TERMS & CONDITIONS - COURSE TUITION: Courses fee in the amount of $20.00 for 4 hours or $15.00 for 1 hour will be billed to the PARTICIPANT via email and must be paid for CE hours reported. - COURSE SCHEDULE:The course will be available to the PARTICIPANT 24 hours a day, 7 days a week. This availability may be affected by circumstances such as, but not limited to: system, site or connectivity failure over which TEXAS COSMO has no control. - HARDWARE AND SOFTWARE: There is no single answer for this, today. Use whichever browser works best on your computer. However, we recommend Firefox and/or Chrome in addition to having Internet Explorer or Safari. These browsers need to support Java and Javascript. The minimum hardware required is such that it should be able to support the software configuration listed above. The course requires the use of a pointing device such as a mouse. The course recommends that the hardware be equipped with speakers. - COMPLETION AND CERTIFICATION POLICY: The PARTICIPANT agrees to complete all phases of the approved curriculum in order to receive a certificate of completion. The COURSE PROVIDER will report the completion to TDLR for license renewal. A PARTICIPANT shall not qualify for a report of completion under any circumstances if the PARTICIPANT has not met all the requirements of taking courses. - CIRCUMVENTION WARNING: The PARTICIPANT agrees that HE/SHE, and not any other person, will study the material in its entirety. It is illegal to attempt to circumvent this online state-approved course or provide false information. If TEXAS COSMO discovers that the PARTICIPANT has willfully misrepresented himself or has cheated, the PARTICIPANT will be stopped from taking the course with no refund of the fees paid. In addition, the PARTICIPANT may be prosecuted for perjury and other criminal acts which are punishable by law. - CANCELLATION AND REFUND POLICIES: Texas Cosmo has START NOW PAY LATER policy to ensure you made the right choice. We REFUND in full when the course is discontinued by TEXAS COSMO, preventing a PARTICIPANT from completing the course, or the enrollment of the PARTICIPANT was procured as a result of any misrepresentation in advertising, promotional materials of the website. All refunds will be issued within 7 days following receipt of a permissible request for cancellation. However, we DO NOT issue refund to any PARTICIPANT who has not successfully completed the course within 60 days and that account will be terminated without notice. - REPRESENTATIONS AND WARRANTIES: the PARTICIPANT represents and warrants that the user information and registration information provided by PARTICIPANT is true and correct, and acknowledges that the truth and accuracy of such information is a material inducement to TEXAS COSMO in permitting PARTICIPANT to enroll in the course. PARTICIPANT further acknowledges and agrees that any willful or intentional misrepresentation by PARTICIPANT regarding such user information or registration information constitutes a breach of this agreement and of the representations and warranties by PARTICIPANT as provided in this agreement, and may subject PARTICIPANT to liability for damages incurred by TEXAS COSMO as a result thereof, including but not limited to general, consequential, and punitive damages. - LIMITATION OF LIABILITY: the PARTICIPANT acknowledges and agrees that the liability of TEXAS COSMO and their agents and employees for any act, omission to act, or negligence on the part of TEXAS COSMO and its agents and employees, is strictly limited to and shall not exceed the amount of the fee actually paid by the PARTICIPANT. - This agreement constitutes the entire contract between TEXAS COSMO and the PARTICIPANT, and any oral assurances or promises not contained herein shall not bind TEXAS COSMO or the PARTICIPANT. If any provision of this agreement is found by a court of competent jurisdiction to be unenforceable, the remaining terms and conditions shall nevertheless be of full force and effect. - PRIVACY POLICY: TEXAS COSMO is the sole owner of the information collected on its website. TEXAS COSMO collects personally identifiable information from our customers and potential affiliates at several different points on our website. We will deny requests for marketing or other information requests that could derive commercial or social benefits from such data. We will not use or sell this information to promote products or services unrelated to this continuing education course or in ways different from what is disclosed in this statement. Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with an appropriate law enforcement investigation, current judicial proceeding, a court order or legal process served on our website, or as required by law. - REGISTRATION: In order to use this website, a PARTICIPANT must first complete the registration form. During registration a PARTICIPANT is required to provide personal information (such as name, address, license number, email, and phone number). This information is used to communicate with the customer regarding the services on TEXAS COSMO site for which they have expressed interest. It is also required for the PARTICIPANT to provide unique identifiers in order for us to authenticate the customers taking our course and prevent fraudulent use. -PAYMENT: TEXAS COSMO request information from the PARTICIPANT though our electronic payment submission form. Here a PARTICIPANT must provide contact information (like name and billing address) and financial information (like credit card number, expiration date). This information is used for billing purposes. If we have trouble processing an order, this contact information is used to get in touch with the PARTICIPANT. - COOKIES: A cookie is a piece of data stored on the user's hard drive containing information about the user. For instance, by setting a cookie on our site, the user would not have to log in his or her license, thereby saving time while on our site. In addition to our own cookies, some third party cookies may be set. These cookies are for marketing and statistical analysis only, these third party data cookies do not contain any personal information. If a user rejects any cookie, they may still use our site. This will not limit the user from any portion of the site. For this purpose our persistent cookies are tied to personal information, but do not contain or expose your personal information to others. We accumulate and report anonymous, aggregate, statistical information on our website usage to a third party vendor for website usage analysis, but this does not contain any personally identifiable information about you. - SECURITY: TEXAS COSMO takes every precaution to protect our customer's information. When customers submit sensitive information via the website, the information is secured both online and off-line.That information is encrypted and is secured using industry leading encryption software. - SPECIAL NOTIFICATIONS: TEXAS COSMO courses are designed to generate email notifications at certain intervals throughout the course. These emails are exclusively related to the products and services offered through www.texascosmo.net. - CORRECTING/UPDATING PERSONAL INFORMATION: If a customer's personally identifiable information changes (such as your zip code), we provide a way to correct or update that customer's personal data provided to us. This can be done on the "Your Name" page within the course, or by "email us". - NOTIFICATION of CHANGES: If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected. If, however, we are going to use users' personally identifiable information in a manner different from that stated at the time of collection we will notify users via email or by posting a notice on our website for 30 days. - Privacy Policy effective Aug 5, 2023.