Terms & Conditions
ENROLLMENT
Enrollments are accepted via our school websites at www.RELOEducation.com. Admission is open to any person meeting the below qualifications. No qualified person may be excluded from enrollment on the basis of race, color, religion, gender, gender identity and/or expression, national origin, disability, marital status, sexual orientation, or military status.
APPLICANTS MUST MEET THE FOLLOWING REQUIREMENTS
Be at least 18 years of age.
Submit any required forms (Enrollment Agreements, etc.) as required by state postsecondary regulations.
Have access to internet compatible devices.
Possess base-level computer skills including: ability to read text on screens, click through course material, and take exams online.
Pay appropriate fees.
Certain states require a signed Enrollment Agreement and other disclosures to complete registration.
FINANCIAL AID
Financial aid is not available for any courses.
PAYMENT PLAN
Short-term payment plans are NOT currently offered by RE|LO Education for any of our products.
TECHNICAL SYSTEM REQUIREMENTS
RE|LO Education courses are delivered through a secure and proprietary Learning Management System (LMS), LinQ. An internet connection is required (high speed is recommended, but not required).
REFUND POLICY
BrewsAZ, LLC – RE|LO Education is committed to student satisfaction. If you are unsatisfied for any reason, we will refund the purchase price of any Real Estate or NMLS course if the refund request is submitted within thirty (30) days of purchase, prior to course expiration, and the course is not more than fifty percent (50%) complete.
BrewsAZ, LLC – RE|LO Education does not offer price adjustments on previously purchased items.
If your course has fully expired, you may repurchase the course at fifty percent (50%) off of the current retail price one (1) time. This option is only available for thirty (30) days after the full expiration date of the course. If your course expires a second time, you will have to repurchase the course at full price.
To Cancel/Refund a class, please submit your request to Support@RELOEducation.com.
REPURCHASE POLICY
If your course has fully expired, you may repurchase the course at fifty percent (50%) off of the current retail price one (1) time. This option is only available for thirty (30) days after the full expiration date of the course. If your course expires a second time, you will have to repurchase the course at full price.
COURSE APPROVAL
In the event of an extension or re-enrollment, it is the responsibility of the student to verify with a school representative that the course approval is still active.
PROMOTIONAL CODES
Promotional codes must be applied at checkout. No refund for an unused promotional code will be given after checkout has been completed. To obtain your promotional code discount, you must enter the promotional code in the box under your total at checkout and click the "Apply Discount" button. The discount amount will then be subtracted from the total amount due.
Promotional codes cannot be combined and are not eligible for use in conjunction with extensions or additional certificates of completion
SALES TAX
Due to the tax law which mandates that online businesses must collect sales tax in certain states, if your state requires sales tax to be collected, it will automatically be added to the total amount due at checkout. For questions, please contact RE|LO Education.
PROGRESS, COMPLETION, AND ATTENDANCE REQUIREMENTS
Students must complete 100% of the learning material presented in a course and demonstrate understanding of the material by passing all quizzes and the final exam (where required by the regulatory entity) to receive credit hours for the course. Students who do not complete 100% of the material will not be issued a certificate of completion and will not receive credit hours for the course.
For courses that require monitored seat time, LinQ, our online course delivery system manages this requirement.
STUDENT IDENTITY VERIFICATION
In addition to utilizing a unique username and password to access student profiles and course materials, each student is required to complete a digital signature at the end of the course attesting to his/her identity. Student accounts cannot be shared. There may be additional student identity verification requirements based on state rules.
EXAMINATIONS
The following terms apply to exams, unless otherwise stated in these Terms and Conditions:
Unit exams are presented at the conclusion of each unit, with a varying number of questions depending on the amount of content contained in each unit. Unit exams can be retaken as many times as necessary.
Students will not be able to proceed to subsequent units in the course until the unit exam in each unit is successfully completed and passed.
Final exams are presented at the conclusion of each course, with a varying number of questions depending on the amount of content contained in the course. Students may take the examination as many times as necessary to achieve a passing score and demonstrate understanding of the material, unless the jurisdiction or education type specifies otherwise. Please refer to the state-specific catalog page(s) for information on the number of final exam attempts, passing percentage required, and proctoring requirements.
If a jurisdiction requires the final course exam to be proctored, the student will be required to use RE|LO Education’s third-party proctoring solution at the student's cost, where applicable.
