Disclosures and Disclaimers
Last Updated: August 25, 2025
Important Notice
This page contains important information about our business relationships, revenue sources, and the limitations of our educational content. Please read carefully before using our services or making any insurance decisions.
Affiliate Relationships
How Affiliate Marketing Works
We earn commissions when you use our affiliate links. When you click links to insurance carriers, comparison platforms, or related services and subsequently request quotes or purchase services, we may receive a commission from those companies.
Our Affiliate Partners Include:
- Insurance carriers and agencies
- Insurance comparison websites
- Cybersecurity service providers
- Business software platforms
- Educational and certification programs
Commission Disclosure
- Commission Range: Typically $25-$500 per qualified lead or sale
- Payment Timing: Usually 30-90 days after the transaction
- No Cost to You: Affiliate commissions never increase your costs
- Clear Marking: All affiliate links are marked with appropriate disclosure
Editorial Independence
Our affiliate relationships do not influence our educational content. We maintain strict editorial guidelines:
- Educational content is created independently
- Product recommendations are based on merit, not commission rates
- We only partner with companies we would genuinely recommend
- Affiliate relationships are always disclosed prominently
Revenue Sources
Primary Revenue Streams
- Affiliate Commissions: As described above
- Display Advertising: Ads from Google AdSense and other networks
- Sponsored Content: Occasionally, clearly marked sponsored articles
- Referral Fees: Commissions from insurance agents and carriers
What We Don’t Do
- We don’t sell insurance policies directly
- We don’t collect or store payment information
- We don’t charge fees to users for our educational content
- We don’t sell personal data to third parties
Educational Disclaimers
Not Licensed Insurance Professionals
IMPORTANT: We are not a licensed insurance agency, broker, or carrier.
- We cannot sell, solicit, negotiate, or bind insurance policies
- We cannot provide specific coverage recommendations for your business
- All insurance transactions must be conducted through properly licensed professionals
Educational Content Only
Our website content is for educational and informational purposes only. This content does not constitute:
- Professional insurance advice tailored to your situation
- Legal advice regarding compliance or liability
- Financial advice about business investments
- Specific recommendations for your particular business needs
Professional Consultation Required
Always consult with licensed professionals before making coverage decisions:
- Licensed insurance agents for policy recommendations
- Attorneys for legal compliance questions
- Financial advisors for coverage amount decisions
- IT professionals for cybersecurity implementations
Accuracy and Currency Disclaimers
Information Accuracy
While we strive for accuracy, we cannot guarantee the completeness or reliability of all information on our website because:
- Insurance markets change rapidly
- Carrier requirements evolve frequently
- State regulations are updated regularly
- Pricing fluctuates based on market conditions
Currency of Information
- Content is updated regularly but may not reflect the most recent changes
- Always verify current pricing and requirements with carriers
- State and federal regulations may have changed since publication
- Use our information as a starting point, not final decision criteria
Third-Party Links and Services
External Website Links
Our website contains links to third-party websites and services. We are not responsible for:
- The privacy practices of external websites
- The accuracy of information on third-party sites
- Any transactions you conduct with external companies
- The security or reliability of external services
Third-Party Services
When you use our affiliate links, you are interacting directly with third parties who have their own:
- Terms of service and privacy policies
- Pricing and service structures
- Customer service and support procedures
- Data collection and use practices
Liability Limitations
No Warranties
We provide our content and services “as is” without any warranties, express or implied, including but not limited to:
- Warranties of merchantability or fitness for a particular purpose
- Warranties of accuracy or completeness of information
- Warranties of uninterrupted or error-free service
Limitation of Liability
To the maximum extent permitted by law:
- We shall not be liable for any direct, indirect, incidental, or consequential damages
- Our total liability shall not exceed $100 for any claim
- You use our website and services at your own risk
- We are not responsible for any business decisions based on our content
Data and Privacy
Information Collection
We collect limited information to:
- Improve our content and services
- Track affiliate referrals and commissions
- Comply with legal obligations
- Provide requested information or services
Data Use
- We do not sell personal information to third parties
- Affiliate partners may collect information when you use their services
- See our Privacy Policy for detailed information about data practices
Geographic Limitations
United States Focus
Our content primarily focuses on the United States insurance market:
- Information may not apply to other countries
- State-specific guidance is limited to U.S. states
- International users should consult local professionals
Changes to Disclosures
We may update these disclosures periodically to reflect:
- New affiliate relationships or revenue sources
- Changes in legal requirements
- Updates to our business model or services
- Clarifications based on user feedback
Material changes will be posted with an updated date at the top of this page.
Contact Information
If you have questions about these disclosures or our business practices, please contact us:
Cyber Insurance Guide
Email: hello@cyberinsuranceguide.com
Address: 651 N. Broad St, Suite 201, Middletown, DE 19709
Regulatory Compliance
These disclosures are designed to comply with:
- Federal Trade Commission (FTC) endorsement guidelines
- State insurance regulatory requirements
- Consumer protection laws
- Online advertising standards and best practices
By using our website and services, you acknowledge that you have read, understood, and agree to these disclosures and disclaimers.