Terms of service

Overview and Acceptance of Terms

Welcome to InsuranceTrainingHQ.com (the "Site"), operated by The Training Department, LLC, doing business as Insurance Training HQ. These Terms of Service ("Terms") govern your access to and use of the Site and all educational content, courses, webinars, and services provided by the Company (collectively, the "Services"). By accessing, registering for an account, or using our Services in any way, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree with any part of these Terms, you must refrain from using our Site or Services.

Modification of Terms: We reserve the right to modify, suspend, or discontinue any part of the Services (including course content, webinars, or pricing) at any time, with or without notice. While we strive to maintain uninterrupted access, availability of certain features may vary or change. If a modification materially reduces your access to a paid feature, we may offer a credit, substitution, or partial refund at our sole discretion. Changes are effective immediately upon posting to the Site, and the "Last Updated" date will be revised accordingly. It is your responsibility to review the Terms periodically. Your continued use of the Services after any changes constitutes acceptance of the updated Terms.

We may also need to make changes based on compliance requirements, third-party platform updates (e.g., Stripe, Squarespace, or LMS provider policies), or changes in legal obligations. These adjustments are made to ensure continued lawful operation of the Services and may take effect without individual user consent, though we will make reasonable efforts to notify affected users when feasible.

You are also responsible for any data retention or compliance obligations required by law related to your own business practices. While we retain certain records for legal purposes, it is your responsibility to ensure compliance with any federal, state, or industry-specific regulations that apply to your recordkeeping as an insurance professional.

Account Registration and User Data

Account Creation: To access our courses, webinars, and resources, you must create an account, which can be a free trial account or a paid subscription account. When registering, you agree to provide truthful, accurate, and complete information about yourself, including your name, valid email address, and any other information required (such as insurance license details). You must keep your account information up-to-date at all times. Accounts are for individual, single-user use only; you may not create an account on behalf of someone else or transfer your account to another person.

Account Security: You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

Sharing login credentials is strictly prohibited – each user must maintain their own account. If you suspect any unauthorized use of your account or a security breach, you must notify us immediately. We are not liable for any loss or damage arising from your failure to secure your account.

Third-Party Platforms: Our content is delivered through multiple platforms. By creating an account on our Site, you may also need to create or use accounts on third-party services that we utilize, such as:

• Squarespace: (Our primary website platform, for site content and account management)

• TalentLMS: (Learning Management System for hosting courses and modules)

• Zoom: (Video conferencing platform for live webinars)

Use of these third-party services may be subject to their own terms of service and privacy policies. We do not control third-party platforms and are not responsible for their content or actions. Your use of those services is at your own risk and is subject to the terms and policies of the respective providers. We simply facilitate access to our materials through those platforms.

Third-Party Services and Disruptions: We rely on certain third-party platforms to deliver our Services (including Squarespace, Stripe, TalentLMS, and Zoom). We are not responsible for outages, service limitations, or errors caused by these third parties. While we will make reasonable efforts to resolve disruptions, we cannot guarantee uninterrupted access or functionality due to issues beyond our control.

Data Collection and Privacy: By registering and using the Services, you consent to the collection and use of certain personal information. The Company may collect data including (but not limited to) your name, email address, contact information, payment details (handled via our payment processor), and your insurance license number/state for our records. This data is used for providing the Services, managing your subscription (e.g., billing and access control), communication (e.g., sending updates or announcements), and verifying your professional credentials. We implement security measures to protect your personal data and comply with applicable privacy laws. or more details on how we handle personal information, please review our Privacy Policy (incorporated herein by reference).

Account Management: You can review and update your personal information by logging into your account or contacting support (admin@insurancetraininghq.com). If your information changes (for example, you get married/divorced and your name changes or email address changes), you should promptly update your account data. You have the right to request access to or deletion of your personal data and to close your account at any time. Upon your request, we will deactivate or delete your account and personal data, except for information we are required or permitted to retain by law or for legitimate business purposes. Please note: Even after you delete your account, we may retain certain information as necessary to comply with legal obligations, resolve disputes, enforce our agreements, or other legitimate interests. For example, we may keep records of transactions or communications for financial reporting, tax compliance, or fraud prevention. Any retained data will remain subject to the protections of our Privacy Policy and applicable law.

