Terms of Service | J Monet Consulting L

Last Updated: June 16, 2025

Welcome to J Monet Consulting – Adjusting for Beginners (“we,” “us,” or “our”). Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website, use our services, or communicate with us (collectively, the “Services”).

By using our Services, you agree to the collection and use of your information as outlined in this Privacy Policy. If you do not agree with this policy, please do not use our Services.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect new practices or legal requirements. When we do, we’ll post the updated version on this page and update the “Last Updated” date above.

Information We Collect

Information You Provide Directly

We may collect personal information that you voluntarily provide when interacting with our website or services, including:

Contact details: Your name, email address, phone number, and mailing address.

Account details: Username, password, or other credentials if you create an account.

Payment details: When purchasing training materials, consulting services, or courses (processed securely through third-party payment systems).

Communication: Any messages or information you share with us through email, contact forms, or customer support.

Information We Collect Automatically

When you visit our site, we may automatically collect information about your device and browsing behavior, including:

IP address and general location

Browser type, device information, and operating system

Pages visited, time spent, and interactions with content

This data helps us understand how visitors use our site and allows us to improve your experience.

Information from Third Parties

We may receive information from third-party vendors or service providers who support our operations — such as payment processors, analytics providers, and marketing platforms.

How We Use Your Information

We use the information we collect to:

Provide and personalize our Services

Process orders, payments, and account management

Communicate with you about your account, orders, or learning progress

Send updates, promotions, or educational content (you can unsubscribe at any time)

Improve our website, training programs, and customer experience

Protect against fraud, misuse, or unauthorized access

We will never sell your personal information to third parties.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality and analyze usage. You can adjust your browser settings to block cookies, but doing so may limit certain features of our site.

How We Share Information

We may share your personal information with trusted third parties only when necessary to:

Process payments or deliver digital products

Manage email communications or marketing campaigns

Provide technical support or analytics services

Comply with legal obligations

Each third-party partner agrees to protect your data and use it only for authorized purposes.

Data Security and Retention

We use secure technologies and best practices to protect your information. While no online system is 100% secure, we work diligently to prevent unauthorized access or disclosure.

We retain your information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law.

Your Privacy Rights

Depending on your location, you may have rights to:

Access and request a copy of your personal information

Request correction or deletion of your information

Withdraw consent for marketing communications

Opt out of non-essential data collection

To exercise these rights, please contact us using the information below.

Children’s Privacy

Our website and services are not intended for children under 18. We do not knowingly collect information from minors. If you believe a child has provided personal data to us, please contact us immediately for removal.

International Users

If you are accessing our site from outside the United States, please note that your information may be transferred and processed in the U.S. or other countries with different data protection laws.

If you have any questions about this Privacy Policy or how we handle your data, please contact us:

📧 Email: support@jmonetconsulting.com

📍 Mailing Address: J Monet Consulting

Last Updated: June 16, 2025

Welcome to J Monet Consulting – Adjusting for Beginners (“we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website, online courses, consulting services, and related materials (collectively, the “Services”). By using our Services, you agree to these Terms. Please read them carefully before proceeding.

If you do not agree to these Terms, please discontinue use of our website and Services immediately.

1. Purpose of Our Services

J Monet Consulting provides educational resources, consulting guidance, and industry insights designed to help individuals start and grow their careers as insurance adjusters.

All content provided through our website, courses, and consultations is for informational and educational purposes only. We are not a licensing authority, legal advisor, or employer.

2. No Guarantee of Licensing or Employment

While we offer valuable tools, strategies, and information to support your success as an adjuster, completion of our courses or use of our materials does not guarantee:

A passing score on any state licensing exam

State licensing approval

Employment or contract opportunities

Each state has its own licensing requirements. It is your responsibility to verify and comply with your state’s Department of Insurance (DOI) regulations.

3. Educational and Consulting Disclaimer

The information shared through our training materials, videos, ebooks, consultations, or coaching sessions reflects general industry knowledge and best practices. It should not be considered legal, financial, or insurance advice.

You are encouraged to consult your state’s Department of Insurance or a licensed professional for official guidance regarding licensing, laws, and regulations.

4. Intellectual Property

All materials, including text, videos, logos, graphics, and course content, are the intellectual property of J Monet Consulting and are protected by copyright law.

You may not copy, reproduce, distribute, modify, or sell any part of our materials without written permission. Access to our materials is granted solely for your personal, non-commercial use.

