Terms of Use 2020-08-06T16:06:35-07:00

Welcome to Insurance Sales Lab!

These Terms and Conditions (“Terms of Use“) together with our Privacy Policy are a legally binding agreement between the user (“User” or “you“) of the Insurance Sales Lab (the “Company”) Services described herein and Insurance Sales Lab (“Insurance Sales Lab“, “we” or “us“).

By accessing this website – https://insurancesaleslab.com and all its subdomains (the “Site”, “Website”) we assume you accept these terms and conditions in full. If you do not agree to these terms and conditions in their entirety, you are not authorized to use the Website in any manner or form whatsoever.

We respect your privacy and the use and protection of your non-public, personal information. Your submission of personal information through the Website is governed by our Privacy Policy. Our Privacy Policy may be viewed at https://insurancesaleslab.com/privacy-policy. Insurance Sales Lab reserves the right to modify its Privacy Policy in its reasonable discretion from time-to-time. Our Privacy Policy is incorporated into this Agreement by reference.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of United States. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Cookies,

We employ the use of cookies. By using Insurance Sales Lab’s website you consent to the use of cookies in accordance with Insurance Sales Lab’s privacy policy.

Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

License

Unless otherwise stated, Insurance Sales Lab and/or it’s licensors own the intellectual property rights for all material on Insurance Sales Lab All intellectual property rights are reserved.

You must not:

Republish material from this Site Sell, rent or sub-license material from this Site Reproduce, duplicate or copy material from this Site Redistribute content from Insurance Sales Lab (unless content is specifically made for redistribution).

User Comments

This Agreement shall begin on the date hereof.

Certain parts of this website offer the opportunity for users to post and exchange opinions, information, material and data (‘Comments’) in areas of the website. Insurance Sales Lab does not screen, edit, publish or review Comments prior to their appearance on the website and Comments do not reflect the views or opinions of Insurance Sales Lab, its agents or affiliates. Comments reflect the view and opinion of the person who posts such view or opinion. To the extent permitted by applicable laws Insurance Sales Lab shall not be responsible or liable for the Comments or for any loss cost, liability, damages or expenses caused and or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Insurance Sales Lab reserves the right to monitor all Comments and to remove any Comments which it considers in its absolute discretion to be inappropriate, offensive or otherwise in breach of these Terms and Conditions.

You warrant and represent that: You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
The Comments do not infringe any intellectual property right, including without limitation copyright, patent or trademark, or other proprietary right of any third party;
The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material or material which is an invasion of privacy
The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant to Insurance Sales Lab a non-exclusive royalty-free license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content

The following organizations may link to our Web site without prior written approval: Government agencies;
Search engines;
News organizations;
Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses; and
Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

We may consider and approve in our sole discretion other link requests from the following types of organizations: commonly-known consumer and/or business information sources such as Chambers of Commerce, American Automobile Association, AARP and Consumers Union;
dot.com community sites;
associations or other groups representing charities, including charity giving sites,
online directory distributors;
internet portals;
accounting, law and consulting firms whose primary clients are businesses; and
educational institutions and trade associations.

We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b)the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of Insurance Sales Lab; and (d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and it products or services; and (c) fits within the context of the linking party’s site.

If you are among the organizations listed in paragraphs above and are interested in linking to our website, you must notify us by sending an e-mail to info@insurancesaleslab.com Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.

Approved organizations may hyperlink to our Web site as follows:

By use of our corporate name; or
By use of the uniform resource locator (Web address) being linked to; or
By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party’s site.
No use of (cname)’s logo or other artwork will be allowed for linking absent a trademark license agreement.

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

If you send comments or suggestions about the Site to the Company, including, but not limited to, notes, text, drawings, images, designs or computer programs, such submissions shall become, and shall remain, the sole property of the Company. No submission shall be subject to any obligation of confidence on the part of the Company. The Company shall exclusively own all rights to (including intellectual property rights thereto), and shall be entitled to unrestricted use, publication, and dissemination as to all such submissions for any purpose, commercial or otherwise without any acknowledgment or compensation to you.

