Effective Date: 06/20/2025
Welcome to Charles P. Taylor. These Terms of Service ("Terms") govern your use of our website located at www.charlesptaylor.com ("Site") and any associated services provided by Charles P. Taylor ("we," "our," or "us"). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree with these Terms, do not use the Site.
1. Eligibility and Acceptance You must be at least 18 years old and reside in the United States to use this Site. By using the Site, you represent and warrant that you meet these requirements.
2. Description of Services Charles P. Taylor operates as a licensed insurance broker. We do not underwrite insurance policies. All insurance products are provided by third-party insurance carriers. Eligibility and coverage are determined by the respective insurers.
Nothing on this Site constitutes legal, financial, or tax advice. Please consult appropriate professionals for such services.
3. Digital Products License All downloadable resources and digital content made available on this Site are the exclusive property of Charles P. Taylor. You are granted a limited, non-transferable, non-sublicensable license to access and use the content for personal, non-commercial use only. Redistribution, resale, modification, or public display of any content is strictly prohibited without prior written consent.
4. SMS Communications By providing your phone number, you consent to receive text messages from us. These may include:
Transactional messages (e.g., appointment confirmations)
Marketing and promotional messages (with separate consent)
Message and data rates may apply. You can opt out at any time by replying STOP. For help, reply HELP. Providing your phone number is optional and not required for use of our services.
5. User Conduct You agree not to:
Use the Site for any unlawful purpose
Attempt to gain unauthorized access to any portion of the Site
Interfere with the operation of the Site or servers
6. Termination We reserve the right to suspend or terminate your access to the Site for violation of these Terms or for any other reason at our sole discretion.
7. Intellectual Property All content, logos, and designs on this Site are owned by or licensed to Charles P. Taylor and are protected by intellectual property laws. You may not use any content without our prior written permission.
8. Limitation of Liability To the fullest extent permitted by law, we disclaim all warranties and shall not be liable for any damages arising out of your use or inability to use the Site.
9. Governing Law These Terms are governed by the laws of the Commonwealth of Virginia without regard to its conflict of laws principles.
10. Dispute Resolution & Arbitration Any dispute arising out of or relating to these Terms shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will take place in Richmond, Virginia. You waive any right to participate in class actions.
11. Privacy Policy Please refer to our Privacy Policy for information on how we collect, use, and disclose your personal information.
12. Sales, Refunds & Satisfaction Guarantee Book – Lies, Loopholes, and Life Insurance We offer a 100% Satisfaction Guarantee on purchases of Lies, Loopholes, and Life Insurance. To qualify for a full refund, you must:
Submit a video of at least two (2) minutes to [email protected] within 30 days of delivery, explaining either what you found helpful or what was lacking in the book.
The video must be submitted from the same email used during purchase.
Refunds will be processed within 90 days of receiving the qualifying video, minus transaction and shipping fees.
Digital Products & Courses All sales of digital products, including online courses, downloads, and templates, are final. No refunds or exchanges will be provided once access has been granted.
13. Payment, Taxes & Fees We accept various forms of payment. Sales tax or other applicable taxes may be added as required. Transaction and shipping fees related to refunds are non-refundable.
14. Product Descriptions & Disclaimers We aim to ensure all product descriptions are accurate. However, we do not warrant that all descriptions are complete or error-free. Outcomes from use of our products, particularly educational content, will vary based on individual engagement.
15. Electronic Delivery Digital products are delivered electronically upon purchase and are considered fully delivered once access is provided.
16. Changes to Terms We reserve the right to update these Terms at any time. Changes will be posted on this page with a revised effective date. Continued use of the Site after changes constitutes your acceptance of the new Terms.
If you have questions about these Terms, please contact us at: [email protected]