CEU Terms of Service for Unlimited Course Access Subscription Purchases

Subscription Pricing and Renewal
The initial price for CEU’s Unlimited Course Access Program is $65, which provides access to all of the approved courses for one year from the registration date. Unlimited Course Access subscriptions will automatically be renewed annually at the price of $65 unless the subscription is canceled or the user opts out of the automatic renewal during the registration process or through the Edit My Profile page. Sixty and thirty days before your renewal date, you will receive email notifications to inform you that your subscription is up for renewal. Steps for canceling the Unlimited Course Access Program are provided in each email. All fees and charges are nonrefundable, and no refunds or credit will be given for partial periods or unused courses. You may cancel your subscription at any time by editing your account online or by calling CEU at (800) 295-9010.

CE Credit Reporting Fees
For students with multiple state and/or designation continuing education (CE) accounts, CEU will report one state free of charge for each course completed under the subscription. If reporting is requested for additional states, a fee of $3 per course will be charged after the exam is completed. Some state or designation CE does not allow CEU to report on your behalf, and we do not assess a charge for such “student-report” states. CEU is not responsible and assumes no liability for credit-reporting problems that occur after credits have been reported to the state or to the individual license holder. CEU will assist in any reasonable manner possible to rectify any credit-reporting discrepancies. All charges for reporting credits to additional state(s) and/or designations are nonrefundable.

Terms of Use

Acceptance of Terms of Use
These Terms of Use govern your use of the CEU website. By using, visiting, or browsing the CEU website, you accept and agree to be bound by these Terms of Use.

Changes to Terms of Use
CEU reserves the right, from time to time, with or without notice to you, to change these Terms of Use at its sole discretion. The most current version of the Terms of Use will supersede all previous versions. Your use of the CEU website after changes are made means that you agree to be bound by such changes.

Any information submitted on the CEU website is subject to our Privacy Statement, the terms of which are incorporated herein. Please review our Privacy Statement, a hyperlink to which is located at the bottom of the pages of the CEU website, to understand our practices..

As a subscriber to CEU, you agree that we are permitted to charge your credit card an annual subscription fee, any applicable sales tax, and any other charges you may incur in connection with your use of CEU. The subscription fee will be billed at the beginning of your subscription and on each annual renewal thereafter unless and until you cancel. We will automatically charge your credit card each year on the calendar day corresponding to the commencement of your membership. All fees and charges are nonrefundable. You must cancel your membership before it renews to avoid billing of subscription fees to your credit card. We may change the fees and charges in effect, or add new fees and charges from time to time, but we will give you advance notice of these changes by email.

Automatic Renewals
Your CEU subscription will automatically renew on an annual basis. For your convenience, we will charge the annual subscription fee to the credit card you provide to us during registration. Your membership will automatically renew for successive annual subscriptions unless or until you cancel your membership or we terminate it. CEU will send two email notifications, sixty and thirty days before your renewal date, to inform you that your subscription is up for renewal and will be automatically renewed for another year. You must cancel your membership before it renews to avoid billing of subscription fees to your credit card.

As noted above, you may cancel your CEU unlimited access subscription at any time. To cancel, click Edit My Profile, then click Manage Unlimited Course Access. Once you cancel your subscription with CEU, we will allow you to access the courses until your subscription expires, which is on the one-year anniversary date from when you originally registered for the program. We do not provide refunds or credits for any partial subscription periods.

Disclaimers of Warranties and Limitations on Liability
The CEU website and its contents are provided as is, and we make no representations or warranties of any kind with respect to the CEU website or its contents. We assume no liability or responsibility for any errors or omissions in the content of the CEU website, any losses or damages arising from the use of the content provided on the CEU website, or any conduct by users of the CEU website. We disclaim all representations and warranties, including, for example, warranties of merchantability, fitness for a particular purpose, and noninfringement. 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, 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 for 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 does not constitute legal advice.