5. Payments and Refunds

Payments for courses, ebooks, and consulting sessions are processed securely through our authorized payment providers.

All sales are final, unless otherwise stated in specific course or product terms. We do not offer refunds for completed or downloadable digital products, except where required by law.

6. User Responsibilities

By using our Services, you agree to:

Provide accurate and up-to-date information when creating an account or making purchases.

Use our materials only for lawful purposes and personal education.

Refrain from sharing your login credentials, duplicating content, or misrepresenting our materials as your own.

We reserve the right to suspend or terminate access if we believe our Services are being misused.

7. Limitation of Liability

To the fullest extent permitted by law, J Monet Consulting is not liable for any direct, indirect, incidental, or consequential damages arising from your use of our Services, website, or materials.

This includes, but is not limited to, loss of income, business interruption, exam outcomes, or employment opportunities. You use our Services at your own discretion and risk.

8. Third-Party Links and Resources

Our site may include links to third-party websites, resources, or partner firms. These are provided for your convenience. We are not responsible for the content, privacy practices, or accuracy of information found on third-party sites.

9. Privacy

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review it carefully.

10. Changes to These Terms

We may update or modify these Terms at any time. Updates will be posted on this page with the revised “Last Updated” date. Continued use of our Services after changes means you accept the revised Terms.

11. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict of law principles. Any disputes will be resolved in the appropriate courts of that state.

12. Contact Us

If you have questions about these Terms, your account, or our policies, please contact us at:

📧 Email: support@jmonetconsulting.com

📍 Mailing Address: J Monet Consulting – Adjusting for Beginners

P.O. Box 8485 Houston, Tx 77288

Refund & Payment Policy

Last Updated: June 16, 2025

At J Monet Consulting – Adjusting for Beginners, our goal is to provide high-quality educational materials, consulting services, and resources that help aspiring and current adjusters succeed. Because much of our content is delivered digitally, it’s important to outline how payments, refunds, and access work.

Please review this policy carefully before making a purchase.

1. Payments

All payments made to J Monet Consulting must be completed through our secure, authorized payment processor. We accept major credit and debit cards, and other forms of payment as listed at checkout.

By submitting your payment information, you authorize us (and our third-party payment provider) to charge the total amount of your purchase, including applicable taxes or fees.

2. Digital Products (Ebooks, Courses, and Online Materials)

All sales of digital products — including ebooks, guides, templates, videos, and online courses — are final.

Because digital materials are accessible immediately after purchase, we are unable to offer refunds, exchanges, or cancellations once an item has been downloaded or accessed.

If you experience technical issues accessing your materials, please contact us within 7 days of purchase at support@jmonetconsulting.com, and we’ll make sure you receive your content.

3. Consulting & Coaching Services

Payment for all consulting or coaching sessions is due at the time of booking.

Rescheduling: You may reschedule your appointment up to 24 hours before your session at no additional charge.

Cancellations: If you cancel less than 24 hours before your scheduled time, your payment may be forfeited.

No-Shows: Missed appointments without notice are non-refundable.

We value your time and ours, and appreciate your understanding.

4. Course Bundles & Special Programs

If you purchase a course bundle, workshop series, or mentorship program, refunds are not available once materials have been accessed or sessions have begun.

However, if a program is canceled or delayed by J Monet Consulting, we will provide a full refund or credit toward a future session.

5. Payment Plans

In some cases, J Monet Consulting may offer payment plans for certain programs. By enrolling in a payment plan, you agree to complete all scheduled payments according to the agreed terms.

Failure to make timely payments may result in suspension or loss of access to course materials or services until your balance is paid in full.

Refund & Payment Policy

Last Updated: June 16, 2025

Please review this policy carefully before making a purchase.

1. Payments

All payments made to J Monet Consulting must be completed through our secure, authorized payment processor. We accept major credit and debit cards, and other forms of payment as listed at checkout.

By submitting your payment information, you authorize us (and our third-party payment provider) to charge the total amount of your purchase, including applicable taxes or fees.

2. Digital Products (Ebooks, Courses, and Online Materials)

All sales of digital products — including ebooks, guides, templates, videos, and online courses — are final.

Because digital materials are accessible immediately after purchase, we are unable to offer refunds, exchanges, or cancellations once an item has been downloaded or accessed.

If you experience technical issues accessing your materials, please contact us within 7 days of purchase at support@jmonetconsulting.com, and we’ll make sure you receive your content.

