Last Modified: Dec 4, 2023: Agreement between User and Coaching Actuaries

These terms of use are entered into by and between You and Coaching Actuaries. The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, “Terms of Use”), govern your access to and use of the Coaching Actuaries Web Site, including any content, additional web pages, functionality, and services offered on or through https://www.coachingactuaries.com/, whether as a guest or a user.

The Coaching Actuaries Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Coaching Actuaries Web Site constitutes your agreement to be bound and abide by all such terms, conditions, and notices contained in these Terms of Use.

Coaching Actuaries reserves the right to change the terms, conditions, and notices under which the Coaching Actuaries Web Site is offered, including but not limited to the charges associated with the use of the Coaching Actuaries Web Site. The content of these Terms of Use and/or the Coaching Actuaries Web Site is not necessarily complete or up-to-date. Any of the material on the Coaching Actuaries Web Site may be out of date at any given time, and Coaching Actuaries is under no obligation to update such material.Coaching Actuaries will not be liable if for any reason all or any part of the Coaching Actuaries Web Site is unavailable at any time or for any period.

You may link to the Coaching Actuaries homepage, provided you do so in a way that is fair and legal and does not damage Coaching Actuaries’s reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on Coaching Actuaries’s part without Coaching Actuaries’s express written consent. TheCoaching Actuaries Web Site may provide certain social media features that enable you to: link from your own or certain third-party websites to certain content on the Coaching Actuaries Web Site; send emails or other communications with certain content, or links to certain content, on the Coaching Actuaries Web Site; and cause limited portions of content on the Coaching Actuaries Web Site to be displayed or appear to be displayed on your own or certain third-party websites. You may use these features solely as they are provided by Coaching Actuaries and solely with respect to the content they are displayed with. Subject to the foregoing, you must not: establish a link from any website that is not owned by you; cause theCoaching Actuaries Web Site or portions of it to be displayed on, or appear to be displayed by, any other site, for example, framing, deep linking, or in-line linking; link to any part of the Coaching Actuaries Web Site other than the homepage; or otherwise take any action with respect to the materials on the Coaching Actuaries Web Site that are inconsistent with any other provision of these Terms of Use. You agree to cooperate with Coaching Actuaries in causing any unauthorized framing or linking immediately to stop.Coaching Actuaries reserves the right to withdraw linking permission without notice. Coaching Actuaries may disable all or any social media features and any links at any time without notice in its sole discretion.

The Coaching Actuaries Web Site may contain links to other web sites ("Linked Sites"). The Linked Sites are not under the control of Coaching Actuaries and Coaching Actuaries is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Coaching Actuaries is not responsible for webcasting or any other form of transmission received from any Linked Site. Coaching Actuaries is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Coaching Actuaries of the site or any association with its operators.

As a condition of your use of the Coaching Actuaries Web Site, you warrant to Coaching Actuaries that you will not use the Coaching Actuaries Web Site for any purpose that is unlawful or prohibited by these Terms of Use and the terms, conditions, and notices contained herein. You are responsible for making all arrangements necessary for you to have access to the Coaching Actuaries Web Site and ensuring that all persons who access the Coaching Actuaries Web Site through your internet connection are aware of these Terms of Use. You may not use the Coaching Actuaries Web Site in any manner which could damage, disable, overburden, or impair the Coaching Actuaries Web Site or interfere with any other party's use and enjoyment of the Coaching Actuaries Web Site. You may not use any robot, spider, or other automatic device, process, or means to access the Coaching Actuaries Web Site for any purpose, including monitoring or copying any of the material on the Coaching Actuaries Web Site. You may not use any device, software, or routine that interferes with the proper working of the Coaching Actuaries Web Site. You may not introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Coaching Actuaries Web Site.You may not attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Coaching Actuaries Web Site, the server on which the Coaching Actuaries Web Site is stored, or any server, computer, or database connected to the Coaching Actuaries Web Site. You may not attack the Coaching Actuaries Web Site via a denial-of-service attack or a distributed denial-of-service attack. You may not otherwise attempt to interfere with the proper working of the Coaching Actuaries Web Site.

The Coaching Actuaries Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

Publish, post, upload, distribute or disseminate any material likely to deceive any person.