Some states may require the final course exam to be proctored in person.
To maintain academic integrity and uphold examination standards, your final exam session may be recorded using video, audio, and/or screen recording technologies. These recordings will be used solely for proctoring purposes and to investigate any potential incidents of academic misconduct. The student understands that participation in the exam constitutes consent to be recorded.
DIGITAL SIGNATURE COMPLETION REQUIREMENTS
Once all required coursework has been completed, students must certify that they were the student/licensee who completed the coursework. This is accomplished at the end of each course, within our LMS - LinQ. A course and instructor evaluation is also presented at this time to the student. Once certification has taken place, the student’s certificate of completion is sent to the student via an automated email and is also stored in the student's online account for a minimum of five (5) years unless otherwise stated. Any exceptions to these rules will be provided to the student in the requirement details via the webpage, email instructions, and/or course orientation and completion slides.
COURSE REPORTING
If your course completion is required to be reported to a regulatory agency, please allow a minimum of three (3) business days for the school to report your course completion.
COURSE DELIVERY METHODS
Courses may be delivered via multiple delivery methods. Asynchronous delivery allows students to learn at their own pace and access the course 24/7/365. Synchronous (live online) delivery requires that students are in attendance at a specific place at a specific time (can be online). Flexible Learning is learning that is delivered by paralleling live online course content with our self-paced training course. This delivery method allows students to choose to complete the content via live online or self-paced delivery or a combination of both.
RECORDS
Student files are retained for the minimum time required by state regulations. Online student files are maintained online in our cloud-based servers.
Student records may be requested in writing by the student at any time. Student records are confidential. No records will be made available to prospective employers, family members, or other schools unless a written request has been made by the student.
If the student enrolls through an employer or affiliate partner of the school, the student agrees to allow the school to share course progress and completion details with the employer or affiliate partner.
JOB PLACEMENT
RE|LO Education does not offer job placement services. RE|LO Education makes no representations except as expressly set forth in this catalog, and under no circumstances does RE|LO Education make any claim, promise, or guarantee of employment.
REASONABLE ACCOMMODATION POLICY
RE|LO Education provides reasonable accommodations for disabilities. A student must provide ten to fourteen (10-14) business days' notice in order for their accommodation to be properly processed.
CRIMINAL HISTORY
A criminal history may make you ineligible for the license you are seeking. For questions or information, please contact the licensing agency in the state for which you are interested in becoming licensed.
DISCRIMINATION AND CONDUCT POLICY
RE|LO Education does not discriminate on the basis of race, color, religion, gender, gender identity and/or expression, national origin, disability, marital status, sexual orientation, or military status in the establishment of fees, entrance qualifications, or standards for successful completion of any course.
It is expected that students will conduct themselves in a professional manner and demonstrate respect for their instructors and fellow classmates. The school reserves the right to terminate a student on any of the grounds listed below. Termination notice will be in writing citing the reasons for termination. Tuition will be refunded according to the applicable refund policy.
Possible reasons for termination can include but are not limited to:
Failure to comply with school rules, policies, and regulations
Unprofessional conduct
Unsatisfactory academic progress
Excessive absence or lateness
Failure to pay fees when due
Cheating or falsifying records
Breach of enrollment agreement
Sexual harassment
Harassment of any kind including intimidation and discrimination
SEXUAL HARASSMENT AND HAZING POLICY
RE|LO Education takes the issue of sexual harassment very seriously. Sexual harassment includes unwelcome sexual advances or offensive comments, gestures, or physical contact of a sexual nature between and/or among students and staff. Sexual harassment or harassment because of age, race, color, religion, national origin, sexual orientation, or disability, will not be tolerated. This includes any kind of intimidation or discrimination. Investigation into such concerns will be undertaken promptly and handled confidentially. Behavior that denigrates the integrity of another student (hazing) will not be tolerated. If a student or employee feels that he or she has suffered a form of discrimination or harassment, the individual should immediately contact a school director. Students or staff involved may be subject to dismissal or termination.
GRIEVANCE POLICY
Students who have a grievance with the school are encouraged to resolve the matter with their instructor. If still unsatisfied, the grievance may be addressed to any of RE|LO Education’s Mangement by calling 480.399.1218. A student may be dismissed for any violation of the school rules, policies, and/or regulations as set forth herein. RE|LO Education Management after reviewing all facts, makes the final decision.
