These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Wisdom Insurance Network ("Business," "we," "us," or "our") regarding your use of our insurance and healthcare-related services ("Services"). Please read these Terms carefully before using our Services.
Acceptance of Terms
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not use our Services.
Description of Services
We provide insurance solutions, advisory services, and support to help clients navigate healthcare coverage options. Our Services may include one-on-one consultations, policy recommendations, enrollment assistance, webinars, and online resources.
Client Responsibilities
Honesty and Cooperation:
You agree to provide accurate and up-to-date information regarding your insurance needs, health coverage, and related details. Active participation and open communication are required for us to best assist you.
Confidentiality:
All personal and medical information shared with us will remain confidential. You agree not to disclose proprietary information about other clients or any sensitive business materials without prior written consent.
Personal Responsibility:
Our Services are for informational and advisory purposes only. While we strive to provide accurate guidance, you are ultimately responsible for your decisions regarding insurance selection, coverage, and policy management. We do not guarantee specific outcomes.
Payment and Refunds
Fees:
Fees for our Services will be outlined separately in your agreement. Unless otherwise specified, all fees are non-refundable.
Payment Terms:
Payment is due in advance or as agreed upon. Non-payment may result in the suspension or termination of Services.
Refunds:
In exceptional circumstances, refunds or credits may be granted at our sole discretion on a case-by-case basis.
Intellectual Property
Ownership:
All intellectual property related to our Services, including proprietary resources, training materials, and consultation frameworks, belong to us. You may not reproduce or distribute these materials without our prior written consent.
Client Materials:
You retain ownership of any personal information or content you provide. By using our Services, you grant us a non-exclusive, worldwide license to use such materials as necessary to deliver Services.
No Resale or Redistribution:
You are strictly prohibited from reselling, repackaging, or redistributing any of our insurance-related advisory services, templates, or proprietary content, including but not limited to:
Insurance policy templates & resources
Consulting materials, documents, and online courses
Confidential training materials related to Wisdom Insurance Network
Any attempt to resell or redistribute our intellectual property without permission is a material breach of this agreement and may result in immediate termination of your access to our Services.
Limitation of Liability
To the extent permitted by law, we are not liable for any damages arising from the use of our Services. You agree to indemnify and hold us harmless from any claims, losses, or liabilities related to your use of our Services.
Termination
Either party may terminate this agreement by providing written notice. Any fees incurred before termination remain your responsibility.
Governing Law and Jurisdiction
These Terms are governed by the laws of Knoxville, Tennessee. Any disputes shall be resolved in the courts of Knoxville.
Privacy Policy
Your personal information will not be shared with third parties for marketing purposes. However, we may share information with subcontractors as necessary to support our Services, such as customer service operations. For full details, please review our Privacy Policy: https://www.wisdominsurancenetwork.com/privacy-policy.
SMS Terms
We may use SMS messages for scheduling, policy updates, and service-related notifications.
To stop receiving messages, text "STOP" to the shortcode.
To resume, re-enroll as initially instructed.
For assistance, reply with "HELP" or contact us at 865-503-4517.
Message and data rates may apply. Frequency varies by user. Contact your wireless provider for details about your text or data plan.
For any questions, please refer to our Privacy Policy or contact us at rritter@wisdominsurancenetwork.com.
