TERMS OF USE & SERVICE

Thank you for visiting the Insurance Fraud Consultants of America, LLC official website at www.insurancefraudconsultants.com.

You arrived at this Terms of Use & Service page from the above listed site, herein referred to as this “website”.

The Terms of Use & Service which follow are subject to change by Insurance Fraud Consultants of America, LLC, herein referred to as “LLC,” at any time, and at the discretion of LLC, without notice, by updating this page.

By accessing, navigating, and/or in any way using the LLC website, products, and/or services you acknowledge, accept, and understand the Terms of Use & Service which follow:

Your use, and/or continued use, of the LLC website after any changes are implemented constitutes your acknowledgement, acceptance, and understanding of said changes. As a result, LLC encourages you to consult this Terms of Use & Service page each time you access, navigate, and/or use the LLC website in order to remain aware of any potential changes.

Content Copyright and Ownership

By accessing, navigating, and using the LLC website, products and/or services you acknowledge, accept, and understand that unless otherwise expressed, all of the written content, copy, headlines, reports, programs, systems, tips, methods, techniques, strategies, advice, and/or consultation contained on or within the LLC website, LLC products, and/or LLC services are the exclusive, valuable, and proprietary property owned by the LCC.

You further acknowledge, accept, understand, and agree that any use, copying, duplicating, referencing, plagiarizing, and/or storing of said exclusive, valuable, and proprietary property of the LCC, without expressed written permission from the LLC National Director, shall constitute a violation of the LLC copyright and intellectual properties and subject said violator(s) to civil perils inclusive of monetary damages and reimbursement of all LLC legal costs for initiating and pursing such violations.

Limitations of Use: User Names/Passwords; Products; Services

You acknowledge, accept, and understand that if you create and/or are issued a user name and/or password to access any current or future content on the LLC website, such user name and/or password is for your personal use only. You agree to be responsible for the security of your user name and/or password and to immediately report any suspected or actual compromise of your user name and/or password to the LLC via email, at info@ifcoa.com, with the words, “Access Compromised” on the Subject line. Revocation of user name and/or password access to the LLC is at the sole discretion of the LLC.

You acknowledge that knowingly providing your user name and/or password to the LLC website to unauthorized persons, organizations, businesses, or entities thereby allowing access to any LLC content for which LLC has not permitted such unauthorized persons, organizations, businesses, or entities to review or receive, constitutes a data breech which may also amount to violations of both criminal and civil laws for which you may be held responsible and financially liable.

You acknowledge, accept, and understand that the use of any product created by and offered by LLC and purchased by you from LLC is restricted to your personal use and/or the terms of use specific to the number of persons licensed to use such product(s) for which LLC has been properly compensated. Any use of LLC product(s) by unauthorized persons, organizations, businesses, or entities – to include use beyond properly acquired license counts – shall constitute theft of said product(s) for which violator(s) may be held both criminally and civilly responsible and financially liable.

You acknowledge, accept, and understand that the use of any service created by and offered by LLC and purchased by you from LLC is restricted to your personal use for which LLC has been properly compensated. Any use of LLC service(s) by unauthorized persons, organizations, businesses, or entities shall constitute theft of said service(s) for which violator(s) may be held both criminally and civilly responsible and financially liable.

Membership Cancellation and Membership Refund Policy

You acknowledge and understand that should you participate in any membership program offered by the LLC you can cancel said membership(s) at any time by emailing the LLC at info@ifcoa.com and requesting “Membership Cancellation.”

You also acknowledge and understand that there are no refunds on membership months paid for that have already passed.

Refunds for new or advance month cancellations will be made in full as long as the “Membership Cancellation” email request is dated by member and received by LLC no later than the 10th calendar day of the current month in which the emailed “Membership Cancellation” is received. Should the “Membership Cancellation” request be dated by the member or received by the LLC after the 10th calendar day of the current month in progress, the “Membership Cancellation” shall be effective as of the first advancing month following the receipt by LLC of the request.

Product Refund Policy

You acknowledge, accept, and understand that unless otherwise stated in a particular offer, all products created and offered by LLC come with a 30-calendar-day full money back guarantee. The 30-calendar-day clock begins the date of purchase.

You acknowledge, accept, and understand that any request for product refund received after the 30-calendar-day period has expired will not be honored or processed.

For product refunds to be processed within the stated 30-calendar-day timeframe, the requestor must email LLC at info@ifcoa.com with “Product Refund Request” on the Subject line. LLC will reply with a refund request acknowledgement email and ask you for specific information needed to process the return. The purchased product must then be returned to LLC in an undamaged, resalable condition, and received by LLC no later than the 30th calendar day from the date of the original product purchase. Compliance with all of these requirements will help expedite your refund to generally be processed within 5 business days of receipt of the undamaged, resalable, product being returned. Actual credit back to your form of payment or receipt of a refund check may vary based on your credit card company and/or the chosen postal mail or deliver service used.

Service Refund Policy

You acknowledge, accept, and understand that issued payment to LLC for services already performed are nonrefundable. Any potential remaining balance for services paid, but not yet performed, which are canceled due to finishing project ahead of schedule or cancellation of contract will be refunded to client by LLC within 30 business days of notice.

