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Terms of Service for CEU Course Purchases

  • You can enter and exit the course area as often as you wish.
  • CEU.com will report the credits to your State insurance Department (unless you reside in a self reporting state).
  • A Money Back Guarantee is in effect for 7 days after registration date or up until an exam is submitted, whichever comes first.
  • CE Credits for additional state(s) and/or designation organization for which CEU.com is the authorized credit reporting entity, will be reported for an additional charge of $3/course.
  • For states or designations that are “student self-reporting” in nature, an electronic certificate will be placed in the student’s account and no additional fee will apply.
  • All reporting/ processing charges for reporting credits to additional state(s) and/or designations such as CPCU, CFP, CLU are non-refundable.
  • Course purchasers have up to 12 months from the date of registration to complete a course, after which time the course will expire and will be deleted from the users account.

Terms of Use

Acceptance of Terms of Use
These Terms of Use govern your use of the CEU.com website. By using, visiting, or browsing the CEU.com website, you accept and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you should not use the CEU.com website.

Changes to Terms of Use
CEU.com,a business unit of The American Institute For Chartered Property Casualty Underwriters(AICPCU) ,reserves the right, from time to time, with or without notice to you, to change these Terms of Use in our sole discretion. The most current version of the Terms of Use will supersede all previous versions. Your use of the CEU.com website after changes are made means that you agree to be bound by such changes.

Privacy
Any information submitted on the CEU.com website is subject to our Privacy Policy, the terms of which are incorporated herein. Please review our “Privacy Policy” hyperlink located at the bottom of the pages of the CEU.com website to understand our practices. Account Access In order to provide you with ease of access to your account, CEU may place a cookie (a small text file) on any computer from which you access the CEU.com website. When you revisit the CEU.com website, this cookie will enable us to recognize you as the account holder. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer.

Disclaimers of Warranties and Limitations on Liability
The CEU.com website and its contents are provided "as is" and we make no representations or warranties of any kind with respect to the CEU.com website or its contents. We assume no liability or responsibility for any errors or omissions in the content of the CEU.com website, any losses or damages arising from the use of the content provided on the CEU.com website, or any conduct by users of the CEU.com website. We disclaim all representations and warranties, including, for example, warranties of merchantability, fitness for a particular purpose, and non-infringement. In addition, we do not represent or warrant that the information accessible via our site is accurate, complete or current. In no event shall CEU.com, its shareholders, directors, officers, or employees be liable (jointly or severally) to you for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever resulting from loss of use, data or profits, whether or not advised of the possibility of damage, and on any theory of liability, arising out of or in connection with the use or performance of this information. If any applicable authority holds any portion of this section to be unenforceable, then liability will be limited to the fullest possible extent permitted by applicable law.

Information Provided by CEU.com Does Not Consititute Legal Advice
“CEU.com, a business unit of The Institutes, profides information for the convenience of insurance licensees. While reasonable care is taken in creating and updating this information, neither CEU.com nor The Institutes warrant this information to be accurate or current. This information does not constitute legal advice and is subject to change without notice. CEU and The Institutes strongly suggest that licensees confirm any questions involving CE or license requirements with their state insurance department, as is their ultimate responsibility as a licensed professional.”

Intellectual Property

Copyright
All content included on the CEU.com website, including text, graphics, logos, designs, photographs, button icons, images, audio/video clips, digital downloads, data compilations, and software, is the property of (AICPCU) or its suppliers and is protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of (AICPCU) and protected by U.S. and international copyright laws. They may not be reproduced or used without express written permission from CEU.com.

Trademarks
CEU is a registered trademark of CEU.com, a business unit of AICPCU .All CEU.com graphics, logos, page headers, button icons, scripts and service names are trademarks or trade dress of AICPCU. CEU's trademarks and trade dress may not be used in connection with any product or service that is not CEU's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits CEU. All other trademarks not owned by CEU that appear on the CEU.com website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by CEU. Any images of persons or personalities contained on the CEU.com website shall not be an indication of endorsement of any particular product or our service unless otherwise specifically indicated.

Use of Information Submitted
CEU.com, a business unit of AICPCU is free to use any comments, information, ideas, concepts, reviews, or techniques contained in any communication you may send to the CEU.com website without further compensation, acknowledgement or payment to you for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products and creating, modifying or improving the CEU.com website or other websites. Furthermore, by posting any information on our site, you grant us a nonexclusive, royalty-free license to display, use, reproduce or modify that information.

Your Conduct on the CEU.com Web Site
By accessing the CEU.com website, you agree not to upload, post, email or otherwise send or transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment associated with the CEU.com website. You also agree not to interfere with the servers or networks connected to the CEU.com website or to violate any of the procedures, policies or regulations of networks connected to the CEU.com website, the terms of which are incorporated herein. You also agree not to impersonate any other person while using the CEU.com website, conduct yourself in a vulgar or offensive manner while using our service, or use the CEU.com website for any unlawful purpose.

Limitations on Use
You must be 18 years of age or older to use the CEU service. Unless otherwise specified, the content on the CEU.com website is for our use and we grant you a limited license to access the CEU.com website for that purpose. You may not download (other than through page caching necessary for personal use), modify, copy, distribute, transmit, display, perform, reproduce, duplicate, publish, license, create derivative works from, or offer for sale any information contained on, or obtained from, the CEU.com website without our express written consent. Any unauthorized use of the CEU.com website or its contents will terminate the limited license granted by us.

