Please note that some sessions are conducted by Ruba Moghraby, some by Nick Nelson and some sessions are conducted by both Nick & Ruba. Therefore, this agreement uses "Nick&Ruba" to mean Nick and/or Ruba. You will find that there is repetition in this Terms & Agreement form. There are several pages to this online form. Not all questions are mandatory. Make sure you complete this form all the way through and hit send. *