Terms & Conditions
The following terms and conditions are subject to change at any time and at the sole discretion of the AM-Insider.com (the "Site) owner and operator, Sarah Ritchie (collectively “we,” “us,” or “our”). Please visit the Site regularly for updates.
Refund Policy – Products
100% money-back satisfaction guarantee
AM-Insider offers you a no-risk, 100% money back satisfaction guarantee. As a purchaser of any AM-Insider product (e.g. book, resource, ebook, etc) you have 30 days to see if your AM-Insider product makes a difference to your account management career. If you feel that it wasn’t worth your money, email us with your name, email address, date of purchase and product name and we will issue you a full, 100%, no hassle refund for your investment - guaranteed! Please note that this offer only applies to purchases made through the AM-Insider.com website. Purchases made through third-party sites (such as Amazon or CreateSpace), cannot be refunded via AM-Insider.
With the exception of 'guest posts' written by others (see the bottom of this page), the content on this Site is owned by Sarah Ritchie, and is copyrighted in Sarah Ritchie’s name. This includes all articles and all digital downloads (e.g. resources and ebooks). Thank you in advance for your cooperation.
You are free to do the following without Sarah Ritchie’s permission:
- Link to the AM-Insider website or any specific post on the AM-Insider Site.
- Extract and re-post less than 200 words onto any other website, provided you link back to the original post on the AM-Insider Site.
- Print off AM-Insider posts and photocopy up to 50 copies for internal distribution within your own company or organisation. The printed copy must include this copyright notice: "©2015 Sarah Ritchie. All rights reserved. Originally published at www.am-insider.com"
- Print AM-Insider posts in any non-commercial publication (e.g., company newsletter, church newsletter, etc), provided you include this copyright notice: “© 2018 Sarah Ritchie. All rights reserved. Originally published at www.am-insider.com”
You must have Sarah Ritchie’s express written consent to do any of the following to any AM-Insider and Sarah Ritchie articles, resources and ebooks:
- Use the content for commercial purposes, including selling or licensing printed or digital versions.
- Alter, transform, or build upon this work.
Re-posting and Translation Rights
Sarah Ritchie does not permit the re-posting of AM-Insider posts in their entirety. This is because Google penalises websites for publishing duplicate content. Google often can’t tell which site hosts the original, so Sarah Ritchie and AM-Insider risk getting penalised for granting permission.
Guest bloggers on the AM-Insider Site retain the copyright to the posts they write. The above permission guidelines do not apply to their work. If you are interested in re-posting or publishing their content, you must contact them directly.
If you have some use for AM-Insider or Sarah Ritchie content that is not covered here, please email us.
Guest Blogging Policy
- Content must be guest blogger’s own original work and not published anywhere else online.
- Content must be relevant to account management (client service, sales) professionals working within the international advertising, design and print industries.
- Plagiarism is not permitted. When quoting others, please site your sources accordingly.
- Once you’ve submitted your post to us you may not publish this post anywhere else online (not on your own website or blog or anyone else’s).
- Please keep your submission between 200 – 1,000 words.
- The Site welcomes images and/or video to accompany guest blog posts. The Site prefers that images you provide are directly relevant to the post content. If the image is not relevant, then the Site reserves the right to remove or replace the image.
- If you’re including pictures of people, please make sure you have their permission to use them.
- If you’re borrowing an image we require proper attribution to the creator of the image.
- The image must be of good quality. Maximum image size: 8MB
- The Site is pleased to give you credit as the author of your post. We allow one link in your byline which will be displayed at the bottom of the page below your guest blog post. This may not be an affiliate link or point to an affiliate site.
- We don’t allow links to your site within the post content unless it is directly related to the topic.
- You may include SEO’d anchor tags to sites that are relevant to your post.
- Excessive links or any links that appear like spam will be removed.
- The Site reserves the right to make edits to the piece where necessary to ensure the article stays congruous with our values. Prior to publication of your guest blog post we will make sure you agree with these changes.
- If a guest post is inappropriate or needs improvement we’ll let you know and offer suggestions so that we can publish it in the future.
- Submission of the guest blog post is not a guarantee that the post will be published, which is at the owner of the Site’s discretion.
- The Site and Site owner reserve the right to refuse publication, remove blog content and change these guidelines as we see fit.
How to submit:
Please email us your article as a Microsoft Word file or plain text file. Still images are to be supplied as good quality jpeg files. Videos should first be uploaded to your own video streaming service account (e.g. YouTube or Vimeo), and the video URL can then be supplied.
Owners and Collectors of Information
The contents of the Site is protected by copyright and trademark laws, and is the property of its owner. All information on the Site is copyrighted by Sarah Ritchie. Unless otherwise noted, you may access and use the information and materials within the Site for your personal use. You may not change, modify, delete, display, transmit, adapt, exploit, or copy for distribution or sale any information, material, trademark, or copyright on the site. You must obtain written permission from Sarah Ritchie or any other entity who owns intellectual property on the Site before you may publish, distribute, display, or commercially exploit any material from the site. By using the Site, you agree to abide by all copyright notices or other posted restrictions.
