Welcome to MLO PROTRAINING. These Terms of Use (“Terms”) govern your access to and use of https://mloprotraining.com (the “Site”) and all services, courses, and materials offered by Claranh Inc. dba MLO PROTRAINING (“we,” “us,” or “our”). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

MLO PROTRAINING maintains this Site for the use of its customers, students, vendors, and other approved users. By using this Site, you acknowledge and agree to be legally bound by these Terms of Use. This agreement forms a binding relationship between you and MLO PROTRAINING. If you disagree with these terms, you must discontinue use of the Site immediately.

2. Copyright & Intellectual Property

All content on this Site—including videos, documents, course materials, graphics, images, logos, and trademarks—is the exclusive and copyrighted property of Claranh Inc. dba MLO PROTRAINING.

You may not copy, reproduce, resell, share, modify, republish, or distribute any portion of the content without prior written authorization.

Materials are for individual educational use only. You may not summarize, excerpt, or disclose content to third parties under any condition.

Unauthorized use of these materials may result in immediate termination of your access and legal action.

3. Restrictions on Use

All training content is restricted to licensed NMLS loan originators and is for internal educational purposes only.

Redistribution or public circulation of materials, including recordings or printed documents, without prior written permission is strictly prohibited.

4. User Warranty

By accessing the Site, you warrant that:

You are not affiliated with or acting on behalf of a competing training organization or education provider.

You are using the Site for legitimate, authorized purposes only.

5. Purchases, Payments & Access

Enrollment and access to any training program is granted only upon successful registration and payment.

Pricing for courses, payment plans, and options is published on the Site and is subject to change.

For installment payments, you authorize automatic billing of future payments according to the agreed schedule. Failure to complete payments may result in suspension of access.

6. Refund & Cancellation Policy

All course purchases are subject to our official [Refund Policy], which outlines cancellation terms, rescheduling procedures, and refund eligibility. Please review this policy prior to purchase, as registering for a course confirms your agreement to its terms.

8. Hyperlinks to Third-Party Sites

Links to third-party or external websites are provided for convenience only. MLO PROTRAINING assumes no responsibility for the content, practices, or privacy policies of those sites. Your access of such links is at your own risk.

9. Limitation of Liability

Under no circumstances will MLO PROTRAINING, its directors, employees, affiliates, or suppliers be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of this Site, including but not limited to:

• Service interruptions
• Computer viruses or malicious software
• Data loss or technical failures
• User reliance on third-party content
• Offensive or illegal third-party behavior

9. Applicable Law

This Agreement is governed by and construed in accordance with the laws of the United States and the State of California, without regard to conflict of laws principles. MLO PROTRAINING reserves the right to assign its rights and responsibilities under these Terms without prior notice to any party.

10. Payment Processing

If you make a purchase through our Site, payment will be processed via a third-party payment processor.

Transactions are encrypted through the Payment Card Industry Data Security Standard (PCI-DSS).

Your purchase transaction data is stored only for the duration necessary to complete the transaction.

All direct payment gateways comply with PCI-DSS standards managed by the PCI Security Standards Council (a collaboration of Visa, MasterCard, American Express, and Discover).

11. Terms Modifications

We reserve the right to update or modify these Terms and our Privacy Policy at any time without prior notice. Changes will be effective immediately upon posting to the Site.

It is your responsibility to review these Terms regularly.

If material changes are made, we will post a clear notice on this page.

If the Site or company is acquired or merged with another entity, your data may be transferred to ensure continued service.

12. Indemnification

You agree to indemnify and hold harmless MLO PROTRAINING, its affiliates, officers, employees, and agents from any claims, damages, liabilities, and expenses (including legal fees) resulting from your breach of these Terms or misuse of the Site.

13. Termination

We reserve the right to suspend or terminate your access to any part of the Site or training programs at our sole discretion, with or without notice, if you breach these Terms.

14. Privacy Policy

Your use of the Site is also governed by our [Privacy Policy], which explains how we collect, store, and use personal data.

15. Contact Information

If you have any questions regarding these Terms of Use, please contact:

MLO PROTRAINING

Email: support@mloprotraining.com

Website: https://mloprotraining.com

Mailing Address: 22792 Centre Drive, Ste 115, Lake Forest, CA 92630

By using this Site, you acknowledge that you have read, understood, and agreed to these Terms of Use.