Your satisfaction with LLC consulting services is our primary goal. If you are unhappy for any reason, LLC will strive to identify and resolve any potential issue(s) to your satisfaction as effectively as possible. This may mean that, depending on the circumstances of the training and/or consultation engagement, LLC may provide additional services at a reduced or a zero-dollar additional charge (at LLC’s sole discretion) until the issue(s) of concern is/are resolved to the client’s satisfaction.

To initiate a potential service refund, email info@ifcoa.com with “Service Refund Request” on the Subject line.

Third Party References / Hyperlinks

The LLC website may link to other sites on the Internet. These other sites may contain information or material that some may find inappropriate or offensive. These other sites are not under the control of LLC. You acknowledge, accept, and understand that LLC is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. Unless expressly identified otherwise, the potential inclusion of such a link on the LLC website does not imply, nor does it constitute, any endorsement by LLC of any other site or any association by LLC with its operators.

Information You Submit to Website or Through Email

You hereby warrant that any information you submit to LLC through this website, or through any LLC email address ending in, @ifcoa.com, is owned by you and that you have the necessary authority to submit such information. You hereby grant LLC a royalty-free, perpetual, worldwide license to display, modify, adapt, create derivative works from, and otherwise use any suggestions, ideas, and information that you provide to LLC.

You further agree that you shall not submit or transmit any content to LLC, through this website or through LLC email that is:

Obscene, vulgar, or pornographic;

Encourages the commission of a crime or violation of a law;

Violates any state or federal law in the U.S. and/or the jurisdiction in which you reside;

Infringes the intellectual rights or properties of any third party;

Is otherwise offensive or inappropriate based upon the type of content and information provided to LLC and/or third parties.

LLC reserves the right to remove and/or otherwise delete any content or submission from you that violates these rules, or which are inappropriate in LLC’s sole discretion, without liability to you or warning to you.

LLC reserves the right to cooperate with law enforcement officials and court officials in the investigation and/or prosecution of any crime and/or lawsuit. You agree to hold LLC harmless from any consequences and/or actions taken by LLC in cooperation with such law enforcement investigation, court action, and/or court order.

For questions or to contact us, you can email us at info@ifcoa.com; phone us at (800) 460-7208; or write to use at:

Insurance Fraud Consultants of America, LLC
2669 Shillington Road, Suite 425
Sinking Spring PA 19608

Professional Advice, Consultation, and/or Training

LLC provides professional advice, consultation, and training regarding various forms of strategies, awareness, advocacy, and otherwise based on over 30 years of combined law enforcement; insurance fraud investigation; insurance fraud management; and certified fraud examination training, certification, and experience to help you maximize your various insurance fraud fighting abilities.

However, you acknowledge, accept, and understand that the decision to actually use any of the professional advice, consultation, and/or training regarding strategies, awareness, advocacy, or otherwise, suggested, recommended, or otherwise presented to you by LLC in either written or verbal form, whether directly or electronically, including via phone or text, or otherwise, rests solely with you, the client.

Therefore, you agree to hold LLC harmless with regard to your decision to use any professional advice and/or consultation and/or training and otherwise regarding strategies, awareness, advocacy, or otherwise, suggested, recommended, or otherwise presented by LLC and you acknowledge, accept, and understand that LLC cannot and does not guarantee your success. You are responsible and accountable for your decisions, actions, and results. By your use of any LLC products and/or services, including professional advice and/or consultation and/or training and otherwise regarding strategies, awareness, and advocacy or otherwise, suggested, recommended, or otherwise presented by LLC, you agree to hold LLC harmless and to not hold LLC liable for any of your decisions, actions, and/or results, at any time, under any circumstances.

Disclaimer of Warranties

ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS WEB SITE (THE “CONTENT”) ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. LLC AND ITS AGENTS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS WEBSITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF LLC WEBSITE IS SOLELY AT YOUR OWN RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.

Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL LLC, AND/OR ITS AGENTS, AFFILIATED COMPANIES, OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AND/OR CONTRACTORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, LLC WEBSITE, PRODUCT(S) AND/OR SERVICE(S). THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IN NO EVENT SHALL THE AMOUNT OF COLLECTIVE LIABILITY OF LCC AND/OR ITS AGENTS, AFFILIATED COMPANIES, OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AND/OR CONTRACTORS EXCEED THE AMOUNT ACTUALLY PAID TO LLC FOR SAID PRODUCT(S) OR SERVICE(S). BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, LLC’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

Indemnification

Upon a request by LLC, you agree to defend, indemnify, and to hold LLC and its affiliate(s) harmless, and their employees, contractors, officers, directors, and members from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of LLC website, product(s) and/or service(s) or from your violation of the Terms of Use & Service stated herein.

Severability and Integration

Unless otherwise specified herein, this agreement constitutes the entire agreement between you and LLC with respect to LLC website, LLC product(s), and LLC service(s) and supersedes all prior or contemporaneous communications between you and LLC with respect to LLC website, LLC product(s), and LLC service(s). If any part of these Terms of Use & Service is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

Jurisdiction

These Terms of Use & Service shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, United States of America. You hereby consent to binding arbitration in the Commonwealth of Pennsylvania, United States of America to resolve any disputes arising out of and/or under these Terms of Use & Service.