By clicking below, you are enrolling in PreLicenseTraining.com's (the "Company," "we," "us" and "our") online insurance and securities educational and testing program (the "Program").

The Program includes certain educational materials, courses, instruction, classes and products (the "Materials") selected by the student (the "student", "you" or "your").

By clicking below, you hereby represent that you are at least 18 years old and agree to be bound by the following terms of use and the Company's Privacy Policy. Please review the Privacy Policy (link at bottom of website) to understand our privacy practices. If you do not wish to agree to be bound as provided by this agreement, then please exit the site now.

TERMS OF USE

PLEASE READ THESE TERMS OF USE CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS.

1. Payment - By providing your credit card information, you hereby authorize the Company to charge you the full price of the course that you have selected as indicated on the Company's purchase confirmation page.
2. Coursework - By agreeing to these terms, you agree that you will personally and honestly complete the coursework outlined by the Program and Materials and that you will allow no other party to be involved in the completion of such coursework.
3. Access Days - Access days start from the first time you access the purchased material (or 30 days after purchase, whichever is sooner) and are consecutive. Please refer each product's description to see how many access days are included with this purchase.
4. Record Keeping - It is the responsibility of the student to keep records of his/her courses completed for a period of not less than five (5) years.
5. Program and Materials - The Program and Materials are the property of PreLicenseTraining.com and its affiliated companies. The Program and Materials are provided for educational purposes only. The Program and Materials may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. The Company grants you a limited license to display the Program and Materials on your computer and use the Program and Materials solely for noncommercial purposes.
6. Refunds - Virtual Material - The Company will not offer any refunds after you have started to access purchased material from within your account. If you have not logged in and accessed purchased material, then you may request a full refund, less a $25 non-refundable processing fee by sending an email request to support@prelicensetraining.com. If, for any reason, you are not accepted as a student by the Company, then you will be entitled to a full refund. Requests for refunds must be received within twenty four (24) hours of enrollment. No refunds will be granted after twenty four (24) hours from the time of your enrollment, whether or not you have logged onto the site or accessed purchased product.
7. Refunds - Physical Material - The Company will not offer any refunds after the Hardcopy Book has shipped out to you. The Hardcopy Book is constantly being updated and the Company is unable to offer any returns or refunds. All Hardcopy Book sales are final.
8. Refunds - Personal Coaching - The Company will not offer any refunds after the Personal Coach has contacted you. If you have not been in contact (via email or phone) with the Personal Coach, then you may request a full refund, less a $25 non-refundable processing fee by sending an email request to support@prelicensetraining.com.
9. Non-Transferable Accounts - Each online course is specifically assigned to your account and social security number and therefore non-transferable. If you use this site, you are responsible for maintaining the confidentiality of your account and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account.
10. Indemnity - You agree to indemnify, defend, and hold harmless the Company, its affiliates, owners, officers, directors, employees, consultants, agents, and representatives from any and all third party claims, losses, liability, damages, and/or costs (including reasonable attorney fees and costs) arising from your access to or use of the site, your violation of these terms of use, or your infringement, or infringement by any other user of your account.
11. Disruption - The site may be temporarily unavailable from time to time for maintenance or other reasons. The Company is not responsible for any technical or network malfunctions.
12. Trademarks; No License - The Company's logo, trademarks and service marks are trademarks of Company (the "Company Marks"). Nothing contained on the site should be understood as granting you a license to use any of the Company Marks, or the marks of any third party. Without the Company's prior written permission, you agree not to display or use in any manner the Company Marks or the marks of any third party on this site.
13. NO WARRANTIES - THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES. COMPANY IS MAKING THE SITE AVAILABLE "AS IS" WITHOUT WARRANTY OF ANY KIND. YOU ASSUME THE RISK OF ANY AND ALL DAMAGE OR LOSS FROM USE OF, OR INABILITY TO USE, THE SITE OR THE MATERIALS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SITE AND THE MATERIALS, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE SITE OR THE MATERIALS WILL MEET YOUR REQUIREMENTS OR THAT THE OPERATION OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE COMPANY OR ANY EMPLOYEE OR REPRESENTATIVE OF THE COMPANY OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED IN THESE TERMS OF USE.