Account Termination by Company: We reserve the right to suspend or terminate your account at our sole discretion if you violate these Terms or engage in any improper or unlawful activities. This may occur with or without prior notice to you. If your account is terminated due to a violation of the Terms or misconduct, you will not be entitled to any refund of fees already paid, and we may bar you from re-registering or using the Services in the future.

Accessibility

We are committed to making our Services accessible to users of all abilities. Our site is designed to follow current accessibility standards (such as WCAG 2.1). If you experience barriers when using the platform, please contact us at admin@insurancetraininghq.com so we can assist you or provide accommodations.

Electronic Communications

By creating an account or subscribing to our Services, you agree to receive communications from us electronically. This includes legal notices, updates to our Terms, subscription changes, and important account notifications, which will be sent to the email address associated with your account.

By using our Services, you agree that we may send you transactional emails, account notifications, policy updates, and other administrative communications, even if you have opted out of marketing emails. These are necessary to ensure proper functioning of your account and compliance with federal or state regulations (e.g., updates to Terms, security alerts, legal changes).

Eligibility and Service Overview

The Services are intended solely for individuals who are at least 18 years of age. By using the Services, you represent and warrant that you are at least 18.

We do not knowingly collect personal information from children under 18. If we learn that a user is under the age of 18, we will terminate the account and delete any associated information.

Service Overview: InsuranceTrainingHQ.com is an online platform offering subscription-based training for Medicare insurance professionals. We provide e-learning courses, live webinars, downloadable resources, and related educational content to help agents and agency leaders excel in the Medicare insurance field. Our Services are tailored for U.S. insurance agents, brokers, or those seeking to become licensed in Medicare insurance.

Eligibility Requirements: By registering or using our Services, you represent and warrant that you meet the following eligibility criteria:

• Age: You are at least 18 years old (or the age of legal majority in your jurisdiction) and are legally capable of entering into binding agreements. Our Services are not intended for minors.

• Residency: You reside in the United States and will only use the Services within the U.S. The Site and content are intended for U.S. users; if you access the Services from outside the United States, you acknowledge that you do so on your own initiative and are responsible for compliance with any local laws. The Company may restrict or terminate accounts that are registered from outside the U.S., as the Services are designed for U.S. Medicare insurance education.

• Professional Capacity: You are a licensed insurance professional or an individual pursuing education in the insurance/Medicare field. The Services are intended for users in the insurance industry (especially Medicare sales and consulting). By signing up, you may be required to provide your valid insurance license information (e.g., state and license number) as part of verification.

We reserve the right to refuse service, cancel accounts, or revoke access to the Services if we determine that any eligibility requirements are not met or if you violate any of these Terms.

Subscription Plans, Billing, and Cancellation

Our Services are offered on a subscription basis. By subscribing to our paid plans, you agree to the following terms regarding fees, billing, renewal, and cancellation:

• Free Trial (14-Day Preview): We offer a one-time free trial period of 14 days for new users to explore our platform. During this free 14-day preview, you will have limited access to select courses, webinars, and resources at no charge. No credit card is required to begin the 14-day free trial, and you will not be billed during the trial. The free trial is intended for evaluation purposes; each user or organization is entitled to only one free trial. We reserve the right to refuse or terminate a trial if we detect abuse (such as creating multiple trial accounts). After the 14-day period, your free access will expire. At that point, to continue using the Services, you will need to upgrade to a paid subscription (referred to as "Core Membership"). We do not automatically convert your trial into a paid subscription since no payment method is collected for the free trial; you must actively choose a paid plan to continue after the trial.

• Subscription Plans and Pricing: We offer a Core Membership subscription with two billing options:

  • Monthly Plan: USD $80.00 per month (billed monthly) for full access.

  • Annual Plan: USD $880.00 per year (billed annually) for full access. (This annual rate provides a discounted price equivalent to 11 months of the monthly plan.)

  Subscription fees are due in advance. When you subscribe, the applicable fee for the initial term (monthly or yearly, depending on your choice) will be charged to your provided payment method. All prices are listed in U.S. dollars and do not include any applicable taxes; if any taxes are applicable, they may be added at checkout in accordance with law. We reserve the right to adjust pricing for our subscriptions; however, no price change will affect your active subscription period that you have already paid for. If we change our subscription fees, we will provide notice to you (for example, by email or by posting on the Site) in advance, and new rates will apply only upon the next renewal of your subscription.

