Terms of Use

Insurance School of Texas

Welcome to the Insurance School of Texas website (“ISOT,” “we,” “us,” or “our”). This Terms of Use Agreement (“User Agreement”), together with our Privacy Policy, governs your access to and use of the Insurance School of Texas website, services, and educational offerings.

By accessing, registering for, or using the Insurance School of Texas website or enrolling in any course, you acknowledge that you have read, understood, and agree to be bound by this User Agreement.

We reserve the right to modify these terms at any time. Any changes will be posted on this website. Continued use of the site following any changes constitutes acceptance of the updated terms.

Privacy Policy

Please review our Privacy Policy, which is incorporated into this User Agreement by reference and describes how Insurance School of Texas collects, uses, and protects personally identifiable information.

Copyright & Intellectual Property

All content, materials, recordings, textbooks, documents, videos, graphics, and software available on the Insurance School of Texas website (“Website Materials”) are owned by or licensed to Insurance School of Texas and are protected by copyright and intellectual property laws.

You may not copy, reproduce, distribute, modify, display, transmit, sell, or create derivative works from any Website Materials without prior written consent, except for limited personal, non-commercial use as expressly permitted.

Unauthorized use, sharing, recording, or distribution of course content is strictly prohibited.

Class Attendance, Rescheduling, Refund, & Access Policies

By enrolling in any course offered by Insurance School of Texas, you agree to the following:

1. Missed Class & Notice Requirement

If you are unable to attend your scheduled class, you must notify Insurance School of Texas at least twenty-four (24) hours prior to the scheduled start time of the first class session.

Notice provided the day of class, including the morning of class, does not meet this requirement.

2. Rescheduling Policy

Each student is permitted one (1) complimentary reschedule for the same course, provided that:

ISOT is notified no less than twenty-four (24) hours prior to the scheduled start time, and
The reschedule request is confirmed by ISOT staff

Failure to provide the required notice results in forfeiture of the reschedule option, and the student will not be eligible for a refund, credit, or transfer.

Any additional reschedule requests, if approved, are subject to a non-refundable $25 administrative fee per occurrence and are contingent upon class availability.

3. Refund Policy

All course registrations are non-refundable, except under the limited circumstances below:

Refunds may be considered only for:

A documented medical emergency or serious illness (physician’s note or hospital discharge paperwork required), or
Death of an immediate family member (death certificate, obituary, or funeral documentation required)

Documentation must be submitted within seven (7) calendar days of the missed class.

Refunds will not be issued for:

Personal scheduling conflicts
Transportation issues
Childcare or family obligations
Failure to provide required notice
Failure to attend or log in
Forgetting class dates or times

All refund decisions are made at the sole discretion of Insurance School of Texas and are final.

4. Chargebacks & Payment Disputes

Students agree to contact Insurance School of Texas directly regarding any billing concerns prior to initiating a chargeback or payment dispute.

Initiating a chargeback in violation of these terms may result in:

Immediate suspension or termination of course access
Permanent restriction from future enrollment

ISOT reserves the right to contest chargebacks using enrollment records, attendance logs, access history, and this User Agreement.

5. Class Recording Access Policy

For courses that include access to class recordings, students are granted access for ten (10) calendar days only following course completion.

Recording access automatically expires after ten (10) days
No extensions, renewals, or reactivations will be granted for any reason, including but not limited to:
- Forgetting to watch recordings
- Waiting until the last minute
- Personal scheduling conflicts
- Technical issues on the student’s end

Students are solely responsible for accessing recordings within the allotted timeframe. Failure to do so does not constitute grounds for a refund, credit, or extension.

On-Demand Course Access & Expiration Policy

For all On-Demand courses, including but not limited to Property & Casualty and Life & Health courses, access is granted for a strict period of ten (10) calendar days beginning on the date of purchase, not the date the student chooses to begin the course.

Key terms of On-Demand access include:

The ten (10) day access period automatically begins at the time of purchase
Access does not pause, reset, or extend if a student delays starting the course
Failure to log in, begin coursework, or complete the course within the access period does not extend access
Once the ten (10) day access period expires, all course access is permanently revoked

No refunds, extensions, credits, transfers, or exceptions will be granted for expired On-Demand access under any circumstances.