Accounts

You need an account for most activities on our website, including to purchase and enroll in a course. When setting up and maintaining your account, you must provide and continue to provide accurate and complete information, including a valid email address. You have complete responsibility for your account and everything that happens on your account, including for any harm or damage (to us or anyone else) caused by someone using your account without your permission. This means you need to be careful with your password. You may not transfer your account to someone else or use someone else’s account without their permission. If you contact us to request access to an account, we will not grant you such access. In the event of the death of a user, the account of that user will be closed.

You must notify us immediately upon learning that someone else may be using your account without your permission (or if you suspect any other breach of security) by emailing us at info@insurancesaleslab.com. We may request some information from you to confirm that you are indeed the owner of your account.

Course Enrollment

Course is defined as a lesson or a series of lessons or lectures teaching a skill or strategy via video, audio, or print format.

When you enroll in a course, whether it’s a free or paid course, you are getting from Insurance Sales Lab a license to view the course via the Insurance Sales Lab platform and Services, and Insurance Sales Lab is the licensor of record. Courses are licensed, and not sold, to you. This license does not give you any right to resell the course in any manner (including by sharing account information with or illegally downloading the course and sharing it on torrent sites).

Insurance Sales Lab grants you a limited, non-exclusive, non-transferable license to access and view the courses and associated content for which you have paid all required fees, solely for your personal, non- commercial, educational purposes through the Services, in accordance with these Terms and any conditions or restrictions associated with a particular courses or feature of our Services. All other uses are expressly prohibited. You may not reproduce, redistribute, transmit, assign, sell, broadcast, rent, share, lend, modify, adapt, edit, create derivative works of, sublicense, or otherwise transfer or use any course unless we give you explicit permission to do so in a written agreement signed by an Insurance Sales Lab authorized representative. This also applies to content you can access via any of our APIs.

Content and Behavior Rules

You may not access or use the Services or create an account for unlawful purposes. Your use of the Services and behavior on our platform must comply with applicable local or national laws or regulations of the United States. You are solely responsible for the knowledge of and compliance with such laws and regulations that are applicable to you. You may not access our Services if you are from a territory where U.S. businesses are prohibited from engaging in business or if you have been designated a Specially Designated National, Denied Person, or Denied Entity by the U.S. government.

Insurance Sales Lab has discretion in enforcing the Safety Guidelines. We may terminate or suspend your permission to use our platform and Services or ban your account at any time, with or without notice, for any violation of these Terms, if you fail to pay any fees when due, upon the request of law enforcement or government agencies, for extended periods of inactivity, for unexpected technical issues or problems, or if we suspect that you engage in fraudulent or illegal activities. Upon any such termination, we may delete your account and content, and we may prevent you from further access to the platforms and use of our Services. You agree that we will have no liability to you or any third party for termination of your account, removal of your content, or blocking of your access to our platforms and services.

Disclaimer – Your Business’ Individual Results Will Vary

Every online business is different, employing different strategic approaches and organizational structures, and offering different products and services. Therefore, individual results will vary from user to user. Your business’ individual results will vary depending upon a variety of factors unique to your business, including but not limited to your content, business model, and product and service offerings.

This website is intended to be for educational and entertainment purposes only. Insurance Sales Lab does not promise, guarantee, or warrant your business’ success, income, or sales. You understand and acknowledge that Insurance Sales Lab will not at any time provide sales leads or referrals to you or your business. Those businesses who purchase our products or services will receive access to training, software and tools to assist with their respective services and offerings. However, we do not guarantee your business’ success and based upon many market factors that we cannot control, the training, software and tools we provide may or may not be applicable to your specific business. Further, we do not make earnings claims, efforts claims, return on investment claims, or claims that our training, software, tools, or other offerings will make your business any specific amount of money, and it is possible that you will not earn your investment back. We do not sell a business opportunity, “get rich quick” program, guaranteed system, franchise system, or a business in a box. You should not purchase our products or services if that is your expectation. Instead, you should purchase with the understanding that using the information and software purchased will take time and effort and may be applicable in some situations but not others.This site is not a part of any insurance providers website. Additionally, this site is not endorsed by any insurance provider in any way. Also, we do not offer any tax, accounting, financial, or legal advice. You should consult your business’ accountant, attorney, or financial advisor for advice on these topics.

