Terms of Use 2019-12-06T13:53:37-07:00

Welcome to Insurance Sales Lab!

These Terms and Conditions (“Terms of Use“) 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. Do not continue to use Insurance Sales Lab’s website if you do not accept all of the terms and conditions stated on this page.

Please also review the Privacy Policy at https://insurancesaleslab.com/privacy-policy which also govern use of this Site.

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.

Course Enrollment

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.

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.

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.”

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.

Monthly Subscription Cancellation

You can cancel your Insurance Sales Lab subscription at any time, and you will continue to have access to the Insurance Sales Lab service through the end of your monthly billing period. We do not provide refunds or credits for any partial-month membership periods. To cancel, go to the “Contact” page on our website, to request the cancelation via the contact form. If you cancel your membership, 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

A “chargeback” occurs when a customer disputes a credit card charge. A fraudulent chargeback occurs when a customer attempts to dispute a charge for service or merchandise that they have knowingly purchased and have returned for a refund.

Attempting to dispute a valid credit card charge is fraudulent and is illegal in most states. Insurance Sales Lab, does not tolerate chargeback fraud, and we follow the following procedure when this takes place:

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 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 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 endeavour 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 our or your liability for death or personal injury resulting from negligence;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit any of our or your liabilities in any way that is not permitted under applicable law; or
exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

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, your web service provider service, Stripe payment services, your software and/or any updates or upgrades to that software). 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.

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.