City
Newark, New Jersey — 20 min. from Manhattan
Training programs
Bachelor's and Master's degrees
Age
from 17 years old
Tuition fees
from $37,000 per year

New Jersey Institute Of Technology

New Jersey Institute of Technology operates from a specific philosophy: technology is not just a subject — it is a vocation. Founded in 1881 as Newark Technical School, it has grown over nearly a century and a half from a modest trade institution into a Carnegie R1 doctoral university — the classification reserved for institutions with the very highest research activity, shared by fewer than 4% of all American colleges and universities. NJIT is the only public polytechnic in New Jersey at this level, and that combination — genuine research depth with a focused STEM mission — creates an educational environment difficult to replicate anywhere else in the region.

The numbers that define NJIT's standing are worth examining in detail. Annual research expenditures exceeded $200 million in the 2023–2024 academic year — a figure that places NJIT in the company of universities several times its size. The New York Times' College Access Index ranks NJIT first among all U.S. public universities for the ratio of graduate earnings to cost of attendance. The Wall Street Journal places it at number 19 nationally. U.S. News & World Report's 2026 edition ranks it at number 84 among national universities and number 42 among top public schools — continuing an upward trajectory of 19 places since 2022. The Princeton Review names it the best public university in New Jersey and places it in the top 27 Best Value Public Colleges nationwide.

The location is strategically precise. NJIT's 45-acre campus sits in Newark's University Heights district — New Jersey's largest city, five minutes' walk from Newark Penn Station. From there, NJ Transit trains reach Manhattan's Penn Station in 20 minutes at a cost of $4–5 each way. This is not incidental to the NJIT experience — it is central to it. New York City's financial district, Silicon Alley, the pharmaceutical corridor of northern New Jersey, and Newark Liberty International Airport are all within 30 minutes. Students at NJIT are simultaneously inside a concentrated, specialized academic environment and immediately adjacent to one of the world's most dynamic labor markets.

NJIT holds dual land-grant and sea-grant designations — an institutional status that opens access to federal research programs unavailable to typical private technical institutes. The university manages the Enterprise Development Center, New Jersey's largest technology and life science business incubator, which houses approximately 90 companies employing around 400 people directly on the campus. Students do not merely pass these companies in the hallway — they intern with them, study them from the inside, and receive first job offers before graduation. Newark is also a college city: Rutgers University-Newark, Seton Hall Law, and Essex County College share the University Heights neighborhood, creating a combined student population of approximately 30,000 in the immediate vicinity.

University at a Glance

Location: University Heights, Newark, New Jersey — 20 min. from Manhattan
Institution Type: Public Polytechnic Research University (Carnegie R1)
Founded: 1881 (as Newark Technical School)
Total Enrollment: 13,000+ students, including 7,500+ undergraduates
International Students: ~1,900 from 70+ countries
Student-to-Faculty Ratio: 15:1
Academic Schools: 6 specialized schools
Total Programs: 125+ degree programs; 142 academic programs overall
Annual Research Expenditure: $200 million+ (FY 2023–2024)
First-Year Retention Rate: 90%
Graduation Rate: 73%
U.S. News Ranking 2026: #84 National Universities; #42 Top Public; #44 Social Mobility
Times Higher Education 2026: #501 globally
QS World Ranking 2026: #761–770 globally
Best Public University NJ: Princeton Review and Niche
Accreditation: MSCHE (Middle States Commission on Higher Education)
Official Website: www.njit.edu

New Jersey Institute Of Technology: schools, programs and majors

Six specialized schools and 125+ programs — everything organized around one conviction: technology is the most powerful force shaping the world, and the people who understand it best will lead it.

NJIT's academic architecture is built around depth rather than breadth. This is a deliberate institutional choice: to be exceptional in what matters most for the technology-driven economy of the twenty-first century, rather than adequate across every discipline. The result is that NJIT's engineering, computing, and architecture programs carry a reputation disproportionate to the university's size. Students are not lost among 50,000 peers — they are in a purposeful environment where professors conduct active research, employers arrive on campus to recruit, and the incubator next door is hiring for internships.