Testimonials, Reviews, And Pictures/videos

Insurance Sales Lab is pleased to hear from users and customers and welcomes your comments regarding our services and products. Insurance Sales Lab may use testimonials and/or product reviews in whole or in part together with the name, city, and state of the person submitting it. Testimonials may be used for any form of activity relating to Insurance Sales Lab’ services or products, in printed and online media, as Insurance Sales Lab determines in its sole and exclusive discretion. Testimonials represent the unique experience of the participants and customers submitting the testimonial, and do not necessarily reflect the experience that you and your business may have using our services or products. As set forth above in Section 11, your business’ results will vary depending upon a variety of factors unique to your business and market forces beyond Insurance Sales Lab’ control. Note that testimonials, photographs, and other information that you provide to us will be treated as non-confidential and nonproprietary, and, by providing them, you grant Insurance Sales Lab a royalty-free, worldwide, perpetual, non-exclusive and irrevocable license to use them.

Additionally, Insurance Sales Lab reserves the right to correct grammatical and typing errors, to shorten testimonials prior to publication or use, and to review all testimonials prior to publication or use. Insurance Sales Lab shall be under no obligation to use any, or any part of, any testimonial or product review submitted.

Order Placement And Acceptance

If you order a service or product, payment must be received by us before your order is accepted. We may require additional information regarding your order if any required information was missing or inaccurate, and may cancel or limit an order any time after it has been placed. Your electronic order confirmation, or any form of confirmation, does not signify our acceptance of your order. You must contact us immediately at info@insurancesaleslab.com in order to modify or cancel your pending order. We cannot guarantee that we will be able to amend your order in accordance with your instructions.

All items are subject to availability. We will notify you if any item is not available, the expected availability date, and may offer you an alternative product or service. We reserve the right to limit the sales of our products and services to any person, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis at our sole and exclusive discretion.

Your purchase order of products and other services is conditioned on you re-affirming your acceptance of this Agreement.

All advertised prices are in, and all payments shall be in, U.S. Dollars.

Pricing

We regularly run promotions and sales for our services & courses and certain services & courses are only available at discounted prices for a set period of time. The price applicable to a service or course will be the price at the time you complete your purchase of the service or course (at checkout). Any price offered for a particular service or course may also be different when you are logged into your account from the price available to users who aren’t registered or logged in, because some of our promotions are available to new users only.

Payments

You agree to pay the fees for courses that you purchase, and you authorize us to charge your debit or credit card or process other means of payment (such as ACH, direct debit, or mobile wallet) for those fees.

When you make a purchase, you agree not to use an invalid or unauthorized payment method. If your payment method fails and you still get access to the course you are enrolling in, you agree to pay us the corresponding fees within thirty (3) days of notification from us. We reserve the right to disable access to any course for which we have not received adequate payments.

Trial Offers

From time to time, Insurance Sales Lab May offer products on a seven, (7), fifteen (15) and thirty (30) day free trial basis. When such offers are made, the trial period begins on the date the order is placed, not the date of shipment or delivery to customer. The trial days shall be counted as 7, 15 or 30 calendar days. At the conclusion of the 7, 15 or 30 day free trial period, the customer’s credit card shall be billed for the purchase price, unless the service has been canceled or product has been returned to and received by Insurance Sales Lab Prior to the end of the 7, 15 or 30 calendar day trial period.

Subscription Terms And Automatic Payment

If you are an Insurance Sales Lab user with a monthly subscription and you have provided us with a valid credit or debit card number or an alternate payment method, each payment will be automatically processed at the time of your designated payment date (monthly) and will be billed to the payment method you provided to us at the time of your enrollment. An Insurance Sales Lab subscription user is responsible for paying all sums due to Insurance Sales Lab in connection with their monthly subscription in accordance with these Terms. The first fee payable in accordance with these Terms is due when the user account is set up and payment of the monthly fee is a condition of access, or after your free trial ends and you have not canceled the automatic subscription with us. Every calendar month, your account will be charged the subscription fee plus applicable tax for the following month’s subscription, together with any other fees for the following month’s subscription plus any accumulated charges for the past period (collectively, “Fees”). Failure by the Insurance Sales Lab user to use any of the services available through the service provided by the Insurance Sales Lab does not relieve the Insurance Sales Lab user of their payment obligations under these Terms.