• Payment Processing: Paid subscription payments are processed securely through Stripe, our third-party payment processor. You must provide a valid payment method (such as a credit or debit card) when signing up for a paid subscription. By entering your payment information, you represent and warrant that you are authorized to use the payment method and you authorize our payment processor to charge the subscription fees to that method. All billing information is handled by Stripe in accordance with their security and data privacy standards. We do not store full credit card numbers on our servers. Payment processing is subject to the Stripe Services Agreement; by subscribing, you agree to abide by Stripe’s terms as well.

• Automatic Renewal: All paid subscriptions will automatically renew at the end of each billing cycle (monthly subscriptions will renew each month; annual subscriptions will renew each year) unless you cancel your subscription before the next billing date. This means that at the end of your subscription term, Stripe will automatically charge your on-file payment method for the next term’s fee to avoid interruption of service. For example, if you subscribe on January 1 for a monthly plan, your subscription will renew and be charged again on February 1. Annual subscriptions will renew one year after the initial payment date. Auto-renewal is enabled by default. You can manage or disable auto-renewal from your account settings or by contacting us at admin@insurancetraininghq.com. If you do not wish to renew, you must cancel the subscription before the renewal date to avoid being charged for the next period.

• Cancellation Policy: You may cancel your subscription at any time to stop future billing. However, how cancellation works depends on who initiates it:

  • If you cancel through your user account: You will retain access to your paid content until the end of your current billing cycle. Your subscription will not renew, and your access will automatically downgrade to the free tier at the end of the term. This is the recommended method to cancel without losing access immediately.

  • If you request that we cancel your account on your behalf: Your subscription will be terminated immediately, and access to paid content will be revoked at that time. We are unable to delay or defer cancellations initiated by an admin due to how Squarespace handles subscription access.

We recommend that you cancel through your own account dashboard to preserve access through the remainder of your paid term.

Once cancellation is effective, no further charges will occur unless you re-subscribe. We do not provide prorated refunds for mid-cycle cancellations outside our refund window (see below), and we are not responsible for charges incurred due to late or missed cancellations.

• Refund Policy: We offer a 14-day satisfaction guarantee on your first paid subscription. If you're not satisfied and contact us within 14 days of your first charge (after any free trial), we’ll cancel your subscription and issue a full refund.

  • This refund applies only to your first paid billing cycle (monthly or annual).

  • No refunds are issued after the 14-day window has passed.

  • Renewal charges are non-refundable, so please cancel before your next billing date if you do not wish to continue.

Refunds are issued to the original payment method. Please allow a reasonable amount of time for processing. To request a refund, contact us at admin@insurancetraininghq.com with your name, account email, and reason for the request.

Summary of Refund Terms: If you cancel within your initial 14 days of becoming a paid subscriber, you can receive a refund. After 14 days of the initial payment, no refunds are given for any reason except as required by law (e.g., certain consumer protection laws that may mandate refunds in specific cases).

• Failed Payments: If a subscription renewal charge fails (for instance, due to an expired or declined card), we will attempt to notify you (e.g., via email) and may retry the payment. If payment is not completed within a short grace period, we may suspend your access to paid content until you update your billing information and the charge is successfully processed. Please ensure your payment information is up to date to avoid service interruption. We are not responsible for fees that your bank or card provider may charge you due to failed or repeated attempts.

By subscribing to our Services, you agree to pay the fees and charges applicable to your chosen plan, and to comply with this billing and cancellation policy. All sales and subscriptions are final except as expressly provided in these Terms.

Permissible Use of Services and Prohibited Conduct

We value the trust and integrity of our learning community. When you use our Site and Services, you agree to do so only for lawful purposes and in compliance with these Terms. You further agree to the following guidelines for acceptable use and acknowledge that certain activities are strictly prohibited:

Permitted Use: The content provided through InsuranceTrainingHQ.com (including videos, written materials, webinars, and downloads) is for your personal professional development and educational use only. As a subscriber, you are granted a limited, non-transferable, non-exclusive license to access and use the materials for your own learning. You may download or print resources we provide for your personal use and reference only. All rights not expressly granted to you are reserved by the Company.

