MLO PROTRAINING (operated by Claranh Inc.) (“we,” “us,” or “our”) values your privacy and is committed to safeguarding your personal information. This Privacy Policy explains how we collect, use, store, and disclose information when you interact with our website, https://mloprotraining.com/ (“Site”), enroll in our courses, or use our services. By using our Site and services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect both personal and non-personal information to deliver our services effectively:

1.1 Personal Information You Provide

• During Enrollment: Name, email address, phone number, billing address, and payment details.
• During Course Participation: Any data voluntarily submitted during coursework, surveys, or mentorship.
• Sponsorship & Licensing: Information necessary for sponsorship processing through our affiliate, MLO Financial Group.

1.2 Automatically Collected Information

• IP address, browser type, device identifiers.
• Website usage data (pages viewed, links clicked, time spent).
• Cookies and tracking technologies for analytics and marketing.

2. How We Use Your Information

Your information is collected to:

• Process course enrollment, provide access to training materials, and deliver services.
• Communicate updates, confirmations, and important notifications regarding your training.
• Provide marketing and promotional communications (with your consent).
• Enhance user experience, improve website functionality, and customize content.
• Comply with legal obligations and enforce our policies.

3. How We Obtain Your Consent

When you provide personal information to complete a transaction, enroll in a course, or interact with our services, you give implied consent for us to collect and use it for that specific purpose.

For secondary uses, such as marketing, we will either:

• Request your explicit consent, or
• Provide an opt-out option.

4. Withdrawing Consent

You may withdraw consent at any time by contacting us at:

info@mloprotraining.com

MLO PROTRAINING – Claranh Inc.

22792 Centre Dr., Suite 115, Lake Forest, CA 92630

5. Disclosure of Information

We may disclose your information only in the following situations:

• Legal Obligations: When required by law, subpoena, or governmental request.
• Policy Violations: If you breach our Terms of Use.
• Service Providers: To third-party vendors who perform services (e.g., payment processing, website hosting), under strict confidentiality agreements.
• Business Transfers: If our company is merged or acquired, your data may be transferred to the new entity.
• We do not sell or rent your personal data to any third party.

6. Payment Processing

Our payment system is handled through secure third-party processors (e.g., Square) compliant with Payment Card Industry Data Security Standards (PCI-DSS).

• Your payment information is encrypted during transmission using Secure Socket Layer (SSL) technology.
• Payment data is retained only as long as necessary to complete the transaction.
• All direct payment gateways follow PCI-DSS standards to ensure secure handling of credit card information.

7. Third-Party Services

We may use third-party service providers to support our business operations, including:

Payment gateways, marketing platforms, analytics tools, and sponsorship affiliates.

Important Notes:

• These providers collect, use, and disclose your information only to the extent necessary to perform services.
• Some providers may be located in jurisdictions outside of your location, subjecting your information to foreign privacy laws (e.g., U.S. Patriot Act).
• Once you leave our website or interact with a third-party service, you are governed by their privacy policy.

8. Cookies & Tracking Technologies

Our Site uses cookies, web beacons, and tracking pixels to:

• Recognize returning visitors and customize their experience.
• Track analytics and user interactions for performance improvements.
• Serve targeted advertising via third-party vendors (Google, Facebook, etc.).

Your Choices:

• You can disable cookies in your browser, but some features may not function properly.
• To opt out of targeted ads, visit the Digital Advertising Alliance’s Opt-Out Page.

9. Security Measures

We take strong precautions to protect your data:

• Encryption (SSL, AES-256) for sensitive information.
• Access controls limiting internal data handling.
• Monitoring and auditing for unauthorized access.
• However, no system is 100% secure. By using our services, you acknowledge and accept these inherent risks.

10. Data Retention

We retain your personal information only as long as needed to provide services, comply with legal requirements, resolve disputes, and enforce agreements. When no longer required, data is securely deleted.

11. Age of Consent

By using our site, you represent that you are at least the age of majority in your jurisdiction. We do not knowingly collect personal data from minors.

12. CAPCE Privacy Statement (If Applicable)

As required by CAPCE accreditation, we may submit course completion records to CAPCE AMS. These records may be accessed by authorized state EMS officers, training officers, and NREMT under secure, password-protected systems.

13. Sponsorship & Affiliate Information

When you enroll in courses involving MLO Financial Group sponsorship, we collect and share necessary information to:

• Provide you with a custom website for your business.
• Activate your Calyx Loan Processing Software.
• Maintain your active license status for immediate practice.
• Offer unlimited mentoring to support your professional growth.
• Your data will be handled under the same confidentiality and security standards outlined here.

14. International Data Transfers

If you access our services outside the United States, your information may be transferred to and processed in the United States or other countries. By using our services, you consent to this transfer.

15. Your Privacy Rights

You have the right to:

• Access and review your personal data.
• Request corrections or deletions of inaccurate information.
• Withdraw consent for marketing communications at any time.
• Request a copy of the personal information we hold about you.
• To exercise your rights, contact us at courses@mloprotraining.com.

15. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time.

Changes take effect immediately upon posting on our website.

If material changes are made, we will notify you via email or on our homepage.

16. Questions & Contact Information

For questions, complaints, or requests regarding this Privacy Policy, please contact:

support@mloprotraining.com

MLO PROTRAINING – Claranh Inc.

22792 Centre Dr., Suite 115, Lake Forest, CA 92630