Terms & Conditions

The website at pass.hpgbrokerage.com(the “Site”) and the courses, lessons, question banks, practice tools, tutor, and related material available through it (together, the “Service”) are owned and operated by HPG Brokerage, LLC, a Texas limited liability company. These Terms govern all use of the Service unless you and HPG Brokerage, LLC have signed a separate written agreement covering it, in which case that agreement controls.

The Service is an independent, self-guided study tool offered for educational purposes to help individuals prepare for the Texas General Lines Property & Casualty insurance licensing examination. It is not legal, financial, tax, or other professional advice. It is not a substitute for the official examination content outline, statutes, rules, or candidate handbook published by the State of Texas or its testing vendor. Unless we state otherwise in writing, it is not a state-approved pre-licensing education course, and completing it does not satisfy any state education requirement. If you need professional or legal advice, consult a qualified professional.

We do not guarantee that you will pass any examination, obtain any license, achieve any particular score, or reach any other outcome. Results depend on many factors outside our control, including your own preparation and performance on exam day. Scores, percentages, readiness indicators, and similar figures shown inside the Service are internal study signals only — they are not predictions of, and do not correspond to, official scaled examination scores. Not passing an examination, or not completing the course, does not mean the Service was defective and does not entitle you to a refund or any other remedy.

To use the Service you must create an account and provide accurate, complete information, and keep it current. Access is verified by a one-time code sent to your email address, so you are responsible for keeping that email account secure and for everything that happens under your account. By creating an account you certify that you are the person named on it and that you personally will be the one using the Service. Do not share your account, sign-in codes, or access with anyone else. Notify us promptly at hello@hpgbrokerage.com if you believe your account has been used without your permission. You must be at least 18 years old to hold an account.

Access is sold as a one-time purchase that grants a single user access for sixty (60) days from the date of payment. Access does not automatically renew — you will not be charged again unless you choose to buy a new term. Renewing starts a new 60-day term from the date of renewal. All fees are stated and charged in U.S. dollars, and payment is due in full at the time of purchase. Payments are processed by our third-party payment processor; we do not receive or store your full card details. ALL SALES ARE FINAL AND ALL PAYMENTS ARE NON-REFUNDABLE. NO REFUNDS ARE OFFERED, in whole or in part, for any reason — including non-use, dissatisfaction, examination results, a change of plans, or expiration of the access term. You acknowledge that access is delivered digitally and available immediately on purchase, and you consent to that immediate delivery, which waives any right to cancel or withdraw. Access is personal to you and may not be transferred, resold, gifted, or assigned to anyone else.

We may offer promotional pricing or discount codes from time to time. Any discount must be applied at the time of purchase — we cannot apply it afterward or issue the difference as a credit or refund. Promotions are not stackable: only one code may be used per order. Each promotion may carry its own eligibility rules, redemption limit, and expiration date, and we may change or end any promotion at any time. Prices may change at any time, and a price change does not affect purchases already completed.

The Service is licensed to you, not sold. Subject to these Terms and your payment of all amounts due, HPG Brokerage, LLC grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own examination preparation during your access term. You may not: share your account or access with any other person; copy, reproduce, record, screenshot for distribution, translate, or create derivative works from any part of the Service; display or project it for group viewing; upload it to any library, learning management system, file-sharing service, or artificial-intelligence training set; scrape, crawl, or use automated tools to extract content; resell, sublicense, rent, or lend access; or attempt to circumvent payment, access controls, or security measures. All rights not expressly granted are reserved.

All content in the Service — including lessons, questions, answer explanations, flashcards, scenarios, the tip sheet, glossary, software, design, and layout — is the property of HPG Brokerage, LLC or its licensors and is protected by United States copyright and other intellectual property laws. The HPG Brokerage, LLC name, the HPG Brokerage logo, and related marks are our trademarks. Nothing in these Terms grants you any right to use them. Other names and marks referenced in the Service belong to their respective owners.

HPG Brokerage, LLC is independent. The Service is not affiliated with, sponsored by, endorsed by, or approved by the Texas Department of Insurance, Pearson VUE, ExamFX, Kaplan, or any other state agency, testing vendor, or education provider. Any such names appear only to identify the examination the Service helps you prepare for.

We work to keep our material aligned with the official examination content outline, but laws, rules, forms, and exam specifications change, and the Service may contain errors or omissions. Portions of the content are produced or assisted by software, including automated tutoring and grading features, which can produce incorrect or incomplete responses. You are responsible for verifying current requirements against official sources before relying on any statement in the Service. We may add, modify, suspend, or remove any part of the Service at any time. If we discontinue the Service entirely during your access term, we will give reasonable advance notice by email where practical.