Prohibited Activities: You may not engage in any of the following when using our Site or Services:

• Account Sharing: Do not share your account or login credentials with others. Each subscription is single-user only and should not be used by or on behalf of anyone other than you, the registered user. You are prohibited from allowing multiple people to access the Services through a single account or from sharing content with non-subscribers. The Company reserves the right to terminate or suspend accounts that are being shared among multiple individuals.

• Unauthorized Copying or Distribution: You must not reproduce, duplicate, copy, sell, trade, resell, or exploit any portion of the Services or content provided, without our express prior written permission. This means you cannot copy or distribute course materials, videos, PDFs, slides, or any proprietary content to anyone who is not authorized to receive it. Posting our content on public forums, websites, or sharing it in any form (digital or physical) with others is strictly forbidden. You also may not create derivative works based on our content or remove any copyright or proprietary notices from materials.

• Webinar Conduct and Recording: Our live webinars (often conducted via Zoom) are meant for the registered participants only (typically our subscribers). Do not invite or allow unregistered/unauthorized persons to join webinars using your credentials. You are also not allowed to record, screenshot, or rebroadcast our webinars or virtual events without permission. Webinar sessions and related materials are for your personal use only and are protected by our intellectual property rights. You may not copy, record, or distribute webinar content to third parties in any form. We may, at our discretion, provide recordings of webinars to members after the session; those recordings are also for your personal review and remain subject to these no-sharing restrictions. Any attempt to publicly post or share our webinar content without authorization is a serious violation of these Terms and may result in legal action.

• No Reverse Engineering or Hacking: You must not attempt to gain unauthorized access to any part of our Site, servers, or systems. This includes no hacking, penetration testing, or circumventing access controls on our platform or the third-party platforms we use. Any attempt to probe, scan, or test the vulnerability of our websites or to breach security or authentication measures is prohibited.

• No Malicious Code: You may not upload, transmit, or introduce any malware, virus, Trojan horse, worm, logic bomb, or other malicious or technologically harmful material into our Site or through our Services. Similarly, you should not do anything that imposes an unreasonable load on our infrastructure or that of our third-party providers.

• No Unlawful or Infringing Content: You must not use our Services to post or transmit any content that is unlawful, defamatory, harassing, obscene, pornographic, or otherwise objectionable or that infringes upon any party’s intellectual property or other rights. While our platform is primarily one-directional (we provide content to you), if there are any forums, chat features, or Q&A segments, you agree to engage civilly and lawfully. Do not share anyone else’s personal information without permission, and do not engage in spamming, phishing, or other fraudulent activities.

• No Misrepresentation or Unapproved Use: You may not use our Site or content in a way that suggests any unauthorized association with the Company or our instructors. This means you cannot hold yourself out as our agent or partner without consent, and you cannot use our logos, trademarks, or names without permission (see Intellectual Property section below). Also, you cannot frame or mirror our website, or falsely imply that another website is associated with our Service.

• Single Use License: All subscriptions are meant for one individual. You agree not to use any automated system (such as bots or scripts) to access the Services, and not to circumvent any usage limits (for example, if certain content is limited to subscribers, you will not try to access it by other means or share it externally).

Enforcement: Violation of any of the above rules constitutes a breach of these Terms and may result in immediate termination or suspension of your account without refund, and/or legal action where appropriate. We reserve the right to investigate any alleged misuse of our Services and to take appropriate action. This may include disabling your account, blocking access to the Site (possibly by blocking your IP or other identifiers), and cooperating with law enforcement or other authorities if your actions are unlawful.

We also reserve the right to remove or disable access to any content or resource at our discretion if we believe these Terms have been violated or if necessary to comply with law.

Intellectual Property Rights

All content and materials provided through our Services are the intellectual property of The Training Department, LLC or its content licensors, unless otherwise indicated. This includes, but is not limited to: text, images, graphics, videos, audio recordings, course curricula, slide decks, PDF handouts, quizzes, software, logos, trademarks, and the overall design/“look and feel” of the Site and courses. These materials are protected by copyright, trademark, and other intellectual property laws.