Undergraduate Programs

Newark College of Engineering is the historical backbone of NJIT and one of the largest engineering colleges among public polytechnic universities in the United States. Undergraduate programs include Biomedical Engineering, Chemical Engineering, Civil Engineering, Computer Engineering, Electrical Engineering, Environmental Engineering, Industrial Engineering, and Mechanical Engineering. Every program holds ABET accreditation — the professional standard recognized by engineering licensing boards in the United States, Canada, the European Union, and a growing number of other countries, including those participating in the Washington Accord. For a student from Russia, Kazakhstan, or Ukraine who wants to work as an engineer internationally, an ABET-accredited degree is the credential that opens doors regardless of borders.

Ying Wu College of Computing is where NJIT's contemporary strength is most visible to the global market. Undergraduate programs in Computer Science, Information Technology, Information Systems, and Data Science consistently rank among the strongest in the region. The Business with AI program — the first of its kind in New Jersey — was designed specifically for students who want to deploy artificial intelligence toward real business problems, combining technical depth with managerial application in a way that neither a pure CS degree nor a traditional business degree achieves alone. All computing programs carry STEM designation, qualifying graduates for the 36-month OPT extension after degree completion.

Hillier College of Architecture and Design is the only NAAB-accredited architecture school in New Jersey operated by a public university. NAAB accreditation is not a credential distinction — it is a professional prerequisite: without a NAAB-accredited degree, an architecture graduate cannot obtain a professional license to practice in most U.S. states. The five-year Bachelor of Architecture program combines intensive studio work, digital design, environmental sustainability, and direct engagement with the New York metropolitan architecture market — one of the most active and competitive in the world. Interior Design and Industrial Design programs round out the college's portfolio.

College of Science and Liberal Arts provides the scientific and quantitative foundation that supports NJIT's technical programs while offering standalone undergraduate degrees in Biology, Chemistry, Mathematics, Applied Mathematics, Statistics, Physics, and Applied Physics. The college functions as a bridge between pure science and applied engineering: many NJIT students pursue dual degrees — combining Mathematics or Biology with Computer Science or Biomedical Engineering — to create profiles that are uniquely competitive in biomedical research, quantitative finance, and data-intensive industries.

Martin Tuchman School of Management offers undergraduate concentrations in Business Administration, Finance, Marketing, Management Information Systems, Entrepreneurship, and Technology Management. The defining feature of this school is its structural integration with the university's STEM identity: courses are explicitly designed at the intersection of management strategy and technical competence, producing graduates who understand both the business problem and the technological solution. In a job market where companies consistently report difficulty finding managers who understand technology, this profile is practically valuable.

Albert Dorman Honors College operates across all six schools, providing the most academically exceptional students with accelerated research access, personal faculty mentorship, smaller class sizes, and expanded international exchange opportunities. Admission to the Honors College is competitive and is typically offered to students with top academic credentials at the point of admission.

Graduate Programs — Master's and Doctoral

NJIT's graduate portfolio exceeds 70 programs, the majority concentrated in the areas where the university's research infrastructure is most developed — engineering, computing, and applied science. Graduate study at NJIT is not simply coursework continuation: it is entry into a research environment spending $200 million annually, surrounded by industry partners who recruit continuously and located 20 minutes from the world's largest technology and financial employment market.

Computing and data science graduate programs draw the heaviest international enrollment. The MS in Computer Science covers algorithms, machine learning, cybersecurity, software engineering, systems programming, and distributed computing. The MS in Data Science addresses the full pipeline from data engineering through statistical modeling and machine learning deployment, with applications in financial services, healthcare, and technology — all industries with significant employer presence in the New York–New Jersey metropolitan area. The MS in Information Systems prepares students for enterprise architecture and digital transformation roles. All three programs carry STEM designation; all three qualify graduates for the 36-month OPT extension. New York and New Jersey consistently rank in the top three states nationally for data science employment.

Engineering graduate programs span the full range of Newark College of Engineering disciplines: Biomedical Engineering, Chemical Engineering, Civil Engineering, Electrical Engineering, Environmental Engineering, Mechanical Engineering, Systems Engineering, and Transportation. The MS and PhD programs in Biomedical Engineering are among the most sought-after, positioned as they are within commuting distance of New Jersey's pharmaceutical cluster — Pfizer, Johnson & Johnson, Merck, Novartis, and Roche all maintain significant research and manufacturing operations in the state and recruit from NJIT systematically.

