These Terms of Use ("Terms") govern your access to and use of insuranceproexam.com (the "Service"), operated by Insurance Pro Exam LLC ("we," "us," or "our"). By creating an account or using the Service, you agree to these Terms.

1. Not an Official Exam or Licensing Body

Insurance Pro Exam is an independent study aid. We are not affiliated with, endorsed by, or connected to any state department of insurance, testing vendor (such as PSI or Prometric), or licensing authority. Our practice questions are original content written to reflect general topics covered by Property & Casualty and Life, Health & Annuities licensing exams — they are not drawn from, and do not guarantee familiarity with, any actual exam's questions. Completing quizzes on this Service does not guarantee that you will pass any real licensing exam, and does not fulfill any state's pre-licensing education requirement unless separately stated.

2. Accounts

You must provide accurate information when creating an account and are responsible for maintaining the confidentiality of your password and for all activity under your account. Notify us promptly at [CONTACT EMAIL] if you suspect unauthorized use of your account.

3. Acceptable Use

You agree not to:

• Scrape, copy, or redistribute the Service's content for commercial purposes
• Attempt to gain unauthorized access to other users' accounts or data
• Interfere with or disrupt the Service's operation
• Use the Service for any unlawful purpose

4. Intellectual Property

All content on the Service, including questions, flashcards, explanations, text, and design, is owned by Insurance Pro Exam LLC or its licensors and is protected by copyright and other laws. You may use it for personal, non-commercial study purposes only.

5. Disclaimer of Warranties

The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. Insurance and regulatory concepts referenced on the Service may not reflect the most current law in your state; always verify against your state's official exam content outline and current regulations.

6. Limitation of Liability

To the fullest extent permitted by law, Insurance Pro Exam LLC will not be liable for any indirect, incidental, or consequential damages arising from your use of the Service, including any exam result. Our total liability for any claim relating to the Service will not exceed the amount you paid us, if any, in the twelve months preceding the claim.

7. Termination

We may suspend or terminate your account if you violate these Terms. You may stop using the Service and request account deletion at any time by contacting [CONTACT EMAIL].

8. Governing Law

These Terms are governed by the laws of the State of [YOUR STATE], without regard to conflict-of-law principles.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes take effect means you accept the updated Terms.

10. Contact Us

Insurance Pro Exam LLC
[BUSINESS ADDRESS]
[CONTACT EMAIL]