Terms & Conditions

By accessing, purchasing, or using any part of the Services, you agree to these Terms, our Privacy Policy, and our Refund Policy. If you do not agree, do not access or use the Services.

1. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to purchase or access the Services. By using the Services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

2. What We Provide

ECLIPS Academy provides education, training, frameworks, scripts, templates, digital downloads, and online course content related to commercial insurance production and professional development.

3. Account Access & Security

If you create an account, you agree to:

• • Provide accurate and current information
• • Maintain the confidentiality of your login credentials
• • Not share your account credentials with others
• • Notify us immediately of any unauthorized use of your account

You are responsible for all activity that occurs under your account.

4. Purchases, Pricing & Payments

• ✓ All prices are listed in U.S. Dollars (USD) unless otherwise stated
• ✓ Purchases are processed through our platform and/or third-party payment processors
• ✓ By completing a purchase, you authorize us (and our processors) to charge your selected payment method
• ✓ Prices are subject to change, but changes will not affect purchases already completed

4A. Payment Plans & Installment Terms

When you select a payment plan option (e.g., 3 monthly installments):

5. Refund Policy

Digital products are generally non-refundable. However, we offer a 30-Day Implementation Guarantee for individual producer purchases (not agency licenses).

See our complete Refund Policy: eclipsacademy.com/refund-policy

All sales are final except as expressly stated in our Refund Policy.

6. Digital Delivery

All products are delivered digitally through our online platform. Delivery is considered complete once:

• → Access credentials are provided via email
• → You are able to log in to your account
• → Course materials are accessible in your dashboard

7. License & Permitted Use

Upon purchase, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the purchased materials for:

• ✓ Your personal professional use as an individual producer, OR
• ✓ Internal agency use only if you purchased the appropriate number of seat licenses

YOU MAY NOT:

• ✗ Share login credentials with others
• ✗ Share, resell, sublicense, redistribute, or reproduce any materials
• ✗ Upload content to shared drives, public sites, or internal libraries without proper multi-seat licensing
• ✗ Use the materials to create competing or derivative training products
• ✗ Remove copyright notices or branding from materials
• ✗ Publicly post, stream, or broadcast video content

8. Seat Licensing (Individuals & Agencies)

Unless explicitly stated otherwise at checkout:

• • Individual purchases include one (1) seat / one (1) user login
• • Agency or team access requires one seat license per user
• • Seat sharing is strictly prohibited

9. Intellectual Property

All content—including videos, PDFs, scripts, templates, frameworks, branding, trademarks, and training modules—is owned by ECLIPS Academy and/or its licensors and is protected by intellectual property laws.

No ownership rights are transferred to you. You receive only a limited license to use the materials as permitted in Section 7.

10. Prohibited Conduct

You agree not to:

• ⚠ Copy, scrape, hack, reverse engineer, or bypass platform restrictions
• ⚠ Use the Services for unlawful purposes
• ⚠ Infringe intellectual property rights
• ⚠ Transmit harmful code, malware, or viruses
• ⚠ Harass, threaten, or abuse other users or our team

11. No Professional Advice / No Guarantees

ECLIPS Academy provides education and training only. We do not provide legal, tax, compliance, underwriting, carrier, or financial advice.

Our content does not replace:

• → Independent professional judgment
• → Carrier guidelines and underwriting authority
• → Legal or compliance review by qualified professionals

WE MAKE NO GUARANTEES

ECLIPS Academy makes NO guarantees regarding outcomes, including but not limited to:

• • Sales or revenue results
• • Book of Record (BOR) conversions or growth
• • Client acquisition numbers or meeting conversions
• • Career advancement or promotions
• • Any specific financial or production performance

11A. Earnings & Results Disclaimer

12-20. Additional Terms

12. Testimonials & Examples

Any testimonials, case studies, or examples are illustrative only and do not guarantee similar results. Testimonials reflect specific individual experiences and may not be representative of typical user experiences.

13. Third-Party Tools & Links

We may reference or link to third-party tools or platforms. We are not responsible for third-party content, availability, accuracy, or policies. Your use of third-party services is at your own risk.

14. Termination & Suspension

We may suspend or terminate your access if you violate these Terms, engage in fraud, share accounts, or fail to pay outstanding balances. Upon termination, your license immediately ceases.

15. Disclaimer of Warranties

The Services are provided "AS IS" and "AS AVAILABLE," without warranties of any kind. We do not warrant that the Services will meet your specific requirements.

16. Limitation of Liability

To the fullest extent permitted by law, ECLIPS Academy will not be liable for indirect, incidental, consequential, or punitive damages. Our total liability will not exceed the amount you paid for the specific product.

17. Indemnification

You agree to indemnify ECLIPS Academy from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

18. Governing Law & Venue

These Terms are governed by the laws of the State of Florida. Any dispute shall be brought exclusively in state or federal courts located in Florida.

19. Force Majeure

We are not liable for delays due to events beyond our control (acts of God, internet outages, governmental actions, etc.).

20. Changes to These Terms

We may update these Terms from time to time. Continued use after changes constitutes acceptance of the revised Terms.

Last Updated: March 7, 2026 | ECLIPS Academy reserves the right to update this policy at any time.