OVERVIEW
This website is operated by The Insight Collective. Throughout the site, the terms “we,” “us,” and “our” refer to The Insight Collective. The Insight Collective offers this website, including all information, tools, and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here.

By visiting our site and/or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service,” “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools that are added to the current site shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change, or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

SECTION 1 - ONLINE STORE TERMS
By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and have given us your consent to allow any of your minor dependents to use this site. You may not use our products for any illegal or unauthorized purpose, nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws). A breach or violation of any of the Terms will result in an immediate termination of your Services.

SECTION 2 - GENERAL CONDITIONS
We reserve the right to refuse service to anyone for any reason at any time. You understand that your content (not including credit card information) may be transferred unencrypted and involve transmissions over various networks and changes to conform to technical requirements. Credit card information is always encrypted during transfer over networks. You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service, use of the Service, or access to the Service without express written permission from us.

SECTION 3 - ACCURACY, COMPLETENESS, AND TIMELINESS OF INFORMATION
We are not responsible if information on this site is not accurate, complete, or current. The material on this site is for general information only and should not be relied upon as the sole basis for making decisions. Any reliance on the material on this site is at your own risk.

SECTION 4 - MODIFICATIONS TO THE SERVICE AND PRICES
Prices for our products are subject to change without notice. We reserve the right to modify or discontinue the Service (or any part or content thereof) without notice. We shall not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Service.

SECTION 5 - PRODUCTS OR SERVICES
Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Refund Policy. We reserve the right to limit sales of our products or services to any person, geographic region, or jurisdiction on a case-by-case basis. All descriptions of products or product pricing are subject to change at any time without notice.

SECTION 6 - ACCURACY OF BILLING AND ACCOUNT INFORMATION
We reserve the right to refuse any order you place with us. We may limit or cancel quantities purchased per person, per household, or per order. In the event of changes to an order, we may notify you by email or billing address/phone number provided at the time the order was made.

SECTION 7 - OPTIONAL TOOLS
We may provide you with access to third-party tools which we neither monitor nor control. You acknowledge and agree that we provide access to such tools “as is” without warranties, representations, or conditions of any kind. Any use of optional tools offered through the site is at your own risk and discretion.

SECTION 8 - THIRD-PARTY LINKS
Certain content, products, and services available via our Service may include materials from third parties. We are not responsible for examining or evaluating the content or accuracy and do not warrant and will not have liability for any third-party materials or websites.

SECTION 9 - USER COMMENTS, FEEDBACK, AND OTHER SUBMISSIONS
If you send specific submissions (e.g., creative ideas, suggestions, proposals), you agree that we may edit, copy, publish, distribute, translate, and use them in any medium without restriction. We are under no obligation to maintain any submissions in confidence, to pay compensation, or to respond to comments.

SECTION 10 - PERSONAL INFORMATION
Your submission of personal information is governed by our Privacy Policy, which can be viewed on our website.

SECTION 11 - ERRORS, INACCURACIES, AND OMISSIONS
Occasionally there may be information on our site that contains typographical errors, inaccuracies, or omissions that may relate to product descriptions, pricing, promotions, or availability. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information or cancel orders if any information in the Service is inaccurate at any time.

SECTION 12 - PROHIBITED USES
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to violate any regulations; (c) to infringe upon our intellectual property rights; or (d) to harass, abuse, insult, harm, or discriminate.

SECTION 13 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
We do not guarantee that your use of our Service will be uninterrupted, timely, secure, or error-free. You agree that your use of the Service is at your sole risk. The Service and all products and Services delivered to you are provided “as is” and “as available” without warranties or conditions of any kind.

SECTION 14 - INDEMNIFICATION
You agree to indemnify and hold harmless The Insight Collective from any claim or demand due to your breach of these Terms or violation of any law or the rights of a third party.

SECTION 15 - SEVERABILITY
If any provision of these Terms is determined to be unlawful or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by law, and the unenforceable portion shall be deemed severed from these Terms.

SECTION 16 - TERMINATION
These Terms of Service are effective unless and until terminated by either you or us. If you fail to comply with any term or provision, we may terminate this agreement without notice.

SECTION 17 - ENTIRE AGREEMENT
These Terms of Service, along with any policies posted by us on this site, constitute the entire agreement and understanding between you and us.

SECTION 18 - INTELLECTUAL PROPERTY RIGHTS
All content on this site, including but not limited to logos, graphics, text, images, and videos, is the property of The Insight Collective. Unauthorized use, reproduction, or distribution is prohibited.

SECTION 19 - USER-GENERATED CONTENT AND CONDUCT
Users agree to post content that is respectful, non-defamatory, and free of unlawful or harmful materials. We reserve the right to remove or moderate content at our discretion.

SECTION 20 - LIMITATION ON LIABILITY FOR DIGITAL PRODUCTS
The Insight Collective shall not be liable for any direct or indirect damages resulting from the use of digital products, including but not limited to any compatibility issues or unintended outcomes.

SECTION 21 - COOKIES AND DATA TRACKING (GDPR COMPLIANCE)
We use cookies and similar technologies to enhance your experience on our site. For details on data collection and usage, please see our Privacy Policy.

SECTION 22 - GOVERNING LANGUAGE
These Terms of Service are written in English. In the case of discrepancies between translations, the English version will prevail.

SECTION 23 - GOVERNING LAW
These Terms of Service shall be governed by and construed in accordance with the laws of The United States of America.

SECTION 24 - CHANGES TO TERMS OF SERVICE
We reserve the right to update or change any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes.

SECTION 25 - CONTACT INFORMATION
Questions about the Terms of Service should be sent to us at info@insight-collective.com.