Terms and Conditions

Medical Captive Underwriters LLC
Effective Date: July 18, 2025
Last Updated: July 18, 2025

Welcome to Medical Captive Underwriters

These Terms and Conditions ("Terms") govern your use of the Medical Captive Underwriters LLC ("MCU," "we," "us," or "our") website, educational content, and services. By accessing our website at medicalcaptive.com or using our services, you agree to be bound by these Terms.

About Medical Captive Underwriters

Medical Captive Underwriters LLC is a North Carolina-based company specializing in medical captive insurance consulting and education. We are "the transparency company" committed to providing clear, accessible education about medical captives to benefits consultants and employers.

Acceptance of Terms

By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our website or services.

Description of Services

Educational Content

YouTube Educational Series: Comprehensive video content about medical captives
Website Resources: Articles, guides, and educational materials
The Captain's Log Newsletter: Monthly industry insights and updates

Consulting Services

Medical Captive Consultation: Professional advice and guidance
Conference Presentations: Speaking engagements and industry education
Custom Analysis: Tailored assessments for specific situations
Ongoing Support: Continued partnership and expertise sharing

Conference and Networking

Industry Events: "Where to Find Us" conference presence
Professional Networking: Relationship building and industry connections
Speaking Engagements: Educational presentations and thought leadership

User Responsibilities

Appropriate Use

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You will not:

Use our services for any illegal or unauthorized purpose
Attempt to gain unauthorized access to our systems or user accounts
Transmit any harmful, offensive, or inappropriate content
Interfere with or disrupt our website or services
Violate any applicable laws or regulations

Professional Conduct

As our services are designed for business professionals, you agree to:

Provide accurate and current information
Maintain professional standards in all interactions
Respect the confidentiality of sensitive information
Use our educational content responsibly and ethically

Intellectual Property Rights

Our Content

All content on our website, including but not limited to text, graphics, logos, videos, and educational materials, is owned by Medical Captive Underwriters LLC and is protected by intellectual property laws.

Your Use Rights

We grant you a limited, non-exclusive, non-transferable license to:

Access and use our website for legitimate business purposes
View and download educational content for your professional use
Share our content with proper attribution and within fair use guidelines
Use our materials to educate clients about medical captives

Restrictions

You may not:

Reproduce, distribute, or create derivative works without permission
Use our content for commercial purposes beyond your professional practice
Remove or modify any copyright, trademark, or proprietary notices
Claim ownership of or misrepresent our content as your own

Nautical Branding

Our nautical-themed branding, including the "Alvacos" name and sailing-related imagery, is part of our trademark portfolio and may not be used without permission.

Educational Content Disclaimer

Professional Advice

While our educational content is designed to be informative and helpful, it is not a substitute for professional advice. You should:

Consult with qualified professionals for specific situations
Verify information independently before making decisions
Consider your unique circumstances and requirements
Seek appropriate legal, financial, or insurance counsel

Industry Changes

The medical captive industry is subject to regulatory changes and evolving best practices. We strive to keep our content current, but:

Information may become outdated over time
Regulations may change after content publication
Industry standards may evolve
Professional consultation is recommended for current guidance

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Disclaimer of Warranties

As-Is Basis

Our website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding:

Website availability or performance
Accuracy or completeness of content
Suitability for specific purposes
Freedom from errors or interruptions

No Guarantee of Results

While we strive to provide valuable educational content and professional services, we cannot guarantee specific outcomes or results from using our services.

Limitation of Liability

Scope of Limitation

To the fullest extent permitted by law, Medical Captive Underwriters LLC shall not be liable for:

Indirect, incidental, or consequential damages
Loss of profits, data, or business opportunities
Damages resulting from use or inability to use our services
Third-party actions or content

Maximum Liability

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid us for services in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Medical Captive Underwriters LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

Your use of our website or services
Your violation of these Terms
Your violation of any third-party rights
Your misuse of our educational content

Third-Party Services

YouTube Integration

Our educational videos are hosted on YouTube. Your use of YouTube services is subject to YouTube's terms of service and privacy policy.

Conference Venues

When we meet at industry conferences, the venue's terms and conditions may also apply to our interactions.

Professional Partnerships

We may recommend or work with other professionals. We are not responsible for the actions or services of third parties.

Communications

Electronic Communications

By using our services, you consent to receive electronic communications from us, including:

The Captain's Log newsletter
Service-related notifications
Educational content updates
Conference coordination communications

Opt-Out Options

You may opt out of promotional communications while maintaining service-related communications necessary for our business relationship.

Modifications to Terms

Right to Modify

We reserve the right to modify these Terms at any time. Changes will be effective when posted on our website.

Notification of Changes

For material changes, we will provide notice through:

Website notifications
The Captain's Log newsletter
Direct communication for significant changes

Continued Use

Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

Termination

Your Right to Terminate

You may stop using our services at any time and request deletion of your account or information.

Our Right to Terminate

We may terminate or suspend your access to our services for:

Violation of these Terms
Misuse of our educational content
Inappropriate professional conduct
Legal or regulatory requirements

Effect of Termination

Upon termination:

Your access to premium content will cease
We may retain certain information as required by law
Provisions regarding intellectual property and liability shall survive

Governing Law and Jurisdiction

These Terms are governed by the laws of North Carolina, USA. Any disputes shall be resolved in the courts of North Carolina.

Contact Information

General Questions

Medical Captive Underwriters LLC
[Street Address]
[City, State ZIP Code]

Email: info@medicalcaptive.com
Phone: [Phone Number]
Website: medicalcaptive.com

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Medical Captive Underwriters LLC regarding your use of our services.

Our Transparency Promise

As "the transparency company," we've written these Terms to be as clear and understandable as possible. If you have questions about any provision, we're happy to explain our approach in plain language. Our goal is to maintain fair, transparent relationships with everyone who uses our services.

These Terms and Conditions reflect our commitment to transparent business practices and ethical service delivery. We believe that understanding our terms should be as clear as understanding medical captives themselves.

Last Updated: [Date]
Version: 1.0

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