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Terms and Conditions


This website is operated by Wisdom & Insights 101. Throughout the site, these terms refer to Wisdom & Insights 101. Wisdom & Insights 101 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 and agree
to be bound by the following terms and conditions, including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of this 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 of these terms and conditions, 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 added to the current website 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

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.


By agreeing to these Terms of Service, you represent that you are at least the age of minority in
your state or province of residence, and you have given 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). 
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms will result in an immediate termination of your


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 (a) transmissions over various networks; (b) changes to conform and
adapt to the technical requirements of connecting networks or devices. 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 the Service or any contact on the website through which the Service is
provided without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or
otherwise affect these Terms.


We are not responsible if information made available on this site is inaccurate, complete, or
The material on this site is provided for general information only. It should not be lied upon or
used as the sole basis for making decisions without consulting primary, more accurate, more
complete, or more timely information sources. Any reliance on the material on this site is at your
own risk.

This site may contain certain historical information. We reserve the right to modify this site's
contents at any given time, but we have no obligation to update any information on our site. You
agree that it is your responsibility to monitor changes to our site.

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 at any time. We shall not
be liable to you or any third party for any modification, price change, suspension, or
discontinuance of the Service.

Certain products or services may be available exclusively online through the website. According
to our Return Policy, these products or services may have limited quantities and are subject to
return or exchange only.  

We have made every effort to display the colors and images of our products that appear at the
store as accurately as possible. We cannot guarantee that your computer monitors display of any
color will be accurate. We reserve the right but are not obligated to limit the sales of our products
or services to any person, geographic region, or jurisdiction. We may exercise this right on a
case-by-case basis.  

We reserve the right to limit the quantities of any products or services that we offer. All
descriptions of products or product pricing are subject to change anytime without notice, at the
sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for
any product or Service made on this site is void where prohibited.
We do not warrant that the quality of any products, services, information, or other material
purchased or obtained by you will meet your expectations or that any errors in the Service will
be corrected.  


We reserve the right to refuse any order you place with us. We may limit or cancel quantities
purchased per person, per household, or order at our sole discretion. These restrictions may
include orders placed by or under the same customer account, the same credit card, and/or orders
that use the same billing and/or shipping address. In the event that we make a change to or cancel
an order, we may attempt to notify you by contacting the email and/or billing address/phone
number provided at the time the order was made. We reserve the right to limit or prohibit orders
that, in our sole judgment, appear to be placed by dealers, resellers, or distributors.  

You agree to provide current, complete, and accurate purchase and account information for all
purchases made at our store. You agree to promptly update your account and other information,
including your email address, credit card numbers, and expiration date, so that we can complete
your transactions and be able to contact you as needed.  
For more details, please review our Returns Policy.

We may provide you with access to third-party tools over which we neither monitor nor have any
control nor input.
You acknowledge and agree that we provide access to such tools without any warranties, representations, or conditions of any kind and any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party

Any use of optional tools offered through the site is entirely at your own risk and discretion. You
should ensure that you are familiar with and approve of the terms on which tools are provided by
the relevant third-party provider(s).

We may also, in the future, offer new services and/or features through the website (including the
release of new tools and resources). Such new features and/or services shall also be subject to
these Terms of Service.


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,
and we do not warrant. We will not have any liability or responsibility for third-party materials
or websites or any other materials, products, or services of third parties.
We are not liable for any harm or damages related to the purchase or use of goods, services,
resources, content, or any other transactions made in connection with any third-party websites.
Please review carefully the third-party's policies and practices and make sure you understand
them before you engage in any transaction. Complaints, claims, concerns, or questions regarding
third-party products should be directed to the third party.