Business and financial engineering at the graduate level reflects NJIT's understanding that technology and management are increasingly inseparable. The MBA through the Martin Tuchman School of Management is designed for professionals who want to combine leadership development with technical context. The MS in Management (STEM-designated) and MS in Financial Engineering (STEM-designated) address the market for quantitative analysts, risk managers, and financial technologists — roles heavily concentrated in New York's financial district and accessible within a 20-minute commute from campus. The PhD in Business Data Science, offered for fall enrollment only, is among the most competitive doctoral programs NJIT offers; applicants must submit GRE or GMAT scores, and the application deadline is December 15 for fall 2026.

Architecture and design graduate programs at Hillier College — including the MS in Architecture, MS in Infrastructure Planning, and MS in Urban Informatics — attract design professionals seeking to deepen expertise in sustainable construction, computational design, and smart urban systems. For architecture graduates from post-Soviet countries who hold a 5-year specialist degree and wish to pursue professional licensure in the United States, the NAAB-accredited NJIT pathway is the most accessible public option in the region.

Doctoral programs in Computer Science, Electrical Engineering, Biomedical Engineering, Materials Science, Environmental Engineering, and Applied Mathematics are primarily funded through Research Assistantship, covering tuition and providing annual stipends of $18,000–$30,000. Given the university's $200 million research expenditure, the volume of funded positions is substantial — particularly in areas intersecting with Department of Defense priorities, NIH-funded health research, and industrial partnerships.

Tuition and cost of attendance (2025–2026)

NJIT is one of the few R1 research universities in the northeastern United States where out-of-state tuition remains below the regional average for comparable institutions — a meaningful advantage given the career outcomes it delivers.

All students holding F-1 or J-1 visa status pay the out-of-state tuition rate. The figures below are based on the 2024–2025 official rates as approved by NJIT's Board of Trustees, adjusted upward by approximately 4.8% to reflect the projected 2025–2026 rates consistent with the university's historical annual increase pattern.

Undergraduate Annual Budget

Out-of-state tuition and fees for the 2025–2026 academic year are estimated at approximately $39,477, up from $37,664 in 2024–2025. A critical note for international students: NJIT requires all F-1 and J-1 visa holders to carry the NJIT Student Health Insurance Plan at a cost of $1,997 per year. Unlike many other universities, NJIT does not permit international visa holders to waive this requirement by presenting alternative coverage. This is a mandatory fixed cost that must be factored into any budget calculation.

On-campus housing and dining — the most common arrangement for first-year undergraduates — runs approximately $16,450 per year, based on a standard double room and Meal Plan A. Students living off campus face housing costs estimated at $17,936 per year under the university's official Cost of Attendance model, though actual rental costs in Newark and the surrounding University Heights neighborhood are often lower in practice, ranging from $10,000 to $14,000 annually for shared apartments — significantly less than equivalent distances from Manhattan. Books and course materials are estimated at $2,900 per year for most programs and $4,800 for Architecture students, reflecting the higher material costs of studio work and specialized software. Transportation and personal expenses add approximately $5,200 based on official estimates.

The resulting total Cost of Attendance for an international undergraduate student living on campus is approximately $62,714 for 2024–2025, with the 2025–2026 figure projected in the range of $65,000–$67,000 after applying standard annual increases to all components. This figure is higher than several comparable public universities in the region, driven primarily by the mandatory health insurance requirement and the comprehensive indirect cost estimates. However, for students who receive merit scholarships — which the university awards to 70% of undergraduates — the net cost is meaningfully lower.

Graduate Annual Budget

Graduate out-of-state tuition is estimated at approximately $40,252 for 2025–2026, up from $38,436 in 2024–2025. The mandatory health insurance adds $1,997 annually for all full-time international students enrolled in nine or more credits. Off-campus housing and living expenses for graduate students in the Newark area typically run $14,000–$18,000 per year. The all-in annual budget for a self-funded international master's student is therefore approximately $56,000–$60,000. For doctoral students receiving Research or Teaching Assistantship funding, tuition is covered by the university and a stipend of $18,000–$30,000 is provided, reducing the personal financial obligation to living expenses alone.

Scholarships and financial support

70% of NJIT undergraduates receive grants or scholarships, with an average award of $16,845 — and all applicants are considered automatically, without a separate scholarship application.

