Terms of Service
Please read these terms carefully before using our services or purchasing our products.
NO REFUNDS POLICY
ALL SALES ARE FINAL. NO REFUNDS WILL BE PROVIDED FOR ANY DIGITAL PRODUCTS.
By completing your purchase, you acknowledge and agree that no refunds, exchanges, or returns are available for any digital products purchased from Hop Knows Insurance.
No Refunds
All digital product sales are final - no exceptions
Secure Access
Immediate download access after successful payment
Read Carefully
These terms are legally binding upon purchase
Complete Terms of Service
REFUND POLICY - NO REFUNDS
ALL SALES ARE FINAL. No refunds will be provided for any digital products purchased from Hop Knows Insurance under any circumstances.
Digital Nature: Since our products are digital downloads that are immediately accessible after purchase, we cannot offer refunds.
No Exceptions: There are no exceptions to this policy. Refunds will not be provided for:
- Change of mind
- Duplicate purchases
- Technical difficulties on your end
- Dissatisfaction with content
- Any other reason whatsoever
By completing your purchase, you explicitly acknowledge and agree to this no-refund policy.
Acceptance of Terms
By accessing this website, purchasing any products, or using any services provided by Hop Knows Insurance, you agree to be bound by these Terms of Service and our Privacy Policy.
Digital Product Delivery
Immediate Access: Digital products are delivered immediately upon successful payment completion.
Download Responsibility: It is your responsibility to download and save your purchased materials immediately.
Technical Issues: While we strive to provide seamless delivery, technical issues on your end do not constitute grounds for refunds.
Payment Terms
Payment Processing: All payments are processed securely through Stripe.
Pricing: All prices are listed in USD and are subject to change without notice.
Failed Payments: Access to digital products is contingent upon successful payment completion.
Intellectual Property
Copyright: All content, materials, and digital products are owned by Hop Knows Insurance and protected by copyright law.
Personal Use Only: Digital products are licensed for your personal use only and may not be shared, redistributed, or resold.
Prohibited Uses: You may not reproduce, distribute, modify, or create derivative works from our materials.
Educational Content Disclaimer
Educational Purpose: All content is provided for educational purposes only and does not constitute professional insurance advice.
Not Insurance Advice: Content should not be considered as personalized insurance recommendations or professional advice for your specific situation.
Consult Professionals: Always consult with licensed insurance professionals for advice specific to your circumstances.
Limitation of Liability
No Warranties: All products and services are provided "as is" without warranties of any kind.
Limited Liability: Our liability is limited to the amount you paid for the specific product or service.
No Consequential Damages: We are not liable for any indirect, consequential, or punitive damages.
Privacy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.
Changes to Terms
We reserve the right to update these Terms of Service at any time. Changes will be effective immediately upon posting to this website. Your continued use constitutes acceptance of any changes.
Contact Information
If you have questions about these Terms of Service, please contact us at: [email protected]
Last Updated: August 16, 2025
Effective Date: August 16, 2025