You agree to use the Service lawfully and not to: interfere with or disrupt its operation or security; access it through automated means except as we permit; attempt to gain access to another user's account or to systems or data you are not authorized to reach; upload malicious code; harass our staff or other users; or submit content through the tutor or other input fields that is unlawful, abusive, or infringes anyone's rights. We may suspend or terminate accounts that violate these Terms, with no refund. For any text or other content you submit through the tutor or other input fields, you grant HPG Brokerage, LLC a worldwide, royalty-free, perpetual license to use, store, and process that content to operate, secure, and improve the Service, including to improve our study material and automated features. Do not submit anything you consider confidential.

To provide the Service we collect and store information you give us — such as your email address, name, and phone number — along with your study progress and results, stored and processed on systems in the United States. By using the Service you consent to that storage and processing. We use it to operate the Service, support your account, and improve the material. We use your email and phone number for account and service communication (such as sign-in codes and account notices); we will not send you marketing calls or text messages without your prior express consent, and you can opt out of any non-essential messages at any time. We do not sell your personal information; if we use analytics or advertising tools that may involve “sharing” information for cross-context advertising, our Privacy Policy explains that and how to opt out. Your study data is retained while your account is active and for a reasonable period afterward, and you may request deletion of your personal data by emailing hello@hpgbrokerage.com. Our Privacy Policy governs how we collect, use, share, retain, and protect your information, and is incorporated into these Terms by reference.

The Service relies on third-party providers for payment processing, email delivery, hosting, and certain software features, and it may contain links to third-party websites or materials. Those services and sites are operated by independent companies that we do not control. We are not responsible or liable for their performance, availability, accuracy, content, security, or practices, and your use of them is at your own risk and subject to their terms.

You agree to comply with all applicable federal, state, and local laws in your use of the Service, including the laws of the jurisdiction where you reside, and not to use or export the Service in violation of United States export laws or sanctions. You represent that you are not located in an embargoed country and are not on any United States government list of restricted or denied parties.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, HPG BROKERAGE, LLC DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF HARMFUL COMPONENTS. NO STATEMENT BY ANY EMPLOYEE OR REPRESENTATIVE CREATES A WARRANTY OR MODIFIES THIS SECTION. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HPG BROKERAGE, LLC AND ITS OWNERS, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST OPPORTUNITIES, LOST DATA, BUSINESS INTERRUPTION, EXAMINATION FEES, LICENSING DELAYS, OR LOST INCOME, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE — WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU ACTUALLY PAID US IN THE SIX (6) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM. THESE LIMITATIONS APPLY EVEN IF A LIMITED REMEDY IS FOUND NOT TO SERVE ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

You agree to indemnify, defend, and hold harmless HPG Brokerage, LLCand its owners, members, managers, officers, employees, agents, contractors, and licensors from and against any claims, demands, damages, losses, liabilities, and expenses (including reasonable attorney's fees) arising out of or related to your use of the Service, your violation of these Terms, your violation of any law or third-party right, or any action we take to protect our intellectual property or enforce these Terms.

We may suspend or terminate your account and access at any time, without notice, if we reasonably believe you have violated these Terms, if amounts owed to us are unpaid, or if required by law. On termination, your license ends immediately and you must stop using the Service; no refund is due, and any amounts you owe remain payable. Sections that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, and governing law — will survive.

We may update these Terms from time to time. The current version is always posted on this page with its effective date. For any material change, we will provide reasonable advance notice — by email to the address on your account and by posting the updated Terms here — and the change will take effect no earlier than fourteen (14) days after we post it. Changes apply prospectively only and do not affect rights or obligations that arose before the change took effect. If you do not agree to a change, stop using the Service before it takes effect; your continued use of the Service after the effective date means you accept the updated Terms.

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules. Except for a claim that qualifies for small-claims court (which either party may bring in a court of competent jurisdiction), you and HPG Brokerage, LLC agree that any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Texas, and you consent to personal jurisdiction and venue there. To the fullest extent permitted by law, each party waives any right to a jury trial.

These Terms are the entire agreement between you and HPG Brokerage, LLC regarding the Service and replace any prior understandings on that subject. They do not create any partnership, joint venture, franchise, agency, fiduciary, or employment relationship. You may not assign or transfer your rights or obligations without our prior written consent; we may assign ours freely. If any provision is held invalid or unenforceable, the rest remains in full effect. Our not enforcing a right is not a waiver of it. Neither party is responsible for delays or non-performance caused by events beyond its reasonable control. We may disclose account information where we reasonably believe it is necessary to comply with law, respond to legal process, or enforce these Terms.

Questions about these Terms: hello@hpgbrokerage.com · HPG Brokerage, LLC · pass.hpgbrokerage.com