NJIT's financial aid policy is built around a single straightforward principle: every admitted student is automatically evaluated for institutional merit aid at the time of the admissions decision. No separate scholarship application is required. Official data confirm that 70% of enrolled undergraduates receive some form of grant or scholarship support, with an average annual award of $16,845. For international students — who are not eligible for U.S. federal financial aid (FAFSA) — this institutional scholarship pool is the primary source of direct tuition reduction from the university itself.

Merit-based scholarships for international undergraduates are awarded on the basis of academic achievement: GPA, class standing, and the rigor of secondary school coursework. Most renewable scholarships require maintaining a minimum GPA of 3.0 to continue receiving the award in subsequent years. Individual schools — particularly Newark College of Engineering and Ying Wu College of Computing — maintain named endowed scholarships assigned to the most distinguished incoming students. Award amounts vary from $1,000 to several thousand dollars per year. Students who apply before the Early Action deadline of November 1 receive priority consideration in the scholarship evaluation process.

Study Group — NJIT's official international recruitment partner — provides additional support for students enrolling through this channel: visa assistance, language preparation, and orientation services. For students whose English proficiency falls below the direct admission threshold, Study Group's academic preparation pathway provides a structured route to the degree program with a guaranteed progression upon successful completion.

Graduate funding is anchored in Teaching and Research Assistantship appointments. TA positions involve leading laboratory sections or discussion groups; RA positions involve working within a faculty member's research grant. Both provide full tuition remission and a monthly stipend. Given NJIT's $200 million annual research budget, the supply of funded positions is substantial — particularly in engineering and computing, where grants from the Department of Defense, NIH, NSF, and corporate partners generate consistent RA openings. All applicants are automatically considered for departmental funding at the time of admission; students are additionally advised to make direct contact with potential faculty supervisors before applying, since lab-level funding decisions often precede the formal admissions decision.

External scholarship programs expand the funding landscape. Kazakhstan's Bolashak Program lists NJIT among approved institutions and covers full tuition and living costs. The Fulbright U.S. Student Program annually selects graduate students and researchers from eligible post-Soviet and other countries for funded American study. Corporate scholarships from the New Jersey pharmaceutical cluster — Johnson & Johnson, Merck, Pfizer, and Novartis all maintain scholarship programs for STEM students at regional universities — are accessible through the Career Development Services office. F-1 students may work on campus for up to 20 hours per week. Post-graduation OPT provides 12 months of work authorization, extensible to 36 months for STEM graduates — which encompasses virtually every engineering, computing, and science program at NJIT, as well as the STEM-designated management programs.

Admission requirements

An acceptance rate of approximately 67% and a rolling admissions policy make NJIT genuinely accessible — while competitive programs in Engineering and Computing maintain meaningful selectivity within that overall rate.

Undergraduate Admissions

The academic foundation required for undergraduate admission is a completed secondary school program equivalent to twelve years of education, with strong coursework in mathematics and natural sciences. NJIT explicitly lists algebra, geometry, trigonometry, chemistry, and physics as the expected preparatory subjects — a curriculum that matches precisely the standard secondary school program in Russia, Kazakhstan, Ukraine, and other post-Soviet countries. Official transcripts must be submitted directly from the issuing institution; copies forwarded by the applicant are not accepted. A certified English translation must accompany all non-English documents.

NJIT's test-optional policy applies to all undergraduate applicants, including international students: SAT and ACT scores are not required. The middle 50% of admitted students who do submit scores show SAT results in the range of 1190–1450 and ACT scores of 27–33. The average GPA of admitted students is approximately 3.75–3.80 on a 4.0 scale, and NJIT typically expects applicants to be in the top 25% of their secondary school class. International applicants are evaluated primarily on their academic transcript and English proficiency documentation.

English language proficiency is mandatory for all applicants whose native language is not English. Undergraduate minimum thresholds for direct admission are: TOEFL iBT 79 (new scale: 4.0 overall), IELTS 6.0 with no subsection below 6.0, Duolingo English Test 100, and PTE Academic 53. The TOEFL institution code for NJIT is 2561. An important exception: the MS in Computer Science within Ying Wu College of Computing sets a higher IELTS minimum of 6.5 with subsection floors of 6.0 — students targeting this program should plan accordingly. Students whose scores fall below direct admission thresholds are eligible to enroll in English language preparation through Study Group's pathway before beginning degree coursework.

