Hilda Tucker Insurance School
School Policies and Privacy Statement

School Policies -

Following are the policies that govern the administration of any and all courses offered by the Hilda Tucker Insurance School. Any written or oral representation by a registrar or instructor shall not supersede the policies listed below.

Tuition - Tuition is due in full prior to the beginning of any class. Tuition includes fees for the course and included materials. Tuition is non-refundable. Tuition is subject to change without notification.

Discounts or coupons – Discounts must be arranged in advance of class registration. Coupons must be entered online during the check out process.

Cancellation – Students who must reschedule a class, prior to the start date of class, must give the office at least 48 business hours notice.  Tuition is not refundable.   Students can either transfer to another offering date for the same course, receive a 6 month credit, or replace themselves in the current course offering with another student.  Credits, however, are non-transferable and must be used within six (6) months of the original registration and payment date.

Webinar Cancellation - The email notifications for Webinars are sent out by GoToWebinar with a statement that cancellation is allowed anytime. This is NOT the policy of the Hilda Tucker Insurance School. These emails are not generated by the school and we have no control over their content. Please see above for our cancellation policy.

Refund Policy – Tuition is not refundable. We can hold a credit for up to 6 months. IF a refund is provided, there will be a 5% non-refundable service charge collected.

No Show - Students who do not show up for class and have not made prior arrangements through the office will forfeit tuition. Those students who are late to a CE Webinar are considered No Shows, unless there is a verifiable technical issue.

Transfers - Students may make a one-time transfer to another class offering date for the same course and same class type for no charge if the transfer is made more than 48 business hours prior to the scheduled class beginning.  Any subsequent transfers will incur a $25.00 charge per transfer for CE courses and $50.00 for licensing.  Any transfer made to another class date less than 48 business hours prior to the scheduled class beginning will incur a $50.00 administrative fee.  All transfers must be made through the Administrative Office.  Transfer students agree to taking a chance that the class transferred into might not be held and realize there will be no refund of tuition in such a case.  Classes will not be held with only one student who is a transfer. Refunds for class cancellation will apply only to students who have originally registered to take the canceled class and not those who have transferred into the canceled class from another prior class.  Please note that transfers cannot go beyond a six month period.  (Unless there is not an available class within that time period, then it can go beyond six months to the next available class date.)  IF credit has not been used within this six month time period, then credit will be forfeited.

Webinar Courses - Computer or mobile device issues, such as login problems, for online classes are not the responsibility of the school.  Computer requirements listed on our website must be reviewed to make sure the computer or mobile device to be used is compatible with the LogMein GoToWebinar program and that the latest version of Java has been downloaded.  Students who fail to login for an online course will be considered No Shows and will forfeit tuition. Students who login late will be turned away and asked to reschedule 1 time at no charge. Late students may not receive credit per Florida Administrative Code Rule 69B-228.100(2)(a).

Students understand that Webinars require a signed "Affidavit". Affidavits must be emailed to info@hildatucker.com within 4 days after the webinar completion in order to receive course credit. If the Affidavit is not received within this time period, credit will not be issued, and tuition forfeited. Providers are required to submit Certification for students within a prescribed period of time per Florida Administrative Code Rule 69B-228.100(1). This requires the Affidavits to be received by the Provider prior to submission to the Department for credit.

Online Text Courses - Online Text Courses are accessible for 90-days from date of purchase. Certificates of Completion are available immediately upon course completion. The school reports credit hours to the Department of Financial Services every other business day. Please allow 3-5 business days for your records to be updated once the report has been received by the department.

Friends and Family - Any group of two (2) or more attending the same licensing course on the same dates can apply for a 10% discount.  All students in the group must be preregistered and tuition paid prior to the beginning of class.  Any transfers from the group to another class date will lose the discount.  No retroactive discounts given.

NSF Returned Checks – There is a $35 fee charged for all returned checks. Students are the responsible party for all payments regardless of who has paid the tuition, such as friends, relatives, companies, etc.

Books and Materials – The most current edition of the state manual is required for all licensing courses and the Hilda Tucker General Lines/Personal Lines Workbook is required for the General Lines courses (both 200-hour and 40-hour), Personal Lines (both 52-hour and 20-hour), and the Property-Casualty Crash Course.  The State Manuals and the Hilda Tucker General Lines/Personal Lines Exam Prep Workbook must be ordered for licensing courses before the first day of class.  Order Workbooks at the Stateprep website bookstore.  The state manual for the General Lines, Customer Representative, and Personal Lines courses may be ordered through FAIA.  The state manual for the Life, Health and Annuity course may be ordered through NAIFA.  Make sure to order books several days prior to class.  Books will be used beginning the first day of class. 
PLEASE NOTE:  Books, Workbooks, flashcards, and materials cannot be returned for a refund, even if there is a class cancellation.  The Hilda Tucker Insurance School workbooks and materials are protected by and fall within the U.S. Copyright laws. Unauthorized reproduction or distribution of copyrighted materials is a criminal offense. In addition to financial restitution to the copyright holder, those breaking copyright infringement laws, including infringement without monetary gain, face punishment of up to five years in prison and fines of $250,000. We do not allow study aids in class from sources other than the Hilda Tucker Insurance School.  Please do not bring any other source materials with you.