Our Ownership: The Company (and its licensors) retain all rights, title, and interest in and to the Services and all content therein. Your use of the Services does not grant you ownership of any intellectual property rights in our content or brand. Insurance Training HQ, The Training Department, LLC, our logos, and any brand slogans are trademarks/service marks of the Company. You may not use our name or logos in any advertising or publicity without our prior written consent.

Limited License to You: Subject to your compliance with these Terms and your payment of any applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the content for which you have subscribed, for your personal, non-commercial educational purposes only. This license is granted solely to allow you to participate in our training and for no other purpose. You may not share, sublicense, or resell this license to anyone else.

Restrictions: Except as expressly permitted by us in writing, you agree not to:

• Copy, reproduce, record, screenshot, capture, modify, or create derivative works of the content (in whole or part);

• Distribute, publish, display, perform, transmit, stream, or broadcast the content to third parties;

• Rent, lease, loan, sell or commercially exploit the content or access to the content (you cannot, for example, charge others to view our materials, or include our content in a seminar you are conducting);

• Remove, obscure, or alter any copyright, watermark, or other proprietary notices on any content you access;

• Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text or context provided by us.

Your Content: Generally, our Services do not involve you providing a lot of content to us (as we are a training provider rather than a social platform). However, to the extent you submit questions, feedback, or any content (for example, posting in a community forum or sending testimonials), you grant us a worldwide, royalty-free, perpetual license to use, reproduce, and display that content as needed to operate the Service or for promotional purposes. You represent that any such content you submit is your own or you have permission to share it, and that it does not violate the rights of any third party.

Feedback: If you provide us with feedback or suggestions about the Services, we may use that feedback without obligation to you, and you hereby grant us a perpetual, royalty-free, worldwide license to incorporate and use your feedback for any purpose.

Third-Party Content: Occasionally, our courses or webinars may incorporate third-party materials (for example, references to Medicare publications, law excerpts, or guest speaker content). All such third-party content is the property of its respective owners and may be subject to separate licenses or terms. Use of third-party materials may be under "fair use" for educational purposes or with permission. You must not remove or alter attributions to third-party sources. These Terms do not grant you any rights to third-party trademarks or copyrighted material that is not owned by us.

Intellectual Property Violations: We respect intellectual property rights and expect our users to do the same. If you believe that any content on our Site infringes your copyright or other IP rights, please notify us with detailed information so we can investigate and address it. Likewise, if we find that you have infringed our or anyone’s intellectual property through your use of the Services (for instance, by illegally sharing our copyrighted content), we may terminate your access and pursue any available legal remedies.

Webinar Participation and Recordings

The Company conducts live webinars and virtual training sessions as part of the Services. Your participation in these webinars is subject to the following additional terms:

Access: Webinar access is provided only to registered users (free trial users may have access to a limited number of webinars, and full subscribers have access to all applicable webinars). Do not share webinar invites, links, or passwords with non-authorized individuals. Each webinar registration is tied to your user account, and the session is intended for the registrant’s viewing only. We reserve the right to verify attendees and deny access to unregistered participants.

Behavior: Participants in webinars are expected to behave professionally and courteously. You must not engage in disruptive behavior, harassment of presenters or other attendees, or use the webinar forum for unauthorized advertising or self-promotion. We may mute, remove, or ban participants who violate these rules during a live session.

Recording and Materials: The content of the webinars, including slides, spoken presentation, and any supplementary materials provided, is the property of the Company (or the presenter, as applicable) and is protected as outlined in the Intellectual Property section above. You are not permitted to record (audio or video) the webinar or take screenshots of the presentation without prior written consent from the Company. We often record our webinars internally. We may choose to share the official recording with subscribers afterward (for example, by posting it in the course library). If we provide a recording or recap, it is for your personal review and remains subject to the same restrictions — you may not share or publish it.

Use of Webinar Content: Any materials (such as slide decks, handouts, or follow-up emails with content) that we provide after a webinar are for your personal use only. As with all our content, you may not redistribute or publicly post these materials without permission. If guest speakers or third parties contribute to a webinar, their content may be under their own copyright, and you should not use it beyond the webinar context.