Publish, post, upload, distribute or disseminate any material that promotes any illegal activity, or advocates, promotes, or assists in any unlawful act.

Publish, post, upload, distribute or disseminate any material that impersonates any person, or misrepresents your identity or affiliation with any person or organization.

Publish, post, upload, distribute or disseminate any material that gives the impression to emanate from or be endorsed by Coaching Actuaries or any other person or entity.

Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.

Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.

Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.

Conduct or forward surveys, contests, pyramid schemes or chain letters.

Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.

Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.

Restrict or inhibit any other user from using and enjoying the Communication Services.

Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.

Harvest or otherwise collect information about others, including e-mail addresses, without their consent.

Coaching Actuaries has no obligation to monitor the Communication Services. However, Coaching Actuaries reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Coaching Actuaries reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Coaching Actuaries reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Coaching Actuaries's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Coaching Actuaries does not control or endorse the content, messages or information found in any Communication Service and, therefore, Coaching Actuaries specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Coaching Actuaries spokespersons, and their views do not necessarily reflect those of Coaching Actuaries.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

Coaching Actuaries does not claim ownership of the materials you provide to Coaching Actuaries (including feedback and suggestions) or post, upload, input or submit to any Coaching Actuaries Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Coaching Actuaries, its affiliated companies and necessary sub licensees, successors, and assigns permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, modify, edit, disclose, translate and reformat your Submission; and to publish your name in connection with your Submission. You also grant each other user of the Coaching Actuaries Web Site a worldwide, non-exclusive, royalty-free license to access your Submissions through the Coaching Actuaries Web Site or its associated services, and to use those Submissions, including to copy, distribute, transmit, publicly display, publicly perform, reproduce, modify, edit, disclose, translate and reformat your Submission; and to publish your name in connection with your Submission. For clarity, this license does not grant any rights or permissions for a user to make use of your Submissions independent of the Coaching Actuaries Web Site or its associated services. The licenses granted by you continue after you remove or delete your Submissions from the Coaching Actuaries Web Site or its associated services.

No compensation will be paid with respect to the use of your Submission, as provided herein. Coaching Actuaries is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Coaching Actuaries's sole discretion. By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to grant the licenses herein, provide, post, upload, input or submit the Submissions. Further, you represent and warrant that all of your

Submissions do and will comply with these Terms of Use. You understand and acknowledge that you are responsible for any Submissions you submit or contribute, and you, not Coaching Actuaries, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.

The information, software, products, and services included in or available through the Coaching Actuaries Web Site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. Coaching Actuaries and/or its suppliers may make improvements and/or changes in the Coaching Actuaries Web Site at any time. Advice received via the Coaching Actuaries Web Site should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation. The owner of the Coaching Actuaries Web Site is based in the United States. If you access the Coaching Actuaries Web Site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Your use of the Coaching Actuaries Web Site, its content, and any services or items obtained through the Coaching Actuaries Web Site is at your own risk. Coaching Actuaries its employees, agents, officers, directors, and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services and related graphics contained on the Coaching Actuaries Web Site for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services and related graphics are provided "as is" without warranty or condition of any kind. Coaching Actuaries and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties or conditions of merchant ability, fitness for a particular purpose, title and non-infringement.

To the maximum extent permitted by applicable law, in no event shall Coaching Actuaries, its employees, agents, officers, directors, and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Coaching Actuaries Web Site, with the delay or inability to use the Coaching Actuaries Web Site or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the Coaching Actuaries Web Site, or otherwise arising out of the use of the Coaching Actuaries Web Site, whether based on contract, tort, negligence, strict liability or otherwise, even if Coaching Actuaries or any of its suppliers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of the Coaching Actuaries Web Site, or with any of these Terms of Use, your sole and exclusive remedy is to discontinue using the Coaching Actuaries Web Site.

Service Contact : [email protected]

All Coaching Actuaries users agree to not share access to their Coaching Actuaries account. Furthermore, users are required to keep private (not share) any materials viewed, downloaded, or otherwise acquired from the Coaching Actuaries Web Site or software or partner websites that require a purchase or subscription to access.