Right to Terminate
We reserve the right to terminate or restrict your use of our service, without notice, for any or no reason whatsoever.

Links
Some of the hyperlinks on the CEU.com website may lead to other websites that are not controlled by, or affiliated with, CEU.com. In addition, other websites may link to the CEU.com website. CEU.com has not reviewed these websites and is not responsible for the content or privacy policies of these websites.

Privacy Statement

Background
When you register at CEU, we ask you for personal information. We use this information to process your courses, report continuing education credits where allowed, generate Certificates of Completion, and to communicate with you about the status of your courses. We also use your email address to send you newsletters you subscribed to during registration, as well as messages about CEU special offers, promotional announcements and consumer surveys. Occasionally, we send our customers special offers and promotional information via postal mail, using the address provided. If you no longer want to receive the newsletters, other announcements or postal mail, simply unsubscribe through the hyperlinks provided or contact CEU with your request.

Collection and Use of Information
When you place your first order for the CEU Service, we ask you for your full name, physical address, telephone number and credit card number so we can process your order. We use your telephone number only if there is an order-related issue, not for marketing purposes. You must certify that you are at least 18 years old. (People under 18 cannot use CEU's services.) Our server stores this information so that placing future orders will be quicker and easier. If you want to update your address, go to the “Maintenance” section of your account and make the appropriate changes. You must be signed in to access the “Maintenance” section of your account.

Viewing and Updating Your Information on CEU
You can always access the personal information you have provided to CEU by going to the “Maintenance” section of your account. You can make changes to this information to update your account anytime.

Cookies
As you browse the CEU site, cookies are placed on your computer's hard drive. (Cookies are small pieces of data that are sent to your browser from a web server and stored on your hard drive.) Cookies allow us to track the items you select, and help us match your address and credit card information with your order so you don't need to retype the information each time you visit our site. If your browser is set to not accept cookies, it is unlikely, but possible that some features of our site will not function properly. We also use cookies to gather usage information, such as the number and frequency of visitors to our site and its various pages. Third parties with whom we partner in order to provide our services to you may also serve some of these cookies. We analyze this data to determine which parts of our site customers like and which parts need improvement. Automatically logged information is also used to analyze trends and to administer the site.

Disclosure
At no time when doing so, however, will we, except as described in this section, we will not sell, rent or disclose your personally identifying information to third parties without notifying you of our intent to share the information and giving you an opportunity to prevent your information from being shared. We occasionally use other companies, agents or contractors to perform services necessary to our operations. For example, we have partnered with other companies to personalize our web pages, process credit card transactions, analyze customers' interaction with our site and process consumer surveys. In the course of providing such services, these companies may have contact with your personally identifying information. By contractual agreement, these companies must treat your information in accordance with this Policy. We will not be liable for any damages that may result from the misuse of your personal information by these companies. From time to time, we may partner with companies whose products we believe will interest our users. In conjunction with these partners, we occasionally send promotional announcements to particular customers. We do not automatically include our users in any particular marketing promotion; instead, we use a variety of factors, including user activity at the CEU site, to determine the appropriate users. We may use a vendor to carry out these mailings. However, the partner company never sees your email address or any other information that could identify you or be used to contact you directly. Any exceptions to this policy of sharing your name, address or email address with a partner company will be done only with your permission. CEU also reserves the right to disclose information when required by law. We also provide analyses of our users in the aggregate to prospective partners, advertisers and other third parties. We do this so that we and our advertisers can understand you better, and so we can keep bringing you first-rate services. We may also disclose, on an anonymous basis, literal statements made by our customers. At no time, however, will we disclose personal information about specific users. Customers should check back for updates to this policy. CEU will obtain email consent from any user if the company is going to be using the information collected in a manner different from that stated when the user registered.

Security and Access
For transmitting your personal information to us, we use a secure server (SSL), which encrypts all social security and credit card information. This encryption process ensures that the information you give us is protected against unauthorized access. You can access the “Maintenance” section for your account to update and correct your name, email address, password, and postal address. Please note that you must be signed in to CEU to access this information. We have implemented technology and security features, as well as strict internal guidelines, to safeguard the privacy of your personal information from unauthorized access or improper use. We will continue to enhance our security procedures as new technology becomes available. While we make every effort to ensure that your information is secure on our system, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, we cannot guarantee the security of any information you transmit to us, and you do so at your own risk.

Use Of Compliance Assistant
CEU.com, a business unit of The Institutes, has prepared the information used in its compliance assistant for the convenience of insurance licensees. While reasonable care is taken in creating and updating this information, neither CEU.com nor The Institutes warrant this information to be accurate or current. This information does not constitute legal advice and is subject to change without notice. CEU and The Institutes strongly suggest that licensees confirm any questions involving CE or license requirements with their state insurance department, as is their ultimate responsibility as a licensed professional.

Contact
If you have questions concerning your account, please contact Customer Service at (800) 295-9010. If you have questions concerning this privacy policy, please contact info@ceu.com.