Consent to Recording: By participating in a live webinar, you acknowledge that the session may be recorded by the Company. We will typically notify attendees if a session is being recorded. If you speak up or ask questions during the webinar (via voice or text chat), you consent to the Company’s recording and potential use of that recording. We will not use recordings publicly in a way that identifies or features attendees without permission, except to provide the recording to other members or for internal use. That said, consider anything you share in a webinar as part of the session content which could be replayed to others with access.

No Reliance on Information: The webinar content is provided for informational and training purposes. We strive for accuracy and relevance, but the Company makes no guarantees that all information presented is completely up-to-date or applicable to your specific situation. Webinar discussions (especially Q&A segments) might include opinions or personal experiences of the presenters and do not constitute official guidance from any government agency. Always refer to official Medicare or regulatory sources for definitive information. We are not responsible for actions you take based on webinar content – see the Disclaimers section below.

By registering for or attending a webinar, you agree to these terms. Webinar schedules and topics are subject to change, and we do not guarantee a minimum number of webinars in a period. We are also not responsible for technical difficulties that may occur during a live session (e.g., connectivity issues).

Disclaimers

No Professional or Legal Advice: The educational content provided on our Site (including courses, webinars, articles, and resources) is for informational purposes to help you in your insurance career. While we endeavor to provide accurate and useful information about Medicare insurance sales and compliance, we are not a law firm, CMS, or government agency, and our content should not be taken as official legal, compliance, or regulatory advice. Always follow applicable laws, carrier guidelines, and your own company’s policies. When in doubt about compliance or regulations, consult authoritative sources or legal counsel.

Not Affiliated with Government: The Company and the Services are not affiliated with, endorsed by, or approved by the Centers for Medicare & Medicaid Services (CMS), Medicare, or any other government agency. We are an independent training provider. Any reference to Medicare or government programs is for educational context. You should not confuse our training with official government-sponsored training. No government entity has reviewed or approved our materials.

Results Not Guaranteed: Your success in selling insurance or passing examinations as a result of using our Services may vary and is influenced by many factors beyond our control (such as your effort, prior experience, market conditions, etc.). We do not guarantee that by taking our courses or attending our webinars you will achieve any particular outcome, such as increased sales, a certification, or compliance approval. All information is provided on an “as is” basis for learning purposes, and you are responsible for how you apply it in real-world scenarios.

"As Is" and "As Available": The Services and all content are provided “AS IS” and “AS AVAILABLE” without warranty of any kind. To the fullest extent permitted by law, the Company disclaims all warranties, express or implied, regarding the Services, content, and site, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and that the Services will meet your requirements or achieve any intended results. We do not warrant that the content is completely error-free or that access to the Site will be uninterrupted or secure.

You assume full responsibility and risk for your use of the Services. Any material downloaded or otherwise obtained through our Site is done at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data that results from use of our materials.

External Resources: Our Site or content may reference or link to third-party websites, articles, or resources for additional information (for example, a link to a CMS handbook or a news article). These links are provided for convenience and do not signify our endorsement of the third-party content. We have no control over the accuracy or availability of content on external sites. If you follow a link to an external website, understand you will be subject to that site’s terms and policies, not ours. We are not liable for content or practices of any third-party sites.

Instructor Opinions: From time to time, instructors or guest speakers may express opinions or anecdotal advice during a course or webinar. These views are their own and not necessarily those of the Company. We do not guarantee the factual accuracy of every statement made by non-Company contributors. Use your discretion and verify critical information against official sources.

No Fiduciary Relationship: Use of our Services does not create any fiduciary or client relationship between you and the Company. We are a training provider, not your consultant or attorney. You are responsible for your own business decisions and compliance obligations.

Disclaimers Summary: The use of our Services is at your own risk. We make no guarantees or warranties of any kind, express or implied, in relation to the completeness, accuracy, reliability, or suitability of our training. The Services are provided as an educational aid, not a substitute for your own professional judgment or due diligence.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such case, our warranties are limited to the minimum extent required by applicable law.

Limitation of Liability

Limitation of Liability: To the maximum extent permitted by law, in no event shall The Training Department, LLC (including its officers, directors, employees, instructors, affiliates, agents, or partners) be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of (or inability to use) the Services. This includes, without limitation, any loss of profits or revenue, loss of data, business interruption, reputational harm, or procurement of substitute services, even if we have been advised of the possibility of such damages. We will not be liable for any claim arising from: (a) errors, mistakes, or inaccuracies of content; (b) any unauthorized access to or use of our servers or of any personal or financial information stored therein; (c) any interruption or cessation of transmission to or from the Services; (d) any bugs, viruses, or harmful code that may be transmitted through the Site by any third party; or (e) any errors or omissions in any content or any loss or damage incurred as a result of the use of any content posted, emailed, or otherwise made available via the Services.

