Last Updated: 10/20/2025
1. Introduction
Welcome to Marsh Enterprises LLC (“Marsh Enterprises,” “we,” “our,” or “us”).
These Terms and Conditions (“Terms”) govern your access to and use of our websites, mobile applications, online stores, digital media, and related services (collectively, the “Services”).
By using our Services, you agree to these Terms. If you do not agree, please discontinue use immediately.
These Terms apply to all brands and divisions owned and operated by Marsh Enterprises LLC, including but not limited to Safetyology, The Guardian Files, and Rugged Thread Works.
2. Use of Our Services
You agree to use our Services only for lawful purposes and in accordance with these Terms. You may not:
- Violate any applicable laws or regulations.
- Interfere with or disrupt the security or functionality of the Services.
- Attempt to gain unauthorized access to systems or data.
- Copy, reproduce, or redistribute any content without our written consent.
- Use our Services to transmit spam, malware, or harmful code.
We reserve the right to suspend or terminate your access to any of our Services at any time, without notice, for violating these Terms.
3. Intellectual Property
All content on our websites—including text, graphics, logos, videos, images, icons, products, code, and trademarks—is the property of Marsh Enterprises LLC or its respective brands and licensors.
You may not copy, distribute, modify, or create derivative works without express written permission.
The names Marsh Enterprises, Safetyology, The Guardian Files, and Rugged Thread Works and their associated logos are registered or common-law trademarks of Marsh Enterprises LLC.
4. Products and Services
We provide a range of products and services through our divisions:
- Safetyology: AI and workplace safety training, tools, and media.
- The Guardian Files: Podcasts, videos, and publications related to safety, AI, and leadership.
- Rugged Thread Works: Handcrafted leather and technical gear for field and outdoor use.
All descriptions, prices, and availability are subject to change without notice.
We reserve the right to discontinue or modify products or services at any time.
5. Orders, Payments, and Returns
If you purchase a product or service through one of our platforms:
- Payments are processed securely through trusted third-party providers (e.g., Stripe, Shopify, PayPal).
- We do not store full credit card information.
- Orders may be refused or canceled at our discretion, including for suspected fraud or misuse.
Refunds, cancellations, and returns are handled according to each division’s specific policies, which will be clearly stated at checkout or in related documentation.
6. User Accounts
When creating an account on any Marsh Enterprises website, you are responsible for:
- Maintaining the confidentiality of your login credentials.
- All activities under your account.
- Providing accurate and current information.
We reserve the right to suspend or terminate accounts that violate these Terms or contain false information.
7. Content Submission
If you submit content (comments, testimonials, reviews, or media), you grant Marsh Enterprises LLC a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and publish that content for marketing or promotional purposes.
You represent that you own or have the right to submit such content and that it does not infringe any third-party rights.
8. Third-Party Links and Services
Our Services may include links to external websites or tools operated by third parties.
We are not responsible for their content, security, or privacy practices. Accessing third-party resources is at your own risk.
9. Disclaimers
All information, media, training materials, and products are provided “as is” and “as available.”
We make no warranties, express or implied, regarding accuracy, reliability, or suitability for a specific purpose.
Marsh Enterprises LLC and its divisions do not guarantee that any advice, training, or content provided will prevent accidents, injuries, or losses. Users and businesses remain responsible for implementing appropriate safety and compliance measures.
10. Limitation of Liability
To the fullest extent permitted by law, Marsh Enterprises LLC, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our Services, products, or media content—even if advised of the possibility of such damages.
You agree to indemnify and hold harmless Marsh Enterprises LLC and its divisions against any claims, losses, or damages resulting from your misuse of our Services or violation of these Terms.
11. Affiliate Disclosure
Some pages or media produced by Marsh Enterprises and its brands may contain affiliate links.
When you click these links or make purchases, we may earn a small commission—at no additional cost to you.
We only recommend products or services we believe in and that align with our mission of safety, quality, and integrity.
12. Governing Law
These Terms are governed by the laws of the State of Washington, without regard to its conflict of law principles.
Any disputes shall be resolved in the appropriate courts of Skagit County, Washington.
13. Changes to These Terms
We may update these Terms occasionally to reflect changes in our business or legal obligations.
Updates will be posted here with a revised “Last Updated” date. Continued use of our Services after such changes constitutes acceptance of the updated Terms.
14. Contact Us
If you have questions about these Terms or our policies, contact:
admin@marshent.com