DISMISSAL
Violation of any of RE|LO Education’s policies may result in permanent dismissal from the school.
LICENSE INFORMATION
It is the responsibility of the student to provide RE|LO Education with the student's correct and complete license number and any and all required information (legal name, date of birth, etc.) on record with the entity that issues the student's license. RE|LO Education will not be responsible or liable for any disciplinary action by any regulatory entity including, but not limited to, a course not being reported on time or late/reinstatement fees or changes in license status to the licensee as a result of incorrect license information provided by the student.
COPYRIGHT POLICY
All rights are reserved. All course materials offered by RE|LO Education are copyrighted by either RE|LO Education or its licensed content providers. No part of RE|LO Education’s course content may be reproduced, retransmitted, distributed, sold, published, broadcasted, or circulated, including to individuals in the same company or organization, without the express written consent of RE|LO Education. Course content received electronically via the internet may (when permitted) be displayed or printed for your personal, non-commercial use only. Purchase of a course includes a license for one person to use the course materials through course expiration, unless otherwise stated. Completed course access is available for a minimum of six (6) months. It is not permissible to distribute files containing course materials or printed versions of course materials to individuals who have not purchased the course(s) without the express written consent from RE|LO Education. It is also not permissible to make the course materials available to others over a computer network, intranet, internet, or any other storage, transmittal, or retrieval system without the express written consent of RE|LO Education.
LEGAL WAIVER
RE|LO Education, its authors, publishers, instructors, and employees are not in any way offering legal, accounting, tax, or any other professional or legal advice. No information communicated by any of the above or contained in any course(s) created by RE|LO Education, shall be construed as such. If professional or legal advice is required, you should seek the services of a competent advisor. Further, while RE|LO Education provides packages and courses designed to meet your needs, IT IS SOLELY YOUR RESPONSIBILITY to ensure you have ordered and completed the correct number and type (mandatory/elective) of hours required to obtain or renew your license by your deadline. By purchasing from RE|LO Education, you hereby agree to hold harmless and release RE|LO Education, and its directors, officers, agents, instructors, and employees from any and all liability and/or loss or damage based on, or in any way related to, RE|LO Education’s course content or RE|LO Education’s providing of the course content.
VIRUSES
It is your responsibility to scan any and all downloaded materials received from the Internet. RE|LO Education shall not be responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to RE|LO Education website. You, and not RE|LO Education, assume the entire cost of all necessary servicing, repairs, or correction related to computer viruses.
SECURITY
RE|LO Education takes standard precautions to ensure that its systems are secure and that they meet industry standards, including the application of firewalls for its internet-based systems. When appropriate, RE|LO Education employs the use of encryption technologies, user authentication systems (e.g., passwords and personal identification numbers) and access control mechanisms. RE|LO Education does not guarantee that your information is safe from an attack on its systems. By purchasing from RE|LO Education, you hereby agree to hold harmless and release RE|LO Education, and its directors, officers, agents, instructors and employees from any and all liability or loss or damage based on or in any way related to the above in any form or fashion.
LIMITATION OF DAMAGES
UNDER NO CIRCUMSTANCES SHALL RE|LO Education BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIALS AND/OR COURSES ON RE|LO Education WEBSITE, EVEN IF RE|LO Education OR AN AUTHORIZED AGENT OR BROKER, CONTRACTOR, OR OTHER REPRESENTATIVE/EMPLOYEE OF RE|LO Education HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. If applicable law does not permit the exclusion or limitation of liability or certain categories of damages, the above limitation or exclusion may not apply to you and the applicable law shall govern. In no event, however, shall RE|LO Education's total liability to you for all damages, losses, or causes of action exceed the amount paid by you to RE|LO Education in the last twelve (12)-month period. No claim may be brought more than one (1) year after accrual of such claim.
OTHER TERMS & CONDITIONS
You agree that RE|LO Education has the right to terminate your account at any time if RE|LO Education has reason to believe that your account is being fraudulently accessed for unauthorized reasons. If you have questions concerning any of RE|LO Education's Terms and Conditions, please feel free to contact RE|LO Education by calling RE|LO Education at 480.399.1218.
