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Terms of Service

Terms of Service

Last Updated: July 8, 2026 Effective Date: July 8, 2026

1. Acceptance of Terms

Plain English Summary: By using this Site or enrolling in our courses, you agree to these terms. If you don’t agree, please don’t use the Site. You must be at least 18 years old to enroll.

By accessing or using WorkCompTechPro.com (the “Site”) or enrolling in any Institute of WorkComp Professionals (“IWCP,” “we,” “us”) course or credentialing program (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Services. You must be at least 18 years old to enroll. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

Plain English Summary: We provide online training and credentialing programs for workers’ compensation professionals (WCTP, CWCA, CWCS, MWCA). We do our best to keep the Site and course materials available, but we can’t guarantee zero downtime.

IWCP provides workers’ compensation training, coursework, and credential examinations to insurance and claims industry professionals. We make reasonable efforts to keep the Site and course platform available but do not guarantee uninterrupted access.

3. User Accounts and Responsibilities

Plain English Summary: Accessing a course requires an individual account. Keep your login to yourself — each license is for one person, and sharing your login with someone who hasn’t purchased the course isn’t allowed. You’re responsible for anything that happens under your account.

Course access requires account registration. You agree to provide accurate information, maintain the confidentiality of your login credentials, and accept responsibility for all activity under your account. Each course license is issued to a single named individual. You may not share your login credentials with, or otherwise grant course access to, any person who has not separately purchased or been licensed for the course. We may suspend or terminate accounts that violate these Terms, including accounts used to provide unauthorized access to others.

4. Payment Terms

Plain English Summary: Course pricing depends on the plan you choose — individual enrollment or a corporate/team solution — and is shown at checkout. Payments are processed securely through our order partner, Keap. We offer a 30-day money-back guarantee.

Pricing varies by enrollment type (individual or corporate/team licensing) and is presented in full at checkout before purchase. Payments are processed by our third-party order-processing partner, Keap, at bigideas.infusionsoft.app. Where an installment plan is offered, payments will be automatically charged to your payment method on file until paid in full. Refund policy: we offer a 30-day money-back guarantee from the date of purchase. Contact us at kevin@workcompprofessionals.com to request a refund within that window. confirm whether any conditions apply to the guarantee (e.g., course-completion threshold, corporate/team orders excluded). All fees are exclusive of applicable taxes unless stated otherwise.

5. Intellectual Property Rights

Plain English Summary: All course materials, the WCTP/CWCA/CWCS/MWCA curriculum, and the Site itself belong to us. You get a personal license to use them for your own learning — not to copy, resell, or redistribute them.

All course content, curriculum, trademarks (including WCTP, CWCA, CWCS, and MWCA), and Site materials are owned by IWCP or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to access course materials for your personal professional development. You may not copy, reproduce, distribute, resell, or create derivative works from our materials without written permission.

6. Prohibited Uses

Plain English Summary: Don’t use the Site or courses for anything illegal, don’t share your course access with others, don’t scrape or resell our content, and don’t try to break our systems.

You agree not to: – Use the Services for any unlawful purpose – Share, resell, or sublicense course access or materials without authorization – Scrape, copy, or reverse-engineer Site content – Impersonate any person or misrepresent your affiliation – Upload malware or attempt unauthorized access to our systems – Use the Services to build a competing training product

7. Privacy and Data Protection

Plain English Summary: We collect the personal info needed to run your enrollment and respond to inquiries. See our Privacy Policy for the full details, including your GDPR and CCPA rights.

Our data practices are described in our Privacy Policy. EEA/UK users have rights of access, rectification, erasure, restriction, portability, and objection, and may lodge complaints with their local Data Protection Authority. California residents have rights to know, delete, and opt out of sale of personal information under CCPA — we do not sell personal information.

8. Disclaimers and Limitations of Liability

Plain English Summary: We provide the Services “as is.” We’re not liable for indirect damages, and our total liability is capped at what you paid us in the past 12 months.

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IWCP’S TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES. Some jurisdictions do not allow these limitations, so they may not apply to you. We are not liable for delays or failures caused by events beyond our reasonable control (force majeure), including natural disasters, pandemics, or government action.

9. Indemnification

Plain English Summary: If your misuse of the Services causes us to get sued, you agree to cover our reasonable costs.

You agree to indemnify and hold IWCP harmless from claims arising out of your use of the Services, your violation of these Terms, or your violation of any third party’s rights.

10. Termination

Plain English Summary: You can stop using the Services anytime. We can suspend or terminate access if you violate these Terms. Some sections of these Terms survive after termination (like IP rights and liability limits).

Either party may terminate access to the Services at any time. We may suspend or terminate your access for violation of these Terms. Sections relating to intellectual property, disclaimers, limitation of liability, and indemnification survive termination.

11. Dispute Resolution

Plain English Summary: These Terms are governed by North Carolina law. If there’s a dispute, we ask that you first reach out so we can try to resolve it directly.

These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-law principles. Before filing a claim, both parties agree to attempt informal resolution by contacting the other party and allowing 30 days to resolve the dispute. Confirm with counsel whether to add a binding arbitration clause (e.g., AAA rules) with a class-action waiver, or to proceed via courts located in North Carolina.

12. Changes to Terms

Plain English Summary: We may update these Terms. If we make a material change, we’ll post the update here with a new date. Continuing to use the Services after that means you accept the new Terms.

We may modify these Terms at any time. Material changes will be reflected by an updated “Last Updated” date on this page. Continued use of the Services after changes take effect constitutes acceptance.

13. General Provisions

These Terms constitute the entire agreement between you and IWCP regarding the Services. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.

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