Receiving an Incomplete in a Licensing Course - Any student who does not meet the minimum required hours for a licensing class or fails the course must finish the hours in the next available class and will be charged the following  transfer fee $50.00 for first transfer, $75.00 for each transfer thereafter. This completion of hours or retake of tests/exams must be completed within 6 months of the original class end date.

Class Cancellation - Generally the school does not cancel a class, but if we must cancel a class any registered student will be offered the ability to either move to another class offering date or be given a refund of tuition.  All refunds must be in the same manner as the original payment.  If payment was by credit card then the refund  must be to the same credit card account as the original payment.  Even if the school refunds tuition due to class cancellation, we do not give refunds for books, flashcards, and materials.  Note:  This refund of tuition does not apply to students who were registered in another class and transferred into the class that had to be canceled.  See transfers above.

Tutoring - Private tutoring is available.  There is a two (2) hour minimum.  Tuition is not refundable.  Instructors set asside time for private tutoring based on the requests of the individual student, therefore there are no cancelations or rescheduling for these special sessions and students must be on time.  The tutoring session begins at the agreed upon time.  If the student is late they will miss time paid for that will not be made up.  No shows forfeit the tuition. 

Repeating Continuing Education Courses - Students may not receive credit for repeating a continuing education course within a 24-month period, per Florida Statutes.  The school makes every effort to constantly update courses to try and keep this from happening.  However, the school is not responsible for any student repeating a course within that 24-month period.  All students must keep track of the courses they have taken and when they were taken.  Student transcripts, containing all courses taken, can be viewed in each student's records by going to "My Profile" on the Department of Financial Services website.

Hurricanes and tropical storms – The school makes every effort not to cancel classes but with hurricanes or tropical storms we sometimes have no choice. The school office monitors the weather during these situations and makes decisions based on the bulletins and warnings put out by each local government. In the event classes must be canceled we try to reschedule them as quickly as possible once we are certain the storm has passed.

Cell phones, pagers – Cell phones and pagers must be either turned off or put on silent when entering class. Students in violation of this rule will be asked to leave class and will not be permitted to return with the cell phone or pager. These are a disruption to class.

Recording devices – No type of recording device including voice, tape, cameras, video, camera phones, etc. are permitted in the classroom.

Computers – Laptop computers are permitted in licensing classes only, not continuing education, provided they are used solely for taking notes, are not distracting to other students and not used in an inappropriate manner. If any of these policies is violated the instructor will ask the student to remove the computer from the classroom.

Weapons – Per state law weapons of any kind including guns and knives are not permitted in schools, even if you hold a concealed weapons permit. School policy also extends to off duty law enforcement officers.

Disruptive Students – Instructors have the right to dismiss students from class who are disruptive or acting in a way which might be harmful to another student and the student will forfeit tuition for the class and their right to attend future classes.

Tests and Examinations – Tests and examinations are administered during all licensing classes and anyone found cheating will be dismissed from class and receive no credit and no refund on tuition.  A final grade of 70 or above must be achieved in order to receive certification for any licensing course.

Absences/Late to class – Florida Statutes governed the hours of all insurance classes. For continuing education students must be on time per Florida Statutes or they will not be admitted to class and will forfeit tuition. For licensing classes Florida Statutes require completion of at least 75% of the course hours for certification.

The above are current policies governing the operation of the Hilda Tucker Insurance School. From time to time circumstances will require that new policies be added or current policies revised. All students should read and become familiar with these.

Privacy Policy-

At Hilda Tucker Insurance School, we value you as a customer, and we know how important it is to keep your information private. This privacy statement provides information about the personal information the Hilda Tucker Insurance School collects, and the ways in which the Hilda Tucker Insurance School uses that personal information.

Personal information collection - Hilda Tucker Insurance School may collect and use the following information:

• Name
• Address – Residence and Mailing
• Social Security Number
• Date of Birth
• Insurance License Number
• Telephone Number
• Fax Number
• E-mail address

Using personal information - Hilda Tucker Insurance School may use your personal information to:

• Personalize access to our website
• Respond to your requests
• Provide you with training courses
• To develop records necessary for reporting course completions to Florida Department of Financial Services

Where Hilda Tucker Insurance School discloses your personal information to its agents or sub-contractors for these purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of this privacy statement.

Hilda Tucker Insurance School will not sell any of the personal information collected including e-mail addresses.

In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, Hilda Tucker Insurance School may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights.

Securing your data - Hilda Tucker Insurance School will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.  School data is stored on secure servers.  Information relating to electronic transactions entered into via this website will be protected by encryption technology.Hilda Tucker Insurance School may update this privacy policy by posting a new version on its website.You should check this page occasionally to ensure you are familiar with any changes.

Other websites - This website contains links to other websites.
Hilda Tucker Insurance School is not responsible for the privacy policies or practices of any third party.

Contact Hilda Tucker Insurance School - If you have any questions about this privacy policy or Hilda Tucker Insurance School’s treatment of your personal information, please write to:

• By e-mail to info@hildatucker.com
• By US mail to Hilda Tucker Insurance School, 9401 West Colonial Drive, Suite 712 Ocoee, FL 34761