MARKETING
By using the Website in any fashion, unless you opt out, you agree that RE|LO Education may market to you. Accordingly, should you not want to be marketed to, please opt out of any marketing campaign sent to you.
DISCLOSURES
RE|LO Education makes no representations except as expressly set forth in this policy, and under no circumstances does RE|LO Education make any claim, promise, or guarantee for employment or state licensure.
RE|LO Education reserves the right to change courses, start dates, tuition, and to cancel courses. Any changes will be made in accordance with state rules and regulations. The information contained in this policy is true and correct to the best of RE|LO Education’s knowledge.
ACKNOWLEDGEMENT
I agree to these terms and conditions including, but not limited to the terms of any applicable enrollment agreement, refund policy, privacy policy, waiver, release, or any other school policy. By beginning a course, I acknowledge that I am agreeing to RE|LO Education terms and conditions and all other school policies.
RE|LO Education - Terms & Conditions - Real Estate
Course Expiration
CONTINUING EDUCATION AND POST-LICENSING EDUCATION
Continuing Education and Post-Licensing course(s) must be completed within twelve (12) months from the time of purchase. If the course is not completed within that twelve (12)-month period or other period for North Carolina, Oklahoma, Washington, D.C., and Iowa, the student will be required to purchase a new course at fifty percent (50%) of the current retail price of the new course and fully complete the new course, including passing the final exam, if the student wants credit for the new course. This repurchase offer is only valid for thirty (30) days.
PRE-LICENSING EDUCATION
Pre-Licensing courses expire either six (6) months or twelve (12) months from the original date of purchase. Please refer to the state-specific catalog page for course information. For those courses that expire 6 (six) months after the date of purchase, the student will be granted an automatic one (1) month extension at no charge and such one (1) month free extension will be applied immediately after the initial six (6) month term. For any reactivation or extension of the course after the seventh (7th) month, RE|LO Education will charge the student twenty percent (20%) of the current retail price of the course for each thirty (30)-day extension or partial thirty (30)-day extension in the event that the course expires prior to the end of the final thirty (30)-day extension. Extensions or reactivations cannot be granted beyond twelve (12) months from the original date of purchase of the course since in all events, the course expires twelve (12) months from the original date of purchase.
If the course is not completed within twelve (12) months from the original date of purchase or other period as modified below, the student will be required to purchase a new course at fifty percent (50%) of the current retail price of the new course and fully complete the new course, including passing the final exam, if the student wishes to be granted credit for the new course. This repurchase offer is only valid for thirty (30) days.
COMPLETION REQUIREMENTS
Students must spend all required seat time engaged in the course material to receive credit for the course. In those states that require monitored seat time, our online course delivery system manages this requirement for you.
In addition to the above, the below provided states have specific completion requirements:
ALASKA real estate licensees are only allowed to complete a total of ten (10) CE course hours in a twenty-four (24)-hour period.
ARIZONA real estate licensees are not allowed to complete more than nine (9) CE course hours in a twenty-four (24)-hour period and no more than ten (10) Pre-Licensing course hours in a twenty-four (24)-hour period.
CALIFORNIA real estate licensees are limited to completion of final examinations for a maximum of fifteen (15) credit hours during any one twenty-four (24)-hour period. A maximum of eight (8) hours reading/study time per day shall be used in calculating the number of days that must lapse from the time the participant has had access to the course material until the examination can be accessed (e.g., if eight (8) credit hours have already been started and the final exam completed in a twenty-four (24)-hour period, the final exam for an additional course will not be available until the next twenty-four (24)-hour period). Students must spend the requisite number of hours navigating through the content and completing the incremental assessments prior to being granted access to the final examination (e.g., for a three (3)-credit course, a minimum of three (3) hours must elapse and all unit quizzes must be complete before the final exam can be accessed). A student may enroll in any number of courses with the following guidelines: Schools may not offer a single correspondence course that is to be completed in less than two and a half (2.5 ) weeks. This rule applies regardless of the number of schools the student is taking courses from. No more than two (2) courses may be completed in a five (5) week period. For example: Completion time for courses would be as follows:
One (1) course = two and a half (2.5) weeks
Two (2) courses = five (5) weeks
Four (4) courses = ten (10) weeks
Six (6) courses = fifteen (15) weeks
Eight (8) courses = twenty (20) weeks
COLORADO real estate licensees are only allowed to complete a total of eight (8) CE course hours in a twenty-four (24)-hour period.