Potential users can pay by credit card or debit card. Payment details shall be collected by us through our secure financial data collection mechanism. You acknowledge and agree that we hold data relating to the transaction, including the last four digits and the expiration date of the card used to purchase the products or services together with details on when payment is due. You further acknowledge and agree that payments are due on a recurring basis in accordance with the payment terms for the specific service purchased (unless the subscription is cancelled in accordance with these Terms) and therefore authorize the automatic payment collection terms applicable to that specific service (e.g., on a monthly basis and for a specific amount).

Insurance Sales Lab reserves the right to immediately terminate a user’s account and/or service for any unpaid (in whole or part) period of the subscription (with or without notice). Termination of service in no way relieves or excuses the user from any obligation to pay outstanding charges or expenses. In the event Insurance Sales Lab starts collection processes of any type, you will be liable for all collection costs, including legal fees and expenses. In addition to any Fees, Insurance Sales Lab may also charge applicable value added or other tax.

Refunds & Non- Subscription Cancellations

The following is my (Vlads) 90 DAY 100% Money Back Guarantee:

“If you complete the Double My Sales Bootcamp by completing all of the video modules, and take action by doing all of the assignments, and you do not see a significant increase in your sales, then I (Vlad) will work with you 1:1 to help you implement my sales & referral process in your agency. If that doesn’t help you achieve your desired result, then I will issue you a 100% refund.”

Termination of your employment in the industry, the lack of your opportunity to use the purchased content or the lack of your ability to complete the terms of the refund policy beyond Insurance Sales Lab’ control does not constitute a refund.

The Facebook Marketing course contains proprietary processes and information. No refunds will be processed for the Facebook course once the it has been started.

You can request a credit/refund to your account, within 90 days of your purchase. We reserve the right to apply a credit or a refund, at our discretion, depending on capabilities of our payment processing partners. No credit or refund is due to you if you request it after the 90-day guarantee time limit has passed.

Payment Dispute Resolution

If you elect not to comply with the 100% refund policy outlined above and dispute a valid payment. Insurance Sales Lab will use reasonable efforts to resolve all payment disputes that we have elected to investigate.
If Insurance Sales Lab resolves a payment dispute in your favor and elects to process a refund. In such an event, Insurance Sales Lab will process a refund less the amount of the Payment Dispute Resolution Fee which equates to (fifteen) 15% of the charged amount plus any payment processing, refund, and dispute fees charged by the payment processor.

Monthly Subscription Cancellation

If you wish to cancel your Insurance Sales Lab subscription at any time after a free trial or discounted period ends, you must submit a cancellation request to us via the contact form in your account dashboard or by e-mailing info@insurancesaleslab.com. For monthly subscriptions, we require at least ten (10) days’ notice of cancellation by e-mail. If you provide such notice less than ten (10) days before the first day of your next subscription month, your credit card may still be charged. You will not be entitled to pro-rate your last month’s use, nor will you be entitled to any refund for any payments to Insurance Sales Lab. If you cancel your subscription, your account will automatically close at the end of your current billing period.

At our discretion, if we believe you are abusing our credit/refund policy, we reserve the right to ban your account and to restrict all future use of the Services. If we ban your account or disable your access to a course due to your violation of these Terms, you will not be eligible to receive any credit or refund.

Credit Card Chargeback Policy

If you attempt to dispute or deny a valid charge, we will first contact you directly, because many disputed charges occur as a result of the customer not recognizing our charge on their statement, such as a situation where an employee used a corporate card to purchase our training and an accounts payable manager doesn’t recognize the charge. You will have five (5) calendar days to reverse your dispute with your bank or credit card issuer upon receipt of our notice.