Liability Cap: In any event, our total aggregate liability for any claim arising out of or relating to these Terms or the Services shall not exceed the amount you have paid to us for the Services in the twelve (12) months immediately preceding the event giving rise to the claim. For example, if you have paid $80 for a one-month subscription, our maximum liability to you for any issue will be $80; if you paid an annual fee, our liability is capped at that annual fee. If you have not paid any amount (e.g., you are on a free trial or using a free service), our total liability shall not exceed US $50.

This limitation applies to all causes of action, whether in contract, warranty, tort (including negligence), or otherwise. You acknowledge that this limitation of liability is a fundamental part of the agreement between you and the Company, and that absent such limitation, the fees charged for the Services would be higher.

Exceptions: Some states or jurisdictions do not allow the exclusion or limitation of certain damages or liability. In such states, our liability will be limited to the greatest extent permitted by law. Nothing in these Terms is intended to exclude liability that we are not allowed to exclude under law (for example, certain statutory liabilities which may not be waivable).

You agree that any claim or cause of action arising out of your use of the Services or these Terms must be filed within one (1) year after such claim or cause of action arose, or else it will be permanently barred. This clause is not applicable where prohibited by law.

Governing Law and Dispute Resolution

These Terms and any dispute arising out of or relating to these Terms or the Services will be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of law principles. This means that if you were to take legal action, Texas law (the laws of the state in which our company is based) would apply, regardless of which state or country you live in.

Arbitration Agreement: You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services (including questions of arbitrability) shall be settled by binding arbitration on an individual basis, rather than in court. By agreeing to arbitration, you and we are each waiving the right to a jury trial or to have the dispute resolved in a public court by a judge. The only exceptions to this arbitration agreement are: (a) either party may bring an individual claim in small claims court if it qualifies; and (b) either party may seek injunctive relief in a court of law to prevent ongoing or threatened infringement of intellectual property or other proprietary rights.

Arbitration Procedures: The arbitration will be administered by a neutral arbitrator in accordance with the rules of the American Arbitration Association (AAA) for consumer disputes (or a similar reputable arbitration service agreed upon by both parties). The arbitration shall take place in Harris County, Texas (or another mutually agreed location). If you are an individual using the Services for personal purposes, and traveling to Texas would cause an undue burden, we may agree to conduct the arbitration via teleconference or written submissions. The arbitrator will have the power to decide any motion that would be available in court, including motions to dismiss and motions for summary judgment, and shall issue a reasoned written decision. The arbitrator’s award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Arbitration Fees and Law: Each party will be responsible for their own attorneys’ fees and costs in arbitration, except as the arbitrator may otherwise award under applicable law. The administration fees and arbitrator fees shall be split as per the applicable AAA rules, except that we will pay any fees required by law to make the arbitration agreement enforceable. The arbitrator shall apply Texas law to the merits of any dispute or claim, including recognized principles of equity, and honor claims of privilege recognized at law.

No Class Actions: You and the Company agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

You hereby waive any right to bring a lawsuit or arbitration as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding. If this class action waiver is found to be unenforceable, then the entirety of the arbitration agreement shall be null and void, and the dispute must be brought in court.

Opt-Out: You may choose to opt out of the arbitration agreement and class-action waiver by submitting a written notice within 30 days of first accepting these Terms. Your notice must include:

1. Your full name

2. The email address associated with your account

3. Your mailing address

4. A clear statement that you wish to opt out of the arbitration and class-action waiver provisions.

If you opt out successfully, you will not be bound by the arbitration or class-action waiver terms; however, all other provisions of these Terms will remain in effect. This opt-out will not affect any prior arbitration agreements you may have entered into with us.

The Company reserves the right to reject an opt-out request in its sole discretion. In such cases, we will notify you via email and issue a full refund of your most recent subscription payment. Your account will then be deactivated, and your access to the Services will be terminated.