NORTH DAKOTA and UTAH real estate licensees are only allowed to complete a total of eight (8) course hours in a twenty-four (24)-hour period.
ILLINOIS real estate licensees are allowed to complete no more than twelve (12) hours of CE credit may be taken or earned in one calendar day.
KENTUCKY Pre-Licensing real estate licensees are only allowed to complete a total of nine (9) course hours (classroom, distance or internet) in a twenty-four (24)-hour period.
MINNESOTA real estate licensees are only allowed to complete a total of eight (8) CE course hours (classroom, distance or internet) in a twenty-four (24)-hour period.
TEXAS students must participate in each course for the number of hours of credit awarded and daily course segments of qualifying courses cannot exceed twelve (12) hours. Daily course segments of elective CE courses cannot exceed ten (10) hours. A thirty (30)-hour qualifying course cannot be started and completed in less than three (3) days and starting and completing more than one qualifying course within the same three (3) days is also not permitted.
ATTENDANCE AND PROGRESS POLICY
Students must spend a minimum of fifty (50) minutes (sixty (60) minutes in Georgia, Hawaii, Maine, Massachusetts, Minnesota, Ohio, and Oregon; and fifty-five (55) minutes in New Hampshire) per hour of approved credit in the learning management system. Example: For a three (3)-credit hour course, a student must be actively engaged in the course for one hundred fifty (150) minutes (3 x 50 minutes).
Arizona-Specific Terms and Conditions
The Arizona Department of Real Estate requires biometric authentication for the ninety (90)-hour Pre-Licensing and six (6)-hour Contract Writing course. Students will be required to enroll and authenticate their identity through an outside vendor every time they logged-in, one time during each logged in session, and prior to taking the final school exam for the course. Instructions on how to set this up are located within the course.
In the event that the terms and conditions of the Enrollment Agreement differ from RE|LO Education General Terms and Conditions provided above, the Terms and Conditions of the Enrollment Agreement shall prevail.
RE|LO Education Team - Terms & Conditions - Mortgage
COURSE EXPIRATION POLICY
PRE-LICENSING EDUCATION
National Pre-Licensing courses have a specified start and end date and are instructor-led. Students must select their course start date within ninety (90) days of purchase. Once the start date has been selected students will have that day plus an additional twelve (12) full calendar days to complete their course.
CONTINUING EDUCATION
All CE courses will expire annually on December 31st. Some states require that CE is completed prior to December 31st. – please refer to the list below.
Georgia – CE completion deadline is October 31st. (any CE completed after this date could incur a late fee)
West Virginia and District of Columbia – CE completion deadline is November 1st
Kentucky and South Carolina DCA – CE completion deadline is November 30th
Idaho, Iowa, Kansas, Puerto Rico, and Vermont – CE completion deadline is December 1st
Utah DRE and Washington – CE completion deadline is December 15th
SEAT TIME
Seat time will be enforced.
EXAMINATIONS
For MLO courses: Final exams are presented at the conclusion of each course, with a varying number of questions depending on the amount of content contained in the course. Students may retake the examination up to three (3) times if needed (four (4) total attempts). The minimum passing score is seventy percent (70%).
LIVE WEBINARS
For live webinars, students must have a stable internet connection and a device that can access all features of a webinar platform to allow them to fully engage with the instructor and class (camera/microphone). Acceptable devices are desktop computers, laptops, and tablets (must have all the same compatibilities as a desktop and/or laptop (camera, keyboard, etc.) Cell phones are not an acceptable device.
STUDENT RULES OF CONDUCT
Rules of Conduct for NMLS Approved Pre-Licensure (PE) and Continuing Education (CE) Courses
Updated March 20, 2024
The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE ACT) requires that state-licensed MLO’s complete pre-licensing (PE) and continuing education (CE) courses as a condition to be licensed. The SAFE Act also requires that all education completed as a condition for state licensure be NMLS approved. Since 2009 NMLS has established course design, approval, and delivery standards which NMLS approved course providers are required to meet. To further ensure students meet the education requirements of the SAFE Act, NMLS has established Rules of Conduct (ROC). The ROC, which have been approved by the NMLS Mortgage Testing & Education Board, and the NMLS Policy Committee, both of which are comprised of state regulators, are intended to stress that NMLS approved education be delivered and completed with integrity.