3. Consulting & Coaching Services

Payment for all consulting or coaching sessions is due at the time of booking.

Rescheduling: You may reschedule your appointment up to 24 hours before your session at no additional charge.

Cancellations: If you cancel less than 24 hours before your scheduled time, your payment may be forfeited.

No-Shows: Missed appointments without notice are non-refundable.

We value your time and ours, and appreciate your understanding.

4. Course Bundles & Special Programs

If you purchase a course bundle, workshop series, or mentorship program, refunds are not available once materials have been accessed or sessions have begun.

However, if a program is canceled or delayed by J Monet Consulting, we will provide a full refund or credit toward a future session.

5. Payment Plans

In some cases, J Monet Consulting may offer payment plans for certain programs. By enrolling in a payment plan, you agree to complete all scheduled payments according to the agreed terms.

Failure to make timely payments may result in suspension or loss of access to course materials or services until your balance is paid in full.

6. Disputed Charges

If you believe a charge was made in error, please contact us immediately at support@jmonetconsulting.com. We’ll review your request within 5–7 business days and work to resolve it quickly.

Please contact us first before filing a dispute with your bank or card provider — in most cases, we can resolve any issue directly and efficiently

7. Refund Exceptions

We may consider refunds on a case-by-case basis only if:

You were charged in error for duplicate purchases.
A service or digital product was not delivered due to a technical fault on our end.

All approved refunds will be processed back to the original payment method within 5–10 business days, depending on your bank or card provider.

8. Policy Changes

J Monet Consulting reserves the right to update or modify this Refund & Payment Policy at any time. Updates will be posted on this page with the revised “Last Updated” date.

9. Contact Us

If you have questions about this policy or need assistance with a purchase, please reach out to us:

📧 Email: support@jmonetconsulting.com

📍 Mailing Address: J Monet Consulting – Adjusting for Beginners

P.O. Box 8485 Houston, Tx 77288

Last Updated: June 16, 2025

Welcome to J Monet Consulting – Adjusting for Beginners (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your enrollment and participation in our online courses, training programs, webinars, and other educational offerings (collectively, the “Courses”).

By purchasing, enrolling in, or accessing any Course, you agree to these Terms. Please read them carefully before continuing.

1. Purpose of Our Courses

Our Courses are designed to help individuals learn the skills, concepts, and processes involved in becoming and succeeding as an insurance adjuster. All materials are for educational and informational purposes only and are not intended to replace official training or licensing requirements set by your state’s Department of Insurance.

2. Enrollment & Access

When you enroll in a Course, you are granted a limited, non-transferable license to access and use the course materials for your personal learning only.

You agree not to:

Share, sell, or distribute course content to others

Record, copy, or reproduce any part of the training without permission

Provide your login credentials to another person

Violations may result in suspension or termination of your access without refund.

3. Course Materials and Updates

We may update course content periodically to reflect new regulations, industry practices, or educational improvements. Once enrolled, you will have access to the latest version of the course materials for the duration specified at purchase.

J Monet Consulting reserves the right to modify or discontinue any course offering at any time.

4. Course Completion & Certification

Completing a course or training module from J Monet Consulting does not guarantee:

A passing score on a licensing exam
State certification or approval
Employment or job placement

Our programs are designed to prepare and guide you, but official licensing must be obtained through your state’s Department of Insurance or other regulatory body.

5. Payments & Refunds

Payments for Courses are governed by our Refund & Payment Policy. Please review that policy before making a purchase.

All digital course sales are final, and refunds are not available once course materials have been accessed.

6. Code of Conduct

By participating in our Courses or community discussions, you agree to:

Treat instructors and fellow students with respect and professionalism

Refrain from using offensive, discriminatory, or inappropriate language

Not engage in any form of plagiarism or academic dishonesty

We reserve the right to remove participants who violate these terms or disrupt the learning environment.

7. Intellectual Property

All course materials — including videos, text, graphics, slides, and downloads — are the intellectual property of J Monet Consulting. These materials are protected by copyright law and may not be copied, reproduced, or distributed without written permission.

8. Limitation of Liability

J Monet Consulting is not responsible for any loss, damages, or outcomes resulting from your participation in our Courses. You acknowledge that all educational decisions, exam preparation, and professional actions are your responsibility.

You use our Courses and materials at your own risk.

