The National Academy of Osteopathy assumes no liability whatsoever for direct or indirect loss or damage suffered or incurred by any student or third party as a result of matters beyond its control, including but not limited to delays, interruption, suspension or cancellation of services, courses or classes, or other academic and clinical activities where the interruption or cancellation is caused by natural disasters, fire, water, theft, strike, lockout, protest, government action, civil unrest or disobedience, financial exigency, inability to procure materials or trades, utility interruptions, or damage to NAO property. NAO reserves the right to change its institutional rules and regulations from time to time without notice.