CEU provides information for the convenience of insurance licensees. While reasonable care is taken in creating and updating this information, neither CEU 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(s), which is ultimately their responsibility as licensed professionals.

Intellectual Property

All content on the CEU website, including text, graphics, logos, designs, photographs, button icons, images, audio/video clips, digital downloads, data compilations, and software, is the exclusive property of the American Institute For Chartered Property Casualty Underwriters (The Institutes) or its suppliers and is protected by United States and international copyright laws. It may not be reproduced or used without express written permission from CEU.

CEU, powered by The Institutes; CEU; and all CEU graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of the American Institute For Chartered Property Casualty Underwriters (The Institutes). CEU’s trademarks and trade dress may not be used without prior permission from the American Institute For Chartered Property Casualty Underwriters (The Institutes). 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 the American Institute For Chartered Property Casualty Underwriters (The Institutes) that appear on the CEU website are the property of their respective owners, which may or may not be affiliated with, connected to, or sponsored by CEU. No images of persons or personalities contained on the CEU website are an indication of endorsement of any particular product or service unless otherwise specifically indicated.

Use of Information Submitted
CEU is free to use any comments, information, ideas, concepts, reviews, or techniques contained in any communication you may send to the CEU website without further compensation, acknowledgment, 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 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 Website
By accessing the CEU 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 website. You also agree not to interfere with the servers or networks connected to the CEU website or to violate any of the procedures, policies, or regulations of networks connected to the CEU website, the terms of which are incorporated herein. You also agree not to impersonate any other person while using the CEU website, conduct yourself in a vulgar or an offensive manner while using our service, or use the CEU website for any unlawful purpose.

Limitations on Use
Unless otherwise specified, the content on the CEU website is for our use, and we grant you a limited license to access the CEU 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 website without our express written consent. Any unauthorized use of the CEU 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.

Some of the hyperlinks on the CEU website may lead to other websites that are not controlled by or affiliated with the American Institute For Chartered Property Casualty Underwriters (The Institutes). In addition, other websites may link to the CEU website. CEU has not reviewed these websites and is not responsible for their content or privacy policies.

Privacy Statement

By accessing this website/program, you are aware of and approve of CEU’s and The Institutes’ acquiring licensing information from national and state associations and organizations for the sole purpose of CE compliance. Acquired data will not be sold or provided to any third party. 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 communicate with you about the status of your courses. We also use your email address to send you 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 emails, other announcements, or postal mail, simply unsubscribe through the links provided or contact CEU with your request.

Collection and Use of Information
When you place your first order for the CEU Unlimited Course Access subscription, we ask for your full name, physical address, telephone number, and credit card number so that we can process your order. We use your telephone number to contact you only if there is an order-related issue, not for marketing purposes. Our server stores this information so that placing future orders will be quicker and easier. If you want to update your address, go to Edit My Profile and make the appropriate changes. You must be signed in to access the Edit My Profile screen.

Viewing and Updating Your Information on CEU
You can always access the personal information you have provided to CEU by going to your Edit My Profile screen. You can make changes to this information and update your account at any time.

As you browse the CEU website, 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 that you do not need to retype the information each time you visit our site. If your browser is set not to 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 which 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.

At no time, except as described in this section, will we 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 webpages, 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 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 that we can keep providing you with 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 we intend to use the information collected in a manner different from that stated when the user registered.

Security and Access
Transactions are secured over HTTPS. Communications between server and client are encrypted using industry standard best practices. This encryption process ensures that the information you give us is protected against unauthorized access. Once you are signed into CEU, you can access My Account to update or correct your name, email address, password, and postal address. 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 percent 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 the CE Navigator
CEU has prepared the information used in its CE Navigator for the convenience of insurance licensees. While reasonable care is taken in creating and updating this information, neither CEU 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, which is their ultimate responsibility as licensed professionals.

If you have questions concerning your account, please call CEU at (800) 295-9010.