The complete undergraduate application package consists of an online application through the Common App or NJIT's admissions portal, a $75 non-refundable application fee, official secondary school transcripts with certified English translation, official English proficiency scores sent directly from ETS, the British Council, or the Duolingo testing service using NJIT code 2561, and a personal essay. Architecture and design applicants must submit a portfolio — for first-year applicants this is submitted directly through the application. Letters of recommendation are not required for undergraduate admission but are considered when provided. Following an offer of admission: financial documentation confirming availability of first-year funding is required for I-20 issuance. The SEVIS fee of $350 is paid separately as part of the F-1 visa application.

Application Deadlines — Undergraduate

NJIT uses rolling admissions for undergraduate applications — files are reviewed as they become complete, without a single decision batch. Three dates carry specific importance. Early Action, with a deadline of November 1, 2025, is non-binding and yields decisions in December; applicants in this round receive priority consideration for institutional merit scholarships. The Regular Decision deadline is February 1, 2026, with decisions posted in March or April. Spring semester enrollment targets an October 2025 deadline for a January 2026 start. Earlier submission within any round consistently improves both the speed and the favorability of scholarship consideration.

Graduate and Doctoral Admissions

Graduate admission requires a completed four-year bachelor's degree or its internationally recognized equivalent with a minimum GPA of 3.0 on a 4.0 scale. A critical note for applicants from post-Soviet countries: Russian and Kazakhstani five-year specialist degrees are generally recognized by NJIT as equivalent to an American bachelor's degree — and in some cases equivalent to a master's degree, enabling direct application to doctoral programs without an intermediate American master's. Where NJIT cannot independently assess equivalency, a credential evaluation from a NACES-accredited agency such as WES or IEE is required.

English language requirements at the graduate level are more stringent than at the undergraduate level. Minimum thresholds are TOEFL iBT 79 (new scale: 4.0), IELTS 6.5 with a minimum of 6.0 in each subsection, Duolingo English Test 120, and PTE Academic 57. The TOEFL institution code is 2561. Students who meet the TOEFL 79/IELTS 6.5 threshold are not required to take ESL coursework but may enroll voluntarily — ESL credits count toward the nine required for full-time status but do not count toward degree requirements. Individual departments may set higher internal English proficiency standards; the Computer Science graduate program is known to apply closer review to speaking and writing subscore profiles.

GRE and GMAT requirements vary by program and are determined at the departmental level. Most engineering and computing programs strongly encourage GRE submission as part of a competitive application, though the specific minimum scores are set by individual departments. The MBA and most management programs accept either GMAT or GRE. The PhD in Business Data Science requires GRE or GMAT, with scores submitted by the December 15 application deadline. All applicants are encouraged to submit standardized test scores if available, as they are considered positively in holistic review even when not formally required.

The standard graduate application package includes an online application through NJIT's Graduate Admissions portal, a $75 non-refundable application fee, official academic transcripts from all attended institutions with certified English translation, official English proficiency scores sent directly using NJIT code 2561, a Statement of Purpose of one to three pages, two to three letters of recommendation from faculty or professional supervisors, and a CV or resume. Applications missing any component are placed in an incomplete queue and are not reviewed until the file is complete. Students are therefore strongly advised to assemble the full package before initiating submission.

Graduate application deadlines: the general graduate application deadline for Fall 2026 enrollment is April 1, 2026; for Spring 2026, it was October 1, 2025. The PhD in Business Data Science accepts applications for fall enrollment only, with a deadline of December 15, 2025 for Fall 2026. Engineering and Computing doctoral programs competing for funded positions are reviewed earliest — priority consideration for Teaching and Research Assistantships is typically given to applications received by December or January for fall enrollment. Specific deadlines are published on individual school admissions pages and should be verified directly before submission.

Complete Document Checklist

For undergraduate applicants: completed online application (Common App or NJIT portal), $75 non-refundable fee, official secondary school transcripts with certified English translation, official TOEFL/IELTS/Duolingo/PTE scores sent directly using code 2561, personal essay, portfolio (architecture and design programs only), copy of valid passport. For graduate applicants: completed online graduate application, $75 fee, official university transcripts from all attended institutions with certified English translation, official English proficiency scores (code 2561), Statement of Purpose, two to three letters of recommendation, CV or resume, GRE or GMAT where required by program. After admission for both: financial documentation (bank statement or sponsor letter) for Form I-20 issuance, SEVIS fee payment ($350), F-1 visa interview at a U.S. embassy or consulate.

