Terms and Conditions

In plain English: TechEd Shield is an educational website about cyber insurance readiness for small businesses. We are not an insurance agency, broker, or carrier, and nothing on this site is insurance, legal, or financial advice. Decisions about coverage, pricing, and claims are made only by insurance carriers. See Section 6 for details. This summary is for convenience only; the full Terms below govern.

CONTENTS

  1. Use of Services
  2. General Conditions
  3. Accuracy, Completeness and Timeliness of Information
  4. Modifications to the Service
  5. Tools and Services
  6. No Insurance, Legal, or Financial Advice
  7. Optional Tools
  8. Third-Party Links
  9. User Comments, Feedback and Other Submissions
  10. Personal Information
  11. Errors, Inaccuracies and Omissions
  12. Prohibited Uses
  13. Disclaimer of Warranties; Limitation of Liability
  14. Indemnification
  15. Severability
  16. Termination
  17. Entire Agreement
  18. Changes to Terms of Service
  19. Contact Information

Welcome to TechEd Shield (techedshield.com). These Terms and Conditions (“Terms”) govern your access to and use of this website, including all content, tools, and resources we make available (together, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1.Use of Services

By agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence. You may not use the Service for any illegal or unauthorized purpose, nor may you, in using the Service, violate any laws in your jurisdiction. A breach or violation of any of these Terms will result in an immediate termination of your access to the Service.

2.General Conditions

We reserve the right to refuse service to anyone for any reason at any time. 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 our express written permission. Headings in these Terms are included for convenience only and do not limit or otherwise affect these Terms.

3.Accuracy, Completeness and Timeliness of Information

We are not responsible if information made available on this site is not accurate, complete, or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources. Any reliance on the material on this site is at your own risk. This site may contain certain historical information, which necessarily is not current and is provided for your reference only.

4.Modifications to the Service

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice. We shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service.

5.Tools and Services

TechEd Shield provides educational resources to help small businesses understand and prepare for cyber insurance. These currently include:

  • The Free Cyber Insurance Readiness Check and related self-assessment tools, which help you review your business against security controls commonly asked about by cyber insurance carriers (such as multi-factor authentication, backups, employee training, and incident response planning).
  • Our content library, organized into two main areas: Cyber Insurance (readiness guides, underwriting explainers, and coverage and claims education) and Cybersecurity & Privacy (practical security and privacy guidance for small businesses and their people).
  • Downloadable guides, checklists, email updates, and similar educational materials.

Readiness Check results, scores, ratings, and checklists are general, educational indicators based only on the answers you provide. They are not a guarantee, prediction, or representation of whether any insurance carrier will offer you coverage, what premium or terms you may be offered, or whether any claim will be paid. Each carrier sets its own underwriting criteria, which vary and change over time.

These tools and resources are provided “as is,” and your use of them is at your own discretion and risk.

TechEd Shield is a cyber insurance readiness education website. Please read this section carefully.

  • We do not sell insurance. TechEd Shield is not an insurance agency, broker, producer, managing general agent (MGA), or insurance carrier. We do not sell, solicit, quote, bind, negotiate, or place insurance policies.
  • Nothing on this site is advice. All content, tools, and communications from TechEd Shield are provided for general educational and informational purposes only. They are not insurance, legal, financial, tax, or professional cybersecurity advice, and they are not tailored to your specific business or circumstances.
  • Carriers make coverage decisions. Whether you qualify for coverage, what a policy covers or excludes, what you are charged, and whether a claim is paid are determined solely by the insurance carrier under the terms of the applicable policy and application. Always read your policy documents in full.
  • Mentions are not endorsements. References to any insurance carrier, broker, MGA, or other provider are for educational purposes and do not constitute an endorsement or recommendation of that provider or its products.
  • Verify with qualified professionals. Before making decisions about insurance coverage, please consult a licensed insurance professional, and consult an attorney or other qualified adviser on legal, financial, or security matters specific to your business.

Using this site, or communicating with us, does not create an agent, broker, advisory, attorney-client, or other professional relationship between you and TechEd Shield.

