Last Updated: January 2026
By accessing or using the Neil Schwabe Insurance Academy ("NSIA") mobile application and web platform (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.
NSIA provides an insurance education platform offering courses, study materials, and training resources for insurance professionals, brokers, and agents. The Service is available through our mobile applications (iOS and Android) and our web platform.
The Service is intended for insurance professionals and individuals aged 18 or older. By using the Service, you represent that you meet these eligibility requirements.
Some features of the Service may require you to access content through our web platform. You are responsible for maintaining the confidentiality of any credentials used to access the Service and for all activities that occur under your account.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
All content provided through the Service, including but not limited to courses, study materials, text, graphics, logos, and software, is the property of Neil Schwabe Insurance Academy or its content providers and is protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works from any content without prior written consent.
The educational content provided through the Service is intended for informational and educational purposes only. While we strive to ensure accuracy, NSIA does not guarantee that all content is complete, current, or error-free. Course content should not be considered a substitute for professional advice, official licensing requirements, or regulatory guidance.
When using our mobile application, you acknowledge that:
We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.
The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure.
To the fullest extent permitted by applicable law, Neil Schwabe Insurance Academy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, or other intangible losses resulting from your use of or inability to use the Service.
You agree to indemnify, defend, and hold harmless Neil Schwabe Insurance Academy, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Service or violation of these Terms.
Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your information.
The Service may contain links to or content from third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party websites or services.
These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.
We reserve the right to update or modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the Service after any changes constitutes acceptance of the new Terms.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.
If you have questions about these Terms of Service, please contact us at:
Email: support@turbion.ai
Website: https://academy.neilschwabe.com