We welcome your comments about the Site. However, we will not review or consider any unsolicited creative submissions or suggestions for topics on our articles/blog posts, podcasts, seminars or within our newsletters or products. We hope you will understand that this policy is intended to avoid the possibility of future misunderstandings in the event that ideas developed by our staff might seem to be similar to the ideas submitted to us. Accordingly, we must ask that you not send us any original creative ideas, suggestions or materials.
If, despite our request, you send us any idea, suggestion or material (“Submission”), it shall become our property. We will not be subject to any obligation of confidence for any Submission, and we will not be liable for any use or disclosure of any Submission. In the case that you submit something to us and it is unsolicited, we will exclusively own all rights to the Submission worldwide, and we will be entitled to the unrestricted use of the Submission for any purpose, without compensation or notification to the provider of the Submission. Given this fact, we ask that you refrain from submitting creative projects to us, particularly those that are confidential or personal to you.
A “forum” means any blog comments, message board, chat room, user review forum or other interactive service appearing on the Site, and includes both public boards and private forums. You must register in accordance with instructions that you will find on the Site in order to contribute to any forum. You may not post on any forum, or send to any other forum user or our staff, any material that is abusive, vulgar, threatening, harassing, libelous, defamatory, obscene, invades a person’s privacy, violates any intellectual or other property rights, or that would otherwise violate any law. You may not use any forum in a commercial manner.
You may not post material that solicits funds, or that advertises or solicits goods or services. You may not post material known to be false. You may not post messages that contain stock touts. You may not post or transmit any information, software or other material that contains a virus or other harmful component.
We are not responsible for material appearing in any forum on the Site, except for material signed by one of our identified representatives. We are not responsible for screening material posted by users for libel, obscenity, invasion of privacy, copyright or trademark infringement, accuracy, or for any other reason. We retain, however, the right to modify or remove messages or other material that we, in our sole discretion, consider infringing, offensive, abusive, defamatory, obscene, snarky, stale, or otherwise unacceptable. We also reserve the right to edit materials for any other reason.
Whether or not we modify or remove such material, users remain solely responsible for the content of their messages or postings. By posting on the Site, you grant (or warrant that the owner of such rights has expressly granted) us and/or relevant affiliated companies the worldwide, perpetual, non-exclusive right to use your questions, comments, and postings, in their original or edited form, in television programmes, books, articles, commentaries, or in any other medium now known or later developed.
You also warrant that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by us will not infringe the rights of any third party. Additionally, you warrant that any “moral rights” in posted materials have been waived. You are not entitled to any compensation for any materials you may post on the Site.
The information, services, products, claims, topics, and materials on our Site are provided “as is” and without warranties of any kind, either expressed or implied. We disclaim all warranties, expressed or implied, including but not limited to implied effectiveness of the ideas or strategies listed on this site as well as those that are provided in our products or to our participants at our events. The only exception is the guarantee of satisfaction that is clearly labeled "Guarantee" within our Site.
Neither we nor any of our respective licensors or suppliers warrant that any functions contained in the site will be uninterrupted or error-free, that defects will be corrected, or that the site or the server that makes them available are free of viruses or other harmful components. Neither we nor any of our respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products, information or materials in this Site in terms of their correctness, accuracy, reliability, or otherwise. You (and not we or any of our respective licensors or suppliers) assume the entire cost of all necessary servicing, repair or correction to your system. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.
We do not endorse, warrant or guarantee any writers, speakers, products or services offered on the site or those we link to. We are not a party to, and do not monitor, any transaction between users and third-party providers of products or services.
Limitation of Liability
Under no circumstances, including but not limited to negligence, will we or any of our licensors or suppliers be liable for any special or consequential damages that result from the use of, or the inability to use, the materials or information on the Site, or any products or services provided pursuant to the Site, even if advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages (including but not limited to lost data), so the above limitation or exclusion may not apply to you. In no event shall the total liability to you by us or any of our licensors or suppliers for all damages, losses, and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you to us, if any, for accessing the Site.
Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any advice, goods or services you receive from a guest speaker on our Site or at one of our events.
We are also not responsible or liable for any loss or damage that is caused or alleged to have been caused to our guest blog post authors or speakers in connection with the display of their photo, name, or biography posted on our Site or in our marketing materials.
No Professional Advice
The information contained in or made available through the Site (including but not limited to information contained in resources, in ebooks, in articles, on message boards, in text files, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, medical, psychological, or legal matters. In particular, you should regularly consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. We and our licensors or suppliers make no representations or warranties concerning any treatment, action, or application of medication or preparation by any person following the information offered or provided within or through the Site. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death.
