Terms of Service

Welcome to LossReserves.com, operated by Coastal Dune Labs LLC ("we," "us," or "our"). By accessing or using this website, you agree to these Terms of Service. If you do not agree, please do not use the site.

About This Site

LossReserves.com is an independent educational publication focused on loss reserving and unpaid claim estimation for self-insured organizations, captives, risk pools, and the professionals who advise them. We publish original explanatory articles on reserving methodology, along with a separate feed of current-events coverage. Our content is produced with AI-assisted drafting tools under human editorial oversight, and is published under an editorial pen name. Our editorial process is described on our About and How We Curate pages.

Content Is Educational, Not an Actuarial Opinion

Everything on this site is published for general informational and educational purposes only. Nothing on this site is an actuarial opinion or actuarial work product. Articles, methodology explainers, worked examples, illustrative figures, and any numbers, ranges, factors, or projections published on LossReserves.com are educational content. They are not Statements of Actuarial Opinion, actuarial certifications, reserve analyses, rate indications, funding studies, or any other form of actuarial work product, and have not been prepared in the capacity of an engaged or appointed actuary for any reader, organization, regulator, or auditor.

No reserving decision should be based on this site. Loss reserving depends on an organization's own claims data, exposure base, program structure, retentions, and operating history, which general educational material cannot account for. Our content is not professional actuarial, accounting, legal, financial, tax, or investment advice. If you need a reserve estimate or an actuarial opinion, engage a qualified, credentialed actuary directly under a written scope of work with access to your own data. We make no guarantees regarding the completeness, accuracy, currency, or fitness for any purpose of any content.

Intellectual Property

Original content published on LossReserves.com, including articles, methodology explainers, analysis, and editorial commentary, is the property of Coastal Dune Labs LLC. You may share links to our content and quote brief excerpts with attribution. You may not reproduce, republish, redistribute, or create derivative works from full articles without our prior written permission.

Third-party material referenced on this site, including textbooks, actuarial standards, regulatory documents, research papers, and news articles, belongs to its respective owners. Such material is cited for commentary, education, and analysis under fair use. Page references to published works are provided for reader verification and do not reproduce the underlying text.

We offer an email newsletter. By subscribing, you consent to receiving periodic email communications from us. Subscriptions are captured through Netlify Forms, our form-handling service. You may unsubscribe at any time using the link included in every newsletter email. We do not sell or rent subscriber information. See our Privacy Policy for more detail.

User Conduct

You agree not to use this site for any unlawful, harmful, or disruptive activity. You agree not to scrape, crawl, or reproduce site content in bulk without our permission. Automated access, including access for AI training purposes, is governed by our robots.txt file.

Third-Party Links

Our content links to external sources, including regulatory bodies, professional organizations, publishers, and news outlets. We are not responsible for the content, accuracy, or privacy practices of external websites.

Limitation of Liability

To the fullest extent permitted by law, Coastal Dune Labs LLC shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of this site or your reliance on its content. This site is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied.

Modifications

These Terms of Service were last updated in May 2026. We reserve the right to update them at any time. Continued use of the site after changes constitutes acceptance of the updated terms.

Governing Law

These Terms of Service are governed by the laws of the State of Florida, without regard to its conflict-of-law provisions. Any disputes arising from these terms shall be resolved in the state or federal courts located in the State of Florida.

Contact

Questions about these Terms of Service can be submitted through our contact page.