Campus life and student support

45 purposeful acres in Newark's University Heights — with the most focused, career-oriented student community in the region, and the world's largest technology and financial labor market a 20-minute train ride away.

The NJIT campus is compact by American university standards, and that compactness generates a social density and sense of community that larger campuses often struggle to achieve. Over the past decade, the university has doubled its physical footprint through sustained capital investment — new student lounges, an open-air rooftop garden, a gaming room, a bowling alley, and modern fitness facilities have been added to the existing academic infrastructure. The Van Houten Library and the specialized Littman Library for Architecture and Design provide strong academic support across all disciplines.

The student culture at NJIT is, by its own account, oriented around purpose. The Princeton Review characterizes the student body as one unified by a shared focus on professional success after graduation — a community that is academically intense without being socially impoverished. More than 100 student organizations cover engineering competitions, hackathons, cultural associations, e-sports, Greek life, professional networks, and volunteer initiatives. Competitive engineering teams are a genuine point of pride: NJIT students regularly place in national robotics competitions, concrete canoe races, and Formula SAE automotive design challenges.

Housing options on and immediately adjacent to campus include several residence halls and apartment complexes. First-year students are strongly encouraged — though not required — to live on campus, as the social and academic integration benefits in the first semester are significant. The surrounding Newark neighborhoods — particularly the University Heights district and the Ironbound — offer a range of off-campus housing at cost levels substantially below Manhattan or Hoboken. Students comfortable with a slightly longer commute can find shared apartments for $800–$1,100 per person per month, well below the New York metropolitan average.
Transportation from NJIT is among the most efficient of any university in the region. Newark Penn Station is a five-minute walk from the main campus entrance. From Penn Station Newark, direct NJ Transit trains reach Manhattan's Penn Station in 20 minutes. The AirTrain connects Penn Station Newark to Newark Liberty International Airport in 10 minutes. Within the University Heights neighborhood, NJIT jointly operates a free shuttle service with Rutgers-Newark connecting to major transit hubs and student services.

Student support infrastructure is organized around the two categories most important to international students: immigration status and academic success. The Office of Global Initiatives (OGI) manages all F-1 and J-1 immigration matters — I-20 issuance, OPT and CPT authorization, SEVIS record maintenance, travel signatures, and general immigration advising. ESL courses are available through the academic curriculum and count toward the nine credits required for full-time status, without counting toward degree credits. Academic tutoring in mathematics, physics, and programming is available without charge through Academic Affairs. The Counseling Center provides confidential mental health support.

Career development at NJIT is remarkably robust relative to the university's size. Career Development Services facilitates more than 2,800 co-op and internship placements annually — one of the highest rates per student in the northeastern United States. The combination of a specialized STEM curriculum, mandatory ABET accreditation, and a 20-minute commute to Manhattan's employer base produces employment outcomes that few comparably sized public universities can match. New Jersey's pharmaceutical cluster — Pfizer, Johnson & Johnson, Merck, Novartis, Roche — recruits from NJIT systematically. Wall Street financial firms recruit for quantitative roles. The technology sector, represented by major employers throughout Silicon Alley and the Jersey City-Hoboken innovation corridor, provides consistent placement for computing and data science graduates. The New York Times' ranking of NJIT first among U.S. public universities for alumni earnings relative to cost is not an anomaly — it is the predictable result of a well-engineered alignment between academic specialization and geographic opportunity.

Contacts

Vladimir Rudeshko
Representative of US Universities
I am an official representative of educational institutions abroad and your professional guide in admission.

My mission is to help you choose the most suitable program and educational institution, complete all documents correctly and meet the deadlines for you to become a student at a foreign university. I have extensive experience working with students who come to study in North America and in particular in the USA and Canada.

Contact us in any way convenient for you

Leave a request for consultation
My name is Vladimir, and I am an educational consultant with over 20 years of experience helping students enroll in U.S. institutions.

My help with admission is free — my work is paid for by the university when you successfully begin your studies.

Please fill out the application and I will personally answer all your questions and help you with admission and full registration to educational institutions in the USA.
Any comments or questions? Write here:
You agree with our Terms and Conditions