Venue for Litigation: In the unlikely event that a dispute is found not subject to arbitration (either because you opted out or because a court finds the arbitration agreement unenforceable), you and the Company agree that such dispute shall be resolved exclusively in the state or federal courts located in Harris County, Texas. Both parties consent to venue and personal jurisdiction in Houston, Texas for any litigation and waive any objections on the grounds of inconvenient forum.

Acknowledgment: YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THIS SECTION ON GOVERNING LAW AND DISPUTE RESOLUTION, AND YOU KNOWINGLY AGREE TO THE BINDING ARBITRATION AND CLASS ACTION WAIVER. By agreeing to these Terms, you are waiving the right to a trial by jury or to participate in a class action for any claims covered by this arbitration agreement.

Changes to Services and Termination

(Note: This section addresses the Company’s rights to modify the service or terminate the agreement with users outside of the user-triggered cancellation context.)

We are continually improving and updating our Services. Therefore, we reserve the right to modify, suspend, or discontinue any part of the Services (or the entirety of the Services) at any time, with or without notice. This could include adding or removing features, changing content, changing instructors, adjusting how the Site operates, or shutting down a course or webinar series. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuation of the Services. If you have prepaid and a discontinuation affects your access, we will address it in good faith (for example, by providing a prorated refund or alternative content) consistent with our obligations and any applicable law.

We may also terminate this agreement with you (meaning terminate your account and access) if we cease offering the Services to users generally. If we terminate or suspend Services through no fault of yours (not due to your breach), and you have a paid subscription, we will provide you a refund for the unused portion of your subscription fee, if any.

Aside from termination for misconduct (covered under Account Termination by Company above), either party may terminate this agreement at the end of a subscription term by choosing not to renew. The terms that by their nature should survive termination (such as intellectual property rights, disclaimers, limitation of liability, arbitration, and governing law clauses) will survive any termination or expiration of these Terms.

General Provisions

Entire Agreement: These Terms, together with our Privacy Policy and any other legal notices or guidelines posted on our Site, constitute the entire agreement between you and The Training Department, LLC regarding the use of our Services, and supersede any prior agreements (whether oral or written) between you and us with respect to the subject matter herein. Any additional or different terms in any purchase order or written communication from you are void, unless expressly agreed to in writing by an officer of The Training Department, LLC.

Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be enforced to the maximum extent permissible and the remaining provisions of these Terms will remain in full force and effect. The invalid provision will, at our discretion, be modified so as to be made enforceable in a manner that comes closest to the intention of the original provision.

No Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of the Company.

Assignment: You may not assign or transfer your rights or obligations under these Terms to any third party without our prior written consent. We may assign our rights and obligations to an affiliate or in connection with a merger, acquisition, reorganization, or sale of assets, or by operation of law or otherwise. These Terms will inure to the benefit of and bind the respective permitted successors and assigns of the parties.

Relationship: Nothing in these Terms shall be construed as creating any agency, partnership, joint venture, or other form of joint enterprise between us. You and the Company are independent contractors. You do not have any authority to bind the Company in any respect.

Headings: Section headings and summaries (italicized text at times) in these Terms are for convenience only and have no legal or contractual effect.

Notices: We may provide notices to you by email to the address associated with your account, by posting notices or alerts on the Site, or through any other reasonable means. You are responsible for ensuring that your contact information is current and accurate. Official notices to us must be sent to our contact address provided below.

Contact Information

If you have any questions, concerns, or comments about these Terms of Service or need to contact us for any reason, please reach out to us. We value open communication with our users.

The Training Department, LLC (DBA Insurance Training HQ - insurancetraininghq.com)

Mailing Address: Houston, Texas, USA (exact address available upon request)

Email: admin@insurancetraininghq.com (for general inquiries and legal notices)

Contact Form: You may also contact us through our web form on the Contact Us page.

We strive to respond to all inquiries within one business day. For any billing or account-specific issues, please include your full name and account email to help us assist you more efficiently.

Last Updated: November 4, 2025 (These Terms of Service supersede all previous terms or agreements for InsuranceTrainingHQ.com)

By using our Site and Services, you acknowledge that you have read, understood, and agree to these Terms of Service in their entirety. Thank you for being a part of Insurance Training HQ, and happy learning!