You alone are responsible and accountable for your decisions, actions and results in life, and by your use of the Site, you agree not to attempt to hold us liable for any such decisions, actions or results, at any time, under any circumstance.
All products and services by our company are for educational and informational purposes only. Nothing on this page, our Site, or any of our content or teaching materials is a promise or guarantee of results or future earnings, and we do not offer any legal, medical, tax or other professional advice. Any financial numbers referenced here, or on our Site, are illustrative of concepts only and should not be considered average earnings, exact earnings, or promises for actual or future performance.
Making decisions based on any information presented in our products, events, services, or Site, should be done only with the knowledge that you could experience risk or losses just like any entrepreneurial endeavour. Use caution and always consult your accountant, lawyer or professional advisor before acting on this or any information related to a lifestyle change or your business or finances, or those of the company which you work for. You alone are responsible and accountable for your decisions, actions and results in life, and by your use of this Site or the purchase and use of any products from this Site, you agree not to attempt to hold us liable for your decisions, actions or results, at any time, under any circumstance.
The Site is not directed to children under the age of 16 and we will not knowingly collect personally identifiable information from children under 16 years of age. We strongly recommend that parents participate in their children’s exploration of the internet and any online services and use their browser’s parental controls to limit the areas of the internet to which their children have access. We may, at our discretion, require users under 18 years of age to obtain the consent of a parent or guardian to view certain content, and we may limit access to certain content to users above a specified age. You agree to abide by any such restrictions, and not to help anyone avoid these restrictions.
Confidentiality and Non-Competition
Users of our Site hereby understand that the tools, processes, strategies, materials and information presented on our Site are copyrighted and proprietary, so users agrees not to record, duplicate, distribute, teach or train from our information in any manner whatsoever without our express written permission. Any unauthorizsed use or distribution of our Site's proprietary concepts, materials, and intellectual property by you or your representatives is prohibited and Site Owner will pursue legal action and full damages if these terms are violated in order to protect its rights.
We are committed to protecting your privacy and security. We control this site from offices in New Zealand. We do not represent that materials on the site are appropriate or available for use in other locations. Persons who choose to access this site from other locations do so on their own initiative, and are responsible for compliance with their own local laws, if and to the extent local laws are applicable.
Outside Sites (their privacy policies may be different)
How and Why We Collect Information
We collect your information in order to record and support your participation in the activities you select. If you opt in to receive any free or purchased training series, download a free product, register for a webinar, seminar, or live event, or purchase any product sold by us or promoted by us, you will automatically be subscribed to our free newsletter. If you do not wish to receive this free newsletter, you may opt out at any time. We include an unsubscribe link on every e-mail we send. If you have any trouble opting out, please send an email to us. We will manually remove you from our email list(s).
In connection with other activities, such as those described above, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, we may ask that you provide us personal information, such as your first and last name, mailing address (including post code), email address, telephone number, credit card, and other personal information. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity.
In all cases, we will collect personal identification information from you only if you voluntarily submit such information to us. We will also tell you how we use your information or if we share it with another party. Except as otherwise provided in this policy, we will never intentionally disclose any personal identification information about you as an individual user to any third party without having received your permission.
If you supply us with your contact information you may receive periodic emails, postal mailings, text messages or calls from us with information on new products and services, important issues, or upcoming events. If you wish to be removed from any postal, email, phone, text or other lists, please let us know by emailing us. Please provide us with your exact name, email address, postal address, and phone number. We will be sure your name is removed from the appropriate list(s) immediately.
When you use our Site, we or our authorised technology services provider may also collect certain technical and routing information from you to facilitate your use of the Site and its services. We use this information to administer the Site and to understand and measure traffic patterns on the Site so that we know which areas of our sites are favorites of our users, which areas need improvement, and what technologies are being used so that we may continually improve our sites. This information is collected in aggregate form, without identifying you or any user individually. We may use this aggregate, non-identifying statistical data for statistical analysis, marketing, or similar promotional purposes.
This data is often tracked by us and our technology services provider by using “cookies” during your visit. A cookie is small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you. It functions as your identification card and enables us to record your passwords, purchases, and preferences. It cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. For some of our Site's web pages that require an authorisation, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.
Further, the information you enter when making a purchase or an online donation will be shared with payment processors, financial gateways, and your credit card company to authorise credit card payments. Such information may also be shared with necessary third parties solely for the purpose or carrying out the transactions. Please note that if you give out personal information online through a discussion board or posting site, that information can be collected and used by third parties. Although we strive to protect our users’ privacy, we cannot guarantee the security of information you post in these forums. You disclose such information at your own risk.
For New Zealand residents only
The prices on the AM-Insider website are shown in US dollars and include GST of 15%.