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These Terms and Conditions ("Terms") apply to all products and services offered by Mary Harris, also known as The Insurance Sales Queen ("Company," "we," or "us"). By accessing or using this website hosted on Zenler.com, you ("Customer," "User," or "Client") agree to be bound by these Terms, all applicable laws, and regulations. If you do not agree to these Terms, you are prohibited from using or accessing this website. The materials on this website are protected by applicable copyright and trademark laws.
1. Sales and Refunds
All sales made through this website are final unless otherwise stated (e.g., during promotional periods where a satisfaction guarantee may apply). There are no refunds for any products or services purchased, including but not limited to courses, coaching sessions, and digital products.
2. License of Use
Permission is granted to download free resources offered by the Company (e.g., free PDFs) for personal use, while access to paid materials is limited to viewing only for personal, non-commercial use. This is the grant of a license, not a transfer of title.
Under this license, you may not:
Modify or copy the materials, except where explicitly allowed (such as free resources explicitly made available for download).
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 the website.
Remove any copyright or other proprietary notations from the materials.
Transfer the materials to another person or “mirror” the materials on any other server.
Downloading, copying, or distributing any materials without permission is strictly prohibited, except for free materials explicitly offered for download by the Company, such as free PDFs. These free resources may be kept for personal use.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by the Company 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, except for free materials explicitly provided for permanent download.
3. Disclaimer
The materials on this website are provided "as is." The Company 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, the Company does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site. The Company is not responsible for any disruptions or errors caused by third-party platforms hosting our content.
4. Limitations
In no event shall the Company or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Company’s website, even if the Company or a Company authorized representative has been notified orally or in writing of the possibility of such damage. Some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Revisions and Errata
The materials appearing on the Company’s website may include technical, typographical, or photographic errors. While we strive for accuracy, the Company does not warrant that any of the materials on its website are accurate, complete, or up to date. The Company reserves the right to make changes to the materials on the website at any time without prior notice. However, the Company is not obligated to update the materials and makes no guarantee of periodic updates. Users are encouraged to verify any material before relying on it.
6. Access to Content
Any mention of "lifetime access" or "unlimited access" for courses, videos, or digital materials does not imply permanent or indefinite access. Access to content is subject to the continued operation of the platform. The Company reserves the right to revoke access for reasons such as platform shutdowns, legal issues, or violations of these Terms.
7. Links
The Company has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by the Company of the site. Use of any such linked website is at the user's own risk.
8. Site Terms of Use Modifications
The Company may revise these Terms for its website at any time without notice. By using this website, you are agreeing to be bound by the then-current version of these Terms and Conditions.
9. Governing Law
Any claim relating to this website, its use, or any services or products provided by the Company shall be governed by the laws of the State of New York, without regard to its conflict of law provisions. In the event of any dispute arising under these Terms, the parties agree to first attempt to resolve the dispute through informal negotiations. If a resolution cannot be reached, the dispute shall be resolved through binding arbitration, conducted in accordance with the rules of the American Arbitration Association. Any legal actions or proceedings related to this agreement will take place exclusively in the state or federal courts located in New York, and both parties consent to the jurisdiction of these courts.