These Terms of Service ("Terms") govern your access to and use of JohnSchuurman.com (the "Website"), including any webinar registrations, SMS communications, and educational content provided by John Schuurman ("we," "us," or "our"), a sole proprietor operating under this domain.
By visiting our Website, registering for a webinar, or consenting to receive communications from us, you agree to be bound by these Terms. If you do not agree, please do not use our Website or services.
By accessing or using JohnSchuurman.com in any way — including browsing the site, submitting the registration form, or receiving SMS or email communications from us — you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
These Terms constitute a legally binding agreement between you and John Schuurman. If you are using this Website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
JohnSchuurman.com provides free educational webinars and informational content related to healthcare cost savings, specifically regarding health sharing programs as an alternative to traditional health insurance.
Our services include:
The health sharing program discussed in our webinars and on this Website is not health insurance. It is a health cost sharing program. It does not satisfy the minimum essential coverage requirements of the Affordable Care Act (ACA). It is not regulated by state insurance commissioners and is not available in Washington, Rhode Island, or New Jersey. By attending our webinar, you acknowledge this distinction.
Our Website and services are intended for individuals who are at least 18 years of age. By using this Website or registering for a webinar, you represent and warrant that:
We reserve the right to refuse service to anyone for any reason at any time.
By registering for a webinar through our Website, you agree to the following:
All content presented in our webinars is for educational and informational purposes only. Nothing presented constitutes financial, legal, medical, or insurance advice. You should consult with appropriate licensed professionals before making any healthcare or financial decisions.
By registering for a webinar and consenting via our registration form, you agree to receive communications from JohnSchuurman.com as described below.
Email communications may include webinar registration confirmations, session reminders, follow-up educational content, and promotional information about our services.
SMS text messages may include webinar reminders, session links, and follow-up information. Standard messaging and data rates from your carrier may apply.
Consent to receive SMS messages is not a condition of purchasing any product or service, or of attending our free webinar.
All content on JohnSchuurman.com — including but not limited to text, graphics, logos, layout, webinar presentations, and educational materials — is the property of John Schuurman or used with permission, and is protected by applicable copyright and intellectual property laws.
You may not:
You are permitted to share a link to our Website and to reference our publicly available educational content for personal, non-commercial purposes with proper attribution.
This Website and all content, webinars, and communications are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
Specifically, we make no guarantees regarding:
Nothing on this Website or in our webinars constitutes medical, legal, financial, or insurance advice. Always consult with qualified licensed professionals before making decisions regarding your healthcare coverage.
To the fullest extent permitted by applicable law, John Schuurman and JohnSchuurman.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, loss of data, loss of goodwill, or business interruption — arising out of or in connection with:
In no event shall our total liability to you exceed the amount you paid us in the twelve (12) months preceding the claim — which in the case of our free webinar services is zero dollars ($0).
Our Website and webinars may reference or link to third-party websites, platforms, or services — including Zoom (for webinar delivery), GoHighLevel (for CRM and messaging), and the health sharing program we represent.
We are not responsible for the content, privacy practices, or terms of service of any third-party platform. Links to third-party sites do not imply endorsement. We encourage you to review the privacy policies and terms of any third-party service you use in connection with our webinars or recommendations.
The health sharing program discussed in our webinars is operated by a separate organization. Enrollment in that program is governed by that organization's own terms, conditions, and membership agreements, which are separate from these Terms.
You agree to indemnify, defend, and hold harmless John Schuurman, his representatives, and affiliates from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or in any way connected with:
We reserve the right to suspend or terminate your access to our Website, webinars, or communications at any time, with or without notice, for any reason — including but not limited to violation of these Terms, disruptive behavior during webinars, or providing false registration information.
You may discontinue use of our Website and services at any time. To stop receiving communications, follow the opt-out instructions in Section 5 above.
Sections 6, 7, 8, and 10 of these Terms shall survive any termination or expiration.
These Terms shall be governed by and construed in accordance with the laws of the province of British Columbia, Canada, without regard to conflict of law principles, as John Schuurman operates as a sole proprietor based in Canada.
Any disputes arising under these Terms that cannot be resolved informally shall be submitted to binding arbitration or the appropriate court of competent jurisdiction in British Columbia, Canada. By using our Website, you consent to this jurisdiction.
Nothing in this section prevents either party from seeking injunctive or other equitable relief for violations of intellectual property rights or confidentiality obligations.
We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. In some cases, we may provide additional notice such as a notification via email.
Your continued use of our Website or services after any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using our Website and services and opt out of all communications.
If you have any questions about these Terms of Service, please contact us:
Website: JohnSchuurman.com
Email: [email protected]
Mailing Address: Available upon request
We aim to respond to all inquiries within 5–7 business days. For urgent matters related to SMS opt-out, please reply STOP directly to any text message you receive from us for the fastest resolution.