We will immediately begin the process of fighting your chargeback, using all available information including a correct AVS (address verification service) and card security code match on your order, proof-of-delivery of our product to you, copies of any and all emails and support tickets you have sent us, proof-of-use of digital products, and a search of the web and your social media accounts for any mention that you have purchased our product(s). We experience over a 90% chargeback win rate using these methods. Be aware that your bank may charge you additional fees if you lose your dispute.

If your chargeback appears to be caused erroneously or so-called “Friendly Fraud” – an attempt on your part to defraud Insurance Sales Lab and abuse the chargeback process to obtain our services or products for free, we may file a police report with your local law enforcement agencies, along with a report to the FBI’s IC3 Internet Crimes Unit, which announced in December, 2014 that they believe over 92% of all credit card chargebacks in the US to be so-called “friendly fraud” and that they are now prosecuting consumers who attempt such chargebacks.

Your account will be turned over to a collection agency, which will initiate collection activities as well as report your account as delinquent to all of the major credit bureaus.

If you still do not resolve the situation by either reversing the dispute or reimbursing us for the amount disputed plus our bank fees, we reserve the right file a civil lawsuit against you in the Clark County, Washington court for the amount disputed, for bank fees related to the chargeback, for additional damages for the harm your chargeback causes to our merchant credit record, and for punitive damages as the courts do not take credit card fraud lightly.

Usage

Insurance Sales Lab hereby grants You (as a User) a limited, non-exclusive, non-transferable license to access and use Content on this site, for which You have paid all required fees, solely for Your personal, non- commercial, educational purposes through the Services, in accordance with these Terms and any conditions or restrictions associated with particular Courses or Services. All other uses are expressly prohibited absent Our express written consent. You may not reproduce, redistribute, transmit, assign, sell, broadcast, rent, share, lend, modify, adapt, edit, create derivative works of, license, or otherwise transfer or use any Content unless We give You explicit permission to do so. Content is licensed, and not sold, to You.

Termination

Insurance Sales Lab reserves the right to terminate, suspend, modify, or delete, at Our sole discretion, any (a) Submitted Content, Company Content, Courses, or any Service; and (b) Your access to Our Services or Your Account, as follows:

If You breach or violate any of these Terms or any of Our applicable policies, as posted on Our Services from time to time, Insurance Sales Lab may take action immediately without prior notice to You. If We take action pursuant to this section, We shall not have any liability to You for any Course(s) You may have purchased nor for any other use of Our Services associated with Your Account. For the avoidance of any doubt, You understand and agree that You will not be compensated nor be eligible for any refund under any circumstances for any such access lost to Our Services, including without limitation to Course(s) You may have purchased. We may also take action for any reason or no reason, in which case We will provide prior notice to You. You may terminate Your use of the Services at any time, either by ceasing to access them, or by requesting the deactivation of Your Account. We have no obligation to retain any of Your Account or Submitted Content for any period of time beyond what may be required by applicable law. Upon termination, You must cease all use of the Services and Content.

Permission to Contact

By inputting your contact information into any form, including your telephone number, email address or street address you provide express written consent for Insurance Sales Lab to sending you future information, contacting you, and monitoring and recording these communications to assure the quality of service or for other marketing reasons. This means we may contact you via email postal mail, residential number, mobile number and/or text messaging (including use of automated dialing equipment and pre-recorded calls) even if your name is on the Federal “Do-not-call List.”

When you register with the Company and/or this Site, you expressly consent to receive any notices, announcements, agreements, disclosures, reports, documents, communications concerning new products or services, or other records or correspondence from the Company. You consent to receive notices electronically by way of transmitting the notice to you by email.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavor to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

limit or exclude your liability for death or personal injury resulting from negligence;
limit or exclude your liability for fraud or fraudulent misrepresentation;
limit any of your liabilities in any way that is not permitted under applicable law; or
exclude any of your liabilities that may not be excluded under applicable law.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

