Terms of Service

Last Updated: March 2026

These Terms of Service ("Terms") govern your use of actuary.info, operated by Coastal Dune Labs LLC ("we," "us," or "our"). By accessing or using the site, you agree to these Terms. If you do not agree, please do not use the site.

Nature of Content

actuary.info provides curated news, analysis, and educational content about the actuarial profession and insurance industry. All content is provided for general informational and educational purposes only.

Nothing on this site constitutes professional actuarial advice, financial advice, legal advice, or consulting services. The information published here should not be used as a substitute for consultation with qualified actuaries, accountants, attorneys, or other licensed professionals. We do not provide actuarial opinions, reserve estimates, rate filings, or any form of professional actuarial work product through this website.

While we strive for accuracy and cite primary sources wherever possible, we do not warrant that all information on the site is complete, current, or error-free. Insurance regulations, actuarial standards, exam requirements, and market conditions change frequently. Always verify critical information with primary sources such as the SOA, CAS, NAIC, or applicable regulatory bodies.

Intellectual Property

All original content on actuary.info, including Insights articles, editorial commentary, analysis, page design, and the actuary.info name and branding, is the property of Coastal Dune Labs LLC and is protected by applicable copyright laws.

You may share links to our content and quote brief excerpts with attribution. You may not reproduce, distribute, or republish substantial portions of our original content without prior written permission.

News headlines, summaries, and links on our curated news feeds reference third-party publications. All rights to those original articles remain with their respective publishers. We link to original sources and do not republish full articles.

Third-Party Links

actuary.info contains links to third-party websites, including news publications, regulatory bodies, professional organizations, and other resources. These links are provided for convenience and informational purposes. We do not control, endorse, or assume responsibility for the content, accuracy, or practices of any third-party sites. Accessing third-party sites is at your own risk.

User Conduct

When using our contact forms, newsletter subscription, or any interactive features, you agree not to submit false or misleading information, use the site for any unlawful purpose, attempt to interfere with the site's operation or security, or use automated systems to scrape or extract content in bulk without permission.

Our newsletter, the Actuary Daily Brew, is delivered via Buttondown. By subscribing, you consent to receive periodic emails containing curated news and analysis. You may unsubscribe at any time using the link provided in every email. Newsletter data handling is described in our Privacy Policy.

Hire an Actuary Service

Our Hire an Actuary page provides educational content about engaging actuarial professionals and may include an inquiry form. Submitting an inquiry does not create a professional engagement, employer-employee relationship, or guarantee of service. We may connect inquiries with qualified professionals but do not guarantee availability, qualifications, or outcomes of any engagement. We are not a staffing agency or professional placement firm.

Advertising

actuary.info displays advertisements through Google AdSense and may display advertisements through other advertising networks in the future. Advertisements are clearly distinguished from editorial content. Advertising relationships do not influence our editorial judgment, article selection, or analysis. For details on advertising cookies and data collection, see our Privacy Policy.

Limitation of Liability

To the fullest extent permitted by law, Coastal Dune Labs LLC, its owner, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of actuary.info, reliance on any information provided on the site, or inability to access the site.

This limitation applies whether the claim is based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

Disclaimer of Warranties

actuary.info is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, secure, or free of errors.

Indemnification

You agree to indemnify and hold harmless Coastal Dune Labs LLC from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the site or violation of these Terms.

Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date at the top of this page indicates when these Terms were last revised. Continued use of the site after changes constitutes acceptance of the updated Terms. We encourage you to review this page periodically.

Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts located in Delaware.

Contact

If you have questions about these Terms, please reach out via our contact page.