By purchasing, accessing, or using any course offered by Travel Advisor Lab (referred to as "we," "us," or "our"), you agree to these Terms & Conditions in full. If you do not agree to any part of these terms, you should not purchase or access our courses.

All courses, materials, scripts, templates, checklists, and downloadable resources are provided for educational and informational purposes only.

Nothing in our courses constitutes legal advice, insurance advice, financial advice, or professional consulting of any kind. We are educators — not attorneys, licensed insurance professionals, or financial advisors.

You are solely responsible for ensuring that any documents, agreements, forms, or policies you create or implement comply with applicable laws in your state, jurisdiction, and host agency requirements. We strongly recommend consulting with a licensed attorney before implementing any legal documents.

We do not guarantee any specific outcome, result, income level, business success, or professional benefit from taking our courses.

Results vary based on individual effort, experience, business type, market conditions, and other factors outside our control. Any examples, testimonials, or success stories shared are for illustrative purposes only and are not guarantees of your personal results.

Your success in applying what you learn is entirely dependent on your own actions, decisions, and circumstances.

All course content — including but not limited to video lessons, scripts, slides, templates, checklists, written materials, and downloadable resources — is the exclusive intellectual property of Travel Advisor Lab.

By purchasing a course, you are granted a limited, non-transferable, personal license to access and use the course materials for your own professional development. You may NOT:

• Resell, redistribute, share, sublicense, or transfer course access or materials to any third party

• Reproduce, copy, or publish course content — in whole or in part — on any platform, website, or social media channel

• Use course materials to create or sell competing courses, trainings, or products

• Share your login credentials or allow others to access your enrolled courses

Unauthorized use or distribution of course materials may result in immediate account termination and may expose you to legal action.

We are committed to protecting your personal information. Please review our Privacy Policy for full details on how we collect, use, and protect your data. In summary:

• We will never sell your personal information to third parties

• We will never rent or trade your contact information to other businesses

• Your data is used solely to deliver course access, process payments, and communicate with you about your enrollment

All course purchases are final unless otherwise stated at the time of purchase. Because our courses provide immediate digital access upon enrollment, we do not offer refunds once course materials have been accessed.

If you experience a technical issue that prevents access, please contact us and we will work to resolve it promptly.

Upon purchase, you will receive lifetime access to the course materials as they exist at the time of enrollment, unless otherwise specified. We reserve the right to update, modify, or retire course content at any time. Updated content will be made available to enrolled students where feasible.

To the fullest extent permitted by law, Travel Advisor Lab shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our courses or your reliance on course content.

Our total liability to you for any claim arising from a course purchase shall not exceed the amount you paid for that course.

These Terms & Conditions are governed by the laws of the state in which Travel Advisor Lab operates, without regard to conflict of law provisions.

We reserve the right to update or modify these Terms & Conditions at any time. Updated terms will be posted with a revised effective date. Continued use of our courses following any changes constitutes your acceptance of the updated terms.

If you have questions, concerns, or requests related to these Terms and Condisitons, please contact us at laura@traveladvisorlab.com. We are committed to addressing your concerns promptly and transparently.