Occasionally there may be information on our site or in the Service that contains typographical
errors, inaccuracies, or omissions that may relate to product description, pricing, promotions,
offers, product shipping charges, transit times, and 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 or on any related website is
inaccurate at any time without prior notice, including after you have submitted your order. We
undertake no obligation to update, amend or clarify information in the Service or any related
website, including, without limitation, pricing information, except as required by law. No
specified update or refresh date applied in the Service or on any related website should be taken
to indicate that all information in the Service or on any related website has been modified or


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 solicit others to perform or
participate in any unlawful acts: (c) to violate any international, federal, provincial or state
regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual
property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm,
defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation,
religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading
information; (g) to upload or transmit viruses or any other type of malicious code that will or
maybe used in any way that will affect the functionality or operation of the Service or of any
related website, other websites, or the internet; (h) to collect or track the personal information of
others; (i) spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral
purpose; or (k0 to interfere with or circumvent the security features of the Service or any related
website, other websites, or the internet. We reserve the right to terminate your use of the Service
or any related website for violating any of the prohibited uses.


We do not guarantee, represent, nor warrant that your use of our Service will be uninterrupted,
timely, secure, or error-free. We do not warrant that the results obtained from the use of the
Service will be accurate or reliable.
You agree that we may remove the Service for indefinite periods of time or cancel the Service at
any time without notice to you from time to time.

You expressly agree that your use of or your inability to use the Service is at your sole risk. 
The Service and all products and services delivered to you through the Service are (except as
expressly stated by us) provided; as available for your use, without any representation,
warranties, or conditions of any kind, either express or implied, including all implied warranties
or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability
title, and non-infringement.

In no case shall Wisdom & Insights 101, our directors, officers, employees, affiliates, agents,
contractors, interns, suppliers, service providers, or licensors be liable for any injury, loss, claim,
or any direct, indirect, incidental, punitive, special, or consequential damages of any kind,
including, without limitations lost profits, lost revenue, lost savings, loss of data, replacement
costs, or any similar damages, whether based in contract, tort(including negligence), strict

liability or otherwise, arising from your use of any of the Service or any products procured using
the Service, or for any other claim related in any way to your use of the Service or any product,
including, but not limited to, any errors or omissions in any content, or any loss or damage of
any kind incurred as a result of the use of the Service or any content (or product) posted,
transmitted, or otherwise made available via the Service, even if advised of their possibility.
Because some states or jurisdictions do not allow the exclusion or limitation of liability for
consequential or incidental damages, our liability shall be limited to the maximum extent
permitted by law in such states or jurisdictions.


You agree to indemnify, defend, and hold harmless Wisdom & Insights 101 and our parent,
subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service
providers, subcontractors, suppliers, interns, and employees harmless from any claim or demand,
including reasonable attorney's fees, made by any third party due to or arising out of your breach
of these Terms of Service or the documents they incorporate by reference or your violation of
any law or the rights of a third party.


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


The obligations and liabilities of the parties incurred before the termination date shall survive the
termination of this agreement for all purposes. These Terms of Service are effective unless and
until terminated by either you or us. You may terminate these Terms of Service at any time by
notifying us that you no longer wish to use our Services or when you cease using our site.
Suppose in our sole judgment you fail, or we suspect that you have failed, to comply with any
term or provision of these Terms of Service. In that case, we also may terminate this agreement
at any time without notice, and you will remain liable for all amounts due up to and including the
date of termination; and/or accordingly may deny you access to our Services (or any part


The failure of us to exercise or enforce any right or provision of these Terms of Service shall not
constitute a waiver of such right or provision.
These Terms of Service and any policies operating rules posted by us on this site or in respect to
The Service constitutes 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, between you and us (including, but not limited to, any
previous versions of the Terms of Service). Any ambiguities in the interpretation of these Terms
of Service shall not be construed against the drafting party.



These Terms of Service and any separate agreements whereby we provide you Service shall be
governed by and construed in accordance with the law of the United States.


At any given time, you can review the most current version of the Terms of Service on this page.
We reserve the right at our sole discretion to update, change, or replace 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. Your continued use of or access to our website or the Service
following the posting of any changes to these Terms of Service constitutes acceptance of those


Any questions about the Terms of Service should be emailed to

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