14. LIMITED LIABILITY - THE COMPANY'S LIABILITY TO YOU IS LIMITED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR LOST DATA, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR THE MATERIALS PROVIDED TO YOU BY COMPANY. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARISING OUT OF BREACH OF CONTRACT, TORT, OR ANY OTHER LEGAL THEORY OR FORM OF ACTION.
15. Governing Law and Venue - The terms of use shall be construed in accordance with and governed by the laws of the United States and the State of California, without reference to their rules regarding conflicts of law. You hereby irrevocably consent to the exclusive jurisdiction of the state or federal courts in Fresno County, California in all disputes arising out of or related to the use of the site, the Program or Materials.
16. Alleged Violations - The Company reserves the right to terminate your use of the site. To ensure that the Company provides a high quality experience for you and other users of the site, you agree that Company or its representatives may access your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third party rights, or other unauthorized uses of the Program, Materials or site. The Company does not intend to disclose the existence or occurrence of such an investigation unless required by law, but the Company reserves the right to terminate your account or your access to the site immediately, with or without notice to you, and without liability to you, if the Company believes that you have violated any of the terms of use.
17. Attorneys' Fees - In any litigation, arbitration or other proceeding arising out of these terms of use, the prevailing party shall be entitled to recover its reasonable attorneys' fees and costs to resolve the dispute and to enforce the final judgment.
18. Modifications - The Company may, in its sole discretion and without prior notice, (a) revise these terms of use; (b) modify the site, the Program and/or the Materials; and (c) discontinue the site, the Program and/or Materials at any time. The Company shall post any revision to these terms of use to the site, and the revision shall be effective immediately on such posting. You agree to review these terms of use and other online policies posted on the site periodically to be aware of any revisions. You agree that, by continuing to use or access the site following notice of any revision, you shall abide by any such revision.
19. Severability; Waiver - If, for whatever reason, a court of competent jurisdiction finds any term or condition in these terms of use to be unenforceable, all other terms and conditions will remain unaffected and in full force and effect. No waiver of any breach of any provision of these terms of use shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or any other provisions hereof, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving party.
20. Email Opt-In/Out List. All subscriber information is kept strictly confidential. We do not share our database with any third parties. We occasionally send our subscribers e-mail messages regard their account as well as messages with special offers, discounts and product offerings. If you prefer not to receive such communication, please update your email preference settings from within your account through your dashboard page. By accepting this enrollment agreement you give us permission to communicate with you via the email address you provided. To be clear, you are giving us permission to send emails to the email address on file with this account.
21. SMS TEXT MESSAGING COMMUNICATION. By sending PreLicenseTraining.com a text message via 1-800-780-2113, you agree to receive personalized text messages responses at the cell number used when signing up. At any time, you can Reply HELP for help and STOP to cancel. Msg frequency varies based upon customer usages. PreLicenseTraining.com does not send outbound text messages for marketing purposes and we do not store your mobile number. All our text messages are for replies only. Msg & data rates may apply based upon each users mobile contract with their cell plan provider.
22. Discount Codes. Discount codes not used during the initial registration will NOT be credited back after the fact. If you have a discount code, you must use it at time of signing up. NO EXCEPTIONS. Only ONE discount code can be used per order, you cannot combine discount codes.
23. Third Party Wholesaler - If applicable, you may be offered these products by a direct relationship with a Third Party Wholesaler. The Company is not responsible and cannot be held liable for any false information provided by Third Party Wholesaler. The Company is the authority on prices, descriptions and course material offered on this website. If you beleive you see any conflicting information between the Companies website and the Third Party Wholesaler website please contact support@prelicensetraining.com immediately. The Companies website refers to the domain "prelicensetraining.com". The Companies Third Party Wholesaler subdomain's websites are defined as "{Third Party Wholesaler Identifier}.prelicensetraining.com".
24. Subject to Changes - The company reserves the right to add, delete and/or change product offerings, prices, discounts, promotions as well as approved course hours for prelicensing and continuing education at any time without prior notice.