Where does HealthCert fit in the AQF levels?

The AQF levels range from Level 1 (Certificate 1) to Level 10 (Doctoral degree). The lower levels are normally delivered by a Registered Training Organisations (RTO) and they are vocational competency-based qualifications. The higher levels are normally delivered by a university or Higher Education Provider (HEP) and they are academic/research based qualifications.

As an accredited Professional Development Provider with ACRRM and RACGP, HealthCert does not fit into the AQF levels - we offer Professional Diplomas, not vocational diplomas or higher education diplomas. However, HealthCert has used similar language and concepts to AQF Level 8 in our Professional Diploma courses. Some universities are willing to recognise the prior learning of HealthCert qualifications towards Graduate Certificate/Graduate Diploma units and provide a pathway to Master's degrees. In some cases, there are additional requirements that must be met in order to access the pathway. Please contact a HealthCert Education Advisor to learn more.

Does HealthCert certify competence?

HealthCert is a professional development provider, and not a competency-based vocational training provider.

As an RACGP accredited professional development provider, HealthCert's goal is to expand GPs' knowledge of procedures by providing brand-free demonstrations and interactive presentations from experts in the field, in a clear and systematic manner, with practical hands-on activities and a focus on patient safety.

We encourage all GPs, as qualified professionals, to seek and comply with regulations for practice in specific areas and ensure they have appropriate insurance coverage.

Depending on their prior qualifications and experience, GPs may decide to enrol in HealthCert online courses, face-to-face courses, clinical attachments, conferences or masterclasses in addition to networking with a wide range of suppliers to compare their products and support services, and seeking professional mentors and professional association membership.

Academic freedom and integrity

Does HealthCert support academic freedom?

Academic freedom is the freedom of students and teachers to study, teach, and pursue knowledge and research without unreasonable interference or restriction from institutions or other sources.

At HealthCert we value academic freedom and facilitate free choice of studies from all available topics without high pressure selling for any one program.

HealthCert will take action on any breeches of academic freedom and reserves the right to discipline any HealthCert staff member who breeches academic freedom principles.

Does HealthCert support academic integrity?

Academic Integrity is important at HealthCert. Your HealthCert qualifications should represent your own learning journey. Your studies should be genuine and honest.

Academic integrity is the guiding principle for all that you do when studying with HealthCert; from taking exams to writing reflective papers and submitting cases for review. It requires that you recognize and acknowledge information from other sources and take credit only for ideas and work that are yours.

At HealthCert we assume that GPs are trusted professionals of the highest integrity. They do not: cheat in exams, receive help without acknowledging it, pay others to do assignments, plagiarise or provide false information in order to meet course requirements.

HealthCert acts quickly on any evidence of academic integrity misconduct and reserves the right to withdraw academic recognition and advise the related professional organisations should any misconduct be proven.

Cosmetic medicine in New Zealand

How can I start practising cosmetic procedures in New Zealand?

This statement outlines the Medical Council of New Zealand's expectations of doctors who perform cosmetic procedures. These include standards relating to training, skill and expertise, advertising and obtaining consent from the patient.

How to start practising cosmetic procedures in New Zealand
One way to start offering cosmetic procedures in NZ is through a mentorship program which is called a collegial relationship. At present, doctors may search for their own mentor with the required registration here. After gaining experience under this collegial relationship, New Zealand doctors may then decide to apply for the experiential pathway below.

The experiential pathway (for doctors with cosmetic experience)
The experiential pathway to the New Zealand Society of Cosmetic Medicine (NZSCM) may lead to only one year of study needing to be completed with the NZSCM, rather than the full two-year program. Evidence must be provided to the NZSCM in order to join the experiential pathway.

The HealthCert Professional Diploma of Aesthetic Medicine requires the submission of a Clinical Audit which includes 10 of the doctor’s own cases in aesthetic medicine. The 10 cases are great evidence of cosmetic medicine experience which is needed for the experiential pathway. New Zealand doctors can pass this on to the NZSCM in addition to their HealthCert qualifications in aesthetic medicine and a resume showing cosmetic experience.

To summarise, doctors may decide to:
1. Study the lower levels of aesthetic medicine with HealthCert
2. Start performing cosmetic medicine under a collegial relationship in New Zealand
2. Complete the HealthCert Professional Diploma of Aesthetic Medicine which includes submission of their own cases
3. Apply to the New Zealand Society of Cosmetic Medicine for the experiential pathway with the following evidence: Copies of HealthCert qualifications, copies of own cases submitted for the Professional Diploma, resume showing cosmetic experience under collegial relationship.