7.Optional Tools

We may provide you with access to third-party tools over which we neither monitor nor have any control or input. You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations, or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools. Any use by you of optional tools offered through the site is entirely at your own risk and discretion.

Certain content, products, and services available via our Service may include materials from third parties. Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy of such websites, and we do not warrant and will not have any liability or responsibility for any third-party materials, websites, products, or services.

Third parties may include insurance carriers, brokers, MGAs, quote marketplaces, compliance platforms, and security-tool providers. Some links on this site are referral or affiliate links, which means TechEd Shield may receive compensation if you request a quote, sign up, or make a purchase through them, at no additional cost to you. Any such relationship does not change the educational nature of our content and is not an endorsement (see Section 6). Any application, quote, or policy you obtain through a third party is solely between you and that third party.

Please review the third party’s policies and practices carefully before engaging in any transaction.

9.User Comments, Feedback and Other Submissions

If you send us comments, suggestions, ideas, or other materials, whether online, by email, or otherwise (collectively, “comments”), you agree that we may, at any time and without restriction, edit, copy, publish, distribute, translate, and otherwise use in any medium any comments you send us. We are under no obligation to maintain any comments in confidence, to pay compensation for any comments, or to respond to any comments.

We may, but have no obligation to, monitor, edit, or remove content that we determine in our sole discretion to be unlawful, offensive, threatening, defamatory, obscene, or otherwise objectionable or in violation of any party’s intellectual property or these Terms. You are solely responsible for any comments you make and their accuracy.

10.Personal Information

Your submission of personal information through the site, including through our Readiness Check, quizzes, contact form, or email sign-ups, is governed by our Privacy Policy.

11.Errors, Inaccuracies and Omissions

Occasionally there may be information on our site that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information at any time without prior notice. We undertake no obligation to update, amend, or clarify information on the Service, except as required by law.

12.Prohibited Uses

In addition to other prohibitions set forth in these Terms, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any applicable regulations, rules, or laws; (d) to infringe upon our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, or discriminate; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other malicious code; (h) to collect or track the personal information of others; (i) to spam, phish, scrape, or crawl; or (j) to interfere with or circumvent the security features of the Service. We reserve the right to terminate your use of the Service for violating any of the prohibited uses.

13.Disclaimer of Warranties; Limitation of Liability

We do not guarantee, represent, or warrant that your use of our Service will be uninterrupted, timely, secure, or error-free, or that the results obtained from the use of the Service will be accurate or reliable. The Service and all content, tools, and resources delivered through it are provided “as is” and “as available” without any representation, warranty, or condition of any kind, express or implied.

Without limiting the foregoing, and as described in Section 6, we make no warranty or guarantee regarding any insurance outcome, including whether you will obtain coverage, the terms or price of any policy, or whether any claim will be paid, and we are not responsible for any decision made by an insurance carrier or other third party.

In no case shall TechEd Shield, its owners, directors, employees, affiliates, agents, contractors, or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind arising from your use of the Service or any content, even if advised of their possibility. Where some jurisdictions do not allow the exclusion or limitation of liability, our liability shall be limited to the maximum extent permitted by law.

14.Indemnification

You agree to indemnify, defend, and hold harmless TechEd Shield and its owners, affiliates, partners, officers, directors, agents, contractors, and employees from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms or your violation of any law or the rights of a third party.

15.Severability

In the event that any provision of these Terms is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed severed from these Terms. Such determination shall not affect the validity and enforceability of any other remaining provisions.

16.Termination

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes. These Terms are effective unless and until terminated by either you or us. You may terminate these Terms at any time by ceasing to use our site. If, in our sole judgment, you fail to comply with any term or provision of these Terms, we may terminate this agreement at any time without notice and may deny you access to the Service.

17.Entire Agreement

Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. These Terms and any policies or operating rules posted by us on this site constitute the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written.

18.Changes to Terms of Service

You can review the most current version of these Terms at any time on this page. We reserve the right, at our sole discretion, to update, change, or replace any part of these Terms by posting updates to our website, and we will update the “Last updated” date above when we do. 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.

19.Contact Information

For questions about these Terms, you can contact us at info@techedpublishers.com or visit Contact page. Please include “Terms” in the subject line.

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