All purchases must be made in full to utilize the information, software, products, and services included in or available through the Coaching Actuaries Web Site. All purchases with discounts must follow the terms or conditions for that discount. All use of discounts that do not conform to the terms or conditions of that discount are prohibited uses of the Coaching Actuaries Web Site. A valid e-mail address is required to access any purchased information, software, products, and services on the Coaching Actuaries Web Site.

Any use or sales taxes due by the national, state, or local laws of the user's locale which are not charged by Coaching Actuaries are the responsibility of the user.

Coaching Actuaries reserves the right, in its sole discretion, to terminate your access to the Coaching Actuaries Web Site and the related services or any portion thereof and remove or refuse to post any Submissions, at any time, without notice. Coaching Actuaries reserves the right, in its sole discretion, to take any action with respect to any Submission that it deems necessary or appropriate, including if it believes such Submission violates these Terms of Use, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of other users or the public or could create liability for Coaching Actuaries. Coaching Actuaries reserves the right to disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy. Coaching Actuaries reserves the right to take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Coaching Actuaries Web Site or related services. Without limiting the foregoing, Coaching Actuaries has the right to cooperate fully with any law enforcement authorities or court order requesting or directing it to disclose the identity or other information of anyone using the Coaching Actuaries Web Site or related services. YOU WAIVE AND HOLD HARMLESS COACHING ACTUARIES AND ITS AFFILIATES, LICENSEES, AND SUPPLIERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY COACHING ACTUARIES/ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER COACHING ACTUARIES/SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES. Coaching Actuaries assumes no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. Coaching Actuaries assumes no liability or responsibility to anyone for performance or nonperformance of the activities described in these Terms of Use.

To the maximum extent permitted by law, these Terms of Use are governed by the laws of the State of Iowa, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Polk County, Iowa, U.S.A. in all disputes arising out of or relating to the use of the Coaching Actuaries Web Site. Use of the Coaching Actuaries Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE COACHING ACTUARIES WEB SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Coaching Actuaries as a result of these Terms of Use or use of the Coaching Actuaries Web Site or related services. Coaching Actuaries's performance of these Terms of Use agreement is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of Coaching Actuaries's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Coaching Actuaries Web Site or information provided to or gathered by Coaching Actuaries with respect to such use. If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use shall continue in effect.No waiver by Coaching Actuaries of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Coaching Actuaries to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision. Unless otherwise specified herein, these Terms of Use and such other terms and conditions incorporated by reference herein constitute the entire agreement between the user and Coaching Actuaries with respect to the Coaching Actuaries Web Site and related services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Coaching Actuaries with respect to the Coaching Actuaries Web Site and related services. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish of the parties that these Terms of Use and all related documents be drawn up in English.

The Coaching Actuaries Web Site, its related services, and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Coaching Actuaries, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You must not modify copies of any materials from the Coaching Actuaries Web Site or related services. If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Coaching Actuaries Web Site or related services in breach of these Terms of Use, your right to use the Coaching Actuaries Web Site and related services will stop immediately and you must, at Coaching Actuaries’s option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Coaching Actuaries Web Site, related services, or any of their content are transferred to you, and all rights not expressly granted are reserved by Coaching Actuaries. Any use of the Coaching Actuaries Web Site, its related services and their content not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.

All contents of the Coaching Actuaries Web Site are: Copyright Salt Solutions, Inc. 2015 and/or its suppliers. All rights reserved. You must not alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Coaching Actuaries Web Site or related services.

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Coaching Actuaries’s name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Coaching Actuaries or its affiliates, suppliers, or licensors. You must not use such marks without the prior written permission of Coaching Actuaries. All other names, logos, product and service names, designs, and slogans on the Coaching Actuaries Web Site and related services are the trademarks of their respective owners. Any rights not expressly granted herein are reserved.

Notifications of claimed copyright infringement under United States copyright law should be sent to Coaching Actuaries’ Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. If you believe that any Submissions violate your copyright, please see our Notice and Procedure for Making Claims of Copyright Infringement, for instructions on sending us a notice of copyright infringement.

You agree to defend, indemnify, and hold harmless Coaching Actuaries, its affiliates, licensors, suppliers, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Coaching Actuaries Web Site and related services, including, but not limited to, your Submissions, any use of the Coaching Actuaries Web Site content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Coaching Actuaries Web Site.