These Terms of Use govern your access to and use of the Smarts Publishing website and the content we provide. By using this site, you agree to these terms.
Smarts Publishing provides educational and informational content related to insurance, CPCU study materials, and professional development. You may use this website for personal or internal business purposes only, in accordance with these Terms.
You agree not to:
All books, articles, text, graphics, and other materials on this website are protected by copyright and other intellectual property laws. Unless otherwise stated, Smarts Publishing owns the rights to this content.
You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission, except for limited quotation under applicable law.
If you wish to quote, excerpt, or license Smarts Publishing materials for training, classroom, or corporate use, please refer to our Permissions & Licensing page for details.
Smarts Publishing strives to provide accurate, Plain-English information. However, insurance laws, regulations, and industry practices may change over time. The content on this site is provided for educational purposes and should not be treated as legal, tax, or professional advice.
You are responsible for verifying information and consulting appropriate professionals where needed.
This website may include links to third-party sites. These links are provided for convenience only. Smarts Publishing is not responsible for the content, privacy practices, or policies of any third-party websites.
To the fullest extent permitted by law, Smarts Publishing is not liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of this website or reliance on its content.
This includes, without limitation, loss of data, business interruption, or loss of profits.
You agree to indemnify and hold harmless Smarts Publishing from and against any claims, losses, liabilities, damages, costs, or expenses arising out of your misuse of this website or violation of these Terms.
Smarts Publishing may update these Terms of Use from time to time. Any changes will be posted on this page with an updated revision date. Your continued use of the site after changes are posted constitutes acceptance of the revised Terms.
These Terms of Use are governed by the laws of the State of Oregon, without regard to its conflict of law principles.
If you have questions about these Terms of Use, please contact us:
Email: info@smartspublishing.com
Phone: 541‑482‑5189
Mailing Address:
Smarts Publishing
3750 Gunn Hwy Ste 306 F17261
Tampa, FL 33618