terms & Conditions.
Last updated: November 28, 2024
Welcome to The Insurance Engineer (“us”, “we”, or “our”). These Terms and Conditions (“Terms”) govern your use of our websites [https://www.theinsuranceengineer.com] and [https://www.shoptheinsuranceengineer.com] (collectively referred to as the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Site.
Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page. Changes will take effect immediately upon posting. You are advised to review these Terms periodically for any changes. Your continued use of the Site and any product(s) after any modifications to the Terms signifies your acceptance of the updated Terms.
Access to the Site
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes. You agree not to use the Site for any unlawful purpose or in a manner that could harm, disable, overburden, or impair the Site.
Intellectual Property
All content on the Site, including text, graphics, logos, images, and software, is the property of The Insurance Engineer or its content suppliers and is protected by intellectual property laws. You agree not to reproduce, distribute, modify, or create derivative works of any content without our express written permission.
User Content
You may be able to submit comments, feedback, or other content to the Site (“User Content”). By submitting User Content, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content worldwide in any media.
You represent and warrant that you own or have the necessary rights to the User Content you submit and that such User Content does not infringe on the rights of any third party.
Prohibited Conduct
You agree not to:
Use the Site for any illegal purpose or in violation of any local, state, national, or international law.
Post or transmit any User Content that is unlawful, defamatory, obscene, harassing, threatening, or otherwise objectionable.
Interfere with the security or integrity of the Site or attempt to gain unauthorized access to any part of the Site or its systems.
Use any automated means, including robots, spiders, or data mining tools, to access or scrape the Site.
Third-Party Links & Affiliate Disclosure
The Site may contain links to third-party websites or services that are not owned or controlled by The Insurance Engineer. We may also use affiliate links to promote products or services. This means that we may earn a commission if you make a purchase through these links, at no additional cost to you. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we are not liable for any damage or loss caused by or in connection with the use of any third-party websites or services.
Email communications
By using our services, you consent to receive email communications from The Insurance Engineer. These communications may include updates, promotional offers, and important information about your account or services. We use a dedicated email domain, news.emailattheinsuranceengineer.com, to ensure the security and reliability of our communications. If you prefer to opt out of promotional emails, you can do so by following the unsubscribe instructions provided in each email.
Digital Products
This section applies to all digital products available on The Insurance Engineer’s website, including but not limited to:
Personal Finance Tracker
Digital Finance Journal
Digital Finance Guides
Printable Worksheets
Financial Tools (e.g., calculators, trackers, templates)
Usage Rights
All digital products are intended for personal use only. Sharing, distributing, selling, or reproducing these products for commercial purposes is strictly prohibited.
Delivery of Digital Products
Digital products are delivered electronically to the email address provided during checkout. Ensure you use a valid and accessible email address. If you do not receive your product, please check your spam or junk folder or contact us at support@theinsuranceengineer.com for assistance.
Refund Policy
Due to the nature of digital products, all sales are final. Refunds will not be issued once a digital product has been downloaded or accessed. If you experience technical issues, please contact us for support.
Intellectual Property
All digital products, including their content, design, and structure, are the exclusive property of The Insurance Engineer. Unauthorized duplication or distribution of our products is prohibited and may result in legal action.
Updates and Modifications
We reserve the right to update, modify, or discontinue any digital product without prior notice. Purchasers may receive updates free of charge when applicable.
Communications
By purchasing a digital product, you consent to receive email communications related to product updates, promotions, and services. These communications will be sent via our dedicated email domain, news.emailattheinsuranceengineer.com. You may opt out of promotional emails at any time by following the unsubscribe link in the email.
Disclaimers
The Site is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the operation or availability of the Site or the information, content, materials, or products included on the Site. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
Limitation of Liability
In no event shall The Insurance Engineer, its founders, members, directors, employees, partners, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including, without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use the Site; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; (iii) any interruption or cessation of transmission to or from the Site; or (iv) any bugs, viruses, or the like that may be transmitted to or through the Site by any third party.
Indemnification
You agree to indemnify, defend, and hold harmless The Insurance Engineer and its founders, members, officers, directors, employees, partners, and affiliates from any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that arise from your use of the Site, your User Content, or your violation of these Terms.
Governing Law
These Terms shall be governed and construed in accordance with the laws of the state in which The Insurance Engineer operates, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within that state.
Contact Us
If you have any questions about these Terms, please contact us at support@theinsuranceengineer.com.