THE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY PERFORMANCE OR SERVICE PROBLEMS CAUSED BY ANY THIRD PARTY WEBSITE OR THIRD PARTY SERVICE PROVIDER (INCLUDING, FOR EXAMPLE, VIDEO PLAYER SERVICEs, EMAIL SERVICES, CONTENT DELIVERY NETWORKS, DOCUMENT DISPLAY AND DELIVERY SERVICES, ELEARNING PLATFORMS, ONLINE FORMS SERVICES, SIGNATURE CAPTURING SERVICES, PAYMENT PROCESSING SERVICES, AND/OR ANY UPDATES OR UPGRADES TO THOSE PLATFORMS). ANY SUCH PROBLEM SHALL BE GOVERNED SOLELY BY THE AGREEMENT BETWEEN YOU AND THAT PROVIDER. THE COMPANY RESERVES THE RIGHT TO DETERMINE, IN ITS SOLE DISCRETION, WHETHER THE COMPANY IS RESPONSIBLE FOR ANY SUCH MALFUNCTION OR DISRUPTION. THE COMPANY ALSO RESERVES THE RIGHT TO LIMIT YOUR USE OF THE SITE AND/OR THE CONTENT OR TO TERMINATE YOUR ACCOUNT SHOULD THE COMPANY DETERMINE THAT YOU HAVE VIOLATED THESE TERMS OF USE, OR THAT YOU HAVE VIOLATED ANY OTHER RULES OR CONDITIONS OF THE COMPANY. THE COMPANY RESERVES THE RIGHT TO REFUSE ACCESS TO THE SITE AND/OR THE COMPANY’S CONTENT, PRODUCTS AND/OR SERVICES TO ANYONE IN ITS SOLE DISCRETION. THE COMPANY RESERVES THE RIGHT TO DETERMINE, IN ITS SOLE DISCRETION, WHETHER THE COMPANY IS RESPONSIBLE FOR ANY SUCH MALFUNCTION OR DISRUPTION. THE COMPANY MAY, IN ITS SOLE DISCRETION, REFUND THE INITIAL FEE CHARGED FOR ANY USE OF THE SITE AND/OR ANY CONTENT OR A PRO-RATA PORTION THEREOF CONSISTENT WITH THE COMPANY’S REFUND POLICY. THE COMPANY SHALL REFUSE ANY REFUND THIRTY (30) DAYS AFTER YOUR PAYMENT FOR USE OF THE SITE AND/OR ANY CONTENT, EITHER PURSUANT TO THE COMPANY’S CUSTOMER LICENSE AGREEMENT OR OTHERWISE, REGARDLESS OF THE REASON FOR DISRUPTION.

IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE, RELIANCE OR CONSEQUENTIAL DAMAGES, WHETHER FORESEEABLE OR NOT, INCLUDING, BUT NOT LIMITED TO, DAMAGE OR LOSS OF PROPERTY, EQUIPMENT, INFORMATION OR DATA, LOSS OF PROFITS, REVENUE OR GOODWILL, COST OF CAPITAL, COST OF REPLACEMENT SERVICES, OR CLAIMS FOR SERVICE INTERRUPTIONS OR TRANSMISSION PROBLEMS, OCCASIONED BY ANY DEFECT IN THE SITE, THE CONTENT, AND/OR RELATED MATERIALS, THE INABILITY TO USE SERVICES PROVIDED HEREUNDER OR ANY OTHER CAUSE WHATSOEVER WITH RESPECT THERETO, REGARDLESS OF THEORY OF LIABILITY. THIS LIMITATION WILL APPLY EVEN IF THE COMPANY HAS BEEN ADVISED OR IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

No Waiver

No failure or delay on the part of Insurance Sales Lab in exercising any right, power or remedy under this Agreement may operate as a waiver, nor may any single or partial exercise of any such right, power, or remedy preclude any other or further exercise of such right, power, or remedy, or the exercise of any other rights, power, or remedy under this Agreement. A waiver of any right or obligation under this Agreement shall only be effective if in writing and signed by Insurance Sales Lab.

Jurisdiction

This agreement shall be governed by the laws of the state of Washington without regard to principles of conflict of laws. Any legal claim arising from this agreement shall be brought and heard in a Clark County, Washington court.

These Terms of Use may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms of Use to which you are bound.