Annual Full Membership: membership is for one year from the date of payment. You have the right to cancel your membership within 14 days. Cancellation must be given in writing. We will refund your payment in full if cancellation is within 14 days.  This purchase will auto-renew after 12 months, unless you cancel.  You can cancel 2-weeks before your renewal date.  Cancellation will be effective at the end of the annual membership.  There is no partial refund during your subscription year.  Monthly Full Membership: membership is for one month only, from the date of payment. This purchase will auto-renew each month unless you cancel.  You can cancel at any time before the renewal date and cancellation will then be effective at the end of your month’s membership.  There is no option for a partial refund during your subscription month.  The monthly membership does not grant you access to the discount on courses and insurance.