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Terms And Conditions

Introduction

This site is controlled and operated by Texas Insurance Training Academy from its offices within the State of Texas, United States of America. Texas Insurance Training Academy makes no representation that materials in the site are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Texas Insurance Training Academy may change, move or delete portions of, or may add to, this web site from time to time.

This website uses cookies. By using this website and agreeing to these terms and conditions, you consent to our use of cookies in accordance with our Privacy Policy.

These terms and conditions govern your use of this website. By using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

Refund Policy

All refunds are subject to a 15% restocking fee. Refunds will not be given after 7 days from the course purchase date or if the online exam simulator has been accessed.

License to use website

Unless otherwise stated, Texas Insurance Training Academy and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • redistribute material from this website except for content specifically and expressly made available for redistribution.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Texas Insurance Training Academy's express written consent.

You must not use this website to transmit or send unsolicited commercial communications.

You must not use this website for any purposes related to marketing without Texas Insurance Training Academy's express written consent.

Restricted access

Access to certain areas of this website is restricted. Texas Insurance Training Academy reserves the right to restrict access to other areas of this website, or indeed this entire website, at Texas Insurance Training Academy's sole discretion.

If Texas Insurance Training Academy provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.

Texas Insurance Training Academy may disable your user ID and password in Texas Insurance Training Academy's sole discretion without notice or explanation.

User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

Should you on this web site respond to Texas Insurance Training Academy with information including feedback, such as questions, comments, suggestions, rating of products or the like regarding the site, or the content of any item, such information shall be deemed to be non-confidential and Texas Insurance Training Academy shall have no obligation of any kind with respect to such information. In addition, Texas Insurance Training Academy shall be free to reproduce, use, disclose, display, exhibit, transmit, perform, create derivative works, and distribute the information to others without limitation, and to authorize others to do the same. Further, Texas Insurance Training Academy shall be free to use any ideas, concepts, know-how or techniques contained in such information for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products and other items incorporating such information. This paragraph is not intended to apply to any personal information about you (such as name, mailing address and e-mail address), the use of which will be governed by the Texas Insurance Training Academy Privacy Policy.

In consideration of Texas Insurance Training Academy's continuing efforts to enhance and improve this site and to respond to feedback from users, you agree to transfer such ideas, concepts, know-how and techniques to Texas Insurance Training Academy without any compensation. You agree to execute any and all documents that Texas Insurance Training Academy may reasonably request in connection with confirming Texas Insurance Training Academy's ownership of and unlimited right to use such ideas, concepts, know-how and techniques.

You are solely responsible for the content of any comments you make. You agree that no comments or product ratings submitted by you to this web site will: (i) violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary rights; (ii) be or contain libelous or otherwise unlawful, abusive, or obscene material or constitute the misappropriation of the trade secrets of any third party; and (iii) disparage the products or services of any third party. You agree not to submit any personal information (other than your email address or user name) through email sent to other users or messages posted on this site by you.

Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or Texas Insurance Training Academy or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

Texas Insurance Training Academy reserves the right to edit or remove any material submitted to this website, or stored on Texas Insurance Training Academy's servers, or hosted or published upon this website.

No warranties

This website is provided “as is” without any representations or warranties, express or implied. Texas Insurance Training Academy makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Texas Insurance Training Academy does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.

Limitations of liability

Texas Insurance Training Academy will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Texas Insurance Training Academy has been expressly advised of the potential loss.

Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Texas Insurance Training Academy's liability in respect of any:

  • death or personal injury caused by Texas Insurance Training Academy's negligence;
  • fraud or fraudulent misrepresentation on the part of Texas Insurance Training Academy; or
  • matter which it would be illegal or unlawful for Texas Insurance Training Academy to exclude or limit, or to attempt or purport to exclude or limit, its liability.

Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Indemnity

You hereby indemnify Texas Insurance Training Academy and undertake to keep Texas Insurance Training Academy indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Texas Insurance Training Academy to a third party in settlement of a claim or dispute on the advice of Texas Insurance Training Academy's legal advisers) incurred or suffered by Texas Insurance Training Academy arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Breaches of these terms and conditions

Without prejudice to Texas Insurance Training Academy's other rights under these terms and conditions, if you breach these terms and conditions in any way, Texas Insurance Training Academy may take such action as Texas Insurance Training Academy deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

Variation

Texas Insurance Training Academy may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.

Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

These terms and conditions constitute the entire agreement between you and Texas Insurance Training Academy in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with State of Texas, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of the State of Texas, US.