Terms and Conditions
Last updated: July 7, 2026
Please read these Terms and Conditions carefully before using our Service.
Definitions
For the purposes of these Terms and Conditions:
Company (referred to as "the Company," "We," "Us," or "Our") refers to Branning Group, Inc., 1320 Yuba St, Suite 209, Redding, CA 96001.
Website refers to the Insurance Playground book funnel, accessible from freebook.insurancecmo.ai, including its order pages and offer pages.
Service refers to the Website and the products offered through it.
Goods refer to the items offered for sale on the Service, including the physical book, digital book, and digital course bundles.
Branning Library refers to the Company's online course platform at branninglibrary.com, through which digital products are delivered.
You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service.
Acknowledgement
These are the Terms and Conditions governing the use of this Service and the agreement that operates between you and the Company. Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service.
You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.
Your access to and use of the Service is also conditioned on your acceptance of and compliance with the Privacy Policy of the Company. Please read our Privacy Policy carefully before using our Service.
The Book Offer
The Insurance Playground book is offered on a "free plus shipping" basis. The book itself is provided at no charge; you pay only a shipping and handling fee of $9.95 (US) at checkout. Upon completing your order, you will receive:
A physical copy of The Insurance Playground, shipped to the address you provide at checkout
Immediate access to the digital edition of the book through the Branning Library
Any bonuses described on the offer page at the time of your purchase
You are responsible for providing an accurate and complete shipping address. The Company is not responsible for orders that cannot be delivered due to an incorrect or incomplete address provided by you. Shipping timelines shown on the Website are estimates, not guarantees. [CONFIRM: current offer limited to US shipping addresses? If international shipping is offered, state the international S&H rate here.]
One-Time Offers and Additional Purchases
After completing your book order, you may be presented with optional one-time offers, such as digital course bundles. These offers are entirely optional, are separate purchases in addition to the shipping and handling fee, and are available at the stated price only at the time and on the page where they are presented. All digital products are delivered through the Branning Library, and access instructions are sent to the email address you provide at checkout.
Digital Product Access
Access to digital products requires a Branning Library account associated with the email address used at checkout. You are responsible for safeguarding your password and for any activity under your account. If you do not receive your password email, you can generate a new password at any time by using the "Forgot Password" tool at branninglibrary.com with the same email address used at purchase. Digital products are licensed for your individual use only and may not be shared, resold, reproduced, or distributed without the Company's written permission.
Billing
You agree to provide accurate and complete billing information, including your full name, address, and a valid payment method. By submitting your order, you authorize the Company to charge your payment method for the shipping and handling fee and for any optional offers you accept during checkout. Each charge will be itemized on your order confirmation.
Earnings and Results Disclaimer
The book, courses, and related materials offered through this Service are for educational and informational purposes only. The strategies, examples, and client stories described are illustrations of what is possible — they are not promises or guarantees of results. Your results will depend on many factors, including your background, experience, work ethic, and market conditions. The Company makes no guarantee that you will earn any specific amount of money, acquire any specific number of clients, or achieve any particular outcome by purchasing or applying the materials. Nothing on this Website or in the materials constitutes legal, financial, insurance, or professional advice.
Intellectual Property
The Service and its original content, including the book, courses, worksheets, graphics, and branding, are and will remain the exclusive property of the Company and its licensors. You may not copy, modify, distribute, sell, or lease any part of the Service or its content without the Company's prior written consent.
Agent CRM Free Trial
Buyers may be offered a free trial of Agent CRM, the Company's software platform. Any such trial and subsequent subscription are governed by the Agent CRM Terms and Conditions available at agent-crm.com. If you enter billing information to start a free trial, you will not be charged until the trial expires; on the last day of the trial, unless you cancel, you will be automatically charged the applicable subscription fee. The Company reserves the right to modify or cancel any free trial offer at any time.
Links to Other Websites
Our Service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to read the terms and privacy policies of any third-party websites you visit.
Termination
We may terminate or suspend your access to the Service or your Branning Library account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Service will cease immediately.
Limitation of Liability
Notwithstanding any damages that you might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms, and your exclusive remedy for all of the foregoing, shall be limited to the amount actually paid by you through the Service, or 100 USD if you haven't purchased anything through the Service.
To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data, business interruption, or personal injury) arising out of or in any way related to the use of or inability to use the Service, even if the Company has been advised of the possibility of such damages. Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages; in those states, each party's liability will be limited to the greatest extent permitted by law.
"AS IS" and "AS AVAILABLE" Disclaimer
The Service is provided to you "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company expressly disclaims all warranties, whether express, implied, statutory, or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. The Company makes no representation that the Service will be uninterrupted or error-free, or that any errors or defects will be corrected.
Governing Law
The laws of the State of California, United States, excluding its conflicts of law rules, shall govern these Terms and your use of the Service. Your use of the Service may also be subject to other local, state, national, or international laws.
Dispute Resolution
If you have any concern or dispute about the Service, you agree to first try to resolve the dispute informally by contacting the Company.
Severability and Waiver
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. The failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter.
Changes to These Terms and Conditions
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
Contact Us
If you have any questions about this policy, you can contact us:
By email: [email protected]
By visiting our support page: http://support.agent-crm.com
By phone: +1 (530) 424-8288
By mail: Branning Group, Inc., 1320 Yuba St, Suite 209, Redding, CA 96001
Alex Branning
Founder & CEO of Branning Group
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