This policy is clearly disclosed:

On the product description page prior to purchase
During checkout via a required acknowledgment checkbox
In the student’s order confirmation email

By completing a purchase, the student affirms they have read, understood, and agreed to the On-Demand access terms and expiration timeline.

6. Digital Textbook Download Policy

All digital textbooks are subject to a strict three (3) download limit per order.

Once a textbook has been downloaded three (3) times, no additional downloads will be issued under any circumstances.

To access your textbook:

Visit insuranceschooloftexas.com
Click “My Account” and log in
Select “Downloads”

Students are personally responsible for locating and storing their downloaded files. Common locations include the Desktop and Downloads folders.

Claims of lost files, deleted files, new devices, or inability to locate a file do not warrant additional downloads. Three downloads means three downloads — no exceptions.

Media Release & Filming Policy

Insurance School of Texas may photograph or record instructors, course content, and classroom activity for educational and marketing purposes.

On Day 1 of class, students will be provided a Media Consent Form allowing them to indicate their preferences. ISOT will make reasonable efforts to honor those preferences; however, incidental appearances in wide or background shots may still occur.

Opting out does not prohibit ISOT from filming instructors or general classroom activity.

Code of Conduct & Dismissal Policy

Students are expected to conduct themselves professionally. Prohibited behavior includes, but is not limited to:

Disruptive or disrespectful behavior
Harassment or threats
Unauthorized recording
Being under the influence of drugs or alcohol
Endangering others

ISOT reserves the right to remove any student without refund or credit for violations of this policy. All dismissal decisions are final.

Licensure & Exam Disclaimer

Completion of an Insurance School of Texas course does not guarantee licensure, examination passage, or employment. Students are solely responsible for meeting all Texas Department of Insurance requirements.

Technology Responsibility

Students are responsible for ensuring they have appropriate devices, internet access, and technical capability to access ISOT’s materials. Technical issues on the student’s end do not warrant refunds, extensions, or exceptions.

Disclaimer & Limitation of Liability

All content is provided “AS IS” without warranties of any kind. Insurance School of Texas shall not be liable for any direct, indirect, incidental, or consequential damages arising from use of this website or its materials.

Governing Law

This User Agreement is governed by the laws of the State of Texas. Venue shall lie exclusively in the state or federal courts located in Montgomery County, Texas.

Termination

ISOT reserves the right to suspend access or terminate this agreement at any time for violations of these terms. Provisions regarding liability, governing law, and intellectual property survive termination.

Contact Us

Insurance School of Texas
450 North Sam Houston Parkway East, Ste 150
Houston, TX 77060
📞 (713) 589-9275
✉️ info@inschooltx.com

Disclaimer

The information, instruction, course materials, recordings, textbooks, and content provided by Insurance School of Texas (“ISOT”) are offered for educational and informational purposes only.

Completion of any course, class, or program does not guarantee:

Licensure or certification
Passage of any state or licensing examination
Employment, income, or career outcomes

Insurance School of Texas does not provide legal, financial, or regulatory advice. Students are solely responsible for understanding and complying with all requirements established by the Texas Department of Insurance or any other applicable licensing authority.

All content is provided on an “AS IS” and “AS AVAILABLE” basis. While ISOT makes reasonable efforts to ensure accuracy and quality, we make no representations or warranties regarding completeness, accuracy, timeliness, or fitness for any particular purpose.

ISOT is not responsible for:

Technical issues related to student devices, software, internet access, or connectivity
Inability to access materials due to user error or equipment limitations
Third-party services, websites, platforms, or tools linked or referenced through ISOT

To the fullest extent permitted by law, Insurance School of Texas disclaims all liability for any direct, indirect, incidental, consequential, or special damages arising out of or related to the use of the website, courses, or materials.

Your use of the ISOT website and enrollment in any course constitutes acceptance of this Disclaimer and the full Terms of Use.