Terms of Use • Insurance School of Texas

Welcome to the Insurance School of Texas website. This User Agreement, including our Privacy Policy, governs your use of the Insurance School of Texas site. Please read this User Agreement carefully, because by visiting or using the Insurance School of Texas website, you agree to follow its rules. From time to time we may modify these rules. We will notify you of any significant change by posting a notice on our home page and information collection forms. Your continued use of the Insurance School of Texas website after any modification indicates your agreement to the new rules.

Please review our Privacy Policy, which is part of this User Agreement and describes how Insurance School of Texas handles any personally identifying information collected from visitors to the Insurance School of Texas website.

Copyright on the Insurance School of Texas website and all materials therein included is owned by or licensed to Insurance School of Texas, and all rights are reserved. You must abide by all copyright notices and restrictions contained on the Insurance School of Texas website. You may not copy, distribute, enter into a database, display, perform, create derivative works of, transmit, or otherwise use any materials from the Insurance School of Texas website (including computer programs or other code) (“Website Materials”), except that you make a reasonable number of machine-readable copies of the Website Materials only if such copies are for personal, non-commercial use and only if you do not alter the text or remove any trademark, copyright, or other notice displayed on the Website Materials..

Class Attendance, Rescheduling, and Refund Terms

By enrolling in a course offered by Insurance School of Texas (ISOT), you agree to the following terms and conditions regarding attendance, rescheduling, and refunds:

1. Missed Class Policy

If you are unable to attend your scheduled class, you must notify ISOT prior to the start of the first class session. Advance notice is required to retain eligibility for rescheduling.

2. Rescheduling Policy

ISOT allows each student one (1) complimentary reschedule for the same course, provided that notice is given before missing the first class session.

Any additional reschedules are subject to a non-refundable administrative fee of $25.00 per occurrence.

Rescheduling is contingent upon class availability and must be completed within a timeframe deemed reasonable by ISOT.

Failure to provide prior notice may result in forfeiture of access and payment.

3. Refund Policy

All course registrations are non-refundable, except under limited circumstances outlined below.

Refunds will only be considered under the following conditions:

Medical emergency or serious illness (must provide a dated physician’s note or hospital discharge receipt)

Death of an immediate family member (must provide one of the following: death certificate, funeral brochure, or obituary notice)

To request a refund under these conditions, you must contact ISOT directly by phone at (713) 589-9275. Documentation must be submitted within seven (7) calendar days of the missed class for consideration.

Refunds will not be issued for the following:

Personal scheduling conflicts or transportation issues

Non-emergency family matters (e.g., assisting a friend, providing a ride, childcare challenges)

Failure to notify ISOT in advance of the absence

Refund decisions are made at the sole discretion of ISOT and are considered final.

4. How to Contact Us

To request a reschedule or submit a refund exception, please call our office directly at (713) 589-9275 during business hours. Requests made via email or social media are not guaranteed a timely response or resolution.

By registering for a course, you confirm that you have read, understood, and agreed to these terms.

Media Release & Filming Policy

Insurance School of Texas (ISOT) occasionally captures photo and video content during in-person classes for use on social media, marketing materials, and promotional campaigns.

By enrolling in any ISOT course, you acknowledge and agree to the following:

ISOT reserves the right to film and photograph instructors, course content, and the classroom environment.

These materials may be used for marketing purposes across platforms including but not limited to: Instagram, Facebook, TikTok, YouTube, and ISOT’s website.

Student Consent

On Day 1 of class, each student will be provided a Media Consent Form where they may choose one of the following:

✅ I do not mind being filmed or photographed.

✅ I do not mind being filmed or photographed, but do not include my face.

❌ I do not wish to be filmed or photographed in any capacity, including from behind.

ISOT will make reasonable efforts to honor all student preferences as indicated on the consent form. However, students acknowledge that in a live classroom setting, incidental appearances in wide shots or background content may still occur.