Rules of Conduct
NMLS approved course providers are not authorized by NMLS to grant exceptions to these rules and that I alone am responsible for my conduct under these rules. I also understand these rules are in addition to whatever applicable rules the course provider may have set.
Additionally, I understand that the course provider or others may report any alleged violations to NMLS. NMLS may conduct an investigation into alleged violations and may report alleged violations to the state(s) in which I am seeking licensure or maintain licenses, or to other states.
As an individual completing PE or CE I attest the course format I am being credit banked for has been entirely completed by myself alone and have met required below:
Classroom (live)
Completed sign-in by providing my signature prior to the start of the course
Provided government issued ID at time of sign-in of the course to verify identity
Engaged with other students and instructor(s)
Returned from breaks and lunches on time as required
Participated and was engaged throughout the entire course
Properly completed the entire seat-time the SAFE Act required for the approved NMLS course in order to receive an end-of-course completion certificate
Classroom Equivalent (webinar)
Provided at the time of entering the webinar platform:
Government issued ID
Knowledge-Based Authentication
Returned from breaks and lunches on time as required ROC for NMLS Approved PE and CE Courses V4. Updated 03/20/2024.
Properly completed the entire seat-time the SAFE Act required for the approved NMLS course in order to receive an end-of-course completion certificate by the following means:
Provided adequate camera access to ensure visibility for the entire duration of the course by enabling the proctor to ensure I was visible from the shoulders up
Understand that if I fail to maintain camera presence for a period of greater than 10 minutes I will be removed from the class and not receive credit
Engaged and completed all course quizzes and case studies
Engaged and completed all polls • Understand at various times during the CEQ/webinar course, I will be required to authenticate my identity and engagement.
Engaged with other students and facilitators/instructor(s)
Online Instructor-Led (online with instructor)
Provided at the time of entering the Learning Management System (LMS):
Personal identification requirements set forth by the provider
Have not and will not divulge my login ID or password or login credentials to another individual for any online course
Used my own personal login information to complete the NMLS approved online course
Properly completed the entire seat-time the SAFE Act required for the approved NMLS course in order to receive an end-of-course completion certificate by the following means:
Engaged and completed all course quizzes and case studies
Engaged with other students and facilitators/instructor(s)
Online Self-Study (online without instructor)
Provided at the time of entering the Learning Management System (LMS):
Personal identification requirements set forth by the provider
Used and authenticated my own personal login for BioSig to enter and complete the NMLS approved online course
Have not and will not divulge my login ID or password or login credentials to another individual for any online course
Understand at various times during the online course, I will be required to authenticate my identity through a biometric system.
Properly completed the entire seat-time the SAFE Act required for the approved NMLS course in order to receive an end-of-course completion certificate by the following means:
Engaged with all the course content and completed all course quizzes and case studies
Additionally, I
Attest that I am the person who I say I am and that all my course registration information is accurate.
Acknowledge that I am required to show a current government issued form of identification prior to class entry and that the name on the identification matches the name as it appears on this course registration.
Understand that the SAFE Act and state laws require me to spend a specific amount of time in specific subject areas. Accordingly, I will not attempt to circumvent the requirements of any NMLS approved course. I will not use or attempt to use any artificial intelligence and/or large language model chatbots and/or other assistance to complete any NMLS approved course.
Will not give or attempt to give assistance to any other person who is registered to take an NMLS approved pre-licensure or continuing education course.
Understand that the course provider has the right to dismiss anyone from class that creates a disturbance or interferes with the administration of the course or other students' learning, including, but not limited to cell phone/smart watch usage.
Acknowledge that any outside activities are prohibited while attending class and grounds for immediate removal from class.
Will not engage in any conduct that would be contrary to good character or reputation or engage in any behavior that would cause the public to believe that I would not operate in the mortgage loan business lawfully, honestly or fairly.
Will not engage in any conduct that is dishonest, fraudulent, or would adversely impact the integrity of the course(s) I am completing or the conditions for which I am seeking licensure or renewal of licensure.
Understand and acknowledge my responsibility to report any violations or misconduct involving any of the above ROC to the (MTEB).
Understand the CSBS Privacy Notice is applicable to these Rules of Conduct. The CSBS Privacy Notice can be found here: https://www.csbs.org/privacy-policy

