1. Purpose and Compliance Statement

This Refund and Terms of Use Policy has been developed in accordance with the Texas Department of Insurance (TDI) Continuing Education Provider requirements. Its purpose is to ensure that all policies regarding course access, completion, and refunds are administered fairly, transparently, and consistently while maintaining compliance with applicable TDI regulations.

2. Refund Policy

2.1 Eligibility for Refund

Because Mosaic Continuing Education courses are delivered electronically and are accessible immediately upon purchase, refund eligibility is limited to ensure course integrity and regulatory compliance.

A full refund may be granted if all of the following conditions are met:

• The refund request is received within seven (7) calendar days of purchase.
• The participant has not accessed or started the course (including viewing lessons, downloading materials, or attempting a quiz).
• No certificate of completion has been issued.
• No continuing education credit has been reported to the Texas Department of Insurance (TDI) or any other licensing body.

Once any of these actions have occurred, the course is considered consumed and is non-refundable.

2.2 Refund Request Procedure

To request a refund, the participant must:

1. Submit a written request to support@mosaicce.net within seven (7) calendar days of purchase.
2. Include the participant’s full name, course title, purchase date, and reason for the request.
3. Submit the request from the email address associated with the registered student account.
4. Refund requests received after seven (7) days will not be processed unless an exception applies under Section 2.7.

2.3 Non-Refundable Circumstances

Refunds will not be issued under the following circumstances:

• The participant has accessed or begun any portion of the course.
• A certificate of completion has been downloaded or issued.
• Course credit has been reported to TDI or another state licensing authority.
• The refund request is made more than seven (7) calendar days after purchase.
• The course was purchased as part of a discounted package or promotional sale.
• The participant failed to meet stated technical or system requirements prior to purchase.

In these cases, all fees are considered non-refundable.

2.4 Technical or Access Issues

If a verified technical issue prevents course access or completion, Mosaic CE will provide technical support to resolve the issue promptly. If the issue cannot be resolved, the participant may be offered either a full refund or a course credit applicable toward future enrollment.

2.5 Course Cancellation by Provider

• All enrolled students will be notified immediately.
• Students may choose either a full refund or a credit transfer to another course of equal value.
• Refunds for cancelled courses are processed automatically within seven (7) to ten (10) business days.

2.6 Administrative Fee

A $10 administrative fee may be deducted from approved refunds to cover transaction and reporting costs. This fee is waived in cases involving duplicate purchases, verified system errors, or provider-initiated course cancellations.

2.7 Exceptions

Mosaic CE reserves the right to grant exceptions under the following verified circumstances:

• Duplicate or accidental purchases.
• Verified billing or system errors.
• Military deployment.
• Medical emergencies (with supporting documentation).

All exception requests are reviewed individually and approved at the discretion of Mosaic CE.

3. Terms of Use

3.1 Course Access

Enrollment provides individual, non-transferable access to the purchased course. Sharing login credentials or course materials with others is prohibited. Course access remains active for twelve (12) months from the purchase date unless otherwise specified. Mosaic CE may update course materials at any time to maintain compliance with TDI or NAIC standards.

3.2 Course Completion and CE Credit

Participants must complete all modules, quizzes, and the final examination with a minimum passing score of 70%. Mosaic CE reports course completions to the Texas Department of Insurance (TDI) within thirty (30) days of successful completion. It is the participant’s responsibility to ensure that all personal and license information provided during registration is accurate. Mosaic CE retains all course and completion records for a minimum of four (4) years in accordance with TDI regulations.

3.3 Certificates of Completion

Certificates are automatically generated upon successful course completion. Participants must retain a copy of their certificate for four (4) years for audit verification. Certificates may be verified by TDI during provider audits.

3.4 Code of Conduct

Participants are expected to adhere to professional and academic integrity standards. The following actions are prohibited:

• Providing false information or misrepresenting identity.
• Copying or distributing course materials without authorization.
• Sharing answers or engaging in dishonest practices during exams.
• Harassment or inappropriate communication with instructors or staff.

Violations of this policy may result in suspension, forfeiture of CE credit, and notification to TDI.

3.5 Technical Requirements (Expanded)

To ensure successful access, completion, and credit reporting through Mosaic Continuing Education’s online learning platform, participants must meet the following minimum technical standards:

Supported Web Browsers

• Google Chrome (latest version – most stable and recommended)
• Mozilla Firefox (latest version)
• Microsoft Edge (latest version, Chromium-based)
• Safari (for Mac users, version 13 or later)

Device Requirements

• Desktop or Laptop Computers (Windows, macOS, or Linux)
• Tablets (iOS or Android, with a minimum 10-inch display recommended)
• Mobile Phones (for reading only; quizzes and final exams must be completed on a full browser view for best results)

System and Connectivity Requirements

• Operating System: Windows 10+, macOS 10.14+, or equivalent
• Internet Connection: Stable broadband connection (minimum 5 Mbps download speed recommended)
• Screen Resolution: Minimum 1366×768 pixels
• JavaScript & Cookies: Must be enabled
• Pop-Up Blockers: Must be disabled for the MosaicCE.net domain to allow quiz submission, certificate download, and video playback
• PDF Reader: Required to view or download course materials and certificates (Adobe Acrobat Reader or similar)

Accessibility and Mobile Optimization
Mosaic CE is mobile-responsive and compliant with WCAG 2.1 accessibility standards, allowing participants with disabilities to navigate and complete coursework effectively using screen readers or adaptive input devices.

Technical Support
If any technical issues arise, participants should:

• Email support@mosaicce.net within 72 hours of experiencing the issue.
• Provide the course title, device type, and browser used for faster troubleshooting.

Mosaic CE will promptly investigate and resolve the issue. If unresolved, participants may be offered a full refund or course credit as outlined in Section 2.4 of this policy.

Note: Internet Explorer and Opera Mini are not supported, as they block modern LMS features required for quizzes, timers, and progress tracking.

3.6 Intellectual Property

All course materials, videos, assessments, and instructional content are the exclusive property of Mosaic Continuing Education and are protected by copyright law. Unauthorized reproduction, distribution, or sale of course materials is strictly prohibited.

3.7 Privacy and Data Protection

Mosaic CE collects and stores only the information necessary to verify participant identity, report CE credits, and maintain compliance with TDI record-keeping requirements. Personal data is never sold or shared with third parties. All records are securely retained for a minimum of four (4) years in compliance with state and federal privacy laws.

3.8 Policy Amendments

Mosaic CE reserves the right to modify this policy at any time to comply with new laws, regulations, or provider standards. Updated policies will be published on the Mosaic CE website. Continued participation constitutes acceptance of any revised terms.

3.9 Contact Information

For assistance or additional information regarding refunds, course access, or policy clarification:
📧 support@mosaicce.net

4. Acknowledgment

Enrollment in any Mosaic Continuing Education course signifies that the participant has read, understood, and agreed to this Refund & Terms of Use Policy in its entirety.