Important:

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

Students must communicate any concerns directly to ISOT staff on the first day of class for accommodations to be made.

By completing your registration, you confirm your understanding of and agreement to this Media Release & Filming Policy.

Code of Conduct & Dismissal Policy

To maintain a professional and respectful learning environment, all students enrolled in courses provided by Insurance School of Texas (ISOT) are expected to adhere to the following code of conduct. By enrolling, you agree to behave in a manner that is courteous, cooperative, and conducive to learning.

Prohibited Conduct Includes (but is not limited to):

Disruptive behavior that interferes with instruction or the learning of others

Disrespectful or inappropriate language directed at instructors, staff, or fellow students

Unauthorized audio or video recording of the class, instructor, or students

Harassment, threats, or any form of verbal or physical aggression

Endangering the safety of oneself or others in any capacity

Being under the influence of drugs or alcohol during class sessions

Enforcement and Removal

ISOT reserves the unilateral right to remove any student from a course, without refund or credit, if the student engages in any of the above behaviors or otherwise violates the standards of conduct expected in a professional learning environment.

Such removal may occur without prior warning if the behavior presents an immediate risk to safety, learning continuity, or the integrity of the class experience. All decisions regarding dismissal are made at the sole discretion of ISOT staff and instructors and are considered final.

Trademarks

Insurance School of Texas and any other trademarks on the Insurance School of Texas website are trademarks owned by Insurance School of Texas. You may not use the Insurance School of Texas Trademarks in connection with any product or service that does not belong to us, or in any manner that is likely to cause confusion among users about whether we are the source, sponsor, or endorser of the product or service, or in any manner that disparages or discredits us.

Links, Frames, and Meta Tags

This Insurance School of Texas website may contain links to other web sites. This User Agreement and the Privacy Policy do not apply to these other web sites. Be sure to read the user agreements and privacy policies that govern your use of these other web sites.

Disclaimer and Limitation of Liability

THIS WEB SITE AND THE INFORMATION, CONTENTS, GRAPHICS, DOCUMENTS AND OTHER ELEMENTS HEREIN INCLUDED (COLLECTIVELY THE “CONTENTS”) ARE PROVIDED ON AN “AS IS” BASIS WITH ALL FAULTS AND WITHOUT ANY WARRANTY OF ANY KIND. INSURANCE SCHOOL OF TEXAS HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE WEB SITE CONTENTS, INCLUDING WITHOUT LIMITATION, ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
EXCEPT AS MAY BE EXPRESSLY STATED ON THIS WEB SITE, NEITHER INSURANCE SCHOOL OF TEXAS NOR ANY OF ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES OR OTHER AUTHORIZED REPRESENTATIVES SHALL BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS SITE, OR THE INFORMATION OR CONTENTS AVAILABLE FROM THIS SITE. THIS IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL DAMAGES OF ANY KIND, INCLUDING (WITHOUT LIMITATION) COMPENSATORY, DIRECT, INDIRECT OR CONSEQUENTIAL DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY AND CLAIMS OF THIRD PARTIES.
THE CONTENTS OF THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE CONTENTS OF THIS SITE. INSURANCE SCHOOL OF TEXAS MAY MAKE IMPROVEMENTS, DELETIONS, CHANGES OR OTHER MODIFICATIONS TO THIS SITE, THE CONTENTS HEREOF, AND THE PRODUCTS AND SOFTWARE DESCRIBED HEREIN AT ANY TIME WITHOUT NOTICE.

Governing Law

This User Agreement will be governed by the laws of the State of Texas applicable to contracts made and performed there without regard to its conflicts of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts sitting in the State of Texas and Montgomery County and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

Termination

We reserve the right to suspend the Insurance School of Texas website or terminate this User Agreement at any time without notice for any reason, including, in the case of the User Agreement, for your violation of any of its provisions. The Disclaimer and Limitation of Liability and Governing Law sections of this User Agreement shall survive any such termination.

Proprietary Notices