9. Termination of Access

We reserve the right to suspend or terminate your course access if you violate these Terms or misuse the materials provided. No refunds will be issued in such cases.

10. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict of law principles. Any disputes will be handled in the appropriate courts of that state.

11. Contact Us

If you have questions about your course access, payments, or these Terms, please contact us:

📧 Email: support@jmonetconsulting.com

📍 Mailing Address: J Monet Consulting – Adjusting for Beginners

P.O. Box 8485 Houston, Tx 77288

Educational Content Disclaimer

The information provided through J Monet Consulting – Adjusting for Beginners courses, ebooks, coaching, or online resources is intended for educational and informational purposes only.

We make every effort to ensure our materials are accurate and up to date; however, we do not guarantee any specific outcome, passing of exams, or job placement as a result of completing our programs.

Our content is not legal, financial, or professional advice. Always verify requirements and regulations with your State Department of Insurance (DOI) or other licensing authorities before making professional decisions.

By using our materials, you acknowledge and agree that J Monet Consulting is not liable for any actions, results, or decisions made based on the information provided.

Website Disclaimer

Last Updated: June 16, 2025

The information provided on the J Monet Consulting – Adjusting for Beginners website (the “Site”) is for educational and informational purposes only. While we strive to ensure all information is accurate and current, we make no guarantees or warranties of any kind regarding the completeness, reliability, or suitability of the information provided.

The materials, articles, blog posts, videos, and other resources available on this Site are not intended to replace professional advice, legal counsel, or official instructions from your state’s Department of Insurance (DOI).

By using this Site, you acknowledge and agree that:

You are responsible for verifying any information before relying on it.

J Monet Consulting is not liable for any errors, omissions, or outcomes resulting from your use of the information found here.

Links to third-party websites are provided for convenience only. We are not responsible for the content, accuracy, or policies of those sites.

All content on this website — including text, graphics, videos, and downloadable materials — is the intellectual property of J Monet Consulting and may not be copied, shared, or republished without written permission.

Use of this website and any materials provided constitutes your acceptance of this Disclaimer and our Terms of Use.

If you have questions about this Disclaimer, please contact us at:

📧 support@jmonetconsulting.com

Last Updated: June 16, 2025

Welcome to J Monet Consulting – Adjusting for Beginners! These Terms of Use (“Terms”) govern your access to and use of our website and related online services (collectively, the “Site”). By browsing or using this Site, you agree to comply with these Terms.

If you do not agree with any part of these Terms, please discontinue use of the Site immediately.

1. Use of Our Site

You agree to use this Site only for lawful purposes and in a way that does not infringe the rights of others, restrict or inhibit anyone else’s use, or violate applicable laws and regulations.

You may browse, learn, and interact with our content for personal, non-commercial use only. You may not copy, reproduce, modify, or distribute any content without prior written permission from J Monet Consulting.

2. Intellectual Property Rights

All text, graphics, logos, course names, and other materials on this Site are the exclusive property of J Monet Consulting.

Unauthorized use, reproduction, or distribution of our materials is strictly prohibited and may result in legal action.

3. No Professional or Legal Advice

The information provided through this Site — including blog articles, guides, and downloadable resources — is for educational purposes only. It should not be considered legal, financial, or insurance advice.

Always verify state-specific information with your Department of Insurance (DOI) or other official agencies before making professional decisions.

4. User Accounts (If Applicable)

If you create an account on our Site, you are responsible for maintaining the confidentiality of your login information. You agree not to share your password or access with others.

We reserve the right to suspend or terminate any account that violates these Terms or engages in misuse of our services.

5. External Links

Our Site may contain links to external websites or resources. These links are provided as a convenience and do not imply endorsement. We are not responsible for the content, availability, or policies of third-party sites.

6. Limitation of Liability

To the fullest extent permitted by law, J Monet Consulting – Adjusting for Beginners is not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Site, content, or linked resources.

You agree to use the Site and its materials at your own risk.

7. Changes to the Site or Terms

We may update the Site and these Terms from time to time. Any changes will be posted on this page with the updated “Last Updated” date. Continued use of the Site means you accept any revisions.

8. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict of law principles. Any disputes will be resolved in the appropriate courts of that state.

9. Contact Us

If you have any questions about these Terms or your use of the Site, please contact us:

📧 Email: support@jmonetconsulting.com

📍 Mailing Address: J Monet Consulting – Adjusting for Beginners

P.O. Box 8485 Houston, Tx 77288

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