Class Policies
Class Policies for the following Course Offerings
The 20 Hour SAFE Course NMLS Approval 11835
2020 8 Hour National CE Course NMLS Approval 12092
2020 8 Hour California - DBO CE Course NMLS Approval 12107
BioSig-ID™ Student Authentication
Nationwide Mortgage Licensing System regulations require all students taking any of our courses to create a unique password using BioSig-ID. Before beginning the course you must set up your BioSig-ID.
All BioSig-ID password enrollments occur within your course. Please follow the natural progression of the course and you will be prompted to enroll your BioSig-ID password. Throughout the course you will be prompted to validate the password you enrolled.
Refund/Course Cancellation Policy
If for any reason you decide to drop the 20 Hour course, SmartMLOs.com will issue a refund (less a $25 registration fee) if cancellation occurs by midnight of the 2nd day of a particular session. Failure to complete the course beyond the 2nd day is not grounds for a refund. After the second day of the session, a serious and compelling reason is required to drop from the course and qualify under the refund policy.
Serious and compelling reasons includes: (1) documented and significant change in work hours, leaving student unable to attend class, or (2) documented and severe physical/mental illness/injury to the student or student's family. If you paid by credit card, your account will be credited within 10 days.
Attendance
Participation
Although the 20 hour course is an online course, it is not self-paced (8 hour CE courses ARE self-paced). Student participation is mandatory. Active participation in this class is required and you are expected to participate in all online activities to receive credit for the course. Reasonable deadlines and course pacing have been set, to insure that you have adequate time to complete all assignments within the current session.
Seat Time Is Monitored and Enforced
NMLS course approval guidelines require us to control the student's navigation through the course content to ensure the completion time is appropriate for the number of clock hours for which the course is approved. To that end, seat time is monitored and enforced, and you must accumulate 20 hours on the 20 hour course to receive credit and 8 hours on CE courses. To that end, you must accumulate 20, 50-minute hours on the course to receive credit (8, 50-minutes hours on CE courses). The time remaining per chapter will count down in a clock located in the left column of the course window. There may be instances when the minimum time has elapsed and the time remaining reads 0 before you complete the chapter. If this occurs, you must continue progressing through the course and pass the chapter quiz before you may proceed to the next chapter or to the final exam. The NEXT button will be gray the first time you enter each section of the course. You will not be able to click through to the next section until ninety-seconds have elapsed. After ninety-seconds the button will turn green and you will be able to move forward. The course will automatically log you off if six minutes elapse with no screen activity detected. You will not receive a time-out warning. No time that accrued in the section prior to the automatic logout will be awarded. When you log back in you will be returned to the section of the course where the inactivity was detected. The 90 second minimum timer starts over. To avoid automatic logoffs, make steady progress through the course material. Use the end session in the left column after every study session to ensure no course time is lost due to an automatic logout. There may be times when you have completed a chapter with time remaining on the clock. The minimum time requirement for each chapter must be met before you can continue. To accumulate more time, return to the first section of the chapter using the Table of Contents. Review the course sections in sequence, using the next button to move between sections, until the timer in the left column reads 0. When you have accumulated sufficient time, you will receive access to the next chapter.
Late Work Policy
Anyone who misses two daily due dates in a row without communicating with the instructor prior to the due date will be withdrawn from the course and must start over in a future session. You may work at your own pace within a particular day of your session, but each day's assignments are due by midnight of that day. All work must be completed by the end date of the session. Late assignments will be accepted for "no credit" and will require instructor approval for make-up. There will be no make-up assignments or quizzes, or late work accepted without a serious and compelling reason and instructor approval.
Final Examination and Passing the Course
Completion of the 20 hour course includes taking and passing the course final examination. When you complete the last chapter quiz you receive a link to the course final examination. The final examination must be taken before midnight of the 7th and final day of the course. You must score 70% or better to pass the final examination and receive credit for the course. You will not receive a letter grade for this course. Completion of the course will be Pass/Fail.
To complete the 8 hour CE course, you must take and pass the course final examination. You must score 70% or better to pass the final examination and receive credit for the course. You will not receive a letter grade for this course. Completion of the course will be Pass/Fail.
PRIVACY NOTICE
This privacy notice discloses the privacy practices for Smart MLOs.com. This privacy notice applies solely to information collected by this website. It notifies you of the following:
Information Collection, Use, and Sharing
Smart MLOs.com is the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We share this information with our technical provider ProU.net and will not sell or rent this information to anyone other than them.
We will use your information to respond to you regarding the reason you contacted us. We will not share your information with any other third party outside of our organization, other than as necessary to fulfill your request, e.g. to deliver an order through ProU.net.
Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:
* See what data we have about you, if any.
* Change/correct any data we have about you.
* Have us delete any data we have about you.
* Express any concern you have about our use of your data.
Security
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
We collect sensitive information through the technical provider of our education, ProU.net. When such information is collected (such as credit card data), that information is encrypted and transmitted in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the Web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing, customer service and technical support) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 612-441-0543 or via email at smartmlostudent@gmail.com.
Registration
In order to use this website, a user must first complete the registration form through ProU.net. During registration a user is required to give certain information (such as name and email address). This information is used to contact you about the products/services on our site in which you have expressed interest.
Orders
We request information from you on our order form. To buy from us, you must provide contact information (like name and shipping address) and financial information (like credit card number, expiration date). This information is used for billing purposes and to fill your orders. If we have trouble processing an order, we'll use this information to contact you.
Cookies
We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.
Sharing
We use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes beyond filling your order.
We partner with ProU.net to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for ProU.net to provide these services. ProU.net is prohibited from using personally identifiable information except for the purpose of providing these services.
Links
This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Course Evaluation Survey
Upon course completion our site requests information via a course evaluation survey. Participation in this survey is completely voluntary. Survey information will be used for purposes of monitoring and/or improving the use and satisfaction of this site and our online courses.