Every doctor is considered separately by the NZSCM on a case-by-case basis, depending on the evidence they provide.

HealthCert 365 terms and conditions

Scope and use of HealthCert 365

The subscription grants the Customer (being the legal entity that has taken out the subscription) the right to use the HealthCert 365 Service (“the Services”). The subscription may not be used by other people or organizations.

Duration and termination of the HealthCert 365 subscription

The annual subscription runs from the date the 14-day free trial ends. For example, if the free trial is started on 1st January, the paid subscription will commence on 14th January. At the end of the 12-month period (annual subscription), the subscription will automatically be renewed for another 12-months unless terminated by the Customer in writing. The minimum subscription period is 12 months.
The annual subscription may be terminated by email to one month before the expiry of the subscription. The agreement cannot be terminated for a period of subscription already initiated and the Customer will not be entitled to a refund for that subscription period.
The Customer may terminate any subscription free of charge within the 14-day trial period however will not have any related CPD activity recognised. HealthCert 365 shall (without prejudice to any other rights or remedies it may have) be allowed to terminate the subscription immediately without giving the Customer prior notice if the Services or subscription is misused (including, but not limited to, use by other people or organisations).

Alternative to subscription

HealthCert 365 offers a range of alternative methods to access the learning and content through a range of certificate and professional diploma courses as well as access to practical workshops.

Price and payment terms

The charges are listed on the website. Upgrades to other options within the HealthCert suite of courses do not form part of the HealthCert 365 subscription. The first invoicing period begins from the date the Customer commences their annual subscription (after trial period) and will run for exactly 12-months. After that period, annual services are invoiced for the next period (annual). Credit card merchant fees are charged to the Customer.
If the subscription is not paid by the due date, a first reminder will be sent to the Customer. If the subscription remains unpaid ten days after the date of the first reminder, access to the Services will be denied until a remedy has been sought.
HealthCert365 will not be responsible for any loss, damage, costs, expenses, or other claims of the Customer resulting from the suspension of the Services. The Customer agrees to the use of e-mail (using an e-mail address specified by the Customer) or another electronic method of transmission as the medium for entering into a subscription agreement, sending invoices and reminders.

Operating stability

HealthCert365 aims to provide the highest possible degree of operating stability but is not responsible for any breakdown caused by factors beyond its control. Such breakdown includes but is not limited to power failures, errors occurring in modem equipment, ADSL connections, telecommunications connections or the like. In all events, HealthCert365 aims to re-establish normal operations as quickly as possible.

Maintenance of the System

HealthCert365 is entitled to make operational changes to the Service for improvements or otherwise (for example by developing or updating software) without giving the Customer prior notice. In some circumstances it may be necessary to suspend access to the Services, usually between 11pm and 6am AESDT. Notice of such a suspension will be given to the Customer in advance. HealthCert365 will not be responsible for any consequences of such a suspension where notice has been given.


The System remains the full property of HealthCert365. HealthCert365 may at any time transfer its rights and obligations under this agreement to any economic affiliate, subsidiary, or business unit, or any of their affiliated companies or divisions. Except as provided above, the rights and obligations under this agreement may not be transferred to any third party without the written consent of the other party.

Liability of HealthCert 365

HealthCert365 has taken reasonable measures to ensure that the Services are virus-free, but no warranty is given that the Services are free from infection from viruses etc., and HealthCert365 shall have no liability if this is not the case. To the extent permitted by law, HealthCert365 disclaims all warranties with respect to the Services, either express or implied, including but not limited to any implied warranties of suitability or fitness for any particular purpose.

Privacy Policy and Confidentiality

Refer to HealthCert’s privacy policy at


HealthCert 365 shall be entitled to communicate with the Customer about important system updates and other pertinent information.


When cancelling an annual subscription, all future charges associated with future years of the subscription will be cancelled. The Customer may notify us of the intent to cancel at any time; the cancellation will become effective at the end of the current annual billing period. The Customer will not receive a refund, prorated or otherwise, for the remainder of the annual term. However, the subscription access and/or delivery and accompanying subscriber benefits will continue for the remainder of the current annual billing period.