After 24 hours from the time of purchase, online and webinars cannot be refunded. You can choose a replacement participant if you are unable to make it after you register or you can switch to another course or another date. Private classes refund policies vary, see agreement for terms

TERMS OF SERVICE: By accessing the web site at www.asktheunderwriter.net you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law. USE LICENSE: Permission is granted to temporarily download one copy of the materials (information or software) on Ask the Underwriter’s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not: modify or copy the materials; use the materials for any commercial purpose, or for any public display (commercial or non-commercial); attempt to decompile or reverse engineer any software contained on Ask The Underwriter’s web site; remove any copyright or other proprietary notations from the materials; or transfer the materials to another person or “mirror” the materials on any other server. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Ask the Underwriter at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format. DISCLAIMER: The materials on Ask the Underwriter’s web site are provided “as is”. Ask the Underwriter makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Ask the Underwriter does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site. INFORMATION WE COLLECT & COOKIES: Whenever you interact with our Services, we automatically receive and record information on our server logs from your browser or device, which may include your IP address, geolocation data, device identification, “cookie” information, the type of browser and/or device you’re using to access our Services, and the page or feature you requested. “Cookies” are identifiers we transfer to your browser or device that allow us to recognize your browser or device and tell us how and when pages and features in our Services are visited and by how many people. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of cookies, but this may prevent you from taking advantage of some of our features. If you click on a link to a third-party website or service, a third party may also transmit cookies to you. Again, this Privacy Policy does not cover the use of cookies by any third parties, and we aren’t responsible for their privacy policies and practices. Please be aware that cookies placed by third parties may continue to track your activities online even after you have left our Services, and those third parties may not honor “Do Not Track” requests you have set using your browser or device. We may use this data to customize content for you that we think you might like, based on your usage patterns. We may also use it to improve the Services – for example, this data can tell us how often users use a particular feature of the Services, and we can use that knowledge to make the Services interesting to as many users as possible. 9.2 Privacy Policy Due to our keeping expenses low and slowly growing our site traffic and sales, the company’s net worth will gradually increase over time. We aren’t in a race and have no motivation to try and rush anything and/or spend money frivolously to reach any of our goals. Our liabilities are very slim, and our sales forecast is conservative, so we are more likely to beat these projections than to fail at reaching them. HOW WE PROCECT YOUR INFORMATION: We do not rent or sell your Personal Information. We employ other companies and people to perform tasks on our behalf and need to share your information with them to provide products or services to you; for example, we may use a payment processing company to receive and process any credit card transactions for us. Unless we tell you differently (or unless stated otherwise in a third-party privacy policy referred to below), our agents do not have any right to use the Personal Information we share with them beyond what is necessary to assist us. We currently use the following third party services, and by using our Services, you agree to be bound by the applicable privacy policies for such third party services: PayPal’s Privacy policy: https://www.paypal.com/va/webapps/mpp/ua/privacy-full AFFLIATED BUSINESSES: In certain situations, businesses or third-party websites we’re affiliated with may sell or provide products or services to you through or in connection with our Services. You can recognize when an affiliated business is associated with such a transaction or service. We have no control over the policies and practices of third-party websites or businesses as to privacy or anything else, so if you choose to take part in any transaction or service relating to an affiliated website or business, please review all such business’ or websites’ policies. COPPA (Children’s Online Privacy Protection Act): We do not knowingly collect or solicit personal information from anyone under the age of 13. If you are under 13, please do not attempt to register for the Services or send any personal information about yourself to us. If we learn that we have collected personal information from a child under age 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us personal information, please contact us at privacy@asktheunderwriter.net.